Auto Approve Review: Who Lends, What It Costs and the Record
Auto Approve, LLC, read from its own Terms, FAQ, footer, product, AI and lender pages, 17 posts and two Texas OCCC orders: not a direct lender but licensed as one in Texas, financed fees with no amounts printed, a 45- or 90-day first payment and four savings averages.
The short version
- Auto Approve, LLC, of St. Louis Park, Minnesota, arranges car refinance and lease buyout loans with partner lenders. Its posts say “Auto Approve is not a direct lender”; its page for lenders says they set the guidelines, “fund every loan” and pay Auto Approve “when a loan is booked.”
- Two Texas regulator orders describe Auto Approve, LLC as “a regulated lender licensed by the OCCC,” licence 161447. The first, in July 2024, ordered it to file a late annual report; the second, in July 2025, imposed a $750 penalty for another late report. Its own pages list no licences and no NMLS number.
- A quote uses a soft inquiry; its FAQ says “a ‘hard’ credit inquiry will occur” when you move forward, and its Terms let any lender it submits you to pull your report.
- There is no application fee, but the cost of the refinance “includes admin and document fees, title transfer fees, state fees,” plus any add-ons, all folded into the amount financed. No page prints an amount.
- The first payment is “typically due 45 days from the contract date,” with a “90-day deferred payment option for qualified applicants.” No page says whether interest runs meanwhile; on its own $30,000 example the extra 45 days would cost about $108.74 if it does (our arithmetic).
- Its pages print four different average monthly savings, from “over $100” to “$159+.” The CFPB complaint database lists no company under its name, and its Terms contain no arbitration clause; they apply Minnesota law.
Auto Approve is a Minnesota auto refinance company that shops your details to partner lenders, prepares the loan and title paperwork and deals with the DMV; a lender approves and funds the loan, and you pay that lender. On 26 October 2026 we read its Terms of Service and Privacy Policy (both revised 30 March 2026), FAQ, product, AI, lending-partner, HR-benefit, contact and careers pages, the footer every page shares and 17 of its resource posts, plus two orders from the Texas Office of Consumer Credit Commissioner (OCCC), its enforcement table and the CFPB’s complaint and enforcement records. We started no quote or application, opened no path its robots.txt closes, and have no commercial relationship with Auto Approve or any lender.
What Auto Approve is, and who actually lends
Auto Approve answers the question itself. A 29 December 2022 post titled “Is Auto Approve a Direct Lender?” replies: “Auto Approve is not a direct lender. ... Instead, Auto Approve connects people who want auto refinance loans or lease buyouts with banks, credit unions, and online lenders.” A 1 November 2025 post says Auto Approve “will gather offers for you from our network of lending partners,” and a representative helps you choose. After closing, says the FAQ, “You will begin to make your payments to the new lender.”
No page we read names a lender. The AI page counts “50+” partners, “banks, credit unions, and specialty finance companies, all operating under their own charters and regulatory oversight”; an April 2022 post says “hundreds of lenders.” The legal name of the lender on your contract is the first thing to check, because that is the company you will owe.
The clearest description of the arrangement is on a page written for lenders. It tells them: “You set the underwriting guidelines. You accept, decline, and fund every loan,” and “Auto Approve is simply the conduit.” The arrangement is “pay-for-performance,” and “you only pay when a loan is booked”; no page gives the amount. It says “We target consumers with solid repayment histories” and calls Auto Approve “a direct-to-consumer auto loan origination firm headquartered in Minneapolis and Chicago, originating since March 2017,” whose “400+ auto loan experts handle sourcing, verification, docs, and title work.”
Software does much of the matching. The AI page says “Over 50% of applicants” are “matched with an offer in one click” and “AI monitors 100% of customer interactions where consent is given,” while the Why Auto Approve page promises “no robots required.” Both can be true: you talk to a consultant, and software may review the call if you consent.
Where it is, who backs it, and the Texas licence
The Privacy Policy names the company: “Auto Approve, LLC.” Its contact page gives a corporate headquarters in St. Louis Park, Minnesota and an office in Chicago, and the careers page says “Founded in 2016.” Ownership is mentioned only in passing: the HR-benefit page says Auto Approve is “backed by Delaware Street Capital,” and the Privacy Policy refers to “our parent company” without naming it. We could not check either: Minnesota’s business-filings portal bars automated agents, the investor’s domain did not resolve, and the SEC’s robots.txt disallows EDGAR’s company search.
