We are an independent, advertising-supported comparison service. Our goal is to help you make smarter financial decisions by providing you with interactive tools and financial calculators, publishing original and objective content, by enabling you to conduct research and compare information for free - so that you can make financial decisions with confidence. Our articles, interactive tools, and hypothetical examples contain information to help you conduct research but are not intended to serve as investment advice, and we cannot guarantee that this information is applicable or accurate to your personal circumstances. Any estimates based on past performance do not a guarantee future performance, and prior to making any investment you should discuss your specific investment needs or seek advice from a qualified professional.
The offers that appear on this site are from companies that compensate us. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within the listing categories. But this compensation does not influence the information we publish, or the reviews that you see on this site. We do not include the universe of companies or financial offers that may be available to you.
This Site is offered and available to users 18 years or older, can form legally binding contracts under applicable law, and is located in the Offer Locations (as defined below). You must only access or use the Site if you meet these conditions.
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Copyright, Trademarks, and Limited License
Unless otherwise indicated, the Site and all content and other materials made available on or through the Site, including, without limitation, the CreditYelp name, CreditYelp trademarks and logos, and all other designs, text, graphics, pictures, videos, information, data, software, sound files and other files, and the selection and arrangement thereof (collectively, the “CreditYelp Materials”), are the proprietary property of CreditYelp or our licensors and are protected by U.S. and international copyright laws.
You are granted a limited, non-exclusive and non-sublicensable license to access and use the Site and the CreditYelp Materials for your personal or internal business use only in accordance with these Terms; however, such license is subject to these Terms and does not include: (a) any resale or commercial use of the Site or the CreditYelp Materials, unless otherwise authorized by CreditYelp; (b) the distribution, public performance or public display of any CreditYelp Materials; (c) modifying or otherwise making any derivative uses of the Site and the CreditYelp Materials, or any portion thereof, unless modification or derivative use is specifically provided for under separate terms; (d) use of any data mining, robots or similar data gathering or extraction methods; (e) downloading (other than the page caching) of any portion of the Site, the CreditYelp Materials or any information contained therein, except as expressly permitted on the Site; or (f) any use of the Site or the CreditYelp Materials other than for their intended purposes.
Any use of the Site or the CreditYelp Materials other than as specifically authorized herein without the prior written permission of CreditYelp is strictly prohibited and will terminate the license granted herein. Such unauthorized use may also violate applicable laws, including copyright and trademark laws and applicable communications regulations and statutes. Unless explicitly stated herein, nothing in these Terms shall be construed as conferring any license to intellectual property rights, whether by estoppel, implication, or otherwise. This license is revocable at any time.
The Site may include interactive areas where you or other users can create, post, or submit reviews or additional information on the Site (“User Content”).
CreditYelp shall have no liability concerning any User Content posted by you or other users of the Site. You agree that you must assess and bear all risks associated with using any User Content. In this regard, you may not rely on user content created by users or otherwise formed, distributed, and displayed on any part of the Site. CreditYelp does not control or monitor all of the User Content posted on the Site and, as such, does not guarantee accuracy, integrity, or quality.
You must own the User Content created by you, or you must have been granted prior permission to use such content by its owner. CreditYelp does not own any of the User Content you post. By placing User Content on the Site, you are providing CreditYelp with a worldwide, irrevocable, royalty-free, unlimited, non-exclusive license to publicly display, modify, reproduce and distribute your User Content, in whole or in part, on the Site for editorial and promotional purposes of the Site. CreditYelp reserves the right to exploit or promote this User Content in connection with advertising products or services offered by CreditYelp.
You are prohibited from submitting to or transmitting through the Site any unlawful, libelous, defamatory, obscene, harmful, threatening, abusive, harassing, vulgar, sexually explicit, profane, hateful, racially, ethnically, or otherwise objectionable material of any kind, including, but not limited to, any material that encourages conduct that would constitute a criminal offense, give rise to civil liability, or otherwise violate any applicable law. We reserve the right, in our sole discretion, to reject, refuse to post or to remove any posting or other User Content by you or to deny, restrict, suspend, or terminate access to all or any part of the Site at any time, for any or no reason, with or without prior notice or explanation, and without liability.
