TrueCostAuto Disclaimer

Last Updated: November 05, 2026

Welcome to the TrueCostAuto mobile application (hereinafter referred to as “the Application” or “this App”). Before using this Application, please read and understand this Disclaimer (hereinafter referred to as “this Disclaimer”) thoroughly. By accessing, downloading, or using this Application, you acknowledge that you have read, understood, and agreed to be bound by all terms of this Disclaimer.

For software licensing, garage tier quotas, and commercial terms, please review our End User License Agreement (EULA); for personal data handling and our zero-server architecture, please review our Privacy Policy.

1. Nature of the Software and Algorithmic Utility

• Pure Financial and Vehicle Ownership Cost Tool: TrueCostAuto is a technical modeling utility designed for car owners, prospective buyers, and automotive enthusiasts to calculate Total Cost of Ownership (TCO), simulate vehicle loan schedules, conduct multi-vehicle comparisons, and analyze depreciation trajectories.
• Local Algorithmic Modeling and Projections: The Application performs real-time client-side simulations and generates graphical breakdowns based entirely on user-provided inputs, such as vehicle purchase prices, interest rates, loan terms, official fuel/power consumption metrics, local energy prices, projected annual mileage, and standard accounting depreciation models (e.g., straight-line and double declining balance).

2. Non-Professional Financial, Tax, Legal, or Investment Advice

1. For Personal Reference Only: All charts, cost itemizations, residual value forecasts, interest expense summaries, and vehicle economic ratings generated by this Application are intended solely as qualitative and quantitative informational benchmarks for personal budgeting and household expense planning.
2. Not a Statutory or Legal Instrument: The calculation outputs and analytical summaries do not constitute statutory financial audits, tax filing documentation, certified used-car appraisals, binding insurance underwriting quotes, or commercial investment recommendations for vehicle acquisitions.
3. Precedence of Official Contracts: When executing actual vehicle purchases, applying for auto loans from banking institutions, purchasing commercial auto insurance, or paying statutory vehicle taxes, users must rely exclusively on binding commercial contracts, rate sheets, and official tax invoices formally issued and approved by relevant financial institutions, insurers, and government authorities.

3. Disclaimers Regarding Real-World Energy Consumption, Depreciation, and Market Volatility

• Discrepancies Between Theoretical Models and Real-World Conditions: Real-world fuel or electricity consumption is heavily influenced by dynamic operational variables, including individual driving behaviors, vehicle payloads, traffic congestion, terrain, ambient temperatures (e.g., winter battery degradation or summer air conditioning loads), tire pressures, and vehicle maintenance status. The theoretical models or official regulatory testing cycles (such as WLTC, CLTC, or EPA) utilized by this Application may exhibit statistical deviations from actual day-to-day fueling or charging expenses.
• Used Vehicle Residual Values and Market Dynamics: Vehicle depreciation curves and future residual value forecasts are derived from historical statistical regression models. In reality, secondary market prices fluctuate unpredictably due to manufacturer pricing strategies, automotive price wars, rapid electric vehicle technological iterations, vehicle collision histories, and local regulatory changes. The Developer makes no warranty, guarantee, or commitment regarding the future market trade-in or resale value of any vehicle.
• Exclusion of Financial Decision Consequences: Any financial loss, unexpected expense, vehicle depreciation shortfall, or interest rate differential resulting from purchasing, leasing, trading, or financing decisions made by the user based on the Application’s simulations is the sole responsibility of the user. The Developer disclaims any direct, indirect, incidental, or consequential financial liability.

4. Industry Benchmark Data and Market Quotations

• Reference Benchmark Sources: Built-in manufacturer suggested retail prices (MSRP), energy price ranges, and standard commercial insurance baseline coefficients are sampled from publicly available automotive industry reports and market datasets.
• No Guarantee of Real-Time Completeness: Given dynamic time-of-use energy rates, regional fueling station price fluctuations, and variable dealership incentives, the Developer strives to maintain sound algorithms but does not guarantee real-time precision, completeness, or exhaustive coverage across all localized vehicle markets. Users should manually calibrate input fields with actual local receipts and quotes.

5. Local Data Storage and Backup Disclaimer

• Local Private Storage: TrueCostAuto adheres strictly to a “Local-First” architecture. All vehicle profiles, expense ledgers, loan schedules, and maintenance logs are stored solely within your device’s local SQLite / SwiftData sandbox and are never transmitted to centralized cloud servers.
• Sole Responsibility for Backups: If vehicle logs, cost histories, or configuration profiles are lost due to application uninstallation, device loss, hardware failure, operating system reset, or failure to perform routine backups, the Developer cannot remotely recover such records and bears no responsibility for data loss. Users are strongly encouraged to utilize the system’s local or cloud backup mechanisms to periodically preserve critical asset archives.