Effective Date: 12/04/2025

Welcome to Bad Credit Nerd (“we,” “us,” “our,” or “the Site”). By accessing or using badcreditnerd.com, you agree to comply with and be bound by these Terms of Service (“Terms”).
If you do not agree with any part of these Terms, please discontinue use of the Site.

1. Acceptance of Terms

By accessing or using this Site, you acknowledge that you have read, understood, and agreed to be legally bound by these Terms and our Privacy Policy. These Terms apply to all visitors, users, and anyone who interacts with the Site.

2. Informational and Educational Purpose Only

The content on Bad Credit Nerd is provided for general informational and educational purposes only.
Nothing on this Site constitutes:

  • Financial advice
  • Credit repair advice
  • Legal advice
  • Professional consulting or recommendations

You should always verify product details directly with the provider and consider consulting with a qualified professional before taking financial action.

3. No Guarantees or Warranties

We make no guarantees regarding:

  • Approval for financial products or credit cards
  • Improvement of credit scores
  • The accuracy, completeness, or timeliness of content

All content is provided on an “as-is” and “as-available” basis. We disclaim all warranties, expressed or implied, including but not limited to merchantability and fitness for a particular purpose.

4. Affiliate Relationships and Advertising

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

  • Amazon Associates
  • Credit card affiliate networks
  • Banking and financial product affiliate programs
  • Other merchant and service-based affiliate programs

We may earn commissions when you click links, apply for products, or complete qualifying actions through third-party websites linked from our Site. These commissions come at no additional cost to you.

Affiliate compensation may influence:

  • The placement or order of offers
  • Which partners we work with

However, affiliate relationships do not influence our commitment to providing honest and useful information.

5. Third-Party Websites and Services

Our Site contains links to third-party websites that are not owned or controlled by Bad Credit Nerd.
We are not responsible for:

  • The content on third-party sites
  • Their privacy policies or terms
  • Any products, services, or offers they provide

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

6. User Responsibilities

By using this Site, you agree not to:

  • Use the Site for unlawful purposes
  • Attempt to access restricted areas of the Site
  • Submit false, misleading, or harmful information
  • Copy, reproduce, or distribute content without permission
  • Engage in activities that interfere with Site functionality

You are solely responsible for the decisions you make based on information found on this Site.

7. Intellectual Property

All content on Bad Credit Nerd—including text, graphics, logos, articles, and formatting—is the property of Bad Credit Nerd or its content providers and is protected by copyright and intellectual property laws.

You may not reproduce, distribute, or create derivative works without explicit written permission from us.

8. Accuracy and Availability of Content

We strive to keep information accurate and up to date but do not guarantee completeness or current accuracy. Financial products, interest rates, terms, and conditions may change without notice.

We reserve the right to modify, remove, or update content at any time.

9. Disclaimer of Liability

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

  • Errors or omissions in content
  • Losses or damages arising from the use of this Site
  • Actions taken based on Site information
  • Damages related to third-party websites or offers

Your use of the Site is at your own risk.

10. Privacy Policy

Your use of this Site is also governed by our Privacy Policy, which describes how we collect and use information.
Please review the Privacy Policy regularly to understand your rights and obligations.

11. Indemnification

You agree to indemnify and hold harmless Bad Credit Nerd, its owners, affiliates, and partners from any claims, damages, liabilities, losses, or expenses (including legal fees) arising from:

  • Your use of the Site
  • Your violation of these Terms
  • Your interaction with third-party services or websites

12. Changes to Terms

We may update or modify these Terms at any time without prior notice. The updated version will be posted on this page with a revised Effective Date.

Your continued use of the Site after changes have been made signifies your acceptance of the updated Terms.

13. Termination of Use

We reserve the right to terminate or restrict access to the Site, without notice, for any behavior that violates these Terms or is harmful to other users, the Site, or our business interests.

14. Governing Law

These Terms are governed by the laws of the United States and the State of your primary residence, without regard to conflict of law principles.

15. Contact Information

If you have questions about these Terms of Service, your rights, or how the Site operates, please contact us:

Bad Credit Nerd
Email: legal@badcreditnerd.com