Last updated: June 21, 2026
The Market Yield operates the digital platform located at https://themarketyield.com/, offering independent editorial content focused primarily on credit cards, practical financial orientation, and jobs-related guidance. Our mission is to help users move through product comparison and career decisions with clearer information, more transparent expectations, and more practical context about the differences that matter before they act.
This platform is developed and managed by The Market Yield editorial team under the institutional structure of ActiveView OÜ, the legal owner and operator of the portal. Every guide, comparison path, feature breakdown, editorial explainer, and structured route published on The Market Yield is part of an editorial process that prioritizes source verification, structural clarity, and practical usefulness. By accessing or using this portal, you agree to these Terms of Use, our Politica de confidențialitate, and the institutional guidance published on the website. In these Terms, the expressions “we,” “our,” and “us” refer to the legal operator of The Market Yield within this institutional framework.
The Market Yield is free to access. We do not charge subscription fees, annual-fee waivers, release fees, card-approval fees, transfer fees, account-opening fees, PIX fees, or any other amount in exchange for access to content, favorable rankings, approval promises, or contact with third-party providers. Any request for payment claiming to come from The Market Yield should be treated as suspicious and reported through our official Contact Page.
Although The Market Yield may discuss credit-card features, representative APRs, rewards logic, fees, approval conditions, job opportunities, or hiring pathways, it does not issue cards, provide loans, extend credit, perform underwriting, guarantee approvals, negotiate financial contracts, hire users, or act as a recruiter or official intermediary. Our role is editorial and informational only.
We are also committed to privacy and transparency. Our Politica de confidențialitate explains how personal data may be collected, processed, stored, disclosed, and protected when users interact with the portal. These Terms define the legal conditions for use of the site, the obligations of users, the limits of our role, and the protections retained by ActiveView OÜ.
PLEASE READ THESE TERMS CAREFULLY. IF YOU DO NOT AGREE WITH ANY PART OF THEM, YOU MUST STOP USING THE MARKET YIELD IMMEDIATELY.
Article I – Definition, Purpose and Scope of Use
The Market Yield is an editorial, informational, and comparison-oriented digital portal available at https://themarketyield.com/ and operated by ActiveView OÜ, an Estonian company responsible for the institutional, legal, and operational governance of the platform.
The purpose of The Market Yield is to provide independent content, practical guides, structured comparison paths, and explanatory materials that help users better understand credit cards, finance-sensitive product differences, jobs-related opportunities, and everyday decision-making factors linked to those themes. The portal is intended to reduce confusion, improve transparency, and support more informed navigation through decisions that may carry contractual or financial consequences.
Authorized use of The Market Yield is limited to lawful, personal, informational, and non-abusive use. Users may access, read, browse, and interact with the platform in a manner consistent with these Terms and with the ordinary technical and editorial purpose of the site. Any extractive, deceptive, automated, abusive, or unlawful use falls outside the permitted scope.
Article II – Official Contact Channel and Institutional Communications
The Market Yield provides one official communication route through its Contact Page for institutional messages, content feedback, rights-related notices, and comparable portal-level communications directly related to the operation of the site.
This route is institutional in nature. It is not a banking-support line, card-servicing desk, underwriting channel, debt-negotiation service, personalized financial-advice channel, recruiting desk, or individualized career-counseling service. It does not create any obligation to provide card recommendations tailored to your personal financial profile, intervene with third-party issuers, assist with disputes against providers, review applications, or offer case-by-case decision support.
Submitting a message through this route does not create a duty to respond, a guaranteed response-time commitment, a support relationship, or any obligation for ActiveView OÜ to mediate disputes, follow up on applications, contact third-party issuers, or accompany a specific financial or employment situation. Any review of incoming messages occurs according to institutional relevance and operational availability.
Any communication that appears to come from The Market Yield but does not originate from our official portal routes should be independently verified before being trusted. Users are responsible for acting cautiously when receiving messages, links, requests for documents, or payment demands that falsely claim an association with The Market Yield or ActiveView OÜ.
Article III – Responsibilities and Platform Limits
The Market Yield operates strictly as an independent information, comparison, and editorial-guidance environment. ActiveView OÜ is not a financial institution, bank, lender, credit broker, credit card issuer, payment-service provider, employer, recruitment agency, or official representative of third-party companies, hiring platforms, or service providers mentioned on the site.
The content published on The Market Yield is intended for informational, educational, comparative, and navigational purposes only. The portal may include articles about credit cards, fees, representative APRs, rewards logic, eligibility ideas, approval pathways, jobs, hiring processes, and practical financial-orientation questions. Even where The Market Yield presents structured comparisons, summaries, rankings, editorial recommendations, or route-based discovery modules, such content does not constitute a binding offer, a professional advisory relationship, direct service provision, a regulated financial recommendation, or a guarantee of any approval or economic result.
