The following terms govern the use of our website. We provide informative content around financial products and reviews of lending institutions and services. Affiliate links help support us at no-added cost. We do not provide any financial advice, lending consultation, or related services. Please contact your own financial representative, broker, or certified professional before making decisions which will affect your finances, credit score, or assets.
About Our Terms
Last updated on May 10, 2022 by the Tevoz Editorial Team
Below are the Terms and Conditions for use of the tevoz.com website.
Though we strive to be completely accurate in the information that is presented on our site, and attempt to keep it as up to date as possible, in some cases, some of the information you find on the Website may be slightly outdated. Tevoz.com reserves the right to make any modifications or corrections to the information you find on the Website at any time without notice.
Statement of User Agreements
By using the Website and Content, you agree to the following rules of conduct established below.
- You agree that you shall not use the Website and/or Content for any illegal, fraudulent, or unlawful purposes, and that you will respect all applicable laws and regulations.
- You agree not to use the Website in a way that may impair the performance, corrupt or manipulate the content or information available on the Website, or reduce the overall functionality of the Website.
- You agree not to compromise the security of the Website or attempt to gain access to secured areas of the Website or attempt to access any sensitive information you may believe exist on the Website or server where it is hosted.
- You agree not to misuse, overcome, or circumvent the Website's navigation structure, menus, sitemap, index, Document Object Model (DOM), visual presentation, HTML, or code without prior express written consent from Tevoz representatives.
- You agree not to disrupt, inhibit, or interfere with the operation or uptime of the Website and Content along with the servers, hosting providers, networks, hardware, and other infrastructure used to maintain and make the Website and Content available.
- You agree not to violate any protocols, policies, procedures, regulations, requirements, or security measure of said infrastructure and networks.
- You agree not to prevent, restrict, or inhibit any other person from accessing or using the Website and/or Content by performing actions, using scripts, or employing software including but not limited to spoofing, hacking, mirroring, phishing, injecting, defacing, obscuring, cross-site scripting, fuzzing, path traversing, or related methods.
- You agree not to use the Website, Content, or related platforms to buy, sell, offer for sale, trade, advertise, or promote products, services, or business transactions of any kind without prior express written consent from Tevoz representatives.
- You agree not to copy, duplicate, reproduce, mirror, scrape, reuse, rewrite, spin, sell, resell, trade, or otherwise exploit or misuse any part of the Website and Content or access to the Website and/or Content for commercial or other for-profit purposes.
- You agree not to change, modify, reverse engineer, disassemble, morph, de-compile, rebuild, or reconstitute any part of the Website and/or Content along with its pages, page structures, sitemaps, databases, or APIs.
- You agree not to remove, hide, obscure, or obfuscate any and all mentions of copyright(s), trademarks(s), patent(s), or other proprietary rights notice(s) from the Website, Content, materials, information, or any other data stemming from the aforementioned properties, assets, and resources.
- You agree not to "hotlink", mirror, extract, scrap, frame/iframe, or request and parse any part of the Website, Content, images, materials, or resources within the Content with prior express written consent from Tevoz representatives nor defeat or overcome security restrictions blocking such actions.
- You agree not to form, create, or attempt to create databases, datasets, APIs, or archives of information from the Website or Content by actions including but not limited to scraping, crawling, or systematically downloading and storing Content, values, or information.
- You agree not to use or make use of any crawler, robot, spider, user agent, parser, site search tools, retrieval applications, repositories, manual scripts, executable codes, automated platforms, or other similar tools/applications to find, use, access, retrieve, reproduce, index, harvest, scrape, datamine, gather, or collect data or information from the Website and/or Content.
- You agree to be fully responsible for any claim, expense, losses, liability, costs including legal fees incurred by us arising from any infringement of the terms and conditions in this agreement and to which you will have agreed if you continue to use the Website.
If you disagree with any of the following rules, please immediately terminate your use and stop accessing the Website and/or Content.
The reproduction, distribution in any method whether online or offline is strictly prohibited. The work on the Website and the images, logos, text and other such information is the property of tevoz.com (unless otherwise stated).
Limited Claims Disclosure
We make no claims to the product and service postings on our Website. The Content may contain words and verbiage provided by the lending provider, product reseller, partner, or company of origin. We make no claim to the words of service descriptions, lending details (including offer terms, interest rates, rebates, headline APR, and the like), product postings, vehicle values (including year, make, model, trim, specifications, and other details), and similar third party values.
The Website, information, and facts therein are provided "as is" without warranty. The product brand names, logos, and other trademarked terms are the property of their respective companies, subsidiaries, partners, and organizations and fall under their copyrights. You, as the user, bear all risks associated with the use of the Website and Content. This includes, without limitations or warranties of any kind, the completeness and usefulness of any available Content as well as accuracy as to any statements, claims, rates, savings, or other information.