Auto Approve’s pages list no licences and print no NMLS number. Its Terms say loans are “only available to residents of states where Auto Approve or it’s lender network is licensed (if required) or authorized to make loans,” and the lender page claims “Nationwide” “Licensed coverage” and “state-level compliance across all 50 states.”
One regulator’s record is public. Two orders from the Texas OCCC, signed on 22 July 2024 and 23 July 2025, each open: “Auto Approve is a regulated lender licensed by the OCCC under Chapter 342 of the Texas Finance Code. Auto Approve operates under master file number 1700058026 at one licensed location, under license number 161447.” Both give a contact address in Plymouth, Minnesota. A company that is not a direct lender can still need this licence: as our Gravity Lending review read the OCCC’s rule on 16 October 2026, “Non-depository lenders who engage in making, transacting, or collecting loans with a rate of interest greater than 10% must be licensed by the OCCC.” What the orders were about is in the record section below.
We saw no other state licence. NMLS Consumer Access, the multistate register, answers plain requests with a Cloudflare challenge and its robots.txt disallows its entity pages for every agent, so we read no NMLS record; nor did we check whether the Texas licence is active today. Ask Auto Approve for its NMLS ID and your state’s licence before you sign.
What it refinances, and what it asks for
The home page sells Auto Refinance, an “Auto Lease Buyback” (the menu says Auto Lease Purchase) and Motorcycle Refinance: “Yep, we can refinance your bike too. Or your RV, ATV, or boat.” The FAQ is narrower: “Auto Approve refinances cars, trucks, and SUVs,” plus motorcycles and RVs, not “commercial vehicles and heavy equipment machinery,” and not “a vehicle under a company name.” A refinance can also add or remove a co-borrower.
Under “Own your car. We make it simple,” the lease page repeats the refinance copy with no lease-buyout terms; the motorcycle page does the same. A November 2025 post says you can “typically buy your leased car for the price of the residual value of the vehicle, plus any taxes and fees,” and a May 2026 post that the residual “is almost always non-negotiable.” Our lease buyout guide explains the residual and sales tax. It prints no qualification panel; this is the closest thing.
| Item | What Auto Approve prints | Where |
|---|---|---|
| Loan terms | No range; the footer’s advertised rate assumes a “loan term up to 72 months” | Footer disclosure |
| Credit score | No minimum; the footer’s advertised rate assumes a “730 minimum FICO credit score” | Footer disclosure |
| Vehicle age | Too old if “ten years or older,” though “Eligibility will vary from lender to lender”; the advertised rate assumes a “2019 model year or newer vehicle” | Post of 29 December 2022; footer |
| Vehicles | Cars, trucks, SUVs, motorcycles and RVs; no commercial vehicles, heavy equipment or company-owned vehicles | FAQ |
| Applicant | “over the age of 18” | Terms of Service |
| Documents | Driver’s license, proof of insurance, registration, pay stubs or proof of income, and the current loan contract (“optional”) | FAQ |
| Loan amount | None printed | None |
We do not repeat the advertised rate: it carries no date, and “All loans subject to credit and lender approval.” The 2022 post adds that a refinance may not work if “you do not have enough money or time left on your loan.” Our guides to credit scores and car loans and negative equity explain how lenders weigh both.
What it costs: no application fee, and the rest is financed
The FAQ answers in two parts: “No, Auto Approve does not charge an application fee,” and “completing your refinance requires no out of pocket fees.” But “the cost of refinancing your auto loan includes admin and document fees, title transfer fees, state fees (if applicable), and the cost of any extra services you choose to add, such as GAP and extended warranty or other optional service plans,” itemized in your refinance package. “No out of pocket” means borrowed: the footer says “all refinancing-related costs are included in the amount financed,” so you repay them with interest. No page says what the admin or document fee is, or whether Auto Approve or the lender charges it. Its general fee guide (5 September 2026) puts registration and title fees “somewhere around $150” and origination fees “between 1% and 2% of the principal amount”; it does not say either describes its own charges.
