Terms of use
The rules for using this site. By reading it, you're agreeing to them.
Last updated
These terms govern your use of Loan Ledger (loans.menusdutchbros.com). If you don't agree with them, please don't use the site.
What we provide
A publication of general financial education, free to read. We are not a lender, broker or advisor, and nothing here is personalised financial advice — see the full disclaimer, which forms part of these terms.
We may change, suspend or discontinue any part of the site at any time, and we may update or remove articles as rules and rates change.
Acceptable use
You agree not to:
- Scrape, harvest or bulk-download the site, or use automated systems to access it in a way that degrades it for others.
- Republish our articles, in whole or in substantial part, without written permission.
- Attempt to gain unauthorised access to the site or its infrastructure.
- Use the site for any unlawful purpose, or to interfere with anyone else's use of it.
- Interfere with, block or misrepresent the advertising served on the site.
Intellectual property
The articles, design, and code of this site are owned by Loan Ledger and protected by copyright. You may read, print and share links freely, and you may quote short passages with attribution and a link back. You may not republish whole articles or use our content to train commercial models without permission.
Third-party trademarks referenced in our guides belong to their respective owners.
Accuracy and reliance
We take accuracy seriously — every guide is reviewed by a CFP® professional and dated — but the site is provided "as is". We make no warranty that it is complete, current or error-free. Rates and lending rules change, and figures in our examples are illustrative.
You are responsible for your own financial decisions. Verify anything material with the lender or a licensed professional before you act on it.
Limitation of liability
To the fullest extent permitted by law, Loan Ledger, its owners and contributors are not liable for any indirect, incidental or consequential loss — including lost money, lost opportunity or financial detriment — arising from your use of, or reliance on, this site.
Third-party links and ads
The site carries advertising (see the advertising disclosure) and links to third-party sites. We do not control those advertisers or destinations and are not responsible for their content or practices. Any dealing you have with an advertiser is between you and them.
Privacy
Our privacy policy explains what data is collected on this site, including by our advertising partners, and how to opt out. It forms part of these terms.
Changes to these terms
We may update these terms. The "last updated" date at the top of the page will change when we do, and continuing to use the site after that means you accept the revised terms.
Contact
Questions about these terms: editors@loans.menusdutchbros.com.