Typical compliant footer:
Please note that all annotations will be removed in the live dealer version.
Dealership websites operating in or collecting data from residents of Texas must comply with both general privacy laws and state-specific consumer protection and automotive regulations. Texas has enacted the Texas Data Privacy and Security Act (TDPSA).
Below is an example of Texas Dealership Privacy Policy (Annotated: Please note that all annotations will be removed in the live dealer version, 2026 Compliant).
Effective Date: [Insert Effective Date]
[ANNOTATION: Insert your dealership’s legal name]
[Dealership Legal Name] (“Dealership,” “we,” “our,” or “us”) respects your privacy and is committed to protecting the personal information of our customers and website visitors. This Privacy Policy explains how we collect, use, disclose, and safeguard personal information in compliance with:
[ANNOTATION: This section clarifies legal compliance scope and is required for transparency]
We may collect the following types of personal information from website users, customers, and finance applicants:
A. Personal Identifiers
B. Financial Information
C. Vehicle and Transaction Information
D. Technical Information
E. Location Information
[ANNOTATION: Required under TDPSA and GLBA; all categories must be disclosed]
Information may be collected through:
[ANNOTATION: Must disclose all methods of collection under federal and Texas law]
We use personal information to:
[ANNOTATION: TDPSA requires disclosure of each purpose for processing personal information]
We may share personal information with:
[ANNOTATION: GLBA and TDPSA require disclosure of categories of recipients]
Texas residents may request to opt out of the sale or targeted advertising use of their personal information by contacting us at:
[ANNOTATION: Required under Texas law if the dealership sells data]
Our website uses cookies, pixels, and other tracking technologies for:
Users may disable cookies in their browser settings; however, some website features may not function properly if cookies are disabled.
[ANNOTATION: Required disclosure for tracking and online marketing under FTC and TDPSA]
Under the Texas Data Privacy and Security Act (TDPSA), Texas residents may:
Requests may be submitted to:
[ANNOTATION: Must provide clear instructions for submitting privacy requests]
We implement administrative, technical, and physical safeguards, including:
[ANNOTATION: GLBA Safeguards Rule and FTC data security standards]
Personal information is retained only as long as necessary to:
Information is securely deleted or destroyed when no longer needed.
[ANNOTATION: Required disclosure for transparency and TDPSA compliance]
[ANNOTATION: Required by federal COPPA guidelines if children may access the site]
[ANNOTATION: Standard disclaimer for liability protection]
[ANNOTATION: Required under federal and Texas law for transparency]
Texas Dealer License Disclosure
[Dealership Legal Name] is a licensed motor vehicle dealer in the State of Texas.
TxDMV Dealer License Number: [Insert License Number]
Dealer licenses are regulated by the Texas Department of Motor Vehicles (TxDMV).
Consumers may verify dealer licensing through the TxDMV website.
[ANNOTATION: Required disclosure for transparency and TDPSA compliance]
Under Texas Tax Code Section 23.123, motor vehicle dealerships pay inventory tax to the county tax assessor based on vehicles held for sale.
Statement for Customers
[Dealership Legal Name] is responsible for paying motor vehicle inventory tax on all vehicles held in inventory.
This tax is collected and remitted to the [Insert County Name] County Tax Assessor-Collector in accordance with Texas law.
The tax is calculated on the value of vehicles in inventory and is not a direct charge to customers. Vehicle purchase prices on this website do not include any inventory tax paid by the dealership.
For questions regarding motor vehicle inventory tax, customers may contact the county tax office:
[ANNOTATION: Required by county tax assessor – County Compliance - Texas]
The Dealership strives to ensure that all vehicle information, pricing, and promotions displayed on this website are accurate.
However:
The Dealership is not responsible for typographical, pricing, or data errors.
Final pricing and vehicle availability will be confirmed by dealership staff.
[ANNOTATION: protects dealers from FTC and TxDMV enforcement]
Submission of a financing application through our website does not guarantee credit approval.
All financing approvals are subject to lender review and verification of submitted information.
[ANNOTATION: GLBA and TDPSA require disclosure]
What does [Dealership Name] do with your personal information?
Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing.
The types of personal information we collect and share depend on the product or service you have with us. This may include:
All financial companies need to share customers’ personal information to run their everyday business. We share information to:
We restrict access to personal information to employees who need it to perform their job functions.
We maintain physical, electronic, and procedural safeguards that comply with federal regulations.
Call: [Phone Number]
Email: [Privacy Email]
[ANNOTATION: GLBA Safeguards Rule and Truth in Lending Act disclosure]
Dealership websites operating in or serving residents of Texas must comply with general consumer protection laws as well as state-specific automotive regulations. This includes proper disclosure of website rules, user responsibilities, and legal protections for your dealership. Texas dealerships must also follow requirements enforced by the Texas Department of Motor Vehicles regarding advertising, licensing, and fee transparency.
Below is an example of a Texas Dealership Terms of Use (Annotated: Please note that all annotations will be removed in the live dealer version, 2026 Compliant).
