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Terms And Conditions - Updated April 2026

UPDATED TERMS AND CONDITIONS

Last modified:  4/15/2026

The BMWGroupDirect.com website (the "Site") is provided by BMW Financial Services NA, LLC ("BMW FS") through its third-party service provider, Manheim Digital. These Terms of Use will govern your use of the Site and any Vehicle purchase or other transaction that may take place on or through the Site. As used in these Terms of Use, "you" or "your" refers to you as a user of the Site and your Dealership (as defined below), and "buyer" refers to you and any other purchaser of a vehicle listed on the Site (each, a "Vehicle").

By clicking your acceptance of these Terms of Use when registering or logging into your account on the Site, or by otherwise using or accessing the Site, or by otherwise using or accessing the Site, you are (i) certifying to BMW Financial Service NA, LLC and Manheim that you are an authorized representative of your representative of your dealership (“Dealership”), and that the authorizations and agreements below are being made in your representative capacity for and on behalf of your Dealership; (ii) agreeing that you and your Dealership will be bound by these Terms of Use, as updated from time to time; and (iii) agreeing that you have reviewed and understood the BMWGroupDirect.com Privacy Statement and the Manheim Privacy Policy located in the Manheim Marketplace Policies, as defined below.


These Terms of Use are legally binding, with the same legal effect as a signed, written agreement entered into with BMW Financial Services NA, LLC and Manheim.  In addition to these Terms of Use, and as manifested by clicking your acceptance when registering or by otherwise using or accessing the Site, you also acknowledge and agree to the Manheim Marketplace Policies, defined below, as amended from time to time, and that, in accessing and transacting on this Site, you are entering into a contractual relationship with Manheim as well as with BMW Financial Services NA, LLC.  The Manheim Marketplace Policies can be found at https://publish.manheim.com/en/marketplace-policies/us-policies.html (the “Manheim Marketplace Policies”).  Except as otherwise stated herein, the Manheim Marketplace Policies, including the Manheim Terms and Conditions, shall apply between you and Manheim, including but not limited to the arbitration, setoff, and limitation of liability terms therein. 


1.     Vehicle Purchases. Each Vehicle listed on the Site is owned and being offered for sale by BMW FS (either for its own account, or as service to Financial Services Vehicle Trust, or for the account of a BMWFS affiliate). Vehicles being sold in an auction (bidding environment) will be sold to the highest bidder, unless the Vehicle’s designated reserve price has not been met, in which case BMW FS reserves the right to end the auction and either relist the Vehicle or remove it from the Site entirely. By clicking on "Bid" or any similar button in any Vehicle listing, you are committing to purchase the listed Vehicle at the designated price in accordance with these Terms of Use. All purchases are final and any issues or disputes involving a Vehicle purchased on the Site will be resolved exclusively through the BMW FS arbitration process described below. BMW FS and Manheim Digital reserve the right to void or cancel any Vehicle purchase or other transaction that may take place on or through the Site.


2.      Dealer Account.  To obtain access to the services and features of the Site, each representative of Participant will first need to complete registration. As part of the registration process, you will be issued a unique username and password which you will use to access the Site. Manheim participates in the AuctionACCESS® registration system, which requires valid AuctionACCESS individual identification number and AuctionACCESS dealership identification number, which we will authenticate with AutoTec, LLC, the provider of the AuctionACCESS dealer registration system.  If you and your dealership are not registered with AuctionACCESS, you can register online at http://www.auctionaccess.com/auctionaccess/. If Manheim has reasonable grounds to suspect that information a representative provides as part of his registration is untrue, inaccurate, not current or incomplete, Manheim has the right to suspend or terminate the representative’s account and refuse any and all current or future use of the Site (or any portion thereof). Participant and its representatives are responsible for maintaining the confidentiality of passwords and account numbers, and Participant is responsible for all activities that occur under its account and the accounts of its representatives. If Participant discovers or suspects any unauthorized use of its account or any of its representatives’ accounts or any other breach of security, Participant will immediately notify the Customer Support Manager(bmwgroupdirectsupport@coxautoinc.com). Manheim Digital is not responsible for any loss or damage arising from Participant’s failure, or the failure of Participant’s representatives, to protect or to keep password or account information confidential.  The Dealership unconditionally guarantees all purchases and other transactions made or initiated using any Dealership account on the Site.


3.      Accuracy of Information. You certify that all registration and representative information you have provided to us, via AuctionACCESS and otherwise, is true, correct, and complete. You agree to promptly update your information via AuctionACCESS if there is any change to the information you have provided.


