Terms Of Use

Welcome to Banking Guide: US Banking & Money Guide (the “Site”), accessible at https://www.guiabancario.com/ (the “Website”). These Terms of Service (“Terms,” “Terms of Service,” or “Agreement”) govern your access to and use of the Website, including any content, functionality, and services offered on or through the Website (collectively, the “Services”).

Banking Guide is a leading online resource providing educational content on US banking, personal finance, money management, and related health finance topics such as medical bill savings, insurance cost reduction, and affordable healthcare budgeting for American audiences. Our mission is to empower users with practical, research-based guides to navigate everyday financial decisions, from checking accounts and credit scores to discounting doctor visits and pharmacy deals without offering personalized advice.

By accessing the Website or using any Services, you agree to be bound by these Terms. If you do not agree with any part of these Terms, you must not access the Website or use the Services. These Terms form a legally binding contract between you (“User,” “you,” or “your”) and Banking Guide (“we,” “us,” or “our”), a digital media platform operated independently for informational purposes.

We reserve the right to modify these Terms at any time. Changes will be posted on this page with an updated “Last Updated” date. Your continued use of the Services after changes constitutes acceptance of the revised Terms. Check this page periodically for updates.

1. Eligibility and User Responsibilities

To use the Services, you must be at least 18 years old or the age of majority in your jurisdiction, and capable of forming a binding contract. By using the Services, you represent that you meet these requirements and will comply with all applicable laws, including US federal and state regulations on financial disclosures and consumer protection.

Users are responsible for:

  • Providing accurate information when interacting with the Site.
  • Maintaining the confidentiality of any account credentials (if applicable).
  • Complying with these Terms and not engaging in prohibited activities, such as scraping content, transmitting malware, or spamming.

We do not target children under 13, and the Services are not intended for such users. If we discover underage usage, we will terminate access immediately.

2. Nature of Content and No Professional Advice Disclaimer

Banking Guide provides general educational information only. Content on the Website, including articles on US banking products (e.g., checking accounts, CDs, loans), personal finance strategies (e.g., budgeting, debt reduction, credit building), and health-finance intersections (e.g., medical savings accounts like HSAs, pharmacy discounts, insurance claims for healthcare costs), is for informational purposes. It is not financial, investment, legal, tax, medical, or professional advice.

All articles are researched using publicly available data from sources like the Consumer Financial Protection Bureau (CFPB), Federal Reserve, FDIC, and health agencies such as HHS. However:

  • Recommendations are generic and not tailored to your situation.
  • Past performance of financial products does not guarantee future results.
  • Health-finance topics (e.g., “Doctor Savings Tips” or “Low-Cost Lab Tests”) discuss public cost-saving strategies but do not diagnose, treat, or prescribe healthcare options.
  • We urge consulting licensed professionals (e.g., certified financial planners, CPAs, attorneys, or physicians) before acting on any information.

Banking Guide, its authors, and affiliates disclaim all liability for losses arising from reliance on our content. Examples include market fluctuations affecting savings accounts or changes in health insurance premiums.

3. Intellectual Property Rights

All content on the Website—including text, graphics, logos, images, videos, downloadable resources (e.g., budgeting templates, finance checklists), and software—is owned by Banking Guide or its licensors and protected by US copyright, trademark, and other intellectual property laws.

You may:

  • View and print pages for personal, non-commercial use.
  • Share links to public articles via social media, crediting Banking Guide.

You may not:

  • Copy, reproduce, distribute, or modify content without written permission.
  • Use content for commercial purposes, such as resale or affiliate promotions mimicking our brand.
  • Reverse-engineer, decompile, or create derivative works.
  • Remove copyright notices (e.g., “© 2025 Banking Guide”).

Trademarks like “Banking Guide” and category names (e.g., “Money Questions & FAQs”) are proprietary. Unauthorized use may result in legal action under the Digital Millennium Copyright Act (DMCA).

To request permission, email [[email protected]]. We handle DMCA notices promptly via our designated agent.

4. User-Generated Content and Comments

The Website may allow comments, reviews, or submissions on articles (e.g., sharing experiences with US banks or health discount programs). You grant us a perpetual, royalty-free, worldwide license to use, modify, and display such content.

We moderate submissions but do not endorse them. Prohibited content includes:

  • Defamatory, obscene, or illegal material.
  • Spam, scams, or promotions of unregulated financial schemes.
  • Medical claims or unverified health advice.

We may remove content at our discretion and report violations to authorities.

The Services may link to external sites (e.g., CFPB.gov for banking regulations, Healthcare.gov for insurance info) or embed third-party tools (e.g., calculators from trusted finance APIs). We do not control or endorse these, and disclaim liability for their content, privacy practices, or availability.

Health-finance links (e.g., to HSA providers) are educational; verify independently. Affiliate disclosures appear where applicable per FTC guidelines.

6. Advertising and Monetization (Google AdSense Compliance)

Banking Guide monetizes via Google AdSense and similar networks. Ads appear contextually (e.g., finance ads near banking guides, insurance ads near medical savings posts). We comply fully with AdSense policies:

  • No “made for ads” content; all articles exceed 1,500 words with original research.
  • Clear separation of ads from editorial content.
  • High-quality, E-E-A-T compliant posts for YMYL topics (finance/health).

Users must not click ads fraudulently. Violations lead to IP bans and reports to Google.

7. Privacy and Data Protection

Your privacy is paramount. Review our full Privacy Policy at https://www.guiabancario.com/privacy-policy/ for details on cookies (e.g., Google Analytics for US traffic insights), data collection (e.g., IP for GEO targeting), and AdSense tracking. We adhere to CCPA for California users and do not sell personal data.

For health-finance content, we avoid collecting sensitive health info.

8. Limitation of Liability

To the fullest extent permitted by law, Banking Guide is provided “AS IS” without warranties. We disclaim implied warranties of merchantability or fitness for a particular purpose.

Liability is limited to $100 for direct damages. Indirect, consequential, or punitive damages (e.g., lost profits from following a budgeting tip) are excluded. This applies to errors in finance calculators or outdated health cost data.

9. Indemnification

You agree to indemnify and hold harmless Banking Guide from claims arising from your use of the Services, violations of these Terms, or infringement of third-party rights.

10. Termination

We may suspend or terminate access for violations without notice. Upon termination, your right to use the Services ends immediately.

11. Governing Law and Dispute Resolution

These Terms are governed by Texas law (US jurisdiction for our servers). Disputes shall be resolved exclusively in Texas state or federal courts.

For informal resolution, contact [[email protected]] first.

12. Miscellaneous

  • Severability: Invalid provisions do not affect others.
  • No Waiver: Failure to enforce a right does not waive it.
  • Entire Agreement: These Terms supersede prior agreements.
  • Force Majeure: Not liable for delays due to events beyond control.
  • Contact: Questions? Email [[email protected]] or use our Contact page.