Effective Date: [Insert Effective Date]
[ANNOTATION: Insert your dealership’s legal name]
[Dealership Legal Name] (“Dealership,” “we,” “our,” or “us”) provides this website for informational, commercial, and marketing purposes. By accessing or using this website, you agree to these Terms of Use.
[ANNOTATION: Introductory language required for legal clarity and enforceability.]
[ANNOTATION: Protects dealership from liability for website errors; aligns with Texas law, FTC advertising rules, and automotive industry best practices.]
[ANNOTATION: Required under Texas Occupations Code §2301, TDPSA, and FTC rules; protects dealership against claims for pricing, inventory, or VIN errors.]
[ANNOTATION: Explicit opt-in/opt-out language; TCPA/CAN-SPAM compliance; consumer-friendly instructions.]
[ANNOTATION: Covers credit approval, APR, trade-ins, GLBA, TILA/ECOA compliance, and liability limits.]
[ANNOTATION: Limits liability under Texas law and Section 230 of the Communications Decency Act.]
[ANNOTATION: Protects dealership intellectual property under federal copyright and trademark law.]
[ANNOTATION: Standard liability limitation under Texas law.]
[Dealership Name]
[Street Address, City, TX, Zip]
Phone: [Insert Phone]
Email: [Insert Contact Email]
Dealer License #: [Insert TxDMV License #]
[ANNOTATION: Dealer license number is legally required to be displayed under Texas Occupations Code §2301.476.]
All advertised prices exclude government fees and taxes, title and registration fees, finance charges, dealer document preparation fees, and emission testing charges, where applicable. Prices may include manufacturer rebates and incentives, which may vary based on eligibility requirements such as residency, financing, or trade-in qualifications.
[ANNOTATION: Required to clearly disclose additional costs and conditional rebates under rules enforced by the Texas Department of Motor Vehicles.]
Vehicle availability, pricing, specifications, and features are subject to change without notice. While every effort is made to ensure the accuracy of the information presented, errors or omissions may occur. Please contact the dealership to verify all information.
This website and its contents are intended for informational purposes only and do not constitute an offer to sell or a solicitation to buy any vehicle. All offers are subject to prior sale and may not be available at the time of inquiry.
The dealership is licensed and regulated by the Texas Department of Motor Vehicles and complies with applicable advertising and consumer protection laws of the State of Texas.
[ANNOTATION: Reinforces dealer legitimacy and compliance with Texas regulatory oversight.]
All financing is subject to credit approval. Terms may vary based on creditworthiness, down payment, and lender approval. Advertised monthly payments, if any, are estimates only and may not include taxes, fees, or additional costs.
Texas law allows motor vehicle dealers to charge a documentary fee to process documents related to the sale of a vehicle.
The documentary fee charged by this dealership is $[Insert Amount].
The documentary fee is not an official fee and is not required by law, but is charged to recover costs associated with processing vehicle sale documents.
[ANNOTATION: FTC and Texas Occupations Code Chapter 2301 Disclosure]
By providing your mobile phone number through our website, you consent to receive text messages from [Dealership Name] .
These messages may include:
Message frequency may vary.
Standard message and data rates may apply.
You may opt out of receiving text messages at any time by replying:
For assistance, reply:
Your mobile number will not be shared with third parties for marketing purposes without consent.
Call: [Phone Number]
Email: [Privacy Email]
[ANNOTATION: FTC Disclosure ]
Effective Date: [Insert Date]
[Dealership Name] (“we,” “us,” or “our”) is committed to protecting the privacy of our customers. Under applicable federal and Texas state law, including the California Consumer Privacy Act (CCPA) and the Texas Business & Commerce Code, you have the right to opt out of the sale of your personal information.
We may collect personal information including, but not limited to:
You have the right to direct us not to sell your personal information. We do not discriminate against you for exercising this right.
To exercise this right:
Once your request is received and verified, we will honor your request as required by law.
We do not sell personal information of customers under 16 years old without affirmative authorization. For other individuals, we may share information with trusted service providers as permitted by law.
To protect your privacy, we may need to verify your identity before fulfilling your request. Verification may include providing personal details or confirming information in our records.
For any questions or concerns regarding this statement or our privacy practices, please contact:
[ANNOTATION: Providing contact information satisfies GLBA privacy notice requirements and aligns with Texas §521.052 notice rules. CCPA §1798.130(a) requires a method for consumers to submit inquiries about their personal information.]
[Dealership Name] is committed to ensuring digital accessibility for people with disabilities. We are continually improving the user experience and applying relevant accessibility standards to make our website usable for all visitors.
We aim to meet or exceed the Web Content Accessibility Guidelines (WCAG) 2.1, Level AA, which includes the following actions:
While we strive for full accessibility, some third-party content or certain interactive features may not yet be fully accessible. We continuously work to update these elements to ensure compliance.
Your feedback is important to us. If you encounter accessibility barriers, please contact us:
We will respond to accessibility requests promptly, and we welcome suggestions for improving accessibility.
To enhance accessibility, we recommend using assistive technologies such as screen readers, keyboard navigation, or voice commands. For more information about web accessibility, visit the W3C Web Accessibility Initiative.
