Terms of Use

By accessing or using CredNavid (the "Site"), you agree to be bound by these Terms of Use. If you do not agree, please do not use the Site.

1. Purpose and Scope

CredNavid provides financial education content including articles, credit card comparisons, guides, and tools. This content is for informational purposes only and does not constitute financial, legal, tax, or investment advice. You should consult a qualified professional before making financial decisions.

2. Accuracy of Information

We make reasonable efforts to keep our content accurate and current. However, credit card terms, interest rates, fees, and promotional offers change frequently. Always verify current terms directly with the card issuer before applying. We are not responsible for errors or omissions in our content or for any decisions made based on that content.

3. Affiliate Relationships

Some links on this Site may direct users to third-party financial institutions or product providers. If CredNavid establishes affiliate relationships in the future, we may receive compensation when users take certain actions through eligible links. Any such relationships will be clearly disclosed. Compensation will not determine our editorial assessments or conclusions. See our affiliate disclosure in the footer for more information.

4. Intellectual Property

All content on this Site — including articles, guides, illustrations, and data compilations — is the property of CredNavid or its content providers and is protected by applicable copyright laws. You may not reproduce, distribute, or create derivative works from our content without written permission. Brief quotations with attribution and a link to the original source are permitted for non-commercial purposes.

5. Acceptable Use

You agree not to: scrape or systematically download site content; attempt to interfere with site operations; use the site for any unlawful purpose; or attempt to gain unauthorized access to any part of the site or its systems.

6. Disclaimer of Warranties

The Site and its content are provided "as is" without warranties of any kind, either express or implied. We disclaim all warranties including merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Site will be error-free or uninterrupted.

7. Limitation of Liability

To the maximum extent permitted by law, CredNavid shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of the Site or any content on it, including financial losses resulting from decisions made based on our content.

8. Third-Party Links

This Site links to external websites including card issuer websites and other financial product providers. We do not control and are not responsible for the content, privacy practices, or terms of these external sites. Links to third-party sites do not constitute an endorsement beyond our stated editorial assessment.

9. Changes to These Terms

We may update these Terms periodically. Continued use of the Site after changes constitutes acceptance of the revised Terms. We will update the "Last updated" date at the top of this page when changes are made.

10. Governing Law

These Terms shall be governed by and construed in accordance with applicable law. The specific jurisdiction and venue for resolving disputes has not yet been designated. This section will be updated when a formal legal jurisdiction is established.