Terms of Use

1. Who we are

CarefreeCredits.com is an independent personal finance publication operated by Steve Rahn. Provider details, contact information and the postal address are listed in our legal notice.

2. Acceptance of these terms

By using this website, you agree to these Terms of Use. If you do not agree, please do not use the site. We may update these terms from time to time; the current version is always available on this page.

3. Informational content only

Our articles, calculators, document generators, examples and comparison tables are provided for general information and educational purposes only. They are not financial, investment, credit, tax, legal or other professional advice and do not take your personal circumstances into account.

You are responsible for checking whether information is suitable for your situation. Before making a financial decision, confirm current rates, fees, product terms and rules with the relevant provider or official source and consider a qualified professional where appropriate. Please also read our financial disclaimer.

4. Calculators and tools

Our calculators and tools are intended to help you understand examples and estimates. Results depend on the values and assumptions you enter. They are not guarantees, quotes, offers, tax filings, invoices issued by us or recommendations to use a specific product or provider.

Most tools run in your browser. Unless a page says otherwise, the numbers and details you type into a calculator or generator are not sent to us.

5. Permitted use

You may read, print and share links to our pages for personal, non-commercial use. You must not misuse the site, interfere with its operation, try to access non-public areas, scrape the site in a way that burdens our systems, or use our content in a misleading, unlawful or deceptive way.

6. Intellectual property

The text, layout, graphics, tools, code and other material on CarefreeCredits.com are protected by copyright and other laws unless stated otherwise. You may not copy, republish, sell, license, translate, syndicate or create derivative works from substantial parts of the site without our prior written permission.

Short quotations are allowed where permitted by law, provided that you identify CarefreeCredits.com and link to the original page.

7. Third-party links and services

We link to external websites, official sources and providers so readers can verify facts and current terms. We do not control those websites and are not responsible for their content, availability, privacy practices, products or services.

8. Advertising and commercial relationships

CarefreeCredits.com may display advertising, including ads served by Google AdSense. Advertising does not influence our editorial standards. Our advertising disclosure and affiliate disclosure explain how we make money.

9. No warranty

We work carefully, but we cannot promise that every page is complete, accurate, uninterrupted, error-free or current at the moment you read it. Financial products, rates, fees, tax rules and regulations change often.

10. Limitation of liability

To the fullest extent permitted by law, we are not liable for losses or damages arising from your use of the site or reliance on its content. This does not limit liability where it cannot legally be limited, including liability for intent, gross negligence or injury to life, body or health.

11. Governing law

These terms are governed by the laws of Germany, without prejudice to mandatory consumer protection rules that may apply in your country of residence.

12. Contact

Questions about these terms? Contact us at contact@carefreecredits.com.