Terms and Conditions
The terms that apply when you use the Credlyze website and its content.
Effective date: September 26, 2026
By accessing or using credlyze.com (the “Site”), you agree to these Terms and Conditions. If you do not agree, please do not use the Site.
The Site is operated by Workmind Provedor de Conteudo LTDA, CNPJ 51.535.198/0001-49, Rua Uruguai, 150, Jd. Terra Branca, Bauru, SP, 17054-150, Brazil (“Credlyze”, “we”).
1. Educational Content Only
The Site provides general educational information about credit, banking, loans and personal finance, mainly for readers in the United States. The content is not financial, investment, tax, accounting or legal advice, and it is not an offer or solicitation to buy or sell any financial product. It does not consider your individual circumstances. You are solely responsible for your financial decisions and should consult a qualified professional where appropriate.
2. No Provider Relationship
Credlyze is not a bank, lender, credit card issuer, broker, credit counselor or financial advisor. We do not make credit decisions, and we do not arrange or broker loans. Reading the Site does not create any advisory, fiduciary or professional relationship.
3. Accuracy and Changes
We work to keep our content accurate and cite official sources, but laws, rates, fees and product terms change and may differ by provider and location. We do not guarantee that content is complete, current or error-free. Examples that use numbers are hypothetical and for illustration only. Please verify important details with the relevant provider or official source. If you find an error, tell us through our contact page.
4. Intellectual Property
The Site’s text, design, logo, graphics and other content are owned by Credlyze or its licensors and are protected by applicable intellectual property laws. You may view and share links to the Site for personal, non-commercial use. You may not copy, republish, scrape or redistribute substantial portions of our content without permission. Brief quotations with attribution and a link back to the source are welcome.
5. Acceptable Use
You agree not to: use the Site unlawfully; attempt to gain unauthorized access to the Site or its systems; interfere with its operation; submit spam or malicious content through the contact form; or use automated means to overload the Site.
6. Third-Party Links
The Site links to third-party websites, including government sites, for reference. We do not control and are not responsible for their content, availability or practices, and a link does not imply endorsement.
7. Advertising
The Site may in the future display advertising or include other forms of monetization. See our Advertising Disclosure. Advertisements, if any, are not endorsements or recommendations by Credlyze.
8. Disclaimer of Warranties
The Site and its content are provided “as is” and “as available” without warranties of any kind, express or implied, including warranties of accuracy, fitness for a particular purpose and non-infringement, to the fullest extent permitted by law.
9. Limitation of Liability
To the fullest extent permitted by law, Credlyze and its operators will not be liable for any indirect, incidental, special, consequential or punitive damages, or any loss arising from your use of, or reliance on, the Site or its content, including financial losses.
10. Privacy
Our handling of personal information is described in our Privacy Policy.
11. Changes to These Terms
We may update these Terms from time to time. The effective date at the top shows when they were last changed. Continued use of the Site after changes means you accept the updated Terms.
12. Governing Law
These Terms are governed by the laws that apply to the Site’s operator, without regard to conflict-of-law principles. Nothing in these Terms limits any rights you have under mandatory consumer protection laws.
13. Contact
Questions about these Terms can be sent through our contact page.