Terms of Use

These Terms of Use govern access to and use of the Pakistan edition of Kredua (pages under /pk/, content with the “pk-” prefix and the quizzes linked from them). By browsing the site or using the quizzes you accept them. If you do not agree, please do not use the site.

1. Site owner

The site is published by RR Digital (trading as Kredua), Brazilian company registration CNPJ , with its registered office at Rua Balbino Bento da Silva, 02, União dos Palmares/AL, CEP 57800-000, Brazil. Contact: [email protected].

2. Nature of the service

Kredua is an information and financial education portal. We publish reviews, comparisons and guides about credit cards, personal loans and other financial products offered by third parties in Pakistan, based on the information those institutions publish. Kredua is not a bank, a microfinance institution, a non-bank finance company, a lender, a broker or an agent of any financial institution, is not licensed by the State Bank of Pakistan or the Securities and Exchange Commission of Pakistan, and does not issue cards, grant loans, receive applications or take credit decisions. Every application is made directly with the institution, on its own website or at its branches, and the institution alone assesses and approves it.

3. Information, accuracy and no financial advice

We take care to keep fees, rates and conditions up to date, citing the Summary Box, Schedule of Charges or product page we relied on and the date we read it. Banks change their conditions without notice, however, and the figures on the site may be out of date at the moment you read them. Always confirm the current conditions on the institution’s official website before applying. The content is general information and opinion; it is not financial, legal or tax advice and does not take your personal situation into account.

4. Quizzes and recommendations

The quizzes match your answers to the products we review using fixed rules and show you the one that comes closest to your profile. The result is a content suggestion, not a credit assessment, an offer or a guarantee of approval. We never state that you are “pre-approved”, we do not consult the eCIB or any credit bureau and we cannot influence a bank’s decision.

5. Third-party links and affiliate compensation

Links marked as leading to the official website take you to pages operated by the financial institution, over which we have no control and for which we accept no responsibility. In some cases we receive a commission from the institution or an affiliate network when you take out a product through our link; this does not change the price you pay and does not influence our reviews, as explained on the “About Us” page. We also show advertising served by third-party networks.

6. Permitted use

You may read, share and quote the content for personal, non-commercial purposes, citing Kredua as the source and linking to the original page. You may not copy the site in whole or in substantial part, use automated tools to extract its content, attempt to access areas not intended for the public, interfere with the site’s operation, submit false data in the quizzes or forms, or use the site for any unlawful purpose.

7. Intellectual property

The texts, illustrations, quiz logic, layout, code and the Kredua name and mark belong to RR Digital or to its licensors and are protected by Brazilian and international copyright and trademark law. The names and marks of the financial institutions mentioned belong to their owners and are used only to identify their products.

8. No warranty and limitation of liability

The site is provided “as is”. To the extent permitted by law, RR Digital does not warrant that the content is complete, accurate or current, or that the site will be available without interruption, and is not liable for decisions you take on the basis of the content, for the conditions, conduct or decisions of any financial institution, or for the content of third-party websites. Nothing in these terms excludes liability that cannot be excluded under the mandatory law applicable to consumers resident in Pakistan.

9. Commercial communications

If you give us your e-mail address in a quiz or form and accept our communications, we will send you recommendations by e-mail. You can unsubscribe at any time through the link in each message. We do not send unsolicited SMS.

10. Personal data

The processing of your personal data is described in our Privacy Policy, which forms part of these terms.

11. Changes

We may change these terms and the site at any time. The current version is always available on this page, with the date of the last update; continued use of the site after a change means that you accept the new terms.

12. Governing law and disputes

These terms are governed by the laws of Brazil, where the site owner is established, without prejudice to the mandatory rules that protect consumers resident in Pakistan, including the Electronic Transactions Ordinance 2002, the Prevention of Electronic Crimes Act 2016 and the provincial consumer protection acts where they apply. For any dispute you may use the courts of your place of residence in Pakistan or the courts of the owner’s registered office. Before any formal step, write to [email protected]: most problems are solved with an e-mail.

Last updated: 19/09/2026