Users are solely responsible for validating relevant conditions directly with the applicable bank, card issuer, employer, official hiring platform, competent authority, or service provider before taking action. Card pricing, representative APRs, approval standards, credit limits, eligibility rules, promotional benefits, job availability, salary ranges, document expectations, and third-party terms may change at any time without notice and remain outside the direct control of The Market Yield.
The Market Yield may contain references, links, ads, comparisons, or discovery paths pointing to third-party environments. We do not fully control those environments and are not responsible for their availability, security, policies, data practices, financial-product terms, legal compliance, underwriting decisions, hiring decisions, or operational choices. Users who choose to interact with third-party issuers, banks, employers, or platforms do so at their own risk and must review those third parties’ own terms and policies before proceeding.
Users are also responsible for protecting their own devices, credentials, personal data, and browsing environment against phishing, malware, impersonation, fraud, or other cyber risks that may arise outside the portal’s direct operational control.
Article IV – Conduct Guidelines and Prohibitions
4.1 Engagement in Unlawful Activity
Users must not use The Market Yield to promote, facilitate, coordinate, conceal, or support any unlawful activity, fraud, abuse, or conduct that violates applicable law.
4.2 Breach of Applicable Laws
Users may not access or use the platform in a manner that breaches civil, criminal, commercial, consumer-protection, data-protection, intellectual-property, advertising, financial-promotion, employment-related, or cybersecurity laws applicable to their conduct.
4.3 Violation of Intellectual Property
Users must not copy, reproduce, translate, republish, distribute, scrape, mine, or commercially exploit the portal’s texts, structures, editorial assets, designs, graphics, or protected materials without proper authorization.
4.4 Harassment, Discrimination, and Defamatory Speech
Users may not use any communication channel, form, message path, or portal surface to harass, threaten, discriminate against, defame, humiliate, or attack individuals, groups, or entities.
4.5 Distribution of False or Misleading Information
Users must not knowingly submit, circulate, publish, or communicate false, deceptive, manipulated, or misleading information through the platform or in a way that misrepresents its institutional identity.
4.6 Introduction of Malicious Code/Harmful Software
Users may not introduce malware, spyware, ransomware, malicious scripts, unauthorized automation, harmful code, infected files, or any technology designed to damage, interrupt, or exploit the platform or its users.
4.7 Misuse of Personal Data
Users may not collect, expose, exploit, repurpose, or manipulate personal data obtained through or around the portal in a manner that is unlawful, abusive, or incompatible with the platform’s legitimate use.
4.8 Fraudulent, Deceptive, or Impersonation Activity
Users may not impersonate The Market Yield, ActiveView OÜ, another person, or another organization; create fraudulent identities; perform phishing; disguise origin; or engage in deceptive activity of any kind.
4.9 Posting of Obscene/Graphic Content
Users may not use the platform to insert, transmit, or promote obscene, sexually explicit, extremely graphic, violent, hateful, or otherwise inappropriate content that conflicts with the portal’s editorial and institutional purpose.
4.10 Tampering with Platform Security
Users may not hack, test, probe, bypass, reverse engineer, disable, disrupt, overload, or interfere with any security mechanism, rate limit, log, technical protection, access control, infrastructure layer, or operational safeguard used by the platform.
In addition to the conduct listed above, unauthorized scraping, automated AI-training extraction, bulk content replication, form abuse, spam, automated harvesting, and attempts to evade logs, rate limits, or other technical protections are expressly prohibited. Violations may result in suspension of access, removal of infringing material, defensive technical measures, and, where appropriate, legal action or referral to competent authorities.
Article V – Disclaimer and Limitation of Liability
The Market Yield is provided “as is” şi “as available.” While we make reasonable editorial efforts to maintain clarity, usefulness, and institutional consistency, we do not guarantee absolute accuracy, uninterrupted availability, complete coverage, suitability for a particular purpose, or continuous alignment of all content with real-time third-party updates.
To the fullest extent permitted by applicable law, ActiveView OÜ disclaims liability for losses, costs, claims, delays, damages, disruptions, or consequences arising from the use of The Market Yield or from reliance on information, comparisons, rankings, summaries, route-based discovery flows, editorial explanations, or third-party references presented through the platform.
The Market Yield does not guarantee credit approval, card issuance, annual-fee outcomes, promotional rewards, borrowing capacity, hiring outcomes, salary levels, job placement, or any commercial or personal result derived from content published on the site. Users remain responsible for independently validating material facts before acting on them.
Where the portal includes comparison tables, editorial scoring, estimate-oriented examples, feature summaries, or similar support tools, users acknowledge that any outputs are illustrative or informational only and do not constitute financial advice, investment advice, legal advice, employment advice, underwriting approval, or a guaranteed result. Representative examples, estimated calculations, or editorial ratings must not be treated as a personalized offer or a contractual commitment.
ActiveView OÜ is also not liable for acts, omissions, rejections, cancellations, policy changes, pricing changes, eligibility decisions, underwriting outcomes, fraud, or contractual practices of third-party banks, issuers, employers, advertisers, agencies, platforms, apps, or other external entities referenced by the portal. Where The Market Yield becomes aware that a referenced third-party route, link, or resource appears materially misleading, unsafe, unlawful, or incompatible with the portal’s editorial standards, we may review, restrict, relabel, or remove that reference as part of our ongoing editorial and compliance controls.
