Our Terms of Use

By using explainmycreditcard.com and any of its pages, you agree to comply with and be bound by all the Terms and Conditions set forth below. You must be at least 18 years old, a legal resident of the United States with a valid mailing address.

Explainmycreditcard.com may revise these Terms and Conditions at any time. Please visit this site periodically for updates.

Governing Laws and Regulations

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. Virginia law and Federal law will govern the interpretation and enforcement of these Terms and Conditions.

Copyright and Trademark Policies

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 ©2007 by explainmycreditcard.com. All rights reserved. All trademarks are the property of their respective owners with all rights reserved. This website 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 Explainmycreditcard.com's prior written permission (permission@explainmycreditcard.com). The owners of trademarked names and merchandise used in our promotions do not sponsor and have not endorsed this promotion or product incentive program, nor are they affiliated with explainmycreditcard.com in anyway.

Disclaimer and Limitation on Liability

BY USING THIS WEBSITE; YOU ASSUME ALL RESPONSIBILITY AND RISK FOR THE USE OF THIS WEBSITE AND THE INTERNET GENERALLY. THE INFORMATION IS PROVIDED "AS IS," WITHOUT ANY EXPRESS OR IMPLIED WARRANTY OF ANY KIND. IN NO EVENT SHALL EXPLAINMYCREDITCARD.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 WEBSITE, EVEN IF EXPLAINMYCREDITCARD.COM HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

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

This Website provides information and advice based on our editorial content and advice of marketing professionals. While Explainmycreditcard.com believes such information and advice 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 Website is intended only to assist you with promotional or special offer decisions. However, by nature such information is broad in scope. Your personal and financial situation is unique and our information and advice may not be appropriate for your situation. Accordingly, Explainmycreditcard.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 personal or financial strategy. You should not rely on any information or advice you obtain on this Website. Any reliance by you on any information or advice will be at your own risk.

Links to third-party sites

This Website contains links to third-party sites. These links are provided for convenience and or promotional purposes and are not under the control of Explainmycreditcard.com. Explainmycreditcard.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 Explainmycreditcard.com with respect to any third party, any third party's Website, the content of any third party's Website, or any products or services provided by a third party.

Governing law and jurisdiction

These terms and conditions of use shall be governed by and construed in accordance with the laws of the United States of America and the state of Virginia, without giving effect to any choice of law or conflict of law provision or rule (whether of the state of California or any other jurisdiction) that would cause the application of the laws of any jurisdiction other than the United States or the state of Virginia. By using this website, you consent to the jurisdiction of the state and federal courts of Hampton, Virginia, USA any action or proceeding arising under or relating to these Terms of Use, this website or the use of, or reliance on, this website.