Welcome to Citi Bak. We’re glad you’re here, and we want you to feel comfortable navigating this space—whether you’re reading financial advice, checking out banking resources, or exploring credit support. These Terms and Conditions explain how our site works and what’s expected from both of us when you use it.
By visiting and using this site, you agree to these terms. We’ll always aim to keep things easy to understand, respectful, and helpful. If you have questions or want clarification on anything, you can reach us anytime at contact@citibak.com. We're here to help.
Citi Bak is an informational platform built around everyday financial education. The content you find here is designed to make banking, credit, and financial planning simpler and more approachable.
We publish articles, guides, tools, and updates intended for general education and awareness. We don’t offer personalized financial advice or one-on-one financial services. Our site does not replace professional financial consultations or licensed banking services. We encourage you to speak with a certified advisor or licensed lender when making big financial decisions.
Everything we publish is designed to help you feel more informed—but it’s up to you to decide how and when to apply what you learn.
By visiting Citi Bak, you are agreeing to respectfully use our content for personal, non-commercial purposes. You are encouraged to study, read, send links, and even quote from our works with appropriate credit. Still, copying full pieces, distributing our guide, or passing our work as your own without permission is not allowed.
Every piece of material here is carefully crafted and well expressed. We urge that it be used in the manner it was intended—that of assistance, encouragement, and education rather than of manipulation or profit from without acknowledgement.
You likewise agree not to meddle with the site's operation. That implies no data extraction using automated techniques, spamming, hacking, or scraping. Should a user be discovered breaking these fundamental rules, we retain the right to restrict access or prevent behaviour disturbing the site.
We work hard to keep our information accurate, helpful, and up to date. But financial laws, products, and trends can change quickly, and we can’t guarantee that every piece of content reflects the very latest developments.
We do not accept liability for outcomes or decisions made based on the content you read here. What you find on Citi Bak is general in nature, not tailored to your personal financial situation. Before making any major money moves—whether that’s opening a loan, investing, or applying for credit—we recommend confirming the details with an appropriate professional.
This site is here to guide, not to guarantee.
You’ll find links on this site that lead to other websites. These could be tools, calculators, partner services, or government agencies offering financial support or guidance.
We lose control as you walk out of Citi Bak. Content, security, or privacy policies of any third-party websites you decide to visit from this page are not under our control. Before distributing any information or rendering any choices, we advise reviewing their terms and conditions.
Although we only link to sites we think to be reliable and helpful, it's wise to perform your own due diligence constantly.
We may provide Q&A tools, user forums, or comment sections going forward. When that occurs, we will expect every contact to be inclusive and kind.
From first-time budgeters to those in debt recovery, our tool is designed to help individuals in all types of financial circumstances. Posting openly means you agree to act in a kind, helpful, and free from hate speech, spam, or false information manner.
We have the right to censor or delete any material contradicting the tone and goal of this site.
We may offer downloadable budgeting templates, checklists, or printable guides. These tools are free for personal use. You’re welcome to save them, use them, and share them with credit to Citi Bak.
What’s not allowed is rebranding, selling, or publishing our resources as your own. If you’d like to use something we created in a presentation, course, or workshop, just ask us. We’re happy to collaborate, but we do ask for proper attribution and respectful usage.
As our platform grows, these Terms and Conditions may change. When we update them, we’ll revise the date at the bottom of this page. Major updates may also be flagged on the site homepage or through our newsletter if you’re subscribed.
By continuing to use Citi Bak after updates are made, you’re agreeing to the revised terms. It’s always a good idea to revisit this page occasionally—especially if you’re a frequent user of the site.
These Terms and Conditions are governed by the laws of the jurisdiction where Citi Bak operates. If any legal issues arise related to the use of this site, they will be handled in accordance with those local or national laws.
We hope it never comes to that, but we include this language to be transparent and accountable.
We’re real people behind this platform, and we take your experience seriously. If anything on this page feels unclear, if you’ve spotted an issue, or if you’re interested in using our work in a project or partnership, just reach out.
Email: contact@citibak.com
Thanks for being here.
Thanks for reading with care.
And thanks for treating this platform—and your financial journey—with the respect they both deserve.