Disclaimer

The content provided on Cards Pedia (www.cardspedia.com) is intended solely for informational and educational purposes. While we dedicate significant resources to ensuring the accuracy, completeness, and timeliness of our content, the dynamic nature of the financial industry means that information can change rapidly and without notice.

All reviews, comparisons, guides, and recommendations published on Cards Pedia represent our analysis and opinion based on publicly available information at the time of publication. We strongly encourage users to independently verify all information directly with card issuers and financial institutions before making any financial decisions.

No Financial Advice

Cards Pedia does not provide personalized financial, investment, tax, legal, or accounting advice. Our content should not be construed as professional financial guidance tailored to your individual circumstances. The information presented on our platform is general in nature and may not be suitable for your specific financial situation, objectives, or risk tolerance.

We strongly recommend consulting with qualified financial professionals, such as certified financial advisors, accountants, or credit counselors, before making significant financial decisions or applying for any credit products.

Accuracy and Currency of Information

Despite our best efforts to maintain current and accurate information, Cards Pedia cannot guarantee that all content is completely error-free or up-to-date at all times. Credit card terms, interest rates, fees, rewards programs, and promotional offers are subject to change by card issuers without prior notice.

Users should always:

  • Verify current terms and conditions directly with the card issuer
  • Read all official documentation carefully before applying
  • Confirm promotional offers and their expiration dates
  • Check their eligibility for specific cards or offers

Third-Party Links and External Content

Our website may contain links to third-party websites, including card issuer sites, financial institutions, and other resources. These links are provided for your convenience and additional information. However, Cards Pedia:

  • Does not endorse or assume responsibility for the content, privacy policies, or practices of third-party websites
  • Cannot guarantee the accuracy, relevance, timeliness, or completeness of information on external sites
  • Has no control over the availability or changes to linked websites
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When leaving Cards Pedia to visit external sites, please review their terms of service, privacy policies, and security measures, as they may differ significantly from ours.

Affiliate Relationships and Advertising

Cards Pedia may participate in affiliate marketing programs and receive compensation when users click on certain links or successfully apply for products through our platform. These relationships help support our ability to provide free content and maintain our website.

However, our affiliate relationships do not influence our editorial content or recommendations. We maintain strict editorial independence and base our reviews and ratings on objective criteria, regardless of potential compensation.

Limitation of Liability

By using Cards Pedia, you acknowledge and agree that:

  • Your use of our website and its content is entirely at your own risk
  • Cards Pedia, its owners, employees, and contributors shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of our website or reliance on its content
  • We are not responsible for any financial losses, credit score impacts, or other damages that may result from decisions made based on information found on our site
  • We do not guarantee any specific outcomes from using credit cards or following our content

User Responsibility

As a user of Cards Pedia, you are responsible for:

  • Evaluating the suitability of any credit card or financial product for your personal circumstances
  • Understanding the terms and conditions of any financial products you apply for
  • Managing your credit responsibly and within your means
  • Protecting your personal and financial information online
  • Complying with all applicable laws and regulations in your jurisdiction

Changes to This Disclaimer

Cards Pedia reserves the right to modify, update, or revise this disclaimer at any time without prior notice. Changes become effective immediately upon posting to our website. Your continued use of Cards Pedia after any modifications constitutes acceptance of the updated disclaimer.

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Governing Law

This disclaimer shall be governed by and construed in accordance with applicable laws, without regard to conflict of law principles. Any disputes arising from or relating to this disclaimer or your use of Cards Pedia shall be subject to the exclusive jurisdiction of the appropriate courts.