Important Disclaimer

OTD Guard is an independent informational analysis service. Scores, target prices, comparable transactions, interest calculations and suggested actions are estimates based on available information—not guarantees of market value, lender approval, dealer conduct or legal rights.

Manufacturer rebates and promotional APRs can have eligibility requirements, expiration dates and combination restrictions. Government taxes and fees vary by jurisdiction and transaction details. Verify final terms before signing.

“Potential savings” means the difference between supported scenarios or benchmarks; it does not mean money is guaranteed to be recovered or negotiated. “Known charges to review” is a sum of entered items, not a claim that those items are improper or fully removable.

Any “payment mismatch,” “payment-packing risk,” “hidden-fee risk,” or similar flag is an informational reason to review the transaction—not a legal finding that a dealer committed fraud, deception, an unlawful practice or any other violation.

OTD Guard is not affiliated with or endorsed by any manufacturer, dealership, lender, marketplace or government agency unless explicitly stated.

Automated analysis

OTD Guard may use automated AI systems and web research to read uploaded documents, classify fees, calculate financing economics and identify outside evidence. Automated outputs can be incomplete or wrong. Customers should verify material figures, eligibility requirements, taxes, fees and final contract terms before signing.