You further agree that you are solely responsible for your conduct while accessing and using the Site, and you agree that you will not do any of the following in connection with the Site or our users:
Use the Site in any manner that could interfere with, disrupt, negatively affect or inhibit other users from fully enjoying the Site, or that could damage, disable, overburden or impair the functioning of the Site in any manner;
Impersonate or otherwise misrepresent your affiliation with a person or entity;
Use the Site for any illegal or unauthorized purpose or engage in, encourage or promote any illegal activity or any activity that violates these Terms or any applicable law; or
Circumvent or attempt to circumvent any filtering, security measures, or other features.
Except for submissions of information made through your customer account to apply for, obtain, manage, or execute a loan, or to otherwise avail yourself of CreditYelp’s services as a financial services customer, any questions, comments, suggestions, materials or other information that you submit about CreditYelp, our financial products, and services or our Site (collectively, “Submissions”), are non-confidential and shall become the sole property of CreditYelp. CreditYelp shall own exclusive rights, including all intellectual property rights, and shall be entitled to the unrestricted use and dissemination of Submissions for any purpose, commercial or otherwise, without acknowledgment or compensation to you.
Users in Other States or Countries
Our corporate offices are located in Sheridan, WY, U.S.A. Offers and services advertised on the Site may be void in some locations (i.e., outside of California, Colorado, Idaho, Nevada, and Washington, U.S.A. (the “Offer Locations”)). We make no claims that the Site or its Content is accessible or appropriate outside the Offer Locations. If you access the Site from outside the Offer Locations, you do so on your initiative and are responsible for compliance with local laws.
Links to the Site and Other Websites
You may link to the Site as long as you do so in a way that is fair and legal and does not damage or take advantage of our reputation. You may not establish a link to the Site in a way that suggests any form of association, endorsement, or approval on the part of CreditYelp where none exists, or link from any website that you do not own or frame the Site on another site. We reserve the right to withdraw linking permission at any time at our sole and complete discretion. The framing, mirroring, scraping, or data-mining of the Site or any of its Content in any form and by any method is strictly prohibited.
The Site may contain links to websites and resources provided by third parties (“Linked Sites”). These links are provided only for convenience. We have no control over and are not responsible for the Content or privacy policies of any Linked Sites. Such links should not be considered an endorsement or recommendation by CreditYelp of those websites, any product or service offered on or through those websites, or persons associated with those websites. CreditYelp makes no representations or warranties about the Content, completeness, quality, or accuracy of the links, materials, or information on any such website. You acknowledge that CreditYelp is not responsible for the availability of such links, resources, or Content and is not liable for any content, advertising, products, or other materials made available on or from these linked websites.
Your use of any Linked Site, including payment for and the delivery of goods or services from a Linked Site, is based solely on the Agreement (if any) between you, the Linked Site provider.
Disclaimers and Limitation of Liability
CREDITYELP PROVIDES THE SITE ON AN “AS IS,” “WHERE IS,” AND “WHERE AVAILABLE” BASIS, WITH NO WARRANTY OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY (INCLUDING WITHOUT LIMITATION WARRANTIES OF TITLE OR THE IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE). THIS DOES NOT AFFECT THOSE WARRANTIES THAT ARE INCAPABLE OF EXCLUSION, RESTRICTION, OR MODIFICATION BY LAW. YOU ACKNOWLEDGE THAT NEITHER CREDITYELP, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, THIRD PARTY CONTENT PROVIDERS OR LICENSORS; NOR CreditYelp’S AFFILIATES, NOR ANY OF THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, THIRD PARTY CONTENT PROVIDERS OR LICENSORS (EACH A CreditYelp PARTY) WARRANTS THAT THE SITE WILL BE UNINTERRUPTED OR ERROR-FREE; NOR DOES ANY CreditYelp PARTY MAKE ANY WARRANTY AS TO THE RESULTS THAT MAY BE OBTAINED FROM USING THE SITE, OR AS TO THE TIMELINESS, SEQUENCE, ACCURACY, RELIABILITY, COMPLETENESS OR CONTENT OF ANY INFORMATION, SERVICE, OR MERCHANDISE PROVIDED THROUGH THE SITE. NO CREDITYELP PARTY ENDORSES PRODUCTS OR SERVICES APPEARING ON LINKED SITES OR PURCHASED VIA LINKED SITES.
