A legal disclaimer

Effective Date: May 2, 2025

Welcome to CostPlusRefi. By accessing or using our website, www.costplusrefi.com, our services (including auto refinancing, vehicle service contracts, and GAP coverage), or any content (collectively, "Services"), you agree to be bound by these Terms and Conditions ("Terms"). Please read them carefully. If you do not agree, please do not use our website or Services.

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Use of Website

This website is intended for users who are 18 years or older and interested in learning about or applying for auto refinancing services. You agree to use our website and Services only for lawful purposes and not to misuse, disrupt, or attempt to gain unauthorized access to our website, systems, or Services. To access certain Services, you may need to create an account. You are responsible for maintaining the confidentiality of your account credentials and for all activities under your account. Notify us immediately at support@costplusrefi.com if you suspect unauthorized use. You agree not to use our Services for illegal purposes, interfere with our website’s functionality, or misrepresent your identity.

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Accuracy of Information

We strive to ensure that all information on our website is accurate and up-to-date. However, CostPlusRefi does not guarantee that all content is complete, current, or error-free. We reserve the right to modify content, offerings, or Services at any time without prior notice.

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No Financial Advice

Content on our website, including information about auto refinancing, vehicle service contracts, and GAP coverage, is provided for informational purposes only and does not constitute financial, legal, or tax advice. You should consult a qualified advisor before making financial decisions.

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Third-Party Links and Partners

Our website may contain links to third-party websites or information provided by our lending partners or service providers. CostPlusRefi is not responsible for the accuracy, content, security, or practices of third-party sites or partners. We encourage you to review their terms and policies before engaging with them.

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Privacy and Data Use

Your use of our website and Services is governed by our , which details how we collect, store, use, and protect your personal information. By using our Services, you consent to the data practices outlined in the Privacy Policy.

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Services and Transactions

CostPlusRefi offers auto refinancing solutions and related financial products. Specific terms, including pricing and conditions, will be provided in separate agreements or disclosures at the time of application or purchase. We strive to provide competitive rates and quality Services but do not guarantee specific outcomes, such as loan approval or savings, as these depend on factors like creditworthiness and lender criteria.

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Intellectual Property

All content on our website, including text, images, logos, and software, is owned by or licensed to CostPlusRefi and is protected by copyright, trademark, and other laws. You may not copy, modify, distribute, or reproduce any content without our prior written consent.

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Limitation of Liability

To the fullest extent permitted by law, CostPlusRefi, its affiliates, and their respective officers, directors, employees, or agents will not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of our website or Services, including but not limited to loss of data, profits, or business opportunities. Our Services are provided "as is" without warranties of any kind, express or implied, including warranties of merchantability, fitness for a particular purpose, or non-infringement.

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Indemnification

You agree to indemnify and hold harmless CostPlusRefi, its affiliates, and their respective officers, directors, employees, and agents from any claims, liabilities, damages, or expenses (including reasonable attorneys’ fees) arising from your use of our Services, violation of these Terms, or infringement of any third-party rights.

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Termination

We may suspend or terminate your access to our website or Services at our sole discretion, with or without notice, if you violate these Terms or for any other reason. You may stop using our Services at any time.

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Governing Law and Dispute Resolution

These Terms are governed by the laws of the State of [Insert State, e.g., Delaware], without regard to its conflict of law principles. Any disputes arising from these Terms or your use of our Services will be resolved through binding arbitration in [Insert City, e.g., Wilmington, Delaware], under the rules of the American Arbitration Association. You waive the right to participate in class actions or class-wide arbitration.

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Changes to These Terms

We may update these Terms from time to time to reflect changes in our Services or legal requirements. Changes will be posted on our website with a revised “Effective Date.” Your continued use of our website or Services after changes are posted constitutes your acceptance of the updated Terms.

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Contact Us

If you have questions or concerns about these Terms, please contact us:

• Email: support@costplusrefi.com