BHPH Dealers Franchise Customers
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Now live at app.gearr.io

Your dealership runs on
relationships.
Gearr makes them stick.

Gearr adds revenue to your bottom line — through better collections, warranty sales, customer retention, and a service experience that keeps people coming back.

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Built for two markets
One platform.
Two dealer types. One mission.

Whether you run a BHPH lot or a franchise dealership, Gearr finds the revenue you are leaving on the table every day — and puts it back on your books.

Buy Here Pay Here
Collect more.
Repo less.
Keep your customers.

Digital payment collection, automated reminders, the Repair Bridge, Second Chance Score, and a Lot-to-Loan Pipeline — everything a BHPH dealer needs to run a tighter operation.

Repair Bridge Second Chance Score Lot-to-Loan Pipeline Digital Payments
Explore BHPH
Franchise
Sell more warranties.
Keep customers
for life.

Coverage Passport, technician video approval, the Gearr warranty kiosk, and a built-in insurance marketplace — every tool designed to capture the F&I revenue dealers leave behind every month.

Coverage Passport Warranty Kiosk Video Approval Insurance Marketplace
Explore Franchise
New in Gearr
Built-in insurance.
Revenue for every dealer.

Through Gearr's built-in insurance marketplace, every customer can shop and purchase auto insurance directly in their app — with real quotes from leading insurance carriers. Every policy purchased generates a referral commission that flows to the dealer automatically. No extra work. Pure bottom-line revenue.

BHPH
Insurance verification
automated at point of sale
Franchise
Additional referral revenue
alongside warranty commissions
Insurance Quotes — Customer App
Progressive $112/mo
Full coverage · $500 deductible
State Farm $128/mo
Full coverage · $250 deductible
Geico $98/mo
Liability only · $500 deductible
Real quotes from leading carriers · Policy stored in Glovebox automatically
How Gearr works
Three ways Gearr adds to your bottom line.
01
Collect what you are owed

Digital payment collection, automated reminders, and a customer app that makes paying as easy as tapping a button. Late accounts go down. Collections go up.

02
Capture revenue you are missing

Warranty renewals that lapse. Covered repairs going to independent shops. Customers who stop paying after a breakdown. Gearr finds this lost revenue and recovers it automatically.

03
Keep customers coming back

A customer who feels connected to their dealer stays longer, refers more people, and buys their next vehicle from you. Gearr builds that connection between visits — not just during them.

Ready to see what Gearr
does for your dealership?

Same day onboarding. Works alongside your existing system. No long-term commitment to start.

Book a Demo BHPH Dealers Franchise
Buy Here Pay Here

Collect more.
Repo less.
Keep your customers.

Gearr is not a DMS replacement. It is the customer relationship and payments layer that sits on top of what you already have — and makes the whole operation tighter.

Set Up Your Dealership Sign In
Inside the platform
Your whole portfolio on one screen.

Portfolio Health scores every account in real time. Today’s Actions tells you exactly who to call and why — before it becomes a repo.

app.gearr.io/dashboard
Gearr BHPH dealer dashboard showing Portfolio Health and Todays Actions
Gearr BHPH — Dealer Dashboard
The Repair Bridge
The only tool built for when their car breaks down.

A breakdown is the number one reason BHPH customers stop paying. Right now there is no system for handling it — just a phone call and a prayer. Repair Bridge changes that.

Customer reports the issue
Taps "My Car Needs Help," describes the problem, uploads a video. Gearr generates a plain-English diagnosis and finds a trusted shop nearby.
Dealer decides with full context
Cover It, Split It, or Customer Pays — dealer sees payment history, Second Chance Score, and outstanding balance before making the call.
Payment handled automatically
Whether the dealer covers it or the customer pays in installments — every dollar is tracked and processed digitally. Customer stays on the road. Payments continue.
Repair Bridge — Active Request
Sarah Kim
2018 Chevy Impala · Est. $420
Needs Decision
Alternator failure — car will not start. Video uploaded. Trusted shop located 0.8 miles away.
Payment history 14 on-time in a row
Lot-to-Loan — Salesperson View
Customer budget: $250/week · $1,500 down · 36 months
8 vehicles match this budget
2019 Honda Accord
62,000 mi · $14,200
$238/wk
Within budget
2018 Toyota Camry
74,000 mi · $13,500
$226/wk
Within budget
Lot-to-Loan Pipeline
Salespeople only show customers what they can afford.