The information related to any products or services is based on the related partner, affiliate, or third-party product or service and their stated claims and information. Tevoz and all associated parties disclaim all warranties, express or implied. These warranties include, without limitation, all warranties of title, non-infringement, accuracy, completeness, and usefulness.
Also disclaimed are all warranties and representations related to merchantability, fitness for a particular use, usage of trade, and additional statements and clauses relating to performance or course of dealing. These disclaimations related to Tevoz including its officers, directors, owners, employees, writers, agents, representatives, suppliers, and service providers.
No Investment Advice Disclosure
Tevoz is NOT a licensed lending institution, financial advisor, or securities provider. The Content is for informational and entertainment purposes only, you should not construe any such information found on the Website or other material (be it found through links, menus, sitemaps, or other means) as financial, investment, tax, legal, or other related advice.
Nothing contained on our Website constitutes a recommendation, solicitation, endorsement, offer, or recommendation by Tevoz or any third-party service provider to buy or sell any products, services, securities, or other financial instruments. These statements govern the use of the Website in the users' jurisdiction.
We also do not provide, recommend, or condone product or service offerings in any state, area, or jurisdiction (user located or otherwise) in which such offerings would be unlawful under the securities laws of such jurisdiction. Since Tevoz is not a licensed securities provider, the observance of these laws would fall under use of applicable product and service partners and third-parties.
All Content on the Website is information of a general nature and does not address the financial position or circumstances of any particular individual, party, or entity. Nothing in the Website constitutes professional, lending, and/or financial advice. Additionally, none of the information or details about the products and services on the Website constitute a complete review of said product or service or provide comprehensive statement of the matters discussed, impacted assets, or applicable laws relating thereto.
Tevoz is not a fiduciary by virtue of any user's, visitor's, or person’s use of or access to the Website or Content. You alone, as the user, assume the sole responsibility of assessing and evaluating the merits, risks, and hazards associated with the use of any information, product, service, or other Content on the Website. This fact holds true before, during, and after making any decisions or actions (including submitting applications) based on such information, facts, details, statements, other Content.
In exchange for using the Website, you agree not to hold Tevoz, its affiliates, or any third-party service providers liable for any possible claim for losses or damages arising from or related to any decision or action you make or take based on information or other Content made available to you through the Website.
Financial Risks Disclosure
No opportunity, action, or decision is without risks. There are inherent risks associated with making financial decisions, undertaking refinancing efforts, and/or investing in financial instruments or securities. Refinancing a house, car, or other piece of property involves risks of lowering your credit score and adjusting your related equity. Investing in stocks, exchange traded funds (ETFs), bonds, mutual funds, and money market funds involve risks of monetary loss. In these cases, the loss of principal, or the original investment, is possible.
Some high-risk investments may also use leverage. In these cases, utilizing leverage can increasingly accentuate gains and losses which is increasingly factored by the amount of leverage used. An adequate knowledge of leverage usage, stop losses, and risk/loss potential is required before undertaking or participating in such investments.
In cases of foreign financial investments, there are special risks involved. These risks include greater volatility based around political, economic, currency conversion risks along with differences in international accounting methods. The specific past investment performance of a product, service, fund, security, or a firm is not a guarantee, assurance, or predictor of future investment performance or outcomes.
Tevoz.com is a participant in various affiliate programs including Impact Radius, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to partner products.
Some links may be affiliate links. We may get paid if you buy something or take an action after clicking one of these.
Third-Party Link Disclosure
We may link to third-party websites, apps, and platforms. As a convenience to you, the Website may provide hyperlinks to websites operated by third-parties such as partners and affiliates. When you select these hyperlinks and choose to click on them, you will be leaving the Website. We have no control over these other websites or their content. Because of this, we are not responsible for the usage, availability, or accessibility of such external sites or their content.
We at Tevoz do not assume any responsibility or liability for any such websites or their content. Their responsibility is their own, and we do not also adopt, endorse, or approve of their associated practices. This includes products, services, advertising, or other materials which are on or available through such websites or their resources.
Other websites, publications, apps, and resources (like newsletters) may provide links to the Website or Content with or without our approval, permission, or authorization. Tevoz does not endorse such usage or websites and shall not be responsible or liable for any links from those websites to the Website or Content. This includes any products, services, content, advertised placements, or other materials available on, in, or through such other websites.
If you, as the user, are unhappy or dissatisfied with the Website and/or the Content, you are encouraged to stop using it or accessing the information immediately or at your discretion. Ignorance of posted terms and disclaimers is no excuse. This includes situations where you do not know about and/or are not aware of the implications of using the products or services in question.
Tevoz is not liable nor to be held liable for any direct, indirect, circumstantial, consequential, incidental, punitive, speculative, or otherwise deemed special damages arising from the use or inability to use the Website's Content or information. This includes any theory of liability including but not limited to any fluctuation of credit score, damages to credit history, losses of assets (whether tangible or intangible), or other losses of use or data.