| Item | What Auto Approve says | Where |
|---|---|---|
| Application fee | “Auto Approve does not charge an application fee” | FAQ |
| Costs of the refinance | “admin and document fees, title transfer fees, state fees (if applicable)” and any add-ons; no amounts | FAQ |
| How they are paid | “included in the amount financed” | Footer disclosure |
| Who pays Auto Approve | The lender: “you only pay when a loan is booked” | Lending-partner page |
| Rate mark-up | “we never mark up the price you pay above the rate the bank offers” | Why Auto Approve |
| Who sets the rate and terms | The lender, which sets “the underwriting guidelines” | Lending-partner page |
The “No upselling. Ever.” promise covers the rate, passed on as “the rate the bank offers,” not the fees and add-ons in the loan. Compare the breakdown’s total with your payoff quote. Below, the printed terms of other refinance services this site has read, copied from that page’s records with its read date; not a ranking.
| Service (read) | What it says it is | Credit check it describes | Arbitration in its own terms |
|---|---|---|---|
| Auto Approve (26 Oct 2026) | “not a direct lender” | Soft inquiry for a quote; a hard inquiry “when you choose to move forward” | None found; Minnesota law |
| RefiJet (16 Oct 2026) | “not a lender” | Soft pull first; hard inquiry “when you formally apply” | None found |
| Gravity Lending (16 Oct 2026) | “a refinance brokerage” | “a hard pull” | Yes, no opt-out |
| Caribou (6 Oct 2026) | “not a lender” | Soft pull to check rates; hard pull if you continue | Yes, opt-out within 30 days |
| RateGenius (6 Oct 2026) | “In most cases, we are not the lender” | Soft inquiry to pre-qualify; hard pull on application | Yes, rejection within 30 days |
| Autopay (6 Oct 2026) | Part of The Savings Group, Inc. | “You authorize us to pull your credit report” | Yes, rejection within 30 days |
Four savings averages and one worked example
Auto Approve’s pages do not agree on how much its customers save. Each figure is its own claim; none says how it was measured or how much came from a longer loan rather than a lower rate.
| Where | What it says |
|---|---|
| FAQ | “Auto Approve customers save over $100 per month on average” |
| AI Refinancing page | “$159+” “Average monthly savings for borrowers who refinance through Auto Approve” |
| Post of 20 August 2026 | “Customers save an average of $135-$500/month” |
| HR Wellness page | “$130 To $500” “Typical monthly savings per employee”; lower down, “$130 to $500” “Average Monthly Savings” |
The HR page adds that “90 %” of refinances “beat the customer’s original loan rate,” then prints “4.6” above the same label lower down.
A 16 December 2025 post shows where a saving can come from. Its worked example takes a $30,000 loan “financed at 5.5% for 4 years”: payments of $697.69 a month and $3,489.12 of interest. Auto Approve then secures “a rate of 2.94% for the same 4 years,” for $663.23 a month and “$1,835 in interest,” “a difference of over $1600.” Our arithmetic reproduces each figure: $1,654.08 less interest, or $34.46 a month, with the whole $30,000 refinanced on day one and no fees.
So on $30,000 over four years, a rate cut of that size is worth $34.46 a month; averages of $100 to $159 need bigger balances, bigger cuts or longer terms, and a longer term adds interest. Auto Approve’s own posts say so: stretching the term means “you will end up paying more over the life of the loan since you will be paying interest for a longer time,” says one from 2022. Our refinancing guide sets out the test that matters: the total you will pay, not the monthly figure.
From quote to title: two credit checks, the lien and the first payment
The credit checks
The Terms you accept by asking for a quote authorize two kinds of pull: “You authorize Auto Approve to pull your credit report for prequalification purposes,” and “You also authorize any lender to which Auto Approve subsequently submits your application for credit to pull your credit report.” The FAQ: “Getting a quote does not affect your credit score,” because the “soft” inquiry “is viewable only by you,” but “When you choose to move forward with refinancing your vehicle, a ‘hard’ credit inquiry will occur and appear on your credit history.” The home page adds “No SSN Required” for a quote. If your application goes to several lenders, an August 2026 post promises “we’ll make sure your applications are all submitted within the window”; our refinancing guide explains why that limits the damage.
The steps and the rate lock
The FAQ lists six steps: you give personal, vehicle and employment details; “Our loan consultants will determine which loans you qualify for and walk you through your options”; “We will submit your application to your chosen lender”; Auto Approve prepares the documents for e-signature; it gets the loan funded and works with the DMV; and you pay the new lender. “In most cases you will receive a decision within minutes,” and a lender-approved offer is locked “so it does not change for up to 30 days.” Under the Terms you “may withdraw your inquiry or application at any time.”
