Last Updated: July 20, 2026
These Terms of Service (“Terms”) govern your access to and use of TopTenCarLoans.com, available at https://toptencarloans.com, including its pages, subdomains, content, rankings, comparison tools, reviews, offers, forms, features, and related services collectively referred to as the “Site” and the “Services.”
The Site is owned and operated by Moonshot Marketing LTD. (“Moonshot Marketing,” “we,” “us,” or “our”).
By accessing or using the Site, you agree to these Terms. If you do not agree to these Terms, you should not access or use the Site.
Please read these Terms carefully before using any feature, content, comparison, review, link, offer, or service available through the Site.
1. Related Policies
These Terms should be read together with our Privacy Policy and Cookie Policy:
Privacy Policy: https://toptencarloans.com/privacy_policy.html
Cookie Policy: https://toptencarloans.com/cookie_policy.html
Terms of Service: https://toptencarloans.com/terms_of_service.html
By using the Site, you also acknowledge our Privacy Policy and Cookie Policy.
2. About the Site
TopTenCarLoans.com is a car loans comparison and information website. The Site may provide reviews, rankings, comparison content, guides, educational materials, advertisements, sponsored listings, and links to third-party auto loan providers, auto refinance platforms, lease buyout providers, marketplaces, lenders, brokers, financial service providers, dealerships, and other commercial partners collectively referred to as “Partners.”
We are not a lender, broker, bank, credit union, dealership, financial advisor, credit repair company, or provider of auto loan products. We do not make credit decisions, approve loans, issue loans, fund loans, service loans, or guarantee that you will qualify for any loan, rate, offer, or financing product.
Any loan, refinance, lease buyout, APR, rate, approval, repayment term, fee, or other financing information is provided for informational and comparison purposes only. Final terms are determined solely by the relevant Partner or lender.
3. Eligibility
The Site is intended for users who are at least 18 years old and legally able to enter into binding agreements.
By using the Site, you represent that:
You are at least 18 years old.
You have the legal authority to agree to these Terms.
Your use of the Site complies with applicable laws.
Any information you submit through the Site is accurate and provided voluntarily.
The Site is not directed to children under 16.
4. Use of the Site
The Site and its content are made available for personal, lawful, informational, and non-commercial use only.
You may view and use the Site for the purpose of researching, comparing, and learning about car loan providers, auto refinance options, lease buyout options, and related financial services.
You may not copy, modify, reproduce, republish, upload, post, transmit, scrape, sell, license, distribute, publicly display, commercially exploit, or create derivative works from the Site or its content without our prior written permission.
All content on the Site, including text, design, graphics, logos, rankings, reviews, layout, icons, software, data, and other materials, is protected by copyright, trademark, and other intellectual property laws.
Unauthorized use of the Site or its content may violate applicable law and may result in termination of your access to the Site.
5. Prohibited Uses
You agree not to use the Site in any way that:
Violates any applicable law, regulation, or third-party right
Is fraudulent, deceptive, misleading, harmful, abusive, or unlawful
Attempts to interfere with the operation or security of the Site
Uses bots, scrapers, crawlers, automated tools, or data extraction methods without permission
Attempts to reverse engineer, copy, or misuse any part of the Site
Attempts to gain unauthorized access to systems, data, accounts, or networks
Submits false, inaccurate, misleading, or unauthorized information
Uses the Site for commercial lead generation, resale, or competitive analysis without permission
Impersonates another person or entity
Interferes with another user’s ability to use the Site
Introduces viruses, malware, harmful code, or other disruptive technology
Uses the Site to send spam or unauthorized communications
We may restrict, suspend, or terminate access to the Site if we believe these Terms have been violated.
6. No Financial, Legal, or Professional Advice
The Site is provided for general informational and comparison purposes only.
Nothing on the Site should be understood as financial, legal, tax, credit, investment, or professional advice. You should not rely on the Site as the sole basis for making a financial decision.
Before applying for or accepting any loan, refinance, lease buyout, or other financial product, you should review all terms carefully and consider consulting a qualified professional where appropriate.
Your financial situation is unique, and any decision to apply for or accept a product from a Partner is your responsibility.
7. No Loan Guarantee
We do not guarantee that you will be approved for any auto loan, refinance loan, lease buyout loan, or other financial product.