THE INFORMATION PRESENTED ON OR THROUGH THE SITE IS MADE AVAILABLE SOLELY FOR GENERAL INFORMATION PURPOSES. NO CREDITYELP PARTY WARRANTS THE ACCURACY, COMPLETENESS, RELIABILITY, OR USEFULNESS OF THIS INFORMATION. ANY RELIANCE YOU PLACE ON SUCH INFORMATION IS STRICTLY AT YOUR OWN RISK.
EXCEPT WHERE THE LAW REQUIRES A DIFFERENT STANDARD, YOU AGREE THAT NO CREDITYELP PARTY WILL BE LIABLE FOR ANY LOSS, PROPERTY DAMAGE, OR BODILY INJURY, WHETHER CAUSED BY ACCESS TO OR USE OF THE SITE. TO THE MAXIMUM EXTENT PERMISSIBLE UNDER APPLICABLE LAW, NO CREDITYELPp PARTY WILL BE LIABLE TO YOU OR ANY THIRD PARTY CLAIMING THROUGH YOU FOR ANY DIRECT, INDIRECT, SPECIAL OR CONSEQUENTIAL, ECONOMIC OR OTHER DAMAGES ARISING IN ANY WAY OUT OF THE INSTALLATION, USE OR INABILITY TO USE THE CREDITYELP MATERIALS OR THE SITE, INCLUDING WITHOUT LIMITATION ANY DAMAGES CAUSED BY OR RESULTING FROM RELIANCE ON ANY INFORMATION OBTAINED THROUGH THE SITE OR THAT RESULT FROM MISTAKES, OMISSIONS, INTERRUPTIONS, DELETION OF FILES OR EMAILS, ERRORS, DEFECTS, VIRUSES, DELAYS IN OPERATION OR TRANSMISSION OR ANY FAILURE OF PERFORMANCE, WHETHER OR NOT RESULTING FROM ACTS OF GOD, COMMUNICATIONS FAILURE, THEFT, DESTRUCTION OR UNAUTHORIZED ACCESS TO CreditYelp’S RECORDS, PROGRAMS OR SERVICES.
ANY CAUSE OF ACTION YOU MAY HAVE CONCERNING THESE TERMS OR THE SITE MUST BE COMMENCED WITHIN SIX (6) MONTHS AFTER THE CLAIM OR CAUSE OF ACTION AROSE, OR IT WILL BE BARRED.
Blog Specific Disclaimers
All blog articles (“Articles”) on the Site are published and provided for general informational purposes only and are not intended to constitute professional advice of any kind, including but not limited to accounting, tax, legal or financial advice. You agree that the information in the Articles does not create an advisor-client or other professional relationship between you and CreditYelp or Article authors or editors. The views reflected in the Articles are subject to change at any time without notice and should never be a substitute for obtaining advice from a qualified professional advisor. While CreditYelp provides the information in good faith, all information is provided “as is,” with no guarantee of completeness, accuracy, timeliness, or of the results obtained from the use of this information, and without warranty of any kind, express or implied, including, but not limited to warranties of performance, merchantability, and fitness for a particular purpose (see Disclaimers and Limitation of Liability above).
Investment Disclaimer. Nothing in any Article constitutes investment advice, performance data, or any recommendation that any security, portfolio, investment product, or investment strategy is suitable for you. Investment strategies discussed in the Articles may involve a substantial risk of loss and may not be suitable for all investors. Past performance does not guarantee future results.
External Link Disclaimer. Articles may contain links to other websites (which may include message boards or forums). Your use of such sites is entirely at your own risk. The fact that CreditYelp has linked to these sites does not constitute an endorsement or recommendation. The links to these sites are being provided only as a convenience to you and are strictly for informational purposes. We do not assume any responsibility for the actions, products, services, and Content of these sites or the parties that operate them (see Links to the Site and Other Websites above).