Article VI – Validity and Legal Provisions
These Terms remain in effect while the user accesses or uses The Market Yield or interacts with any of its resources, unless replaced by a later version published by the portal.
ActiveView OÜ may reorganize, pause, restrict, expand, discontinue, or otherwise modify categories, modules, discovery routes, editorial paths, technical features, comparison structures, or institutional materials of the portal for editorial, strategic, technical, commercial, compliance, or legal reasons. Nothing in these Terms guarantees that any specific surface, route, category, feature, or informational flow will remain continuously available in the same form.
The existence of the portal or of its official contact route does not create a standing support, case-management, mediation, underwriting-review, complaint-handling, or follow-up obligation toward users. The Market Yield remains an editorial and informational environment, and ActiveView OÜ may assess communications, notices, or operational concerns according to legal necessity, institutional relevance, and practical availability.
Nothing in this Article should be interpreted as extinguishing rights through a short universal claim deadline. Any timing question related to disputes, rights, or remedies remains subject to the mandatory legal framework that may apply in the specific context.
Article VII – Governing Law and Jurisdiction
These Terms shall be governed by and interpreted in accordance with the laws of Estonia, without prejudice to the potential application of mandatory consumer-protection, privacy, advertising, or finance-related transparency rules that may apply where a legally sufficient territorial connection exists.
To the fullest extent permitted by law, any dispute relating to The Market Yield, these Terms, or the use of the platform shall be subject to the competent jurisdiction of Tallinn, Estonia.
For the current operational version of The Market Yield, the portal’s territorial-compliance reading takes special account of the principal countries associated with the platform’s traffic and market relevance: Spain and the United Kingdom. Because Spain forms part of the broader European privacy and consumer-protection environment, users with an effective EEA connection may benefit from the protections of the GDPR and related local rules where applicable. For United Kingdom-connected use, the portal may also calibrate disclosures and privacy handling in light of the UK GDPR and the Data Protection Act 2018 where a sufficient legal nexus exists.
Because The Market Yield covers credit-card and finance-adjacent topics, it may apply reinforced disclosure, affiliate-transparency, consent, or route-specific caution language where regional rules or platform risk considerations make that appropriate. For the avoidance of doubt, The Market Yield remains an informational and editorial portal. It does not intermediate payments, charge release fees, collect money in exchange for approvals, guarantee eligibility, present itself as a licensed bank or credit intermediary, or act as the official issuer of any financial product referenced on the site.
Article VIII – Intellectual Property and Content Rights
8.1 Content Ownership
All original texts, articles, guides, comparisons, editorial structures, layouts, visual elements, institutional materials, trademarks, logos, compilations, and other protected content published on The Market Yield are protected by applicable intellectual-property and unfair-competition laws. Ownership belongs to ActiveView OÜ or to the respective rightsholders where indicated.
8.2 Limitarea răspunderii
Access to The Market Yield does not grant users ownership of the portal’s intellectual assets. Users receive only a limited, revocable, non-exclusive permission to access the content for personal and informational use. Unauthorized copying, translation, structured extraction, republication, redistribution, or commercial exploitation is prohibited.
8.3 Gestionarea încălcărilor conținutului
ActiveView OÜ may take reasonable action to investigate, restrict, remove, or respond to misuse of content, infringement claims, or unauthorized exploitation of The Market Yield materials. Notices regarding potential violations may be sent through the official Contact Page.
Article IX – Updates and Modifications
ActiveView OÜ reserves the right to update, revise, expand, summarize, replace, or otherwise modify these Terms of Use at any time, without individual prior notice, except where mandatory law requires a different notification mechanism.
The version in force shall always be the version published on the portal with its visible revision date. Continued use of The Market Yield after updates are posted will be interpreted as acceptance of the revised version.
We also reserve the right to modify the platform’s architecture, editorial priorities, discovery routes, categories, tools, modules, comparison logic, or institutional presentation as the portal evolves. Nothing in these Terms creates a right to a permanently fixed structure, experience, or set of features.
Article X – Official Contact and Institutional Route
For questions about these Terms of Use, institutional matters, content-related notices, rights-related requests, or other communications directly related to the operation of the portal, users may contact The Market Yield through the official Contact Page.
That route is provided for institutional communications only. It does not create a customer-support obligation, card-servicing relationship, individualized advisory relationship, underwriting-review duty, recruitment-service obligation, or mediation role between the user and any third-party bank, issuer, employer, platform, advertiser, or external service referenced by the portal.
Users may also review the Politica de confidențialitate, these Termeni de utilizare, and the main site, all operated under the legal responsibility of ActiveView OÜ.
ActiveView OÜ
Registry Code: 16639782
VAT: EE102590366
Kotkapoja tn 2a-10, Tallinn 10615, Harju, Estonia
