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Terms of use
These terms explain your rights and responsibilities when using this website.
Terms and conditions
These terms govern use of this website, including its articles, advertising, support pages, and disclosures. Additional terms may apply on any third-party advertiser or partner site you choose to visit.
1. Introduction
These terms apply to crediblereviews.org and to the transactions, information, advertisements, links, and services related to this website. If additional contracts or third-party terms apply, those terms control the relationship with that third party.
2. Binding
By accessing or otherwise using this website, you agree to be bound by these terms. If we add a service with additional terms, we may ask you to agree to those terms before using it.
3. Electronic communication
By using this website or communicating with us electronically, you agree that notices, disclosures, and other communications may be provided electronically when allowed by law.
4. Intellectual property
Content, layout, copy, design, data, and other resources on crediblereviews.org are owned or licensed by Credible Reviews or its licensors unless otherwise stated.
You are not granted a license to copy, reproduce, distribute, scrape, reverse engineer, commercialize, or embed the site resources except where mandatory law allows limited use such as quotation.
5. Newsletter
We do not currently offer a newsletter. If we add one, you may forward it electronically to others, provided you do not alter it or use it for unlawful or misleading purposes.
6. Third-party property
This website may include links, redirects, references, images, names, marks, or claims associated with third-party advertisers or partners. We do not control third-party websites and are not responsible for their privacy practices, content, products, services, fees, eligibility decisions, or outcomes.
7. Responsible use
Use the website only for lawful, personal, informational purposes. Do not interfere with site security or availability, publish malicious software, conduct unauthorized automated data collection, misuse forms or links, or use data collected from the site for direct marketing without permission.
8. Idea submission
Do not submit ideas, inventions, creative works, or proprietary information unless a written agreement is in place. If you submit such material without an agreement, you grant us a broad license to use, reproduce, adapt, publish, translate, and distribute it.
9. Termination of use
We may modify, restrict, pause, or discontinue access to the website or any feature at any time. You are not entitled to compensation if content, settings, or access changes or becomes unavailable.
10. Warranties and liability
This website and all content are provided on an as-is and as-available basis. Content may include inaccuracies, outdated information, typographical errors, or incomplete information.
To the fullest extent allowed by law, we disclaim warranties about availability, accuracy, completeness, uninterrupted operation, security, error-free operation, eligibility, savings, timing, or outcomes.
11. Privacy
Use of the website is also governed by the Privacy Policy and Opt-Out Preferences pages. Do not send sensitive debt, bank, card, tax, legal, medical, password, or Social Security details to this site or by email.
12. Export restrictions / Legal compliance
Access from places where the content or linked services are illegal is prohibited. You may not use the website in violation of United States export laws or other applicable laws.
13. Affiliate marketing
Credible Reviews is advertising-supported. We may receive compensation, sponsorship, affiliate commissions, referral fees, or other consideration when readers click links, visit advertiser destinations, submit information to a partner, or take another qualifying action after leaving this property.
Compensation may affect placement, presentation, order, calls to action, or whether an advertiser appears. This disclosure is intended to support consumer transparency and advertising-law compliance.
14. Assignment
You may not assign or transfer your rights or obligations under these terms without prior written consent. We may transfer site operations, assets, or obligations as part of a business transfer where allowed by law.
15. Breaches of these terms
If you breach these terms, we may take appropriate action, including suspending or blocking access, removing content, contacting service providers, preserving evidence, or pursuing available legal remedies.
16. Force majeure
No delay, failure, or omission caused by events beyond reasonable control will be treated as a breach for as long as that event prevents performance.
17. Indemnification
You agree to indemnify, defend, and hold us harmless from claims, liabilities, damages, losses, and expenses arising from your violation of these terms, misuse of the website, or violation of applicable law or third-party rights.
18. Waiver
Failure to enforce any provision is not a waiver of that provision or any other right. The remaining provisions remain valid if one provision is found unenforceable.
19. Language
These terms and notices are interpreted in English. Correspondence related to these terms should be written in English unless otherwise agreed.
20. Entire agreement
These terms, together with the Privacy Policy, Opt-Out Preferences, Disclaimer, Advertiser Disclosure, Methodology, and Trust pages, form the agreement between you and Credible Reviews for use of crediblereviews.org.
21. Updating these terms
We may update these terms from time to time. Changes become effective when posted. Continued use after an update means you accept the revised terms.
22. Choice of law and jurisdiction
These terms are governed by the laws of the United States and applicable state law, without regard to conflict-of-law rules. Any dispute will be handled in the appropriate court or forum unless a more specific required law applies.
23. Contact information
This website is published by Credible Reviews.
Terms questions: hello@crediblereviews.org
Privacy questions: privacy@crediblereviews.org
Security reports: security@crediblereviews.org
24. Download
A PDF copy of these terms is not available; this page is the current version.
Debt consolidation and hardship negotiation disclosure
Credible Reviews is an advertising-supported publisher. It is not a lender, debt negotiation company, credit repair organization, law firm, tax advisor, bankruptcy advisor, government agency, or credit bureau.
The site may connect readers to independent advertisers or partners. Any debt consolidation or hardship negotiation program, loan, credit review, fee, eligibility decision, or enrollment decision is handled by the third party you visit.
We do not assume consumer debt, make monthly payments to creditors, repair credit, provide tax or bankruptcy advice, or act as a consumer reporting agency.
- Debt consolidation and hardship negotiation results are not guaranteed and vary by provider, debt type, state, creditor participation, consumer hardship, program performance, and consumer action.
- Hardship negotiation or similar programs may involve fees and may not be available in all states.
- Creditors are not required to negotiate or agree to reduce the amount you owe.
- Debt consolidation and hardship negotiation programs may affect credit scores, collection activity, taxes, lawsuits, and account status.
- Savings examples, testimonials, timing, payment examples, or eligibility language are illustrative and are not promises of future results.
- Readers should review all program materials before enrollment, including possible adverse impact on credit rating.
- This site does not provide legal, tax, bankruptcy, accounting, credit, or financial advice.
Using this site and partner links
This site publishes information and advertising. It does not have its own sign-up or application forms, and it does not enroll you in services offered by advertisers or partners.
Advertising links pass through a click-tracking redirect at https://go.crediblereviews.org/cf/click/1. You then reach a separate advertiser or partner site, which may have its own forms and services.
- Do not send Social Security number to this site or by email.
- Do not send bank account or payment-card details to this site or by email.
- Do not send full account numbers to this site or by email.
- Do not send debt balances or creditor account details to this site or by email.
- Do not send income, hardship, tax, bankruptcy, legal, or medical details to this site or by email.
- Do not send SMS consent or phone consent to this site or by email.
Contact and privacy requests
Privacy and opt-out questions can be sent to privacy@crediblereviews.org. General site, advertiser disclosure, accessibility, and support questions can be sent to hello@crediblereviews.org. Security reports can be sent to security@crediblereviews.org.
These contact paths are for site questions and privacy requests only. They are not provider enrollment, debt analysis, loan, credit repair, tax, bankruptcy, or legal-service channels.