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Credible is excited to provide you a transparent marketplace that allows you an opportunity to compare financial products so that you can make the right decisions to meet your specific needs. As part of that transparency, we encourage all users to provide their constructive feedback about their experiences with Credible and Credible’s partners. Your experiences, the good, as well as the bad, will provide other users with insightful information so that they can make better financial decisions. But keep in mind that any time you use our site (Credible.com, our mobile application, or any interaction with us, including on the phone), you agree to our Terms of Service, our Privacy Policy, these Content Guidelines and any other posted policies or guidelines. Please make sure to always be respectful of others, comply with the law and our terms of service and policies.

Before posting or providing any content, please review these guidelines carefully:

You grant us a license to the content you post. You own and are solely responsible for any content including images, text, audio or other materials that you submit (“User Content”). By submitting User Content, you grant us a non-exclusive, worldwide, perpetual (or for the duration of any copyright or other rights in such content), irrevocable, royalty-free, transferable, sublicensable (through multiple tiers) right to use, reproduce, distribute, create derivative works from, publicly perform, display, store, or publish in any way, in any media known now or in the future. You grant Credible the right to use your name or image in association with your User Content if we so choose. Further, to the fullest extent permitted under applicable law, you waive your moral rights in the content and promise not to assert such rights against us, our sublicensees or assignees.

Your representations and warranties about the User Content (i.e., you are letting us know that (i) you have the right to provide the User Content; and (ii) you are not violating anyone else’s rights by providing the User Content): You represent and warrant that the User Content you provide (a) is owned by you or you control all necessary rights to it; (b) does not violate, misappropriate or infringe on the rights of any third party including intellectual property rights, privacy rights or publicity rights; (c) is accurate, not obscene, false, libelous or defamatory; and (d) will not cause injury to any person, entity or system.

You agree that you will not do any of the following:

  • You agree that you will not post any private information about yourself or others (e.g., telephone numbers, addresses, email addresses, account numbers, etc.)
  • You agree not to post any harassing or otherwise threatening content about any other individual or company
  • You agree not to post any false, deceptive or misleading information
  • You agree not to post any content that encourages “gaming” or “churning” of another party’s products or services
  • You agree that you will not post SPAM (i.e., advertising, commercial materials or content, solicitations or promotional materials)
  • And, once again, you agree that you will not post anything disrespectful, illegal or in violation of our terms of service and policies.

Your obligations if you violate (or someone accuses you of violating) their rights with respect to the content you provide: You will indemnify and hold Credible harmless for any and all claims resulting from your User Content.

Monitoring, editing or removing your User Content: Credible has the right but not the obligation to monitor, edit or remove the User Content you provided. Any User Content you provide is non-confidential and Credible will not be liable for its use or disclosure.

No compensation for your ideas, content, suggestions, submissions etc.: If you submit ideas, suggestions, documents, and/or proposals (“Ideas”) to Credible, you do so voluntarily and with no expectation of confidentiality. By submitting Ideas, you grant us ownership of the Ideas to use for any purpose, in any way, in any media now known or in the future and throughout the universe without any obligation or payment. You understand that Credible may have something similar to the Ideas under consideration or in development.

Credible’s marks, logos, designs, and phrases: Credible’s marks, logos, designs, and phrases are trademarks, service marks, or trade dress of Credible in the U.S. They may not be used without the express written prior permission of Credible.

We have these Content Guidelines to ensure that we provide a respectful and open marketplace where people can freely share their experiences without negatively impacting others. We hope that you will provide honest, descriptive feedback about your personal experiences (not experiences that you’ve heard from others) so that other people can benefit from your insights. Credible fully intends to provide feedback to our partners regarding your verifiable experiences in the hopes that your feedback will improve the products and services offered.

One more thing…The comments or responses that Credible posts under its official account are not provided, reviewed or endorsed by any of the financial institutions unless specifically stated otherwise in the response. Please keep in mind that the financial institution has no obligation to monitor any of the comments, questions or reviews posted (yours or ours), and is therefore not responsible to ensure that your posts and/or questions are answered.