Terms of Service
Acceptance of Terms
These Terms of Use describe the rules that apply to your use of Moneycredora. Using the site means you accept these rules. If you do not agree with any part of them, you should stop using the site. We reserve the right to modify these Terms, and the version published on this page is always the current version in force.
Use of the Service
Your use of Moneycredora is permitted on the basis that you (a) do not break the law, (b) do not interfere with the operation of the site or any other user's enjoyment of it, (c) do not attempt to access non-public areas of the service, (d) do not reproduce or republish our content beyond fair use, and (e) do not use any automated system (bots, crawlers, scrapers) in a way that imposes an unreasonable load on the service.
If a feature requires registration or sign-in, you are responsible for maintaining the confidentiality of any credentials you receive and for all activity that occurs under those credentials. You agree to notify us promptly of any unauthorized access. We may suspend or terminate access if we suspect a credential has been compromised or misused.
Intellectual Property
Content published on Moneycredora is protected by intellectual-property laws. Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable license to access and view the content for personal, non-commercial use. You may not extract, scrape, copy, or republish content beyond fair-use quotations without our prior written permission.
User Submissions
If you submit material to Moneycredora — for example a tip, a correction, or a letter for possible publication — you grant us a worldwide, royalty-free, non-exclusive license to publish, edit, abridge, and quote the material in connection with our editorial coverage, with appropriate attribution where you have requested it. You represent that you have the right to submit the material and that doing so does not violate any third party's rights.
Newsletter and Email Communications
If you sign up for the Moneycredora newsletter, we will use your email address to send the editions you have requested and, where permitted, occasional service messages related to your subscription. We will not pass your address to other organizations, and you can unsubscribe with a single click via the link in any email.
Third-Party Links and Sources
Outbound links from Moneycredora to other websites are provided for context and attribution. We do not endorse those sites and we have no control over their content or their treatment of your personal information. Once you click an outbound link, you have left our service and you are subject to whatever terms the third party publishes.
Disclaimer of Warranties
Moneycredora is provided on an "as is" and "as available" basis. To the maximum extent permitted by law, we disclaim all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, non-infringement, and any warranty arising from course of dealing or usage of trade. Editorial reporting is fact-checked but is not financial, legal, medical, or other professional advice and should not be relied on as such.
Limitation of Liability
Our total liability to you, taken in the aggregate, for all claims arising from or relating to Moneycredora or these Terms is limited to the greater of one hundred US dollars (USD 100) or any amount actually paid by you to us in the twelve months preceding the claim. This limitation applies to the maximum extent permitted by law and survives termination of these Terms.
Indemnification
You will indemnify and hold harmless Moneycredora and its operators from any third-party claim that arises from your use of the site in violation of these Terms or applicable law. This indemnification covers reasonable attorneys' fees and other costs of defense. We will give you prompt notice of any claim and will cooperate reasonably in the defense.
Suspension and Termination
Access to Moneycredora may be terminated by us at any time for breach of these Terms, suspected fraud or abuse, or operational necessity. You may discontinue use of the site at any time without notice. Provisions of these Terms that, by their nature, are intended to survive termination — such as intellectual-property rights, disclaimers, liability limits, indemnification, and dispute-resolution rules — survive termination.
Governing Law and Disputes
These Terms — and any dispute, claim, or proceeding arising out of them — are governed by the laws of the jurisdiction in which Moneycredora's operator is established. Each party agrees to the exclusive jurisdiction of the competent courts of that jurisdiction, except to the extent that mandatory consumer-protection laws of your country of residence override this arrangement.
Changes to These Terms and How to Reach Us
These Terms may be updated periodically. The version on this page is always the version in force, and the "Last updated" date shows when it took effect. Material changes are announced ahead of time where practical. To ask a question or raise a concern about these Terms, please contact us via the Contact form linked in the footer of Moneycredora.