Disclaimer

Last Updated: December 7, 2025

⚠️ Important Notice

ScratchpayVetsBill is an independent review website. We are NOT affiliated with, endorsed by, or in any way officially connected with Scratch Financial, Inc., Scratchpay, CareCredit, Synchrony Financial, or any other financing company mentioned on this site.

Not Financial Advice

The information provided on ScratchpayVetsBill is for general informational and educational purposes only. It should not be construed as:

  • Financial advice or recommendations
  • Legal advice
  • Tax advice
  • Professional veterinary advice

Before making any financial decisions, including applying for financing products, we strongly recommend consulting with a qualified financial advisor, accountant, or other professional who can evaluate your specific situation.

Affiliate Disclosure

Transparency is important to us. ScratchpayVetsBill participates in affiliate marketing programs, which means we may receive compensation when you:

  • Click on certain links on our website
  • Apply for financing products through our links
  • Complete transactions with our affiliate partners

This compensation helps us maintain and improve our website. However, affiliate relationships do not influence our editorial content, ratings, or recommendations. We review products based on independent research and real customer experiences, regardless of whether we receive compensation.

No Guarantee of Approval

We make no guarantees regarding loan approval, interest rates, credit limits, or any other terms. Financing decisions are made solely by the lending institutions based on their own criteria, including but not limited to:

  • Your credit history and score
  • Income and employment status
  • Debt-to-income ratio
  • Other factors determined by the lender

Accuracy of Information

While we strive to provide accurate, up-to-date information, we cannot guarantee that all content on our website is:

  • Completely accurate at all times
  • Free from errors or omissions
  • Current with the latest product changes

Financing products, terms, and conditions can change frequently. Always verify current terms directly with the financing provider before making any decisions.

Third-Party Content

Our website may contain links to third-party websites, embedded forms, and external content. We are not responsible for:

  • The accuracy or reliability of third-party content
  • Privacy practices of third-party websites
  • Any transactions conducted with third parties
  • Any damages resulting from third-party interactions

Customer Reviews

Customer reviews and testimonials displayed on our website are sourced from public platforms like Trustpilot. These reviews represent individual experiences and opinions, which may not be typical. Individual results may vary significantly.

Limitation of Liability

ScratchpayVetsBill shall not be held liable for any damages, losses, or expenses arising from:

  • Your reliance on information provided on our website
  • Decisions made based on our content
  • Use of any products or services mentioned
  • Third-party actions or content

Contact Us

If you have questions about this disclaimer or believe any information on our website is inaccurate, please contact us: