Educational Disclaimer

1) Educational and planning only

This website provides educational information and planning tools related to mortgage eligibility and credit monitoring. We do not provide “credit repair” services and we do not guarantee credit-score improvement, mortgage approval, or any specific outcome.

2) Not a lender and not a credit bureau

creditmortgag.sbs is not a bank, lender, mortgage broker, credit bureau, or consumer reporting agency. Any references to credit behavior, eligibility factors, or monitoring summaries are for general educational purposes only.

3) No misleading claims

We aim to present information accurately. We will not make misleading representations about offers or advantages. (Act on Specified Commercial Transactions, Article 12)

4) Mail-order promotion disclosure (if applicable)

If any communication on this site functions as a mail-order promotion for specified items, required core information such as the provider’s identity and core terms is intended to be indicated in the relevant materials. (Act on Specified Commercial Transactions, Article 11)

5) Credit data use, monitoring summaries, and limitations

• Credit monitoring summaries and educational insights may be based on information obtained for monitoring purposes and may not reflect all circumstances that lenders consider.
• Monitoring information can be delayed, incomplete, or subject to errors; we cannot guarantee completeness or timeliness.
• Any recommendations are not binding advice and are not a substitute for consulting qualified professionals.

We handle personal-related data (including cookies/terminal identifiers where they are identifiable) in accordance with applicable privacy requirements and provide notices and appropriate consent/choices where required. (Act on the Protection of Personal Information, Act on the Protection of Personal Information (Consolidated text as of April 1, 2023.))

6) No regulated solicitation/investment dealing

This site is presented as education and planning only. We do not conduct solicitation or dealing involving regulated financial instruments or investment advice on this landing page.

(Financial Instruments and Exchange Act, Article 72 of said Cabinet Office Ordinance (advertising etc. context))

7) Google destination experience / financial products & services

Because mortgage eligibility and credit monitoring may be treated as a financial-product/service destination topic, we provide clear, non-misleading disclosures and avoid implying credit repair services or guaranteed outcomes. (Google Ads financial products and services disclosures policy)