Terms of Service

Last Updated: January 1, 2025

Please read these Terms of Service ("Terms") carefully before using investorcard.io (the "Site") operated by InvestorCard ("we," "us," or "our"). By accessing or using this Site, you agree to be bound by these Terms. If you disagree with any part, do not use the Site.

1. About InvestorCard

InvestorCard is a financial comparison and affiliate referral website that helps users compare business credit cards. We earn commissions when users apply for and are approved for financial products featured on our site. We are not a bank, credit card issuer, lender, or financial advisor.

2. Acceptance of Terms

By using this Site, you represent that:

• You are at least 18 years of age
• You have the legal capacity to enter into binding agreements
• You will use the Site in compliance with these Terms and all applicable laws
• The information you provide is accurate and truthful

3. Affiliate Relationships & Compensation

InvestorCard has affiliate relationships with financial institutions and credit card issuers. We receive compensation when:

• A user clicks on an affiliate link ("Apply Now") and completes an application
• A user is approved for a featured card through our referral
• A user completes certain other qualifying actions as defined by affiliate agreements

This compensation influences which products we feature and how prominently they appear. However, we strive to provide accurate and balanced reviews. Our affiliate relationships are disclosed in accordance with FTC guidelines.

4. No Financial Advice

All content on InvestorCard is provided for informational and educational purposes only. Nothing on this Site constitutes:

• Financial, investment, legal, or tax advice
• A recommendation to apply for any specific credit card
• A guarantee of approval for any financial product
• Professional financial planning services

Always consult qualified financial, legal, and tax professionals before making financial decisions.

5. No Guarantee of Approval

InvestorCard does not guarantee, warrant, or represent that any user will be approved for any credit card featured on our Site. All credit decisions are made solely by card issuers based on their own underwriting criteria, which may include but are not limited to:

• Personal credit history and score
• Business credit history
• Income and revenue verification
• Debt-to-income ratios
• Business structure and documentation
• Other factors at the issuer's sole discretion

6. Accuracy of Information

We strive to maintain accurate, current information about card terms, fees, and offers. However:

• Card terms change frequently and without notice
• Annual fees, APR rates, and rewards programs may differ from what is displayed
• We are not responsible for errors or omissions in third-party card information
• Always verify current terms directly with the issuer before applying
• Card terms are subject to credit approval and may vary by applicant

7. Third-Party Websites

When you click "Apply Now," you are redirected to third-party websites operated by card issuers. We are not responsible for:

• The content, accuracy, or practices of third-party sites
• The security of information submitted to third-party sites
• Any products, services, or representations made by third parties
• Any loss or damage arising from your use of third-party sites

8. Intellectual Property

All content on this Site, including text, graphics, logos, and code, is owned by InvestorCard or licensed to us and is protected by copyright and other intellectual property laws. You may not reproduce, distribute, or create derivative works without our express written permission.

Card names, logos, and trademarks belong to their respective owners (Chase, American Express, Capital One, Bank of America, Wells Fargo, Brex, etc.) and are used for identification and comparison purposes only.

9. Disclaimers & Limitation of Liability

THE SITE IS PROVIDED "AS IS" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. TO THE MAXIMUM EXTENT PERMITTED BY LAW:

• We disclaim all warranties, including fitness for a particular purpose and merchantability
• We are not liable for any direct, indirect, incidental, or consequential damages arising from use of this Site
• We are not liable for credit decisions made by issuers
• We are not liable for damage to your credit score from applications made through our Site
• Our total liability to you shall not exceed $100

10. Indemnification

You agree to indemnify and hold harmless InvestorCard, its affiliates, officers, directors, and employees from any claims, damages, or expenses (including reasonable attorney fees) arising from your use of the Site, violation of these Terms, or infringement of any third-party rights.

11. Prohibited Uses

You may not use this Site to:

• Submit false information or misrepresent your identity
• Scrape, crawl, or harvest data without written permission
• Engage in any activity that disrupts or interferes with the Site
• Violate any applicable laws or regulations
• Use our content for commercial purposes without permission

12. Governing Law & Dispute Resolution

These Terms are governed by the laws of the State of Ohio, without regard to conflict of law provisions. Any disputes arising from these Terms or use of this Site shall be resolved in the state or federal courts located in Ohio, and you consent to personal jurisdiction in those courts.

13. Changes to Terms

We reserve the right to modify these Terms at any time. Changes will be posted with an updated effective date. Continued use of the Site after changes constitutes acceptance of the updated Terms.

14. Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions shall remain in full force and effect.

15. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and InvestorCard regarding your use of the Site.