Terms of Service

Who we are

Elak is operated by StrongSolo Labs, a sole proprietorship based in California, United States. When these terms say “we,” that’s who it means. When they say “you,” they mean the person using Elak.

Contact: strongsolo.labs@gmail.com

What Elak does

You upload your auto loan contract. We read it and give you a cheat sheet: what the terms mean in plain English, how your numbers compare to market data, anything unusual worth knowing about, and questions you can take back to the dealer.

Each upload can carry up to 8 files, 24 MB, and 600 pages in total, as PDFs, JPGs or PNGs.

Elak reads auto loan contracts — the retail installment contract you sign when you finance a car. It doesn’t handle leases, bank or credit union loans, or refinance offers.

What Elak isn’t

It doesn’t tell you whether your deal is good or bad, whether to sign, whether to walk away, or what to do next. It shows you what’s in the document and how it compares, and you decide what that means for you.

Elak is not a lawyer, not a financial adviser, not a tax adviser, and not a credit repair service. Using it doesn’t create any professional relationship between us. Nothing Elak produces is financial, legal, or tax advice. If you need advice, talk to someone licensed to give it.

We’re also not affiliated with any lender, dealer, or manufacturer, and nobody pays us to say anything about them.

What you’re paying for

One scan of one contract: $39, one time. No subscription, nothing that renews, nothing charged again.

The analysis runs before you pay. We read your contract first, then you pay, then your cheat sheet is revealed. That’s deliberate — you’re never charged for work that hasn’t happened.

Payment is handled by Stripe. We never see or store your card details.

Refunds

If the scan doesn’t finish, you’re never charged. Payment isn’t possible until the analysis is complete, so there’s nothing to refund — no money was taken.

If the scan finished and it wasn’t what you needed, email us and tell us what went wrong. We read every one — it’s how the product gets better — and we’ll refund you if it’s fair.

We’d rather hear from you than have you go to your bank. You’ll get a real reply from a real person.

What you’re promising us

When you upload a contract, you’re telling us three things:

It’s yours. You’re a party to the contract, or you have the right to upload it. Don’t upload someone else’s paperwork without their say-so.

You’ll use Elak for yourself. Not to scrape it, resell it, automate against it, or feed it documents that aren’t real contracts.

You won’t try to break it. No probing for vulnerabilities, no overwhelming it, no working around the way it’s meant to be used.

If you break these, we can stop serving you.

Your document stays yours

You keep ownership of everything you upload. You’re giving us permission to read and process your document for one purpose only: producing your analysis and running the service for you. Nothing wider than that.

When you upload, you agree that the loan figures from your contract — with the details that identify you removed — become part of the benchmarks Elak compares other contracts against. That consent is the checkbox on the upload page, and our Privacy Policy explains exactly what’s kept and what’s removed when you delete a scan.

What we don’t promise

Elak is provided as is. We’ve built it carefully, but we don’t guarantee it’s perfect.

We don’t promise the analysis is complete or free of errors. We read documents with software, and software misreads things. We don’t promise that the reference data we compare against is current or correct.

We don’t promise any outcome. Elak doesn’t get you a better rate, undo a contract, or change anything about the deal you signed. It explains what’s already there.

Check anything that matters against your actual contract. It’s the authority; we’re the explanation.

If something goes wrong

We’re not responsible for indirect or knock-on losses — money you might have saved, a deal that went badly, a decision you made after reading your scan.

If we’re ever found liable for something, our total liability is capped at $100. That’s a ceiling on any claim, not an amount owed.

Some of this doesn’t apply where the law says it can’t. Nothing here limits liability for fraud, and if you’re a California consumer, your rights under state law stand regardless of what this section says.

If there’s a dispute

These terms are governed by the laws of the State of California. Any dispute goes to the state or federal courts in California, and we both agree that’s where it happens.

Individually, not as a group. If you have a claim against us, you bring it for yourself. You agree not to bring it as a class action or join one against us.

Ending things

You can stop using Elak whenever you want. Delete your scans from your account, or email us to close it entirely.

We can suspend or end your access if you break these terms or use Elak in a way that harms it or other people. If we do, we’ll tell you why.

Scans you’ve already paid for stay yours until you delete them.

Changes

We’ll update these terms as Elak changes, and change the date at the top. Every scan records which version of these terms was in effect when you ran it, and that’s the version that governs it — a later change doesn’t reach back.

If a change matters, we’ll email account holders rather than quietly editing this page.

Contact

strongsolo.labs@gmail.com

Questions about any of this. Write in plain language; you’ll get the same back.