About Auto
Contract Audit
Auto Contract Audit was created after seeing how many drivers pay for vehicle add-ons without fully understanding what they purchased, how to use them, or whether they may be refundable.
We are not a dealership, lender, insurance company, or law firm. We are a consumer assistance service focused on contract review, refund support, and documentation.
Many Car Buyers Pay for Add-Ons They Don’t Understand
Dealership finance offices may include warranties, GAP, paint protection, tire and wheel coverage, service contracts, maintenance plans, theft protection, and other add-ons.
Hidden Add-Ons
Products may be included in the finance agreement without being clearly explained
High Payments
Add-ons can increase the amount financed and monthly payment.
Still Paying Repairs
Many drivers still pay out of pocket because coverage is limited.
Confusing Contracts
Refund rules can be buried in separate product documents.
Professional Review and Refund Assistance
We help consumers understand what they paid for and whether unused value may exist.
Free Contract
Review
Our experts carefully review your vehicle service contract to identify billing errors, hidden fees, duplicate charges, and potential refund opportunities — completely free of charge.
Refund Eligibility
Report
Receive a detailed assessment outlining any refundable amounts, contract discrepancies, and opportunities for financial recovery based on your agreement.
Refund Request Letter
Preparation
We prepare a professionally structured refund request letter on your behalf, making it easier to submit your claim and pursue the compensation you may be owed.
How It Works
A simple review process for confusing car contracts.
Upload Your Documents
ACA Reviews Your Agreements
Receive Your Findings
Choose Your Next Step
Your Documents Stay Private & Protected
At Auto Contract Audit (ACA), we understand that your vehicle contracts and financial documents contain sensitive personal information. That is why we take customer privacy and data protection seriously. We use secure, encrypted systems, protected storage technology, and restricted internal access procedures designed to help safeguard your uploaded documents and personal information. Your documents are used solely for contract review and audit purposes and are never sold to third parties.
Secure encrypted document
uploads- Restricted access to authorized
ACA personnel only
- Customer documents are never
publicly shared
- Personal information is not
sold to third parties
- Secure website connection (SSL
protected)
- Customer confidentiality
standards enforced
- Documents reviewed only for
audit purposes
- Optional document deletion
request available
Add-Ons We Review
We do not focus on one company. We review the entire F&I add-on system.
GAP / Debt Cancellation
Check payoff status, total loss rules, cancellation rights, and refund formula.
Zurich Shield Appearance
Review paint, fabric, appearance protection, and claim/cancellation terms.
Maintenance Plans
Compare prepaid value to services actually received or remaining.
Extended Warranty
Review provider, term, mileage limit, covered parts, and prorated refund rules.
Confusing Contracts
Identify unclear terms, fees, cancellation provisions, and obligations across your contract documents.
Theft / VIN Etching
Review whether product was optional, overpriced, or cancelable.
Frequently Asked Questions
We do not focus on one company. We review the entire F&I add-on system.
Auto Contract Audit (ACA) reviews vehicle purchase contracts to help consumers better understand the terms, products, services, fees, and optional add-ons included in their agreements. Our reviews are provided for educational and informational purposes to promote consumer awareness and informed decision-making.
Auto Contract Audit is not a law firm and does not provide legal advice, legal opinions, or legal representation. Our services are educational and administrative in nature and are designed to help consumers better understand their vehicle contracts.
ACA does not represent customers in legal matters, negotiate on their behalf as legal counsel, or appear in court. We do not establish an attorney-client relationship through any of our services.
If a situation requires legal advice or legal representation, customers should consult a licensed attorney in their jurisdiction. If appropriate, ACA may recommend that a customer seeks independent legal counsel, but ACA does not provide or supervise legal services.
