Independent, Unbiased Credit Card Reviews You Can Trust.

TERMS OF USE

Last Updated: 02/02/2025

Welcome to https://www.creditcardsguides.com/ (the “Site”), operated by TTM Media Ltd, located at 22 Wenlock Road, London, N1 7GU, United Kingdom (“Company,” “we,” “us,” or “our”). These Terms of Use (“Terms”) apply to all visitors and users of this Site (collectively, “you” or “your”), regardless of how you access or use it.

By visiting or using the Site, you agree to be bound by these Terms and our Privacy Policy (the “Privacy Policy”), which is incorporated by reference. If you do not agree to any part of these Terms, do not use the Site.

1. Audience and Eligibility

1. U.S. Residents Only
   While TTM Media Ltd is based in the United Kingdom, our Site and services are intended solely for residents of the United States. If you reside outside the U.S., you use this Site at your own risk and initiative.

2. Age Requirement
   Our Site’s content about credit cards and financial information is intended for adults. You represent and warrant that you are at least 18 years old. If you are not, you must not use or access the Site.

3. No User Accounts (Currently)
   We currently do not require you to create a user account or login. However, we reserve the right to introduce account functionality in the future. If and when user accounts are introduced, these Terms will apply (and may be supplemented) regarding account creation, security, and use.

2. Our Services

1. General Description
   We provide educational and informational content about credit cards, personal finance topics, and related blog posts. We may also include references or links to third-party websites or services that enable you to apply for credit cards or other financial products.

2. Affiliate & Advertising Disclosures

   • Affiliate Links: We may earn revenue or referral fees through links, banners, or sponsored listings on the Site (e.g., from credit card issuers, banks, or their affiliates).

   • Referrals: Our Site may redirect you to third-party platforms (for example, CardRatings.com), where you may then click through to an issuer’s or bank’s website. We are not responsible for those external sites, their offers, or any transactions you undertake with them.

3. No Professional Licenses
   TTM Media Ltd is not a bank, credit card issuer, or licensed financial advisor. No content on this Site should be construed as financial, legal, or tax advice.

4. Informational Purposes Only
   All content is provided “as is” for general informational purposes. You are solely responsible for verifying the accuracy and suitability of information before making any financial decisions.

3. Third-Party Websites & Content

1. No Control Over Third Parties
   Our Site may contain links or references to third-party websites, offers, or products (“Third-Party Sites”). We do not control, endorse, or guarantee any Third-Party Sites.

2. No Liability
   We assume no responsibility or liability for any content, terms, policies, or actions of third parties. Accessing Third-Party Sites is entirely at your own risk, and you agree that we are not liable for any losses or damages arising out of or relating to such access.

3. Potential Data Sharing
   If, in the future, you provide personal information that we transfer or share with third-party service providers or partners to facilitate certain functions (e.g., credit card offers), such sharing will be governed by our Privacy Policy.

4. Future Features: User-Generated Content, Forums, etc.

1. Potential User-Generated Content
   While we do not currently host user reviews, community forums, or Q&A sections, we may add these features in the future. By submitting any content to any such forum, you will (a) affirm you have the rights to such content, and (b) grant us a license to use or display your content, subject to additional guidelines we may provide.

2. Prohibited Conduct
   You agree that you will not post or transmit content that:

   • Violates any law or infringes third-party rights;

   • Is defamatory, obscene, harassing, or otherwise objectionable;

   • Contains viruses, malware, or spam;

   • Attempts to collect personal information from others without consent.

3. Monitoring and Removal
   We reserve the right (but have no obligation) to monitor and remove any user-generated content for any reason, at our sole discretion.

5. Intellectual Property

1. Ownership
   All materials on the Site, including text, graphics, logos, images, trademarks, and other content (collectively, the “Content”), are owned or licensed by TTM Media Ltd and are protected by copyright, trademark, and other intellectual property laws.

2. Limited License
   Subject to these Terms, we grant you a personal, non-exclusive, non-transferable, revocable license to view and use the Site for personal, non-commercial purposes. You may not copy, reproduce, distribute, or create derivative works from our Content without our express written permission.

3. Copyright Complaints
   If you believe your copyrighted work has been used on the Site in a way that infringes your rights, please contact us at [email protected] with a written notice containing all legally required information (e.g., your contact info, identification of the allegedly infringing material, etc.). We reserve the right to remove infringing content in accordance with applicable law.

