Disclaimer

Last Updated: November 2025

Important Information – Please Read Carefully

This disclaimer applies to all vehicle history reports and services provided by CarHPI.com. By using our Service, you acknowledge that you have read, understood, and agreed to this Disclaimer.

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1. Information Accuracy and Completeness

1.1 Third-Party Data Sources

All vehicle information provided by CarHPI.com is sourced from third-party databases and official records including:

• DVLA (Driver and Vehicle Licensing Agency)
• MOT History Database
• Police National Computer (PNC)
• Motor Insurance Anti-Fraud and Theft Register (MIAFTR)
• Finance and leasing company records
• Insurance industry databases

IMPORTANT: We provide this information “as is” without any warranty as to its accuracy, completeness, or currency.

1.2 Data Limitations

Our reports may NOT include:

• ❌ Unreported accidents or damage
• ❌ Private repairs not recorded officially
• ❌ Service and maintenance history
• ❌ Modifications or aftermarket parts
• ❌ Insurance claims that didn’t result in write-offs
• ❌ Mileage changes between MOT tests
• ❌ Incidents that occurred outside the UK
• ❌ Recent changes not yet updated in source databases
• ❌ Grey imports or parallel imports from abroad
• ❌ Cosmetic damage or minor incidents

1.3 Data Updates

Vehicle data is updated periodically by source providers. There may be a delay between:

• An incident occurring and being recorded
• A finance agreement being settled and being removed from records
• Keeper changes and database updates
• Repairs being completed and records being updated

We cannot guarantee that information is up-to-date at the time of your check.

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2. Not a Substitute for Professional Inspection

2.1 Physical Inspection Required

⚠️ CRITICAL WARNING: A CarHPI vehicle history report is NOT a replacement for:

• Professional mechanical inspection by a qualified mechanic
• Test drive to assess vehicle condition
• Independent vehicle assessment before purchase
• HPI verification through official DVLA channels (if in doubt)
• Physical examination of damage, wear and tear, or repairs

2.2 Hidden Issues

Even a “clear” report does not guarantee:

• The vehicle is in good mechanical condition
• All previous damage has been properly repaired
• The vehicle is safe to drive
• There are no underlying mechanical faults
• The odometer reading is accurate
• The vehicle matches its description

ALWAYS have a qualified mechanic inspect any vehicle before purchase.

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3. Not Financial, Legal, or Professional Advice

3.1 Information Only

CarHPI.com provides information only. Our reports do NOT constitute:

• Financial advice
• Legal advice
• Professional recommendations
• Investment guidance
• Valuation services
• Insurance advice
• Purchase recommendations

3.2 Your Responsibility

You are solely responsible for:

• Verifying information independently
• Making your own purchase decisions
• Seeking professional advice where appropriate
• Conducting due diligence
• Assessing vehicle condition
• Negotiating purchase terms
• Understanding legal obligations

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4. Limitation of Liability

4.1 No Warranties

CarHPI.com provides all information and services:

• “AS IS” without warranties of any kind
• WITHOUT guarantee of accuracy or completeness
• WITHOUT guarantee that data is error-free
• WITHOUT liability for third-party data errors

4.2 What We Are NOT Liable For

CarHPI.com, its directors, employees, and affiliates are NOT liable for:

Decisions and Outcomes:

• Purchase decisions based on our reports
• Financial losses resulting from vehicle purchases
• Vehicles that don’t meet expectations
• Hidden defects not shown in our reports
• Inaccurate valuations or overpayment

Data Issues:

• Errors in third-party data sources
• Delays in database updates
• Missing or incomplete information
• Data entry errors by official sources
• Contradictory information from multiple sources

Consequential Damages:

• Loss of profit or business opportunities
• Personal injury or property damage
• Indirect, incidental, or consequential losses
• Time, money, or resources spent based on our reports

Third-Party Actions:

• Seller misrepresentation
• Fraud or deception by sellers
• Vehicle condition not matching description
• Disputes with sellers or dealers
• Legal disputes arising from purchases

4.3 Maximum Liability

In any event, our total liability shall not exceed the amount you paid for the specific vehicle check in question (maximum £5.00 for GOLD tier).

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5. Stolen Vehicle Check Limitation

5.1 Police National Computer Data

Our stolen vehicle check is based on Police National Computer (PNC) data provided through third-party data suppliers.