4.     Proxy Bidding. The Site may allow you to place automatic proxy bids, which allows you to specify in advance your "Max Bid" for a particular Vehicle. If you place a proxy bid on the Site, the system will automatically bid on the applicable Vehicle for you in the bidding increments indicated on the listing, up to your specified "Max Bid". You may also have the ability to place a "Match Reserve" proxy bid for a particular Vehicle where the system will automatically increase your final bid to match the designated reserve price for the Vehicle if you are the highest bidder, the reserve price has not been met, and your Max Bid is higher than the reserve price. Proxy bids are confidential and will not be known to other bidders Sometimes there may be multiple bids for a Vehicle in the same amount. In these cases, priority is given to the highest bid that is placed first, either by regular bid or by proxy bid.


5.     Vehicle Condition and History Reports. Vehicles listed on the Site may have been assigned an AutoGrade Condition Score based on the overall condition of the Vehicle and may also include a Carfax vehicle history report("VHR"). AutoGrade Condition Scores and VHRs are issued and provided by third parties. BMW FS and Manheim Digital make no representation, warranty or guaranty of any kind or nature regarding the accuracy or completeness of any AutoGrade condition score or VHR.  After purchasing a vehicle, it is your responsibility to thoroughly inspect and promptly document any missing equipment, undisclosed damage, or other issues inwriting by submitting an Arbitration Claim through the Site before taking possession of the vehicle.  BMW FS may not announce every vehicle as having been part of a National Highway Traffic and Safety Administration but makes every effort to repair such vehicles prior to listing them for sale on the Site. All buyers have a responsibility to confirm any DMV fees currently due prior to bidding as BMW FS will not cover outstanding fees owed. The Buyer or Buyer’s agent (transporter or driver) must document any damage on the gate release prior to removing the vehicle from the Auction or facilitation service provider’s location. Auction or facilitation service provider and Seller will not be responsible for any damage not identified on the gate release once the vehicle is removed from the location.


6.     Vehicle Arbitration. Any issues or disputes involving a Vehicle purchased on the Site will be resolved exclusively through the arbitration process established and administered by BMW FS (with the assistance and support of Manheim Digital).The NAAA Arbitration Policy is used by BMW FS as a general guideline for vehicle arbitrations. BMW FS reserves the right to establish its own arbitration process and policies and to make all arbitration decisions. BMW FS will not accept the arbitration case of any unit returned with more than100 additional miles than the odometer reading at the time of sale.


7.      Payments. Payment for each Vehicle you purchase is due on the date of sale in good funds and must include all applicable fees and other charges displayed on the Vehicle listing page or on the purchase confirmation from us, as applicable. Payments must be made to Manheim Digital or its designated payment facilitator either directly by the registered buyer or through a pre-established direct floorplanner acting on such buyer’s behalf. Although we reserve the right to make exceptions on a case-by-case basis, we generally will not accept other third-party payments. We may charge a late fee equal to 1% of any amount you owe that we do not receive in full, on time, and otherwise in accordance with these Terms of Use, provided that no late fee will be less than $5 or more than$150.  Our right to charge a late fee is in addition to, and not in limitation of, any other rights we or our affiliates may have. Payments must be made by ACH, by wire transfer, or by using an approved floorplan line of credit with sufficient availability to cover the full payment amount.  You agree that, if any electronic debit or check/draft we (or our designated payment facilitator) present on your bank account is returned unpaid, we may debit your account for a returned item fee in the maximum amount permitted under applicable state law and any payments association rules that govern the transaction. Any returned item fee we impose is in addition to any late fee you incur and any returned item fee your Dealership’s bank may impose. We reserve the right to suspend your account or buying privileges on the Site in the event of any returned or rejected payment or electronic debit request, or otherwise in our discretion. We reserve the right to change the forms and types of payments we accept in our sole discretion. Buyers making payment via a floorplan line of credit that requires manual processing may also be charged an administrative fee of up to $50 per Vehicle as compensation to Manheim Digital for costs it incurs in processing such payments. 


