Terms of Use

Last updated November 7, 2026.

CarDiscern is an independent website, operated by Ian Balekdjian. By using it, you agree to these terms. If you do not agree, please do not use the site.

Information only

The site provides general educational information. It is not insurance, legal or financial advice. We are not an insurance company, agent or broker and do not sell insurance or issue quotes. No insurance contract, agency relationship or advisory relationship is created by using the site.

Estimates and data

Calculator results are simplified estimates, not quotes, offers or predictions of what you will be charged. State figures are averages from a third-party source and may be out of date or contain errors. Only an insurer can give a binding quote, so confirm all details with an insurer or licensed agent before making a decision.

Third-party links and ads

The site may contain ads, affiliate links and links to other websites. We do not control those sites and are not responsible for their content, products, prices or practices. Your dealings with them are between you and them.

Acceptable use

Please do not use the site unlawfully, interfere with its operation or republish substantial parts of it as your own.

Intellectual property

Original site content belongs to CarDiscern or its licensors. Source data belongs to its respective owners. You may link to our pages and quote short excerpts with attribution.

No warranty and limitation of liability

The site is provided "as is" and "as available", without warranties of any kind, to the fullest extent permitted by law. To the same extent, CarDiscern is not liable for any indirect, incidental or consequential loss, or for any loss arising from your reliance on the site. Some jurisdictions do not allow certain limits, so parts of this section may not apply to you. Nothing in these terms removes rights that cannot be waived under the law of your country.

Governing law

These terms are governed by the laws of Lebanon, where the site's operator is based. This does not take away any mandatory consumer protections you have under the law of the country where you live, or your right to bring a claim there.

Severability

If any part of these terms is found unenforceable, the rest stays in effect.

Changes and contact

We may update these terms and will change the date above when we do. Continued use of the site means you accept the updated terms. Questions can be sent to [email protected].