Last Updated: February 23, 2026
Please read these Terms and Conditions (“Terms”, “Terms and Conditions”) carefully before using the https://www.creditadvice.in/ website (the “Service”) operated by Sultan Semnani (“us”, “we”, or “our”).
Your access to and use of the Service is conditioned on your acceptance of and compliance with these Terms. These Terms apply to all visitors, users, and others who access or use the Service.
By accessing or using the Service you agree to be bound by these Terms. If you disagree with any part of the terms then you may not access the Service.
1. Use of Our Service
You must be at least 18 years old (or the age of majority in your jurisdiction) to use this Service.
The Service is a personal finance blog providing general information, articles, and opinions on topics such as credit, loans, credit cards, personal finance, and related matters. All content is for informational and educational purposes only and does NOT constitute professional financial, investment, legal, tax, or credit repair advice.
You agree to use the Service only for lawful purposes and in a way that does not infringe the rights of others or restrict or inhibit their use and enjoyment of the Service.
Prohibited uses include (but are not limited to):
- Violating any applicable federal, state, provincial, or local laws in the United States, Canada, India, or your jurisdiction
- Infringing any intellectual property rights
- Transmitting viruses, malware, or any other harmful code
- Attempting to gain unauthorized access to any part of the Service
- Interfering with or disrupting the Service or servers
- Engaging in any activity that violates Google AdSense policies (including but not limited to invalid clicks, impressions, or automated interactions with advertisements)
2. No Professional Advice – Important Disclaimer (Finance Niche)
The information provided on the Service, including articles, comments, and any linked resources, is general in nature and may not apply to your specific financial situation. We are not financial advisors, credit counselors, accountants, attorneys, or licensed professionals.
Reliance on any information on the Service is strictly at your own risk. We strongly recommend consulting a qualified professional (such as a certified financial planner, credit counselor, or attorney) before making any financial decisions, applying for credit, or taking any action based on content from this site.
We do not guarantee the accuracy, completeness, timeliness, or reliability of any content. Financial markets, credit laws, and regulations change frequently.
3. Intellectual Property
The Service and its original content (excluding User Comments), features, and functionality are and will remain the exclusive property of Sultan Semnani and its licensors.
Our content is protected by copyright, trademark, and other laws of India, the United States, Canada, and foreign countries.
You are granted a limited, non-exclusive, non-transferable license to access and use the Service for personal, non-commercial purposes only.
You may not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on our Service without our prior written consent, except for:
- Temporary storage in RAM incidental to your accessing
- Browser caching
- Printing a reasonable number of pages for personal, non-commercial use only
4. User Comments
The Service allows users to post comments on articles (“User Comments”). You retain ownership of your User Comments.
By posting a comment, you grant us a worldwide, non-exclusive, royalty-free, perpetual, irrevocable, transferable license to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, perform, and display such comments in connection with operating, promoting, and improving the Service.
You represent and warrant that your User Comments:
- Do not violate any third-party rights (including copyright, trademark, privacy, or publicity rights)
- Do not contain defamatory, obscene, abusive, hateful, or otherwise objectionable content
- Do not promote illegal activities
- Are not spam, promotional, or commercial in nature without disclosure
We reserve the right (but have no obligation) to monitor, moderate, remove, or disable any User Comments at our sole discretion, without notice.
5. Third-Party Links and Advertising
The Service may contain links to third-party websites or services that are not owned or controlled by us.
We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services.
We display advertisements via Google AdSense on the Service. By using the Service, you acknowledge and agree that:
- Ads may be targeted based on your activity and interests
- We comply with Google AdSense Program Policies, Google Publisher Policies, and all applicable laws
- You shall not click on, view, or interact with advertisements in a fraudulent or artificial manner
- You shall not encourage others to click on ads invalidly
- You shall not use any software, bots, scripts, or automated means to interact with ads
- Any violation of these rules may result in immediate termination of access to the Service and reporting to Google
6. Disclaimer of Warranties
The Service is provided “AS IS” and “AS AVAILABLE” without warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, non-infringement, or accuracy of financial information.
We do not warrant that the Service will be uninterrupted, error-free, secure, or free of viruses or other harmful components.
7. Limitation of Liability
To the fullest extent permitted by applicable law (including laws of the United States and Canada), in no event shall Sultan Semnani, its affiliates, or contributors be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, credit score impact, or other intangible losses, resulting from your use of or inability to use the Service.
8. Indemnification
You agree to defend, indemnify, and hold harmless Sultan Semnani from and against any claims, damages, obligations, losses, liabilities, costs, or debt, and expenses (including attorney’s fees) arising from your use of the Service, violation of these Terms, or violation of any third-party rights.
9. Governing Law
These Terms shall be governed and construed in accordance with the laws of India, without regard to its conflict of law provisions. However, for users in the United States or Canada, any disputes related to consumer protection or applicable local laws may be subject to the jurisdiction of courts in those countries as required.
Disputes shall be resolved exclusively in the courts located in India (or your local jurisdiction if mandatory consumer laws apply).
10. Changes to Terms
We reserve the right to modify or replace these Terms at any time. If a revision is material, we will provide notice (e.g., by posting on this page) at least 30 days in advance where feasible.
Your continued use of the Service after changes constitutes acceptance of the new Terms.
11. Contact Us
If you have any questions about these Terms, please contact us at:
Email: technashirbusiness@gmail.com Website: https://www.creditadvice.in/