Terms of Use

1. About FinanceProspector

FinanceProspector is an independent financial media and research website that provides editorial reviews, comparisons, ratings, educational content, and other information about financial products, services, and providers.

FinanceProspector is not a bank, lender, broker, investment adviser, insurance provider, payment processor, cryptocurrency exchange, or other financial institution or financial service provider. We do not provide financial, investment, legal, tax, accounting, insurance, or other professional advice.

2. Information Is for General Informational Purposes

The information available through the Site is provided for general informational and educational purposes only.

Our content does not take into account your individual financial circumstances, objectives, needs, or risk tolerance and should not be considered a substitute for professional advice.

You are responsible for evaluating information and making your own financial decisions. Where appropriate, you should consult a qualified financial, investment, tax, legal, insurance, or other professional before making decisions based on information available through the Site.

3. Editorial Content, Ratings and Reviews

FinanceProspector may publish reviews, ratings, comparisons, rankings, scores, recommendations, guides, and other editorial content concerning financial products, services, and providers.

These assessments represent our editorial evaluation based on the information, methodology, criteria, and sources available to us at the time of publication or update.

Products, features, fees, rates, eligibility requirements, terms, availability, and other information may change. Although we work to provide accurate and useful information, we do not guarantee that all information on the Site is complete, accurate, current, or applicable to your particular circumstances.

You should verify important information directly with the relevant provider before applying for, purchasing, opening, using, or relying upon a financial product or service.

4. Third-Party Products and Providers

FinanceProspector does not provide the financial products or services reviewed, compared, rated, discussed, or linked to on the Site.

Products and services offered by third parties are subject to the terms, conditions, eligibility requirements, underwriting standards, fees, rates, privacy practices, and other policies established by those third parties.

Any relationship or transaction you enter into with a third-party provider is between you and that provider.

FinanceProspector is not responsible for the actions, products, services, representations, decisions, availability, or performance of third-party providers.

5. Affiliate Relationships and Compensation

FinanceProspector may receive compensation from companies whose products or services appear on the Site, including when users click certain links, apply for products, or take other qualifying actions.

Compensation may affect how or where certain products or providers appear on the Site, but it does not influence our editorial opinions, evaluations, ratings, recommendations, or FinanceProspector Editorial Scores.

Not every company, product, or service available in the marketplace is included on the Site.

Additional information about our commercial relationships and editorial independence is available in our Affiliate Disclosure.

6. Third-Party Links

The Site may contain links to websites, applications, products, or services operated by third parties.

These links are provided for convenience and informational purposes. FinanceProspector does not control third-party websites and is not responsible for their content, availability, security, privacy practices, terms, products, or services.

Your use of a third-party website or service is governed by that third party's terms and policies. You should review those terms and policies before providing personal information or entering into a transaction.

7. Intellectual Property

Unless otherwise indicated, the Site and its original content—including text, editorial reviews, ratings, FinanceProspector Editorial Scores, methodologies, graphics, illustrations, logos, designs, page layouts, and other materials—are owned by or licensed to Financial Innovation Media LLC and are protected by applicable intellectual property laws.

You may access and use the Site for your personal, non-commercial use.

You may not reproduce, republish, distribute, modify, sell, license, scrape, systematically extract, create derivative works from, or commercially exploit substantial portions of the Site or its original content without our prior written permission, except as permitted by applicable law.

Third-party names, logos, trademarks, and other intellectual property appearing on the Site remain the property of their respective owners.

8. Prohibited Uses

You may not use the Site:

• For unlawful, fraudulent, deceptive, or abusive purposes;
• To interfere with or disrupt the operation or security of the Site;
• To attempt to gain unauthorized access to the Site, its systems, or related networks;
• To introduce malicious code, viruses, or other harmful technology;
• To impersonate another person or misrepresent your affiliation with any person or organization;
• To infringe the intellectual property, privacy, or other rights of FinanceProspector or any third party; or
• To systematically scrape, harvest, copy, or extract Site content for commercial purposes without our prior written permission.

9. No Warranties

The Site and its content are provided on an “as is” and “as available” basis.

To the fullest extent permitted by applicable law, FinanceProspector disclaims warranties of any kind, whether express or implied, regarding the Site or its content, including warranties concerning accuracy, completeness, reliability, availability, merchantability, fitness for a particular purpose, and non-infringement.

We do not warrant that the Site will always be available, uninterrupted, secure, or error-free.

10. Limitation of Liability

To the fullest extent permitted by applicable law, Financial Innovation Media LLC and its officers, directors, employees, contractors, affiliates, and agents will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages arising out of or related to your use of, inability to use, or reliance on the Site or its content.

We are not responsible for losses arising from financial decisions, transactions, products, or services obtained from or entered into with third parties referenced on or linked from the Site.

Nothing in these Terms excludes or limits liability that cannot lawfully be excluded or limited.

11. Indemnification

To the extent permitted by applicable law, you agree to indemnify and hold harmless Financial Innovation Media LLC and its officers, directors, employees, contractors, affiliates, and agents from claims, liabilities, damages, losses, and reasonable expenses arising from your unlawful use of the Site, your material violation of these Terms, or your infringement of the rights of another person or entity.

12. Changes to the Site

We may modify, suspend, discontinue, or restrict any portion of the Site at any time.

We may also update, correct, remove, or change content without prior notice, including information concerning products, providers, ratings, scores, comparisons, or recommendations.

13. Changes to These Terms

We may update these Terms periodically to reflect changes to the Site, our practices, or applicable requirements.

When we make changes, we will update the “Last Updated” date at the top of this page. Your continued use of the Site following an update constitutes acceptance of the revised Terms to the extent permitted by applicable law.

14. Governing Law

These Terms are governed by the laws of the State of California, without regard to its conflict-of-laws principles.

15. Severability

If any provision of these Terms is determined to be invalid, unlawful, or unenforceable, the remaining provisions will remain in effect to the fullest extent permitted by law.

16. Other Policies

These Terms, together with our Privacy Policy and other policies or disclosures referenced on the Site, govern your use of the Site where applicable.