Conditions, Terms & Disclaimer

The financeglobe.com Web Site (the "Site") is an online information service provided by financeglobe.com (Finance Globe), subject to your compliance with the terms and conditions set forth below.

PLEASE READ THIS DOCUMENT CAREFULLY BEFORE ACCESSING OR USING THE SITE. BY ACCESSING OR USING THE SITE, YOU AGREE TO BE BOUND BY THE TERMS AND CONDITIONS SET FORTH BELOW. IF YOU DO NOT WISH TO BE BOUND BY THESE TERMS AND CONDITIONS, YOU MAY NOT ACCESS OR USE THE SITE. FINANCEGLOBE.COM MAY MODIFY THIS AGREEMENT AT ANY TIME, AND SUCH MODIFICATIONS SHALL BE EFFECTIVE IMMEDIATELY UPON POSTING OF THE MODIFIED AGREEMENT ON THE SITE. YOU AGREE TO REVIEW THE AGREEMENT PERIODICALLY TO BE AWARE OF SUCH MODIFICATIONS AND YOUR CONTINUED ACCESS OR USE OF THE SITE SHALL BE DEEMED YOUR CONCLUSIVE ACCEPTANCE OF THE MODIFIED AGREEMENT.

1. Copyright, Licenses and Idea Submissions.

The entire contents of the Site are protected by international copyright and trademark laws. The owner of the copyrights and trademarks are financeglobe.com, its affiliates or other third party licensors. YOU MAY NOT MODIFY, COPY, REPRODUCE, REPUBLISH, UPLOAD, POST, TRANSMIT, OR DISTRIBUTE, IN ANY MANNER, THE MATERIAL ON THE SITE, INCLUDING TEXT, GRAPHICS, CODE AND/OR SOFTWARE. You may print and download portions of material from the different areas of the Site solely for your own non-commercial use provided that you agree not to change or delete any copyright or proprietary notices from the materials. You agree to grant to financeglobe.com a non-exclusive, royalty-free, worldwide, perpetual license, with the right to sub-license, to reproduce, distribute, transmit, create derivative works of, publicly display and publicly perform any materials and other information (including, without limitation, ideas contained therein for new or improved products and services) you submit to any public areas of the Site (such as bulletin boards, forums and newsgroups) or by e-mail to financeglobe.com by all means and in any media now known or hereafter developed. You also grant to financeglobe.com the right to use your name in connection with the submitted materials and other information as well as in connection with all advertising, marketing and promotional material related thereto. You agree that you shall have no recourse against financeglobe.com for any alleged or actual infringement or misappropriation of any proprietary right in your communications to financeglobe.com.

TRADEMARKS

Publications, products, content or services referenced herein or on the Site are the exclusive trademarks or service marks of financeglobe.com. Other product and company names mentioned in the Site may be the trademarks of their respective owners.

2. Use of the Site.

You understand that, except for information, products or services clearly identified as being supplied by financeglobe.com, financeglobe.com does not operate, control or endorse any information, products or services on the Internet in any way. Except for financeglobe.com- identified information, products or services, all information, products and services offered through the Site or on the Internet generally are offered by third parties, that are not affiliated with financeglobe.com a. You also understand that financeglobe.com cannot and does not guarantee or warrant that files available for downloading through the Site will be free of infection or viruses, worms, Trojan horses or other code that manifest contaminating or destructive properties. You are responsible for implementing sufficient procedures and checkpoints to satisfy your particular requirements for accuracy of data input and output, and for maintaining a means external to the Site for the reconstruction of any lost data.

YOU ASSUME TOTAL RESPONSIBILITY AND RISK FOR YOUR USE OF THE SITE AND THE INTERNET. FINANCEGLOBE.COM PROVIDES THE SITE AND RELATED INFORMATION "AS IS" AND DOES NOT MAKE ANY EXPRESS OR IMPLIED WARRANTIES, REPRESENTATIONS OR ENDORSEMENTS WHATSOEVER (INCLUDING WITHOUT LIMITATION WARRANTIES OF TITLE OR NONINFRINGEMENT, OR THE IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE) WITH REGARD TO THE SERVICE, ANY MERCHANDISE INFORMATION OR SERVICE PROVIDED THROUGH THE SERVICE OR ON THE INTERNET GENERALLY, AND financeglobe.com SHALL NOT BE LIABLE FOR ANY COST OR DAMAGE ARISING EITHER DIRECTLY OR INDIRECTLY FROM ANY SUCH TRANSACTION. IT IS SOLELY YOUR RESPONSIBILITY TO EVALUATE THE ACCURACY, COMPLETENESS AND USEFULNESS OF ALL OPINIONS, ADVICE, SERVICES, MERCHANDISE AND OTHER INFORMATION PROVIDED THROUGH THE SERVICE OR ON THE INTERNET GENERALLY. FINANCEGLOBE.COM DOES NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED OR ERROR-FREE OR THAT DEFECTS IN THE SERVICE WILL BE CORRECTED.

