Terms and Conditions

1. Introduction

The information listed below are terms to help guide you as a "User" to learn and explore information about CreditCardsBay, credit card and financial products information. This information is free to you as a site user. Below you can find information regarding users terms of service, contact information, and important information and content regarding our sites and adjoining pages.

If you disagree with any of the terms and conditions listed below, whether whole or in part, this should lead to a discontinuance of the usage of our services and sites ("CreditCardsBay"), namely:

• Credit Cards -- CreditCardsBay.com (United States)
• Canadian Credit Cards -- CreditCardsBay.ca (Canada)
• Credit Card Blog -- blog.CreditCardsBay.com (Credit Cards Blog)

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

2. Terms and Conditions and the Use of the Site

CreditCardsBay and its businesses provide and own all of the material presented to you on this site as a user and as a visitor. CreditCardsBay requires that all customers and visitors adhere to all terms and conditions provided on this site. By accessing and using this website, you acknowledge and accept all terms and conditions for the use of this site without qualification or limitation. CreditCardsBay can revise and update any information provided in the terms and conditions at any time and all users and visitors are bound these updated terms and conditions. It is therefore advised that you visit this posting to review the term and conditions of this site every so often you visit this website. For the purpose of the term and conditions, set forth references to CreditCardsBay also included its affiliates, employees, and directors. If you do not agree to the terms and conditions set forth, YOU MUST NOT USE CreditCardsBay

3. For Personal Use Only

This site is available for personal use only. It is not for commercial use. CreditCardsBay provides all information based on editorial content and information provided by the issuers of the credit cards represented on this site. While we believe this information to be reliable, we do not make any claims regarding the reliability, timeliness, accuracy, usefulness, or completeness of this information. The information and advice provided on this site is only provided to help you make financial decisions. However, do be advised that CreditCardsBay is not a financial planner and does not offer financial planner services. It is recommended that you seek out an accountant or financial adviser before making any final financial decisions that can help you with your financial situation. You should not depend or rely entirely on the information provided on this website. Any information you rely on provided by this site is at your own risk.

4. Third Party Links and Products

CreditCardsBay is not a financial institution and is not responsible or affiliated with any third party products represented on this site. We only provide links and other third party products to you at a convenience. We do not have any control over the content provided on any products or links representing third parties. By using any of the third party links provided on this site, you acknowledge that you are solely responsible for viewing and abiding by any policies, service agreements, and terms and conditions of any and all linked websites.

5. Privacy Policy

Any and all information provided through member registration forms are not to be used or sold to third parties. All information provided to use such as email addresses and user names are strictly used to identify members and are used for contact information when needed. Cookies used on this site are used to improve the online experience for members. Cookies are not used to retrieve any personal information.

6. Credit Cards on this Site

The credit card issuers who participate pay us when a completed application is received or after approval of an application. Occasionally, we are paid to present their offers on the site. Placement of offers provided by credit card issuers is determined by us through the card terms, card features and benefits, and popularity of the offer.

7. This Site is Not an Application

None of the information provided on this site is an offer or promise to provide a targeted credit cards or that any credit card issuer will offer or provide you with a credit card under any purposes or terms. If you choose to contact a credit card issuer on this site and submit an application through a specific lender, any information provided will stay between you and the lender. We are not responsible for any products, services, or information purchased or displayed as a result on any information or results obtained through connections with this site.

8. No Guarantees

All information provided on this site is subject to change at any time without any notice. CreditCardsBay does not guarantee the accuracy, reliability, authenticity, currency, quality, or any rates or terms posted by any credit card providers and issuers. The information provided on this site should not be seen as an advertisement for credit as stated in paragraphs 226.16 or 226.24 or as a solicitation as stated in paragraph 226.5a of Regulation Z of the Truth in Lending Act.

9. Links to External Sites

We do not guarantee your safety when you access external sites linked to our site. Users are solely responsible for conduct while visiting external sites and are subject to the site's terms and conditions. You are advised to always use cookie-enabled browsers in combination with Internet Security Applications to ensure maximum protection.

10. Governing Laws, Regulations, & Jurisdiction

Users accessing and using this site is subject to any and all applicable governing laws and regulations, including federal, state, and local laws. Unauthorized use is prohibited and can result in prosecution under both federal and state laws.

The information and products of this site are directed and only valid to individuals residing in certain countries where the financial products and services offered on this site are valid and permitted under applicable law.

11. Copyright and Trademark Rights

All information and content, including but not limited to text and images provided on this site herein and arrangement (excluding specific images licensed by third parties) are Copyrighted ® by CreditCardsBay. All rights reserved. This entire site is for personal use only. None of the contents or information on this Site may be copied, reproduced, published, modified, posted, downloaded, distributed, uploaded, or transmitted in any way without prior written permission by CreditCardsBay

12. Service Denial

CreditCardsBay reserves the right to restrict, limit, or deny any access to this site at any time without prior or later notice and any reasons for denial of service.

13. Third Party Affiliates

CreditCardsBay is not a financial, credit, or investment advisor or analyst. We do not occupy a position in which to encourage users towards specifics products, services, or decisions presented on this site. We do not favor or give preference to any services, cards, products, or finance packages. We may receive commissions and we may be compensated if CreditCardsBay site users and visitors choose to apply for cards, services and products using links in the content, and ultimately sign up for them. The reviews and information provided are written solely for best interest and does not contain prejudice. Website users are encouraged to make their own decisions based on the information provided by us and/or financial advice obtained for a financial expert or adviser.

14. Disclaimer & Liability

The CreditCardsBay site is provided on an "AS IS" basis strictly for informational purposes. We do NOT guarantee any warranties, the accuracy, or fitness on any and all content provided and presented on this website. CreditCardsBay disclaims any responsibility or involvement arising from failure of equipment, communication line failure, viruses, change of terms and conditions and privacy policy, alteration of content and material, and any modification of service that interrupts or causes issues in service.

Regardless of the event, CreditCardsBay IS NOT liable for any type of direct, indirect, special, or any other consequential damages resulting in use of any of the hyperlinked websites, website products, or services. We are not liable or responsible for without any limitation: any loss of profits, business interruptions, lost programs, or other data or information on your information handling system, even if you are or are not advised of potential damages.

15. Miscellaneous

The terms of use provided on this site represent and constitute an entire agreement between parties with a respect toward the subject matter, whether written or oral. The section titles in this agreement are for convenience purposes only and have no legal effect. Failure of CreditCardsBay to exercise or enforce any right does not constitute a waiver of right or provision. All the terms provided are in full force and effect.

16. Contact

If you have any questions about the terms and conditions of use regarding CreditCardsBay or any other information or content provided on this site, please feel free to contact us.