Effective Date: 12/04/2025

The information provided on badcreditnerd.com (“Bad Credit Nerd,” “we,” “us,” or “our”) is for general informational and educational purposes only. By using this Site, you agree to this Disclaimer. If you do not agree, please discontinue use of the Site.

1. No Financial, Legal, or Professional Advice

Nothing on this Site constitutes or should be interpreted as:

  • Financial advice
  • Credit repair advice
  • Legal advice
  • Tax advice
  • Professional consulting

All information is provided for educational purposes only. You are responsible for consulting with a qualified financial advisor, credit counselor, attorney, or tax professional before making financial decisions.

2. No Guarantees of Approval or Results

We provide general information about credit cards, financial products, and credit-building strategies. We do not guarantee:

  • Approval for any financial product
  • Specific credit score improvements
  • Removal of negative items from credit reports
  • That any product or strategy will work for your situation

Individual outcomes vary based on personal financial history, lender policies, credit bureau reporting, and other factors beyond our control.

3. Accuracy of Information

We strive to provide accurate, up-to-date information, but:

  • Product terms, interest rates, fees, and requirements may change without notice
  • We make no warranties about completeness or accuracy
  • Content may become outdated or contain unintentional errors

Always verify details directly with the financial institution or service provider before making decisions.

4. Affiliate Disclosure

Bad Credit Nerd participates in affiliate programs, including but not limited to:

  • Amazon Associates
  • Credit card and banking affiliate networks
  • Personal finance product partnerships
  • Other sponsored or referral-based programs

We may earn a commission when you click on links or sign up for products and services recommended on this Site. These commissions come at no additional cost to you.

Affiliate partnerships may influence which products appear on the Site and their placement; however, they do not influence our opinions or editorial content.

5. Amazon Associates Disclosure

Bad Credit Nerd is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to
Amazon.com.
As an Amazon Associate, we may earn from qualifying purchases.

6. Advertising Disclosure

We may display advertisements through Google AdSense and other advertising networks. These networks may use cookies, tracking technologies, and data collection tools to:

  • Serve personalized or non-personalized ads
  • Measure ad performance
  • Provide relevant advertising content

We do not control how third-party advertisers collect or use data. Please refer to their privacy policies for more information.

7. Third-Party Links and Offers

This Site contains links to third-party websites, products, and offers. We are not responsible for:

  • The content of third-party websites
  • Accuracy of external information
  • Privacy practices or security of external sites
  • Any products, services, or offers provided by third parties

Your interactions with third-party sites are solely between you and the third party.

8. User Responsibility

By using this Site, you acknowledge and agree that:

  • You are responsible for evaluating the suitability of any financial product or service
  • You understand that credit decisions involve risk
  • You will verify product details before applying or purchasing
  • You will not rely solely on our content for financial decision-making

9. No Warranties

All content, tools, and resources on this Site are provided on an “as is” and “as available” basis without warranties of any kind, express or implied.

We disclaim all warranties, including but not limited to fitness for a particular purpose, merchantability, and non-infringement.

10. Limitation of Liability

To the fullest extent permitted by law, Bad Credit Nerd and its owners, contributors, affiliates, and partners are not liable for any:

  • Direct, indirect, incidental, or consequential damages
  • Loss of data, profits, or financial losses
  • Errors, inaccuracies, or omissions in content
  • Decisions made based on information on this Site
  • Issues or damages arising from third-party websites or offers

Your use of the Site is solely at your own risk.

11. Updates to This Disclaimer

We may update or revise this Disclaimer at any time without prior notice.
When changes are made, the “Effective Date” will be updated. Continued use of the Site signifies your acceptance of the updated Disclaimer.

12. Contact Us

If you have questions about this Disclaimer or any part of our policies, please contact us at:

Bad Credit Nerd
Email: legal@badcreditnerd.com