Terms Of Use

PLEASE READ THESE TERMS AND CONDITIONS OF USE CAREFULLY BEFORE USING THIS SITE. THEY SET FORTH THE LEGALLY BINDING TERMS AND CONDITIONS FOR YOUR USE OF THE SITE. THESE TERMS CONTAIN A BINDING ARBITRATION AGREEMENT AND CLASS ACTION WAIVER THAT AFFECT YOUR LEGAL RIGHTS.

I. Introduction

Welcome to Card Finance Advice. This website is operated by Card Finance Advice ("Company," "we," "our," or "us").

These Terms of Use ("Terms") govern your use of CardFinanceAdvice.com (including, without limitation, all mobile and online versions of our site), and also apply to your use of all features, content, and services that we make available through the site (collectively, the "Site"). By using the Site, you agree to be bound by these Terms and to comply with all applicable laws and regulations.

The words "you" and "your" refer to each visitor or user of the Site. It is your responsibility to review these Terms periodically. If at any time you find these Terms unacceptable or do not agree to them, please do not use this Site.

YOU AGREE THAT BY USING THE SITE YOU ARE AT LEAST EIGHTEEN (18) YEARS OF AGE AND LEGALLY ABLE TO ENTER INTO A CONTRACT.

The Site is intended solely for users located in the United States. We make no representation that the Site or any Content is appropriate or available for use outside the U.S.

II. Financial Content Disclaimer

Card Finance Advice publishes editorial content for general informational and educational purposes only. Nothing on this Site constitutes financial, investment, tax, legal, or other professional advice. All content is provided "as is" and does not take into account your individual financial situation, goals, or needs.

You should always consult a qualified financial advisor, tax professional, or attorney before making any financial decision. Past performance of any financial product is not a guarantee of future results. Financial product rates, terms, and availability displayed on this Site, including but not limited to savings rates, CD rates, and insurance premiums, are provided by third-party partners, are subject to change without notice, and should be independently verified with the product provider before making any financial decision.

Card Finance Advice does not guarantee the accuracy, completeness, or timeliness of any information on the Site, and expressly disclaims liability for errors or omissions. The Site strives to maintain accurate and current information; however, because financial products, rates, and regulations change frequently, we cannot guarantee that all content on the Site is completely current, correct, or up-to-date at the time you read it.

Any lead forms or applications for financial products on this Site are hosted and processed entirely by third-party partners. Card Finance Advice does not collect or store any personal or financial information submitted through such forms.

III. Advertising and Affiliate Relationships

Card Finance Advice is an advertising-supported publisher. We earn compensation from third-party advertisers and affiliate partners, including through referral fees, revenue-sharing arrangements, and cost-per-click or cost-per-lead programs.

Compensation from these partners may influence which products or services appear on the Site and the order in which they appear. This compensation does not affect the preparation of our independent editorial content, though editorial articles may include affiliate links and rate tables that are part of our commercial relationships, as described in our Editorial Policy.

We are committed to providing honest, research-based content to help you make informed financial decisions. Our editorial team operates independently of our advertising and business development teams. If you click on a link to a third-party advertiser or affiliate partner and complete a transaction, we may receive a commission or referral fee at no additional cost to you.

For additional information about how we make money, please see our Advertiser Disclosure on the Site.

Any advertorials, listicles, or sponsored content will be clearly and conspicuously labeled as such (e.g., 'Sponsored,' 'Advertorial,' or 'Partner Content') at the top of the article and will link to or include our Advertiser Disclosure.

IV. Privacy Policy

A complete statement of the Site's current Privacy Policy can be found at CardFinanceAdvice.com/privacy. The Privacy Policy is expressly incorporated into these Terms by reference. While you use the Site, certain information may be collected automatically or through your interactions with the Site, in accordance with our Privacy Policy.

V. Site Content, Ownership, and Limited License

A. Content

The Site contains a variety of materials including: (i) articles, reviews, text, data, files, images, scripts, designs, graphics, button icons, illustrations, photographs, audio, videos, advertising copy, URLs, technology, software, interactive features, and the "look and feel" of the Site; (ii) trademarks, trade dress, logos, trade names, and service marks of Company and third parties ("Trademarks"); and (iii) other forms of intellectual property (all of the foregoing, collectively, "Content").

