Updated on October 28, 2025.
Introduction
Search Credits Now, available at https://searchcreditsnow.com/, is a free online platform that provides independently produced informational content about personal finance topics, including credit cards, financial products, banking services, and related tools. While our primary focus is on helping readers understand credit options and financial concepts, we also offer broader guidance on budgeting, responsible financial decision-making, and publicly available services. Our goal is to provide clarity in a space that often feels complicated—whether you are exploring your first line of credit, comparing banking features, or learning how financial products work.
All content published on Search Credits Now is developed by our own editorial team. Each article is the result of independent research and analysis of publicly available information to ensure the details are accurate at the time of publication and clear for everyday readers. By using this website, you agree to the terms and expectations outlined in this document. In these Terms of Use, references to “we,” “our,” or “us” refer specifically to the Search Credits Now team.
We are not a financial institution, lender, advisor, broker, or commercial provider of any financial service. We do not issue credit products, facilitate applications, process transactions, or guarantee approval or eligibility for any financial offering mentioned on our website. We are not affiliated with companies, brands, apps, or financial services featured in our content. Any reference to a product, feature, or institution is presented purely for informational purposes and based on publicly accessible data. We do not accept payments to promote specific financial products or providers, and all editorial decisions remain fully independent from advertising or commercial influence.
We also do not provide customer service related to financial applications, account management, repayment issues, technical difficulties, or product-specific concerns. Any guidance shared on our platform is general in nature and designed to help readers better understand financial options available through official providers. Access to Search Credits Now content is entirely free. We do not charge for viewing listings, guides, comparisons, or educational information.
Search Credits Now is intended for individuals looking to strengthen their financial knowledge—whether they are new to credit products, researching ways to manage money, or simply curious about improving financial well-being. Our mission is to make financial information more accessible by offering content that is clear, unbiased, and genuinely useful. We do not replace financial professionals, official customer service channels, or licensed advisors. We always encourage readers to verify all details directly with product providers before making any decisions.
By using this website, you agree to these Terms of Use and commit to complying with applicable laws while browsing or engaging with our content. You also understand that any financial decision, transaction, or application pursued as a result of information found on our platform is solely your responsibility. While we strive to maintain accurate and current content, we cannot guarantee that every article will reflect the latest updates to product terms, fees, eligibility criteria, or service availability. Financial offerings may be modified, discontinued, or removed by their owners at any time without notice.
We take the protection of your personal data seriously. For full details on how information is collected, stored, and used, please review our Privacy Policy, which forms an integral part of these Terms of Use.
This document explains your rights and responsibilities as a user of Search Credits Now. It outlines the purpose and limitations of the information we provide and reinforces respectful, lawful, and responsible use of our platform.
IF YOU DO NOT AGREE TO THESE TERMS, PLEASE DO NOT USE THE SEARCH CREDITS NOW WEBSITE OR ITS CONTENT.
Article I – Terms of Access and Acceptance
1.1 By accessing the Search Credits Now website at https://searchcreditsnow.com/, you acknowledge that you have read, understood, and agreed to both our Terms of Use and our Privacy Policy. These documents define the rules that govern your use of the platform and outline the relationship between you and Search Credits Now with respect to all available features and content.
1.2 Continued use of the site indicates that you meet the minimum legal age requirement of 16 years and that you have the legal capacity to enter into binding agreements. By remaining on the platform, you confirm that you accept all terms and conditions presented.
1.3 If you do not accept these terms or fail to meet the eligibility requirements, you must stop using the website and refrain from accessing its content, tools, or any related services without delay.
Article II – User Inquiries and Contact Channels
2.1 Search Credits Now provides official contact channels for users who wish to ask questions, share feedback, or report issues related to the site and its published content.
2.2 If you would like to get in touch with us, the most effective way is through the contact form available at https://searchcreditsnow.com/contact. This method ensures your message is sent to the correct department and helps our team respond as efficiently as possible.
Article III – Responsibilities of Users and Platform Use
3.1 Before continuing to use any part of the Search Credits Now website, users are expected to read and accept both the Terms of Use and the Privacy Policy. It is each user’s personal responsibility to understand these documents and act in accordance with them while browsing, reading, or engaging with our platform.
3.2 Throughout the site, you may come across links to other websites or services. These third-party resources are provided for informational purposes only. Search Credits Now is not affiliated with, does not manage, and does not officially endorse any external content or service linked from our pages.
3.3 If you choose to follow a link to an external website, you do so at your own discretion. It is your responsibility to review and understand the terms, privacy practices, and safety measures of any third-party site you choose to visit.
3.4 Search Credits Now is not accountable for how third-party websites operate or how they manage data. We do not participate in, supervise, or take responsibility for any agreements, communications, or transactions between you and any external party. These actions fall entirely under your own risk and judgment.
3.5 Users must take reasonable steps to secure their own devices and online activity. This includes safeguarding against cyber threats such as viruses, phishing schemes, spyware, or unauthorized access. Search Credits Now cannot be held liable for any issues or damages resulting from outside technical threats or vulnerabilities beyond our reach.
