Terms of Service

1. Acceptance of Terms

Welcome to CardXRay. These Terms of Service ("Terms") govern your use of the CardXRay website, mobile application, and related services (collectively, the "Service") operated by CardXRay ("we," "us," or "our").

By accessing or using our Service, 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

CardXRay is a credit card comparison platform that provides information about credit cards, including features, fees, rewards, and benefits. Our Service includes:

• Credit card comparison tools
• Educational resources about credit cards
• Search and filter functionality
• User reviews and ratings
• Financial calculators and tools

3. User Accounts

While some features of our Service are available without registration, certain features may require you to create an account. When you create an account:

• You must provide accurate and complete information
• You are responsible for maintaining the security of your account
• You must notify us immediately of any unauthorized use
• You are responsible for all activities that occur under your account

4. User Conduct

You agree not to use the Service to:

• Violate any applicable laws or regulations
• Transmit any harmful, offensive, or inappropriate content
• Impersonate any person or entity
• Interfere with or disrupt the Service
• Attempt to gain unauthorized access to our systems
• Use automated systems to access the Service without permission
• Collect or harvest information from other users

5. Information Accuracy

We strive to provide accurate and up-to-date information about credit cards. However:

• Information may change without notice
• We do not guarantee the accuracy, completeness, or timeliness of information
• You should verify information directly with financial institutions
• We are not responsible for errors or omissions in the information provided

6. Third-Party Links and Services

Our Service may contain links to third-party websites or services. We are not responsible for the content, privacy practices, or terms of use of these third-party services. Your use of third-party services is governed by their respective terms and conditions.

7. Intellectual Property

The Service and its original content, features, and functionality are owned by CardXRay and are protected by copyright, trademark, and other intellectual property laws.

You may not copy, modify, distribute, sell, or lease any part of our Service without our prior written consent.

8. Privacy Policy

Your privacy is important to us. Please review our Privacy Policy, which also governs your use of the Service, to understand our practices regarding the collection and use of your personal information.

9. Disclaimers

The Service is provided "as is" and "as available" without warranties of any kind. We disclaim all warranties, express or implied, including but not limited to:

• Warranties of merchantability and fitness for a particular purpose
• Warranties regarding the accuracy or completeness of information
• Warranties that the Service will be uninterrupted or error-free

10. Limitation of Liability

To the fullest extent permitted by law, CardXRay shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or use, arising out of your use of the Service.

11. Indemnification

You agree to indemnify and hold harmless CardXRay from any claims, damages, losses, or expenses arising out of your use of the Service or violation of these Terms.

12. Termination

We may terminate or suspend your access to the Service immediately, without prior notice, if you breach these Terms. Upon termination, your right to use the Service will cease immediately.

13. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify users of significant changes by posting the updated Terms on our website. Your continued use of the Service after changes constitutes acceptance of the new Terms.

14. Governing Law

These Terms shall be governed by and construed in accordance with the laws of [Jurisdiction], without regard to its conflict of law provisions. Any disputes shall be resolved in the courts of [Jurisdiction].

15. Contact Information

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

16. Severability

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