Terms of Service
Last updated October 1, 2026
These terms are the agreement between you and Kadazo, LLC ("Cardazo," "we," "us"), operator of the Cardazo Deal Desk app. By using the app, you agree to them. Please read them.
1. What Cardazo is — and isn't
Cardazo is an educational tool that helps you understand car pricing and financing. It is not financial, legal, or tax advice, and every decision is yours to make.
Cardazo is not a lender, broker, dealer, or insurance producer. It originates no loans, arranges no credit, takes no loan applications, makes no credit decisions, and sells no product. Any advertiser revenue is for placement only — we are not paid based on whether you choose a particular loan, product, dealer, or offer, and nothing we show is a recommendation you're required to follow.
2. Estimates, not guarantees
The numbers Cardazo shows are estimates based on what you enter. Actual prices, taxes, rates, and payments come from the dealer and lender and may differ. Verify everything before you sign anything.
Sales-tax rates: we verify rates against the state tax authority only for California. For every other state, the rate is an estimate from a commercial dataset and may be out of date or wrong for your exact address. The app labels which ZIPs are verified versus estimated — confirm the tax on your actual contract.
The "typical rate for your credit" the app shows is a published average for that credit band, not an offer from any lender. Your real rate depends on the lender, your full credit profile, and the vehicle.
3. The Advisor
The Advisor is an automated assistant that generates replies using a third-party AI model. Its replies are general educational information based on the figures you entered. They can be wrong, incomplete, or out of date, and they are not financial, legal, or tax advice. Verify anything the Advisor tells you against your contract and, where it matters, with a qualified professional before you act on it. Cardazo is not responsible for decisions made in reliance on Advisor replies.
4. Credit union offers
When Cardazo finds a problem with the rate on your deal, the app may show you an offer from a credit union. Offers depend on the ZIP code in your profile, the details you entered, and which credit unions take part in your area, so you may not see every lender or the lowest rate available to you.
The rates, payments and savings shown with an offer are estimates. They are not an offer of credit, a pre-approval, or a promise of any rate or terms. Only the credit union decides whether to lend to you and on what terms, after its own application and credit review. You may need to qualify for membership.
If you send a request, you agree that the credit union may contact you by call, text or email about an auto loan. You can ask it to stop at any time. What happens after that is between you and the credit union.
5. Information you provide
You agree that the information you enter or share, including any credit score, is accurate to the best of your knowledge. Estimates and offers are only as good as the information behind them.
6. Eligibility and your account
You must be at least 18 to use Cardazo. Keep your login secure — you're responsible for activity under your account.
7. Business accounts
If you use Cardazo on behalf of a dealer, lender or credit union, you also agree to your organization's agreement with Cardazo, which controls if it conflicts with these terms.
8. Acceptable use
Use Cardazo for your own car-buying decisions. Don't misuse it, scrape it, resell it, or try to break or interfere with it.
9. Lenders and dealers
Lenders, credit unions and Certified dealers are independent businesses. Cardazo doesn't control their offers, credit decisions or communications, and isn't responsible for them. Read their terms before you accept anything.
10. Sponsored offers
Some ads and lender offers are sponsored and are labeled as such, for example as a "Member offer." We may earn a placement fee from the business — never a share of any dealer markup, never a commission on the financing you choose, and never a fee that depends on whether you apply, are approved, or the terms of any loan — so what we show you isn't bought by overcharging you.
11. Intellectual property
The app, its content, and the Cardazo brand are owned by us. Don't copy, modify, or reuse them without permission.
12. Disclaimers and liability
The app is provided on an as-is basis. To the fullest extent the law allows, Cardazo is not liable for decisions you make or losses arising from your use of it, including the decisions, offers or actions of any dealer, lender or credit union.
13. Changes
We may update these terms. If we do, continued use of the app means you accept the update.
14. Governing law and contact
These terms are governed by the laws of the State of California. Questions? Reach us at legal@cardazo.com.