Acceptance of Terms

By accessing and using KeepMyCar.org (the "Website"), you accept and agree to be bound by these Terms of Use. If you do not agree to these terms, please do not use this Website.

Informational Purposes Only

KeepMyCar.org provides informational tools and content only. We are not:

• Attorneys or a law firm providing legal advice
• Financial advisors or licensed credit counselors
• Lenders or loan modification services
• Representatives of any financial institution

Nothing on this Website should be construed as legal, financial, or professional advice. Always consult with a qualified professional regarding your specific situation.

Your Responsibility

You assume full responsibility for any actions taken based on information from this Website. You agree to:

• Verify all information with your lender or a qualified professional
• Understand that state laws vary and may affect your rights
• Use our tools as educational resources, not as guarantees of outcomes
• Acknowledge that results may differ based on your individual circumstances

No Guarantees

We make no guarantees, warranties, or representations regarding:

• The accuracy or completeness of information on this Website
• The results you may achieve using our tools
• Your lender's response to hardship letters or requests
• The availability or quality of partner services

Use of Tools

Our free tools (calculators, letter generators, quizzes) are provided "as is" for your convenience. You agree to:

• Provide accurate information when using our tools
• Review and customize any generated content before use
• Not use our tools for any unlawful purpose
• Not attempt to interfere with or disrupt our Website's operation

Intellectual Property

All content on this Website, including text, graphics, logos, and software, is the property of KeepMyCar.org or its content suppliers. You may not reproduce, distribute, or create derivative works without our express written permission.

You may print or download content for personal, non-commercial use only.

Third-Party Links and Services

This Website may contain links to third-party websites or partner services. We are not responsible for:

• The content or practices of any third-party websites
• The services provided by partners or advertisers
• Any transactions you enter into with third parties

We encourage you to review the terms and privacy policies of any third-party services you choose to use.

Limitation of Liability

To the fullest extent permitted by law, KeepMyCar.org and its operators shall not be liable for:

• Any direct, indirect, incidental, or consequential damages
• Loss of income, profits, or data resulting from your use of this Website
• Decisions you make based on information from this Website
• Interruptions or errors in service

Indemnification

You agree to indemnify and hold harmless KeepMyCar.org from any claims, damages, or expenses arising from your use of this Website or violation of these Terms.

Modifications

We reserve the right to modify these Terms of Use at any time. Changes will be posted on this page with an updated date. Your continued use of the Website after changes constitutes acceptance of the modified terms.

Governing Law

These Terms of Use are governed by the laws of the State of California, without regard to its conflict of law provisions.

Contact Information

If you have questions about these Terms of Use, please contact us at: koen@cardifftax.com