Effective Date: October 14, 2026
These Terms of Service govern your use of HonestCredit.org. By using the site, you agree to these Terms and applicable law.
Educational Information Only
HonestCredit.org provides general educational and informational content about personal finance, credit, debt, loans, budgeting, insurance, saving, earning money, financial planning, and related topics.
Our content is not personalized financial, legal, tax, investment, insurance, medical, or other professional advice. Nothing on the site creates a professional-client, fiduciary, or similar relationship.
You are responsible for evaluating information in light of your own circumstances and for seeking qualified professional advice when appropriate.
No Guarantee of Results
Examples, calculators, comparisons, estimates, and educational scenarios are provided to explain concepts. They do not guarantee approval, pricing, credit-score changes, investment returns, tax results, insurance coverage, claim payments, savings, or any other financial outcome.
Insurance coverage and claims are determined by the actual policy, endorsements, facts of the loss, applicable law, and the insurer’s decision.
Accuracy and Updates
We work to keep our content accurate and current, but financial rules, rates, products, laws, and third-party information can change. We do not guarantee that every page will always be complete, current, or error-free.
Our Editorial Policy explains how we research, review, update, and correct content.
Third-Party Links and Services
HonestCredit.org may link to government agencies, regulators, financial institutions, insurers, publishers, products, tools, and other third-party websites.
We do not control those websites and are not responsible for their content, availability, pricing, privacy practices, terms, or services. A link does not automatically mean we endorse the third party.
Advertising and Commercial Relationships
HonestCredit.org displays ads served through Google AdSense. Display ads are separate from our editorial content. An ad’s appearance does not constitute an endorsement, a review of the advertiser, or a guarantee of its products, services, or claims.
We may also use affiliate links, sponsorships, or other commercial relationships. When compensation creates a material connection to content or a recommendation, we disclose that relationship clearly where the relevant content appears. Sponsored or paid content is identified as such.
Commercial relationships do not give a partner the right to change independent factual conclusions or our editorial standards. Any transaction with an advertiser or other third party is subject to that provider’s terms; HonestCredit.org is not a party to that transaction unless we expressly state otherwise.
Calculators and Tools
Calculators and interactive tools on HonestCredit.org provide educational estimates based on the information entered and the assumptions used.
Results are not offers, quotes, approvals, tax filings, financial plans, legal opinions, or insurance determinations. Review the inputs, assumptions, and any tool-specific instructions before using an estimate. Our Privacy Policy describes information processing associated with website and tool use.
Acceptable Use
You agree not to misuse HonestCredit.org, interfere with its operation or security, attempt unauthorized access, introduce malicious code, or use the site for unlawful or fraudulent activity.
You may link to our pages, but you may not copy, republish, sell, or redistribute substantial portions of our content without permission unless applicable law allows it.
Intellectual Property
Unless otherwise stated, HonestCredit.org content is owned by BoostMedia or used under license or other permission.
Third-party trademarks, logos, images, data, and quoted material remain the property of their respective owners.
Disclaimer
To the maximum extent permitted by applicable law, HonestCredit.org and its content are provided on an “as is” and “as available” basis without warranties of any kind.
We do not guarantee uninterrupted access, error-free operation, or that the information will meet every user’s individual needs.
Limitation of Liability
To the maximum extent permitted by applicable law, BoostMedia and its contributors, editors, contractors, and service providers are not liable for indirect, incidental, special, or consequential damages arising from or related to your use of HonestCredit.org.
Nothing in these Terms excludes rights or liabilities that cannot legally be excluded or limited.
Privacy and Cookies
Our Privacy Policy and Cookie Policy explain information processing, Google advertising and analytics, and available privacy choices. Google’s consent management platform is available throughout the website, with messages and controls determined by your location and applicable privacy settings.
Refusing optional consent does not prevent you from reading our educational content or using our calculators. Where supported and permitted, limited advertising may still appear. Ads are not guaranteed to appear on every page or visit.
Using the website or accepting these Terms does not by itself give consent to optional cookies or personalized advertising where consent is required. Applicable choices are collected separately through the privacy controls.
Changes to These Terms
We may update these Terms when our website, services, commercial relationships, or legal obligations change. The latest version and effective date will appear on this page.
Contact
HonestCredit.org is operated by BoostMedia.
Email: info(at)honestcredit(dot)org