Terms of Service

1. Acceptance of these Terms

By accessing or using the National Auto Refund Group website (the “Site”) or by submitting any claim review or filing request (collectively, the “Service”), you agree to be bound by these Terms of Service and by our Privacy Policy. If you do not agree, you must not use the Site or the Service.

2. About National Auto Refund Group

National Auto Refund Group is a private refund recovery service that assists consumers in identifying, filing, and pursuing refunds owed under finance and insurance (“F&I”) product contracts purchased with vehicles. We are not a law firm, we do not provide legal advice, and we are not affiliated with any government agency, dealership, lender, insurer, or product administrator.

3. Eligibility

The Service is offered to United States residents who are 18 years of age or older. We file refund claims for drivers in all 50 states under the terms of each consumer's original add-on product contracts.

4. Description of the Service

Upon receipt of your submission, we may:

• review the F&I product contracts and financing documents you provide;
• identify products that may carry recoverable refund value;
• prepare administrator-specific cancellation paperwork on your behalf;
• file cancellation requests with the relevant product administrators;
• track each claim through to disbursement; and
• communicate with administrators, dealerships, lenders, or lienholders as needed on your behalf.

5. Your Authorization

By engaging the Service, you authorize National Auto Refund Group to contact the relevant product administrators, dealerships, lenders, and lienholders on your behalf solely for the purpose of identifying and recovering refunds on the F&I products you identify. You may revoke this authorization at any time by written notice to claims@nationalautorefund.com; revocation will terminate the Service prospectively but will not affect any refund already recovered.

6. Fees

No upfront cost. Document review, eligibility analysis, and claim preparation are provided at no charge. Our compensation is a contingency recovery fee, calculated as a defined percentage of any refund actually recovered on your behalf and disclosed in writing before any claim is filed. If no refund is recovered, no fee is owed.

Where the original loan remains active, the product administrator typically remits the refund to the lienholder. In such cases, our recovery fee is collected from the recovered amount in accordance with the terms of your written service agreement.

7. No Guarantee of Outcome

Whether a refund is recoverable, and the amount of any refund, depends on the specific terms of each F&I product contract, the time elapsed since purchase, the administrator’s cancellation policies, and other factors outside our control. We make no guarantee that any particular outcome will be achieved. Estimates provided through the Site (including the refund estimator and any preliminary figures) are illustrative only.

8. Not a Law Firm; No Legal Advice

National Auto Refund Group is not a law firm and does not provide legal advice. Nothing on the Site or in any communication from us should be construed as legal advice. If you require legal advice regarding your rights under your F&I product contracts or otherwise, consult a licensed attorney.

You are free at all times to file refund claims directly with product administrators yourself; engaging the Service is optional.

9. Independence

We are independent. We are not affiliated with any government agency, any dealership, any lender, any insurance carrier, or any product administrator. We do not represent any class, settlement, or court-approved proceeding.

10. Your Information

Information you provide to us is handled in accordance with our Privacy Policy. You represent that information you submit is accurate to the best of your knowledge and that you have the authority to authorize us to act on your behalf with respect to the F&I product contracts identified.

11. Acceptable Use

You agree not to:

• submit false, misleading, or fraudulent information;
• misuse the Service to interfere with the rights of any third party;
• attempt to gain unauthorized access to the Site, our systems, or other users’ data;
• scrape, copy, or reproduce content from the Site for commercial purposes; or
• use the Service in violation of any applicable law or regulation.

12. Intellectual Property

The Site, including its design, text, graphics, logos, and software, is the property of National Auto Refund Group and is protected by intellectual property laws. You receive no license to any of our intellectual property by using the Site.

13. Third-Party Communications

By providing your phone number or email address, you authorize us to contact you about your claim by phone, email, or text message at the numbers and addresses you provide. Message and data rates may apply. You may opt out of non-essential communications at any time by replying STOP to a text message or by emailing claims@nationalautorefund.com.

14. Disclaimer of Warranties

THE SERVICE IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED. WE DISCLAIM ALL WARRANTIES INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR THAT ANY SPECIFIC RESULT WILL BE OBTAINED.

15. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, NATIONAL AUTO REFUND GROUP’S AGGREGATE LIABILITY ARISING OUT OF OR RELATING TO THE SERVICE SHALL NOT EXCEED THE TOTAL FEES YOU HAVE PAID TO US IN THE TWELVE MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM. IN NO EVENT SHALL WE BE LIABLE FOR INDIRECT, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES.

16. Indemnification

You agree to indemnify and hold harmless National Auto Refund Group from and against any claim, damage, or expense (including reasonable attorneys’ fees) arising out of your breach of these Terms or your provision of false or misleading information.

17. Termination

We may suspend or terminate the Service for any user at any time, with or without cause, including for breach of these Terms. You may terminate the Service at any time by written notice to claims@nationalautorefund.com.

18. Dispute Resolution; Arbitration

Any dispute, claim, or controversy arising out of or relating to these Terms or the Service shall be resolved by binding arbitration administered under the rules of a recognized arbitration provider in the State of California, except that either party may seek injunctive relief in a court of competent jurisdiction. You waive the right to bring or participate in any class action against National Auto Refund Group.

19. Governing Law

These Terms are governed by the laws of the State of California, without regard to its conflicts of law principles.

20. Changes to these Terms

We may revise these Terms from time to time. The current version is always posted on this page with an “Effective” date at the top. Continued use of the Service after a change constitutes acceptance of the revised Terms.

21. Contact

Questions about these Terms? Reach us at claims@nationalautorefund.com or (916) 306-8325.