8.      Electronic Payment Authorization.  If you have elected to pay for Vehicles you purchase on the Site by automated electronic transfer from your Dealership’s bank account, Manheim Digital (or its designated payment facilitator) will attempt to debit the amounts owed for each Vehicle from the designated bank account in accordance with such authorization and these Terms of Use. Additionally, you agree that, if you designate a bank account for payment of amounts you owe us, including, but not limited to, by adding a bank account to your online profile, we may use such account information to initiate electronic debit entries to your bank account, including debit entries for amounts you owe us from time to time as such amounts become due, credit entries for amounts we owe you, and debit or credit entries in any amount necessary to correct an error. You understand that, other than account information we routinely make available to you online, we will not provide any notice to you prior to initiating entries and that you are responsible for ensuring that your account balance is sufficient to cover debits for amounts you owe us. You agree that any authorizations we initiate to your bank account must comply with applicable law and applicable payments association rules, including the NACHA Operating Rules. This authorization is in addition to, and does not terminate or alter, any other authorization for electronic payments that we have on file or that you provide us in the future.


9.      Transfer of Title.  Title to a Vehicle will only pass to the buyer once Manheim Digital (or its designated payment facilitator) has received payment in full, in good funds, and otherwise in accordance with these Terms of Use. We retain a security interest in each such Vehicle in the interim to secure payment.


10.   Electronic Dealing Approval. You hereby acknowledge and agree that your use of the Site requires you and us to transact business with each other electronically.  You further acknowledge and agree that you are consenting to these Terms of Use both in your individual capacity and in your capacity as an authorized representative for Dealership and that your consent to this document shall be deemed to satisfy all requirements imposed on electronic or digital signatures or consents under applicable federal, provincial, and state law, including, as applicable, the Electronic Signatures in Global and National Commerce Act (the “E-Sign Act”),15 U.S.C. § 7001et seq., the Ontario Electronic Commerce Act, 2000 SO c.17, state or provincial electronic transactions or commerce laws, and any other similar laws relating to the validity or enforceability of electronic or digital signatures or consents.


11.  Electronic Signatures.  You acknowledge and agree that you and we may, from time to time, find it expedient to use electronic signature(s), acknowledgement(s),consent(s), “click-through(s)”, or other approval(s), direct or indirect, for access to auctions, bills of sale, receipts, titles, and other documents or disclosures necessary or incidental to the transaction of business on the Site, whether online, in emails, or otherwise, which allows your business with us easier, faster, or more efficient. To that end, you agree that any such forms of approval from you shall be effective and binding upon you, in the same manner as a handwritten signature, where circumstances indicate your intent to be bound and/or we choose to rely on such approval(s). You further acknowledge and agree that we may affix to any printed or electronic copy of such documents, including these Terms of Use, your electronic or digital signature in the form we choose, which shall for all purposes also be deemed your valid signature and acceptance. Regardless of whether your advance consent or approval was given, or in what form, you agree that you will be deemed to have ratified any transaction with or through us that you do not dispute in writing within 24 hours of confirmation by us.


12.  Vehicle Transportation; Risk of Loss. You are responsible for the transportation of any Vehicle purchased on the Site. Vehicles must be picked up by the Dealership or its designated transport agent or other representative by no later than the sixth (6th) day following the date of sale (the "Vehicle Pick Up Deadline"). If a Vehicle is not picked up by such date, Manheim Digital reserves the right to (a) cancel the transaction; (b) arrange for the transport and delivery of the Vehicle using a carrier of Manheim Digital’s choosing (at the Dealership’s expense);(c) suspend your account or buying privileges on the Site; and/or (d) assess the Dealership a daily storage fee for the Vehicle, not to exceed $25.00 per day. Responsibility and risk of loss for a Vehicle will pass to the buyer at the earlier of (i) such time as the buyer or its transport agent or other representative takes possession or control of the Vehicle, or (ii) the Vehicle Pick Up Deadline. The buyer and its transport agent are responsible and liable for any damages and other liabilities that may arise during or in connection with the transport or delivery of a Vehicle (“Transportation Claim”), regardless of whether Manheim Digital may have provided assistance or support in arranging for the transport or delivery of the Vehicle.  You acknowledge and agree that your only recourse or remedy for Transportation Claims, if any, shall be to and against the third-party carrier, its insurer, your own insurer, or the third-party that caused the alleged damage, and not to, against, or involving us.  You must present your gate release documentation when picking up your Vehicle from the auction or the Bill of Sale from a dealership location.


13.  Off-Site Dealership Vehicles.  For any vehicle(s) physically located away from an auction facility when auctioned on the Site, the buyer must present to the off-site grounding dealership, or other storage facility, the proper gate release documentation issued by BMW FS and/or Manheim Digital (e.g., the Bill of Sale). It is the responsibility of the off-site grounding Dealership or storage facility, acting as agent for BMW FS, to verify the authenticity of the buyer’s Bill of Sale documentation before releasing the Vehicle(s) by comparing it to the Bill of Sale documentation provided directly to the off-site dealership by BMW FS and/or Manheim Digital. The off-site grounding Dealership should contact Manheim Digital if they have any doubts about the legitimacy of the transportation service picking up the vehicle.


