Disclaimer

What we are

Cardian gives independent opinions and information about car-related prices, fees, contracts, claims and processes, and can communicate with businesses on your behalf when you authorize us to.

What we are not

Cardian is not a law firm, lawyer, paralegal, licensed insurance adjuster, insurance broker, car dealer or financial advisor. Nothing we provide is legal, insurance, financial or mechanical advice. When a matter needs a licensed professional, we'll tell you and may refer you to one.

What our reviews are based on

Our reviews are based on the documents and information you give us, and on general pricing and regulatory information. We don't inspect vehicles. If the information you send is incomplete or wrong, our opinion may be too.

Safety and mechanical condition

Cardian does not inspect, diagnose or repair vehicles, and does not decide whether a repair is needed or whether it is safe to delay. Our reviews are opinions on price, fees, contracts and process only. Any comment about a repair is general information, not a mechanical or safety assessment.

Before you decline, delay or change any repair, especially anything involving brakes, tires, steering, suspension, lights or anything else that affects safety, have the vehicle inspected by a licensed automotive technician. You are responsible for keeping your vehicle in safe condition.

Cardian is not liable for any mechanical failure, breakdown, damage, injury, accident or other loss related to the condition, repair or use of your vehicle.

Your decisions are yours

Any decision to approve, decline, sign, pay, dispute, settle or cancel is yours alone. You're responsible for checking anything important with the business involved or a licensed professional before you act.

No guaranteed results

Apart from our fee promise (if we handle your case and don't save you more than our fee, we refund the case fee), we don't guarantee any outcome, savings, refund, settlement or result. The business, insurer or lender involved makes its own decisions.

Limitation of liability

To the fullest extent the law allows, Cardian and its owners, employees and partners are not liable for any loss, damage, cost or claim arising from your use of our services, reviews or correspondence, or from any decision you make. Our total liability for any claim is limited to the fees you paid us in the 12 months before the claim.

Draft for review. This disclaimer will be reviewed by a lawyer before launch.