Terms & Conditions

1 Acceptance of Terms

These Terms & Conditions constitute a legally binding agreement between you ("User," "you," or "your") and this independent consultancy support service ("we," "us," or "our"). They govern your use of this website and any guidance services provided by us.

Your acceptance of these Terms is indicated by any of the following actions:

• Visiting or browsing this website
• Calling our support phone line
• Submitting any form or inquiry through this website
• Using any part of our guidance services

If you are using this service on behalf of another person or entity, you represent that you have the authority to bind that person or entity to these Terms.

2 Description of Services

We operate as an independent consultancy support service. Our services are limited to providing general guidance and informational support to individuals who need assistance with:

• Service appointment booking guidance: Helping users understand how to find appropriate service centers, identify what type of vehicle service may be needed, and navigate the process of booking a service appointment.
• Auto finance payment guidance: Helping users understand their auto finance payment options, locate where to make payments, and make sense of billing or account information.

All information provided through our service is general in nature. It does not constitute professional financial, legal, or mechanical advice. You are encouraged to verify all information with official sources and qualified professionals before taking any action.

3 No Affiliation

We are a fully independent consultancy support service. Any reference to brand names such as Hyundai, Kia, or Genesis on this website is made solely to describe the types of customers our guidance service may assist. Such references do not imply any partnership, official status, sponsorship, or endorsement.

We do not represent any official entity. We are not authorized to speak on behalf of any manufacturer, dealership, lender, or service provider. Any guidance we offer reflects general informational content only and does not carry the authority of any official organization.

If you require official support, you should contact the relevant manufacturer, dealership, lender, or service provider directly through their official channels.

4 No Financial Transactions

Specifically, and without limitation:

• We do not access, log into, or manage any auto finance account, bank account, or lending portal on your behalf.
• We do not make, process, submit, or facilitate any financial payments of any kind.
• We do not collect, store, or transmit your financial credentials, payment card details, account numbers, or PINs.
• We do not act as a payment intermediary, escrow service, or financial agent.

All financial transactions — including auto finance payments, service deposits, or any other monetary exchange — must be conducted directly by you with the official and authorized provider. We strongly advise you to use only official channels for any financial transaction.

5 User Responsibility

By using our services, you acknowledge and accept that you are solely responsible for:

• Your decisions: All decisions you make based on the guidance we provide are your own. We provide information to assist your decision-making; the final decision and all resulting actions are entirely your responsibility.
• Your payments: You are solely responsible for ensuring that all auto finance payments, service fees, or other financial obligations are made accurately, on time, and directly with the appropriate provider.
• Information you provide: You are responsible for the accuracy of any information you share with us during a support call or inquiry. We cannot be held responsible for outcomes arising from inaccurate or incomplete information you provide.
• Your interactions with official providers: Once you engage directly with a dealership, lender, or service center, that interaction is entirely your responsibility and outside our control.
• Compliance with applicable laws: You are responsible for ensuring that your actions comply with all applicable laws, regulations, and contractual obligations.

6 No Guarantees

Our services are provided on an "as is" and "as available" basis. We make no representations or warranties of any kind, express or implied, regarding the outcome of any guidance we provide.

Specifically, we do not warrant or guarantee that:

• Our guidance will resolve your specific issue or inquiry
• Information provided will be accurate, complete, or current at all times
• Any service center, lender, or provider we reference will meet your expectations
• Following our guidance will prevent missed payments, service delays, or other adverse outcomes
• Our service will be available at any specific time or without interruption

All implied warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement, are disclaimed to the fullest extent permitted by applicable law.

7 Limitation of Liability

To the maximum extent permitted by applicable law, we and our officers, employees, agents, affiliates, and representatives shall not be liable for any direct, indirect, incidental, consequential, special, or punitive damages arising out of or related to your use of, or inability to use, our services or this website.

This includes, without limitation, any liability for:

• Financial loss: Including missed payments, late fees, penalties, or any financial damage resulting from actions you take or fail to take based on our guidance.
• Service issues with third parties: Including any dissatisfaction, delays, errors, or disputes arising from your interaction with any dealership, lender, service center, or other provider.
• Missed payments: We are not liable for any consequence of a payment being missed, late, or incorrectly processed, regardless of whether our guidance was sought prior to the payment event.
• Reliance on information: Any loss or damage arising from your reliance on information or guidance provided through our service.
• Data or technical issues: Any loss of data, website unavailability, or technical errors encountered while using this website.

