CreditCostGuide
Terms of Use | CreditCostGuide
Read the terms that govern use of CreditCostGuide content, calculators, and site features.
Policy
Terms of Use
These terms govern use of CreditCostGuide. By using the Site, the reader agrees to the terms below. Last reviewed: May 2026.
1
Educational purpose
All content is published for general educational purposes. Javi Pérez is not a licensed financial advisor, CPA, CFP, loan officer, tax professional, or attorney. This content is educational only and does not replace advice from a qualified professional.
2
Accuracy and freshness
Rates, fees, and product details change. CreditCostGuide reviews every indexable page at least quarterly and updates rate-sensitive numbers when the underlying federal data series publishes new figures, but the Site cannot guarantee that any specific number is current at the moment of reading. Always confirm pricing and terms directly with the lender or bank.
3
Calculators
Calculators use standard, publicly documented formulas (loan amortization, month-by-month payoff simulation, utilization ratio). They are tools for testing scenarios, not lending or banking applications. They do not transmit input data to any server; calculation runs entirely in the reader’s browser.
4
Affiliate links and advertising
Some pages contain affiliate links (currently SmartCredit via CJ Affiliate), marked rel="nofollow sponsored" and disclosed where they appear. CreditCostGuide may earn a commission when a reader signs up through an affiliate link, at no additional cost to the reader. Affiliate partnerships do not influence editorial recommendations. The Site also displays ads through Google AdSense.
5
Limitation of liability
To the maximum extent permitted by law, CreditCostGuide and its editor are not liable for any loss, damages, or claim arising from use of the Site or reliance on its content. The Site is provided “as is”.
6
Contact
For corrections, source updates, or permission requests, email [email protected].
FAQ
Common questions
Can I republish content from CreditCostGuide?
Short quotes with a link back are welcome. For full reuse, email [email protected] for permission.
Are the calculators warranted to be accurate?
Calculators use standard amortization formulas and are accurate for the inputs given, but real-world quotes depend on lender pricing, taxes, insurance, and credit. Always confirm with the lender or bank.
What happens if I rely on this content?
Javi Pérez is not a licensed financial advisor, CPA, CFP, loan officer, tax professional, or attorney. This content is educational only and does not replace advice from a qualified professional.
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