Terms & Conditions

1. Agreement to Terms

By accessing or using the website at carcaniafford.com (referred to as "the Site", "we", "us", or "our"), you agree to be bound by these Terms and Conditions. If you do not agree to all terms, you are requested to discontinue use immediately.

2. Educational & Estimation Nature of Calculators

Our calculators model auto affordability based on benchmark rules such as the 20/4/10 guideline (20% down payment, 4-year loan term, maximum 10% gross income allocation). However:

• Actual auto loan eligibility depends on individual credit profiles, lender underwriting standards, debt-to-income (DTI) ratios, and loan approval criteria.
• Actual insurance costs, state sales taxes, vehicle registration fees, and vehicle maintenance vary significantly based on driver location, driving history, and specific vehicle models.
• Users should consult a licensed financial advisor or credit specialist before executing binding auto loan contracts or major vehicle transactions.

3. Intellectual Property Rights

The content, layout, design, graphics, custom interactive code, and calculator logic on this Site are protected under international copyright, trademark, and intellectual property laws. You may use our calculators for personal, non-commercial purposes. You may not scrape, frame, reverse-engineer, or re-distribute our proprietary calculator engines without explicit written permission.

4. Limitation of Liability

In no event shall carcaniafford.com or its operators be held liable for any direct, indirect, incidental, consequential, or punitive damages arising from your reliance on calculations, financial projections, or decisions made based on information presented on this Site.

5. Availability & Warranties

This website and its calculation features are provided on an "as is" and "as available" basis without warranties of any kind, whether express or implied. We do not warrant that the website will operate uninterrupted, error-free, or free of technical bugs.