This check does NOT guarantee:

• The vehicle has never been stolen (only that it’s not currently recorded as stolen)
• Recent theft reports have been processed
• All stolen vehicles are recorded on the database
• Cross-border theft records (international)
• The vehicle won’t be reported stolen after your check

5.2 Due Diligence

If purchasing a vehicle:

• Request proof of ownership from the seller
• Verify V5C registration document authenticity
• Check the VIN matches across all documents
• Be wary of suspiciously low prices
• Meet at the seller’s home address (not car parks)
• Report concerns to police (Action Fraud: 0300 123 2040)

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6. Finance Check Limitation

6.1 Outstanding Finance Data

Our finance check searches UK finance and leasing company records.

This check does NOT guarantee:

• All finance agreements are recorded
• Recent agreements have been registered
• Private loans or informal arrangements are shown
• Finance from overseas lenders is included
• The finance will be settled before your purchase

6.2 Legal Responsibility

IMPORTANT: If you purchase a vehicle with outstanding finance:

• The finance company legally owns the vehicle
• The vehicle can be repossessed even after you’ve paid the seller
• You may lose both the vehicle and your money
• Always verify the seller has proof of ownership and finance settlement

If in doubt, contact the finance company directly before purchase.

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7. MOT History and Mileage

7.1 MOT Data Limitations

MOT history is sourced from official DVLA MOT databases but:

• Only shows MOT test results (not service history)
• May not include very recent MOT tests (24-48 hour delay)
• Historical data may have gaps or errors
• Failed tests between passes may not always appear
• Advisories are recorded by individual testers (quality varies)

7.2 Mileage Verification

Mileage checks are based on MOT test records only:

• Cannot detect clocking between MOT tests
• Cannot verify first registration mileage
• Cannot detect private odometer tampering
• Cannot guarantee current mileage is accurate

Consistent MOT mileage does NOT guarantee the odometer hasn’t been altered.

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8. Insurance Write-Off Categories

8.1 Write-Off Data

We check MIAFTR (Motor Insurance Anti-Fraud and Theft Register) for write-off records.

This check does NOT guarantee:

• All incidents are recorded (only insurance write-offs)
• Private repairs or minor accidents are shown
• The extent of damage or repair quality
• The vehicle is safe after repairs
• Recent write-offs have been registered (may be delays)

8.2 Category Explanations

Write-off categories have different meanings:

• Category A: Scrap only, cannot be repaired
• Category B: Body shell must be crushed, parts can be salvaged
• Category S (formerly C): Structural damage, repairable
• Category N (formerly D): Non-structural damage, repairable

A repaired Category S or N vehicle may be roadworthy but:

• May have reduced value (20-40% less than market value)
• May have higher insurance premiums
• Repairs should be verified by qualified mechanic
• Future buyers will see the write-off history

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9. Damage Photos

9.1 Photo Availability

Damage photos are provided where available from insurance industry sources.

IMPORTANT:

• Photos may not be available for all damaged vehicles
• Photos may not show all damage sustained
• Photos are from the time of initial assessment (may be years old)
• Photos do not show current condition after repairs
• Photo quality varies depending on source

9.2 Photo Interpretation

Damage photos are for reference only:

• Do not assess repair quality
• Do not show vehicle’s current condition
• May not include all angles or damage areas
• Cannot replace physical inspection

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10. Keeper History

10.1 Previous Keeper Information

GOLD tier checks include the number of previous keepers.

This information:

• Shows quantity only (not identities, due to GDPR)
• May not include very recent keeper changes
• Does not indicate how each keeper used the vehicle
• Does not show reasons for sale

More keepers does NOT necessarily indicate problems – could be lease vehicles, company cars, or natural turnover.

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11. Digital Products – No Refunds

11.1 Instant Delivery

All vehicle checks are digital products delivered instantly upon purchase.

ALL SALES ARE FINAL:

• Information is accessed immediately
• Data cannot be “returned” once viewed
• No refunds for checks already performed
• No refunds for bundle packages

11.2 Before You Purchase

Use the FREE tier first to ensure our service meets your needs before purchasing SILVER or GOLD tiers.

11.3 Exceptional Circumstances

Refunds may be considered ONLY for:

• Technical failure preventing report delivery
• Duplicate accidental purchases (within 5 minutes)
• Clear error on our part

Contact support@carhpi.com within 24 hours if you believe an exception applies.