B. Ownership

The Site and the Content are owned or controlled by Company and our licensors and certain other third parties. All right, title, and interest in and to the Content available through the Site is the property of Company or our licensors or certain other third parties, and is protected by U.S. and international copyright, trademark, trade dress, patent, and other intellectual property laws to the fullest extent possible.

C. Limited License

Subject to your strict compliance with these Terms, Company grants you a limited, non-exclusive, revocable, non-assignable, personal, and non-transferable license to access, display, view, and use the Site and its Content on a personal device for your personal, non-commercial use only. This limited license: (i) does not give you any ownership of, or any other intellectual property interest in, any Content; and (ii) may be immediately suspended or terminated for any reason in Company's sole discretion, without advance notice or liability.

D. Rights of Others

When using the Site, you must respect the intellectual property and other rights of Company and others. Unauthorized use of Content may violate copyright, trademark, privacy, and other laws and may result in personal liability, including potential criminal liability.

VI. Site and Content Use Restrictions

A. Site Use Restrictions

You agree that you will not: (i) use the Site for any unlawful, commercial, or political purpose; (ii) use any meta tags or "hidden text" utilizing any Trademarks; (iii) engage in any activities through the Site that seek to harm individuals or entities or are unlawful, offensive, obscene, threatening, harassing, or abusive; (iv) reverse engineer, decompile, or disassemble any software or other products or processes accessible through the Site; (v) engage in any activity that interferes with a user's access to the Site or otherwise harms the Site or other users; (vi) interfere with or circumvent any security feature of the Site; (vii) harvest or otherwise collect personally identifiable information about users of the Site without their express consent; or (viii) attempt to gain unauthorized access to the Site or any connected computer systems or networks; or (ix) use any Content or data from the Site as training data for any machine learning model, artificial intelligence system, or similar algorithmic application without the prior written consent of Company.

B. Content Use Restrictions

You also agree that in using the Site: (i) you will not use any automated tool, robot, spider, scraper, or other device to monitor, gather, copy, or distribute the Content, or use any such tool for any machine learning, AI training, or similar data harvesting purpose; (ii) you will not frame or use framing techniques to enclose any Content; (iii) you will keep intact all Trademark, copyright, and other intellectual property notices; (iv) you will not use Content in a manner that suggests an unauthorized association with Company or its licensors; (v) you will not make any modifications to such Content; and (vi) you will not copy, reproduce, distribute, broadcast, publish, or otherwise use any Content for any purpose except as specifically permitted by these Terms or with the prior written consent of an officer of Company.

C. Availability of Site and Content

Company may immediately suspend or terminate the availability of the Site and Content to anyone, in whole or in part, for any reason, in Company's sole discretion, and without advance notice or liability.

VII. User Feedback and Submissions

Card Finance Advice does not currently offer user submission features such as forums, comment sections, or user-generated content tools. If such features are offered in the future, additional terms governing user submissions will apply and will be posted on the Site.

VIII. Links to Third-Party Sites; Advertisements; Third-Party Dealings

A. Linked Sites and Advertisements

The Site may contain links to third-party websites ("Linked Sites"), including websites operated by advertisers, affiliates, licensors, and other third parties. Company may have no control over the content, operations, policies, or terms of Linked Sites and does not assume any obligation to review them. Company does not endorse, approve, or sponsor any Linked Sites or any third-party content, advertising, information, materials, products, or services. Company will under no circumstances be liable for any loss or damage caused by your reliance on content accessed through any Linked Site.

B. Dealings with Third Parties

Any interactions, correspondence, transactions, and other dealings you have with any third parties found on or through the Site (including on or via Linked Sites or advertisements) are solely between you and the third party. Company disclaims all liability in connection therewith.

