Terms of Service
Last Updated: January 24, 2026
1. Agreement to Terms
By accessing or using CardClassroom ("the Service"), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our Service.
2. Description of Service
CardClassroom provides credit card comparison tools, calculators, and educational content. We help users compare credit card offers and make informed financial decisions.
Important: We are not a financial advisor, bank, or credit card issuer. We provide information for educational purposes only. All credit card applications are submitted directly to the card issuers.
3. Affiliate Relationships
CardClassroom participates in affiliate programs with credit card issuers and other financial institutions. When you click on certain links and apply for credit cards through our site, we may receive compensation.
This compensation may influence:
- The order in which products appear on our site
- Whether a product appears on our site
- The placement of products on our pages
However, this does not influence our editorial opinions or ratings. We strive to provide accurate, unbiased information regardless of compensation.
4. No Financial Advice
The information provided on CardClassroom is for general informational purposes only and should not be considered financial advice. Before making any financial decisions:
- Consult with a qualified financial advisor
- Review all terms and conditions from the card issuer
- Consider your personal financial situation
- Verify current rates and terms directly with issuers
5. Accuracy of Information
We make reasonable efforts to ensure the accuracy of information on our site. However, credit card terms, rates, and offers change frequently. We cannot guarantee that all information is current or error-free.
Always verify offer details directly with the credit card issuer before applying.
6. User Accounts
If you create an account on our Service, you are responsible for:
- Maintaining the confidentiality of your account credentials
- All activities that occur under your account
- Notifying us immediately of any unauthorized use
7. Prohibited Uses
You agree not to:
- Use the Service for any unlawful purpose
- Attempt to gain unauthorized access to our systems
- Interfere with or disrupt the Service
- Scrape or collect data without permission
- Submit false or misleading information
- Engage in click fraud or manipulation
- Impersonate others or misrepresent your affiliation
8. Intellectual Property
All content on CardClassroom, including text, graphics, logos, and software, is the property of CardClassroom or its content suppliers and is protected by intellectual property laws.
You may not reproduce, distribute, or create derivative works without our written permission.
9. Third-Party Links
Our Service contains links to third-party websites and services. We are not responsible for the content, privacy practices, or terms of these third-party sites. Your use of third-party sites is at your own risk.
10. Disclaimer of Warranties
THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE.
11. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, CARDCLASSROOM SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF THE SERVICE.
12. Indemnification
You agree to indemnify and hold harmless CardClassroom from any claims, damages, or expenses arising from your use of the Service or violation of these Terms.
13. Changes to Terms
We reserve the right to modify these Terms at any time. We will notify users of material changes by posting the updated Terms on this page. Your continued use of the Service constitutes acceptance of the modified Terms.
14. Governing Law
These Terms shall be governed by and construed in accordance with the laws of the State of New York, without regard to its conflict of law provisions.
15. Contact Us
If you have questions about these Terms, please contact us at:
- Email: legal@cardclassroom.com
- Address: 123 Finance Street, New York, NY 10001