These Terms of Use govern your access to and use of US Financer, an independent website that publishes personal finance information, comparisons and calculators. By using the site you agree to these terms. If you do not agree with them, please do not use the site.
Who we are
US Financer is a new, independently run website published under the US Financer name. We write about everyday money topics for readers in the United States, including savings, credit, loans, insurance, budgeting and investing basics. We are not a bank, lender, broker, insurer, credit counselor, tax preparer or registered investment adviser, and nothing on the site should be read as if it came from one.
Information only, not advice
Everything on US Financer is general information. It is written for a broad audience and does not take your income, debts, credit history, goals or circumstances into account. It is not financial, investment, legal, tax, insurance or credit advice, and reading it does not create any client, adviser or fiduciary relationship between you and US Financer.
Before you open an account, borrow money, buy insurance, invest or make any other financial decision, check the details directly with the provider and, where the decision is significant, speak with a licensed professional who can look at your situation. Our Disclaimer explains this in more detail, and it forms part of these terms.
No guarantee that information is current
Interest rates, fees, bonuses, eligibility rules, product features, tax rules and state or federal laws change often, sometimes without notice. We do our best to keep articles accurate at the time they are written or updated, but we make no promise that any rate, fee, law, product or availability shown on the site is current when you read it.
Products described on the site may not be available in your state, may have changed their terms, or may have been withdrawn. Always confirm the live terms on the provider’s own website or paperwork before you rely on them.
Calculators and tools
Any calculator, estimator or interactive tool on US Financer produces estimates based on the figures you enter and simplified assumptions we have built in. Results are for illustration only. They may not match what a lender, bank, employer, tax authority or insurer actually charges, pays or allows, because real-world outcomes depend on factors a general tool cannot capture, such as compounding methods, rounding, fees, underwriting, your credit profile and changes in rates.
Do not treat a calculator result as an offer, a quote or a guarantee. Use it as a starting point, then verify the figures with the relevant provider.
Company names, trademarks and logos
US Financer mentions banks, credit unions, lenders, insurers, card issuers, brokerages, apps and other companies throughout the site. All company names, product names, trademarks, service marks and logos belong to their respective owners. We use them only to identify the companies and products we are describing and to compare them for readers.
Mentioning a company does not mean that company sponsors, endorses, reviews or is affiliated with US Financer, unless we say so clearly on the relevant page. Equally, US Financer does not endorse any company simply by writing about it.
Our own content
Articles, guides, comparisons, calculators, graphics and other original material on US Financer are owned by US Financer or used with permission and are protected by copyright and other intellectual property laws. You may read, print or share short excerpts for personal, non-commercial use, provided you credit US Financer and do not alter the material. Reproducing substantial parts of the site, scraping it in bulk, or republishing it elsewhere without written permission is not allowed.
Links to other websites
The site contains links to third-party websites, including financial providers, government agencies and other publishers. These links are provided for convenience and reference. We do not control those sites and are not responsible for their content, accuracy, privacy practices, products or security. Following a link is at your own risk, and your use of another site is governed by that site’s own terms and policies.
If a link points to a page where you can apply for or buy a product, any relationship you enter into is between you and that provider. US Financer is not a party to it.
Advertising and compensation
US Financer may in future display advertising or earn a referral fee when a reader clicks a link or applies for a product through the site. Where that applies, we will say so on the page. Any such arrangement does not change our editorial opinions, but you should treat our coverage as general information and still do your own checks.
Acceptable use
You agree to use the site only for lawful purposes and in a way that does not harm the site, its readers or others. In particular, you must not:
- Attempt to gain unauthorized access to the site, its servers or any connected systems.
- Use bots, scrapers or automated tools to copy or extract content, other than standard search engine indexing.
- Introduce viruses, malware or any other harmful code.
- Interfere with the site’s operation, including by overloading it with requests.
- Impersonate US Financer, its writers or anyone else.
- Post or submit anything unlawful, defamatory, abusive, misleading or infringing, where the site allows submissions.
- Use the site to promote scams, unlicensed financial services or any other deceptive activity.
We may restrict or block access to anyone who breaks these rules.
Reader submissions
If the site offers comments, forms or other ways to submit content, you keep ownership of what you send, but you grant US Financer a non-exclusive, royalty-free right to display, edit, remove or reuse it in connection with the site. Do not submit personal financial details such as account numbers, Social Security numbers or passwords. We may remove submissions at our discretion and are not obliged to publish anything.
Privacy
Our Privacy Policy explains what information we collect when you use the site and how we use it. By using US Financer you also agree to that policy.
Limitation of liability
To the fullest extent allowed by law, US Financer and the people who run it are not liable for any loss or damage arising from your use of the site or reliance on its content, calculators or links. This includes financial loss, lost profits, lost data and indirect or consequential loss, even if we were told such loss was possible. The site is provided “as is” and “as available”, without warranties of any kind, express or implied, including warranties of accuracy, completeness, fitness for a particular purpose or uninterrupted access.
Some jurisdictions do not allow certain limitations, so parts of this section may not apply to you. Nothing in these terms limits liability that cannot lawfully be limited.
Your responsibility
You are responsible for the decisions you make. That means checking current terms with providers, reading the fine print, and getting professional advice where your situation calls for it. If you choose to act on something you read here, you do so at your own risk.
Changes to these terms
We may update these Terms of Use from time to time, for example when we add new features, change how the site operates or need to reflect legal requirements. The current version will always be published on this page, and changes take effect when they are posted. Continuing to use the site after a change means you accept the updated terms, so it is worth checking back occasionally.
Changes to the site
We may change, suspend or remove any part of the site, including articles, calculators and features, at any time and without notice. We do not guarantee that the site will always be available or free from errors.
Governing law
These terms are governed by the laws of the United States and the state from which US Financer is operated, without regard to conflict of law rules. Any dispute relating to the site or these terms will be handled in the courts of that state, unless applicable consumer protection law gives you the right to bring a claim elsewhere.
Severability and entire agreement
If any part of these terms is found to be unenforceable, the rest will continue to apply. These terms, together with the Disclaimer and Privacy Policy, make up the whole agreement between you and US Financer about your use of the site.
Contact
If you have a question about these terms, or you believe content on the site is inaccurate or infringes your rights, please get in touch using the contact options published on the site. We take accuracy seriously and will review genuine concerns.