Last updated: September 5, 2025
Welcome to WalletAware (“WalletAware,” “we,” “us,” or “our”). These Terms of Service (“Terms”) govern your access to and use of walletaware.org and any newsletters, tools, or services we provide (collectively, the “Site”). By accessing or using the Site, you agree to these Terms and our Privacy Policy. If you do not agree, do not use the Site.
1) Who may use the Site
You must be at least 13 years old to use the Site. By using the Site, you represent that you have the legal capacity to enter into these Terms and will comply with all applicable laws.
2) Informational use only (not financial advice)
WalletAware provides educational content. We are not a bank, broker, financial planner, or tax advisor, and nothing on the Site is personalized financial, legal, or tax advice. Always evaluate whether a product is appropriate for your situation and verify current terms on the issuer’s website before applying or transferring points. Approval odds, credit limits, rewards, and fees are determined by issuers—not by us.
3) Accounts, email subscriptions, and communications
You may subscribe to newsletters or create an account if we offer one. You agree to:
- provide accurate information and keep it current,
- maintain the security of your login (if any), and
- accept responsibility for all activity under your account.
You can unsubscribe from marketing emails at any time (see our Privacy Policy for details).
4) Affiliate relationships & sponsorships
Some links on the Site are affiliate links. If you use them, we may earn a commission. This does not affect our editorial opinions or the price you pay, but it helps support our work. We may also publish clearly labeled sponsored content. We strive for accurate, independent reviews; however, issuers can change offer terms at any time, and the issuer’s website controls.
5) Intellectual property & your license to use the Site
The Site and its contents—including text, graphics, logos, icons, images, videos, tools, and the WalletAware name and logo—are owned by WalletAware or our licensors and are protected by intellectual property laws.
We grant you a limited, nonexclusive, nontransferable, revocable license to access and use the Site for personal, noncommercial purposes. You may not copy, modify, distribute, mirror, frame, scrape, mine, or create derivative works from the Site or its content without our prior written permission.
6) User content; feedback
If you submit comments, reviews, messages, or other content (“User Content”), you represent that you have the necessary rights to do so and that your content is accurate and lawful. You grant WalletAware a worldwide, royalty-free, perpetual, irrevocable, sublicensable license to use, reproduce, modify, publish, translate, and display your User Content in connection with operating, improving, and promoting the Site.
We may, but have no obligation to, monitor or remove User Content at our discretion.
7) Prohibited activities
You agree not to:
- use the Site for any unlawful purpose or in violation of these Terms;
- attempt to interfere with, disrupt, or compromise the security or integrity of the Site or its users;
- use any robot, spider, scraper, or other automated means to access the Site without our prior written permission;
- reverse engineer or attempt to derive the source code of any portion of the Site;
- submit false, misleading, infringing, defamatory, or harmful content;
- impersonate any person or entity or misrepresent your affiliation.
8) Third-party links, offers, and tools
The Site links to third-party websites, products, and services (e.g., banks, card issuers, travel partners, calculators). We do not control and are not responsible for third-party content, accuracy, or practices. Your dealings with third parties are solely between you and them, and their terms and privacy policies apply.
9) No warranties
THE SITE AND ALL CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE.” TO THE MAXIMUM EXTENT PERMITTED BY LAW, WALLET AWARE AND ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING ANY WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.
We do not warrant that the Site will be uninterrupted, secure, or error-free, that defects will be corrected, or that content will always be accurate, complete, or current.
10) Limitation of liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, WALLET AWARE AND ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, LICENSORS, AND PARTNERS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, GOODWILL, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR RELATED TO YOUR USE OF (OR INABILITY TO USE) THE SITE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
TO THE EXTENT ANY LIABILITY IS FOUND, OUR TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS WILL NOT EXCEED THE GREATER OF (A) $100 OR (B) THE AMOUNT YOU PAID TO US (IF ANY) FOR ACCESSING THE SITE IN THE 12 MONTHS PRECEDING THE CLAIM.
Some jurisdictions do not allow certain limitations; in those cases, the above limits apply to the fullest extent permitted.
11) Indemnification
You agree to defend, indemnify, and hold harmless WalletAware and our affiliates, officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys’ fees) arising out of or related to your use of the Site, your User Content, or your violation of these Terms or applicable law.
12) Termination and suspension
We may suspend or terminate your access to the Site (including any account) at any time, with or without notice, for any reason, including suspected violations of these Terms. Upon termination, sections that by their nature should survive (e.g., IP, disclaimers, limitations of liability, indemnity, and governing law) will survive.
13) Governing law; venue
These Terms are governed by the laws of the State of California, without regard to conflict-of-laws principles. You agree to the exclusive jurisdiction and venue of the state and federal courts located in San Francisco County, California for any dispute that is not subject to arbitration (if applicable).
14) Dispute resolution; arbitration (optional but recommended)
At our or your election, any dispute arising out of or relating to these Terms or the Site will be resolved by binding arbitration on an individual basis, and not in a class, representative, or consolidated action. If elected:
- Arbitration will be administered by JAMS (or another mutually agreed administrator) under its Streamlined Arbitration Rules.
- The seat of arbitration will be San Francisco, California; the language will be English.
- The arbitrator may award individual relief but may not consolidate claims or preside over any form of class or representative proceeding.
Exception: You and we may seek temporary or injunctive relief in court to protect confidential information or intellectual property.
(If you prefer court-only dispute resolution, remove this Section 14 before publishing.)
15) Privacy
Your use of the Site is also governed by our Privacy Policy. Please review it to understand how we collect, use, and share information.
16) DMCA / copyright complaints
If you believe content on the Site infringes your copyright, please send a notice that includes all elements required by 17 U.S.C. §512(c)(3) to our designated agent:
DMCA Agent
Email: [email protected]
We may remove content and terminate repeat infringers as appropriate.
17) Changes to the Site or these Terms
We may update the Site and these Terms from time to time. When we do, we will revise the “Last updated” date above and, where required, provide additional notice. Your continued use of the Site after changes become effective constitutes acceptance of the updated Terms.
18) Miscellaneous
- Entire agreement. These Terms, together with the Privacy Policy, are the entire agreement between you and us regarding the Site.
- Severability. If any provision is found unenforceable, the remaining provisions will remain in full force and effect.
- No waiver. Our failure to enforce any provision is not a waiver of our right to do so later.
- Assignment. You may not assign these Terms without our prior written consent. We may assign them to an affiliate or in connection with a merger, acquisition, or sale of assets.
- Force majeure. We are not liable for delays or failures caused by events beyond our reasonable control (e.g., acts of God, internet outages, labor disputes).
19) Contact us
Questions about these Terms?
Email: [email protected]