CreditCardWatcher.com requires that all visitors to the Site adhere to the following Terms and Conditions. By accessing the Site and any of its pages, you indicate your acknowledgement and acceptance of the Terms and Conditions set forth below without limitation or qualification. CreditCardWatcher.com may revise these Terms and Conditions at any time by updating this page. These revisions will be binding upon all visitors to the Site. You should therefore visit this page to review these Terms and Conditions from time to time as you visit the Site.

User access to and use of the Site is subject to all applicable federal, state and local laws and regulations. Unauthorized use of this system is prohibited and violators can be prosecuted under federal and state laws. California law and Federal law will govern the interpretation and enforcement of these Terms and Conditions.

The information contained at the Site, including but not limited to text and images herein (other than certain images licensed from third parties) and their arrangement, are copyright 2006-2007 by CreditCardWatcher.com. All rights reserved. This Web site and its entire contents are for personal use only and may not be copied, reproduced, modified, published, uploaded, downloaded, posted, transmitted or distributed in any way, without CreditCardWatcher.com’s prior written permission.

Disclaimer and Limitation on Liability
BY USING THIS WEB SITE, YOU ASSUME ALL RESPONSIBILITY AND RISK FOR THE USE OF THIS WEB SITE AND THE INTERNET GENERALLY. THE INFORMATION IS PROVIDED “AS IS,” WITHOUT ANY EXPRESS OR IMPLIED WARRANTY OF ANY KIND. IN NO EVENT SHALL CREDITCARDWATCHER.COM BE LIABLE FOR ANY DAMAGES WHATSOEVER (INCLUDING WITHOUT LIMITATION ANY SPECIAL, INDIRECT, OR CONSEQUENTIAL DAMAGES, AND DAMAGES RESULTING FROM LOSS OF USE, DATA, OR PROFITS, OR BUSINESS INTERRUPTION) ARISING OUT OF THE USE OF OR INABILITY TO USE THE MATERIALS OR ANY HYPERLINKED WEB SITE, EVEN IF CREDITCARDWATCHER.COM HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

This Web site is intended to assist readers by providing financial data, resources and editorial information on financial products. CreditCardWatcher.com will not be responsible for any errors or omissions in the Materials or information provided on this Web site, any articles or postings for hyperlinks embedded in messages, nor for any loss or damage caused by your reliance on information obtained on this Web site or in a hyperlinked site.

While CreditCardWatcher.com believes the financial information and advice it provides to be reliable, we make no claims or representations about the accuracy, reliability, timeliness, usefulness or completeness of such information or advice. All information and advice given on this Web site is intended only to assist you with financial decisions. However, by nature such information is broad in scope. Your financial situation is unique and our information and advice may not be appropriate for your situation. Accordingly, CreditCardWatcher.com recommends that you get different opinions and seek the advice of your accountant and other financial advisers who are fully aware of your individual circumstances before making any final decisions or implementing any financial strategy. You should not rely on any information or advice you obtain on this Web site. Any reliance by you on any information or advice will be at your own risk.

Third Party Links and Third Party Products
This Web site contains links to third-party sites. These links are provided for convenience purposes and are not under the control of CreditCardWatcher.com. CreditCardWatcher.com does not make any representations and warranties, express or implied, regarding the content of any of these linked sites. These links do not constitute or imply an endorsement, authorization, sponsorship or affiliation by CreditCardWatcher.com with respect to any third party, any third party’s Web site, the content of any third party’s Web site, or any products or services provided by a third party.

Credit Cards Presented On This Site
Some credit card issuers may pay us when they receive a completed application or upon approval of a completed application for some of the credit cards on this site.

Not an Application
Nothing on this Site constitutes an offer, promise or otherwise, either to provide a specific credit card or that any participating credit card issuer will offer you a credit card for any purpose or on any specific terms. If you contact a credit card issuer listed on the Site and you submit a credit card application to such credit card issuer, your information remains between you and that lender or broker. We shall not be responsible or liable for any products, services, information or other materials displayed, purchased, or obtained as a result of any information or offer in or results of any kind obtained in connection with this Site.