We also do not guarantee:
Any specific APR
Any specific loan amount
Any specific monthly payment
Any specific repayment term
Any approval decision
Any lender or Partner availability
Any savings claim
Any credit score impact
Any eligibility outcome
Any funding timeline
All offers, rates, terms, approvals, fees, and conditions are determined by the relevant Partner or lender and may change at any time.
8. Accuracy of Information
We aim to provide useful, accurate, and up-to-date information, but we do not guarantee that any content on the Site is complete, current, accurate, or error-free.
Car loan rates, fees, terms, lender requirements, credit score guidelines, loan amounts, product availability, customer review scores, and other information may change without notice.
The Site may include information based on publicly available sources, Partner-provided information, third-party websites, user reviews, editorial analysis, or advertising materials. We do not guarantee that this information will always reflect the most current terms available.
You should always verify details directly with the relevant Partner or lender before applying for or accepting any financial product.
9. Rankings, Reviews, Sponsored Listings, and Advertising Disclosure
The Site may display rankings, reviews, comparison tables, sponsored placements, advertisements, affiliate links, or promoted offers.
We may receive compensation from Partners when you click a link, call a phone number, submit a form, apply for a product, complete a transaction, or otherwise interact with a Partner through the Site.
Compensation may affect where and how Partners appear on the Site, including ranking position, review order, placement, visibility, or presentation. However, we aim to provide useful information to help users compare available options.
Not all car loan providers, lenders, brokers, marketplaces, dealerships, or financial products available in the market are listed on the Site.
The appearance of a Partner on the Site does not mean that we endorse, guarantee, or recommend that Partner as the best choice for every user.
10. Third-Party Partners and Offers
The Site may link to or display offers from third-party Partners. These Partners are independent from us.
When you click a Partner link, submit a form, use a click-to-call feature, or visit a Partner website, you may be redirected to a third-party website, landing page, form, application, or service that we do not control.
Any interaction with a Partner is solely between you and that Partner. We are not responsible for:
Partner websites
Partner privacy practices
Partner terms and conditions
Partner loan decisions
Partner rates, fees, or offers
Partner communications
Partner customer service
Partner products or services
Partner representations or claims
Any transaction you enter into with a Partner
You should review each Partner’s terms, privacy policy, disclosures, and loan documents before submitting information or accepting any offer.
11. Forms, Calls, and User Information
The Site may allow you to submit information through forms, call features, contact tools, or other interactive features.
If you choose to submit information, you agree that the information you provide is accurate and that you are authorized to provide it.
By submitting a form, clicking a call button, requesting more information, or otherwise expressing interest in a Partner or product, you understand that we may share your information with relevant Partners or service providers as described in our Privacy Policy.
Partners may contact you by phone, email, SMS, or other methods, depending on the information you provide and any consent you give. We do not control how Partners contact you or how they process your information after it is provided to them.
For more information, please review our Privacy Policy:
https://toptencarloans.com/privacy_policy.html
12. Cookies and Tracking Technologies
The Site may use cookies, pixels, tags, scripts, local storage, and similar technologies for functionality, analytics, security, advertising, affiliate tracking, referral tracking, call tracking, and performance measurement.
These technologies may help us understand Site usage, improve content, measure outbound clicks, attribute referrals, prevent fraud, and support advertising or remarketing.
For more information about cookies and your choices, please review our Cookie Policy:
https://toptencarloans.com/cookie_policy.html
13. Intellectual Property
All content and materials on the Site are owned by us, licensed to us, or used with permission, unless otherwise stated.
This includes, without limitation:
Text
Articles
Reviews
Ratings
Rankings
Comparison content
Logos
Graphics
Icons
Images
Design
Layout
Data
Code
Software
Site structure
Branding
You may not use our name, trademarks, logos, content, rankings, reviews, or other materials without our prior written consent.
Nothing in these Terms grants you any ownership rights in the Site or its content.
14. User Submissions
If you submit feedback, comments, suggestions, reviews, messages, or other content to us, you grant us a worldwide, royalty-free, perpetual, irrevocable, transferable, sublicensable license to use, copy, modify, publish, display, distribute, and create derivative works from that content for business, operational, marketing, or Site-improvement purposes.
You represent that you have the right to submit such content and that your submission does not violate any law or third-party rights.
