Terms of Service

Expat Money (expatmoney.nl) is a financial product comparison website designed for expats living in the Netherlands. We provide information, comparisons, and tools to help you explore credit cards, savings accounts, and other financial products available in the Dutch market.

Our service includes product listings, comparison tools, a recommendation quiz, and educational content about financial products in the Netherlands.

You should always conduct your own research and, where appropriate, seek professional financial advice before making any financial decisions. The products displayed on our site are subject to their own terms and conditions set by the respective providers.

Interest rates, fees, features, and availability of products may change at any time without notice. While we strive to keep our information accurate and up to date, we cannot guarantee that all information is current at the moment you view it.

Expat Money earns revenue through affiliate partnerships with financial product providers. When you click on certain links on our website and subsequently apply for or purchase a product, we may receive a commission from the provider at no additional cost to you.

Our commitment: Affiliate commissions do not determine our product rankings or recommendations. Our evaluation methodology is based on objective criteria including fees, interest rates, features, and suitability for expats. We include products in our comparisons regardless of whether we have an affiliate relationship with the provider.

For full details on how we evaluate and rank products, please see our methodology page.

We make every effort to ensure the accuracy and completeness of the information on our website, including interest rates, fees, and product features. Our data is refreshed regularly from provider sources.

However, we do not warrant that all information is error-free, complete, or current. Product details, rates, and terms are subject to change by the providers at any time. Always verify current terms directly with the financial product provider before making any decisions.

All content on this website -- including text, design, graphics, logos, icons, code, and the selection and arrangement thereof -- is the property of Expat Money or its content suppliers and is protected by Dutch and international copyright and intellectual property laws.

You may not reproduce, distribute, modify, create derivative works of, publicly display, or exploit any content from this website without our prior written permission, except for personal, non-commercial use such as saving or printing pages for your own reference.

Product logos, brand names, and trademarks displayed on this site belong to their respective owners and are used for identification purposes only.

By using this website, you agree to:

• --Use the website only for lawful purposes and in accordance with these terms.
• --Not attempt to interfere with, compromise, or disrupt the website's security or functionality.
• --Not scrape, crawl, or otherwise extract data from this website in an automated manner without our express written consent.
• --Not misrepresent your identity or affiliation when interacting with us.
• --Verify product details, rates, and terms directly with providers before making financial decisions.

Our website contains links to third-party websites, including financial product providers. These links are provided for your convenience and informational purposes. We do not control, endorse, or assume responsibility for the content, privacy policies, or practices of any third-party websites.

When you leave our website via an external link, you are subject to the terms and privacy policies of that third-party site. We encourage you to review those policies before providing any personal information.

To the fullest extent permitted by Dutch law, Expat Money shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of, or inability to use, this website or any information provided on it.

This includes, without limitation, damages arising from:

• --Financial decisions made based on information found on this website.
• --Inaccurate, incomplete, or outdated product information.
• --Service interruptions, errors, or technical issues.
• --Actions or omissions of third-party product providers.

The website and its content are provided "as is" and "as available" without warranties of any kind, either express or implied.

You agree to indemnify and hold harmless Expat Money, its operators, and affiliates from any claims, damages, losses, or expenses (including reasonable legal fees) arising from your use of the website or your violation of these terms.

These terms are governed by and construed in accordance with the laws of the Netherlands. Any disputes arising from or relating to these terms or your use of the website shall be subject to the exclusive jurisdiction of the courts of the Netherlands.

We reserve the right to modify these terms at any time. Changes will be effective immediately upon posting to this page with an updated "Last updated" date. Your continued use of the website after any changes constitutes acceptance of the new terms.

If you have questions about these terms of service, please contact us at hello@expatmoney.nl.