By utilizing or accessing our Services, you agree to be bound by the terms and conditions set forth in these Terms of Use (the “Agreement”) as well as our Privacy Policy (the “Privacy & Cookie Policy”). The terms “we,” “us,” or “our” refer to CreditRiot.com, and its affiliates. The term “Services” collectively refers to various websites, applications, widgets, notifications, and other media, or portions of such media, through which you have accessed this Agreement.
This Agreement includes a binding arbitration provision that mandates both you and us to resolve certain disputes through binding individual arbitration and to forego any right to have those disputes decided by a judge or a jury. Please refer to the Legal Disputes section of this Agreement for additional information.
Updated on: April, 1st, 2023
Your Compliance With This Agreement
You acknowledge and agree that this Agreement is backed by reasonable consideration, the receipt and adequacy of which are hereby recognized. Such consideration includes, without limitation, your ability to visit, use, submit and/or receive information to or from our website, app, apps, email, or social media platforms.
You represent that you have the legal capacity to be bound by this Agreement. If you are acting on behalf of a company or another legal entity, that you represent that you possess the requisite authority to enter into this Agreement on behalf of such entity.
For the purpose of verifying your compliance with this Agreement, we reserve the right to monitor your access and use of our services in accordance with our online Privacy & Cookie Policy.
Who We Are Not
We are not, nor do we operate as a financial institution, bank, lender, credit card company, credit union, or as a financial advisor. Therefore, we do not provide any form of financial services. It is important to note that any person, company or entity offering financial services in our name is doing so without our consent or knowledge. As such, we bear no responsibility for any losses or damages that may result from such unauthorized actions.
Our Services Are Not For Minors
Our Services are exclusively intended to be accessed and utilized by individuals who have reached the age of adulthood. Accordingly, you are strictly prohibited from providing us with any information regarding any individual who is under the age of thirteen (13) years old.
Your Use of Our Services
Your right to access and utilize our Services is personal to you and non-transferable by you to any other person or entity. You are solely entitled to access and utilize our Services for lawful purposes and subject to the terms and conditions of this Agreement and the Privacy & Cookie Policy.
Your access and use of our Services may be periodically interrupted for various reasons, including, without limitation, equipment malfunctions, routine maintenance or repair of our Services, or other actions that we, in our sole discretion, may elect to undertake. We reserve the right to temporarily or permanently suspend or terminate the availability of our Services and/or any portion or feature of our Services at any time in our sole discretion and without prior notice.
Any action by you that, in our sole discretion: (a) violates the terms and conditions of this Agreement and/or the Privacy Policy; (b) restricts, inhibits, or prevents any access, use, or enjoyment of our Services; or (c) through the use of our Services including social media: defames, abuses, harasses, offends or threatens, shall not be permitted, and may result in the loss of your right to access and use our Services. You shall not modify, scrape, embed, or frame our Services without our prior written consent.
3rd Party Products & Services
It is your sole responsibility to make intelligent financial decisions. Our affiliates may facilitate access to information and connect you with third-party Service Providers, such as credit card providers, mortgage brokers, insurance agents, financial institutions, discount program representatives, and other financial professionals. We do not verify the quality, performance, outcome, effectiveness, reliability, promises, quotes, prices, fees, or security of any Service Provider’s products or services beyond their stated purpose and shall not be construed as your or any Service Provider’s agent or advisor. We do not investigate or validate the qualifications, licenses, or certifications of all or any Service Providers. It is your obligation to conduct your own due diligence regarding Service Providers. By availing yourself of a Service Provider’s products or services, you expressly acknowledge and agree that such Service Provider is exclusively responsible for rendering any services to you and that we assume no liability for any losses, costs, damages, or claims arising from, related to, or in connection with the use of a Service Provider’s products or services. We strongly urge you to obtain sound advice from qualified professionals, such as insurance agents, brokers, financial advisors, or other professionals familiar with your unique circumstances, before making any financial decisions. You acknowledge and agree that you shall be solely responsible for your decision-making, and that you rely solely on your own judgment and that of such advisors in selecting any products or services offered by any Service Providers you found through this website.
