Terms of Use
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Effective November 11, 2026. These plain-language terms are a draft for legal review.
Educational information
Kres Financial is a publication. Its information is not financial, insurance, legal, or tax advice, and reading it does not create an advisor, agent, or client relationship. Sebastian Cosentino is not a licensed financial advisor, insurance agent, or credit counselor.
Costs and changing terms
Provider eligibility, availability, prices, and agreements can change. A dated article is a record of the sources checked at that time. The provider’s current agreement governs its product. An illustrative calculation is not a quote or a promise that a person qualifies.
External providers and paid links
The publisher does not provide a financial product, process an application, or decide eligibility. Third-party sites have their own terms and privacy policies. How we make money explains paid links and coverage incentives.
Use and corrections
Use the site lawfully and do not misrepresent its content as personal advice or an official provider statement. Link to the original page when sharing a reference. If information appears incorrect, use the corrections route so the editor can check it.
Contact
Kres Financial. Published by Sebastian Cosentino. Questions about these terms can be sent to hello@getkres.com.
Change log
- November 11, 2026: First version.