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Terms of use

COWBOY CREDIT TERMS OF USE Effective Date: October 18, 2026 Version: 1.5 1. OPERATOR IDENTITY AND ACCEPTANCE OF TERMS Welcome to Cowboy Credit (https://cowboy.credit and https://apply.cowboy.credit). Cowboy Credit is operated as a division of Fremont Motor Company, doing business as Fremont Motor Companies and Cowboy Credit ("Cowboy Credit," "Fremont," "we," "us," or "our"), headquartered at 906 Main St, Lander, WY 82520. By accessing or using our websites, browsing vehicle inventory, submitting a vehicle-help request, or starting an online credit application, you agree to these Terms of Use ("Terms"). If you do not agree to these Terms, do not use the websites. 2. ROLE OF COWBOY CREDIT AND PARTICIPATING DEALERSHIPS (NO LENDER DECISIONS OR GUARANTEED APPROVAL) - Not a Lender or Bank: Cowboy Credit is an online used-vehicle discovery and credit-application intake service for participating Fremont Motor Companies dealerships. Cowboy Credit does not make credit decisions, extend loans, set annual percentage rates ("APRs") or financing terms, or guarantee credit approval. - RouteOne and Dealership Workflow: When you submit a credit application on apply.cowboy.credit, we transmit your application information and any selected vehicle metadata to RouteOne to establish a retail credit application and deal file for the participating Fremont Motor Companies dealership (initially coordinated through Fremont Motors Casper, 6101 E 2nd St, Casper, WY 82609, and participating Fremont dealerships). Authorized dealership finance personnel review your file in RouteOne, contact you to discuss transaction terms, and submit your application to prospective third-party finance sources (banks, credit unions, and automotive lenders) as applicable. - No Vehicle Reservation or Price Lock: Browsing a vehicle, selecting a vehicle in an application, receiving a submission receipt, or submitting a help request does NOT reserve, hold, or lock the price of any vehicle, nor does it create a binding contract of sale or financing commitment. All vehicle purchases and retail installment sale contracts require separate written agreements executed directly with the selling Fremont Motor Companies dealership. 3. ELIGIBILITY AND JURISDICTION RULES - Primary Credit Applicants: To submit a credit application as a primary applicant on apply.cowboy.credit, you must be a current resident of the State of Wyoming ("WY"), at least 18 years of age, and legally capable of entering into a binding contract. - Co-Applicants on Joint Applications: If a Wyoming primary applicant initiates a joint credit application, the invited co-applicant may reside in Wyoming or another supported U.S. state, provided the co-applicant is at least 18 years of age and legally capable of applying under the law of their state of residence. The co-applicant must independently authenticate their own email and mobile phone number, enter their own information, and accept their own disclosures and credit authorization. One person may never authenticate, enter data, or consent on behalf of another person. - Out-of-State Visitors / General Help Requests: Visitors residing outside Wyoming may browse inventory and submit a national non-credit Vehicle-Help Request on cowboy.credit. 4. USED VEHICLE INVENTORY, PRICING, AND AVAILABILITY LIMITATIONS - Used Inventory Only: Cowboy Credit displays pre-owned (used) vehicles supplied by up to 13 participating Fremont Motor Companies dealerships. - Participating Seller Relationship: The physical dealership lot where a vehicle is currently stored is kept private in public listings and is NOT automatically the selling dealership. Any participating Fremont Motor Companies dealership may sell an eligible vehicle in the program, subject to availability and transfer logistics. The actual selling dealership will be identified in your retail transaction documents and before any dealer-specific reassignment. - Advertised Price and $599 Documentation Fee: Unless expressly stated otherwise on a specific vehicle listing, each advertised vehicle price on Cowboy Credit already includes the dealership's $599.00 documentation and handling fee once, plus the title fee. Do not add the $599.00 documentation fee a second time. Advertised prices exclude applicable state and local sales/use taxes, registration and license plate fees, finance charges, and any optional products, accessories, service contracts, or protection plans you choose to purchase. - Feed Timing and Accuracy: Vehicle inventory feeds are reconciled approximately every 4 hours, and listings are automatically suppressed if feed data becomes more than 24 hours old. Because vehicles are actively offered for sale at participating dealerships, any listed vehicle may be sold, in transit, undergoing reconditioning, or unavailable before the website reflects the change. We reserve the right to correct clerical, typographical, or data-feed pricing and equipment errors at any time. Always confirm final vehicle availability, equipment, mileage, and total purchase price directly with the participating dealership before signing purchase documents. 5. ACCEPTABLE USE AND ACCOUNT SECURITY You agree to provide truthful, accurate, and current information belonging only to yourself. You may not: - Submit another person's credit application, SSN or sensitive personal/financial details, or authenticate or consent on their behalf. The separate co-applicant invitation flow permits entering the invited person's contact details only; they must independently authenticate, supply their information and consent; - Attempt to bypass our email-first and recipient-requested SMS verification controls, state eligibility gates, or Google reCAPTCHA Enterprise protections; - Scrape, spider, copy, reverse-engineer, or conduct automated harvesting of vehicle inventory, pricing feeds, or application endpoints; or - Interfere with the security, availability, or integrity of cowboy.credit or apply.cowboy.credit. 6. INTELLECTUAL PROPERTY All content, text, graphics, logos, software, and compilations on cowboy.credit and apply.cowboy.credit are the property of Fremont Motor Company or its licensors and are protected by United States copyright, trademark, and intellectual property laws. "Cowboy Credit" and "Fremont Motor Companies" are trademarks/trade names of Fremont Motor Company. You are granted a limited, revocable, non-exclusive license to use the websites solely for your personal, non-commercial vehicle shopping and credit application purposes. 7. DISCLAIMERS AND LIMITATION OF LIABILITY TO THE MAXIMUM EXTENT PERMITTED BY WYOMING AND FEDERAL LAW, THE WEBSITES AND ALL VEHICLE LISTINGS ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE WEBSITES WILL BE UNINTERRUPTED OR ERROR-FREE, THAT ANY VEHICLE LISTED WILL REMAIN AVAILABLE, OR THAT ANY CREDIT APPLICATION WILL RESULT IN A FINANCING OFFER. TO THE FULLEST EXTENT PERMITTED BY LAW, FREMONT MOTOR COMPANY AND ITS AFFILIATES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF OR INABILITY TO USE THE WEBSITES. 8. GOVERNING LAW, VENUE, AND DISPUTE RESOLUTION These Terms and any dispute arising out of or relating to your use of cowboy.credit or apply.cowboy.credit are governed by federal law and the laws of the State of Wyoming, without regard to conflict-of-law principles. Unless otherwise required by applicable consumer protection law or a subsequent written retail installment contract signed with a participating dealership, any legal action or proceeding arising under these Terms shall be brought exclusively in the state or federal courts located in Fremont County or Natrona County, Wyoming, and you consent to the personal jurisdiction of such courts. 9. CONTACT INFORMATION Questions regarding these Terms may be directed to: Fremont Motor Company (d/b/a Fremont Motor Companies and Cowboy Credit) 906 Main St, Lander, WY 82520 Support Email: [email protected] Privacy Email: [email protected] Telephone: (307) 202-9096 (Monday–Friday, 8:00 AM – 6:00 PM Mountain Time)