Save first. Pay $99 only after The Real Deal™ shows you saved at least $1,000.

Pay After You Save terms

1. Pay-After Agreement

You get The Informed Car Buyer™ course and The Real Deal™ when you sign up, with no card and no payment. If you buy a vehicle within 1 year of signing up and The Real Deal™ shows "Congratulations, you're a great negotiator, you saved $X" with $X of at least $1,000, you agree to pay $99, one time, using the Pay $99 button The Real Deal™ shows you at that moment. When you finalize a deal in The Real Deal™ that shows at least $1,000 saved, The Real Deal™ asks you, right then, for your feedback and the $99, on a secure checkout page. If it shows less than $1,000, or you lease, or you don't buy, nothing is charged. You must be 18 or older to agree.

This is an honor agreement. We will never send it to collections, sue, report it to a credit bureau, or add fees.

Anyone who already signed up keeps the Pay-After Agreement they accepted.

2. How your savings are measured

The Real Deal™ breaks the deal into separate items, one line each, and adds them up when you tap "Finalize this deal." Every line starts with an asking price:

• the dealer's first written price for that item, or a private seller's listing price for the vehicle; or
• if there is no written asking price for an item, the benchmark price for that item from The Real Deal™ price list, and the line says so.

Your savings on a line are its asking price minus the price you paid. When you lock in a better number partway through, that number becomes the current price and later rounds are measured from it, so a line's savings are always its original asking price minus your final price. Your total is the net sum of the lines:

1. Vehicle price.
2. Each dealer add-on or fee (for example window tint or a prep fee). An item you dropped or canceled counts at its asking price.
3. Each finance office product (for example an extended warranty, GAP, or paint and clear-coat protection), itemized and priced on its own line. A product you dropped or canceled counts at its asking price.
4. Trade-in: your final trade-in value minus the dealer's first written trade-in offer, for the same trade vehicle. The interest you save because a higher trade-in leaves a smaller loan is counted too, on the interest line "Interest you avoid because you borrow less" below.
5. Each extra you won in the negotiation (for example 5 oil changes): the quantity times the dealer's posted or quoted price, as written on your paperwork.
6. Interest, in two lines, both measured at your first offer's down payment and loan length:
   • Interest rate: the total interest dollars you save because your final rate is lower than the first written rate.
   • Interest you avoid because you borrow less: the total interest dollars you save, at the first written rate, because a lower price, fewer add-ons, or a better trade-in leaves less to finance.
   A bigger down payment or a different loan length is your money moved, not savings, so it is never counted, and a longer loan with a smaller monthly payment never counts as savings.

Purchases only, for now. The Real Deal™ measures vehicle purchases, paid in cash or financed. Leases are not covered for now.

Each line records where its asking price came from (dealer document, seller listing, or benchmark price list) and its date (the date of the written price, or the date the benchmark list was checked), and so does the printable record of your finalized deal.

• Asking price means the first price a dealer gave you in writing (on paper, by email, or by text) for that item, after you got the program, or a private seller's listing price for the vehicle.
• Final signed deal means the numbers on your signed purchase agreement and loan disclosure for that same vehicle.
• Benchmark means a typical price for an item from The Real Deal™ price list. It is shown for reference and is used as the asking price only when there is no written asking price.
• Same vehicle: the same car, or the same year, make, model, and trim, from the same dealer.
• Sales tax, title, and registration fees are not counted.
• If a line ends above its asking price (for example a higher add-on price or a lower trade-in value than first offered), its savings are negative and it lowers your net total.
• Benchmark prices currently come from published 2026 dealer price research (DealPrepare, checked November 3, 2026). We may replace them with our own price list. The printable record of your finalized deal shows which price list was used.

3. How paying works

• The same $99 for everyone. It never depends on the vehicle, its price, or how much you save. You pay $99 only if your own numbers in The Real Deal™ show you saved at least $1,000. That is less than 10% of the minimum savings.
• One payment of $99. No interest, no fees, no installments, no subscription.
• We never take or store your card at sign-up and never charge you automatically. You pay only by tapping Pay $99 in The Real Deal™, on a secure checkout page.
• When you finalize a deal in The Real Deal™ that shows at least $1,000 saved, The Real Deal™ asks you, right then, for your feedback and the $99, on a secure checkout page. We ask once, in The Real Deal™. That's all.
• If anything about your savings total looks wrong, contact us and we'll review it with you.

4. What we receive

We never see your paperwork or contact your dealer.

5. What this does not promise

The course teaches negotiation methods. Results depend on the dealer, the vehicle, the market, and how you use the methods. We don't promise any particular price or amount of savings.

The Informed Car Buyer is an education course and a self-serve calculator. It does not give legal, financial or individual buying advice, does not negotiate for you, and does not represent you, the dealer or the lender. Results depend on the numbers you enter and the choices you make.

To the fullest extent the law allows, our total liability for any claim about the course or The Real Deal is limited to the amount you paid us. Some laws do not allow this limit, and it does not apply where the law says it cannot.

Tell us first and we'll try to fix it within 30 days. Any dispute will be handled in small claims court in Clark County, Nevada. There is no arbitration. Nevada law governs.

6. Reviews and testimonials

• Some people who share their results got the course free during November 2026. Their testimonials are labeled "Received the course free."
• Testimonials show individual results.
• You're always free to post an honest review of any kind. We never restrict or punish negative reviews.

7. Who we are

Sold by Greg Jacobson, doing business as The Informed Car Buyer, Las Vegas, Nevada. We are not a car dealer. We never arrange or negotiate a purchase for you, never contact your dealer, and are not paid by any dealer or lender. Contact: Contact.

The course includes insights from a longtime dealership finance manager, who stays anonymous.