Terms of Use
Last updated: October 6, 2026
Welcome to CredInternacional. This website is owned and operated by CredInternacional OÜ, Estonian Registry Code 16802517. CredInternacional publishes and operates independent digital content brands, such as The Credit Time, that provide informative and editorial content about personal finance products, services and financial tools, with the goal of helping people make better decisions.
By accessing or using this website, you agree to be bound by these Terms of Use and our Privacy Policy.
Article I – User Agreement
1.1. By accessing this website, you confirm that you have read and agree to these Terms of Use and our Privacy Policy.
1.2. You confirm that you are at least 18 years old and have the legal capacity to accept these Terms.
1.3. If you do not meet these requirements, you must discontinue use of this website immediately.
Article II – Nature of Content
All content published on this website and on the brands operated by CredInternacional is provided for informational and educational purposes only. Nothing here constitutes financial, legal, investment or professional advice. We don't guarantee any financial results from using our information, tools or strategies, and rates, prices and availability are subject to change without notice.
Article III – Affiliate Disclosure
Content on the brands operated by CredInternacional may include references to third-party products, services or affiliate links. If you click a link and take action, we may earn a commission at no additional cost to you. This commercial relationship does not influence our editorial standards: we're committed to honest, independent and useful content.
Article IV – Contact
For questions, complaints or support, contact us at contact@credinternacionalou.com.
Article V – User Responsibilities
You agree to comply with these Terms and our Privacy Policy at all times. This website may link to third-party websites, and you're responsible for reading their terms before using them. We are not responsible for the content, accuracy or policies of third-party sites, or for transactions you conduct on external platforms. You're responsible for your own cybersecurity, including keeping your devices and software up to date.
We never ask for upfront payment to approve a credit card or loan. If someone does, in our name, it's a scam.
Article VI – Prohibited Conduct
The following are strictly prohibited: engaging in or encouraging illegal activities; violating applicable laws; infringing intellectual property rights; harassing or defaming any individual or group; spreading false or misleading information; transmitting malicious software; collecting other users' personal data without consent; spam, phishing or unauthorized advertising; and attempting to compromise website security. Violations may result in immediate suspension or termination of access.
Article VII – Limitation of Liability
CredInternacional and its affiliates, employees and contractors are not liable for direct, indirect, incidental or consequential damages, loss of data or profits, or errors or inaccuracies in our content. This website is provided on an "as is" and "as available" basis, without warranties of any kind. Your use is at your own risk.
Article VIII – Intellectual Property
All content on this website, including text, images, graphics and design, is owned by CredInternacional OÜ or its content partners and protected under applicable copyright law. Unauthorized reproduction or distribution is strictly prohibited. We reserve the right to remove any content that violates these Terms.
Article IX – Term and Statute of Limitations
These Terms remain in effect indefinitely unless modified or terminated by us. Any legal claim arising from use of this website must be initiated within 90 days of the incident giving rise to the claim.
Article X – Governing Law and Jurisdiction
These Terms are governed by the laws of the State of Florida, United States. Any disputes not covered by the arbitration agreement below will be resolved exclusively in state or federal courts located in Orlando, Florida.
Article XI – Dispute Resolution by Binding Arbitration; Class Action Waiver
If we ever have a dispute we can't resolve directly, you and CredInternacional agree to settle it through individual, binding arbitration under the rules of the American Arbitration Association, rather than in court, and each of us gives up the right to bring or join a class action or class-wide arbitration.
Article XII – Indemnification
You agree to indemnify and hold harmless CredInternacional OÜ and its affiliates from any claim arising from your use of the site or your reliance on its content for financial decisions.
Article XIII – Modifications
We reserve the right to update or modify these Terms at any time without prior notice. Changes will be posted on this page with an updated revision date. Continued use of the website after a modification constitutes your acceptance of the revised Terms.
Article XIV – Contact Information
For any questions about these Terms, contact us: CredInternacional OÜ. contact@credinternacionalou.com. If you do not agree with these Terms, please stop using this website immediately.