IX. Notices, Questions, and Communications

You agree that: (i) we may give you notices of new, revised, or changed terms and other important matters by prominently posting notice on the Site or in another reasonable manner; and (ii) we may contact you by mail or email sent to the address provided by you. You agree to promptly notify us if you change your contact information.

For general questions, you may contact us at: support@cardfinanceadvice.com. For legal notices and all formal communications including privacy rights requests and DMCA notices, please send written notice to support@cardfinanceadvice.com. Notice shall be deemed given upon receipt or within 24 hours after email is sent, unless the sending party is notified that the email address is invalid.

For DMCA/copyright infringement notices, please contact our designated Copyright Agent at: support@cardfinanceadvice.com. Any notification pursuant to the Digital Millennium Copyright Act must include: (i) a physical or electronic signature of the copyright owner or authorized agent; (ii) identification of the copyrighted work claimed to be infringed; (iii) identification of the infringing material and its location on the Site; (iv) your contact information; (v) a statement of good faith belief that the use is not authorized; and (vi) a statement under penalty of perjury that the information in the notification is accurate and you are authorized to act on behalf of the copyright owner.

X. Dispute Resolution and Arbitration

Agreement to arbitration is a required condition of your use of the Site. You and Company agree that if any controversy, allegation, or claim arises out of or relates to the Site, the Content, these Terms, or any of Company's actual or alleged intellectual property rights ("Dispute"), that Dispute shall be resolved according to this Section.

A. Informal Effort to Resolve Disputes

If a Dispute arises, you and we agree to send a written notice to the other providing a reasonable description of the Dispute, along with a proposed resolution. Your notice to us must be sent to: support@cardfinanceadvice.com. For a period of sixty (60) days from the date of receipt of notice, Company and you will communicate to attempt to resolve the Dispute.

B. Binding Arbitration

IF WE CANNOT RESOLVE A DISPUTE INFORMALLY WITHIN SIXTY (60) DAYS, ANY AND ALL DISPUTES MUST BE RESOLVED BY FINAL AND BINDING ARBITRATION. BY AGREEING TO ARBITRATE, EACH PARTY IS GIVING UP ITS RIGHT TO GO TO COURT AND TO HAVE ANY DISPUTE HEARD BY A JUDGE OR JURY. Disputes will be resolved solely by binding arbitration administered by JAMS (Judicial Arbitration and Mediation Services, Inc.) in accordance with JAMS' then-current Streamlined Arbitration Rules and Procedures (with any in-person hearing to be held in Manatee County, Florida, or by mutual agreement via remote video). Information about JAMS and its rules can be found at www.jamsadr.com or by calling JAMS at (800) 352-5267. Company will pay all JAMS fees and arbitrator fees. You will be responsible for your own attorneys' fees if you choose representation.

C. Limited Time to File Claims

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, ANY DISPUTE MUST BE INITIATED WITHIN ONE (1) YEAR AFTER IT ARISES, OR IT WILL BE FOREVER BARRED.

D. No Class Actions

YOU AGREE THAT ANY ACTION YOU BRING SHALL BE INDIVIDUALLY ON YOUR OWN BEHALF AND THAT YOU EXPRESSLY WAIVE THE RIGHT TO BRING A DISPUTE ON A CLASS OR COLLECTIVE BASIS IN ANY FORUM, WHETHER IN ARBITRATION OR IN COURT. THE ARBITRATOR SHALL NOT HAVE THE AUTHORITY TO FORM A CLASS OR PROCEED ON A COLLECTIVE BASIS. If this class action waiver is found unenforceable, then the agreement to arbitrate in Section X(B) shall not apply and the Dispute must be brought exclusively in court pursuant to Section X(F).

E. Injunctive Relief

The foregoing provisions of this Section will not apply to any claim by you or Company seeking an injunction or other equitable relief in connection with any loss, cost, or damage relating to the Site, Content, or Company's intellectual property rights.

F. Federal and State Courts in Manatee County, Florida

Except where arbitration is required above, or with respect to small claims actions or the enforcement of any arbitration decision or award, any action or proceeding relating to any Dispute may only be instituted in state or Federal court in Manatee County, Florida. You and Company consent to the exclusive personal jurisdiction and venue of such courts.

