Welcome to LAD Credit (ladcredit.com). These Terms and Conditions (“Terms”) govern your use of our website. By visiting or using this site, you agree to comply with and be bound by these Terms.
If you do not agree with these Terms, please do not use the website.
Who We Are
LAD Credit is an online educational platform that shares free information and guides on topics such as:
- Credit repair
- Credit cards and loans
- Personal finance
- Budgeting
- Side hustles and extra income ideas
We are not financial advisors, credit repair agents, or legal professionals. All content is for educational purposes only.
Your Use of the Website
By using this site, you agree to:
- Use it only for lawful purposes
- Not attempt to hack, damage, or misuse the site
- Not copy or reproduce content without written permission
- Not post or submit any harmful, offensive, or misleading content
Educational Content Only – No Financial Advice
The content on ladcredit.com is provided for informational and educational purposes only. It is not financial, legal, or tax advice.
Always consult with a qualified financial advisor or licensed professional before making financial decisions.
We are not responsible for any decisions you make based on the content you find here.
Affiliate Disclosure
LAD Credit may earn commissions when you click on affiliate links and sign up or make a purchase through a third-party website. These affiliate partnerships help us provide content for free.
Examples include:
- Credit card offers
- Personal loan providers
- Budgeting apps
- Side hustle platforms
We only promote services we believe can genuinely help our audience.
Advertising
We use third-party advertising networks such as Google AdSense to display ads on this website. These ads may be based on your browsing history or other factors.
By using this site, you agree to the use of cookies and similar technologies to serve relevant ads.
For more information, read our Privacy Policy.
External Links
We may include links to third-party websites. We are not responsible for the content, privacy policies, or practices of those websites.
You access third-party sites at your own risk. Always read their Terms and Policies before using their services.
Changes to the Website and Terms
We reserve the right to update or remove content from this website at any time without notice. We may also update these Terms at any time.
Continued use of this website after any changes means you accept the updated Terms.
Intellectual Property
All content on LAD Credit including articles, graphics, logos, and downloadable tools is protected by copyright and may not be copied, reused, or republished without our written permission.
Disclaimer of Warranties
We provide all content on an “as-is” and “as-available” basis.
We do not guarantee:
- Accuracy or completeness of information
- That the website will be available at all times
- That the site is free from viruses or harmful components
You use this site at your own risk.
Limitation of Liability
LAD Credit is not liable for any direct, indirect, incidental, or consequential damages that may arise from:
- Your use of the site
- Any errors or omissions in our content
- Clicking on third-party links or ads
- Using tools, advice, or recommendations found here
Governing Law
These Terms are governed by the laws of the United States.
Any disputes related to these Terms will be handled in accordance with applicable federal or state laws.
Contact Information
If you have questions about these Terms and Conditions, please contact us at:
📧 Email: [email protected]
🌐 Website: www.ladcredit.com
Effective Date: July 17, 2025