These Terms of Use of the site (hereinafter — the Rules) govern the relationship between the site “Credit-List.com” and its visitors.

1. Posting comments (reviews)

1.1. Visitors to the site have the right to leave comments (reviews).

1.2. Posted comments cannot be edited by the author.

1.4. In the comments posted flooding is prohibited. Flood is any message that is meaningless, knowingly false or provocative. In any case, flood is considered:
a) posting comments containing a statement that is knowingly false or provokes other users.
b) trolling.

Whether this particular message is a flood or not is determined by the moderator.

1.5. In the comments posted, rudeness and insults are prohibited.

1.5.1. Moderators consider facts of insults on their own and based on personal complaints of users. Only the person to whom they directly inflicted the right to appeal to the moderators with a complaint about an insult. Complaints from third parties may not be considered or accepted. When considering a complaint, the moderator is not required to conduct a trial who is the initiator of the conflict.

1.5.2. In this case, it is prohibited:
a) the use of obscene vocabulary (swearing),
b) comments containing insults to an individual,
c) insults on a national, geographical or confessional basis,
d) excessive use of capital letters in messages,
e) insulting distortion of the names of countries, names and surnames of their leaders and public figures.

1.6. In relation to moderators, site administrators are prohibited:

a) insults, rudeness,
b) threats of physical violence,
c) pressure on him by any other means.

1.7. A public discussion of any actions / inaction of the moderators entails a ban for a week. Repeated violation — a permanent restriction on the ability to write to the site.

1.8. Post substantive messages that reflect your personal experience with a bank or company. Specify the described situation, give facts instead of emotions, so that your review is really useful to other users.

Your review can be regarded as a violation of the Rules of the site Credit-List.com and deleted if:

  • The response does not reflect your personal experience of working with a bank or company, it contains retelling of other people’s stories, speculation.
  • The review does not contain facts and descriptions of the specific situation, does not carry a semantic load for Credit-List.com users — such messages can be regarded as an offtopic section.
  • Instead of a review, a question was written to the bank / company, the public. Post your questions in the “Questions to the Bank / Company” section.
  • Instead of a review, the news text was posted with or without a hyperlink (except for banks with the status of “temporary administration” and “on liquidation”).
  • The opinion of the author is imposed on the review.
  • The review posted an advertisement.
  • Feedback comes down to political discussion.
  • The recall contains a threat / appeal to public meetings / rallies / protests.
  • The review contains rude, obscene expressions and insults in any form.
  • The review is duplicated in full or in terms of meaning repeats the previous review of the same user.
  • The recall is a continuation of the previous recall. We recommend using the “comment” option under the first review that your message refers to, otherwise continuation messages that are not independent reviews may be deleted.
  • If the review contains third-party personal information that is not subject to disclosure.

2. Rights and obligations of the administration and moderators of the site

2.1. The site administration has the right:

2.1.1. at any time to change the design of the site, its content, list of services, change or supplement the used scripts, software and other objects used or stored on the site;

2.1.2. if necessary, send users e-mail messages regarding the use of the site;

2.1.3. suspend, restrict or terminate the user’s access to all or any of the sections or services of the site with or without prior notice.

3. Rights and obligations of the user

3.1. The user has the right to:

3.1.1 post content that is not contrary to these Rules;

3.1.2. contact the site administration in order to resolve disputes.

3.2. User agrees:

3.2.1. regularly familiarize themselves with the content of these Rules, in order to timely familiarize themselves with their changes;

3.2.2. the user, using one or another section of the site, agrees to abide by the rules for using this section of the site, if any, exist and are described in this section;

3.2.3. using information from the site, the user is aware of and accepts the risks associated with its possible inaccuracy, as well as the fact that some information may seem threatening, insulting, libelous, knowingly false, rude, obscene. If this happens, the user should immediately inform the site administration of the availability of such information.

3.2.4. View the privacy policy of the Credit-List.com website. In this case, by registering on the site, the user confirms his agreement with the privacy policy and these rules.

4. Disclaimer

4.1. Articles, comments, texts, as well as any other information posted on this site, are not a recommendation on investing money and cannot be considered as an incentive to carry out active actions.

4.2. The site administration makes every possible effort to exclude from the site sloppy, inaccurate, insulting, untrue or knowingly incomplete information, however, ultimately, the responsibility for it lies with the persons who posted it.

4.3. The site administration is not responsible for the fact that registered users are really the people they claim to be, and is not responsible for any damage caused to other persons.

4.4. Under no circumstances will the Website Administration be liable to the user or any third parties for any direct, indirect, unintentional damage, including lost profits or lost data, harm to honor, dignity or business reputation caused in connection with the use of the website or the results of intellectual activity, posted on the site.

4.5. The site administration is not responsible to the user or any third parties for:

— user actions on the site;

— for the content and legality, the accuracy of the information used / received by the user on the site;

— for the reliability of the advertising information used / received by the user on the site, and the quality of the goods / work / services advertised in it;

— for the consequences of using the information used / received by the user on the site.

4.6. The site administration is not responsible for the materials posted, comments, information.

4.7. If the user uses third-party applications and extensions, including such as AdBlock, which have an impact on changing site pages, their content, the site administration cannot guarantee the correct display and operation of all options, site functions and paid portal services.

5. The following is prohibited on the site:

5.1. Place any advertising, with the exception of cases authorized by the administration of the site, as well as within the framework of services for placing commercial ads and advertisements provided by the site on conditions that are negotiated separately;

5.2. Post commercial offers, campaign materials, distribute spam or any other intrusive information;

5.3. Post any information that violates the rights of users or third parties to intellectual property;

5.4. Harassing, harassing, insulting, intrusively harassing or otherwise maliciously harassing any natural or legal person, user of the site;

5.5. Advise users of the site, both registered and unregistered, to use the site for personal purposes aimed at obtaining commercial benefits;

5.6. Upload, publish and otherwise transfer the following content: illegal; offensive to other users and third parties; vulgar, obscene, pornographic in nature; containing scenes of violence, cruelty; official or non-public; violating the rights of third parties; containing threats, libelous, defamatory information; fraudulent; propagandizing racial, religious, ethnic hatred or enmity, any other information that violates human and civil rights protected by law.

5.7 Use parser programs, bots, with the exception of cases agreed with the site administration.

6. Final Provisions

6.1. Copying materials posted on this site is possible with an active link to this material throughout the entire period of placement of the copied material.

6.2. All offers, intentions, statements and any other statements cannot be considered as a public offer.

6.3. These Rules are subject to change without prior notice to users of the site.