Salesperson enters income and down payment on a tablet. The lot inventory filters in real time — only showing vehicles within the customer's budget, with estimated weekly payment on each card. Deals close faster. Customers stop feeling embarrassed.

Walk the lot with confidence
Salesperson enters budget on a tablet before looking at a single car. Every vehicle they point to is already affordable. The "you can't have that one" conversation never happens.
One tap starts the deal
Customer likes a car, salesperson taps Start This Deal — finance manager inside sees everything loaded and ready before they walk through the door.
Second Chance Score
Give customers a reason to pay on time.

A loyalty metric — not a credit score — that rewards on-time payments and gives customers something to work toward. The most human feature in any BHPH platform.

Every payment moves the needle
Make a payment on time and the score goes up. Customers see it in their app. They stop paying out of fear and start paying out of pride.
Dealer captures upgrades automatically
When a customer's score hits the upgrade tier, Gearr alerts the dealer. The outreach goes out before the customer starts shopping elsewhere.
Referrals become trackable and rewarding
Customers share a referral link from their app. When a friend gets approved the referring customer earns a reward. Dealer gets a warm, pre-qualified lead.
Second Chance Score
648
STRONG
300 — 850
Next milestone 650 — Upgrade eligible
2 more on-time payments to unlock upgrade tier
Payment streak 14 in a row
On-time rate 100%
Everything else
The full BHPH platform.

Every tool a BHPH dealer needs — in one place, same day onboarding, works alongside your existing system.

Digital Payment Collection
Weekly and monthly collections, down payments, and repair costs — all collected digitally with one tap. Automated reminders at 3 days before due, day of, and every day late.
Digital Buyer's Order
Generate a professional buyer's order in under 2 minutes. Customer signs digitally on screen or from their phone. Stored automatically in their Glovebox.
Digital Glovebox
Every document a customer needs — title, insurance card, repair receipts, buyer's order — stored permanently and accessible from their phone.
Shop Network
Dealer adds their preferred repair shops — name, contact, hours, relationship type. Shops are routed automatically when a Repair Bridge request comes in.
Two-Way Messaging
Dealer messages individual customers or broadcasts to all late accounts at once. All conversations logged permanently — no more chasing customers on personal phones.
Portfolio Health Dashboard
Deal Pulse score — a single number showing overall portfolio health. Color-coded payment status across every active deal. Late accounts surfaced automatically every morning.
Built-in insurance marketplace
Chase insurance verification
no more — and earn from it.

Chasing proof of insurance is one of the biggest time drains in BHPH. Customers let it lapse, dealers have no easy way to verify or renew. Gearr fixes it — and turns the whole process into a revenue stream.

Customer shops real quotes in the app
Customer answers a few questions, sees real quotes from leading carriers side by side, and purchases in under 5 minutes. Coverage lands in their Glovebox automatically.
Dealer earns a referral commission
Every policy purchased through Gearr generates a referral fee that flows to the dealer automatically. No extra work, no follow-up. Pure additional revenue on top of everything else Gearr already generates.
Verification is automatic
When a customer purchases through Gearr, their insurance card goes directly into their Glovebox and is flagged as verified on the dealer's dashboard. The chase stops here.
Insurance Marketplace — Customer View
Auto Insurance Quotes
2018 Chevy Impala · ZIP 33309 · Clean record
Progressive $112/mo
Full coverage · $500 deductible
State Farm $128/mo
Full coverage · $250 deductible
Geico $98/mo
Liability only · $500 deductible
Real quotes from leading carriers · Policy stored in your Glovebox automatically

Be live before end of day.

Same day onboarding. No DMS migration. Works alongside Frazer, DealerCenter, or whatever you already have.

Set Up Your Dealership Sign In
Franchise Dealer Platform

Sell more warranties.
Keep customers for life.

Franchise dealers leave F&I revenue behind every month — from renewals that lapse, covered repairs going to independent shops, and customers who forget what they bought. Gearr captures all of it.

Request a Demo Sign In
Inside the platform
Every warranty. Every customer. One view.

The Coverage Passport tracks every F&I product across your entire customer base — what is active, what is expiring, and what already lapsed.

app.gearr.io/coverage
Gearr Franchise Coverage Passport showing warranty records across all customers
Gearr Franchise — Coverage Passport
Under 30%
Industry-wide F&I product utilization — customers buy coverage and never use it
10 months
Average time per year a customer is NOT in the service drive — during which dealers have zero touchpoint
40–50%
Average approval rate on recommended repairs without video — jumps to 70–80% with tech video approval
$2,700+
Average F&I gross profit per vehicle — most of it invisible to the customer after the sale
Coverage Passport
Customers finally know what they own.

A franchise dealer sells a $2,000 warranty at the F&I desk. The customer puts the paperwork in their glove compartment and never opens it. Six months later their AC fails — they go to an independent shop and pay out of pocket. You lost that RO. The Coverage Passport prevents this.

Every product in plain English
What's covered, what's not, deductible amount, expiration date — displayed in the customer's Gearr app in plain English. No legal jargon. No booklet in the glove compartment.
Expiration alerts generate renewals
Customer and F&I manager both notified at 90, 60, and 30 days before expiration. Renewal offer surfaces automatically in the app. Revenue that would otherwise vanish gets recovered.
Covered repair detection keeps ROs in-house
When a service recommendation matches active coverage Gearr notifies the customer and flags the advisor. ROs that would go to independent shops stay at your dealership.
Coverage Passport — Customer App
Extended Warranty
Expires Dec 2027 · $100 deductible
Engine Transmission AC
Tire & Wheel 47 days left
$0 deductible · Bumper-to-bumper on all four tires and wheels
Expiring soon — tap to renew
GAP Insurance
Active · Linked to loan balance
Repair Approval — Customer View
From: Service Advisor Mike · 2 minutes ago
Video from the service bay
Your rear brake pads are at 2mm and need to be replaced. Recommended service: $340.
Technician Video Approval
Customer sees the problem.
Approval rate jumps to 70%+.

The average franchise service department approves 40–50% of recommended repairs. When the technician records a 30-second video showing the problem and sends it to the customer's phone — approval rate jumps to 70–80%. Every declined repair that converts is pure gross profit.

Tech records video in the bay
30 seconds. Customer's phone. They see exactly what the tech sees — and they trust it. No more "how do I know that's actually wrong with my car."
Customer approves and pays remotely
Approve the repair and pay — before the car is even done. No cashier interaction at pickup. No wait. The elevated experience keeps customers coming back.
Receipt auto-populates in Glovebox
Every completed repair is stored permanently in the customer's Glovebox. When they go to trade in — they have a documented service history that adds real value.
Insurance Marketplace — Customer App
Auto Insurance Quotes
2021 Toyota Camry · ZIP 77001 · Clean record
Progressive $134/mo
Full coverage · $500 deductible
State Farm $149/mo
Allstate $141/mo
Real quotes from leading carriers · Policy stored in Glovebox automatically
Built-in insurance marketplace
Another revenue stream.
Zero extra effort.

Through Gearr's integrated insurance marketplace, every customer can shop and purchase auto insurance directly in their app — with real quotes from leading insurance carriers. Every policy purchased generates a referral commission that flows to the dealer automatically. It is one more way Gearr adds to your bottom line without adding to your workload.

Real quotes from top carriers
Customer compares rates from Progressive, State Farm, Allstate, and others — side by side, in plain terms. Purchases in under 5 minutes. Policy stored in Glovebox automatically.
Referral commission goes to the dealer
Every policy purchased through Gearr generates a referral fee. It flows automatically, requires no follow-up, and adds to the dealer's monthly revenue alongside warranty commissions and processing fees.
Optional Add-On
The Gearr Kiosk
A warranty sales machine in your waiting room.

While customers wait for service, they browse their existing coverage, see what is expiring, and shop warranty options on a touchscreen kiosk — no sales pressure, no staff involvement required. Every purchase is handled digitally and coverage lands in their app immediately.

