Terms of Use

The conditions for using these guides, including the fact that the content is informational and not professional advice.

Last reviewed: November 2026

Information only, not professional advice

Everything published on this site is general information for a broad audience. It is not financial, legal, tax or credit advice, and reading it does not create a professional relationship. Borrowing costs, approval criteria and consumer protections differ between lenders and between jurisdictions, and they change over time.

Figures in the guides are rounded, hedged examples used to explain a mechanic. They are not quotes, not current market data and not an offer. Before committing to any credit agreement, read the written offer and, where appropriate, ask a qualified professional.

Intellectual property

The text, design, graphics, logos and arrangement of this site are owned by us or licensed to us. You may read, print and link to individual pages for personal, non-commercial use. You may not republish the guides in full, sell them, incorporate them into a competing product, or present them as your own work without written permission.

Prohibited conduct

You agree not to use the site to break the law, to attempt to gain unauthorised access to its files or hosting, to introduce malicious code, to scrape it in a way that degrades service for others, or to interfere with the delivery of third-party advertising and measurement. Automated collection that ignores our robots file is not permitted.

Third-party links and advertising

Some links and most advertising on these pages lead to or are supplied by independent third parties. We do not control those services, their content or their privacy practices, and a link is not an endorsement. Any transaction you enter into with a third party is between you and that party, and you should read their terms before proceeding.

Disclaimer of warranties

The site is provided as it is. We take care to write accurately, but we do not warrant that every page is complete, current or free of error, nor that the site will be available without interruption. You are responsible for independently checking any figure that matters to a financial decision.

Limitation of liability

To the extent permitted by law, we are not liable for loss arising from reliance on the information here, from a decision made by a lender, from an interruption of the site, or from the acts of third-party providers. This does not limit liability that cannot lawfully be limited, including liability for fraud.

Changes to these terms

We may revise these terms as the site develops. The version on this page is the one that applies, and the review date below will change when it does. Continuing to use the site after a revision means you accept the updated terms. Last reviewed: November 2026.

Governing law

These terms are governed by the laws applicable where the site is operated, without affecting any mandatory consumer protections you have under the law of your own country of residence.

Contact

Questions about these terms can be sent to contact@consolidwise.com or through the Contact Us page.