Terms of Service

Agreement to Terms

By accessing or using the STL Auto Hub website ("Site"), you agree to be bound by these Terms of Service. If you do not agree with these terms, please do not use our Site.

Services

This Site provides information about our vehicle inventory, financing options, and dealership services. We may also provide:

• Vehicle listings and pricing information
• Online inquiry and contact forms
• Test drive scheduling
• Financing pre-approval applications
• AI-powered chat assistance
• Customer portal access

Vehicle Information

We make every effort to ensure the accuracy of vehicle information displayed on our Site. However:

• Pricing, availability, and specifications are subject to change without notice
• Photos may not represent the exact vehicle and are for illustration purposes
• All vehicles are sold "as is" unless otherwise stated in a written agreement
• Final terms are subject to in-person verification and written purchase agreements

AI Chatbot Disclaimer

Our website may feature AI-powered chatbot assistance. Please note:

• AI-generated responses are for informational purposes only
• Responses may contain inaccuracies and should be verified with dealership staff
• The chatbot cannot make binding commitments on behalf of the dealership
• Pricing, availability, and terms quoted by the chatbot are not guaranteed

Financing Information

Financing information provided on this Site:

• Is for illustrative purposes and subject to credit approval
• Does not constitute a binding offer or commitment to lend
• Actual terms depend on your credit qualifications and lender approval
• All financial decisions are made by third-party lenders, not by this dealership

STL Auto Hub is not a lender and does not make credit decisions. All financing and Buy Here Pay Here (BHPH) terms are the responsibility of the dealership and its lending partners.

User Conduct

When using our Site, you agree not to:

• Provide false or misleading information
• Use the Site for any unlawful purpose
• Attempt to gain unauthorized access to any part of the Site
• Interfere with or disrupt the Site's functionality
• Collect or harvest any information from the Site without permission

Electronic Communications

By providing your contact information, you consent to receive communications from us via:

• Email regarding your inquiries and our services
• Text messages (SMS) if you provide your mobile number
• Phone calls from our sales team

You may opt out of marketing communications at any time. Standard message and data rates may apply for SMS.

Electronic Signatures & E-Sign Consent

By using this website and our services, you consent to conduct business electronically, including:

• Receiving documents, notices, and disclosures electronically
• Signing documents and agreements using electronic signatures
• Submitting applications and forms electronically

Legal Validity

Electronic signatures and electronic records are legally valid and enforceable under applicable federal and state law, including:

• Federal: Electronic Signatures in Global and National Commerce Act (E-SIGN Act), 15 U.S.C. § 7001 et seq.
• State: Uniform Electronic Transactions Act (UETA) as adopted in your state
• Missouri: Missouri Uniform Electronic Transactions Act, RSMo § 432.200 et seq.

You agree that electronic signatures have the same legal effect as handwritten signatures, and electronic records satisfy any requirement for written documents.

Audit Trail

Our system maintains audit records including timestamps, IP addresses, and document tracking for legal compliance purposes.

Intellectual Property

All content on this Site, including text, images, logos, and design, is the property of STL Auto Hub or its licensors and is protected by intellectual property laws. You may not reproduce, distribute, or use any content without our written permission.

Limitation of Liability

STL Auto Hub is not liable for:

• Indirect, incidental, or consequential damages arising from Site use
• Losses resulting from reliance on information provided on the Site or by chatbots
• Technical issues, errors, or interruptions to Site availability
• Actions of third-party service providers or lenders

Our total liability for any claim shall not exceed the amount paid by you, if any, for services through the Site.

Dispute Resolution

Any disputes arising from these Terms or your use of the Site shall be resolved through binding arbitration in the State of Missouri. You waive any right to participate in a class action lawsuit or class-wide arbitration.

Governing Law

These Terms are governed by the laws of the State of Missouri, without regard to conflict of law principles.

Changes to Terms

We reserve the right to modify these Terms at any time. Continued use of the Site after changes constitutes acceptance of the updated Terms.

Contact Us

For questions about these Terms, please contact us:

• STL Auto Hub
• 15850 Country Ridge Dr
• Chesterfield, MO 63017
• Phone: (888) 641-9865