General Terms and Conditions of Use

Last updated: September 19, 2026.

These General Terms and Conditions of Use (“Terms”) govern your access to and use of the United States pages of the Kredua website located under /usa/, in English or in Spanish, and the posts whose address begins with “usa-” (the “Site”), operated by RR Digital, a company registered in Brazil under CNPJ , with its address at Rua Balbino Bento da Silva, 02, União dos Palmares/AL, 57800-000, Brazil (“Kredua”, “we”, “us”). By using the Site you agree to these Terms and to our Privacy Policy. If you do not agree, please do not use the Site.

1. What Kredua is, and what it is not

Kredua publishes reviews, comparisons and educational articles about credit cards, personal loans and personal finance topics in the United States. The Site is informational. Kredua is not a bank, lender, credit union, loan broker, credit repair organization or financial adviser. We do not accept applications, do not make credit decisions, do not extend credit and do not charge fees to consumers. Every product page links to the official website of the issuer or lender, where any application is submitted on that company’s terms.

Nothing on the Site is a promise, guarantee or prediction of approval, of a specific credit limit, rate or loan amount, or of any financial result. Eligibility, terms, rates and fees are determined solely by the issuer or lender, based on your credit profile, income, state of residence and the company’s own criteria at the time you apply.

2. Eligibility

The Site is intended for individuals who are at least 18 years old and reside in the United States. By using the Site you represent that you meet these conditions. Quizzes and email subscriptions are available only to adults.

3. Information accuracy and no financial advice

We take reasonable care to keep fees, APRs, rewards and eligibility rules accurate and to date the numbers in our texts. Issuers and lenders change their terms without notice, and the information on the Site may be incomplete or out of date at any moment. Always confirm the current terms on the issuer’s official website before applying. The content of the Site is general and educational; it does not take your personal circumstances into account and is not financial, legal, tax or credit advice. Consult a licensed professional for advice about your situation.

4. Loan and credit disclosures

Kredua is an independent, free information and comparison website. We are not a lender, a bank or a loan broker; we do not take applications, make credit decisions or charge you anything to use the site. Loan terms are set by each lender. The personal loans described on Kredua have repayment periods from a minimum of 12 months to a maximum of 60 months and annual percentage rates (APRs) from 3% to 36%, depending on the lender, your credit profile and the laws of your state. Representative example: a $10,000 personal loan repaid over 36 months at a 12% APR has 36 monthly payments of about $332.14 and a total cost of about $11,957, of which about $1,957 is interest. Kredua does not promote loans with repayment periods of 60 days or less. We may receive compensation from some of the companies whose products we describe; this never affects what we write.

Credit card APRs are set by each issuer, are typically variable and follow the prime rate; the ranges quoted in our reviews are those published by the issuer on the date stated in the text. Rewards, intro offers and fee waivers are subject to the issuer’s terms and may be changed or withdrawn.

5. Advertising, affiliate links and compensation

The Site is supported by advertising and by referral compensation. Some links on the Site are affiliate or referral links: if you click one and apply for or obtain a product, the issuer, lender or an advertising network may pay Kredua a fee. This compensation may influence which products we cover and their placement on the Site. It does not influence our description of a product’s costs, benefits and drawbacks, which are taken from the company’s own disclosures. Advertisements are labeled as such. We do not endorse any advertised product merely because it is advertised on the Site.

6. Third-party websites

Links to issuers, lenders, advertisers and other third parties are provided for your convenience. Those websites are not under our control, we are not responsible for their content, security, privacy practices or the products they offer, and a link does not imply endorsement. Any transaction you enter into with a third party is solely between you and that party.

7. Quizzes and email subscriptions

Our quizzes suggest a product page based on the answers you give; the suggestion is a general match, not an offer, a pre-qualification or a credit decision. When you provide your name and email address, you agree to receive emails from Kredua as described in the Privacy Policy. You may unsubscribe at any time using the link in every message; we process unsubscribe requests within 24 hours. Providing a phone number is optional; where we ask for one, we say what we use it for.

8. Acceptable use

You agree not to: use the Site for any unlawful purpose; attempt to gain unauthorized access to any part of the Site or its systems; use bots, scrapers or other automated means to copy content or submit forms, except for search engines operating within their published policies; interfere with the Site’s operation or security; submit false information in our forms; or reproduce, frame or republish the Site’s content without permission, except as permitted in section 9.

9. Intellectual property

The texts, illustrations, logos, design and code of the Site are owned by RR Digital or its licensors and are protected by copyright and trademark laws. You may view, print and share short excerpts of our articles for personal, non-commercial use, with attribution and a link to the original page. Any other use requires our prior written consent. Names and logos of banks, card networks, lenders and other companies belong to their respective owners and are used only to identify their products; their appearance on the Site does not imply any affiliation, sponsorship or endorsement.

10. 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, COMPLETENESS, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, ERROR-FREE OR FREE OF HARMFUL COMPONENTS, OR THAT ANY PRODUCT DESCRIBED WILL BE AVAILABLE TO YOU OR ON THE TERMS DESCRIBED.

11. Limitation of liability

TO THE FULLEST EXTENT PERMITTED BY LAW, RR DIGITAL AND ITS OWNERS, EMPLOYEES AND CONTRACTORS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, DATA OR GOODWILL, ARISING OUT OF OR RELATED TO YOUR USE OF THE SITE, ANY CONTENT ON IT, OR ANY PRODUCT OR SERVICE OBTAINED FROM A THIRD PARTY THROUGH A LINK ON THE SITE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR TOTAL LIABILITY FOR ANY CLAIM RELATED TO THE SITE WILL NOT EXCEED ONE HUNDRED U.S. DOLLARS (US$100). SOME STATES DO NOT ALLOW CERTAIN LIMITATIONS, SO SOME OF THE ABOVE MAY NOT APPLY TO YOU; IN THAT CASE OUR LIABILITY IS LIMITED TO THE EXTENT PERMITTED BY LAW.

12. Indemnification

You agree to indemnify and hold harmless RR Digital and its owners, employees and contractors from any claim, loss or expense (including reasonable attorneys’ fees) arising from your violation of these Terms or your misuse of the Site.

13. Changes to the Site and to these Terms

We may change, suspend or discontinue any part of the Site at any time. We may also revise these Terms; the date at the top shows the latest version, and continued use of the Site after a revision means you accept it. Material changes affecting subscribers will be announced by email.

14. Governing law and disputes

These Terms are governed by the laws of the Federative Republic of Brazil, where RR Digital is established, without prejudice to any mandatory consumer-protection rights you have under the laws of your state of residence. Before starting any formal proceeding, you agree to contact us at [email protected] and to try in good faith to resolve the dispute informally for at least 30 days. If a court finds any provision of these Terms unenforceable, the remaining provisions remain in effect.

15. Contact

Questions about these Terms: [email protected]. Postal address: RR Digital, Rua Balbino Bento da Silva, 02, União dos Palmares/AL, 57800-000, Brazil. Privacy matters: [email protected].

Last updated: 19/09/2026