Terms of Use

Effective date: October 31, 2026

CarBillsExplained.com is general, educational information about car loans, car insurance and service contracts, run by Top Rank ROI LLC. By using the site you agree to these terms.

Who runs this site

CarBillsExplained.com is owned and run by Top Rank ROI LLC (online only, serving readers nationwide).

Education only

Our guides are general information. They are not insurance, legal, financial, credit or other professional advice for your situation, and reading them doesn’t create a professional relationship with us. Car Bills Explained is not an insurance company, agent or broker, a lender or loan broker, a dealer or a service contract seller, and we don’t sell, quote or recommend specific products. Insurance and lending rules change and differ by state and by company. Read your own documents, check the official source we link, or ask a licensed professional before you act.

No promised results

We don’t promise any result: a lower price, a loan approval, a refund, a claim payment or coverage. Prices, rules and programs change; we date what we checked.

Our content

Text and images on this site are © Top Rank ROI LLC unless noted. Government material we quote belongs to its source. You may link to our pages and quote short parts with a link back. Please don’t copy whole pages.

Links to other sites

We link to official sources and, sometimes, our sister sites. We don’t control those sites and aren’t responsible for their content, prices or policies.

As is

The site is provided “as is” without warranties of any kind. To the extent the law allows, Top Rank ROI LLC isn’t liable for losses from using the site or relying on its content.

Governing law

These terms are governed by the laws of the State of California.

Changes and contact

We may update these terms and will change the effective date when we do. Questions: rolandoc@toprankroi.com or our contact form.