Terms of Service

1. Acceptance of Terms

By accessing and using PerksTracker ("the Website"), you accept and agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use the Website.

2. Description of Service

PerksTracker provides information and comparisons about financial products including credit cards, bank accounts, investment accounts, and other financial services. We aggregate publicly available offer information and provide tools to help users compare and find financial products that may suit their needs.

3. Affiliate Relationships and Compensation

Important Disclosure: PerksTracker participates in affiliate marketing programs with financial institutions and affiliate networks including FlexOffers, CJ Affiliate, and others. This means:

• We may earn a commission when you click on certain links and apply for or purchase financial products
• Compensation may influence which offers are featured or highlighted
• We only recommend products we believe provide value, regardless of commission rates
• The price you pay is not affected by our affiliate relationships

4. No Financial Advice

PerksTracker does not provide financial advice. The information on this Website is for informational and comparison purposes only. We are not financial advisors, and nothing on this Website should be construed as:

• Professional financial, investment, legal, or tax advice
• A recommendation to apply for any specific financial product
• A guarantee of approval or specific terms from any financial institution

You should consult with qualified professionals before making any financial decisions.

5. Accuracy of Information

While we strive to provide accurate and up-to-date information:

• Offer details, bonus amounts, fees, and terms are subject to change without notice
• We are not responsible for errors or omissions in product information
• You must verify all details directly with the financial institution before applying
• Actual terms, approval, and bonuses are determined solely by the financial institution

6. Third-Party Links and Services

Our Website contains links to third-party websites operated by financial institutions and other companies. We are not responsible for:

• The content, accuracy, or practices of third-party websites
• Products or services offered by third parties
• Your interactions with third-party websites
• Approval or denial of applications submitted to third parties

7. User Responsibilities

When using PerksTracker, you agree to:

• Provide accurate information when using personalization features
• Use the Website only for lawful purposes
• Not attempt to manipulate, abuse, or exploit our affiliate relationships
• Not scrape, copy, or republish our content without permission
• Verify all offer details before applying for any financial product

8. Intellectual Property

All content on PerksTracker, including text, graphics, logos, and software, is owned by PerksTracker or its licensors and is protected by copyright and other intellectual property laws. You may not reproduce, distribute, or create derivative works without our express written permission.

9. Privacy

Your use of the Website is also governed by our Privacy Policy. Please review it to understand how we collect and use information.

10. Disclaimers and Limitation of Liability

THE WEBSITE IS PROVIDED "AS IS" WITHOUT WARRANTIES OF ANY KIND. We disclaim all warranties, express or implied, including:

• Warranties of accuracy, completeness, or reliability of information
• Warranties that the Website will be error-free or uninterrupted
• Warranties of merchantability or fitness for a particular purpose

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

• PerksTracker shall not be liable for any indirect, incidental, special, or consequential damages
• Our total liability shall not exceed $100
• We are not responsible for any losses resulting from your use of the Website or third-party services

11. Indemnification

You agree to indemnify and hold harmless PerksTracker from any claims, losses, damages, or expenses arising from:

• Your use of the Website
• Your violation of these Terms
• Your violation of any rights of another party

12. Important Consumer Information

Before applying for any financial product:

• Read all terms and conditions on the financial institution's website
• Understand all fees, interest rates, and penalties
• Verify bonus requirements and eligibility criteria
• Consider the impact on your credit score
• Ensure the product meets your financial needs

13. Changes to Terms

We may modify these Terms at any time. Changes will be effective immediately upon posting. Your continued use of the Website after changes constitutes acceptance of the modified Terms.

14. Governing Law

These Terms are governed by the laws of the United States and the state in which PerksTracker operates, without regard to conflict of law principles.

15. Contact Information

If you have questions about these Terms, please contact us at:

Email: contact@perkstracker.com

16. Severability

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

Important: PerksTracker is an informational website only. We do not issue credit cards, provide banking services, or make lending decisions. All applications are processed directly by the respective financial institutions.