YOU UNDERSTAND THAT NOT ALL OFFERS LISTED AT FINANCEGLOBE.COM ARE NOT THE PROPERTY OF FINANCEGLOBE.COM. FURTHERMORE, YOU AGREE TO READ AND ACCEPT THE TERMS AND CONDITIONS OF OFFERS BEFORE ACCEPTING AN OFFER OR SENDING PERSONAL INFORMATION THROUGH AN APPLICATION OUTSIDE OF FINANCEGLOBE.COM'S WEBSITE.

DATA IS CONSTANTLY UPDATED AS RATES AND FEES CHANGE. YOU AGREE TO VERIFY THIS INFORMATION FOR ANY OFFER YOU ARE CONSIDERING APPLYING FOR BEFORE SENDING PERSONAL INFORMATION ON THE FORM AT THE RELEVANT WEBSITE.

YOU UNDERSTAND FURTHER THAT THE PURE NATURE OF THE INTERNET CONTAINS UNEDITED MATERIALS SOME OF WHICH ARE SEXUALLY EXPLICIT OR MAY BE OFFENSIVE TO YOU. YOUR ACCESS TO SUCH MATERIALS IS AT YOUR RISK. FINANCEGLOBE.COM HAS NO CONTROL OVER AND ACCEPTS NO RESPONSIBILITY WHATSOEVER FOR SUCH MATERIALS.

YOU AGREE THAT CARD RATINGS ARE USED SOLELY FOR THE PURPOSE OF PERSONAL DATA. YOU AGREE TO VIEW THESE RATINGS WITH DISCRETION AND WILL NOTE THAT THE TEXT SUPPLIED ON THESE RATINGS ARE NOT OPINIONS OF FINANCEGLOBE.COM

LIMITATION OF LIABILITY

IN NO EVENT WILL FINANCEGLOBE.COM BE LIABLE FOR (I) ANY INCIDENTAL, CONSEQUENTIAL, OR INDIRECT DAMAGES (INCLUDING, BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, HARDSHIP, FEES, INTEREST RATES, CORRECT CREDIT CARD MATCHING, CALCULATIONS, ESTIMATES, BUSINESS INTERRUPTION, LOSS OF PROGRAMS OR INFORMATION, AND THE LIKE) ARISING OUT OF THE USE OF OR INABILITY TO USE THE SERVICE, OR ANY INFORMATION, OR TRANSACTIONS PROVIDED ON THE SERVICE, OR DOWNLOADED FROM THE SERVICE, OR ANY DELAY OF SUCH INFORMATION OR SERVICE. THE FREE PROGRAM PROVIDED BY FINANCEGLOBE.COM ("SCORE MATCH" AND "SAVINGS TOOL") IS NOT EXEMPT FROM THIS AGREEMENT. FURTHERMORE, FINANCEGLOBE.COM DOES NOT WARRANTY LIABILITY AGAINST THE USE OF CREDIT CARD MATCHES UNDER THIS SYSTEM. THE USER UNDERSTANDS THAT FINANCEGLOBE.COM MATCHES CREDIT CARDS BASED SOLELY ON ITS STAFF'S KNOWLEDGE FOR MATCHING APPROPRIATE CARDS FOR SPECIFIC SCORES. USE OF THIS SYSTEM IS AT THE USER'S OWN RISK BY ALLOWING FINANCEGLOBE.COM TO ONLY SUGGEST CARDS THAT ARE MORE LIKELY TO BE APPROVED FOR A CERTAIN CREDIT SCORE AND INSTITUTES NO LIABILITIES, INCLUDING, BUT NOT LIMITED TO THE POSSIBILITY OF LOWER INTEREST RATES, FEES, REWARDS, APPROVAL AND INCENTIVES FROM OTHER CREDIT CARD ISSUERS AND LENDERS.

SENSITIVE INFORMATION

THIS IS NOT THE TERMS AND CONDITIONS FOR FINANCIAL OFFERS CONTAINED IN THE FINANCE GLOBE'S DATABASE. PLEASE SEE WEBSITE AND / OR APPLICATION FOR SPECIFIC TERMS AND CONDITIONS.

