Terms of Use

Last updated: 27 July 2026

1. Who we are and what NordicRate is

NordicRate (nordicrate.com) is operated by Berkay Barboros, a sole proprietorship registered in Turkey [PLACEHOLDER: registered trade name and address]. Contact: [email protected].

NordicRate is an independent comparison website for loans, mortgages, business financing, insurance and related financial products in the Nordic and Baltic countries. We are not a bank, lender, insurer, credit intermediary or licensed broker. We do not grant credit, arrange contracts, or act on behalf of any financial institution. By using the site you accept these Terms.

2. Information only — not advice, not an offer

All content, comparisons, calculators, and AI assistant responses are general information only. Nothing on this site constitutes financial, investment, legal or tax advice, a personal recommendation, or an offer to enter into any contract.
Any loan, mortgage or insurance agreement is concluded exclusively between you and the relevant financial institution, on that institution's terms and subject to its own assessment and approval.
The AI assistant produces automated informational output. It may be inaccurate or incomplete and must not be relied on as advice.

3. Accuracy of rates and data

Rates, fees, and product details are collected daily from institutions' public websites and displayed with timestamps. They are indicative only and may be outdated, incomplete or inaccurate at any time. Always verify current rates, terms, and eligibility directly with the institution before applying. Actual rates offered to you depend on the institution's individual assessment.

4. Affiliate disclosure

We may receive referral commissions from banks, insurers, or affiliate networks (such as Awin or Adtraction) when you click outbound links or apply via our site. Commissions do not change the price you pay. Compensation may influence which products are displayed or highlighted (promoted placements are labelled), but does not alter the underlying rate data we display. We do not compare every product available on the market.

5. Acceptable use

You agree not to: (a) scrape, harvest, or bulk-download site content or data without written permission; (b) interfere with the operation or security of the site, or circumvent rate limits; (c) use the site or AI assistant for unlawful purposes or to submit malicious, misleading, or infringing content; (d) misrepresent your identity in forms; (e) reverse-engineer or resell our services. We may suspend access for violations.

6. Intellectual property

The site's design, text, code, compilations of data, logos and branding are owned by the operator or its licensors and protected by copyright and database rights. Bank and institution names and logos belong to their respective owners and are used for identification only; their appearance does not imply endorsement or partnership unless expressly stated. You may view and print content for personal, non-commercial use only.

7. Third-party links

Outbound links (including /go redirect links) lead to third-party websites we do not control. We are not responsible for their content, terms, or privacy practices.

8. Limitation of liability

To the maximum extent permitted by applicable law: the site is provided "as is" and "as available" without warranties of any kind; we are not liable for decisions you make in reliance on site content, for losses arising from inaccurate or outdated rate information, for the acts or omissions of any financial institution, or for indirect or consequential losses.

Nothing in these Terms excludes or limits liability that cannot be excluded under mandatory law, including liability for intent or gross negligence, or mandatory consumer rights under the law of your country of residence, which remain unaffected.

9. Governing law and disputes

These Terms are governed by the laws of [REVIEW WITH LAWYER: governing-law choice — operator is a Turkish sole proprietorship serving EU consumers; under Rome I / EU consumer-protection rules, EU consumers may retain the protection of mandatory provisions of their home law and may sue in their home courts regardless of this clause].

If you are an EU consumer, you may also use the European Commission's Online Dispute Resolution platform: https://ec.europa.eu/consumers/odr

10. Changes to these Terms

We may update these Terms at any time; the current version is always available on this page with its "Last updated" date. Continued use after changes constitutes acceptance.

11. Contact

General: [email protected] — Partnerships: [email protected]