Disclaimer & Liability

1. Nature of this website — information only

SmartCreditcard.eu is an independent credit card comparison platform serving the Netherlands. All content on this website is provided solely for general informational purposes and is not legally binding. SmartCreditcard.eu does not offer financial products, does not grant credit and does not sell services directly to consumers. You cannot apply for, purchase or activate a credit card through SmartCreditcard.eu — all applications are processed exclusively through the official website or channels of the respective provider. SmartCreditcard.eu is not a financial services provider within the meaning of the Dutch Financial Supervision Act (Wft) and is not supervised by the Netherlands Authority for the Financial Markets (AFM) or De Nederlandsche Bank (DNB).

2. No financial, legal or professional advice

The content of SmartCreditcard.eu expressly does not constitute financial, legal, tax or any other form of professional advice and must not be used or interpreted as such. The comparisons, scores, assessments and any recommendations on this website are of a general nature only and do not take account of your personal financial situation, income, spending habits, goals, risk appetite or individual needs. Always consult a qualified, independent financial adviser, your bank or another legally qualified professional before making any financial decision based on information from our website. SmartCreditcard.eu accepts no responsibility whatsoever for decisions, actions or omissions you take — directly or indirectly — based on information on this website.

3. Accuracy, completeness and currency of information

We take great care to keep the information on SmartCreditcard.eu accurate and up to date. Nevertheless, rates, interest percentages, annual fees, eligibility criteria, reward programmes, product specifications and other details may be changed at any time without prior notice by the respective providers. SmartCreditcard.eu makes no warranty — express or implied — as to the completeness, accuracy, timeliness or fitness for any particular purpose of the information provided. Always verify the most current product information, terms and fees directly on the official website of the relevant provider before submitting an application or making a financial decision.

4. Affiliate links and commercial remuneration

SmartCreditcard.eu participates in affiliate programmes with credit card providers and financial institutions. We may receive a commercial fee (commission) when you apply for or take out a product via a referral link on our website. In accordance with the guidelines of the Netherlands Authority for Consumers and Markets (ACM) and the Advertising Code Committee (RCC) we disclose these commercial relationships transparently. We expressly state that any commercial fees do not influence the objectivity, ranking, assessment or editorial content of our comparisons. Not all providers or credit card products available in the Netherlands are represented on this website. The order in which products appear is based on objective criteria unless explicitly stated otherwise.

5. AI-generated and automated content

Parts of the information, product descriptions, comparison tables and other content on SmartCreditcard.eu may have been (partly) generated or compiled using artificial intelligence (AI) or automated processing techniques. Although we apply editorial oversight and quality checks, AI-generated content may contain errors, inaccuracies, outdated data or misleading formulations. SmartCreditcard.eu is not liable for any loss or damage — direct or indirect — arising from the use of AI-generated content. We strongly advise you to verify all information with the official source before relying on it or acting upon it.

6. Exclusion of liability

To the maximum extent permitted by law, SmartCreditcard.eu — its owners, directors, employees, representatives, licensors and partners — expressly excludes all liability for any loss or damage arising in connection with the use of this website, including but not limited to:

• –direct, indirect, incidental, special, consequential or punitive damages;
• –financial losses, debts or disadvantage resulting from decisions made on the basis of information on this website;
• –loss of revenue, profits, goodwill or data;
• –loss or damage caused by technical failures, interruptions, viruses, malware or unauthorised access;
• –loss or damage caused by (un)availability of the website or maintenance periods;
• –loss or damage arising from reliance on or use of external websites to which we link.

Use of SmartCreditcard.eu and the information on this website is entirely at the user's own risk. Where liability cannot be excluded by law, SmartCreditcard.eu's total liability is in any event limited to the amount paid out by its liability insurance in the relevant case.

7. Links to external third-party websites

SmartCreditcard.eu contains hyperlinks to websites of credit card providers and other third parties. These links are provided for information and convenience only. We have no control over the content, privacy policy, security, availability or accuracy of external websites. The inclusion of a link to an external website does not imply any endorsement, recommendation or commercial relationship by SmartCreditcard.eu with that website or its owners. SmartCreditcard.eu is not liable for the content of, or any loss or damage caused by, external websites to which we link. Once you leave our website via a link, the terms and privacy policy of the relevant external website apply.

8. Intellectual property

All content on SmartCreditcard.eu — including but not limited to texts, comparison tables, scores, methodologies, images, logos, icons, layout, source code and software — is the exclusive property of Smart Creditcard or its licensors and is protected by copyright, database rights and other intellectual property rights. Without the express prior written permission of Smart Creditcard it is not permitted to copy, reproduce, distribute, publish, adapt, transmit or use any content from this website for commercial purposes. Third-party brand names and logos are the property of their respective owners and are used for identification purposes only.

9. Website availability

SmartCreditcard.eu strives for continuous, error-free availability of the website but makes no guarantee that the website will be available at all times without interruptions or errors. We reserve the right to take the website or parts thereof offline at any time and without prior notice, whether temporarily or permanently, for maintenance, updates or any other reason. SmartCreditcard.eu is not liable for any loss or damage arising from (temporary) unavailability of the website.

10. Amendments to this disclaimer

SmartCreditcard.eu reserves the right to unilaterally amend this disclaimer at any time without prior notice. The most current version is always available on this page, marked with the date of the latest update. We recommend you check this page regularly. Continued use of the website following an amendment constitutes tacit acceptance of the revised disclaimer.

11. Governing law and jurisdiction

This disclaimer, the use of SmartCreditcard.eu and all disputes arising in connection therewith are governed exclusively by Dutch law, to the exclusion of private international law rules. Disputes that cannot be resolved amicably shall — without prejudice to SmartCreditcard.eu's right to bring proceedings before another competent court — be submitted to the competent court in the district of Zeeland-West-Brabant, the Netherlands. If you are a consumer, you retain the right to bring proceedings before the court of your own place of residence.