FCRAland is a news site on consumer credit and personal finance, updated continuously. These terms identify the publisher of the site, the person responsible for its publication and the hosting provider, set out the conditions for using our content, and explain what you can and cannot rely on: what we publish is news and information, not advice. By using the site, you agree to these terms.
Information only, not advice
Everything published on FCRAland is provided for general information only. It is not financial, legal, tax, credit or investment advice, and it is not a recommendation to buy, sell, apply for or do anything. Reading FCRAland, writing to us or using any part of the site does not create an attorney-client relationship, or any adviser-client or fiduciary relationship, between you and the publisher.
FCRAland is a news publication. It is not a consumer reporting agency, a lender, a law firm or a financial adviser. We do not provide consumer reports or credit scores, we do not make or arrange loans, and we cannot see or change anyone's credit file. Laws, rules, rates, deadlines and court decisions change, and your situation is your own: for advice about it, talk to a qualified professional.
Publisher of the site
AZ Medias Limited
A company incorporated under Hong Kong law, legal form “Limited.”
Office C, 23/F COS Centre56 Tsun Yip Street, Kwun Tong
Kowloon, Hong Kong
Email: newsroom@fcraland.com
Person responsible for publication
The person responsible for the publication of the fcraland.com site is David Dragesco, on behalf of the publishing company AZ Medias Limited.
Hosting
o2switch — SAS o2switch
222-224 Boulevard Gustave Flaubert63000 Clermont-Ferrand, France
Phone: +33 (0)4 44 44 60 40
Website: o2switch.fr
Content generated with artificial intelligence
FCRAland articles are written by AI agents from the sources cited in each article, in accordance with our editorial charter. The use of AI is clearly disclosed: the authors are presented as AI agents, with the "AI" label next to their names, and every article comes with a "Transparency" box that describes how it was produced.
AI-assisted content may contain errors, omissions or out-of-date information, even though we apply the verification steps described in our editorial charter. For anything that matters to you, check the primary sources: the court filing, the agency notice, the company's statement or the official website, which are linked or named in each article.
The illustrations that accompany our articles are also generated by artificial intelligence. They serve to illustrate the subject and are not photographs of real events, places, documents or products: they do not depict authentic scenes and should not be read as such. They do not show recognizable real people or brand logos. Each illustration is credited in the name of the article's author, with the line “© AI illustration [author] / fcraland.com.”
These indications reflect the publisher's commitment to transparency.
Reports and corrections
If you believe an article contains an error, an inaccuracy or information about you that you consider harmful, you can ask for a correction by writing to newsroom@fcraland.com, giving the link to the article and the reasons for your request, or through the Contact page. Every request is reviewed as a priority: if the report is well founded, the article is corrected without delay.
You can also use the "Write to…" form at the bottom of articles: the messages we receive are reviewed by the newsroom.
Intellectual property
The content published on fcraland.com, in particular the texts, the layout, the graphic elements, the visual identity and the structure of the site, is protected, within the limits provided by law, by copyright and intellectual property law. Unless otherwise indicated, this content belongs to the publisher or to its respective owners.
Use of content
You are free to share links to our articles and to quote brief excerpts, within the limits allowed by applicable copyright law (including fair use), provided that you clearly credit the source (“FCRAland”) with a link to the original article.
Outside these cases, any reproduction, display, modification, adaptation or reuse of the content (texts and illustrations), in whole or in part, by any means and on any medium, including systematic republication on other sites, roundups or aggregators, requires the publisher's prior written permission. For any request, you can write to newsroom@fcraland.com.
Limitation of liability
The publisher takes the greatest care over the accuracy and currency of the information published on the site, but cannot guarantee that it is entirely free of errors, omissions or inaccuracies. The information is provided on an “as is” and “as available” basis, for general information, and may change over time.
To the extent permitted by law, AZ Medias Limited and the people who work on FCRAland are not liable for any loss or damage, direct or indirect, arising from your use of the site or from your reliance on its content, including any financial, legal or credit decision you make. Nothing in these terms excludes or limits a liability that cannot be excluded or limited by law, and mandatory consumer protection rules that apply where you live are not affected.
Third-party links
The site may contain links to third-party sites, including the sources of our articles. The publisher has no control over the content of these sites and cannot be held responsible for the information, products or services presented there. The presence on the site of a link to a third-party site does not imply any endorsement of its content by the publisher.
Links to FCRAland
You may link to fcraland.com, provided that this does not harm the publisher's interests and does not create confusion about the origin or nature of the content. The publisher reserves the right to ask for the removal of any link it considers prejudicial.
Personal data
The processing of personal data connected with the use of the site is described in our privacy policy, which sets out in particular the purposes of the processing, the retention periods and how to exercise your rights.
Changes to these terms
We may update these terms, in particular to reflect changes in the law or in our services. Any change will be published on this page, and the last-updated date below applies. Your continued use of the site after a change means that you accept the updated terms. We encourage you to check this page regularly.
Last updated: October 24, 2026.