Please be advised that we are not a Service Provider, a lending institution, a credit card company, or an insurance provider. We simply facilitate your connection with service providers that may suit your needs based on the information you provide or the information that you searched for. It is to be noted that we do not, and will not, make any decisions with regard to coverage, credit or terms in conjunction with any Service Provider recommended to you. We do not engage in the issuance of mortgages, credit, credit cards, insurance policies, or any other financial products.
While we do not mandate the use of a password for accessing our website or its features, certain websites or apps that we provide links to or endorse might mandate such security measures. It is incumbent upon you to ensure the confidentiality of your login credentials, and we shall not be held liable for any unauthorized access or legal ramifications arising from the loss or compromise of your password for those third party websites or apps.
Our website contains links or access to other websites or media owned by our advertisers, business partners, affiliates, affiliate-providers, service providers, and other third parties. It is to be noted that such links and access to these services, offers, or products do not serve as our endorsement of those third parties or their products or services. We are not liable for the actions or policies of those third parties, and we do not examine or evaluate all or any third-party products or services. Additionally, we do not guarantee that any particular advertiser, business partner, affiliate, service provider, or other third party websites or apps offers the best terms, products, services, or lowest rates in the market. You are required to do your own research before doing business or sharing personal information with any of these websites, businesses, products, or services.
References to Best, Free, and Those Similar
The word “Free” which is often found on our website, is referring to the fact that it is significantly cheaper than retail price, so much so, that the total is often or sometimes zero, before adding taxes or fees. However, this is not always the case. By using our site, it is understood by you that “Free” does not necessarily mean zero cost, or no fees.
The free offers mentioned on our website often come with unstated taxes, fees, subscription costs, membership fees, etc. By using our website, it is presumed you have read our Terms of Use in its entirety, and you understand that the word “Free” does not always mean free, and the offers which appear on our website may still cost you something. And that we are not responsible in any way for that fee, tax, subscription cost, duty, or anything similar in nature.
Public Forums & Social Media
Our Services provide a venue, through various mediums such as blogs, messaging, chat rooms, bulletin boards, and other forums (hereinafter referred to as the “Forums”), that enables users to contribute information and make statements (collectively referred to as “User Generated Content”). Neither we nor our advertisers are involved in the actual transmission of User Generated Content in the Forums. Accordingly, neither we nor our advertisers endorse or approve any User Generated Content in the Forums. It is your responsibility to acknowledge and agree that neither we nor our advertisers possess control over the quality, correctness, timeliness, safety, truth, accuracy, or legality of any User Generated Content submitted by you or any other person/entity in the Forums. You may encounter User Generated Content posted in the Forums by other users that could be deemed offensive, harmful, inaccurate, or deceptive. As a prudent measure, please exercise caution and common sense, and do not solely rely on User Generated Content published in the Forums. We and our advertisers assume no responsibility for ensuring that any or all posts and questions submitted to the Forums are answered. Notwithstanding the foregoing, and although we do not undertake to regularly review User Generated Content submitted in the Forums, we reserve the right (but not the obligation) to remove or edit any User Generated Content in the Forums, for any reason or no reason, in our sole discretion.
Electronic Communications Consent
When sending email to us or messages through Social Media or Forums, you are deemed to have communicated with us electronically. By doing so, you expressly consent to receive communications from us electronically. Although we reserve the option to communicate with you by regular mail, we may also choose to do so by email or by posting notices to you on our Services or third-party services we believe may interest you. You acknowledge and agree that all agreements, notices, disclosures and other communications that we provide to you electronically meet any legal requirement that such communications be in writing.
Prohibited Conduct Related to Access and Interference
As a user of our Services, you acknowledge and agree to refrain from employing any robot, spider, scraper, deep link, or other analogous automated data gathering or extraction tools, program, algorithm or methodology for accessing, acquiring, copying, or monitoring any part or entirety of our Services, unless granted prior written permission from us. Additionally, you shall not: (1) undertake any action that may, at our sole discretion, cause an unreasonable or disproportionate load on our infrastructure; (2) copy, reproduce, modify, create derivative works, distribute or publicly display any content from our Services, except for your personal information, without obtaining our prior written consent and the consent of the applicable third party; (3) interfere or attempt to interfere with the proper functioning of our Services or any activities carried out on our Services; or (4) bypass any robot exclusion headers or other measures that we may use to prevent or restrict access to our Services. We allow the operators of public search engines to use spiders to copy material from our Services solely for the purpose of creating publicly available search indices of the material on our Services, but not caches or archives of such material. However, we reserve the right to withdraw these permissions, either generally or in specific cases. Except as expressly permitted in this Agreement, you shall not collect or harvest any personally identifiable information, including account names, from our Services. Furthermore, you shall not use any communication systems provided on our Services (such as Forums or email) for any commercial or solicitation purposes. You shall not solicit any users of our Services for commercial purposes without obtaining our prior written consent.
