Terms of Service

By accessing or using the GrowByCredit website at growbycredit.com (the "Site"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use the Site.

These Terms apply to all visitors, users, and others who access or use the Site. You must be at least 13 years of age to use this Site. By using the Site, you represent that you meet this requirement.

GrowByCredit provides free, educational financial content and interactive tools, including but not limited to:

• Credit card comparison and research tools
• An AI-powered chat assistant for credit card information and general financial education
• Mortgage calculators
• Retirement planning calculators
• Credit score education and guides
• Financial literacy articles and resources

All content and tools are provided for informational and educational purposes only.

Your use of the Site is also governed by our Privacy Policy, which describes how we collect, use, and protect information, including our use of analytics cookies. By using the Site, you acknowledge that you have read and understood our Privacy Policy.

You should always consult with a qualified financial professional, tax advisor, or legal counsel before making any financial decisions. GrowByCredit expressly disclaims any responsibility for decisions made based on information found on this Site.

Your use of the Site does not create a fiduciary, advisory, professional, or any other relationship between you and GrowByCredit. We do not provide personalized financial recommendations or advice. The content on this Site is general in nature and may not be suitable for your specific financial situation.

GrowByCredit makes reasonable efforts to ensure that the information on the Site is accurate and up to date. However, we do not warrant or guarantee the accuracy, completeness, reliability, or timeliness of any information displayed on the Site.

Credit card terms, interest rates, fees, rewards programs, and other financial product details are sourced from third parties and publicly available information. These details may change at any time without notice. Always verify terms directly with the financial product issuer before making any decisions.

The calculators and interactive tools on the Site provide estimates only. Results are based on the inputs you provide and the assumptions built into each tool. Actual outcomes may differ significantly due to factors including but not limited to:

• Changes in interest rates, tax laws, or market conditions
• Individual financial circumstances not captured by the tools
• Rounding, simplifications, and modeling assumptions
• Fees, penalties, or other costs not included in calculations

Any projections, forecasts, or estimates generated by our tools are hypothetical in nature, do not reflect actual investment results, and are not guarantees of future performance. Past performance does not guarantee future results. Calculator results should not be interpreted as financial advice, guarantees, or commitments. They are intended as starting points for further research and professional consultation.

The AI assistant ("CardFinder AI") is powered by third-party artificial intelligence technology. By using the AI assistant, you agree to the following additional terms:

Nature of AI Responses

• The AI assistant provides educational information only. It is not a financial advisor, and its responses do not constitute financial, investment, legal, or tax advice.
• AI-generated responses may contain errors, inaccuracies, or outdated information. You should independently verify all information before relying on it.
• The AI assistant cannot predict credit card approval outcomes or make personalized financial recommendations based on your individual circumstances.

Data Processing

• Chat messages are processed by GrowByCredit's servers and a third-party AI provider (Google). See our Privacy Policy for details.
• Chat sessions are temporary and automatically deleted after 24 hours.

Acceptable Use

When using the AI assistant, you agree not to:

• Submit sensitive personal information, including Social Security numbers, credit card numbers, bank account numbers, or passwords
• Attempt to manipulate, abuse, or exploit the AI assistant through prompt injection, adversarial inputs, or any other technique intended to alter its behavior
• Use the AI assistant for any unlawful purpose or in violation of these Terms
• Use the AI assistant to generate content that is defamatory, harassing, abusive, or otherwise objectionable

Limitation of Liability for AI Content

GrowByCredit expressly disclaims all liability for any loss, damage, or harm resulting from your reliance on AI-generated responses. The AI assistant's responses do not represent the views or recommendations of GrowByCredit. You assume all risk associated with your use of the AI assistant.

The Site contains links to third-party websites, including credit card issuer websites and other financial service providers. These links are provided for your convenience and informational purposes only.

GrowByCredit does not control, endorse, or assume responsibility for the content, privacy policies, or practices of any third-party websites. By clicking on a third-party link, you acknowledge that you are leaving the GrowByCredit Site and that your use of the third-party website is subject to that website's own terms and conditions.

When you click an "Apply Now" button or similar link to a credit card issuer or financial institution, you are initiating a relationship directly with that third party. GrowByCredit is not a party to any application, agreement, or transaction between you and any third-party issuer. We do not guarantee approval, terms, or any outcomes related to your application.

All content on the Site, including but not limited to text, graphics, logos, icons, images, audio, video, software, and the design and arrangement thereof, is the property of GrowByCredit or its content suppliers and is protected by United States and international copyright, trademark, and other intellectual property laws.

You may not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any content from the Site without prior written consent, except for personal, non-commercial use.

All third-party brand names, logos, and trademarks referenced on the Site are the property of their respective owners. Their use on this Site is for informational reference only and does not imply any affiliation, sponsorship, or endorsement.

THE SITE AND ALL CONTENT, TOOLS, CALCULATORS, AND INFORMATION ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, AND NON-INFRINGEMENT.

GROWBYCREDIT DOES NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. YOUR USE OF THE SITE IS AT YOUR SOLE RISK.

To the fullest extent permitted by applicable law, GrowByCredit and its officers, directors, employees, agents, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, use, goodwill, or other intangible losses, resulting from:

• Your access to or use of (or inability to access or use) the Site
• Any content, information, or tools provided on the Site
• Any financial decisions made based on information found on the Site
• Unauthorized access to or alteration of your data
• Any third-party conduct or content, including third-party websites linked from the Site

In no event shall GrowByCredit's total aggregate liability to you for all claims arising out of or related to your use of the Site exceed one hundred dollars ($100.00).

This limitation applies regardless of the legal theory on which the claim is based, whether or not GrowByCredit has been advised of the possibility of such damages.

You agree to indemnify, defend, and hold harmless GrowByCredit and its officers, directors, employees, agents, and affiliates from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or in connection with your use of the Site, your violation of these Terms, or your violation of any rights of another party.

We reserve the right to restrict, suspend, or terminate your access to the Site at any time, for any reason, without notice or liability.

These Terms shall be governed by and construed in accordance with the laws of the State of North Carolina, without regard to its conflict of law provisions. Any legal action or proceeding arising under these Terms shall be brought exclusively in the federal or state courts located in the State of North Carolina, and you consent to personal jurisdiction in such courts.

Severability: If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.

Entire Agreement: These Terms, together with the Privacy Policy, constitute the entire agreement between you and GrowByCredit regarding your use of the Site.

Waiver: The failure of GrowByCredit to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision.

We reserve the right to modify these Terms at any time. Any changes will be posted on this page with an updated effective date. Your continued use of the Site after any changes constitutes acceptance of the revised Terms.

We encourage you to review these Terms periodically to stay informed of any updates.

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

Email: contact@growbycredit.com