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12. User Responsibilities

12.1 Your Obligations

By using CarHPI.com, you agree to:

• ✓ Verify all information independently
• ✓ Conduct physical vehicle inspections
• ✓ Seek professional advice where appropriate
• ✓ Use reports as a guide only, not a guarantee
• ✓ Accept responsibility for purchase decisions
• ✓ Not rely solely on our reports
• ✓ Check information accuracy with source providers if in doubt

12.2 What NOT to Do

Do NOT:

• ✗ Make purchase decisions based solely on our reports
• ✗ Assume a “clear” report means the vehicle is perfect
• ✗ Skip physical inspection or test drive
• ✗ Ignore warning signs during vehicle viewing
• ✗ Purchase without seeing proof of ownership
• ✗ Rely on our reports for legal or financial advice

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13. External Links and Third Parties

13.1 Third-Party Content

Our Website may contain links to third-party websites (e.g., Trustpilot, Stripe).

We are NOT responsible for:

• Content on external websites
• Privacy practices of third parties
• Accuracy of external information
• Services provided by third parties

13.2 Data Source Responsibility

We rely on third-party data providers.

If you believe information is incorrect:
1. Contact the original source directly:

• DVLA: https://www.gov.uk/contact-the-dvla
• MOT History: https://www.gov.uk/check-mot-history
• Police (theft): Action Fraud 0300 123 2040

2. Request corrections from the source
3. Contact us at support@carhpi.com to update our records

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14. Geographic Limitations

14.1 UK Vehicles Only

CarHPI.com provides information for UK-registered vehicles only.

We cannot check:

• Vehicles registered outside the UK
• Grey imports before UK registration
• Vehicles with foreign registration plates
• European or international vehicle histories

14.2 Cross-Border Incidents

Our data sources are UK-based. Incidents that occurred outside the UK (accidents, theft, repairs) may not appear in our reports.

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15. Changes and Updates

15.1 Disclaimer Updates

We may update this Disclaimer to reflect:

• Changes in data sources or services
• Legal or regulatory requirements
• Industry best practices

Continued use of the Service after changes constitutes acceptance of the updated Disclaimer.

15.2 Service Availability

We reserve the right to:

• Modify or discontinue services without notice
• Change pricing structures
• Update data sources or providers
• Limit access to certain features

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16. Legal Notices

16.1 Governing Law

This Disclaimer is governed by the laws of England and Wales.

16.2 Severability

If any provision of this Disclaimer is found unenforceable, the remaining provisions remain in full effect.

16.3 Entire Agreement

This Disclaimer should be read in conjunction with our:

• Terms and Conditions
• Privacy Policy

Together, these documents constitute the complete agreement between you and CarHPI.com.

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17. Consumer Rights

Nothing in this Disclaimer affects your statutory rights as a consumer under UK law, including rights under the Consumer Rights Act 2015 and Consumer Contracts Regulations 2013.

However, as our service provides information only (not physical goods), certain consumer protections may not apply.

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18. Contact Information

Questions or Concerns?

If you need clarification about any aspect of this Disclaimer:

Email: legal@carhpi.com
Support: support@carhpi.com
Address: CarHPI Limited, [Your Business Address]

Complaints

If you believe information in your report is incorrect: 1. Email support@carhpi.com with your transaction ID 2. Provide evidence of the error 3. We will investigate and respond within 5 business days

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Summary: Key Points to Remember

• ✓ Reports are guides only – not guarantees of vehicle condition
• ✓ Always get professional inspection – by a qualified mechanic
• ✓ Data comes from third parties – we cannot guarantee 100% accuracy
• ✓ No refunds on digital products – all sales are final
• ✓ You decide – we provide information, you make purchase decisions
• ✓ Verify independently – check critical information with official sources
• ✓ Use common sense – if something seems wrong, investigate further

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Final Warning

⚠️ PURCHASING A VEHICLE IS A SIGNIFICANT FINANCIAL DECISION

A CarHPI report is a valuable tool in your research process, but it is NOT a substitute for:

• Professional mechanical inspection
• Test driving the vehicle
• Verifying seller identity and ownership
• Checking the vehicle matches its description
• Using common sense and due diligence

If you have ANY doubts about a vehicle, DO NOT purchase it until concerns are resolved.

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By using CarHPI.com, you acknowledge that you have read and understood this Disclaimer and agree to use our Service accordingly.

Last Updated: November 2025