Terms

Last reviewed October 1, 2026 · 3 minutes

These terms cover reading fourhundredx.com. They are not a substitute for legal advice, and they do not create a counseling relationship.

Reading

You may read these pages for your own use. You may quote a short passage with a link to the page. You may not copy the site, sell it, or republish the pages as your own.

Changes

Xinyang Chen may edit, date, or remove a page. A correction, when one is made, stays on the page as old text, new text, and the date.

Not advice

FourHundred is an education tool for adults in the United States. It is not personalized financial, tax, legal, or credit advice. It does not tell you which bill to pay, which product to open, or whether to file. It does not negotiate with a landlord, issuer, or collector. It does not connect to a bank account.

Limit

Pages can be wrong. Check the official source or your own statement before you act. To the extent the law allows, the publisher is not liable for decisions you make after reading a page. Official numbers and government documents remain the property of their publishers.

Contact

Corrections: [email protected]. That address is not a counseling line.