Customer enters phone number — profile loads instantly
Current coverage, what's expiring, service history. Everything they need to make an informed purchase decision — while they wait for their oil change.
Dealer earns commission — automatically
Every kiosk sale triggers a commission notification on the dealer dashboard. The kiosk runs itself. No staff involvement, no paperwork, no missed opportunities.
Coverage lands in their app instantly
Customer buys at the kiosk — their Coverage Passport updates in real time. They leave with documentation in their pocket. No paperwork to lose.
Gearr Kiosk — Service Waiting Room
James Chen · 2021 Toyota Camry
Extended Warranty
Active · Expires Dec 2027
Tire & Wheel 47 days left
Tap to renew — $0 deductible
Add Coverage
Paint Protection
From $299
Dent Protection
From $199
Full platform features
Everything a franchise service department needs.

The core Gearr platform covers the full service experience — from lane check-in to payment to post-visit follow-up.

Digital Lane Check-In
Service advisor checks customers in on a tablet in the lane — VIN scan, odometer, condition photos, customer concern, digital signature. No paper, no clipboard, no re-entry into DMS.
Text to Pay
Service writer sends a payment request to the customer's phone with one tap. Customer pays before pickup. Zero cashier interaction. Zero wait at the desk.
Service Status Updates
Customer gets a push notification every time their vehicle moves — Checked In, In Bay, Parts Ordered, Ready. Eliminates the number one service department complaint.
Loaner Vehicle Management
Digital loaner agreements, fuel level logged at checkout and return, damage photo documentation, and automatic return reminders. Charges for fuel or damage processed digitally.
Digital Multi-Point Inspection
Tech fills out the inspection on the Gearr app — green, yellow, red per item, photos attached. Customer receives a full visual report on their phone. Any red item has a one-tap approve-and-pay button.
Recall Alerts
Gearr checks every VIN in the system against the NHTSA recall database. The moment a recall is issued, customer and dealer are both notified — with a one-tap link to book the recall appointment.

Ready to capture the revenue you're missing?

Same day onboarding. No DMS integration required to start. The kiosk is an optional add-on when you're ready.

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Gearr Customer App

Your car.
Your account.
Your pocket.

Everything about your vehicle in one place — your deal, your payments, your warranty coverage, your insurance, your service history, and a score that rewards you for doing the right thing.

Access Your Account Download the App
What is in the app
Six sections.
Everything you need.

Your deal, your payments, your coverage, your insurance, your documents, and your messages — all in one place, accessible from your phone any time.

Home
Your Second Chance Score front and center. Next payment due with a Pay Now button. Quick links to Car Help, Insurance, Glovebox, and Messages.
My Deal
Full deal terms, payment schedule, outstanding balance, and payoff amount. Know exactly where you stand at all times — no calling the dealer to ask.
Car Help
When your car needs service, tap here. Describe the issue, upload a video, find a trusted shop, and let your dealer know — all without making a single phone call.
Insurance
Shop and purchase auto insurance directly in the app. Real quotes from top carriers, compared side by side. Policy purchased in minutes — stored in your Glovebox automatically.
Glovebox
Every document you need — warranty, insurance card, repair receipts, buyer's order — stored permanently and accessible any time. No more losing paperwork.
Messages
Talk directly to your dealer. No hold music, no phone tag. Send a message, get a reply, and keep a record of every conversation.
Built-in insurance marketplace
Shop real insurance quotes
right in the Gearr app.

The Gearr insurance marketplace lets you compare real auto insurance quotes from leading carriers — all without leaving the app. Answer a few questions, see your options, and purchase in under 5 minutes. Your policy card goes straight into your Glovebox.

Real quotes from top carriers
Progressive, State Farm, Allstate, Geico, and more — all compared side by side with no pressure and no hidden fees. You see exactly what you're getting before you buy.
Policy lands in your Glovebox
The moment you purchase, your insurance card is stored in your Glovebox and verified with your dealer automatically. No uploading, no emailing, no chasing down proof of insurance.
Expiration reminders keep you covered
Gearr tracks your policy expiration and reminds you before it lapses — so you never get caught driving without coverage or face a policy gap that could affect your deal.
Insurance — Get a Quote
Your vehicle is pre-filled. Just confirm your ZIP code and driving history.
Progressive $112/mo
Full coverage · $500 deductible · Roadside included
State Farm $128/mo
Full coverage · $250 deductible
Geico $98/mo
Liability only · $500 deductible
Leading carriers · Your policy card goes straight to your Glovebox
Second Chance Score
648
STRONG
You are in the top tier
Payment streak 14 in a row
Next milestone 650 — Upgrade eligible
On-time payments 14 / 14
Second Chance Score
A score you can be proud of.

The Second Chance Score is not a credit score. It does not affect your credit report. It is a loyalty metric internal to Gearr that exists for one reason — to show you that your hard work is noticed and rewarded.

Every payment moves the needle
Make a payment on time and the score goes up every single time. Watch your progress in real time in the app — and feel the momentum build.
Milestones and rewards along the way
Payment streaks, halfway points, and payoff milestones all trigger celebrations in the app — and real rewards from your dealer. Your payments mean something here.
Unlock upgrade opportunities
Hit the upgrade tier and your dealer reaches out with options for a better vehicle. Your payment history built something real — and Gearr makes sure you get credit for it.
Get started
Your account is already set up.
Just tap the link.

Your dealer created your Gearr account when they set up your deal. You received a text with a link — tap it to access your account instantly. No download required to get started.

1
Check your texts
Your dealer sent you a link when they set up your account. Tap it — your Gearr account is already waiting at my.gearr.io.
2
Verify with your phone number
Enter your phone number, receive a 6-digit code, and you are in. No username, no password — your phone number is all you need.
3
See your account instantly
Your deal, your payments, your Second Chance Score — everything is already there. Your dealer set it all up. You just tap in.
4
Download the app for the full experience
The web app works great in your browser. Download the Gearr app from the App Store or Google Play for push notifications, faster access, and a home screen icon.

Your account is waiting.

Access your account at my.gearr.io — or download the Gearr app for push notifications and full offline access.

Access My Account Download the App
Get in touch

Let's talk about
what Gearr can do for
your dealership.

Book a demo, ask a question, or just reach out. We respond to every message — usually the same day.

Send us a message
We would love to hear from you.
Book a Demo
Schedule a live walkthrough
See the full Gearr platform in action. We will walk you through the features most relevant to your dealership and answer any questions.
Book a Demo
Email
mike@gearr.io
For general inquiries, partnership discussions, or anything else — email us directly.
Already a dealer?
Sign into your dashboard
Access your Gearr dealer dashboard, manage your customers, and view your portfolio.
Dealer Sign In
Customer support
Access your customer account
If you are a customer looking to access your Gearr account, tap below or check your texts for the link your dealer sent you.
Customer Login
Legal

Terms and
Conditions

Last Updated: July 2026  ·  Effective Date: July 2026

These Terms and Conditions ("Terms") govern your access to and use of the Gearr platform, including app.gearr.io, my.gearr.io, kiosk.gearr.io, and any associated mobile applications, APIs, and services (collectively, the "Platform"), operated by MyDealer Inc. DBA Gearr ("Gearr," "we," "us," or "our"). By accessing or using the Platform you agree to be bound by these Terms. If you do not agree, you may not use the Platform.

1. Eligibility and Account Registration

You must be at least 18 years of age and legally authorized to enter into binding contracts to use the Platform. Dealer accounts may only be created by authorized representatives of a licensed motor vehicle dealership. You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account.

2. Description of Services

Gearr provides a software-as-a-service platform for automotive dealerships and their customers, including but not limited to:

  • +Deal management, digital payment collection, and customer relationship tools for Buy Here Pay Here (BHPH) dealers
  • +Warranty management, Coverage Passport, expiration alerts, and renewal tools for franchise and independent used car dealers
  • +A customer-facing mobile application for managing vehicle ownership, payments, warranties, insurance, and dealer communications
  • +An optional kiosk interface for in-dealership warranty and insurance shopping
  • +An integrated insurance marketplace powered by licensed third-party insurance providers

Gearr reserves the right to modify, suspend, or discontinue any feature or service at any time with or without notice.

3. Dealer Accounts and Subscriptions

Dealer access to the Platform requires a paid subscription. Subscription fees are billed monthly or annually as selected at signup. All fees are non-refundable except as required by law. Gearr may change pricing with thirty (30) days notice to the email address on file. Failure to pay may result in suspension or termination of access. Dealers are responsible for ensuring accurate dealership information is maintained in their account settings.

