Marketing Practices Disclosure

1. Core Marketing Framework

Kradevic: Loan & Credit Guide is an informational marketplace platform that may receive compensation from participating providers for qualified introductions, placements, or other lawful performance metrics. Compensation structures may include fixed placement fees, lead-based fees, or other permitted arrangements. Such arrangements may affect listing prominence, ranking position, and display frequency, but do not remove our obligations to provide accurate and legally compliant disclosures.

2. Ranking and Placement Factors

Offer ranking and presentation may reflect multiple factors, including user-input preferences, provider availability by jurisdiction, technical integration status, compliance considerations, product category relevance, historical performance data, and compensation arrangements where lawful.

Because these factors are dynamic, visible ordering and availability can change over time. Rankings should not be interpreted as guarantees of suitability, approval, or pricing.

3. Editorial and Commercial Separation

Where educational content is provided, we maintain internal separation between editorial analysis and commercial placement operations. Commercial relationships may influence where sponsored or promoted content appears, but promotional content should be clearly distinguishable through context, labeling, or surrounding disclosure language where required by law.

4. Communication Consent and Campaign Delivery

When users provide consent, communications may be sent by email, SMS, phone, or similar channels in accordance with applicable law and user preferences. Communication frequency may vary by request type, provider participation, and campaign timing.

Users can opt out through available mechanisms, including unsubscribe links, legal request pages, or direct contact channels. Transactional or legally required messages may still be delivered where permitted by law.

5. Prohibited Marketing Conduct

• False or unsupported approval guarantees
• Misleading urgency language intended to bypass informed review
• Hidden material terms, including undisclosed mandatory fees
• Manipulative claims that conflict with provider contract terms
• Unauthorized use of consumer data for prohibited targeting

6. Advertising Measurement and Data Use

We may use analytics and attribution tools to evaluate campaign performance, improve user experience, and monitor compliance outcomes. Measurement may include click events, conversion indicators, session-level engagement metrics, and communication response signals. Data use is governed by privacy disclosures and applicable law.

7. Consumer Expectations and Responsibilities

Consumers should review complete provider disclosures and compare terms across multiple options before making decisions. Marketing visibility does not constitute endorsement, legal advice, or guarantee of final terms. Users remain responsible for reviewing provider contracts in full before acceptance.

8. Sponsored Content Labeling and Native Format Disclosures

Where sponsored placements or promoted listings are presented, we seek to apply contextually appropriate disclosures so users can distinguish commercial placement from neutral informational presentation. Labeling methods may include badges, section headers, disclosure text, or ranking notes depending on interface constraints and legal requirements.

9. Marketing Compliance Monitoring

We maintain internal review practices intended to reduce misleading claims, unsupported performance statements, omission of material terms, and prohibited inducement language. Content flagged for potential compliance risk may be edited, demoted, paused, or removed pending further review. Providers may be required to correct content before reinstatement.

10. Channel-Specific Communication Controls

Email, SMS, and voice campaign workflows may include consent checks, suppression lists, cadence limits, and deliverability controls. These controls are designed to align communication frequency with user expectations, reduce unwanted outreach, and support compliance with applicable communication and privacy statutes.

11. Changes to Marketing Practices

We may update marketing methodologies, display logic, campaign controls, and disclosure formats in response to legal developments, platform changes, provider participation changes, and user feedback. Material changes may be reflected through updates to this page or related legal notices.

12. Data Partner and Measurement Vendor Oversight

Where marketing measurement vendors are used, we apply contractual restrictions intended to limit processing to authorized purposes, protect data confidentiality, and support legal compliance obligations. Vendors may be assessed for security posture, legal commitments, and operational controls appropriate to their role.

Where required by law, we implement opt-out logic and suppression controls to reduce use of personal information for restricted targeting activities.

13. Communication Law Compliance Framework

Campaign operations are intended to align with applicable communication and privacy requirements, including consent management, recordkeeping expectations, suppression processing, and timing controls. Compliance obligations may vary by jurisdiction, channel type, and message category (transactional vs marketing).

Users remain responsible for reviewing provider communications independently, as participating providers maintain their own communication terms and compliance programs.

14. Marketplace Neutrality and Risk Notice

Placement visibility should not be interpreted as a recommendation tailored to your financial circumstances. The platform is designed to facilitate comparison and awareness, not to provide individualized financial advice. Before accepting any product, consumers should evaluate affordability, repayment risk, and provider-specific legal terms using complete written disclosures.