Terms and Conditions

Effective Date: January 1, 2024 | Last Updated: January 1, 2024

1. Acceptance of Terms

Welcome to Shared Fortunes ("we," "our," or "us"). These Terms and Conditions ("Terms") govern your use of our website located at sharedfortunes.com (the "Service") operated by Shared Fortunes.

By accessing or using our Service, you agree to be bound by these Terms. If you disagree with any part of these terms, then you may not access the Service.

2. Description of Service

Shared Fortunes is a credit card comparison and information website that provides:

• Credit card comparisons and reviews
• Educational content about credit cards and personal finance
• Tools to help users find suitable credit card products
• Links to credit card issuer websites and applications
• General financial information and tips

3. Important Disclaimers

3.1 Not Financial Advice

3.2 No Guarantee of Approval

We do not guarantee that you will be approved for any credit card or financial product. Credit card approval depends on various factors including your credit score, income, and the issuer's criteria, which are beyond our control.

3.3 Information Accuracy

While we strive to provide accurate and up-to-date information, credit card terms, rates, fees, and offers change frequently. We cannot guarantee the accuracy, completeness, or timeliness of all information. Always verify current terms directly with the credit card issuer before applying.

4. Affiliate Relationships and Compensation

4.1 Affiliate Disclosure

4.2 Editorial Independence

Our affiliate relationships do not influence our editorial content or recommendations. We maintain editorial independence and provide honest, unbiased reviews and comparisons based on our research and analysis.

4.3 Compensation Disclosure

We may receive compensation in the following ways:

• Referral fees when users apply for credit cards through our links
• Advertising revenue from display advertisements
• Sponsored content (clearly marked as such)
• Partnership agreements with financial institutions

5. User Responsibilities and Conduct

5.1 Acceptable Use

You agree to use our website only for lawful purposes and in accordance with these Terms. You agree not to:

• Violate any applicable laws or regulations
• Infringe on intellectual property rights
• Transmit harmful, offensive, or inappropriate content
• Attempt to gain unauthorized access to our systems
• Use automated tools to scrape or harvest data
• Interfere with the proper functioning of the website

5.2 Account Security

If you create an account or subscribe to our services, you are responsible for maintaining the confidentiality of your account information and for all activities that occur under your account.

5.3 Accurate Information

You agree to provide accurate, current, and complete information when using our services or communicating with us.

6. Intellectual Property Rights

6.1 Our Content

All content on our website, including but not limited to text, graphics, logos, images, software, and design elements, is the property of Shared Fortunes or our licensors and is protected by copyright, trademark, and other intellectual property laws.

6.2 Limited License

We grant you a limited, non-exclusive, non-transferable license to access and use our website for personal, non-commercial purposes in accordance with these Terms.

6.3 Restrictions

You may not:

• Reproduce, distribute, or create derivative works from our content
• Use our content for commercial purposes without written permission
• Remove or alter copyright notices or proprietary markings
• Reverse engineer or attempt to extract source code

7. Third-Party Links and Services

7.1 External Links

Our website contains links to third-party websites, including credit card issuer sites. These links are provided for your convenience, and we do not endorse or control the content of these external sites.

7.2 Third-Party Terms

When you click on external links or apply for credit cards, you will be subject to the terms and conditions of those third-party websites. We encourage you to review their terms and privacy policies.

7.3 No Responsibility

We are not responsible for the content, privacy practices, or terms of third-party websites or services.

8. Limitation of Liability

8.1 Disclaimer of Warranties

Our website and services are provided "as is" and "as available" without warranties of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement.

8.2 Limitation of Damages

To the maximum extent permitted by law, Shared Fortunes shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to:

• Loss of profits or revenue
• Loss of data or information
• Business interruption
• Financial losses from credit card decisions
• Damages resulting from third-party actions

8.3 Maximum Liability

Our total liability to you for any claims arising from your use of our website shall not exceed $100 or the amount you paid us in the 12 months preceding the claim, whichever is greater.

9. Indemnification

You agree to indemnify, defend, and hold harmless Shared Fortunes, its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, costs, or expenses arising from:

• Your use of our website or services
• Your violation of these Terms
• Your violation of any third-party rights
• Any content you submit or transmit through our website

10. Privacy and Data Protection

Your privacy is important to us. Our collection and use of personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference. By using our website, you consent to our privacy practices as described in our Privacy Policy.

11. Modifications and Updates

11.1 Terms Updates

We reserve the right to modify these Terms at any time. We will notify users of material changes by:

• Posting updated Terms on our website
• Sending email notifications to subscribers
• Displaying prominent notices on our website

11.2 Continued Use

Your continued use of our website after any modifications constitutes acceptance of the updated Terms.

11.3 Service Changes

We may modify, suspend, or discontinue any aspect of our website or services at any time without prior notice.

12. Termination

12.1 Termination by You

You may stop using our website at any time. If you have subscribed to our newsletter, you may unsubscribe using the link provided in our emails.

12.2 Termination by Us

We may terminate or suspend your access to our website immediately, without prior notice, for any reason, including if you breach these Terms.

12.3 Effect of Termination

Upon termination, your right to use our website ceases immediately. Provisions that by their nature should survive termination shall survive, including intellectual property rights, disclaimers, and limitations of liability.

13. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of the State of Illinois, United States, without regard to its conflict of law provisions. Any disputes arising from these Terms or your use of our website shall be resolved in the courts of Illinois.

14. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary so that these Terms shall otherwise remain in full force and effect.

15. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Shared Fortunes regarding your use of our website and supersede all prior agreements and understandings.

16. Contact Information

If you have any questions about these Terms and Conditions, please contact us: