Terms of Service

What this service is

Krasa Development, LLC helps drivers find and claim refunds on unused auto protection products — vehicle service contracts, GAP, prepaid maintenance, tire and wheel coverage and similar dealer add-ons. We do three things: we give you a free estimate of what may be refundable, we prepare cancellation letters for you to sign and send, and, by request only, we can handle the cancellations on your behalf.

We are an independent service. We are not affiliated with, endorsed by, or acting for any dealership, lender, administrator or manufacturer, and we name those companies only to identify whose product you may want to cancel.

We are not a law firm

Krasa Development, LLC is not a law firm and does not practice law. Nothing we provide is legal advice, and using this service does not create an attorney-client relationship. The letters we prepare are self-help documents: you review them, you sign them, and you send them. If you want advice about your legal rights, talk to a lawyer licensed in your state.

Estimates are estimates

Every dollar figure on this site is an estimate, not an offer, a quote, or a promise of payment. We calculate estimates from typical prices for each product, the contract term you tell us about, and how much of that term has elapsed. We do not read your contract unless you send it to us, and even then we may not be able to verify every term.

Your actual refund depends on the price you actually paid, your contract's stated term and proration method, any claims already paid against the product, the administrator's cancellation fee, and the law of your state. It may be higher or lower than our estimate, and some products turn out not to be refundable at all. We do not guarantee that you will receive any refund, or that a refund will be any particular amount.

We never handle your money

Refunds are paid by the dealership, lender or administrator directly to you, or to your lienholder if your loan is still open and your contract requires it. We never take custody of your refund, we never ask for a refund to be made payable to us, and we never deduct our fee from a refund. Our fees are billed to you separately.

If anyone claiming to represent us asks you to have a refund sent to them, it is not us. Please tell us.

What you are responsible for

You are responsible for the accuracy of what you tell us, and for reviewing any letter or form before you sign and send it. The documents we prepare are based entirely on your answers. If a detail is wrong, the letter will be wrong.

You should keep a copy of everything you send, and we recommend sending cancellation requests by a method that gives you proof of delivery.

Prices and payment

Checking what you may be owed is free. The letter kit is a one-time charge of $49, disclosed in full before you pay. There are no subscriptions, no recurring charges, and no percentage of your refund — whatever the administrator pays you is yours.

Done for you is offered by request only and cannot be purchased on this site. If you ask about it we will contact you to discuss it, and nothing is charged unless and until you agree to it in writing. Our fee for it does not depend on the size of your refund.

Refunds of our own fees are covered by our Refund Policy.

If we act on your behalf

If you engage Done for you, you authorize us to contact the dealership, lender and administrator about your products, to submit cancellation requests you have signed, and to follow up on your behalf. That authorization is limited to cancelling the products you identify and pursuing the resulting refund, and you can revoke it at any time by telling us.

Acting as your authorized agent is not the same as acting as your lawyer. We do not give legal advice, we do not appear for you in any proceeding, and we cannot settle or waive any claim on your behalf.

How we contact you

We will email you about the request you made, and we will email you afterwards to ask whether your refund arrived — that answer is how we learn whether any of this actually works. Every email we send has a one-click unsubscribe.

We will only call you if you have asked us to. We do not send marketing text messages, we do not use autodialers or pre-recorded messages, and we do not sell or share your contact details with anyone.

Acceptable use

Please use this service for your own vehicle and your own contracts. Do not use it to submit requests on someone else's behalf without their authority, do not scrape or resell our content, and do not submit documents you do not have the right to share with us.

Disclaimer of warranties

The service is provided "as is" and "as available". To the fullest extent permitted by law, we disclaim all warranties, express or implied, including any implied warranties of merchantability, fitness for a particular purpose, accuracy, and non-infringement. Some states do not allow certain warranty exclusions, so parts of this may not apply to you.

Limitation of liability

To the fullest extent permitted by law, Krasa Development, LLC will not be liable for any indirect, incidental, special, consequential or punitive damages, or for any lost refund, lost profits, or lost opportunity, arising out of or relating to your use of the service.

Our total liability for any claim relating to the service is limited to the greater of the amount you paid us in the twelve months before the claim, or one hundred US dollars. Some states do not allow these limitations, so parts of this may not apply to you. Nothing in these terms limits liability for fraud or for anything else that cannot be limited by law.

Resolving a problem

If something goes wrong, email us first at support@refundauto.com and give us thirty days to put it right. Most problems are a misunderstanding about what the estimate means or where a letter should have gone, and both are quick to fix.

Governing law

These terms are governed by the laws of the State of Hawaii, without regard to its conflict-of-laws rules. Nothing here takes away any right you have under the consumer-protection law of the state where you live.

Changes

We may update these terms. If we make a material change we will update the date at the top of this page, and the version in force when you used the service is the one that applies to that use.