6. Disclaimer of Warranties

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE SITE AND ALL CONTENT ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED.
WE SPECIFICALLY DISCLAIM, WITHOUT LIMITATION:

• ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT;

• THAT THE SITE’S CONTENT WILL BE ERROR-FREE, ACCURATE, COMPLETE, OR UP TO DATE;

• THAT ACCESS TO THE SITE WILL BE UNINTERRUPTED OR SECURE; OR

• THAT THIRD-PARTY OFFERS, PRODUCTS, OR SERVICES DISCUSSED OR LINKED ON THE SITE WILL MEET YOUR EXPECTATIONS OR RESULT IN ANY PARTICULAR OUTCOME.

YOU AGREE THAT ANY RELIANCE ON INFORMATION OBTAINED FROM OR THROUGH THE SITE IS AT YOUR SOLE RISK.

7. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW:

1. NO INDIRECT DAMAGES
   IN NO EVENT WILL TTM MEDIA LTD (INCLUDING ITS OFFICERS, DIRECTORS, EMPLOYEES, OR AFFILIATES) BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, OR SPECIAL DAMAGES (INCLUDING LOST PROFITS, LOST DATA, OR BUSINESS INTERRUPTION), WHETHER BASED IN CONTRACT, TORT, OR OTHERWISE, ARISING OUT OF OR RELATING TO YOUR USE OF OR INABILITY TO USE THE SITE.

2. MAXIMUM LIABILITY
   IF WE ARE FOUND LIABLE, OUR AGGREGATE LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATED TO THESE TERMS OR THE SITE WILL NOT EXCEED THE GREATER OF ONE HUNDRED U.S. DOLLARS (US $100) OR THE AMOUNT YOU HAVE PAID US IN CONNECTION WITH YOUR USE OF THE SITE IN THE PAST SIX (6) MONTHS (IF ANY).

THE FOREGOING LIMITATIONS APPLY EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES AND REGARDLESS OF ANY FAILURE OF ESSENTIAL PURPOSE OF ANY LIMITED REMEDY.

8. Indemnification

You agree to defend, indemnify, and hold harmless TTM Media Ltd and its respective officers, directors, employees, affiliates, agents, and licensors from and against any claims, losses, damages, liabilities, costs, and expenses (including reasonable attorneys’ fees) arising out of or related to:

• Your use or misuse of the Site or Content;

• Your breach of these Terms; or

• Your violation of any law or the rights of any third party.

9. Modifications to the Site or Terms

1. Changes to the Site
   We may modify, suspend, or discontinue the Site (or any part thereof) at any time, with or without notice, and shall not be liable for doing so.

2. Changes to the Terms
   We may revise these Terms from time to time by posting an updated version. The “Last Updated” date above reflects when changes were made. Your continued use of the Site after any such revision constitutes your acceptance of the updated Terms. If you do not agree, you must stop using the Site immediately.

10. Governing Law & Dispute Resolution

1. Governing Law
   These Terms and any dispute arising hereunder shall be governed by and construed in accordance with the laws of the United States (to the extent applicable) and, as a fallback, the laws of England and Wales without regard to its conflict of laws rules, given TTM Media Ltd’s location.

2. Venue
   If a dispute arises that cannot be resolved through informal negotiation, you agree that any suit or proceeding shall be brought in the competent courts located in London, United Kingdom, or another jurisdiction we designate, unless otherwise required by applicable law.

3. Additional Remedies
   Nothing in this section prevents us from seeking injunctive relief in any court of competent jurisdiction as necessary to protect our proprietary interests.

11. General Provisions

1. Entire Agreement
   These Terms (along with our Privacy Policy) constitute the entire agreement between you and us regarding your use of the Site, superseding any prior agreements or understandings.

2. Severability
   If any provision of these Terms is found invalid, illegal, or unenforceable, that provision shall be enforced to the fullest extent permissible, and the remaining provisions will remain in effect.

3. No Waiver
   Our failure to enforce any right or provision of these Terms does not constitute a waiver of that right or provision.

4. Assignment
   We may transfer or assign our obligations and rights under these Terms without restriction; you may not transfer or assign these Terms or any rights or obligations herein without our prior written consent.

5. Contact Us
   If you have any questions, concerns, or notices regarding these Terms or the Site, please contact us at:
   TTM Media Ltd
   22 Wenlock Road, London, N1 7GU, United Kingdom
   Email: [email protected]

Thank you for reading and abiding by these Terms of Use. Your continued use of our Site signifies your agreement with them. If you do not agree, please discontinue use immediately.