Terms of Use

Effective Date: February 13, 2026
Last Updated: February 13, 2026

Welcome to MyFirstCar. These Terms of Use ("Terms") govern your access to and use of the MyFirstCar website at myfirstcar.com (the "Site"), operated by SquarePoint Consulting LLC ("we," "us," or "our"), a limited liability company organized under the laws of Oregon.

By accessing or using the Site, you agree to be bound by these Terms. If you do not agree, please do not use the Site.

1. Educational Content — Not Professional Advice

This is the most important section for you to understand.

The content on MyFirstCar is provided for general educational and informational purposes only. Our articles, guides, calculators, and other materials are designed to help first-time car buyers learn about the process — but they are not a substitute for professional advice.

Specifically, our content does not constitute:

• Financial advice — We are not financial advisors. Talk to a qualified financial professional before making purchase or financing decisions.
• Legal advice — We are not attorneys. Consult a licensed attorney for legal questions about titles, contracts, lemon laws, or disputes.
• Mechanical or safety advice — We are not certified mechanics. Always have a qualified mechanic inspect a vehicle before purchase and follow manufacturer guidelines for maintenance and safety.
• Insurance advice — We are not insurance agents. Contact a licensed insurance professional for coverage recommendations.

Car prices, financing terms, insurance rates, laws, and regulations vary by location and change over time. Always verify current information with authoritative local sources before making decisions.

2. Who Can Use This Site

The Site is intended for users in the United States. Our content is designed for first-time car buyers, including teenagers (16+) and parents or guardians helping them.

If you are under 18, we encourage you to review this Site with a parent or guardian, particularly when it comes to financial topics like loans, insurance, and purchase decisions.

There are no age restrictions for reading our content, but the Site is not directed at children under 13. See our Privacy Policy for details on children's privacy.

3. Intellectual Property

3.1 Our Content

All content on the Site — including text, graphics, logos, images, icons, and the overall design — is the property of SquarePoint Consulting LLC or our content creators and is protected by United States copyright and other intellectual property laws.

You may:

• View and read our content for personal, non-commercial use
• Share links to our pages
• Quote brief excerpts with proper attribution and a link back to the original page

You may not:

• Reproduce, distribute, or republish our content in bulk without written permission
• Use our content to train AI models or for data mining without authorization
• Remove or alter any copyright notices or attributions
• Frame our Site or present our content as your own

3.2 Trademarks

"MyFirstCar" and the MyFirstCar logo are trademarks of SquarePoint Consulting LLC. Other product and company names mentioned on the Site are the trademarks of their respective owners and are used for identification purposes only.

4. Third-Party Links and Content

The Site contains links to third-party websites, products, and services. These links are provided for your convenience and do not signify our endorsement of those sites or their content.

We are not responsible for:

• The content, accuracy, or opinions expressed on third-party sites
• The privacy practices or security of third-party sites
• Any products or services offered by third parties
• Any damages or losses arising from your use of third-party sites

When you leave our Site, these Terms no longer apply. We recommend reviewing the terms and privacy policies of any site you visit.

5. Advertisements

The Site displays advertisements from third-party ad networks. These ads may be personalized based on your browsing activity (see our Privacy Policy for details).

The appearance of an advertisement on our Site does not mean we endorse, recommend, or guarantee the advertised product, service, or company. You interact with advertisers at your own risk.

6. The MyFirstCar App

We promote an upcoming mobile application called "MyFirstCar." The app is a separate product and will be governed by its own terms of service when it launches. References to the app on this Site are for informational and promotional purposes. Any app pricing, features, or availability mentioned on the Site are subject to change.

7. Disclaimer of Warranties

THE SITE AND ALL CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.

To the fullest extent permitted by law, we disclaim all warranties, including but not limited to:

• Implied warranties of merchantability, fitness for a particular purpose, and non-infringement
• Warranties that the Site will be uninterrupted, error-free, or free of harmful components
• Warranties regarding the accuracy, reliability, or completeness of any content

You use the Site and rely on its content at your own risk.

8. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, SQUAREPOINT CONSULTING LLC, ITS OWNERS, OFFICERS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM OR RELATED TO:

• Your use of (or inability to use) the Site
• Any decisions you make based on content found on the Site
• Any errors or omissions in our content
• Unauthorized access to or alteration of your data
• Any third-party content, products, or services accessed through the Site

IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU EXCEED ONE HUNDRED U.S. DOLLARS ($100.00).

Some jurisdictions do not allow the exclusion or limitation of certain damages, so some of the above limitations may not apply to you. In such cases, our liability will be limited to the fullest extent permitted by applicable law.

9. Indemnification

You agree to indemnify, defend, and hold harmless SquarePoint Consulting LLC, its owners, officers, employees, and agents from any claims, damages, losses, liabilities, and expenses (including reasonable attorneys' fees) arising from:

• Your use of the Site
• Your violation of these Terms
• Your violation of any rights of a third party

10. Acceptable Use

When using the Site, you agree not to:

• Use the Site for any unlawful purpose
• Attempt to interfere with the Site's operation or security
• Scrape, crawl, or harvest content from the Site in bulk without permission
• Use automated tools to access the Site in a way that burdens our infrastructure
• Impersonate any person or entity
• Transmit any malicious code, viruses, or harmful content

11. Governing Law and Disputes

These Terms are governed by and construed in accordance with the laws of the State of Oregon, without regard to its conflict of laws principles.

Any disputes arising from these Terms or your use of the Site shall be resolved in the state or federal courts located in Deschutes County, Oregon. You consent to the personal jurisdiction of these courts.

Before filing any claim, you agree to attempt to resolve the dispute informally by contacting us at contact@squarepointconsulting.com. We will try to resolve it within 30 days.

12. Changes to These Terms

We may update these Terms from time to time. When we make changes, we will update the "Last Updated" date at the top of this page. Material changes may also be communicated through a notice on the Site.

Your continued use of the Site after changes are posted constitutes your acceptance of the revised Terms. If you do not agree to the changes, please stop using the Site.

13. Severability

If any provision of these Terms is found to be unenforceable or invalid by a court, the remaining provisions will continue in full force and effect.

14. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and SquarePoint Consulting LLC regarding your use of the Site.

15. Contact Us

If you have questions about these Terms, contact us at:

SquarePoint Consulting LLC
Bend, Oregon
contact@squarepointconsulting.com