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Terms of Use

Last Updated: March 2026

Welcome to Crednix (“we,” “us,” or “our”), owned and operated by SELECT TECH LLC. These Terms of Use (“Terms”) govern your access to and use of crednix.com (the “Site”). By accessing or using the Site, you agree to be bound by these Terms. If you do not agree with any part of these Terms, please do not use our Site.

1. Informational Purposes Only (Financial Disclaimer)

The content provided on Crednix, including articles, reviews, credit card comparisons, and shopping guides, is for general informational and educational purposes only.

  • We are not a bank, financial institution, lender, or registered financial advisor.
  • None of the content on this Site constitutes professional financial, legal, or tax advice.
  • Approval for credit cards, personal loans, or free trial programs depends solely on the respective financial institutions and brands. We do not guarantee approval, specific credit limits, or the availability of any shopping deals mentioned.
  • You are solely responsible for your financial decisions. Always review the official terms and conditions of any European bank, credit card issuer, or retailer before applying for a product or making a purchase.

2. Affiliate Links and Advertising

Crednix is a for-profit website. We monetize the Site through advertising networks, including Google AdSense and Google Ad Manager, and through affiliate marketing partnerships.

  • We may earn a commission or referral fee when you click on certain links, apply for a credit card, or purchase a product through our Site, at no additional cost to you.
  • Our editorial content and reviews are based on our own research and analysis. However, affiliate partnerships may influence which products we feature and where they appear on the Site.
  • Advertisements served by Google and other third-party networks are distinct from our editorial content.

3. User Conduct

By using Crednix, you agree to interact with the Site responsibly. You agree not to:

  • Use the Site for any illegal, fraudulent, or unauthorized purpose.
  • Attempt to hack, disrupt, or compromise the security and functionality of the Site.
  • Scrape, extract, or copy our data, guides, and articles for commercial use without our explicit written permission.
  • Leave spam, offensive, or malicious comments on our articles.

4. Intellectual Property

All content on the Site, including text, graphics, logos, guides, and formatting, is the intellectual property of SELECT TECH LLC and is protected by copyright and other intellectual property laws. You may not reproduce, distribute, or create derivative works from our content without prior written consent.

5. Third-Party Links

Our Site contains links to external websites, including banks, credit card issuers, and fashion retailers. We do not control these third-party websites and are not responsible for their content, accuracy, privacy policies, or practices. Accessing any third-party link is entirely at your own risk.

6. Disclaimer of Warranties

The Site and all content within it are provided on an “as is” and “as available” basis. SELECT TECH LLC makes no representations or warranties of any kind, express or implied, regarding the accuracy, reliability, or completeness of the information provided regarding European credit scores, rewards programs, or shopping hacks.

7. Limitation of Liability

To the fullest extent permitted by law, SELECT TECH LLC, its officers, directors, employees, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or financial standing, arising from your use of the Site or reliance on any information provided herein.

8. Governing Law

These Terms shall be governed by and construed in accordance with the laws applicable to SELECT TECH LLC, without regard to its conflict of law provisions. Any legal action or proceeding related to the Site shall be brought exclusively in the appropriate courts of our registered jurisdiction.

9. Changes to These Terms

We reserve the right to modify or replace these Terms at any time. Any changes will be posted on this page with an updated “Last Updated” date. Your continued use of the Site after any modifications indicates your acceptance of the new Terms.

10. Contact Us

If you have any questions or concerns about these Terms of Use, please contact us at: