1. Acceptance of Terms
Welcome to AllRewards. These Terms of Service ("Terms") govern your access to and use of the AllRewards website located at allrewards.net (the "Site"), operated by AllRewards ("we," "us," or "our").
By accessing or using our Site, you agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, you must not access or use the Site.
You represent that you are at least 18 years of age and have the legal capacity to enter into these Terms. If you are accessing the Site on behalf of an organization, you represent that you have the authority to bind that organization to these Terms.
2. Access to the Site
We grant you a limited, non-exclusive, non-transferable, and revocable license to access and use the Site for your personal, non-commercial use, subject to these Terms.
You agree not to:
- Use any automated system, including bots, scrapers, or spiders, to access the Site
- Attempt to reverse engineer, decompile, or disassemble any portion of the Site
- Use the Site for any competitive purpose or to build a similar or competing service
- Circumvent, disable, or interfere with security-related features of the Site
- Access the Site through any means other than the interface we provide
- Reproduce, distribute, or create derivative works from Site content without permission
We reserve the right to modify, suspend, or discontinue the Site (or any part thereof) at any time without notice. We shall not be liable to you or any third party for any modification, suspension, or discontinuance of the Site.
3. User Conduct
When using our Site, you agree to comply with all applicable laws and regulations. You further agree not to:
- Upload or transmit any malware, viruses, or other malicious code
- Engage in any activity that disrupts or interferes with the Site
- Harvest or collect information about other users without consent
- Use the Site to send spam or unsolicited communications
- Impersonate any person or entity or misrepresent your affiliation
- Engage in any fraudulent, abusive, or illegal activity
- Violate the intellectual property rights of others
- Attempt to gain unauthorized access to any portion of the Site
4. Content and Information
Educational Purpose
AllRewards provides credit card comparison information and rewards data for educational and informational purposes only. The information on our Site is not intended to be, and should not be construed as, financial, legal, or professional advice.
No Guarantee of Accuracy
While we strive to provide accurate and up-to-date information, credit card terms, rewards rates, and benefits change frequently. We do not guarantee the accuracy, completeness, or timeliness of any information on the Site. You should always verify details directly with credit card issuers before making any financial decisions.
Not a Credit Card Issuer
AllRewards is not a credit card issuer, bank, or financial institution. We do not process credit card applications, make lending decisions, or have access to your financial accounts. Any application you submit will be processed directly by the respective credit card issuer.
5. Intellectual Property
The Site and its entire contents, features, and functionality (including but not limited to all information, software, text, displays, images, graphics, and the design, selection, and arrangement thereof) are owned by AllRewards, its licensors, or other providers and are protected by copyright, trademark, and other intellectual property laws.
The AllRewards name, logo, and all related names, logos, product and service names, designs, and slogans are trademarks of AllRewards. You must not use such marks without our prior written permission.
Credit card names, logos, and images are trademarks of their respective issuers and are used for identification purposes only. AllRewards is not affiliated with or endorsed by any credit card issuer unless explicitly stated.
6. Third-Party Links and Services
The Site may contain links to third-party websites, including credit card issuer websites, that are not owned or controlled by AllRewards. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services.
When you click on a link to a third-party website, you leave our Site and are subject to the terms and privacy policies of that third-party website. We encourage you to read the terms and privacy policies of every website you visit.
Affiliate Relationships
AllRewards may receive compensation from credit card issuers when you click on links or apply for credit cards through our Site. This compensation helps us provide our services free of charge. Our editorial content is independent and not influenced by our affiliate relationships. However, the compensation we receive may affect how and where products appear on our Site.
7. Disclaimers
THE SITE AND ALL CONTENT, MATERIALS, AND INFORMATION AVAILABLE THROUGH THE SITE ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.
To the fullest extent permitted by law, AllRewards disclaims all warranties, express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement.
We do not warrant that:
- The Site will be available at all times or operate without interruption
- The information on the Site is accurate, complete, reliable, or current
- The Site is free of viruses or other harmful components
- Any errors or defects will be corrected
- The results obtained from using the Site will meet your requirements
8. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, ALLREWARDS AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, OR GOODWILL, ARISING OUT OF OR RELATED TO YOUR USE OF THE SITE.
In no event shall our total liability to you for all claims arising out of or related to the Site exceed fifty dollars ($50 USD).
Some jurisdictions do not allow the exclusion or limitation of certain damages, so some of the above limitations may not apply to you. In such cases, our liability will be limited to the maximum extent permitted by applicable law.
9. Indemnification
You agree to indemnify, defend, and hold harmless AllRewards and its officers, directors, employees, agents, and affiliates from and against any and all claims, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or related to: (a) your use of the Site; (b) your violation of these Terms; (c) your violation of any rights of another party; or (d) your violation of any applicable law or regulation.
10. Termination
We may terminate or suspend your access to the Site immediately, without prior notice or liability, for any reason, including if you breach these Terms.
Upon termination, your right to use the Site will immediately cease. All provisions of these Terms that by their nature should survive termination shall survive, including ownership provisions, warranty disclaimers, indemnification, and limitations of liability.
11. Governing Law and Disputes
These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, United States, without regard to its conflict of law provisions.
Any dispute arising out of or relating to these Terms or the Site shall be resolved through binding arbitration in accordance with the American Arbitration Association's rules. The arbitration shall take place in Delaware, and the arbitrator's decision shall be final and binding.
YOU AGREE THAT ANY DISPUTE RESOLUTION PROCEEDINGS WILL BE CONDUCTED ONLY ON AN INDIVIDUAL BASIS AND NOT IN A CLASS, CONSOLIDATED, OR REPRESENTATIVE ACTION. You waive any right to a jury trial and to participate in a class action lawsuit or class-wide arbitration.
12. Changes to Terms
We reserve the right to modify these Terms at any time. We will notify you of any material changes by posting the new Terms on this page and updating the "Last Updated" date.
Your continued use of the Site after any changes to these Terms constitutes your acceptance of the revised Terms. We encourage you to review these Terms periodically. If you do not agree to the modified Terms, you must stop using the Site.
Severability
If any provision of these Terms is held to be invalid or unenforceable, such provision shall be struck and the remaining provisions shall be enforced to the fullest extent under law.
Entire Agreement
These Terms, together with our Privacy Policy, constitute the entire agreement between you and AllRewards regarding the use of the Site and supersede all prior agreements and understandings.