What are Kiir Krediit's editorial principles?
Our editorial principles commit us to accuracy, transparency and the separation of information from commercial links. Every legal or product claim is based on primary sources — chiefly the Estonian Law of Obligations Act (võlaõigusseadus) and the Estonian Financial Supervision Authority (Finantsinspektsioon) — rather than on unnamed industry opinion. Content carries a last-reviewed date, and referral relationships are disclosed.
What sources does Kiir Krediit rely on?
We rely on primary legal sources: the Law of Obligations Act (võlaõigusseadus), including § 403¹ on the creditworthiness assessment and § 406² on the cost ceiling, and the supervisory framework of the Estonian Financial Supervision Authority (Finantsinspektsioon). For the cost ceiling we reference the average consumer-credit rate published by Eesti Pank (the Bank of Estonia). We do not cite anonymous "industry experts" for legal facts.
How often is content reviewed and updated?
Each page shows a last-reviewed date. We review legal and product information when the underlying rules change — for example, when Eesti Pank publishes a new average rate that affects the § 406² ceiling, or when consumer-credit law is amended. Pages are also reviewed on a recurring schedule so that statutory references and figures stay current.
How are referral links kept separate from the content?
Commercial call-to-action links that lead to partner lenders are marked with rel="nofollow sponsored" and are visually distinct from the editorial text. The factual guidance — how loans work, what the annual percentage rate of charge includes, what the law requires — is written to help borrowers and is not changed by any referral relationship. The referral fee does not affect what we report.
How do I report an error or request a correction?
If you spot an inaccuracy, contact us through the contact page. We check reported errors against the primary source, correct confirmed mistakes promptly and update the last-reviewed date on the page. Where a correction changes a material fact, we make the change clearly rather than silently editing around it.