3.6 While we work to keep the website available and functioning properly, we cannot guarantee uninterrupted access. Unforeseen technical problems, outages, or malicious attacks may occasionally affect site performance. We are not responsible for any inconvenience or loss that may occur as a result.
3.7 Access to all content on Search Credits Now is entirely free. We do not charge for access, offer paid subscriptions, or accept donations. If someone contacts you requesting payment on our behalf, consider it a scam and notify us right away.
3.8 To help protect yourself from fraud or online scams, remain cautious when receiving unsolicited messages. Never click suspicious links or download unknown files. If you receive communication claiming to be from Search Credits Now and it seems suspicious or unusual, please report it through our official contact form at https://searchcreditsnow.com/contact so our team can investigate.
3.9 Search Credits Now uses advertising services, such as Google AdSense, to support the maintenance and production of free content. The presence of ads on our portal is strictly commercial and does not, under any circumstances, represent endorsement, partnership, or editorial affiliation between Search Credits Now and the advertised brands, products, or services. Our editorial content is produced independently and impartially, without influence or connection to advertisers. Search Credits Now is not responsible for the content, offers, or privacy policies of third-party websites accessed through these ads. Interaction with any advertisement is entirely the user’s responsibility.
Article IV – Unacceptable Use and Behaviour
To maintain a safe, respectful, and professional environment, Search Credits Now prohibits the following actions anywhere on the platform.
Unlawful activity
No user may use Search Credits Now to plan, promote, or carry out activities that violate any applicable law or regulation.
Breach of legal standards
All visitors must comply with municipal, provincial, national, and international laws when using the site. Conduct that conflicts with these standards may lead to corrective action or referral to the proper authorities.
Intellectual-property infringement
Articles, images, and other original materials on Search Credits Now are protected by copyright. Copying, modifying, distributing, or republishing our content without written permission is forbidden.
Harassment, discrimination, and defamation
Any form of harassment, hate speech, abusive language, or defamatory statement directed at an individual or group is prohibited. This includes attacks based on race, ethnicity, gender, religion, sexual orientation, disability, or any legally protected status.
Spreading false or misleading information
Users must not share content they know—or have reason to know—is false, deceptive, or intended to mislead others.
Distribution of malicious code
Uploading, linking, or otherwise spreading malware, spyware, ransomware, viruses, or unauthorized tracking tools is strictly forbidden and may result in immediate suspension as well as legal consequences.
Misuse of personal information
Collecting, sharing, or exploiting another person’s data without lawful consent is prohibited. Users must respect all privacy and data-protection rules.
Fraudulent or deceptive conduct
Impersonation, phishing, identity theft, or the creation of deceptive profiles and communications is not allowed. Any attempt to deceive others or misrepresent affiliation with Search Credits Now constitutes a serious violation.
Posting inappropriate or obscene content
Material containing explicit sexual imagery, graphic violence, or other content deemed offensive or unsuitable for a professional setting is not permitted.
Tampering with platform security or integrity
Attempts to hack, disrupt, reverse-engineer, or bypass any security feature of Search Credits Now are forbidden. Unauthorized access to our infrastructure is expressly prohibited.
Violating any of the rules above may result in temporary suspension or permanent removal from the platform. When conduct poses a threat to safety, causes significant harm, or involves illegal acts, Search Credits Now reserves the right to alert law-enforcement agencies and pursue any legal remedy available.
Article V – No Guarantees and Limitation of Responsibility
Search Credits Now is committed to providing accurate, well-researched, and relevant information about financial products, services, and publicly available details from official providers. Our goal is to maintain a stable and informative platform where readers can browse educational content, financial comparisons, and general guidance with ease. However, we cannot guarantee that the website will always operate without interruptions, technical issues, delays, or temporary unavailability. Features, articles, and resources may be updated, modified, or removed at any time without prior notice, and service disruptions may occur due to factors beyond our control.
All content and features on Search Credits Now are provided on an “as is” and “as available” basis. We offer no express or implied warranties regarding the accuracy, completeness, usefulness, reliability, or timeliness of the information presented. We also cannot guarantee that any bank account, credit card, loan, or financial product referenced will meet your personal needs, remain available at the time you interact with the provider, or result in approval or expected financial outcomes. Terms, fees, eligibility criteria, and required documentation are determined solely by financial institutions and may change without notice. Any decisions you make based on our content—including submitting an application, choosing a financial product, managing your funds, or following any provided suggestion—are solely your responsibility.
We reserve the right to edit, update, or discontinue any part of the platform at any time. This includes modifying existing articles, retiring outdated information, introducing or removing content categories, and performing backend improvements that may affect accessibility. These decisions are made independently by our editorial and administrative teams, without obligation to notify users in advance.
