Terms of Service

1. Acceptance of Terms

Welcome to ChurnVault. By accessing or using our website and services at churnvault.com (the "Service"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use the Service.

These Terms constitute a legally binding agreement between you and ChurnVault ("we," "us," or "our").

2. Description of Service

ChurnVault provides tools and resources to help users track credit card signup bonuses, bank account bonuses, and manufactured spending activities (collectively, the "Service"). Our Service includes:

• Churn tracking dashboard
• Recommendations for credit cards and bank bonuses
• Manufactured spending tracker
• Educational content about credit card churning
• Links to third-party offers (some may be affiliate links)

3. Eligibility

To use ChurnVault, you must:

• Be at least 18 years old
• Have the legal capacity to enter into binding contracts
• Provide accurate and complete registration information
• Not be prohibited from using the Service under applicable laws

By creating an account, you represent and warrant that you meet these eligibility requirements.

4. User Accounts

4.1 Account Creation

To access certain features, you must create an account. You agree to:

• Provide accurate, current information
• Maintain the security of your password
• Notify us immediately of unauthorized use
• Accept responsibility for all activities under your account

4.2 Account Termination

We reserve the right to suspend or terminate your account if:

• You violate these Terms
• You use the Service for fraudulent purposes
• You engage in abusive behavior
• Required by law

You may delete your account at any time through your account settings or by contacting us.

5. User Content and Conduct

5.1 Your Content

You retain ownership of any content you submit to ChurnVault (churn data, notes, etc.). By submitting content, you grant us a license to store, display, and process it to provide the Service.

5.2 Prohibited Conduct

You agree NOT to:

• Use the Service for illegal activities
• Impersonate others or provide false information
• Attempt to gain unauthorized access to our systems
• Interfere with the Service's operation
• Scrape, copy, or misuse our content
• Use automated tools (bots, scrapers) without permission
• Violate any applicable laws or regulations
• Engage in fraudulent credit card applications

6. Intellectual Property

6.1 Our Content

The Service, including its design, code, text, graphics, and logos, is owned by ChurnVault and 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 the Service for personal, non-commercial purposes.

6.3 Restrictions

You may not:

• Copy, modify, or distribute our content
• Reverse engineer or decompile the Service
• Remove copyright or proprietary notices
• Use our trademarks without permission

7. Affiliate Relationships and Third-Party Links

7.1 Affiliate Disclosure

ChurnVault participates in affiliate programs. When you click certain links and apply for financial products, we may earn a commission. This does not affect the price you pay or the terms of the offer.

7.2 Third-Party Services

The Service contains links to third-party websites and services. We are not responsible for:

• The content or accuracy of third-party sites
• Third-party privacy practices
• Third-party terms and conditions
• Credit approval or denial by financial institutions

7.3 No Endorsement

Inclusion of a link does not imply endorsement. We make no representations about third-party offers or their suitability for you.

8. Disclaimers

8.1 Not Financial Advice

ChurnVault is NOT a financial advisor. The information provided is for educational and tracking purposes only. We do not provide:

• Financial advice
• Credit counseling
• Investment advice
• Tax advice
• Legal advice

Always consult qualified professionals before making financial decisions.

8.2 No Guarantees

We do not guarantee:

• Credit card or loan approval
• Specific bonus amounts or terms
• Accuracy of third-party offers
• Financial outcomes
• Uninterrupted access to the Service

8.3 Risks of Churning

Credit card churning and manufactured spending carry risks including:

• Impact on credit score
• Account closures
• Bonus clawbacks
• Fees and interest charges
• Tax implications
• Relationship damage with banks

You acknowledge these risks and accept full responsibility for your financial decisions.

8.4 "AS IS" Basis

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.

9. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

ChurnVault and its owners, employees, and affiliates SHALL NOT BE LIABLE for any:

• Indirect, incidental, special, or consequential damages
• Loss of profits, revenue, or data
• Damages resulting from credit denials or account closures
• Damages from reliance on information provided
• Damages from third-party actions
• Damages exceeding $100 (or the amount you paid us in the last 12 months, whichever is greater)

Some jurisdictions do not allow limitations on implied warranties or liability, so these limitations may not apply to you.

10. Indemnification

You agree to indemnify, defend, and hold harmless ChurnVault and its affiliates from any claims, damages, losses, liabilities, and expenses (including attorney fees) arising from:

• Your use of the Service
• Your violation of these Terms
• Your violation of any laws or regulations
• Your credit card applications or financial activities
• Any content you submit

11. Privacy

Your use of the Service is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review our Privacy Policy to understand our data practices.

12. Changes to the Service and Terms

12.1 Service Changes

We reserve the right to:

• Modify or discontinue the Service at any time
• Change features or functionality
• Impose usage limits

We will make reasonable efforts to notify you of material changes.

12.2 Terms Changes

We may update these Terms by:

• Posting revised Terms on this page
• Updating the "Last Updated" date
• Notifying you via email for material changes

Continued use of the Service after changes constitutes acceptance of the new Terms.

13. Governing Law and Disputes

13.1 Governing Law

These Terms are governed by the laws of [Your State], United States, without regard to conflict of law principles.

13.2 Dispute Resolution

If you have a dispute with us, please contact us first at support@churnvault.com to attempt informal resolution.

13.3 Arbitration

Any unresolved disputes shall be settled by binding arbitration in accordance with the rules of the American Arbitration Association. Arbitration shall take place in [Your Location].

13.4 Class Action Waiver

You agree to resolve disputes individually and waive the right to participate in class actions or class arbitrations.

14. General Provisions

14.1 Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and ChurnVault.

14.2 Severability

If any provision of these Terms is found invalid, the remaining provisions will continue in full effect.

14.3 No Waiver

Our failure to enforce any right or provision does not constitute a waiver of that right.

14.4 Assignment

You may not assign or transfer these Terms. We may assign these Terms without restriction.

14.5 Force Majeure

We are not liable for delays or failures due to circumstances beyond our reasonable control.

15. Contact Information

Questions about these Terms? Contact us:

• Email: support@churnvault.com
• Website: churnvault.com

16. Acknowledgment

BY USING CHURNVAULT, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS OF SERVICE.