The title and the lien
Moving the lien is the paperwork-heavy part of a refinance, and Auto Approve describes doing most of it: “Auto Approve will generate all of your new loan and title documents. We will send them to you for an e-signature,” then “We will also work with the DMV to take care of the vehicle title.” Its lender page says “Proprietary software handles payoff checks and title work,” and the Privacy Policy names “title processing companies with whom we share joint service agreements” among those it shares data with. A June 2026 post: “Register the change of lien with the DMV (depending on your location, your new lender may handle this, or when you refinance through Auto Approve, we take care of the paperwork filings).” The new lender then holds the title: “when your loan is paid off, your new lender will send you the title.”
Two cautions come from its own posts. In some states “you may need your new registration before refinancing, which may slow down the process by 4 to 6 weeks” (October 2026), and “You want to keep making payments on your original loan until you are sure that your new lender has paid off your old loan” (2022). Our guides to how a lien moves on a title and checking for a lien show how to confirm the old lien is released.
The first payment
The FAQ: “Your first payment is typically due 45 days from the contract date, which means you get to skip a payment. We even offer a 90-day deferred payment option for qualified applicants.” The Why Auto Approve page calls it “Skipping up to three payments.” A 2022 post says whose offer it is: refinance “with a lender that offers 90 days without payments,” since some lenders “offer no payments for 90 days as a perk.”
No Auto Approve page says whether interest builds while you wait. Caribou, as this site read it on 6 October 2026, prints it for the loans it arranges: “Interest on the loan begins to accrue on the loan closing date.” If your lender works the same way, the wait has a price. On Auto Approve’s own example of $30,000 at 2.94%, simple interest runs at about $2.42 a day, so moving the first payment from day 45 to day 90 adds about $108.74, by our arithmetic: more than three months of that example’s $34.46 monthly saving.
A skipped payment is not a free month. Auto Approve offers a first payment at 45 days, or 90 for some borrowers, but none of its pages says whether interest runs meanwhile. On its own $30,000 example, the extra 45 days would add about $108.74 if it does (our arithmetic). Ask the lender, in writing, when interest starts, and keep paying the old loan until its lender confirms the payoff.
GAP and vehicle protection plans
Auto Approve offers two add-ons with the loan. On GAP, the Auto Refinance page says “Guaranteed Asset Protection (GAP) usually comes with your loan. When you refinance, we will work with you to make sure your new loan includes the GAP coverage that makes sense for you.” Its posts call GAP “optional insurance” (November 2025 and March 2026), and the FAQ lists it among “extra services you choose to add.” Taken together, the pages describe GAP as something offered with most loans and bought by choice; ask which it is on your contract.
| Product | What Auto Approve says | Price it prints | Provider named |
|---|---|---|---|
| Guaranteed Asset Protection (GAP) | Covers “a gap between what insurance covers and what you owe on your car”; “usually comes with your loan” (product page) or “optional” (posts) | “most GAP coverage costs less than $14 a month” | None |
| Vehicle protection plan (a service contract) | “24/7 roadside assistance,” “Up to $50 per day rental reimbursement,” “Courtesy towing” and “Your choice of certified-ASE mechanic” | None; bundled “into your low monthly payments” | None |
The selling point for both is that they go into the loan. A 2022 post says “By rolling your vehicle protection payments into your car payments, you can bundle everything and save a lot of money,” and a 2023 post that “you are just paying a little extra every month on your financing payments.” Bundling spreads the cost; it does not shrink it. At face value, “less than $14 a month” comes to less than $672 over 48 months, or $1,008 over 72 months, before any interest on the amount financed (our arithmetic). No page names who issues either product or gives a contract or cancellation rule; ask for each one’s price, provider and refund terms in writing. Our guides to whether GAP is worth it (and getting a GAP refund), extended warranties and service contract costs help with the answers.
What you agree to: calls, data and Minnesota law
You accept Auto Approve’s short Terms of Service by “submitting a refinancing inquiry,” and most of their length is a contact consent. By accepting, “you expressly consent to be contacted by us, our agents, representatives, affiliates, or anyone calling on our behalf for all purposes, at any telephone number, or physical or electronic address you provide or at which you may be reached,” including “SMS messages,” “calls using prerecorded messages” and calls from “an auto telephone dialing system.” The Terms do not say the consent is optional or separate from the application. You also “consent to the sharing of the information you have provided” with its lender network.
