Terms of Service
Last updated: January 15, 2025
Please read these terms carefully before using CreditCard.Forum
Important Legal Agreement
By accessing or using CreditCard.Forum, you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our services.
These Terms of Service ("Terms") govern your use of the CreditCard.Forum website and services (collectively, the "Service") operated by CreditCard.Forum ("we," "us," or "our").
By accessing or using our Service, you agree to be bound by these Terms. These Terms apply to all visitors, users, and others who access or use the Service.
We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting. Your continued use of the Service constitutes acceptance of the modified Terms.
CreditCard.Forum provides:
- • A community forum for discussing credit cards, credit scores, and personal finance
- • Credit card reviews, comparisons, and educational content
- • Financial calculators and tools
- • News and updates about the credit card industry
- • User-generated content and community discussions
Educational Purpose: Our content is for educational and informational purposes only. We do not provide personalized financial advice. Always consult with qualified financial professionals for advice specific to your situation.
Account Creation
- • You may create an account to access certain features
- • You must provide accurate and complete information
- • You are responsible for maintaining account security
- • One person may not maintain multiple accounts
Account Responsibilities
- • Keep your login credentials secure and confidential
- • Notify us immediately of any unauthorized account access
- • You are responsible for all activities under your account
- • Update your information to keep it current and accurate
Account Termination
You may delete your account at any time. We may suspend or terminate accounts that violate these Terms or for other reasons at our discretion, with or without notice.
To maintain a positive community environment, users must follow these guidelines:
Encouraged Behavior
- • Share accurate information and personal experiences
- • Be respectful and constructive in discussions
- • Help other community members with questions
- • Use appropriate categories and tags for posts
- • Fact-check information before sharing
Prohibited Behavior
- • Posting false, misleading, or fraudulent information
- • Harassment, bullying, or personal attacks
- • Spam, excessive self-promotion, or referral link abuse
- • Sharing personal financial information (SSN, account numbers, etc.)
- • Encouraging illegal activities or fraud
- • Impersonating others or creating fake accounts
- • Posting copyrighted content without permission
- • Using offensive, discriminatory, or inappropriate language
Enforcement: Violations may result in content removal, account suspension, or permanent bans. We reserve the right to take action at our discretion to maintain community standards.
Your Content
- • You retain ownership of content you post
- • You grant us a license to use, display, and distribute your content
- • You are responsible for ensuring you have rights to post content
- • You represent that your content does not violate others' rights
Our Content
- • Our original content is protected by copyright and other laws
- • You may not reproduce our content without permission
- • Trademarks and logos are our property or used with permission
- • Fair use for educational or commentary purposes may be permitted
DMCA and Copyright
We respect intellectual property rights. If you believe content infringes your copyright, please contact us with a DMCA notice at legal@creditcard.forum.
Financial Information Disclaimer
Not Financial Advice: Information on CreditCard.Forum is for educational purposes only and should not be considered personalized financial advice. Credit card terms, rates, and offers change frequently. Always verify current information directly with card issuers before making decisions.
Service Availability
- • We strive for 99.9% uptime but cannot guarantee uninterrupted service
- • Maintenance, updates, or technical issues may cause temporary outages
- • We are not liable for losses due to service interruptions
- • Third-party services may affect our service availability
User-Generated Content
- • We do not endorse or verify user-posted information
- • Users are responsible for the accuracy of their posts
- • We may remove content but are not obligated to monitor all posts
- • Rely on user content at your own risk
IMPORTANT LEGAL NOTICE
TO THE MAXIMUM EXTENT PERMITTED BY LAW, CREDITCARD.FORUM SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, USE, OR OTHER INTANGIBLE LOSSES.
Scope of Limitation
- • Financial decisions made based on information from our site
- • Credit score changes or credit application outcomes
- • Technical issues, data loss, or service interruptions
- • Actions of other users or third parties
- • Inaccurate or outdated information
Maximum Liability
In no event shall our total liability exceed the amount you paid us in the 12 months preceding the claim, or $100, whichever is greater.
Your privacy is important to us. Our collection, use, and protection of your 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 information as described in our Privacy Policy.
Data Security: While we implement security measures to protect your information, no system is completely secure. Use strong passwords and be cautious about sharing personal information.
Termination by You
You may stop using our Service at any time. If you have an account, you may delete it through your account settings or by contacting us.
Termination by Us
We may terminate or suspend your access to our Service immediately, without prior notice, for:
- • Violation of these Terms
- • Fraudulent, abusive, or illegal activity
- • Extended periods of inactivity
- • Technical or security reasons
- • At our discretion for any reason
Effect of Termination
Upon termination, your right to use the Service ceases immediately. Provisions that should survive termination (such as liability limitations and dispute resolution) will remain in effect.
Governing Law
These Terms are governed by the laws of the State of New York, without regard to conflict of law principles. Any disputes will be resolved in the courts of New York County, New York.
Dispute Resolution
Before filing any legal action, we encourage you to contact us to resolve disputes informally:
- • Email us at legal@creditcard.forum with details of your concern
- • We will attempt to resolve the issue within 30 days
- • If informal resolution fails, disputes may proceed to formal legal action
Class Action Waiver
You agree that any disputes will be resolved individually, not as part of a class action or collective proceeding.
Entire Agreement
These Terms, together with our Privacy Policy, constitute the entire agreement between you and CreditCard.Forum regarding the use of our Service.
Severability
If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force and effect.
Waiver
Our failure to enforce any provision of these Terms does not constitute a waiver of that provision or any other provision.
Assignment
We may assign these Terms or any rights hereunder without your consent. You may not assign these Terms without our written consent.
If you have questions about these Terms of Service, please contact us:
Email: legal@creditcard.forum
Mail: Legal Department, CreditCard.Forum, 123 Financial District, New York, NY 10004
Phone: 1-800-CREDIT-1 (1-800-273-3481)
We will respond to legal inquiries within 5 business days.