Disclaimer of Representations and Warranties Regarding Content
The content, services, and products provided by our Services are given to you on an “as-is” and “as available” basis. We do not make any representations or warranties of any kind, express or implied, as to the operation of our Services or the information, content, materials, products, or services included on or associated with our Services. Therefore, you expressly agree that your use of our Services and all products and services included on or associated with our Services is solely at your own risk.
We hereby disclaim, in no uncertain terms, any representations, warranties, or guarantees, express or implied, regarding the accuracy, correctness, or completeness of the content or the services and products associated with our Services, or the safety, reliability, title, timeliness, completeness, merchantability, conformity, or fitness for a particular purpose of the content or the services and products associated with our Services. It is your sole responsibility to independently evaluate the accuracy, correctness, or completeness of the content and the services and products associated with our Services. We also do not make any representation, warranty, or guarantee that the content available for downloading from our Services is free of infection from any viruses, worms, Trojan horses, trapdoors, backdoors, Easter eggs, time bombs, cancelbots or other code or computer programming routines that contain contaminating or destructive properties or that are intended to damage, detrimentally interfere with, surreptitiously intercept, or expropriate any system, data, or personal information. Additionally, we do not make any representations, warranties, or guarantees, express or implied, regarding any quotes or offers provided on or through our Services or any third parties linked to on our website.
It is important to note that we are not a financial institution, insurance provider, credit card provider, or other service provider. We solely serve as an intermediary between you and such service providers, and therefore, we expressly disclaim any and all liability for any content, products, or services provided by such service providers.
Furthermore, the content provided by our Services is intended only to assist you with financial decisions and is broad in scope and does not consider your personal financial situation. Your personal financial situation is unique, and the information and advice provided may not be appropriate for your situation. Therefore, we recommend that you obtain additional information and advice from your accountant and other financial advisors who are fully aware of your individual circumstances before making any final decisions or implementing any financial strategy.
Lastly, we offer our Services from our facilities in the United States of America, and we make no representations that our Services are appropriate or available for use in other jurisdictions. If you access or use our Services from other jurisdictions, then you do so by your own volition and are solely responsible for compliance with local law.
Limitations On Our Liability
We must make clear that neither our company nor any of our affiliates, directors, officers, employees, or shareholders shall be held responsible or liable to you, or any third party, whether in contract, warranty, tort (including negligence) or otherwise, for any damages, including but not limited to special, incidental, indirect, or consequential damages resulting from a breach of contract, tortious behavior, negligence, strict liability, or any other legal theory, arising from the following: (1) your breach or violation of the terms and conditions of this agreement; (2) your access and use of our services; (3) your delay in accessing or inability to access or use our services for any reason; (4) your downloading of any of the content or the collective work for your use; (5) your reliance upon or use of the content or the collective work, or (6) any information, software, products or services obtained through our services or otherwise arising out of the use of our services. This includes damages resulting from any loss of profit, revenue or business, even if we and/or our suppliers had been advised of the possibility of damages. Our liability and the liability of our affiliates, directors, officers, employees, independent contractors, shareholders, representatives, and agents arising out of this agreement shall not exceed $100.
You acknowledge and agree that we shall not be liable for user-generated content or the defamatory, offensive, or illegal conduct of any third party, and that the risk of harm or damage from such user-generated content and third-party conduct rests entirely with you.
You and our company agree that any cause of action arising out of or related to our services must commence within one (1) year after the cause of action accrues. Otherwise, such cause of action is permanently barred.
Please be advised that certain state laws do not allow limitations on implied warranties or the exclusion or limitation of certain damages. If these laws apply to you, some or all of the above disclaimers, exclusions, or limitations may not apply to you.
