Terms of Service

1. Acceptance of Terms

These Terms of Service ("Terms") govern your use of the Credit Card Pathway website and services. By accessing or using our website, you agree to be bound by these Terms. If you disagree with any part of these terms, then you may not access the service.

2. Description of Service

Credit Card Pathway provides:

• Credit card comparison and recommendation services
• Educational content about credit and financial products
• Tools and calculators for credit assessment
• Links to third-party credit card applications
• Newsletter and communication services

3. User Responsibilities

As a user of our service, you agree to:

• Provide accurate and truthful information
• Use the service only for lawful purposes
• Not attempt to gain unauthorized access to our systems
• Not interfere with or disrupt the service
• Not use automated systems to access our content
• Respect intellectual property rights
• Comply with all applicable laws and regulations

4. Information Accuracy and Disclaimers

Information Accuracy

While we strive to provide accurate and up-to-date information about credit cards and financial products, we cannot guarantee the accuracy, completeness, or timeliness of all information. Credit card terms, rates, and offers change frequently.

No Financial Advice

The information provided on our website is for educational and comparison purposes only. It does not constitute financial, legal, or professional advice. You should consult with qualified professionals before making financial decisions.

Third-Party Products

We are not responsible for the products, services, or practices of third-party credit card issuers. Your relationship with credit card companies is governed by their terms and conditions.

5. Affiliate Relationships and Compensation

Credit Card Pathway may receive compensation from credit card issuers when users apply for or are approved for credit cards through our links. This compensation may include:

• Referral fees for successful applications
• Commission payments for approved accounts
• Marketing partnerships with financial institutions

This compensation does not affect our editorial independence or the accuracy of our reviews and recommendations.

6. Intellectual Property Rights

The content, design, and functionality of Credit Card Pathway are protected by intellectual property laws. This includes:

• Website design and layout
• Written content and articles
• Logos, trademarks, and branding
• Software and algorithms
• Database compilation and organization

You may not reproduce, distribute, or create derivative works without our express written permission.

7. Privacy and Data Protection

Your privacy is important to us. Our collection and use of personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference. By using our service, you consent to the collection and use of your information as described in our Privacy Policy.

8. Limitation of Liability

To the fullest extent permitted by law, Credit Card Pathway shall not be liable for:

• Any indirect, incidental, special, or consequential damages
• Loss of profits, data, or business opportunities
• Damages resulting from third-party products or services
• Errors or omissions in content or information
• Unauthorized access to or alteration of your data
• Service interruptions or technical failures

Our total liability shall not exceed the amount you paid to us, if any, for accessing our services.

9. Indemnification

You agree to indemnify and hold harmless Credit Card Pathway, its officers, directors, employees, and agents from any claims, damages, losses, or expenses arising from your use of our service, violation of these Terms, or infringement of any rights of another party.

10. Service Availability

We strive to maintain continuous service availability but cannot guarantee uninterrupted access. We reserve the right to modify, suspend, or discontinue any part of our service at any time without notice. We are not liable for any service interruptions or modifications.

11. User-Generated Content

If you submit content to our website (reviews, comments, feedback), you grant us a non-exclusive, royalty-free license to use, modify, and display such content. You represent that:

• You own or have rights to the content
• The content does not violate any laws or rights
• The content is accurate and not misleading
• You will not submit spam or inappropriate content

12. Prohibited Uses

You may not use our service for:

• Illegal or fraudulent activities
• Spamming or unsolicited communications
• Distributing malware or harmful code
• Impersonating others or providing false information
• Scraping or automated data collection
• Interfering with website security or functionality
• Violating intellectual property rights

13. Termination

We may terminate or suspend your access to our service immediately, without prior notice, for any reason, including breach of these Terms. Upon termination, your right to use the service ceases immediately. All provisions that should survive termination shall survive, including ownership provisions, warranty disclaimers, and limitations of liability.

14. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of the jurisdiction where Credit Card Pathway operates, without regard to conflict of law principles. Any disputes arising from these Terms or your use of our service shall be resolved in the courts of that jurisdiction.

15. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify users of material changes by posting the updated Terms on our website and updating the "Last updated" date. Your continued use of the service after changes constitutes acceptance of the new Terms.

16. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary so that these Terms shall otherwise remain in full force and effect.

17. Contact Information

If you have any questions about these Terms of Service, please contact us:

18. Entire Agreement

These Terms of Service, together with our Privacy Policy, constitute the entire agreement between you and Credit Card Pathway regarding your use of our service and supersede all prior agreements and understandings.