Terms of service

Our services

Cardian offers an expert review ($79), "we handle it" cases ($249 standard, from $349 complex), case coaching ($149) and find it ($149). Prices include what's described on our pricing page. Applicable taxes are extra.

The expert review

The $79 review fee is paid up front and isn't refundable once the review has started. If you hire us to handle the same case, the $79 is credited toward the case fee.

"We handle it" cases

Before we contact a business for you, we agree on a flat fee and you sign an authorization letting us communicate with that business on your behalf. You stay in control: we don't agree to anything, pay anything or sign anything for you without your approval.

Our fee promise: if we handle your case and don't save you more than our fee, we refund the case fee in full. Savings means the final amount is lower than the amount on the document you sent us, or you received a refund or credit.

Case coaching

For repossessions, liens and insurance claims, we coach you through the process. We don't contact the lender, lienholder or insurer for you. If you want someone to act for you, we can refer you to our partner paralegal or a licensed public adjuster, who will quote you directly.

Courtesy discount requests

When a price looks fair, we may offer to ask the business for a courtesy discount. We'll always ask, but we can't promise a discount.

What you agree to

You agree to give us accurate information and documents, to tell us about any deadlines, and to have a licensed technician check your vehicle before declining or delaying any repair. You agree that decisions about your vehicle, contract or claim are yours.

Disclaimer and liability

Our disclaimer is part of these terms. Our total liability for any claim is limited to the fees you paid us in the 12 months before the claim.

Governing law

These terms are governed by the laws of Ontario and the federal laws of Canada that apply there.

Draft for review. These terms will be reviewed by a lawyer before launch.