By choosing to use Search Credits Now, you acknowledge that your use of this site is voluntary and that you assume full responsibility for how you interpret and apply the content. To the extent permitted by applicable law, we do not guarantee uninterrupted availability or flawless performance of the website. Our articles may not reflect recent updates to provider policies, product features, regulatory requirements, geographic restrictions, or application processes at the time of your visit.
We are also not responsible for the content, accuracy, or availability of any third-party websites, services, or resources linked or mentioned on our platform. These references exist solely to provide additional public information and do not imply partnership, sponsorship, or endorsement of those providers. We do not control external websites or financial channels and cannot be held liable for interactions or results that follow from accessing them.
Search Credits Now, including its editorial staff, contributors, administrators, and any affiliated service providers, cannot be held responsible for any direct or indirect loss, damage, or inconvenience resulting from your use of the platform. This includes, but is not limited to: denied applications, unexpected fees or terms, outdated product information, poor financial results, lost opportunities, frustration, or any financial impact connected to your use or interpretation of our educational materials. We do not accept liability for how you apply information found on our website in real-life financial situations, including any personal, contractual, or monetary consequences.
These limitations apply regardless of legal theory or claim context and include cases where potential negative outcomes were foreseeable. By continuing to browse and engage with Search Credits Now, you confirm that you understand and accept these terms and agree not to hold the platform or its team responsible for any adverse effects resulting from your use of our content or features.
Article VI – Validity Period and Legal Deadlines
The terms outlined in Search Credits Now’s Terms of Use remain valid and enforceable for as long as a user interacts with the platform in any capacity. These conditions apply at all times, regardless of how often the site is accessed, what device is used, or the specific features engaged. The agreement remains in effect unless officially updated, replaced, or withdrawn through a formal revision published on https://searchcreditsnow.com/.
Should a dispute, complaint, or legal issue arise from the use of this platform—including matters relating to the Privacy Policy—users are required to take formal action within ninety (90) calendar days from the moment the concern first occurs. Any attempt to bring a claim after this period may be considered invalid under applicable legal standards due to the delay.
This timeframe exists to encourage timely reporting, allowing for accurate review and fair resolution while relevant information, records, and communication history remain available. Acting promptly benefits all parties and supports the integrity of any investigative or legal process that may follow.
Article VII – Applicable Laws and Legal Authority
These Terms of Use, together with the Privacy Policy, are governed by the laws of Canada. This includes all applicable federal and provincial regulations relating to online publishing, digital communications, intellectual property, consumer protection, and data handling for informational websites focused on financial education. Search Credits Now operates as a Canadian-compliant informational platform, and all content practices are aligned with standards relevant to Canadian users.
Any dispute, claim, or legal proceeding arising from your use of Search Credits Now will fall under the exclusive jurisdiction of the courts located in Canada. By continuing to access or interact with this platform, you agree that any legal concerns will be addressed within this jurisdiction and resolved according to the applicable Canadian laws governing digital content and consumer guidance services.
By using this website, you confirm your acceptance of these legal terms and consent to resolve any disputes or claims in accordance with the governing laws of Canada.
Article VIII – Content Rights and Ownership Policy
8.1 Ownership and Rights
Every piece of original material published on Search Credits Now, including text, data visualisations, design elements, logos, icons, trademarks, multimedia, and interactive features, is protected by copyright and related laws. These materials belong solely to Search Credits Now or to contributors who have granted us specific usage licences. Copying, translating, adapting, distributing, publicly displaying, or otherwise using any part of this content without prior written consent from Search Credits Now is forbidden.
8.2 Third-Party Material and Limited Liability
The platform may contain links, embeds, comments, or references that originate with external sources or individual users. Search Credits Now does not guarantee the accuracy, legality, intent, or effect of such material and does not endorse or monitor it for completeness or suitability. Anyone who relies on external or user-submitted content does so entirely at their own risk. Search Credits Now accepts no responsibility for damages, misinformation, data loss, or other consequences that arise from interaction with information not produced by our editorial team.
8.3 Enforcement of Rights
Search Credits Now reserves the right to review, edit, restrict, or remove any content that, in our judgment, violates these Terms, applicable law, or accepted ethical standards. Measures may include deleting content, temporarily suspending access, or permanently restricting a user’s account. Repeated or serious breaches can be reported to the relevant authorities.
Article IX – Modifications to Terms and Platform Updates
Search Credits Now may revise the Terms of Use, the Privacy Policy, or any part of the platform whenever operational or legal requirements make revision necessary. Updates take effect once they are published on the site. Users are responsible for reviewing the Terms periodically. Continuing to use the platform after revisions are posted constitutes acceptance of the updated terms. Search Credits Now is not liable for inconvenience, data loss, dissatisfaction, or service disruption resulting from amendments, feature retirement, or temporary or permanent suspension of services. Anyone who disagrees with revised terms must stop using the platform immediately.
Article X – How to Reach Us
If you have questions about these Terms, need help with any aspect of the site, or wish to share feedback, please reach us through the contact form at https://searchcreditsnow.com/contact. We aim to respond as promptly as possible, though actual response times depend on the volume and complexity of incoming messages.