The Privacy Policy (revised 30 March 2026) says “Auto Approve does not sell your personal information,” and the FAQ that it “does not sell, rent, or lease its customer lists to third parties.” It does share. Its table of personal information lists recipients including “Lending Partners, Credit Bureaus, SMS Providers, Cloud Hosting Services,” and sources including “Lead Aggregators” and “Affiliates.” It may share “with our business partners to offer you certain products, services, or promotions,” and with affiliates including “our parent company.” It keeps personal data “for a maximum period of seven years,” and answers California privacy requests “within 10 business days” and delivers the information “within 45 days.”
The dispute terms are notable for what is missing. The Terms contain no arbitration clause, no class-action or jury waiver and no limit on Auto Approve’s liability; their only rule on disputes is that they “shall be subject to the laws of the State of Minnesota.” No other page we read mentions arbitration. That sets Auto Approve apart from Gravity Lending, Caribou, RateGenius and Autopay, whose own terms provide for binding arbitration (the last three let you opt out within 30 days). Your loan contract with the lender is a separate document and may have an arbitration clause of its own; read it before you sign.
The Texas orders, the CFPB and the rest of the record
The OCCC’s enforcement table lists two actions against Auto Approve, LLC. Both concern annual reports, which, the orders say, are “due by May 1 of each year for the prior calendar year’s loan activity”; neither concerns how Auto Approve dealt with a borrower.
| Case | Signed | What the order says happened | What it ordered | OCCC table |
|---|---|---|---|---|
| L24-00085 | 22 July 2024 | Auto Approve “did not file its 2023 annual report with the OCCC on or before May 1, 2024” | Comply with and “cease and desist from violating” the reporting rules; file the 2023 report within 30 days; file future reports on time | “Final Order - Injunction,” closed 6 September 2024 |
| L25-129 | 23 July 2025 | It “did not file its 2024 annual report with the Commissioner on or before May 1, 2025” | “pay an administrative penalty in the amount of $750.00” within 30 days and file the 2024 report | “Final Order - Administrative Penalty,” closed 10 September 2025 |
The 2024 order warned that breaking it could bring “an administrative penalty of up to $1,000 per day.” The 2025 order records that “Auto Approve did not request a hearing on the Order, and the Order became final and enforceable,” and states the OCCC’s finding that, by filing late again, “Auto Approve has violated Chapter 342 of the Texas Finance Code and the OCCC’s Order.” These are filing violations, and the only regulator record we found.
The CFPB’s consumer complaint database has no company under Auto Approve’s name. Its company-name search returns nothing for “auto approve” or “autoapprove,” and five exact spellings, from “Auto Approve, LLC” to “AutoApprove,” return 0 complaints received through 25 October 2026. Its suggestions for “approve” are other companies that nothing we read ties to Auto Approve, so we count none. That is not evidence that no one has complained, and the CFPB has published no complaint narratives since 30 September 2026. A CFPB enforcement search for “auto approve” returned no results.
Web searches found no attorney-general action, FTC action or lawsuit naming Auto Approve, LLC, and we read no court filing, so this page describes none; a search is not a clearance. BBB’s site blocked our requests, so the “A+ rating from the Better Business Bureau” and “96% would-recommend rating on LendingTree” on Auto Approve’s pages are its own claims.
Where Auto Approve’s own pages disagree
Read side by side, Auto Approve’s pages and the Texas record disagree in eleven places.