Tax Disclaimer. CreditYelp is not to be considered a licensed tax advisor or counsel and shall not be relied upon for tax advice. Do not rely on any information in any Article related to taxes, as CreditYelp makes no warranties or claims to the accuracy of this material. You are solely responsible for complying with all applicable tax laws.
You will defend, indemnify and hold harmless the CreditYelp Parties from and against all claims, damages, costs, liabilities, and expenses, including but not limited to attorneys’ fees, arising out of your: (a) use of the Site; (b) any Submission you provide; (c) your violation of these Terms; (d) your violation of any rights of another; or (e) your conduct in connection with the Site.
Governing Law; Arbitration
Waiver of Jury Trial. THE PARTIES HEREBY WAIVE THEIR CONSTITUTIONAL AND STATUTORY RIGHTS TO GO TO COURT AND HAVE A TRIAL IN FRONT OF A JUDGE OR A JURY, instead electing that all claims and disputes shall be resolved by arbitration under this Arbitration Agreement. Arbitration procedures are typically more limited, more efficient, and less expensive than rules applicable in a court and are subject to minimal review by a court. If any litigation should arise between you and the Company in any state or federal court in a suit to vacate or enforce an arbitration award or otherwise, YOU AND THE COMPANY WAIVE ALL RIGHTS TO A JURY TRIAL, instead electing that a judge resolves the dispute.
Currency and Interest Rates. All references in the Site to currency are to the lawful money of the United States unless expressly stated otherwise. Interest rates indicated on the Site are subject to change without prior notice.
Amendments. We may amend these Terms by providing you with notice of such modifications. We will provide you with notice by posting the amended Terms to the Site and revising the “Last Updated” date at the top of these Terms. At our sole discretion, we may also provide you with more prominent notice of any amendments, such as via our site's homepage or via email. If you find any amended Terms unacceptable at any time, you must discontinue your use of the Site. By continuing to access or otherwise use the Site after any amended Terms have been posted to the Site, you agree to be bound by such amended Terms. For the avoidance of doubt, any amendment to these Terms will apply prospectively only. YOU ARE RESPONSIBLE FOR REGULARLY REVIEWING THE SITE TO OBTAIN TIMELY NOTICE OF SUCH AMENDMENTS.
Termination. CreditYelp reserves the right, without notice and in our sole discretion, to terminate your license to use the Site, and to block or prevent your future access to and use of, the Site. CreditYelp also reserves the right to terminate in our sole discretion any feature or functionality of the Site without notice to you. Notwithstanding any other provision of these Terms to the contrary, the following provisions, and all other provisions necessary for their interpretation or enforcement, will survive indefinitely after the termination of this Agreement and remain in full force and effect and be binding upon the parties as applicable: Copyright, Trademarks, and Limited License; Disclaimers and Limitation of Liability; Governing Law, as well as this provision (Termination).
Assignment and Transfer. We may assign, transfer, or otherwise dispose of our rights and obligations under these Terms or any additional terms, in whole or in part, at any time without notice. You may not assign your rights or obligations under these Terms or transfer any rights to use the Site to any third party without the prior written consent of CreditYelp. Also, these Terms are solely for your benefit and those of any CreditYelp Party and not for the benefit of any other person except for permitted successors or assigns.
Waiver and Severability. If we fail to assert or waive any term or condition of these Terms, that action may not be interpreted as a further or continuing waiver of the same term or condition or any other term or condition in the future. Similarly, if any provision of these Terms is held by a court of competent jurisdiction to be invalid, illegal, or unenforceable for any reason, that provision will be deleted or limited to the minimum extent such that the remaining provisions of the contract will continue in full force and effect.
Entire Agreement. These Terms constitute the sole and entire Agreement between you and us concerning the Site, and supersede all prior and contemporaneous understandings, agreements, representations, and warranties, both written and oral.
All covenants, agreements, representations, and warranties made in this Agreement, as may be amended by us from time to time, shall survive your acceptance of this Agreement and the termination of this Agreement.