ALL INFORMATION CONTAINED IN THE FINANCE GLOBE DATABASE SHOULD BE USED FOR INITIAL REFERENCE AND COMPARISON ONLY. THE DATA IS NOT A CONTRACT IN ANY WAY, SHAPE OR FORM. ALL APR'S, FEES, GRACE PERIODS, TIMELINES, OTHER INTEREST RATES, TEXT AND DETAILS ARE UPDATED AS FINANCE GLOBE RECEIVES SUCH NOTICE OF CHANGES OR FINDS THAT CHANGES IN THIS DATA HAVE OCCURRED - THESE SAID INPUTS SHOWN TO THE USER ARE FOR THE LOWEST POSSIBLE RATES, FEES AND TIMELINES AVAILABLE.

INFORMATION CONTAINED IN THE DATABASE SHOULD BE VERIFIED BEFORE APPLYING FOR ANY OFFER, WHICH CAN NORMALLY BE FOUND ON THE ISSUING OFFER'S TERMS AND CONDITIONS.

EVEN IF FINANCEGLOBE.COM OR ITS AUTHORIZED REPRESENTATIVES HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, OR (II) ANY CLAIM ATTRIBUTABLE TO ERRORS, OMISSIONS, OR OTHER INACCURACIES IN THE SERVICE AND/OR MATERIALS OR INFORMATION DOWNLOADED THROUGH THE SERVICE. BECAUSE SOME STATES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU. IN SUCH STATES, FINANCEGLOBE.COM LIABILITY IS LIMITED TO THE GREATEST EXTENT PERMITTED BY LAW.

financeglobe.com makes no representations whatsoever about any other web site which you may access through this one or which may link to this site. When you access a non-financeglobe.com web site, please understand that it is independent from financeglobe.com, and that financeglobe.com has no control over the content on that web site, including but not limited to: fees, interest rates, terms and conditions or other material. In addition, a link to a financeglobe.com web site does not mean that financeglobe.com endorses or accepts any responsibility for the content, or the use, of such web site.

CREDIT CARD RATES AND FEES

Rates shown include the most up to date annual percentage rates (APR) and annual fees in the Finance Globe card database, and may change several times daily. This information includes only the lowest possible fees and APRs available for each specific card. APR average does not include cards where APR is 0%, unless viewing offers in the secured card category. "Avg Annual Fees" contains the average of all annual fees in a specific category, even where the fee is $0. Annual fees do not include maintenance, processing, late, overdraft or miscellaneous fees. Monthly archives of these rates (beginning July 2005) will also be available.

3. Indemnification.

You agree to indemnify, defend and hold harmless financeglobe.com, its officers, directors, employees, agents, licensors, suppliers and any third party information providers to the Service from and against all losses, expenses, damages and costs, including reasonable attorneys' fees, resulting from any violation of this Agreement (including negligent or wrongful conduct) by you or any other person accessing the Service.

4. Third Party Rights.

The provisions of paragraphs 2 (Use of the Service), and 3 (Indemnification) are for the benefit of financeglobe.com and its officers, directors, employees, agents, licensors, suppliers, and any third party information providers to the Service. Each of these individuals or entities shall have the right to assert and enforce those provisions directly against you on its own behalf.

5.Term; Termination.

This Agreement may be terminated by either party without notice at any time for any reason. The provisions of paragraphs 1 (Copyright, Licenses and Idea Submissions), 2 (Use of the Service), 3 (Indemnification), 4 (Third Party Rights) and 6 (Miscellaneous) shall survive any termination of this Agreement.

6.Miscellaneous.

This Agreement shall all be governed and construed in accordance with the laws of The United States of America applicable to agreements made and to be performed in The United States of America. Financeglobe.com has financial relationships with some of the cards, loans, credit reports, insurance and similar services mentioned here, and financeglobe.com may be compensated if consumers choose to apply for these links in our content and ultimately sign up for them. You agree that any legal action or proceeding between financeglobe.com and you for any purpose concerning this Agreement or the parties' obligations hereunder shall be brought exclusively in a federal or state court of competent jurisdiction sitting in The United States of America . Any cause of action or claim you may have with respect to the Service must be commenced within one (1) year after the claim or cause of action arises or such claim or cause of action is barred. financeglobe.com's failure to insist upon or enforce strict performance of any provision of this Agreement shall not be construed as a waiver of any provision or right. Neither the course of conduct between the parties nor trade practice shall act to modify any provision of this Agreement. financeglobe.com may assign its rights and duties under this Agreement to any party at any time without notice to you.

Any rights not expressly granted herein are reserved.