Refidance

Last Updated: January 4, 2026

1. Introduction

Welcome to Refidance. By accessing or using this website, you agree to comply with and be bound by these Terms & Conditions. If you do not agree, please do not use our website or services.

2. Nature of Services

Refidance is an independent referral and informational platform. We are not a lender, broker, or financial institution, and we do not offer loans, make credit decisions, or negotiate loan terms. Our role is to connect users with third-party auto refinance providers through affiliate links and curated partner offers.

3. No Collection of Personal Data

Refidance does not collect, store, or process personal or financial information submitted by users for loan applications. When you click an affiliate link, you are redirected to a third-party lender or service provider, and any information you provide is submitted directly to that partner and governed by their own privacy policy and terms.

4. Third-Party Partners

All loan offers, rates, approvals, and terms are provided solely by our third-party partners. Refidance does not guarantee approval, specific rates, or loan terms. Partner offerings—including interest rates, loan terms, GAP coverage, and co-buyer options—are subject to change and depend on individual creditworthiness and lender criteria.

5. Credit Inquiries

By engaging with third-party lenders through our affiliate links, you acknowledge and understand that those lenders may conduct soft or hard credit inquiries in accordance with their own policies. Refidance has no control over, and is not responsible for, such inquiries.

6. No Financial or Legal Advice

Content on this website is provided for informational purposes only and does not constitute financial, legal, or credit advice. Users are encouraged to review all loan documents carefully and consult qualified professionals if needed.

7. Limitation of Liability

Refidance shall not be liable for any direct, indirect, incidental, or consequential damages arising from:

• Use of or inability to use this website
• Reliance on third-party offers or services
• Actions or decisions made by partner lenders

All services are provided “as is” and “as available.”

8. External Links

This website contains links to external third-party websites. Refidance is not responsible for the content, accuracy, availability, or practices of those external sites.

9. Changes to Terms

Refidance reserves the right to modify these Terms & Conditions at any time without prior notice. Continued use of the website constitutes acceptance of any updates.

10. Governing Law

These Terms & Conditions shall be governed by and construed in accordance with the laws of the State of California, without regard to conflict-of-law principles.