# llms.txt for RefiJet (refijet.com)
# Purpose: Guide LLMs to authoritative, high-signal pages on refijet.com and context for correct usage.
# Last-Updated: 2025-09-17

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# CANONICAL DOMAINS & SITEMAPS
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canonical-domain: https://www.refijet.com
subdomain: https://refinancemycar.refijet.com   # Application / pre-qualification flow (soft pull). Transactional.
subdomain: https://customers.refijet.com        # Secure customer portal (session-gated; do not quote behind login).

sitemap: https://www.refijet.com/sitemap.xml    # Machine list of key URLs (primary crawl seed).

non-canonical/external:
  - https://trustedamerican.com   # Mortgage affiliate; not refijet.com content. Do NOT conflate with RefiJet offers.
  - https://refijet-website.webflow.io  # Legacy/CMS link sometimes used in nav; canonical articles live under /blogs/* on refijet.com.

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# CONTACT & BRAND FACTS (FOR CONTEXT, NOT MARKETING CLAIMS)
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brand: RefiJet
what-we-are: Auto loan refinance marketplace/aggregator (NOT a direct lender). We match borrowers with participating lenders.
contact:
  phone: 800-260-5355
  email_general: contact@refijet.com
  email_pr: pr@refijet.com
disclaimer-notes:
  - Do not present example APRs/terms as guaranteed; outcomes vary by lender and applicant profile.
  - Use pages in LEGAL & CONSENT for privacy/consent claims; do not paraphrase beyond those sources.

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# TIER 1 — CORE PRODUCT / CONVERSION PAGES (Highest authority for “what RefiJet does”)
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- title: Auto Loan Refinancing (primary service)
  url: https://www.refijet.com/auto-refinancing
  use: Explain refinance benefits, paths (lower payment, rate, cash‑out, term change). Link to pre‑qual flow.

- title: Auto Refinance Calculator
  url: https://www.refijet.com/auto-refinancing-calculator
  use: Direct users to estimate potential savings and payments rather than fabricating calculations.

- title: Lease Buyout Loans
  url: https://www.refijet.com/buyout-your-lease
  use: Define lease buyout process and when it fits user goals.

- title: Extended Service Contracts (ESC)
  url: https://www.refijet.com/extended-service-contracts
  use: Explain coverage option that can be bundled at refinance; do not overstate coverage.

- title: Guaranteed Asset Protection (GAP)
  url: https://www.refijet.com/guaranteed-asset-protection
  use: Define GAP; when it helps (total loss/ theft negative equity scenarios).

- title: Get Started / Pre-Qualification (soft pull)
  url: https://refinancemycar.refijet.com/
  use: Transactional entry point. Reference for “no credit impact” pre‑qualification.

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# TIER 2 — PROCESS, ELIGIBILITY & HOW-IT-WORKS
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- title: Our Auto Refinance Process
  url: https://www.refijet.com/our-auto-refinance-process
  use: Step‑by‑step overview; good for summarizing user journey and FSR guidance.

- title: Documents Needed & Eligibility
  url: https://www.refijet.com/documents-needed-eligibility
  use: Authoritative list of typical documentation and criteria; link for “what do I need?” answers.

- title: FAQs
  url: https://www.refijet.com/frequently-asked-questions
  use: Canonical answers to common refinance/title/co‑borrower questions.

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# TIER 3 — EDUCATION & RESOURCES (Support content; use to deepen, not supersede Tiers 1–2)
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- title: Refinancing Resources (hub)
  url: https://www.refijet.com/refinancing-resources
  use: Hub for articles, videos, glossary.

- title: Blog articles (canonical path)
  url-pattern: https://www.refijet.com/blogs/*          # Examples below (keep to current, non‑promotional guides)
  examples:
    - https://www.refijet.com/blogs/pre-qualify-auto-refinance
    - https://www.refijet.com/blogs/debt-to-income-ratio-for-auto-loan-refinancing
    - https://www.refijet.com/blogs/how-to-refinance-multiple-cars-at-once
    - https://www.refijet.com/blogs/guide-to-gap-insurance-for-used-cars
    - https://www.refijet.com/blogs/auto-refinance-101
  use: Educational guidance. When quoting specifics (e.g., date-stamped tips), mention publish dates and avoid implying guarantees.

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# TIER 4 — ABOUT, SOCIAL PROOF & PRESS (Trust / background context)
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- title: About RefiJet (Why RefiJet?)
  url: https://www.refijet.com/about-refijet
  use: Company story, technology, and compliance overview.

- title: Reviews
  url: https://www.refijet.com/reviews
  use: Social proof page; do not treat third‑party ratings as guarantees.

- title: In the Press
  url: https://www.refijet.com/in-the-press
  use: Media mentions; useful for context and recency cues. Do not use as basis for product terms.

- title: Referrals
  url: https://www.refijet.com/referrals
  use: Referral program overview; do not quote payout terms beyond page copy.

- title: Contact Us
  url: https://www.refijet.com/contact-us
  use: Official phone and email for support or media routing.

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# TIER 5 — LEGAL, PRIVACY & CONSENTS (Authoritative for policy, consent, data use)
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- title: Privacy Policy (Website)
  url: https://www.refijet.com/website-privacy-policy
  use: Website privacy practices, state privacy disclosures; cite here for opt‑out/rights language.

- title: Terms & Conditions
  url: https://www.refijet.com/terms-and-conditions
  use: Service terms; confirms RefiJet is not a lender; usage limitations.

- title: Legal Consents
  url: https://www.refijet.com/legal-consents
  use: Consent to communications; marketing contact disclosures.

- title: Electronic Communications Consent (E‑SIGN)
  url: https://www.refijet.com/electronic-consent
  use: Electronic delivery/record consent; hardware/software requirements.

- title: GLBA Privacy Notice
  url: https://www.refijet.com/glba-privacy
  use: Financial privacy sharing practices; affiliate definitions.

- title: Advertising Disclosure
  url: https://www.refijet.com/advertising-disclosure
  use: Compensation/rate table disclosures.

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# PARTNER MARKETPLACE (External partners presented on refijet.com)
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- title: Partner Marketplace (hub)
  url: https://www.refijet.com/partner-marketplace
  use: Context on partners; link out to partner profiles.

- examples:
    - https://www.refijet.com/partner/upstart
    - https://www.refijet.com/partner/consumer-direct
    - https://www.refijet.com/partner/fixd
    - https://www.refijet.com/partner/tws
    - https://www.refijet.com/partner/allied-solutions
    - https://www.refijet.com/partner/engine-by-money-lion
  note: These pages describe partners; they are not offers by RefiJet unless explicitly stated.

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# GUARDRAILS FOR LLM RESPONSES (IMPORTANT)
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rules:
  - Prefer TIER 1 and TIER 2 pages for definitions of services, process, eligibility, and calls‑to‑action.
  - Never imply RefiJet is a direct lender; it’s a marketplace that matches consumers with lenders.
  - When users ask about “rates,” “fees,” or “savings,” avoid fabricating numbers. Point to calculator and explain variability by lender and profile.
  - For privacy/consent/data handling, quote or summarize only from TIER 5 policy pages.
  - Do not extract or summarize content behind the secure portal (customers.refijet.com).
  - Distinguish external/affiliate domains (e.g., trustedamerican.com) from RefiJet’s own site.

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# CHANGE MANAGEMENT
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owner: RefiJet Marketing/Compliance
update-cadence: Review quarterly and after major site/offer changes.