14.  Buyer/Dealership Acknowledgments. You acknowledge and agree that Manheim Digital is merely performing a service on behalf of BMW FS, and that Manheim Digital makes no representation, warranty or guaranty of any kind of nature with respect to any Vehicle (including any odometer reading or any related odometer statement or certification) or any transaction that takes place on or through the Site, or regarding the availability or functionality of the Site (and all such representations, warranties and guaranties are expressly disclaimed by Manheim Digital). You further acknowledge and agree that BMW FS and Manheim Digital retain the right to cease doing business with you (or any of your agents or representatives) or with any other dealer at any time and for any reason, and may discontinue the Site or your ability to purchase Vehicles or continuing using the Site at any time and for any reason. By purchasing a Vehicle on the Site, you are certifying to BMW FS and Manheim Digital that the Vehicle is being purchased for resale in the ordinary course of your business, and that you hold all necessary federal, state and provincial, as applicable, sales tax exemption certificates and similar documents required by the governing laws of your jurisdiction.


15.  Indemnification; Limitations of Liability. You agree to indemnify and hold harmless BMW FS, Manheim Digital and their respective affiliates and the shareholders, members, directors, officers, employees and representatives of each of the foregoing, from and against any and all claims, judgments, damages, penalties, losses, expenses (including reasonable legal fees) and other liabilities that arise out of or relate to (a) your use of the Site; (b) any Vehicle purchase or other transaction that you may initiate or be involved with on the Site; (c) any use or subsequent sale of a Vehicle that you have purchased on the Site after you or your transport agent or other representative has taken possession of the Vehicle; or (d) your breach or violation of any of these Terms of Use. Under no circumstances will BMW FS or Manheim Digital be liable to you or any other person for any damages or losses arising out of your use of or reliance on the site or any content available on or through the site.


16.  Updates and Modifications. We may update or modify these Terms of Use from time to time by posting an updated or modified version of the Terms of Use to the Site. It is your responsibility to regularly check and monitor the Site for any updates or modifications to the Terms of Use. By continuing to use or access the Site following the posting of any updates or modifications to the Terms of Use, you agree to be bound by such updates or modifications.


17.   Prohibited Uses.  You may use the Site for only lawful purposes and in accordance with these Terms of Use. You agree not to (a) use the Site in any manner that could disable, overburden, damage, or impair the Site, or interfere with any other party’s use of the Site, including their ability to engage in real time activities through the Site; (b) use any automated means or process (including any robot, spider or other automatic device) to monitor, copy collect or index any information contained on the Site and/or to interact with the Site’s functionality for any purpose, including, but not limited to, bidding, buying, or setting up accounts; (c) use any device, software or routine that interferes with the proper working of the Site; (d) use the Site to gather email addresses for purposes of spamming; (e) introduce any viruses, trojan horses, worms, logic bombs or other material which is malicious or technologically harmful;(f)attempt to gain unauthorized access to, interfere with, damage or disrupt any parts of the Site, the server on which the Site is stored, or any server, computer or database connected to the Site; (g) attack the Site via a denial-of-service attack or a distributed denial-of-service attack; or (h) otherwise attempt to interfere with the proper working of the Site. We reserve the right to deny access to the Site, or any service or feature provided thereunder to anyone who violates these Terms of Use or who, in our judgment, interferes with the ability of others to enjoy the Site, or infringes the rights of others, or otherwise.


18.  Miscellaneous. These Terms of Use will be governed and construed in accordance with the internal laws of the State of Georgia. Any dispute that you may have against Manheim Digital, BMW FS or any of their respective affiliates arising from your use of the Site or any transaction that may take place on or through the Site, shall be subject to the exclusive jurisdiction of the federal and state courts located in Fulton County, Georgia. BMW FS and Manheim Digital are direct beneficiaries of these Terms of Use and shall have the right to enforce these Terms of Use either independently or collectively. These Terms of Use, together with the BMWGroupDirect.com Privacy Statement, represent the entire agreement between you and BMW FS and Manheim Digital regarding the subject matter hereof. 


        ©2026 BMW Financial Services NA, LLC. MINI Financial Services is o division of BMW Financial Services NA, LLC.



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©2026 BMW Financial Services NA, LLC. MINI Financial Services is a division of BMW Financial Services NA, LLC.

