Умови обслуговування

Прочитайте Умови обслуговування для CreditPoints, вашого AI-радника з кредитних карт.

Please also review our Privacy Policy and Affiliate Disclosure, both incorporated into these Terms by reference.

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CreditPoints provides tools and editorial content to help consumers research, compare, and select credit card products. This includes AI-powered card recommendations, offer tracking, benefit monitoring, and educational articles.

The Site is free to use. We earn revenue through affiliate commissions when users apply for and are approved for credit cards via links on the Site. See our Affiliate Disclosure for details.

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Card recommendations, valuations, and comparisons are based on publicly available data and our own analytical models. They are not personalized financial advice. Credit card decisions involve individual circumstances — credit score, income, spending habits, and financial goals — that we cannot fully assess.

Always read the issuer's terms and conditions before applying for any credit product. Consult a qualified financial advisor for decisions that materially affect your financial situation.

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We work to keep card terms, bonus offers, annual fees, and benefit details accurate and up to date. However, card terms change frequently and without notice. We cannot guarantee that information on the Site reflects the current terms offered by any issuer.

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The Site contains affiliate links. When you click these links and are approved for a credit card, we may earn a commission. See our Affiliate Disclosure for a full explanation of how affiliate compensation works and how it does not influence our editorial recommendations.

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• Maintaining the confidentiality of your account credentials.
• All activity that occurs under your account.
• Notifying us promptly of any unauthorized use of your account.

We reserve the right to suspend or terminate accounts that violate these Terms.

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• Use the Site for any unlawful purpose or in violation of any applicable law.
• Scrape, crawl, or systematically extract content or data from the Site without our prior written consent.
• Attempt to gain unauthorized access to any part of the Site or its infrastructure.
• Interfere with or disrupt the operation of the Site.
• Use the Site to transmit spam, malware, or other harmful content.
• Misrepresent your identity or affiliation.

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All content on the Site — including text, graphics, data, code, AI-generated recommendations, and card ratings — is owned by or licensed to CreditPoints and protected by copyright and other intellectual property laws.

You may share links to our content and quote brief excerpts for commentary or news purposes, with attribution. You may not reproduce, republish, or redistribute substantial portions of our content without written permission.

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The Site links to third-party websites, including credit card issuer sites and affiliate networks. We are not responsible for the content, terms, or practices of those sites. Following a link does not constitute our endorsement of the destination site.

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OUR TOTAL LIABILITY FOR ANY CLAIM ARISING FROM THESE TERMS OR YOUR USE OF THE SITE SHALL NOT EXCEED $100.

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You agree to indemnify and hold harmless CreditPoints and its operators from any claims, damages, or expenses (including reasonable legal fees) arising from your violation of these Terms or your use of the Site.

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These Terms are governed by the laws of the State of Delaware, United States, without regard to conflict of law principles. Any disputes shall be resolved in the state or federal courts located in Delaware.

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We may update these Terms from time to time. We will post the revised Terms with an updated "Last updated" date. Your continued use of the Site after changes are posted constitutes your acceptance of the revised Terms.

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