8 Service Availability

We do not guarantee that our services or this website will be available at all times, without interruption, or free from errors. We reserve the right to:

• Suspend or discontinue any part of our services at any time, with or without notice
• Modify, update, or change the scope of services offered
• Restrict access to certain features or services
• Perform maintenance, updates, or improvements that may temporarily affect availability

We will make reasonable efforts to provide advance notice of significant service changes where possible, but we are under no obligation to do so. We are not liable for any inconvenience, loss, or damage resulting from service unavailability or changes.

9 Fees & Payments

While some of our services may be available at no charge, certain support services may be subject to a fee. The following applies to all fee-based services:

• Fee disclosure: All fees for paid services will be clearly communicated to you before the service is provided or any payment is collected.
• No hidden charges: We do not apply hidden fees, undisclosed charges, or automatic recurring billing without your explicit agreement.
• Voluntary: Use of paid services is entirely voluntary. You are under no obligation to purchase any optional service.
• Payment processing: Any fees paid to us are for our independent consultancy support service only. These payments are entirely separate from any payments you make to official auto lenders, dealerships, or service providers.

Fees may vary depending on the type and duration of support requested. Specific pricing will be provided before any commitment is made.

10 Refund Policy

Our refund terms and conditions are set out in a separate Refund Policy document. By agreeing to these Terms, you also acknowledge that you have reviewed the Refund Policy and understand its terms.

For full details on eligibility, timeframes, and the process for requesting a refund, please refer to our Refund Policy.

If you have questions about a specific charge or wish to discuss a refund, please contact us directly using the information in Section 17.

11 Intellectual Property

All content on this website, including but not limited to text, graphics, layout, logos, icons, page structure, and written materials, is the property of this business and is protected by applicable copyright and intellectual property laws.

You may:

• View and access the website content for personal, non-commercial use
• Print individual pages for your own reference

You may not, without our express written permission:

• Reproduce, republish, distribute, or sell any content from this website
• Use our content for any commercial purpose
• Modify or create derivative works from our content
• Remove or alter any copyright, trademark, or proprietary notices

Any unauthorized use of our intellectual property may result in termination of your access to our services and may be subject to legal action.

12 Third-Party Links

This website may contain links to third-party websites, including but not limited to official manufacturer portals, dealership websites, lender websites, or external reference resources. These links are provided for your convenience and informational purposes only.

When you click on a third-party link and leave our website, you do so at your own risk. We encourage you to review the terms and privacy policies of any external website before providing personal information or engaging in any transaction.

13 Termination of Access

We reserve the right, at our sole discretion and without prior notice, to suspend or permanently terminate your access to our services in any of the following circumstances:

• Misuse of our services, including providing false or misleading information
• Abusive, threatening, or inappropriate behavior toward our team
• Any attempt to use our service to facilitate unlawful activity
• Repeated violation of these Terms
• Any conduct we determine, in our reasonable judgment, to be harmful to us, other users, or any third party

Upon termination, your right to use our services ceases immediately. Sections of these Terms that by their nature should survive termination — including but not limited to Sections 6, 7, 11, and 16 — shall remain in full force and effect.

14 Privacy Policy

Your use of this website and our services is also governed by our Privacy Policy, which explains how we collect, use, and protect your personal information. The Privacy Policy is incorporated into these Terms by reference.

By agreeing to these Terms, you confirm that you have reviewed and understood our Privacy Policy. If you have any questions about how your personal data is handled, please refer to the Privacy Policy or contact us directly.

15 Changes to These Terms

We reserve the right to modify, update, or replace these Terms & Conditions at any time, at our sole discretion. Changes become effective immediately upon being posted to this page, unless otherwise stated.

The "Last Updated" date at the top of this page will always reflect when the most recent changes were made. We encourage you to review these Terms periodically to stay informed of any updates.

Your continued use of this website or our services following the posting of any changes constitutes your acceptance of the revised Terms. If you do not agree to the updated Terms, you must stop using this website and our services.

16 Governing Law

These Terms & Conditions shall be governed by and construed in accordance with the laws of the United States of America, without regard to its conflict of law principles.

Any dispute, claim, or controversy arising out of or relating to these Terms, or the breach, termination, enforcement, interpretation, or validity thereof, shall be subject to the exclusive jurisdiction of the courts of competent jurisdiction in the United States.

If any provision of these Terms is found to be invalid, unenforceable, or contrary to applicable law, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall continue in full force and effect.

The failure of either party to enforce any right or provision of these Terms shall not constitute a waiver of future enforcement of that right or provision.

17 Contact Information

If you have any questions, concerns, or requests related to these Terms & Conditions, please contact us. We are committed to addressing your inquiry promptly and clearly.

We aim to respond to all legal and terms-related inquiries within 5 business days.