Terms And Conditions - Updated April 2026

UPDATED TERMS AND CONDITIONS

Last modified:  4/15/2026

The BMWGroupDirect.com website (the "Site") is provided by BMW Financial Services NA, LLC ("BMW FS") through its third-party service provider, Manheim Digital. These Terms of Use will govern your use of the Site and any Vehicle purchase or other transaction that may take place on or through the Site. As used in these Terms of Use, "you" or "your" refers to you as a user of the Site and your Dealership (as defined below), and "buyer" refers to you and any other purchaser of a vehicle listed on the Site (each, a "Vehicle").

By clicking your acceptance of these Terms of Use when registering or logging into your account on the Site, or by otherwise using or accessing the Site, or by otherwise using or accessing the Site, you are (i) certifying to BMW Financial Service NA, LLC and Manheim that you are an authorized representative of your representative of your dealership (“Dealership”), and that the authorizations and agreements below are being made in your representative capacity for and on behalf of your Dealership; (ii) agreeing that you and your Dealership will be bound by these Terms of Use, as updated from time to time; and (iii) agreeing that you have reviewed and understood the BMWGroupDirect.com Privacy Statement and the Manheim Privacy Policy located in the Manheim Marketplace Policies, as defined below.


These Terms of Use are legally binding, with the same legal effect as a signed, written agreement entered into with BMW Financial Services NA, LLC and Manheim.  In addition to these Terms of Use, and as manifested by clicking your acceptance when registering or by otherwise using or accessing the Site, you also acknowledge and agree to the Manheim Marketplace Policies, defined below, as amended from time to time, and that, in accessing and transacting on this Site, you are entering into a contractual relationship with Manheim as well as with BMW Financial Services NA, LLC.  The Manheim Marketplace Policies can be found at https://publish.manheim.com/en/marketplace-policies/us-policies.html (the “Manheim Marketplace Policies”).  Except as otherwise stated herein, the Manheim Marketplace Policies, including the Manheim Terms and Conditions, shall apply between you and Manheim, including but not limited to the arbitration, setoff, and limitation of liability terms therein. 


1.     Vehicle Purchases. Each Vehicle listed on the Site is owned and being offered for sale by BMW FS (either for its own account, or as service to Financial Services Vehicle Trust, or for the account of a BMWFS affiliate). Vehicles being sold in an auction (bidding environment) will be sold to the highest bidder, unless the Vehicle’s designated reserve price has not been met, in which case BMW FS reserves the right to end the auction and either relist the Vehicle or remove it from the Site entirely. By clicking on "Bid" or any similar button in any Vehicle listing, you are committing to purchase the listed Vehicle at the designated price in accordance with these Terms of Use. All purchases are final and any issues or disputes involving a Vehicle purchased on the Site will be resolved exclusively through the BMW FS arbitration process described below. BMW FS and Manheim Digital reserve the right to void or cancel any Vehicle purchase or other transaction that may take place on or through the Site.


2.      Dealer Account.  To obtain access to the services and features of the Site, each representative of Participant will first need to complete registration. As part of the registration process, you will be issued a unique username and password which you will use to access the Site. Manheim participates in the AuctionACCESS® registration system, which requires valid AuctionACCESS individual identification number and AuctionACCESS dealership identification number, which we will authenticate with AutoTec, LLC, the provider of the AuctionACCESS dealer registration system.  If you and your dealership are not registered with AuctionACCESS, you can register online at http://www.auctionaccess.com/auctionaccess/. If Manheim has reasonable grounds to suspect that information a representative provides as part of his registration is untrue, inaccurate, not current or incomplete, Manheim has the right to suspend or terminate the representative’s account and refuse any and all current or future use of the Site (or any portion thereof). Participant and its representatives are responsible for maintaining the confidentiality of passwords and account numbers, and Participant is responsible for all activities that occur under its account and the accounts of its representatives. If Participant discovers or suspects any unauthorized use of its account or any of its representatives’ accounts or any other breach of security, Participant will immediately notify the Customer Support Manager(bmwgroupdirectsupport@coxautoinc.com). Manheim Digital is not responsible for any loss or damage arising from Participant’s failure, or the failure of Participant’s representatives, to protect or to keep password or account information confidential.  The Dealership unconditionally guarantees all purchases and other transactions made or initiated using any Dealership account on the Site.


3.      Accuracy of Information. You certify that all registration and representative information you have provided to us, via AuctionACCESS and otherwise, is true, correct, and complete. You agree to promptly update your information via AuctionACCESS if there is any change to the information you have provided.


