Terms & Conditions

1. Nature of Services

RefiAmigo is an auto refinance brokerage. We are not a lender, bank, or financial institution.

We assist customers by collecting information, reviewing eligibility, and submitting refinance requests to participating third-party lenders. All loan approvals, rates, terms, and conditions are determined solely by the lender.

RefiAmigo does not guarantee loan approval, specific interest rates, savings, or outcomes.

2. No Financial Advice

Information provided by RefiAmigo is for general informational purposes only and should not be considered financial, legal, or credit advice.

Customers are encouraged to review all loan documents carefully and consult with a qualified professional before making any financial decisions.

3. Eligibility & Accuracy of Information

By submitting information to RefiAmigo, you represent and warrant that:

• All information provided is true, accurate, and complete

• You are authorized to submit information regarding the vehicle and loan

• You are at least 18 years old

Providing false or misleading information may result in denial of service.

4. Credit Authorization

By submitting your information and proceeding with a refinance request, you authorize RefiAmigo and its lending partners to:

• Review your credit profile

• Obtain consumer credit reports

• Verify employment, income, and vehicle information

Credit inquiries may be soft or hard inquiries, depending on the lender and stage of the process.

5. No Obligation

Submitting information to RefiAmigo does not obligate you to accept any loan offer.

You may decline any offer presented to you without penalty.

6. Fees & Compensation

RefiAmigo may receive compensation from lenders or service providers for successful referrals or completed transactions, where permitted by law.

Any consumer-paid fees, if applicable, will be clearly disclosed prior to moving forward.

7. Communications Consent (TCPA / A2P Compliance)

By submitting your information, you expressly consent to be contacted by RefiAmigo, its representatives, and service providers via:

• Phone calls

• SMS text messages

• Emails

• Automated or prerecorded messages

Communications may be sent to the phone number or email you provide for purposes related to your refinance inquiry.

Consent is not a condition of purchase.
Message and data rates may apply.
Message frequency may vary.

You may opt out of SMS messages at any time by replying STOP. For assistance, reply HELP.

8. Data Privacy & Security

We take reasonable measures to protect your personal information. However, no method of transmission over the internet is 100% secure.

Use of our website and services is at your own risk. Please review our Privacy Policy for more information on how data is collected and used.

9. Third-Party Lenders & Websites

RefiAmigo may share your information with participating lenders or service providers to evaluate refinance options.

We are not responsible for:

• Lender decisions

• Loan terms or conditions

• Third-party websites, policies, or practices

Each lender operates independently under its own terms and policies.

10. Limitation of Liability

To the fullest extent permitted by law, RefiAmigo shall not be liable for any indirect, incidental, special, or consequential damages arising from:

• Use of our website or services

• Reliance on information provided

• Loan decisions made by third-party lenders

11. Modifications to Terms

RefiAmigo reserves the right to update or modify these Terms & Conditions at any time without prior notice.

Continued use of our services after changes are posted constitutes acceptance of the updated terms.

12. Governing Law

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

13. Contact Information

If you have questions regarding these Terms & Conditions, you may contact us at:

RefiAmigo
📧 Email: hugo@refiamigo.com
📲 Phone: 970-319-0376