Terms of Use

Last updated: July 2026. By using 43dots.com you agree to these terms. If you do not agree, please do not use the site.

What 43dots is

43dots publishes plain-English US money guides covering federal taxes, credit scores, credit cards, loans, banking, and retirement accounts. The content is for general information and education only. It is not financial, legal, tax, or investment advice, and it is not a recommendation to take any specific product.

No professional advice

We are not a bank, lender, credit bureau, or a registered financial adviser. Read our content as a starting point, not as personalised advice. Before you apply for a loan or card, or act on your credit report, confirm the current terms directly with the lender, issuer, or bureau, and consider speaking to a qualified professional about your own situation.

Accuracy and changes

We research our guides and cite sources where we can, but interest rates, fees, eligibility rules, and product features change often and can vary by applicant. We do not warrant that everything on the site is complete, current, or error-free. We may update, add, or remove content at any time without notice.

Third-party and affiliate links

Some pages link to third-party websites, including lenders and card issuers. We do not control those sites and are not responsible for their content, products, or policies. Some links may be affiliate links, which means we may earn a commission if you apply or sign up, at no extra cost to you. This never changes what we write. See our affiliate disclosure for details.

Intellectual property

The text, design, and graphics on 43dots are ours or used with permission. You may read and share links to our pages, but you may not copy, republish, or resell substantial parts of the content without our written permission. Brand names and logos mentioned belong to their respective owners.

Limitation of liability

You use the site and act on its information at your own risk. To the extent permitted by law, 43dots is not liable for any loss or damage arising from your use of the site or reliance on its content, including any financial decision you make.

Governing law

These terms are governed by the laws of India. Any dispute relating to the site is subject to the courts of India.

Contact

Questions about these terms? Reach us through our contact page. Also see our Privacy Policy and Disclaimer.