Consumer Finance Review Board (CFRB) — Disclosures and Terms & Conditions

Last Updated: October 2025

Disclosure Statement

The Consumer Finance Review Board (“CFRB,” “we,” “our,” or “us”) provides independent consumer education, news, and reviews regarding financial and legal services, products, and professionals. The information presented on this website is for general informational purposes only and should not be considered as financial, legal, or investment advice.

CFRB is not a financial institution, legal practice, or advisory firm. We do not offer individualized advice or recommendations. Financial and legal guidance can only be provided by licensed or certified professionals who have reviewed your unique circumstances. Our content is based on independent research, verified consumer reviews, industry data, and reputable news sources. While we strive for accuracy and fairness, information may not always reflect the most current developments or apply to every reader’s personal situation.

CFRB may refer visitors to financial, legal, or related professionals and services. In some cases, we may receive compensation from these professionals or organizations when a user engages with them through our referral process. Such compensation does not influence our editorial standards, which remain independent and focused on the consumer’s best interest. We do not guarantee any outcome, result, or performance from third-party services, products, or advice.

All visitors are encouraged to perform their own due diligence and consult qualified professionals before making financial or legal decisions. By using this site, you acknowledge that CFRB is not responsible for the actions, representations, or outcomes of any third-party service providers.

Terms & Conditions of Use

These Terms and Conditions (“Terms”) govern your use of the Consumer Finance Review Board website (https://consumerfinancereviewboard.org). By accessing or using this website, you agree to comply with and be bound by these Terms. If you do not agree, you must discontinue use immediately.

1. Intellectual Property Rights

All content, materials, and design elements displayed on this website, including text, graphics, logos, icons, images, videos, and software, are the intellectual property of CFRB or its licensors and are protected by copyright, trademark, and other applicable laws. You may not reproduce, distribute, modify, transmit, or otherwise exploit any content from this site without prior written permission from CFRB.

2. Permitted Use

You may view, print, and download materials from this website for your personal, non-commercial use only, provided that you do not alter or remove any proprietary notices or disclaimers. Any unauthorized use of content may violate intellectual property laws and result in civil or criminal penalties.

3. No Professional Advice

The content provided by CFRB is intended for informational and educational purposes only. Nothing on this website constitutes, or should be interpreted as, professional financial, legal, or investment advice. CFRB expressly disclaims any responsibility for decisions made based on information obtained through this website. You should seek independent advice from qualified professionals before making any financial or legal decisions.

4. Referrals and Compensation Disclosure

CFRB may maintain marketing relationships with certain financial or legal service providers. When you engage with or are referred to a third-party professional through our platform, CFRB may receive compensation. Such relationships are disclosed as required by law. However, compensation does not influence our editorial independence, reviews, or rankings.

5. Limitation of Liability

To the fullest extent permitted by applicable law, CFRB, its officers, employees, affiliates, and partners shall not be liable for any indirect, incidental, consequential, or punitive damages arising from or related to your use of this website, the information contained herein, or any third-party links or services referenced. Your sole remedy for dissatisfaction with this website is to discontinue use.

6. Indemnification

You agree to indemnify, defend, and hold harmless CFRB, its affiliates, officers, employees, and contractors from any claims, liabilities, damages, losses, or expenses, including reasonable attorneys’ fees, arising out of your use of the website, violation of these Terms, or infringement of any third-party rights.

7. External Links and Third‑Party Content

This website may contain links to external websites or resources operated by third parties. CFRB does not control or endorse such external content and is not responsible for their accuracy, availability, or practices. Your use of linked websites is subject to the respective terms and privacy policies of those third parties.

8. Disclaimer of Warranties

This website and all materials provided herein are offered on an “as is” and “as available” basis, without warranties of any kind, express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, title, and non‑infringement. CFRB does not warrant that the website will be uninterrupted, error‑free, secure, or free of viruses or harmful components.

9. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of the United States and the State of California, without regard to its conflict of law provisions. Any legal action or proceeding arising under these Terms shall be brought exclusively in the state or federal courts located in California, and you hereby consent to the jurisdiction of such courts.

10. Changes to These Terms

CFRB reserves the right to update, modify, or replace these Terms at any time without prior notice. Updates will be posted on this page with a revised “Last Updated” date. Continued use of the website after such changes constitutes acceptance of the updated Terms.

11. Contact Information

If you have any questions about these Disclosures or Terms & Conditions, please contact us at contact@consumerfinancereviewboard.org.