Disclaimer

This Disclaimer (hereinafter referred to as the “Disclaimer”) governs the use of the information materials provided on the WikiLoan website (hereinafter referred to as the “Website”), located at https://wikiloan.org. By accessing or using any part of the Website, you acknowledge and agree to the terms set forth in this document.

1. Informational Nature of Service

1.1. The Website functions exclusively as an independent information hub and a financial comparison platform (showcase).

1.2. The Website Administration explicitly declares that:

not a lender: we do not issue loans, provide credit, collect payments, or manage debt obligations;
not an agent or broker: the Website does not act as an agent, representative, or broker for any financial institution and does not participate in the execution of any loan agreements;
informational purpose: all content, including reviews, comparison tables, and regulatory news, is provided for educational and informational purposes only and does not constitute a solicitation to engage in any financial transaction.

2. Accuracy and Availability of Data

2.1. While we strive to maintain the accuracy of the information, the User acknowledges that:

product terms: interest rates (APR), loan terms, and eligibility requirements are determined solely by the lenders and may change without notice to the Website;
errors and omissions: the Website does not guarantee that the descriptions of financial products are entirely free of technical errors, inaccuracies, or typographical mistakes;
licensing: it is the User’s sole responsibility to verify the current licensing status of any lender or bank before entering into a binding agreement.

3. No Financial or Legal Advice

3.1. No information provided on the Website should be construed as individual financial, legal, investment, or tax advice.

3.2. Decisions regarding credit acquisition and the selection of specific financial offers are made by the User independently and at their own risk.

3.3. We strongly recommend consulting with a qualified financial advisor or legal counsel before committing to any financial obligations.

4. Limitation of Liability

4.1. Under no circumstances shall WikiLoan be held liable for:

consequences of choice: any financial losses, interest charges, penalties, or late fees arising from agreements concluded between the User and third-party lenders;
denial of service: the decisions of financial institutions to approve or reject your loan applications;
third-party actions: the content, privacy policies, or security of external websites accessed via outgoing links;
technical issues: temporary unavailability of the Website or incorrect functioning of financial calculators due to software or API failures.

5. Intellectual Property

5.1. All texts, graphics, and analytical reviews are the exclusive property of WikiLoan.

Full or partial copying of the content is permitted only with a direct, search-engine-indexed hyperlink to the original page on wikiloan.org.

6. Final Provisions

6.1. The Administration reserves the right to modify this Disclaimer at any time without prior notice.

6.2. Continued use of the Website following the publication of changes constitutes your acceptance of the updated terms.