G. Governing Law

These Terms and any Dispute will be governed by and construed in accordance with the laws of the State of Florida, excluding its choice of law rules. Any arbitration conducted under these Terms shall be governed by the Federal Arbitration Act (9 U.S.C. §§ 1–16).

H. Jury Trial Waiver

YOU EXPRESSLY AGREE TO WAIVE THE RIGHT TO HAVE ANY DISPUTE THAT YOU BRING IN STATE OR FEDERAL COURT HEARD BY A JURY.

XI. Disclaimer of Representations and Warranties

YOUR ACCESS TO AND USE OF THE SITE IS AT YOUR SOLE RISK. THE SITE IS PROVIDED ON AN "AS IS," "AS AVAILABLE," AND "WITH ALL FAULTS" BASIS. TO THE FULLEST EXTENT PERMISSIBLE BY LAW, COMPANY AND ITS SUBSIDIARIES, EMPLOYEES, DIRECTORS, MEMBERS, MANAGERS, AGENTS, VENDORS, LICENSORS, CONTRACTORS, SUCCESSORS, AND ASSIGNS (COLLECTIVELY, "COMPANY PARTIES") HEREBY DISCLAIM ALL REPRESENTATIONS, WARRANTIES, ENDORSEMENTS, AND PROMISES, EXPRESS OR IMPLIED, INCLUDING THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, TITLE, SYSTEM INTEGRATION, AND FREEDOM FROM COMPUTER VIRUS.

Company Parties make no representations, warranties, endorsements, or promises as to: (a) the Site or any Content; (b) any functions or features of the Site; (c) any products, services, or instructions offered or referenced at or linked through the Site; (d) security associated with transmission of your User Content; (e) whether the servers that make the Site available are free from harmful components; (f) whether any information on the Site is accurate, complete, correct, adequate, useful, timely, or reliable; or (g) whether the Site will be available at any particular time or location.

The financial content on this Site is provided for informational purposes only and is not a substitute for professional financial advice. Some jurisdictions limit or do not allow the disclaimer of implied or other warranties, so the above disclaimers may not apply to you to the extent such jurisdictions' laws are applicable.

Rate tables, product comparisons, and similar tools displayed on this Site are provided for reference purposes only. The output of these tools may be incomplete, out of date, or otherwise inaccurate. You agree that you will not rely on any such output without independently verifying the accuracy and current terms of any financial product directly with the provider. Nothing in these tools constitutes a binding offer or guarantee of any rate, term, or product availability.

XII. Limitations of Liability

UNDER NO CIRCUMSTANCES WILL ANY COMPANY PARTIES BE RESPONSIBLE OR LIABLE FOR ANY LOSS OR DAMAGES OF ANY KIND, INCLUDING PERSONAL INJURY, DEATH, OR FOR ANY DIRECT, INDIRECT, ECONOMIC, EXEMPLARY, SPECIAL, PUNITIVE, INCIDENTAL, OR CONSEQUENTIAL LOSSES OR DAMAGES THAT ARE DIRECTLY OR INDIRECTLY RELATED TO: (a) THE SITE OR ANY CONTENT; (b) YOUR USE OF OR INABILITY TO USE THE SITE; (c) ANY ERRORS OR OMISSIONS IN THE SITE'S TECHNICAL OPERATION; OR (d) ANY DAMAGE TO YOUR COMPUTER, HARDWARE, SOFTWARE, OR OTHER TECHNOLOGY, INCLUDING DAMAGE FROM ANY SECURITY BREACH, VIRUS, BUGS, FRAUD, ERROR, DEFECT, OR DELAY IN OPERATION. THIS APPLIES EVEN IF COMPANY PARTIES WERE ADVISED OF THE POSSIBILITY OF SUCH LOSSES.

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL COMPANY PARTIES' TOTAL LIABILITY TO YOU, FOR ALL POSSIBLE DAMAGES, LOSSES, AND CAUSES OF ACTION, EXCEED ONE HUNDRED U.S. DOLLARS ($100.00). Some jurisdictions do not allow the exclusion or limitation of incidental or consequential damages, so the above limitation or exclusion may not apply to you.

