By using any of the "CPS websites" (domains consumerportfolio.com, newroads.net, autoloantoday.net, newroadsautoloans.com) you agree to these terms and conditions.

1. You agree not to use the CPS websites in violation of any law.
2. You agree that CPS and its affiliates may use information that you provide, including nonpublic personal information, (a) to attempt to provide you with financial services, and (b) otherwise in accordance with the CPS Privacy Policy.
3. You authorize CPS to obtain, at CPS's expense, one or more consumer credit reports regarding you, and to furnish to others the information contained in such report(s).
4. You agree that you are accessing the CPS websites in the State of [California], regardless of the actual physical location of the server(s) hosting the CPS Websites, and that the internal laws of that State shall govern any legal obligations that you may have to us, or we may have to you.
5. You may not modify, publish, transmit, reverse engineer, participate in the transfer or sale, create derivative works, or in any of the content, in whole or in part, found on this site.
6. We have the right, but not the obligation, to take any of the following actions in our sole discretion at any time for any reason without giving you prior notice:
   • Restrict, suspend or terminate your access to all or any part of our Site.
   • Change, Suspend or discontinue all or any part of our offerings on Site.
   • Refuse, move, or remove any content that is available on all or any part of our Site.
   • Deactivate or delete your accounts.
   • Establish general practices and limits concerning the use of our Site.
7. You agree that we will not be liable to you or any third party for taking any of these actions.
8. As used on the CPS Websites, "CPS" means Consumer Portfolio Services, Inc.