CreditCardsCo Terms and Conditions Statement

1. Introduction

CreditCardsCo is an all-in-one destination for consumers seeking a credit card in line with their finance goals. Our service comes at no extra cost to you (our visitor).

Below are terms to guide your "Users" use of service, content and information made available on the CreditCardsCo sites and its adjoining pages. Disagreement of portions or whole of this agreement should lead to discontinuance of use of service provided on CreditCardsCo ('the sites'), namely:

Credit Cards -- CreditCardsCo.com (United States)
United Kingdom Credit Cards -- CreditCardsCo.co.uk (United Kingdom)
Canadian Credit Cards -- CreditCardsCo.ca (Canada)
Australian Credit Cards -- CreditCardsCo-Australia.com (Australia)
Credit Cards Forum -- Forum.CreditCardsCo.com
Credit Cards Blog -- Blog.CreditCardsCo.com

Information found on these sites is suited for users above 18 years only.

2. Privacy Policy

Information retrieved via member registration forms are not to be circulated or sold to any third party. Personal information consisting e-mail addresses and user names are used to identify individual members on the forum and in the event we need to contact an individual on related purposes. Cookies are used to bring about an improved online experience to members. We do not retrieve personal information using cookies.

3. Change of Terms & Modification of Service

3.1 CreditCardsCo may change, modify or update this agreement without prior notice. With discretion reserved, we will choose to announce such changes either on the CreditCardsCo homepage or its adjacent pages or on Forum or Blog based on how impacting such modifications are to you our users.

3.2. In event of the site gets bought over, sold, or experience change, we reserve the right to modify service offered including making a total change to service already available. We are not liable to compensate users for any discomfort and damages that arise from relied use of our service.

4. Change of Content

4.1 CreditCardsCo reserves the right to change, improve, update, delete, or edit content made available on the Web site including but not limited to information regarding reviewed credit cards, and other described products and services without notice.

4.2 CreditCardsCo claims no responsibility for outdated, improper or out rightly wrong information attached to described products and services. We advise users cross-check information gathered here with the official credit card issuer or financial institution website.

5. Links to External Sites

5.1 We do not guarantee your safety while on external sites linking from ours. We do not guarantee freedom from errors in content and service, or non-existence of viruses, mail ware, spy ware, root kits or other potentially dangerous pieces of computer code.

5.2 Users are solely responsible for conduct and how they make use of service, content made available on external sites.

5.3 Always are advised to use cookie-enabled browsers and Internet Security Apps to ensure maximum protection online.

6. Member Agreement, Registration & Rules

6.1 The Member Agreement is a binding agreement between you (member) and CreditCardsCo Sites.

6.2 CreditCardsCo requires users to register in order to acquire posting privilege on the forum. A registration form is represented with specific data fields to be compulsorily filed. Users not comfortable filling out these fields are not likely to have access to our members' section and its' privileges attached. Submitting the registration thus attaining member status implies you agree to be bound by CreditCardsCo member rules, and every applicable portions of this agreement. We reserve the right to deny, cease or decline a registration attempt request for a reason best known.

6.3 As Member, you may not post content (reviews, messages, images, and general information) mismatching rules set out below:

• That is harmful, intimidating, threatening, abusive, provoking, misleading, or libelous, to minors, or any group of individuals on basis of religion, gender, sexual orientation, ethnicity, age, disability, or race.
• Containing deceptive or misleading content, or information.
• That infringes on third party copyright, trademarks, company secrets, patents or other information considered as legally owned by such third party.
• That contains or links to spyware, mal ware, worms, Trojans or any computer code designed to illegally inhibit, restrict, deprive of, or break down computer systems, electronics, or telecommunications equipment.
• By using automated means either through spiders, crawlers, or other data mining and automated posting tools without the written consent of the site.
• That impersonates a third party or misleads its readers towards believing you are in affiliation with a third party, person, business or organizational entity.
• With the aim of preventing another user access to service provided on the site.
• Revealing confidential, personal or secure data without prior consent or misleading contact information.
• Hack or gain unauthorized access to servers hosting the site for whatever purpose intended.

6.4 Other Rules.
As User and Member on the forum and blog made available on CreditCardsCo, you agree not to:

• Use the forum or blog for sake of advertising a product or service.
• Create more than one member account per person.

6.5 CreditCardsCo reserves administrative rights to all content submitted/posted on its forum and blog. We may delete, edit, alter, or modify member posted content without notice and liability to its poster or reader.

6.6 Users/Members must be U.S., Canada or U.K. residents over 18years of age.

7. Member Comment/Content

7.1 We reserve rights to use users comments posted at the CreditCardsCo forum and blog.

7.2 Product and service reviews or evaluations posted are solely as a result of the users' personal opinion. Content posted by users are not to be taken as an official or unofficial stance of CreditCardsCo, or any of its staff, owners and users.

7.3 We plan to keep track of most posted content checking for inappropriate content as dictated by our Member Rules contained in section (6) of this agreement.

8. Denial of Service

We reserve rights to deny or restrict user access to all or portions of the site thereof without prior or later notice on reason(s) for denial.

9. Third Party Affiliates

CreditCardsCo are not credit, finance, investment, advisors/analysts and do not occupy a position to offer advice inclined to encourage user opinion towards specific products or services described on the site. We do not give preference over groups of credit cards, finance packages over others and we may receive commissions for applications made by website visitors. Reviews and information supplied are written to the best interest with no prejudice whatsoever. Users on the site are advised to make their own finance decisions based on information supplied by us on their own or preferably on the advice of a qualified finance experts or credit advisor.

10. Disclaimer

10 .1 CreditCardsCo sites are provided on "AS IS" basis for informational purposes only. WE DO NOT GUARANTEE WARRANTIES, ACCURACY, FITNESS FOR PURPOSE OF CONTENT FOUND ON ALL OR PORTIONS OF THE SITE. CreditCardsCo disclaims all forms of responsibility arising out of failure of technical equipment, computer virus, communication line failure, alteration of content, change of terms & privacy policy, modification of service causing interrupts or problematic experiences in service.

10.2 IN NO EVENT WILL CREDITCARDSCO BE LIABLE TO ANY DEGREE FOR ANY DIRECT, INDIRECT, SPECIAL OR OTHER CONSEQUENTIAL DAMAGES FOR ANY USE OF ANY HYPERLINKED WEB SITE PRODUCT OR SERVICE, INCLUDING, WITHOUT LIMITATION, ANY LOST PROFITS, BUSINESS INTERRUPTION, LOSS OF PROGRAMS OR OTHER DATA ON YOUR INFORMATION HANDLING SYSTEM OR OTHERWISE, EVEN IF WE ARE EXPRESSLY ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

11. Copyright

11.1 All content including but not limited to page design and feel, written credit card reviews, articles, forum and blog posts and other forms of graphic designs are exclusively owned and copyright except where stated otherwise. Written Content, materials on the site may not be reproduced for personal or commercial use without prior written permission of CreditCardsCo.

11.2 CreditCardsCo reserves the right to pursue unauthorized use of copyrighted content or materials. If you violate our intellectual property you may be liable for: actual damages, loss of income, and profits you derive from the use of copyrighted articles, review, content, images or design, and, where appropriate, the costs of collection and/or statutory damages up to $150,000 (USD).

11.3 Third party logos, trade marks, service marks appearing on the site are owned by their respective owners.

12. Contact

For questions or comments concerning this agreement, please Contact Us.