Terms & Conditions
Last updated: May 28, 2025
Important:
Credjyo is NOT a lender. We are an advertising comparison platform. We do not make credit decisions or guarantee loan approval.
1. Acceptance of Terms
By accessing and using Credjyo ("the Site"), you accept and agree to be bound by these Terms & Conditions and our Privacy Policy. If you do not agree to these terms, please do not use our website.
2. Description of Service
Credjyo is a free loan comparison advertising platform. We connect users with third-party lenders and financial services companies. We are NOT a lender, broker, or financial advisor. We do not make credit decisions, issue loans, or guarantee loan approval. All loan offers come from our network of independent lender partners.
3. Affiliate Disclosure
Credjyo participates in affiliate marketing programs. We receive compensation when users click on links to our lender partners and complete applications. This compensation may influence the placement and prominence of offers on our site but does not affect the accuracy of our information or our commitment to users.
4. Not Financial Advice
The information on this website is for educational and comparison purposes only. Nothing on this site constitutes financial, legal, or investment advice. Always consult a qualified financial advisor before making borrowing decisions. Loan products and rates shown are for illustration purposes and may not reflect offers available to you.
5. Accuracy of Information
We strive to maintain accurate and current information, but loan rates, terms, and availability change frequently. We do not guarantee the accuracy, completeness, or timeliness of any information on this site. Always verify current terms directly with the lender before applying.
6. Third-Party Websites
Our site contains links to third-party lender websites. We are not responsible for the content, privacy practices, or terms of these external sites. Your use of third-party sites is governed by their respective terms and conditions.
7. User Eligibility
Our services are intended for US residents who are at least 18 years of age. By using this site, you represent that you meet these eligibility requirements. Loan availability varies by state.
8. Intellectual Property
All content on Credjyo, including text, graphics, logos, and software, is the property of Credjyo or its content suppliers and is protected by US copyright laws. You may not reproduce, distribute, or create derivative works without our express written consent.
9. Limitation of Liability
Credjyo shall not be liable for any direct, indirect, incidental, special, or consequential damages resulting from your use of this site or any loan products obtained through our partners. Our total liability shall not exceed $100 in any circumstances.
10. Governing Law
These Terms shall be governed by the laws of the United States. Any disputes arising from use of this site shall be resolved through binding arbitration in accordance with the American Arbitration Association rules.
11. Changes to Terms
We reserve the right to modify these Terms at any time. Continued use of the site after changes constitutes acceptance. We will post the updated terms with a revised "Last Modified" date.