4.     Proxy Bidding. The Site may allow you to place automatic proxy bids, which allows you to specify in advance your "Max Bid" for a particular Vehicle. If you place a proxy bid on the Site, the system will automatically bid on the applicable Vehicle for you in the bidding increments indicated on the listing, up to your specified "Max Bid". You may also have the ability to place a "Match Reserve" proxy bid for a particular Vehicle where the system will automatically increase your final bid to match the designated reserve price for the Vehicle if you are the highest bidder, the reserve price has not been met, and your Max Bid is higher than the reserve price. Proxy bids are confidential and will not be known to other bidders Sometimes there may be multiple bids for a Vehicle in the same amount. In these cases, priority is given to the highest bid that is placed first, either by regular bid or by proxy bid.


5.     Vehicle Condition and History Reports. Vehicles listed on the Site may have been assigned an AutoGrade Condition Score based on the overall condition of the Vehicle and may also include a Carfax vehicle history report("VHR"). AutoGrade Condition Scores and VHRs are issued and provided by third parties. BMW FS and Manheim Digital make no representation, warranty or guaranty of any kind or nature regarding the accuracy or completeness of any AutoGrade condition score or VHR.  After purchasing a vehicle, it is your responsibility to thoroughly inspect and promptly document any missing equipment, undisclosed damage, or other issues inwriting by submitting an Arbitration Claim through the Site before taking possession of the vehicle.  BMW FS may not announce every vehicle as having been part of a National Highway Traffic and Safety Administration but makes every effort to repair such vehicles prior to listing them for sale on the Site. All buyers have a responsibility to confirm any DMV fees currently due prior to bidding as BMW FS will not cover outstanding fees owed. The Buyer or Buyer’s agent (transporter or driver) must document any damage on the gate release prior to removing the vehicle from the Auction or facilitation service provider’s location. Auction or facilitation service provider and Seller will not be responsible for any damage not identified on the gate release once the vehicle is removed from the location.


6.     Vehicle Arbitration. Any issues or disputes involving a Vehicle purchased on the Site will be resolved exclusively through the arbitration process established and administered by BMW FS (with the assistance and support of Manheim Digital).The NAAA Arbitration Policy is used by BMW FS as a general guideline for vehicle arbitrations. BMW FS reserves the right to establish its own arbitration process and policies and to make all arbitration decisions. BMW FS will not accept the arbitration case of any unit returned with more than100 additional miles than the odometer reading at the time of sale.


7.      Payments. Payment for each Vehicle you purchase is due on the date of sale in good funds and must include all applicable fees and other charges displayed on the Vehicle listing page or on the purchase confirmation from us, as applicable. Payments must be made to Manheim Digital or its designated payment facilitator either directly by the registered buyer or through a pre-established direct floorplanner acting on such buyer’s behalf. Although we reserve the right to make exceptions on a case-by-case basis, we generally will not accept other third-party payments. We may charge a late fee equal to 1% of any amount you owe that we do not receive in full, on time, and otherwise in accordance with these Terms of Use, provided that no late fee will be less than $5 or more than$150.  Our right to charge a late fee is in addition to, and not in limitation of, any other rights we or our affiliates may have. Payments must be made by ACH, by wire transfer, or by using an approved floorplan line of credit with sufficient availability to cover the full payment amount.  You agree that, if any electronic debit or check/draft we (or our designated payment facilitator) present on your bank account is returned unpaid, we may debit your account for a returned item fee in the maximum amount permitted under applicable state law and any payments association rules that govern the transaction. Any returned item fee we impose is in addition to any late fee you incur and any returned item fee your Dealership’s bank may impose. We reserve the right to suspend your account or buying privileges on the Site in the event of any returned or rejected payment or electronic debit request, or otherwise in our discretion. We reserve the right to change the forms and types of payments we accept in our sole discretion. Buyers making payment via a floorplan line of credit that requires manual processing may also be charged an administrative fee of up to $50 per Vehicle as compensation to Manheim Digital for costs it incurs in processing such payments. 