4. Payment Processing

Certain payment processing services available through the Platform are facilitated by third-party payment processors. By using payment features on the Platform you agree to the terms of the applicable payment processor. Gearr is not responsible for errors, delays, or failures in payment processing caused by third-party processors. Transaction fees may apply and will be disclosed prior to processing.

5. Insurance Marketplace

The insurance marketplace available through the Platform is powered by licensed third-party insurance providers. Gearr is not an insurance carrier, broker, or agent. Insurance products are offered and sold by licensed third-party insurers. Gearr does not guarantee the accuracy of insurance quotes or the availability of any specific insurance product. Dealers and customers acknowledge that Gearr may earn referral fees when insurance products are purchased through the Platform.

6. Warranty Marketplace

Gearr facilitates connections between dealers, customers, and third-party warranty providers. Gearr is not a warranty provider and does not underwrite any warranty product available on the Platform. Warranty terms, coverage, limitations, and claims processes are governed entirely by the agreements between the warranty provider and the purchaser. Gearr does not guarantee any warranty product and is not liable for any denied claim or coverage dispute.

7. Acceptable Use

You agree not to:

  • +Use the Platform for any unlawful purpose or in violation of any applicable law or regulation
  • +Attempt to gain unauthorized access to any part of the Platform or any other system or network
  • +Upload or transmit viruses, malware, or any other malicious code
  • +Scrape, crawl, or extract data from the Platform without express written consent
  • +Use the Platform to harass, defraud, or harm any person
  • +Impersonate any person or entity or misrepresent your affiliation with any person or entity
8. Intellectual Property

All content, features, functionality, software, design, text, graphics, logos, and other materials on the Platform are owned by MyDealer Inc. DBA Gearr or its licensors and are protected by United States and international copyright, trademark, trade secret, and other intellectual property laws. You may not copy, modify, distribute, sell, or lease any part of the Platform without our express written permission. The Gearr name and logo are trademarks of MyDealer Inc. and may not be used without written authorization.

9. Customer Data

Dealers are responsible for obtaining all necessary consents from their customers before entering customer data into the Platform. Dealers represent and warrant that they have the legal right to share all customer data provided to Gearr. Gearr will process customer data in accordance with its Privacy Policy.

10. Disclaimer of Warranties

THE PLATFORM IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. GEARR DOES NOT WARRANT THAT THE PLATFORM WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

11. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL MYDEALER INC. DBA GEARR BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING LOST PROFITS, LOST DATA, OR LOSS OF GOODWILL, ARISING OUT OF OR RELATED TO YOUR USE OF THE PLATFORM, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. GEARR'S TOTAL LIABILITY TO YOU FOR ANY CLAIM SHALL NOT EXCEED THE AMOUNT PAID BY YOU TO GEARR IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM.

12. Indemnification

You agree to indemnify, defend, and hold harmless MyDealer Inc. DBA Gearr and its officers, directors, employees, contractors, and agents from and against any claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or related to your use of the Platform, your violation of these Terms, or any customer data you submit to the Platform.

13. Termination

Gearr may suspend or terminate your account and access to the Platform at any time, with or without cause, with or without notice. You may terminate your account at any time by contacting mike@gearr.io. Upon termination, your right to use the Platform immediately ceases.

14. Governing Law and Dispute Resolution

These Terms are governed by the laws of the Commonwealth of Pennsylvania without regard to conflict of law principles. Any dispute arising under these Terms shall be resolved by binding arbitration in Philadelphia, Pennsylvania under the rules of the American Arbitration Association. YOU WAIVE ANY RIGHT TO A JURY TRIAL OR TO PARTICIPATE IN A CLASS ACTION.

15. Modifications to Terms

Gearr reserves the right to modify these Terms at any time. We will provide notice of material changes by posting the updated Terms on the Platform and updating the "Last Updated" date. Your continued use of the Platform following notice of changes constitutes your acceptance of the revised Terms.