| Topic | One page says | Another says |
|---|---|---|
| Average monthly savings | “over $100 per month on average” (FAQ) | “$159+” (AI page); “$135-$500/month” (August 2026 post); “$130 to $500” (HR page) |
| Lender or not | “Auto Approve is not a direct lender” (posts of 2022 and 2025) | “a direct-to-consumer auto loan origination firm” (lender page); a Texas Regulated Lender licence, 161447 (OCCC) |
| Loans funded | “$6B+” (AI page) | “$5B+” (HR page); “over $5.5 billion” (April 2026 post) |
| How many lenders | “50+” and “over 50” (AI page, September 2026 post) | “hundreds of lenders” (April 2022 post) |
| Where it is based | Corporate headquarters in St. Louis Park, Minnesota (contact page) | “headquartered in Minneapolis and Chicago” (lender page); a Plymouth, Minnesota contact address (OCCC orders) |
| People or software | “no robots required” (Why Auto Approve) | “AI monitors 100% of customer interactions where consent is given” (AI page) |
| Interest rates | “Interest rates are historically low right now” (Why Auto Approve) | Rates were “historically low a few years ago” (October 2026 guide) |
| GAP | “usually comes with your loan” (Auto Refinance page) | “optional insurance” (posts); an extra “you choose to add” (FAQ) |
| What it refinances | “Or your RV, ATV, or boat” (home page) | Cars, trucks, SUVs, motorcycles and RVs (FAQ) |
| The HR page’s figures | “90 %” of refinances beat the original rate; Google rating “4.6” | “4.6” above the same label; Google rating “4.5” (same page) |
| Unfinished product pages | “Own your car. We make it simple.” (Auto Lease Purchase) | The page body is the refinance copy, with no lease terms; the motorcycle page is the same |
Before you apply with Auto Approve
- Get your own numbers first. A payoff quote and the payments left, so you compare totals.
- Expect a hard inquiry. The quote is soft; moving forward is not, and each lender you are submitted to may pull your report.
- Get the lender’s name and contract. Read its note, fees and any arbitration clause before you e-sign.
- Ask for the itemized breakdown. Admin, document, title and state fees are financed; know each amount and who charges it.
- Ask when interest starts. Get in writing how a 45- or 90-day first payment works and whether interest runs meanwhile.
- Price each add-on separately. GAP and any protection plan: total cost, provider and refund terms.
- Keep paying the old loan. Until its lender confirms the payoff and the lien moves.
- Check the licence. Texas lists licence 161447; ask for the NMLS ID and your own state’s licence.
A credit union or a direct lender may quote you without the middle layer; see our guides to credit union auto rates, used car loan rates and preapproval. We have read other refinance services the same way: RefiJet, Gravity Lending, Caribou, RateGenius and Autopay. Whichever you use, our refinancing guide lists the traps to check before you sign. Auto Approve’s own site is at autoapprove.com.
Common questions
Is Auto Approve a lender or a broker?
It arranges loans that partner lenders make. Its posts say “Auto Approve is not a direct lender,” and its page for lenders says each lender sets the guidelines, funds every loan and pays Auto Approve when a loan is booked. It does hold a Texas Regulated Lender licence, 161447, according to two OCCC orders.
Is Auto Approve legit?
It is a Minnesota company, Auto Approve, LLC, which the Texas OCCC described in 2025 as a licensed regulated lender and fined $750 that year for a late annual report. The CFPB complaint database lists no company under its name, and the CFPB lists no enforcement action against it. Whether an offer suits you depends on the lender’s terms and the total cost.
Does Auto Approve do a hard credit pull?
Not for a quote: the FAQ says the quote uses a soft inquiry “viewable only by you.” When you move forward, “a ‘hard’ credit inquiry will occur,” and its Terms let any lender it submits your application to pull your report.
What fees does Auto Approve charge?
No application fee. The refinance “includes admin and document fees, title transfer fees, state fees (if applicable)” and any add-ons, all “included in the amount financed.” No page prints the amounts; ask for the itemized breakdown.
Can you skip car payments with Auto Approve?
Its FAQ says the first payment is “typically due 45 days from the contract date,” with a “90-day deferred payment option for qualified applicants.” No page says whether interest runs during the wait, so ask the lender.
Does Auto Approve do lease buyouts?
Yes, it advertises auto lease purchase loans and says it shops them with lenders “all across the country,” but its lease page prints no terms. A November 2025 post says the buyout price is typically “the residual value of the vehicle, plus any taxes and fees.”
Sources and further reading
- CFPB consumer complaint database
- CFPB auto loan resources
- CFPB: what is Guaranteed Asset Protection (GAP)?
- FTC: auto service contracts and warranties
- CFPB: what is a credit score?
Recall, complaint and safety-rating figures on this page were retrieved from the federal databases above on August 19, 2026. Federal data changes — re-check any VIN before you rely on it.
Published October 26, 2026 · last updated October 26, 2026. Found something out of date or wrong? Tell us and we will correct it.