Last updated: October 6, 2026
Welcome to Card Path Guide. By accessing or using cardpathguide.com (the “Site”), you agree to these Terms of Use. If you do not agree, please do not use the Site.
1. Site owner (legal notice)
The Site is operated by Marc Cirio Fuentes, with address at Mataró, Spain. Contact: contact@cardpathguide.com.
2. Educational purpose only
The Site publishes general information about credit scores, credit cards, credit building and related topics. It is provided for educational purposes only. It is not financial, legal, tax or credit advice, and it does not create any advisory or professional relationship between you and us. See our Disclaimer for details.
3. Our role
We are an independent publisher. We are not a lender, credit card issuer, credit bureau, broker, credit counselor, credit repair organization or financial institution, and we do not make credit decisions. Applications for any product are made directly with the provider, under its own terms.
4. Use of the Site
You may use the Site for lawful, personal and non-commercial purposes. You agree not to: copy, scrape or republish our content in bulk without permission; attempt to gain unauthorized access to the Site or its systems; introduce malware or interfere with the Site’s operation; use the Site in a way that violates any law or the rights of others.
5. Intellectual property
The content on the Site, including text, tables, graphics, logos and design, is owned by us or used with permission and is protected by copyright and other laws. You may quote short excerpts with a visible link back to the original page. Any other use requires our written permission. Trademarks and logos of third parties belong to their respective owners.
6. Third-party websites and offers
The Site may link to third-party websites, products and services. We do not control them and are not responsible for their content, accuracy, terms or practices. Product terms, rates and fees can change at any time, so always confirm them with the provider before you apply. Some links may be affiliate links, as explained in our Advertising and Affiliate Disclosure.
7. Accuracy of information
We work to keep the information accurate and current, but we do not guarantee that it is complete, error-free or up to date. Laws, scoring models and product terms change.
8. Disclaimer of warranties
The Site and its content are provided “as is” and “as available”, without warranties of any kind, express or implied, to the fullest extent permitted by law.
9. Limitation of liability
To the fullest extent permitted by law, we are not liable for any direct, indirect, incidental or consequential damages arising from your use of, or inability to use, the Site, or from any decision you make based on its content. Nothing in these Terms excludes liability that cannot be excluded under applicable law, including mandatory consumer protection rules.
10. User feedback
If you send us comments or suggestions, you allow us to use them to improve the Site without any obligation to you.
11. Changes
We may update these Terms at any time. The “Last updated” date shows the latest version, and continued use of the Site after a change means you accept it.
12. Governing law
These Terms are governed by the laws of Spain. This does not affect any mandatory consumer rights you may have under the laws of the country where you live.
13. Contact
For any question about these Terms, email contact@cardpathguide.com.