Terms of Use

1. Acceptance of Terms

By accessing and using https://citocred.com/ ("Site"), operated by Fimaster Tech LTD ("Company", "we", "our", or "us"), you agree to be bound by these Terms of Use ("Terms"), our Privacy Policy, and all policies and guidelines incorporated by reference.

If you do not agree with any part of these Terms, you must not use our Site. Your continued use of the Site following any modifications constitutes acceptance of the updated Terms.

2. Description of Service

CitoCred is a personal finance blog that provides: educational articles about credit cards, loans, and personal finance; editorial comparisons and reviews of financial products; informational comparison tools; links and recommendations for partner financial products.

The content on our Site is purely informational and educational in nature. We do not provide brokerage services, registered investment advisory services, regulated financial consulting, or any services subject to regulation by the U.S. Securities and Exchange Commission (SEC), the Financial Industry Regulatory Authority (FINRA), the Consumer Financial Protection Bureau (CFPB), or any other financial regulatory body.

3. Eligibility

Our Site is intended for users who are at least 18 years of age, or the age of majority in their jurisdiction. By using the Site, you represent and warrant that you meet this age requirement.

Use of the Site by minors under 13 is strictly prohibited in accordance with the Children's Online Privacy Protection Act (COPPA — 15 U.S.C. § 6501). Users between 13 and 18 may use the Site only under parental or guardian supervision.

4. Intellectual Property

All content on the Site — including text, articles, editorial reviews, images, graphics, logos, source code, and interfaces — is protected by copyright, trademark, and other intellectual property laws of the United States and applicable international treaties.

You may reproduce limited portions of our content for personal, non-commercial purposes, provided that: (1) proper attribution is given ("CitoCred — citocred.com"); (2) original content is not modified; (3) no commercial purpose is served.

The following are expressly prohibited without prior written authorization: full reproduction, resale, republication, creation of derivative commercial works, automated scraping, or any use that violates applicable intellectual property law.

5. DMCA Notice and Takedown

We respect the intellectual property rights of others and comply with the Digital Millennium Copyright Act (DMCA — 17 U.S.C. § 512). If you believe that content on our Site infringes your copyright, please send a written notice to our designated DMCA agent containing:

• Identification: Identification of the copyrighted work you claim has been infringed.
• Location: Identification of the infringing material and its location on our Site (URL).
• Contact information: Your name, address, telephone number, and email address.
• Good faith statement: A statement that you have a good faith belief that the use is not authorized by the copyright owner, its agent, or the law.
• Accuracy statement: A statement under penalty of perjury that the information in your notice is accurate and that you are the copyright owner or authorized to act on the copyright owner's behalf.
• Signature: Your physical or electronic signature.

6. Financial Disclaimer

The information, reviews, rankings, and comparisons on CitoCred are for educational and informational purposes ONLY. They do NOT constitute: investment advice or recommendations within the meaning of the Investment Advisers Act of 1940; broker-dealer services regulated by FINRA or the SEC; credit counseling under applicable state or federal law; any form of regulated financial advisory service.

The Company is NOT a registered investment adviser, broker-dealer, financial planner, or credit counselor. Financial product terms (rates, fees, credit limits, benefits) are determined by the issuing institutions and are subject to change without notice. Always verify information directly with the financial institution.

Consult a qualified, licensed financial professional registered with appropriate regulatory bodies (SEC, FINRA, CFP Board, or equivalent) before making significant financial decisions.

7. User Conduct

By using our Site, you agree NOT to:

• Illegal use: Use the Site for any unlawful purpose or in violation of any applicable law or regulation.
• Technical interference: Attempt to access restricted areas, use bots, scrapers, or automated tools without prior written authorization.
• Spam and abuse: Post comments containing spam, offensive, false, or misleading content.
• IP violation: Reproduce, distribute, or modify copyright-protected content without authorization.
• Impersonation: Misrepresent yourself as another person or entity.
• Security attacks: Attempt to compromise the security, integrity, or availability of the Site. This may violate the Computer Fraud and Abuse Act (CFAA — 18 U.S.C. § 1030).

8. Partner Links and Third-Party Sites

The Site contains links to third-party websites, including financial institutions, banks, card issuers, and other services. Accessing these links is at your sole discretion and risk.

We are not responsible for the content, privacy practices, policies, availability, or reliability of third-party websites. The display of a link or mention of a product does not constitute an unreserved endorsement by the Company.

Affiliate and partner links are identified in the content. We may receive compensation when you click certain links, which may influence editorial positioning of products, but does not compromise the accuracy of information provided.

9. Disclaimer of Warranties

THE SITE AND ITS CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.

We do not warrant that: the Site will be available uninterrupted or error-free; information will always be accurate, complete, or current; errors will be corrected; the Site or servers are free from viruses or other harmful components. Some jurisdictions do not allow the exclusion of implied warranties, so some of the above exclusions may not apply to you.

10. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE COMPANY SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION LOSS OF PROFITS, LOSS OF DATA, REPUTATIONAL HARM, OR OTHER INTANGIBLE LOSSES, ARISING FROM:

• Use of the Site: Your use of or inability to use the Site or its content.
• Financial decisions: Financial decisions made based on information from the Site. All decisions are solely your responsibility.
• Third-party links: The content or practices of third-party sites accessed through links on our Site.
• Technical failures: Interruptions, errors, viruses, or other technical failures on the Site.

11. Class Action Waiver

TO THE EXTENT PERMITTED BY APPLICABLE LAW, YOU AGREE THAT ANY CLAIMS ARISING UNDER THESE TERMS SHALL BE BROUGHT ON AN INDIVIDUAL BASIS ONLY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, OR REPRESENTATIVE PROCEEDING.

You waive any right to participate in a class action lawsuit or class-wide arbitration in connection with your use of the Site or these Terms.

12. Indemnification

You agree to indemnify, defend, and hold harmless the Company, its directors, employees, partners, and agents from any claims, damages, costs, liabilities, and expenses (including reasonable attorneys' fees) arising from: your violation of these Terms; your misuse of the Site; any content you submit or post on the Site; your violation of any third-party rights.

13. Governing Law and Dispute Resolution

These Terms are governed by the laws of the British Virgin Islands, without regard to conflicts of law principles. Any dispute arising from these Terms or your use of the Site shall first be subject to good-faith negotiation for a period of 30 days.

If not resolved by negotiation, disputes shall be submitted to binding arbitration under the rules of a mutually agreed arbitration body, in English. The arbitration award shall be final and binding.

Notwithstanding the foregoing, either party may seek injunctive or other equitable relief in any court of competent jurisdiction to prevent irreparable harm pending arbitration.

Nothing in this section prevents you from filing a complaint with the Federal Trade Commission (FTC), a state Attorney General, or other applicable regulatory authority.

14. Modifications

We reserve the right to modify these Terms at any time. Changes become effective immediately upon posting on the Site, with an updated effective date.

For material changes, we will post a notice on the Site for a reasonable period before they take effect. Your continued use of the Site after changes are posted constitutes acceptance of the updated Terms.

15. Contact

For questions, complaints, or notices related to these Terms of Use:

• Email: [email protected]
• Address: Level 1, Palm Grove House, Wickham's Cay 1, Road Town, Tortola VG1110