Terms & Conditions

1. Acceptance of Terms

By accessing or using creditminds.com (the "Site"), you agree to be bound by these Terms & Conditions and our Privacy Policy. If you do not agree, please do not use the Site.

2. Informational Purpose Only

The content on CreditMinds — including card reviews, comparisons, guides, and editorial recommendations — is provided for general informational purposes only. It does not constitute financial, legal, or professional advice and should not be relied upon as such.

Credit card terms, rates, fees, and availability change frequently. Always verify current terms directly with the card issuer before applying. Your individual financial circumstances will affect which card is appropriate for you.

3. Advertiser Relationships

CreditMinds may receive compensation from credit card issuers and financial institutions when visitors apply for products through links on the Site. This compensation may influence which products are featured or the order in which they appear, but does not affect our editorial ratings or recommendations. See our Advertiser Disclosure for full details.

4. Intellectual Property

All content on the Site — including text, graphics, logos, and editorial copy — is the property of CreditMinds or its content suppliers and is protected by applicable copyright and intellectual property laws. You may not reproduce, distribute, or create derivative works without our express written permission.

5. Prohibited Use

You agree not to:

• Use the Site for any unlawful purpose
• Scrape, crawl, or systematically download Site content without permission
• Attempt to gain unauthorised access to any part of the Site
• Interfere with or disrupt the Site's infrastructure
• Post or transmit any harmful, offensive, or misleading content

6. Third-Party Links

The Site contains links to external websites, including credit card issuer pages and partner sites. These links are provided for convenience only. CreditMinds has no control over and assumes no responsibility for the content, privacy policies, or practices of any third-party sites.

7. Disclaimers and Limitation of Liability

The Site is provided on an "as is" and "as available" basis without warranties of any kind, express or implied. CreditMinds does not warrant that the Site will be uninterrupted, error-free, or free of viruses or other harmful components.

To the fullest extent permitted by law, CreditMinds shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of, or inability to use, the Site or its content.

8. Changes to These Terms

We reserve the right to modify these Terms at any time. The "Last updated" date at the top of this page reflects the most recent revision. Continued use of the Site after changes are posted constitutes your acceptance of the revised Terms.

9. Governing Law

These Terms are governed by and construed in accordance with the laws of the United States. Any disputes arising from or relating to these Terms shall be subject to the exclusive jurisdiction of the courts located in the United States.

10. Contact Us

If you have questions about these Terms, please contact us at hello@creditminds.com.