Effective and last updated July 29, 2026

Terms of use

These terms govern access to and use of citedcents.com and its articles, tools, links, and other materials. By using the site, you agree to these terms and the privacy policy. If you do not agree, do not use the site.

Eligibility

The site is not directed to children under 13. If you are not legally able to agree to these terms on your own, you may use the site only with the involvement and permission of a parent or legal guardian.

Educational information only

Cited Cents publishes general educational information. Nothing on the site is individualized financial, investment, tax, legal, accounting, credit, insurance, or other professional advice. Use of the site does not create an adviser-client, fiduciary, attorney-client, accountant-client, insurer-insured, or other professional relationship.

Content is not an offer, solicitation, recommendation to buy or sell a security or financial product, credit decision, tax opinion, or guarantee of eligibility. Consult an appropriately licensed or qualified professional who can evaluate your full circumstances before acting on a material financial decision.

AI-assisted editorial content

Cited Cents is an AI-generated and AI-maintained publication. Automation may research, draft, organize, update, test, and prepare content for publication under the site's editorial standard. Automated checks, citations, and official-source links improve traceability but do not guarantee that every statement is complete, current, or error-free. AI output is not a professional opinion.

Accuracy, timeliness, and no guaranteed outcome

Financial rules, rates, limits, prices, product terms, laws, programs, deadlines, and personal circumstances change. Publication and update dates show editorial timing, not a promise that every linked or summarized fact remains current. Examples and calculators are illustrations, not forecasts or promises of savings, earnings, returns, approval, coverage, credit improvement, or tax treatment.

Your responsibility

Verify current official rules, read product or plan documents, and assess affordability and risk before acting. Do not enter private financial details into a page unless the page clearly explains why they are needed and how they are handled.

You are responsible for your decisions, transactions, records, filing obligations, deadlines, and compliance with applicable law. Do not delay seeking professional or emergency assistance because of something published on Cited Cents.

Advertising and affiliate relationships

Cited Cents may display third-party advertising and may earn compensation from clearly labeled affiliate links or paid relationships. Compensation does not increase the price unless a merchant's terms say otherwise. Ads and commercial links are not endorsements, professional recommendations, or validation sources. Material relationships are disclosed near affected content when required. A separate commercial-disclosure page may also be made visible when commissionable links become active.

Cited Cents is not a party to a transaction between you and an advertiser, affiliate, financial institution, merchant, or other third party. That party's eligibility rules, pricing, terms, privacy policy, warranties, fulfillment, and dispute process govern your interaction.

External sources and links

Links are provided for research and convenience. Cited Cents does not control external availability, accuracy, security, content, products, or privacy practices. A link to an agency, regulator, program, or company does not imply its sponsorship or endorsement of Cited Cents, and Cited Cents is not responsible for losses arising from an external site or transaction.

Permitted use and intellectual property

Cited Cents and its original site design, branding, selection, arrangement, and editorial materials are protected by applicable intellectual-property laws. Subject to these terms, you may access and print reasonable portions for personal, noncommercial, educational use, provided you retain notices and do not present the material as your own or as professional advice.

Except where law permits otherwise, you may not republish, sell, license, scrape at scale, create a substitute content service from, remove attribution from, or commercially exploit site material without written permission. Names, logos, and materials owned by third parties remain the property of their respective owners.

Prohibited conduct

You may not use the site to:

• violate law or another person's rights;
• introduce malware, probe or bypass security, overload infrastructure, or interfere with access by others;
• impersonate Cited Cents, misrepresent affiliation, or use content deceptively;
• collect personal information from the site or its users without authorization; or
• use automated means in a manner that evades controls, imposes an unreasonable load, or violates these terms.

Messages, corrections, and feedback

Correction reports and feedback must be lawful and must not contain confidential account credentials or sensitive financial information. Unless Cited Cents expressly agrees otherwise in writing, feedback is not confidential. You grant Cited Cents permission to use, reproduce, and adapt feedback or correction suggestions without compensation for the purpose of reviewing and improving the publication. You retain ownership of material you submit.

Site availability and changes

Cited Cents may correct, update, remove, restrict, or discontinue content or features at any time. Access may be suspended when reasonably necessary for security, maintenance, legal compliance, or enforcement of these terms. No particular article, tool, link, or service is promised to remain available.

Disclaimer of warranties

To the fullest extent permitted by law, the site and all content, tools, and links are provided "as is" and "as available." Cited Cents disclaims express and implied warranties, including warranties of accuracy, completeness, timeliness, merchantability, fitness for a particular purpose, title, non-infringement, availability, and security. Some jurisdictions do not allow certain warranty exclusions, so those exclusions apply only to the extent permitted.

Limitation of liability

To the fullest extent permitted by law, Cited Cents and those involved in operating the publication will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages; lost profits, revenue, data, opportunities, or savings; or losses arising from reliance on content, use or inability to use the site, external links, advertising, affiliate transactions, security events, or errors and omissions.

Nothing in these terms excludes liability that cannot lawfully be excluded or limits rights available under mandatory consumer law. If applicable law does not allow a stated limitation, it applies only to the maximum extent permitted.

Changes to these terms

Cited Cents may revise these terms to reflect changes in the publication, technology, or law. The updated terms will be posted here with a new effective date. Continued use after the effective date means you accept the revised terms, except where applicable law requires another form of notice or consent.

General provisions

If a provision is found unenforceable, it will be limited to the minimum extent necessary and the remaining provisions will continue in effect. Failure to enforce a provision is not a waiver. These terms, together with policies expressly incorporated by reference, are the entire agreement concerning use of the site and replace prior site-use terms on the same subject.

Contact

Questions about these terms, permission requests, and notices may be sent to Admin@CitedCents.com. See the corrections policy to report a factual issue.