8.      Electronic Payment Authorization.  If you have elected to pay for Vehicles you purchase on the Site by automated electronic transfer from your Dealership’s bank account, Manheim Digital (or its designated payment facilitator) will attempt to debit the amounts owed for each Vehicle from the designated bank account in accordance with such authorization and these Terms of Use. Additionally, you agree that, if you designate a bank account for payment of amounts you owe us, including, but not limited to, by adding a bank account to your online profile, we may use such account information to initiate electronic debit entries to your bank account, including debit entries for amounts you owe us from time to time as such amounts become due, credit entries for amounts we owe you, and debit or credit entries in any amount necessary to correct an error. You understand that, other than account information we routinely make available to you online, we will not provide any notice to you prior to initiating entries and that you are responsible for ensuring that your account balance is sufficient to cover debits for amounts you owe us. You agree that any authorizations we initiate to your bank account must comply with applicable law and applicable payments association rules, including the NACHA Operating Rules. This authorization is in addition to, and does not terminate or alter, any other authorization for electronic payments that we have on file or that you provide us in the future.


9.      Transfer of Title.  Title to a Vehicle will only pass to the buyer once Manheim Digital (or its designated payment facilitator) has received payment in full, in good funds, and otherwise in accordance with these Terms of Use. We retain a security interest in each such Vehicle in the interim to secure payment.


10.   Electronic Dealing Approval. You hereby acknowledge and agree that your use of the Site requires you and us to transact business with each other electronically.  You further acknowledge and agree that you are consenting to these Terms of Use both in your individual capacity and in your capacity as an authorized representative for Dealership and that your consent to this document shall be deemed to satisfy all requirements imposed on electronic or digital signatures or consents under applicable federal, provincial, and state law, including, as applicable, the Electronic Signatures in Global and National Commerce Act (the “E-Sign Act”),15 U.S.C. § 7001et seq., the Ontario Electronic Commerce Act, 2000 SO c.17, state or provincial electronic transactions or commerce laws, and any other similar laws relating to the validity or enforceability of electronic or digital signatures or consents.


11.  Electronic Signatures.  You acknowledge and agree that you and we may, from time to time, find it expedient to use electronic signature(s), acknowledgement(s),consent(s), “click-through(s)”, or other approval(s), direct or indirect, for access to auctions, bills of sale, receipts, titles, and other documents or disclosures necessary or incidental to the transaction of business on the Site, whether online, in emails, or otherwise, which allows your business with us easier, faster, or more efficient. To that end, you agree that any such forms of approval from you shall be effective and binding upon you, in the same manner as a handwritten signature, where circumstances indicate your intent to be bound and/or we choose to rely on such approval(s). You further acknowledge and agree that we may affix to any printed or electronic copy of such documents, including these Terms of Use, your electronic or digital signature in the form we choose, which shall for all purposes also be deemed your valid signature and acceptance. Regardless of whether your advance consent or approval was given, or in what form, you agree that you will be deemed to have ratified any transaction with or through us that you do not dispute in writing within 24 hours of confirmation by us.


12.  Vehicle Transportation; Risk of Loss. You are responsible for the transportation of any Vehicle purchased on the Site. Vehicles must be picked up by the Dealership or its designated transport agent or other representative by no later than the sixth (6th) day following the date of sale (the "Vehicle Pick Up Deadline"). If a Vehicle is not picked up by such date, Manheim Digital reserves the right to (a) cancel the transaction; (b) arrange for the transport and delivery of the Vehicle using a carrier of Manheim Digital’s choosing (at the Dealership’s expense);(c) suspend your account or buying privileges on the Site; and/or (d) assess the Dealership a daily storage fee for the Vehicle, not to exceed $25.00 per day. Responsibility and risk of loss for a Vehicle will pass to the buyer at the earlier of (i) such time as the buyer or its transport agent or other representative takes possession or control of the Vehicle, or (ii) the Vehicle Pick Up Deadline. The buyer and its transport agent are responsible and liable for any damages and other liabilities that may arise during or in connection with the transport or delivery of a Vehicle (“Transportation Claim”), regardless of whether Manheim Digital may have provided assistance or support in arranging for the transport or delivery of the Vehicle.  You acknowledge and agree that your only recourse or remedy for Transportation Claims, if any, shall be to and against the third-party carrier, its insurer, your own insurer, or the third-party that caused the alleged damage, and not to, against, or involving us.  You must present your gate release documentation when picking up your Vehicle from the auction or the Bill of Sale from a dealership location.


13.  Off-Site Dealership Vehicles.  For any vehicle(s) physically located away from an auction facility when auctioned on the Site, the buyer must present to the off-site grounding dealership, or other storage facility, the proper gate release documentation issued by BMW FS and/or Manheim Digital (e.g., the Bill of Sale). It is the responsibility of the off-site grounding Dealership or storage facility, acting as agent for BMW FS, to verify the authenticity of the buyer’s Bill of Sale documentation before releasing the Vehicle(s) by comparing it to the Bill of Sale documentation provided directly to the off-site dealership by BMW FS and/or Manheim Digital. The off-site grounding Dealership should contact Manheim Digital if they have any doubts about the legitimacy of the transportation service picking up the vehicle.


