These Terms of Use govern the access to and use of https://www.xcreditinsurance.com/ (the “Site”). By accessing or using the Site, the user declares that they have read, understood, and accepted all provisions contained herein. If you do not agree with these terms, please discontinue use of the Site immediately.
1. Purpose and Scope
The Site provides free access to informational content related to credit insurance, financial services, market trends, personal finance, and related topics. The Site may include third-party advertising and monetization mechanisms while offering content at no cost to users.
2. Permitted Use
Authorized uses:
– Browsing and reading published content for personal, non-commercial, informational purposes
– Sharing links to public pages of the Site
Prohibited uses:
– Reproducing, copying, redistributing, or commercially exploiting content without prior written consent
– Using automated tools (such as scrapers, bots) to extract data without authorization
– Attempting unauthorized access to restricted areas or system resources
– Performing actions that may compromise security, performance, or stability of the Site
3. Intellectual Property Rights
All content available on the Site — including text, images, layout, code, trademarks, and other elements — is protected under applicable intellectual property and copyright laws. Unauthorized reproduction, distribution or modification is strictly forbidden.
4. Informational Nature and Disclaimer
All materials on the Site are provided for informational purposes only. Although we strive to maintain accuracy and keep content updated, XCreditInsurance does not guarantee that all content is complete, error-free, or current. Use of the information is at the user’s own risk. The Site does not offer personalized financial, legal or insurance advice.
5. External Links
The Site may contain links to third-party websites or services. XCreditInsurance does not control external content, policies, or practices. Users accessing third-party links do so at their own discretion and risk. The Site is not responsible for external third-party content, services, or privacy practices.
6. Advertising and Monetization
The Site may display ads from third-party networks, affiliate links, or other monetization tools. Presence of ads or promotional content does not imply endorsement or guarantee of quality from XCreditInsurance regarding third-party products or services.
7. Modification of Content and Terms
XCreditInsurance reserves the right to modify, suspend, or discontinue any part of the Site — including content, features, or access — at any time without prior notice. These Terms of Use may also be updated at any time; the latest version will always be available on the Site.
8. Limitation of Liability
To the fullest extent permitted by law, XCreditInsurance is not liable for:
– Any direct or indirect damages resulting from use or inability to use the Site
– Consequences arising from reliance on the information provided by the Site
– Damages related to third-party services, advertisements, external links, or content beyond the control of the Site
– Losses caused by technical failures, security breaches, malware, or factors outside the Site’s control
9. Contact for Formal and Legal Communication
For formal notices, legal requests, copyright concerns, or inquiries regarding these Terms:
contact@xcreditinsurance.com
Last update: 01/12/2025