US Financer publishes general information about personal finance, credit, borrowing, saving, taxes and crypto. Nothing on this site is personal advice, and nothing here should be treated as a substitute for guidance from a licensed professional who knows your situation. Please read the following before relying on anything you find on these pages.
General information only
Everything on US Financer is written for a general audience. Articles, guides, comparisons, calculators and examples are meant to help you understand how a product or rule works in broad terms. They do not take into account your income, debts, credit history, tax position, residency, risk tolerance or goals.
The content is not financial advice, legal advice, tax advice or investment advice. Reading an article here does not create any client, adviser or fiduciary relationship between you and US Financer.
What US Financer is not
US Financer is an independent, editorially run site. It is not:
- a bank, lender or loan originator
- a mortgage, insurance or securities broker
- a credit repair organization or debt relief or debt settlement company
- a cryptocurrency exchange, wallet provider or custodian
- a registered investment adviser, tax preparer, accountant or law firm
We do not make or influence credit decisions, we do not underwrite or approve applications, and we do not sell or offer any financial product ourselves. If an article discusses a loan, card, account, exchange or service, that discussion is informational. Any application you make is between you and the company that provides the product, under that company’s own terms, pricing and eligibility rules.
Rates, fees, laws and tax rules change
Interest rates, APRs, fees, promotional offers, account limits and eligibility criteria change frequently, sometimes daily. Federal and state laws, IRS rules, contribution limits and tax brackets also change, and many rules differ from one state to another. Figures on this site reflect what we could confirm at the time of writing and may be out of date by the time you read them.
Worked examples use sample numbers to illustrate how something works. They are not quotes, and they are not predictions of what you will pay or earn.
Before acting on anything you read here, confirm the current details directly with the company, with the official government source (such as the IRS, the CFPB or your state regulator), or with a licensed professional. If something on this site conflicts with what a company or official source tells you, treat their information as the one that applies to you.
Crypto and investment risk
Cryptocurrency is highly volatile. Prices can rise or fall sharply in a short time, and any coin, token or crypto-related product can lose all of its value. Crypto held on an exchange or in a wallet is not insured by the FDIC, and crypto is not protected by SIPC. If an exchange fails, is hacked or freezes withdrawals, you may not get your funds back.
The same caution applies to stocks, funds, bonds and other investments discussed on the site. Past performance does not predict future results, and no return is guaranteed. Only put money into any investment, including crypto, that you can afford to lose, and consider speaking with a licensed adviser first.
Accuracy and errors
We work to keep information accurate and current, and we verify figures against official and primary sources where we can. Even so, errors, omissions and outdated details can occur. US Financer makes no warranty, express or implied, about the completeness, accuracy, reliability or timeliness of any content on the site.
If you spot a mistake, we want to know about it so we can correct it. Until a correction is made, do not rely on a figure you have not independently confirmed.
Third-party sites and links
Articles on US Financer may link to government websites, regulators, company pages and other outside resources. These links are provided so you can verify information at the source and read a company’s own terms. Linking to a site does not mean we endorse it, and we have no control over its content, accuracy, privacy practices or security.
Once you leave US Financer, you are subject to the terms and policies of the site you visit. We are not responsible for anything that happens on third-party sites, including the products they offer, the data they collect or any loss you suffer from using them.
Your decisions are your responsibility
Any financial decision you make based on information from this site is your own. US Financer, and the people who write and edit for it, will not be liable for any loss, cost or damage, direct or indirect, that results from using or relying on the content here. This includes losses from loans, investments, tax filings, credit decisions or crypto transactions made after reading our material.
If you are unsure about a decision, especially one involving a large sum, debt, taxes or your legal rights, consult a licensed professional in your state.
Changes to this disclaimer
We may update this disclaimer at any time as the site grows or as laws and products change. Updates take effect when they are posted on this page, so check back occasionally. Continued use of US Financer after a change means you accept the updated terms.