Terms of Service
These Terms of Service (the "Terms") govern your access to and use of realcreditto.info (the "Website") and all content, tools and services offered on it (the "Services"), operated by RealCreditto ("we", "us" or "our").
Please read these Terms carefully. By accessing or using the Website, you agree to be bound by these Terms and by our Privacy Policy. If you do not agree, you must not use the Website.
1. About our Services
RealCreditto provides general information about loans, credit products and personal finance, including articles, reviews, comparison tables, calculators and links to third-party financial providers.
2. Eligibility
You must be at least 18 years old and have full legal capacity to use the Website. By using it, you confirm that you meet these requirements and that your use of the Website complies with the laws of the country where you live.
3. Information only, not financial advice
- All content on the Website is provided for general information purposes only and does not constitute financial, legal, tax or investment advice, or a recommendation to take out any particular product.
- Interest rates, fees, terms and conditions of third-party products may change at any time. Although we try to keep information accurate and up to date, we do not guarantee that it is complete, current or error-free. Always check the final terms directly with the provider before signing any agreement.
- Results from calculators and matching tools are estimates only and do not guarantee approval, a specific rate or any specific outcome.
- Borrowing money carries risk. Only borrow what you can afford to repay. Late or missed payments can lead to additional charges and damage your credit history. If you are unsure, consider speaking to an independent financial advisor or a free debt advice service.
4. Third-party providers and links
The Website contains links to websites operated by lenders and other third parties. When you follow such a link, you leave our Website and any relationship you enter into is solely between you and that third party, under its own terms and privacy policy. We do not control, endorse or take responsibility for third-party websites, products, decisions or actions, including approval or rejection of applications, interest rates, fees, collection practices or customer service.
5. Advertising and compensation disclosure
We may receive a commission or referral fee from some providers when you click on their links or obtain a product from them. This compensation may influence which products we feature and the order in which they appear, but it does not change the price you pay. We do not include every provider or product available on the market.
6. Your obligations
When using the Website, you agree not to:
- provide false, misleading or someone else's information in any form;
- use the Website for any unlawful or fraudulent purpose;
- attempt to gain unauthorized access to the Website, its servers or any connected systems;
- introduce viruses, malware or any other harmful code;
- use bots, scrapers or other automated means to collect content or data from the Website without our written permission;
- interfere with the normal operation of the Website or impose an unreasonable load on its infrastructure;
- copy, reproduce or impersonate RealCreditto, its brand or its content.
We may suspend or block access to the Website for anyone who breaches these Terms.
7. Intellectual property
All content on the Website, including text, graphics, logos, design, calculators and software, is owned by or licensed to RealCreditto and is protected by copyright, trademark and other intellectual property laws. You may view and print content for your personal, non-commercial use. Any other use, including reproduction, distribution or modification, requires our prior written consent. Third-party trademarks shown on the Website belong to their respective owners.
8. User submissions
If you send us feedback, reviews, comments or other content, you confirm that it is accurate, lawful and does not infringe anyone's rights, and you grant us a non-exclusive, royalty-free, worldwide license to use, publish and adapt it in connection with the Website. We may remove any submission at our discretion.
9. Disclaimer of warranties
The Website and Services are provided "as is" and "as available", without warranties of any kind, whether express or implied, including warranties of accuracy, merchantability, fitness for a particular purpose and non-infringement. We do not warrant that the Website will be uninterrupted, secure or free of errors or harmful components.
10. Limitation of liability
To the fullest extent permitted by law, RealCreditto, its owners, employees and partners will not be liable for any indirect, incidental, special, consequential or punitive damages, or for any loss of profits, data, savings or opportunities, arising from or related to your use of, or inability to use, the Website or any third-party product accessed through it. Our total liability for any claim relating to the Website will not exceed one hundred (100) US dollars.
Nothing in these Terms excludes or limits liability that cannot be excluded or limited under applicable law, including liability for fraud or for death or personal injury caused by negligence, or your statutory rights as a consumer.
11. Indemnification
You agree to indemnify and hold harmless RealCreditto and its owners, employees and partners from any claims, losses, damages and expenses, including reasonable legal fees, arising from your breach of these Terms or your misuse of the Website.
12. Privacy
Our collection and use of your personal information is described in our Privacy Policy, which forms part of these Terms.
13. Changes to the Website and these Terms
We may modify, suspend or discontinue any part of the Website at any time without notice. We may also update these Terms from time to time. The updated version will be posted on this page with a new "Last updated" date. Your continued use of the Website after changes are posted means you accept the updated Terms.
14. Governing law and disputes
These Terms are governed by the laws of Ukraine, without regard to its conflict of law rules. Any disputes will be resolved by the competent courts of Ukraine, unless mandatory consumer protection laws of your country of residence give you the right to bring proceedings in your local courts. Before starting any formal proceedings, we encourage you to contact us so we can try to resolve the issue informally.
15. General
- If any provision of these Terms is found invalid or unenforceable, the remaining provisions will remain in full force.
- Our failure to enforce any right or provision does not constitute a waiver of that right.
- These Terms, together with the Privacy Policy, form the entire agreement between you and us regarding the Website.
- We may transfer our rights and obligations under these Terms to another organization. You may not transfer yours without our written consent.
16. Contact us
If you have any questions about these Terms, contact us at:
RealCreditto
Email: support@realcreditto.info