14.  Buyer/Dealership Acknowledgments. You acknowledge and agree that Manheim Digital is merely performing a service on behalf of BMW FS, and that Manheim Digital makes no representation, warranty or guaranty of any kind of nature with respect to any Vehicle (including any odometer reading or any related odometer statement or certification) or any transaction that takes place on or through the Site, or regarding the availability or functionality of the Site (and all such representations, warranties and guaranties are expressly disclaimed by Manheim Digital). You further acknowledge and agree that BMW FS and Manheim Digital retain the right to cease doing business with you (or any of your agents or representatives) or with any other dealer at any time and for any reason, and may discontinue the Site or your ability to purchase Vehicles or continuing using the Site at any time and for any reason. By purchasing a Vehicle on the Site, you are certifying to BMW FS and Manheim Digital that the Vehicle is being purchased for resale in the ordinary course of your business, and that you hold all necessary federal, state and provincial, as applicable, sales tax exemption certificates and similar documents required by the governing laws of your jurisdiction.


15.  Indemnification; Limitations of Liability. You agree to indemnify and hold harmless BMW FS, Manheim Digital and their respective affiliates and the shareholders, members, directors, officers, employees and representatives of each of the foregoing, from and against any and all claims, judgments, damages, penalties, losses, expenses (including reasonable legal fees) and other liabilities that arise out of or relate to (a) your use of the Site; (b) any Vehicle purchase or other transaction that you may initiate or be involved with on the Site; (c) any use or subsequent sale of a Vehicle that you have purchased on the Site after you or your transport agent or other representative has taken possession of the Vehicle; or (d) your breach or violation of any of these Terms of Use. Under no circumstances will BMW FS or Manheim Digital be liable to you or any other person for any damages or losses arising out of your use of or reliance on the site or any content available on or through the site.


16.  Updates and Modifications. We may update or modify these Terms of Use from time to time by posting an updated or modified version of the Terms of Use to the Site. It is your responsibility to regularly check and monitor the Site for any updates or modifications to the Terms of Use. By continuing to use or access the Site following the posting of any updates or modifications to the Terms of Use, you agree to be bound by such updates or modifications.


17.   Prohibited Uses.  You may use the Site for only lawful purposes and in accordance with these Terms of Use. You agree not to (a) use the Site in any manner that could disable, overburden, damage, or impair the Site, or interfere with any other party’s use of the Site, including their ability to engage in real time activities through the Site; (b) use any automated means or process (including any robot, spider or other automatic device) to monitor, copy collect or index any information contained on the Site and/or to interact with the Site’s functionality for any purpose, including, but not limited to, bidding, buying, or setting up accounts; (c) use any device, software or routine that interferes with the proper working of the Site; (d) use the Site to gather email addresses for purposes of spamming; (e) introduce any viruses, trojan horses, worms, logic bombs or other material which is malicious or technologically harmful;(f)attempt to gain unauthorized access to, interfere with, damage or disrupt any parts of the Site, the server on which the Site is stored, or any server, computer or database connected to the Site; (g) attack the Site via a denial-of-service attack or a distributed denial-of-service attack; or (h) otherwise attempt to interfere with the proper working of the Site. We reserve the right to deny access to the Site, or any service or feature provided thereunder to anyone who violates these Terms of Use or who, in our judgment, interferes with the ability of others to enjoy the Site, or infringes the rights of others, or otherwise.


18.  Miscellaneous. These Terms of Use will be governed and construed in accordance with the internal laws of the State of Georgia. Any dispute that you may have against Manheim Digital, BMW FS or any of their respective affiliates arising from your use of the Site or any transaction that may take place on or through the Site, shall be subject to the exclusive jurisdiction of the federal and state courts located in Fulton County, Georgia. BMW FS and Manheim Digital are direct beneficiaries of these Terms of Use and shall have the right to enforce these Terms of Use either independently or collectively. These Terms of Use, together with the BMWGroupDirect.com Privacy Statement, represent the entire agreement between you and BMW FS and Manheim Digital regarding the subject matter hereof. 


        ©2026 BMW Financial Services NA, LLC. MINI Financial Services is o division of BMW Financial Services NA, LLC.


 
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