Last updated: 23 September 2026
These terms govern your use of The Borrower’s Desk (ai-auto.blog). By using the site you accept them. If you do not accept them, please do not use the site.
1. This is information, not advice
Everything published here is general information about lending and personal finance. It is not financial, legal, tax or investment advice, and reading it does not create an advisory or client relationship of any kind.
The author is a loan consultant whose practice is based in South Korea and who is not licensed to advise borrowers in the United States or any other jurisdiction outside his own. Your income, credit history and circumstances are unknown to us. Before acting on anything you read here, speak with a licensed professional in your own country.
2. Accuracy and currency
Articles are prepared with care from publicly available sources, and figures reflect those sources at the time of writing. Lending rules, rates and programme eligibility change frequently and without notice. We make no warranty that any information on this site is current, complete or applicable to your situation, and we are not obliged to update articles after publication.
If you find an error, please tell us at lim4532@nate.com. Corrections are made when warranted.
3. Use of content
All text on this site is the property of the site owner and is protected by copyright. You may read it, print it for your own use and quote short extracts with a clear credit and a link back to the original page.
You may not republish articles in whole or in substantial part, on any platform, without written permission. Automated scraping, bulk copying and re-publication are not permitted.
4. Your conduct
When using this site, please do not attempt to interfere with its operation or security, submit unlawful or abusive material through comments or email, or misrepresent yourself as connected with the site. We may remove comments and restrict access where these terms are not respected.
5. External links
Articles link to lenders, regulators, government programmes and other third parties for your convenience. We do not control those sites, do not endorse them by linking, and accept no responsibility for their content, products or practices.
6. Advertising
This site is supported by advertising served through Google AdSense and its partners. Advertisements are selected by those services, not by us, and their appearance on a page is not an endorsement. How advertising cookies work, and how to opt out, is set out in our Privacy Policy.
7. Limitation of liability
This site is provided on an “as is” basis. To the fullest extent permitted by law, we exclude all warranties and accept no liability for any loss or damage arising from your use of, or reliance on, anything published here, including any financial decision you make.
8. Changes to these terms
These terms may be revised from time to time. The current version is always the one posted on this page, and the date at the top shows when it last changed. Continued use of the site after a change means you accept the revised terms.
9. Contact
Questions about these terms: lim4532@nate.com