XIII. U.S. State Privacy Rights

Your privacy rights under applicable U.S. state laws, including California (CCPA/CPRA), Virginia (VCDPA), Colorado (CPA), Connecticut (CTDPA), Florida (FDBR), and other states with enacted consumer data privacy laws, are described in full in our Privacy Policy, which is expressly incorporated into these Terms by reference. To exercise any privacy right or submit a data request, please contact us at support@cardfinanceadvice.com or visit our Privacy Policy.

XIV. Indemnity

You hereby agree to defend, indemnify, and hold Company Parties harmless from and against any and all claims, damages, losses, costs, liabilities, judgments, fines, penalties, settlements, interest, and expenses (including attorneys' fees) that directly or indirectly arise from or are related to: (i) your use of the Site; (ii) your breach or alleged breach of these Terms; (iii) your violation or alleged violation of any laws or regulations; (iv) information or material transmitted through your device that infringes any intellectual property right; or (v) any misrepresentation made by you.

Company Parties retain the exclusive right to settle, compromise, and pay any and all such claims. You will not settle any such claims without the prior written consent of an officer of a Company Party.

XV. Release

In the event that you have a dispute with any third party, including any other user of the Site, arising from or in connection with the use of the Site, you hereby agree to release, remise, and forever discharge Company and its agents, directors, officers, employees, and shareholders from any and all manner of rights, complaints, claims, causes of action, liabilities, legal fees, costs, and disbursements of any nature whatsoever, whether known or unknown, arising from such dispute or your use of the Site.

If you are a California resident, you hereby waive California Civil Code Section 1542, which provides: "A general release does not extend to claims which the creditor does not know or suspect to exist in his or her favor at the time of executing the release, which, if known by him or her must have materially affected his or her settlement with the debtor." Residents of other states with similar provisions expressly waive those provisions.

XVI. General Provisions

A. Applicable Law

These Terms will be governed by and construed in accordance with the laws of the State of Florida, excluding its choice of law rules. Notwithstanding any other provision of these Terms, Company is not your agent, partner, joint venturer, attorney, or financial advisor and assumes no fiduciary obligation to you.

B. Severability

If any provision of these Terms is deemed invalid, unlawful, void, or unenforceable by a court or arbitrator of competent jurisdiction, that provision will be deemed severable from these Terms, and the invalidity of that provision will not affect the validity or enforceability of the remainder of these Terms.

C. Entire Agreement

These Terms and the Privacy Policy constitute the entire agreement between Company and you with respect to your use of the Site, and supersede all prior agreements, representations, and understandings between you and Company regarding the Site.

D. Amendments

We reserve the right to change, modify, add, or remove any portion of these Terms, in whole or in part, at any time. Changes to these Terms will be posted on the Site and will be effective immediately upon posting. Your continued use of the Site following the posting of any changes constitutes your acceptance of those changes.

E. Assignment

Company may assign its rights and obligations under these Terms, in whole or in part, to any party at any time without notice. These Terms may not be assigned by you without the prior written consent of an officer of Company.

F. Waiver

No failure or delay by either party in exercising any right, power, or remedy under these Terms will operate as a waiver of that or any other right, power, or remedy. No waiver will be effective unless in writing and signed by the party against whom it is sought to be enforced.

G. Communications

When you communicate with us electronically, you consent to receive communications from us electronically. You agree that all agreements, notices, disclosures, and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.

H. No Agency

The relationship between Company and each user is that of independent contractors. No agency, joint venture, partnership, or employment relationship is intended or created by these Terms or your use of the Site.

I. Intellectual Property, Trademarks

Our logo and product and service names are our trademarks. You agree not to display, reproduce, or otherwise use such marks without our prior written permission.

J. Investigations; Termination

Company reserves the right to investigate any suspected breaches of Site security or these Terms, cooperate with law enforcement, and discontinue the Site, suspend, or terminate your access to it, in whole or in part, at any time, without notice, for any reason.