Terms of Use

Last Updated: October 29, 2025

These Terms of Use govern your access to and use of our educational credit-health application. By creating an account or using the app, you agree to these Terms.

If you do not agree, you must discontinue use of the app.

1. Overview of the App

The app provides educational content and tools related to credit and loans, including:

• Articles about loan types and credit basics
• APR comparison and information
• Loan calculators
• A glossary of credit and lending terms

The app does not offer loans, does not arrange loans, and does not provide financial, legal, or professional advice.

All content is strictly for educational purposes.

2. Eligibility

You must be at least 18 years old to use the app.

By using the app, you represent that:

• You are legally able to enter into these Terms
• The information you provide during registration is accurate and your own

3. Account Registration

To use certain features, you may be required to create an account by providing:

• Name
• Email address

You agree to:

• Provide accurate information
• Keep your login details confidential
• Be responsible for all activity under your account

We may suspend or terminate your account if we detect misuse or violation of these Terms.

4. Educational Content Only

The app:

• Does not issue loans
• Does not process loan applications
• Does not collect financial or credit information
• Does not give personalized financial advice

All calculators, APR comparisons, and examples are estimates for learning only.

You should not rely on the app for making financial decisions.

5. User Conduct

You agree not to:

• Misuse or attempt to access the app in an unauthorized manner
• Interfere with the app's operation
• Use the app for any illegal or harmful purpose
• Upload or transmit inappropriate, fraudulent, or malicious content

We may restrict or terminate access if these rules are violated.

6. Intellectual Property

All content within the app—including text, graphics, design, educational materials, and tools—is owned by us and is protected by applicable intellectual property laws.

You may use the content for personal, non-commercial purposes only.

You may not:

• Copy, distribute, or modify app materials
• Reverse-engineer or attempt to extract source code

7. Disclaimers

The app and all content are provided "as is" without warranties of any kind.

We do not guarantee:

• Accuracy or completeness of educational content
• That calculated values or APR ranges reflect real-world lender offers
• Continuous, error-free operation of the app

You use the app at your own discretion and risk.

8. Limitation of Liability

To the fullest extent permitted by law, we are not liable for any:

• Direct, indirect, incidental, or consequential damages
• Losses related to financial decisions you make
• Issues arising from inaccurate, incomplete, or outdated educational content

Because the app does not collect financial data and does not offer financial services, liability is intentionally limited.

9. Third-Party Services

The app may use secure third-party services for authentication, analytics, or crash reporting. These services may collect limited non-identifiable data necessary for operation.

We are not responsible for the practices of third-party services outside of what is required for the app to function.

10. Account Termination

You may delete your account at any time.

We may suspend or terminate your account if:

• You violate these Terms
• We detect suspicious or harmful activity
• The app undergoes significant updates or restructuring

Termination does not affect sections of the Terms that are intended to remain in effect.

11. Changes to These Terms

We may update these Terms from time to time.

The revised version will be indicated by the "Last Updated" date at the top.

Continued use of the app means you accept the updated Terms.

12. Contact

If you have questions about these Terms, you may contact us anytime:

support@matexfinance.com