We do our best to maintain the uptime, safety, and security of the Website as well as the content delivery networks (CDNs) and the servers used to operate the Website. This includes storing any personally identifiable information (PII) in accordance with best practices using hardened secure solutions including web application firewalls, encrypted storage, and regular malware scanning.
Third-party(ies) may also change or alter their listings, products, services, terms, or offerings periodically which may result in conflicts with the presented information or data within our Website and Content. If you become aware of any such discrepancies or changes, please contact us with a specific description of the information, data, or material(s) and the URL where they are found on the Website. We will work to rectify the problems as quickly as possible to the best of our ability.
Use of Electronic Signatures and Notices
We may have areas on our Website where you can submit a signature, sign a form, or opt in for a notice. If you use any of these areas, you agree to be bound by any associated affirmation, assent, or agreement related to the document, browsing action, or episode at hand that you transmit on or through the Website or any other aspect of Tevoz's services.
This holds true whether you complete an action or give consent to receive communications from us (electronic or otherwise) using an electronic device(s) like a desktop, mobile, tablet, telephonic, telecommunications, or other related type of browsing device from any form of internet connection including but not limited to a hardwired, wireless, VPN, or other remote network.
You agree to this use of the Website when you interact with and complete actions using links, buttons, and submissions which feature entry fields along with a submission button. The button may include verbiage similar to "Submit", "Send", "Go", "I Agree", or other terms demonstrating the completion of the action.
The associated entry fields may be filled into or completed with your mouse, finger, keyboard (software, mobile, hardware, or otherwise featuring keystrokes), or other method. Your use and agreement or consent of such actions will be legally binding and enforceable and the taken as legal equivalent of your handwritten signature or similar mark.
Use and Ownership of Content Disclosure
The exception is the aforementioned third-party(ies) content related to product brand names, logos, and other trademarked terms which are the property of their respective companies, subsidiaries, partners, and organizations and fall under their copyrights. Tevoz makes no claims to third-party content.
You may use and make use of the Website and Content for your personal and/or noncommercial use. These rights are extended to you exclusively provided that you keep any and all copyright(s), patent(s), trademark(s), and other proprietary notices intact and visible as placed in the entirety of the content. If the content used does not display a copyright, patent, trademark, or other proprietary notice within close proximity, you are required to use either the closest notice or standard notice of "Page. Tevoz.com." where the page is linked to the original source.
Your access or use of the Website and/or Content may be terminated at any time or for any reason. This termination may or may not include prior notice. Tevoz shall not be liable for the results, outcomes, or damages, associated with such terminations, restrictions, or loss of access. We shall not be liable to provide any data, information, files, logs, forms, submissions, or other data to you or any third-party post termination nor restore access or make such data, files, or information available to you by other means.
Your access and/or use limitations may be performed manually or automatically by us at Tevoz or by our automated security measures. These measures may include but are not limited to anti-bot measures of tarpits, blackholes, bot managers, or blacklists as well as restricted access lists which may include IP blacklists, restricted high-risk GEOs, or specific user agents.
By accessing and using the Website and Content, you agree to indemnify, defend and hold harmless Tevoz (specifically including its members, partners, officers, directors, owners, employees, writers, agents, representatives, suppliers, information providers, service providers, licensees, and licensors (collectively, the “Indemnified Parties”) from and against any and all claims, losses, damages, costs and expenses (including attorneys’ fees) arising out of or relating to (a) any breach (or claim, that if true, would be a breach) by you of these Terms and (b) your use of or activities in connection with the Website. We reserve the right, at our own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you. You shall not enter into any settlement agreement which affects the rights of any of the Indemnified Parties or requires the taking of any action by any of them, without our prior written approval.
The Website is controlled and operated by Tevoz from the United States, and is not intended to subject Tevoz to the laws or jurisdiction of any country or territory other than that of the United States. Tevoz does not represent or warrant that the Website or any part thereof is appropriate or available for use in any particular jurisdiction other than the United States and only in those US states and territories where Tevoz's product and service partners, affiliates, and third-party vendors are registered or licensed or exempt from registration or licensing under applicable state or federal law.
Tevoz's product and service partners, affiliates, and third-party vendors operate as individual incorporated entities and hold their own registrations and licenses including NMLS unique identifiers. The responsibility to meet and fulfill the legal requirements and obligations for each state and/or territory rests on each partner, affiliate, or third-party.
In choosing to access the Website, you do so on your own initiative and at your own risk, and you are responsible for complying with all local laws, rules, and regulations. We may limit the Websites's availability to any person, geographic area, or jurisdiction at any time.
Changes to the Terms and Conditions of Use
We reserve the right to make changes and to revise the above mentioned terms and conditions of use. In the event the changes affect a login or account attached to your email address (if applicable), we will notify you of the changes by email within 7 business days or as soon as possible.