[ANNOTATION: Americans with Disabilities Act (ADA) Title III – Requires public accommodations, including businesses like car dealerships, to ensure their services, including websites, are accessible.]
When you choose to submit a credit application through this website, [Dealership Name] may submit your information to one or more third-party lenders or financial institutions to evaluate your eligibility for financing.
As part of that process, those lenders may obtain your consumer credit report in accordance with the Fair Credit Reporting Act.
[ANNOTATION: The FCRA requires a permissible purpose and consumer authorization before pulling a credit report (15 U.S.C. § 1681b). While not required to be posted as a notice, this disclosure supports compliance and transparency.]
In some cases, [Dealership Name] may offer financing directly as a Buy Here Pay Here (BHPH) dealer. This means:
If BHPH financing is offered:
Please contact the dealership directly for details regarding BHPH program terms, payment schedules, and credit reporting practices.
[ANNOTATION: FCRA governs credit report access and reporting obligations. The Truth in Lending Act requires disclosure of financing terms (APR, payments, etc.) before consummation of the contract. Texas law requires clear retail installment contract disclosures under the Texas Finance Code Chapter 348.]
A credit check performed after submission of a full application may constitute a hard inquiry , which can affect your credit score.
Prequalification tools, when available, may use a soft inquiry that does not impact your score.
[ANNOTATION: Falls under FCRA transparency principles and FTC guidance on fair and non-deceptive practices. Helps avoid deceptive practices under the Federal Trade Commission Act (UDAAP risk)]
Submission of a credit application does not guarantee approval, specific terms, or interest rates.
All financing decisions are made solely by the participating lenders based on their underwriting criteria.
[ANNOTATION: Required to prevent misleading advertising under the Federal Trade Commission Act. Also relevant to auto advertising enforcement policies by the Federal Trade Commission.]
We comply with the Equal Credit Opportunity Act and do not discriminate against applicants on any prohibited basis, including race, color, religion, national origin, sex, marital status, age, or receipt of public assistance.
[ANNOTATION: ECOA (15 U.S.C. § 1691) prohibits discrimination in credit transactions.Regulation B requires creditors to provide certain notices (e.g., adverse action). Including this statement demonstrates compliance and reduces regulatory risk.]
[Dealership Name] is not a direct lender unless otherwise stated. We act as an intermediary by submitting your application to independent financial institutions.
[ANNOTATION: Required to avoid deceptive practices under the Federal Trade Commission Act. Clarifies role of dealership vs. lender (important in enforcement actions)]
For residents of Texas:
[ANNOTATION: Texas follows federal FCRA requirements for credit authorization. Installment sales governed by Texas Finance Code Chapter 348. Enforcement authority includes the Texas Office of Consumer Credit Commissioner]
You are responsible for providing accurate and complete information when submitting an application.
Incomplete or inaccurate information may affect your ability to obtain financing.
[ANNOTATION: Supports fraud prevention and underwriting compliance. Helps mitigate liability under general contract law and fraud statutes. Indirectly tied to FCRA data accuracy framework]
If you have questions regarding this notice or the credit application process, please contact:
This notice is provided for informational purposes only and does not require acknowledgment or submission.
Motor vehicles sold by [Dealership Name] in the state of Texas may be subject to a motor vehicle inventory tax assessed on the dealership.
In certain transactions, a separate charge may be included on your purchase documents identified as an “Inventory Tax,” “Dealer Inventory Tax,” or similar designation.
This charge:
If you finance your vehicle purchase, any applicable inventory tax or similar fee will be disclosed in your retail installment contract or buyer’s order.
[ANNOTATION: Required disclosures in motor vehicle sales contracts are governed by the Texas Finance Code Chapter 348. Finance charge and fee disclosures must also comply with the Truth in Lending Act.]
The motor vehicle inventory tax is imposed on dealers under Texas law based on the value of inventory held for sale.
[ANNOTATION: Governed by the Texas Tax Code Section 23.121. Requires dealers to file periodic inventory declarations and remit taxes to local taxing authorities.]
Any inventory tax-related charge listed in your transaction documents is disclosed for transparency and compliance and is not intended to misrepresent a government-imposed fee on the consumer.
[ANNOTATION: Prohibited deceptive practices under the Texas Deceptive Trade Practices Act. Also governed by the Federal Trade Commission Act, which prohibits unfair or deceptive acts or practices.]
The inventory tax is a tax obligation of the dealership and is not required to be paid directly by the buyer to the state or county.
All fees and charges related to your vehicle purchase will be clearly disclosed prior to contract execution in accordance with applicable laws of the state of Texas.
[ANNOTATION: Prohibits: Misleading fees and Misrepresenting dealer charges as government fees. Many enforcement actions in Texas have involved improper labeling of “inventory tax” as a government fee. Truth in Lending Act requires accurate disclosure of all finance charges. Federal Trade Commission Act prohibits deceptive or unfair business practices and the FTC has taken action against dealers for hidden or misleading fees.]
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