Terms of service

1. Acceptance

By accessing or using finbarrow.com (the "Site"), you agree to be bound by these terms. If you do not agree, do not use the Site. We may revise these terms occasionally; the revised version takes effect on the date posted above. Continued use after a revision constitutes acceptance of the revised terms.

2. What finbarrow is — and is not

finbarrow is an independent personal finance editorial publication. Content on the Site is educational and informational only. finbarrow is not a licensed financial advisor, investment advisor, broker-dealer, tax preparer, attorney, or insurance agent, and nothing on the Site is intended as personalized financial, investment, tax, legal, or insurance advice for any specific reader.

Before acting on any information you read here, verify the underlying numbers and terms with the issuer, bank, broker, or relevant regulator, and consult a licensed professional where appropriate. Your financial decisions are your responsibility.

3. Accuracy and timeliness

finbarrow strives to be accurate. Every quantitative claim is anchored to a primary source (CFPB, FDIC, Federal Reserve, IRS, FICO, FINRA, SEC, NCUA, or the issuer itself). However, rates, fees, terms, and regulatory thresholds change frequently. Information on the Site may be out of date by the time you read it. Verify current data at the source before relying on it. If you find an error, please tell us — we correct promptly and document the change.

4. No warranty

The Site and all its content are provided "as is" and "as available", without warranty of any kind, express or implied, including warranties of merchantability, fitness for a particular purpose, accuracy, timeliness, or non-infringement. We do not warrant that the Site will be uninterrupted, secure, or error-free.

5. Limitation of liability

To the maximum extent permitted by applicable law, finbarrow, Cristian Corrales, and any contributors, reviewers, or affiliates will not be liable for any direct, indirect, incidental, special, consequential, or punitive damages — including but not limited to lost profits, lost savings, or lost opportunities — arising out of or in connection with your use of the Site or your reliance on any information published here. Your sole and exclusive remedy for dissatisfaction with the Site is to stop using it.

6. Third-party links and products

The Site contains links to third-party sites, products, and services. These links do not constitute endorsements. We do not control the content, practices, or terms of those third parties and are not responsible for them. If you apply for a financial product through a link on the Site, your relationship is with the issuer or provider — not with finbarrow. Read the issuer's own terms before applying.

Some links on the Site are affiliate links — see our funding disclosures for how that works and how we keep it from influencing editorial decisions.

7. Intellectual property

All editorial content on finbarrow — articles, calculators, illustrations, data visualizations, and the finbarrow name and logo — is © 2026 Cristian Corrales, all rights reserved, except where noted. You may quote short passages with attribution and a direct link back to the source page on finbarrow.com. You may not republish, scrape, syndicate, or train AI models on substantial portions of finbarrow content without written permission.

8. Prohibited uses

• Scraping the Site at a rate that materially impacts performance for other readers.
• Reproducing finbarrow content on another property without permission.
• Using finbarrow content to train commercial AI models without permission.
• Attempting to interfere with the Site's security, availability, or integrity.
• Misrepresenting the source of finbarrow content or implying an endorsement we have not given.

9. DMCA / copyright complaints

If you believe content on finbarrow infringes your copyright, send a DMCA-compliant notice to [email protected] with: (a) your contact information, (b) identification of the work you believe is infringed, (c) the URL of the alleged infringement on finbarrow, (d) a statement under penalty of perjury that the use is not authorized, and (e) your signature (electronic is fine). We will respond promptly.

10. Governing law and disputes

These terms are governed by and construed in accordance with the laws of the State of Delaware, United States, without regard to its conflict-of-laws principles. Any dispute arising out of or related to these terms or your use of the Site shall be resolved in the state or federal courts located in Delaware. Nothing in this section excludes any non-waivable consumer protection rights you have under the California Consumer Privacy Act (CCPA/CPRA), the General Data Protection Regulation (GDPR), or equivalent laws in your state or country of residence.

11. Severability and entire agreement

If any provision of these terms is held unenforceable, the remaining provisions remain in force. These terms — together with the privacy policy, disclaimers, and funding disclosures — constitute the entire agreement between you and finbarrow regarding the Site.

12. Contact

Questions about these terms: [email protected].

Educational content only. finbarrow is an independent editorial publication, not a licensed financial advisor, broker, tax preparer, or attorney. Always verify rates, terms, and eligibility with the issuer or a licensed professional before acting. See disclaimers and funding disclosures for details.