Terms of Service

1. Educational nature of the content

All content on Credit Card Starter Guide is provided for educational and informational purposes only.

While we aim to keep information accurate, useful, and responsibly explained, financial products, policies, credit practices, and related terms may change over time.

We do not guarantee that all information will always be complete, current, or appropriate for your specific situation. Nothing on this website should be treated as financial, legal, tax, or professional advice.

Readers are responsible for how they use any information found on this website and should verify important details with official sources before making financial decisions.

2. Who these terms apply to

These Terms of Service apply to visitors, readers, and anyone else who accesses or uses Credit Card Starter Guide.

By continuing to use the website, you acknowledge that you understand and accept these terms as they apply to your use of the site and its content.

3. Intellectual property and content use

Unless otherwise stated, the content published on this website — including articles, text, original written materials, graphics, design elements, and other site content — is the intellectual property of Carlos Abreu and/or Credit Card Starter Guide.

You may access and use this content for personal, non-commercial purposes.

You agree not to:

• republish material from this website without prior written permission
• sell, rent, license, or sublicense website content without authorization
• copy, scrape, or reproduce substantial portions of the site for commercial use
• present original site content as your own work

You may share links to our content or reference articles in a limited way, provided that proper attribution and a clear link to the original source are included.

4. No professional relationship

Your use of this website does not create a financial advisor-client relationship, legal relationship, fiduciary relationship, or any other professional-client relationship between you and Credit Card Starter Guide or Carlos Abreu.

Contacting the website through email, forms, or other communication channels also does not create such a relationship.

This website is an educational publishing resource, not a personalized advisory service.

5. Acceptable use and user conduct

By using this website, you agree to use it only for lawful purposes and in a way that does not harm the site, its readers, or its operations.

You agree not to:

• use the site for unlawful, abusive, fraudulent, or misleading purposes
• attempt to disrupt, damage, overload, or interfere with website functionality or security
• post or transmit unlawful, defamatory, abusive, or infringing content where interaction features are available
• attempt unauthorized access to restricted, technical, or administrative parts of the website

We reserve the right to moderate, remove, restrict, or block activity that appears to violate these terms or threaten the integrity of the site.

6. Third-party links and external resources

This website may include links to third-party websites such as banks, credit card issuers, government agencies, credit bureaus, financial services, educational tools, or other outside resources.

These links are provided for convenience, research, or educational reference. We do not control those external websites and are not responsible for their content, availability, products, services, terms, privacy practices, or claims.

The inclusion of a link does not automatically mean endorsement, affiliation, or approval of a third-party product, company, or service.

Once you leave Credit Card Starter Guide and visit a third-party website, including the website of a bank, credit card issuer, or financial service provider, your use of that website is governed by that third party’s own terms, disclosures, and privacy policies.

Readers should review the terms, disclosures, and privacy policies of any third-party website they choose to visit.

7. Limitation of liability

To the fullest extent permitted by applicable law, Credit Card Starter Guide, its owner, and its contributors shall not be liable for direct, indirect, incidental, consequential, or other losses, damages, or negative outcomes resulting from:

• use of, or reliance on, information found on this website
• financial or personal decisions made after reading website content
• errors, omissions, delays, or changes in third-party financial information
• temporary website interruptions, technical issues, or unavailability

Readers are encouraged to verify important information with official sources before acting on any financial topic.

8. No guarantees or warranties

This website is provided on an “as is” and “as available” basis.

We do not guarantee uninterrupted access, error-free operation, or that every page will always be free from inaccuracies, omissions, or outdated information.

We also do not guarantee approval outcomes, score changes, eligibility decisions, or any specific financial result based on the use of this website.

9. Changes to these terms

We may update these Terms of Service from time to time to reflect changes in website practices, legal requirements, tools, business operations, or the nature of the content published on the site.

When changes are made, the “Last Updated” date at the top of this page may also be revised.

Continued use of the website after updated terms are posted may be treated as acceptance of the revised version.

10. Contact information

If you have questions about these Terms of Service, please contact:

hello@creditcardstarterguide.com

For general communication, you may also visit our Contact page.