The terms "you," "your," and "yours" refer to each applicant. "We," "us," "our," and "ours" denote the dealer and finance company. By submitting this credit application, you assert that all provided information is accurate. You grant authorization for employment and income verification, accessing credit bureaus, and obtaining data from various sources. This includes submitting the application to disclosed finance companies and allowing them to share it with others for credit evaluation. Periodic consumer credit report checks may occur in connection with the proposed transaction. The dealer retains the application regardless of approval status.