We may remove or decline to use any user submission at our discretion.
15. Third-Party Links
The Site may contain links to third-party websites for your convenience.
Clicking a third-party link means you may leave the Site. We do not control and are not responsible for third-party websites, services, content, policies, offers, products, or practices.
The inclusion of a third-party link does not imply endorsement, approval, sponsorship, or recommendation by us.
Your use of third-party websites is at your own risk and subject to the terms and policies of those third parties.
16. Disclaimer of Warranties
The Site and Services are provided on an “as is” and “as available” basis.
To the fullest extent permitted by law, we disclaim all warranties of any kind, whether express, implied, statutory, or otherwise, including warranties of:
Accuracy
Completeness
Reliability
Availability
Merchantability
Fitness for a particular purpose
Title
Non-infringement
Security
Error-free operation
Uninterrupted access
We do not warrant that the Site will be available at all times, free from errors, secure, virus-free, or that defects will be corrected.
You use the Site at your own risk.
17. Limitation of Liability
To the fullest extent permitted by law, Moonshot Marketing LTD., its affiliates, officers, directors, employees, contractors, agents, service providers, licensors, Partners, and suppliers shall not be liable for any indirect, incidental, special, consequential, exemplary, punitive, or similar damages arising from or related to your use of, or inability to use, the Site or Services.
This includes, without limitation, damages related to:
Lost profits
Lost revenue
Lost data
Business interruption
Loss of goodwill
Computer or device damage
Unauthorized access
Third-party websites
Partner offers
Loan decisions
Credit decisions
Financing terms
Errors or omissions in content
Reliance on Site information
To the fullest extent permitted by law, our total liability for any claim arising from or related to the Site or these Terms shall not exceed the amount you paid us, if any, to use the Site, or $100, whichever is greater.
Some jurisdictions do not allow certain limitations or exclusions of liability, so some of the above limitations may not apply to you.
18. Indemnification
You agree to defend, indemnify, and hold harmless Moonshot Marketing LTD., its affiliates, officers, directors, employees, contractors, agents, service providers, licensors, Partners, and suppliers from and against any claims, damages, losses, liabilities, costs, and expenses, including reasonable legal fees, arising from or related to:
Your use of the Site
Your violation of these Terms
Your violation of applicable law
Your submission of false or unauthorized information
Your infringement of third-party rights
Your interaction with Partners or third-party websites
Your misuse of Site content or Services
19. Termination or Restriction of Access
We may suspend, restrict, or terminate your access to all or part of the Site at any time, with or without notice, if we believe you violated these Terms, misused the Site, created risk for us or others, or for any other reason permitted by law.
We may also modify, suspend, discontinue, or remove any part of the Site or Services at any time without notice.
20. Changes to the Site
We may update, modify, replace, remove, or discontinue any content, ranking, review, comparison, offer, feature, Partner listing, page, or Service at any time without notice.
We do not guarantee that any content or feature will remain available.
21. Changes to These Terms
We may update these Terms from time to time. If we make changes, we will update the “Last Updated” date above.
If changes are material, we may provide additional notice where appropriate, such as by posting a notice on the Site.
Your continued use of the Site after updated Terms become effective means you accept the updated Terms.
The current version of these Terms is available at:
https://toptencarloans.com/terms_of_service.html
22. Governing Law
These Terms shall be governed by and interpreted in accordance with the laws applicable to Moonshot Marketing LTD., without regard to conflict-of-law principles.
Where applicable consumer protection laws require another jurisdiction’s laws or courts to apply, those mandatory rights will not be limited by these Terms.
23. Severability
If any part of these Terms is found to be invalid, unlawful, or unenforceable, the remaining provisions will remain in full force and effect.
The invalid or unenforceable provision will be interpreted or replaced to achieve the original intent as closely as legally possible.
24. No Waiver
Our failure to enforce any part of these Terms does not constitute a waiver of our right to enforce that or any other part of these Terms later.
25. Entire Agreement
These Terms, together with the Privacy Policy and Cookie Policy, form the entire agreement between you and us regarding your use of the Site and Services.
26. Contact Us
If you have questions about these Terms, you may contact us at:
Moonshot Marketing LTD.
2 Kaufmann Street
Tel Aviv-Yafo 6801294
Israel