Terms of Use
Welcome to OpenZed, accessible at openzed.com. By accessing and using this website, you agree to comply with these Terms of Use and our Privacy and Cookies Policies.
We provide free educational content related to financial products and services, including credit cards, loans, financing, investments, and relevant apps that impact your digital financial life.
1. Acceptance of Terms
By using OpenZed, you acknowledge that you have read, understood, and agreed to be bound by these Terms of Use.
You represent that you are at least 18 years old and legally permitted to use this website under the laws of your place of residence.
If you do not agree to any part of these Terms, please do not use the website.
2. Contact
For inquiries, support, or complaints, users may contact us via the contact form available on the website.
3. User Responsibilities
Users agree to:
- Use the site lawfully and ethically
- Refrain from engaging in fraudulent or harmful activities
- Respect the rights of third parties and the site’s content ownership
Users are solely responsible for reviewing these Terms and any updates before continued use of the site.
4. Intellectual Property
All content on OpenZed — including texts, graphics, logos, icons, images, software, and trademarks — is the intellectual property of OpenZed or its partners and is protected by applicable copyright and trademark laws.
You may not reproduce, distribute, modify, or use any content without prior written permission, unless expressly permitted by law.
5. External Links and Third Parties
OpenZed may contain links to third-party websites or services. These are provided for convenience only.
OpenZed is not responsible for:
- Content, privacy policies, or practices of external sites
- Products or services offered by third parties
- Accuracy or completeness of third-party information
Users should review third-party terms and policies independently.
6. Limitation of Liability
OpenZed is provided “as is” and “as available.” We do not guarantee that the website will be error-free, secure, or uninterrupted.
OpenZed disclaims liability for:
- Damage to devices or systems (including malware or viruses)
- Financial losses or damages resulting from reliance on content
- Unauthorized use of personal data by third parties
We do not request or accept payments, bank transfers, or personal financial data. If you receive such a request, report it immediately.
7. Account and Content Usage
Users are not required to create accounts to access the site, but must not attempt to bypass security measures or interfere with system operations.
Any misuse of the site may lead to restricted access or legal action.
8. Modifications to Terms
OpenZed reserves the right to modify these Terms at any time without prior notice.
Continued use of the site after changes constitutes acceptance of the updated Terms.
9. Indemnification
You agree to indemnify and hold harmless OpenZed, its affiliates, and partners from any claims, damages, or liabilities arising from your misuse of the website or violation of these Terms.
10. Governing Law and Jurisdiction
These Terms of Use and any disputes arising from them are governed by the laws of the United States, and when applicable, the laws of the State of California, without regard to conflict of law principles.
Any legal actions shall be brought before the courts located in California, USA, unless consumer protection laws in your place of residence provide otherwise.
11. Consumer Rights
Nothing in these Terms limits your rights under applicable consumer protection laws in your country or state of residence.
Questions?
If you have any concerns or questions about these Terms of Use, please contact us through our official contact form.