Contact
MyDealer Inc. DBA Gearr
mike@gearr.io
gearr.io
Legal

Privacy
Policy

Last Updated: July 2026  ·  Effective Date: July 2026

MyDealer Inc. DBA Gearr ("Gearr," "we," "us," or "our") is committed to protecting the privacy of dealers, customers, and all users of the Gearr platform. This Privacy Policy describes how we collect, use, disclose, and protect your information when you access or use our Platform, including app.gearr.io, my.gearr.io, kiosk.gearr.io, and any associated mobile applications and services.

1. Information We Collect
1.1 Information You Provide Directly

We collect information you provide when you register for an account, use the Platform, or contact us, including:

  • +Name, email address, phone number, and mailing address
  • +Dealership name, license number, and business information
  • +Vehicle information including make, model, year, VIN, and mileage
  • +Financial information including payment method details — we do not store full card numbers
  • +Warranty and F&I product details entered into the Platform
  • +Messages, communications, and content you submit through the Platform
  • +Photos and videos uploaded through the Platform
1.2 Information Collected Automatically
  • +Device information including IP address, browser type, operating system, and device identifiers
  • +Usage data including pages visited, features used, time spent, and actions taken
  • +Log data including access times, error logs, and referring URLs
  • +Cookies and similar tracking technologies as described in Section 7
2. How We Use Your Information
  • +Provide, operate, maintain, and improve the Platform and its features
  • +Process payments and manage transactions
  • +Send warranty expiration alerts, renewal offers, and service notifications
  • +Facilitate insurance quote requests and policy purchases
  • +Enable dealer-customer communications through the messaging features
  • +Generate and maintain the Coverage Passport and Digital Glovebox
  • +Calculate and display the Second Chance Score
  • +Detect, investigate, and prevent fraudulent or unauthorized activity
  • +Comply with legal obligations and enforce our Terms and Conditions
3. How We Share Your Information

We do not sell your personal information. We share your information only in the following circumstances:

With Dealers

If you are a customer, your dealer has access to your account information, vehicle data, payment history, and communications through the Platform. Dealers are responsible for their own use of your information.

With Service Providers

We share information with trusted third-party providers who assist us in operating the Platform, including payment processors, cloud hosting, SMS services, and analytics. These providers are contractually required to use your information only as directed by us.

With Insurance and Warranty Partners

When you request a quote or purchase a warranty or insurance product through the Platform, we share relevant information with the applicable provider to facilitate the transaction.

For Legal Reasons

We may disclose your information if required by law, subpoena, or governmental authority, or if we believe disclosure is necessary to protect our rights, your safety, or the safety of others.

4. Data Retention

We retain your information for as long as your account is active or as needed to provide the Platform. We retain dealer data for a minimum of seven (7) years to comply with applicable business and tax record requirements. We retain customer vehicle and warranty records for the duration of the customer's relationship with the dealer plus five (5) years.

5. Data Security

We implement commercially reasonable technical and organizational security measures including encryption of data in transit using TLS, encryption of sensitive data at rest, access controls limiting employee access to personal information, and regular security assessments. No method of transmission over the internet is 100% secure, but we are committed to protecting your information.

6. Your Rights and Choices

Depending on your location and applicable law, you may have the right to access, correct, delete, or receive a portable copy of your personal information, and to opt out of non-essential communications. To exercise any of these rights, contact us at mike@gearr.io. We will respond within thirty (30) days.

7. Cookies

We use cookies and similar technologies to operate the Platform, remember your preferences, and analyze usage. You may control cookies through your browser settings, but disabling cookies may affect the functionality of the Platform.

8. Children's Privacy

The Platform is not directed to children under the age of 13 and we do not knowingly collect personal information from children under 13. If you believe we may have collected information from a child under 13, please contact us at mike@gearr.io.

9. California Privacy Rights (CCPA)

If you are a California resident, you have additional rights under the CCPA/CPRA, including the right to know what personal information we collect, use, and disclose; the right to delete your personal information; and the right to opt out of the sale or sharing of personal information. We do not sell personal information. To submit a request, contact mike@gearr.io.

10. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of material changes by posting the updated policy on the Platform and updating the "Last Updated" date. Your continued use of the Platform following notice of changes constitutes your acceptance of the revised policy.

Contact
MyDealer Inc. DBA Gearr

Privacy Inquiries:

mike@gearr.io
gearr.io