Terms of Service

By accessing and using Practical Rewards ("the Service"), you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.

Practical Rewards provides educational content, tools, and general advice about credit cards and personal finance. Our service includes:

• Educational articles and guides about credit cards
• Interactive tools like our annual fee calculator
• General advice and recommendations
• Information about credit card benefits and features

Important: The information provided on this website is for educational and informational purposes only. It is not intended to be and should not be construed as financial advice, investment advice, or any other type of professional advice.

We are not:

• Financial advisors or financial planners
• Credit counselors
• Investment professionals
• Legal professionals

Always consult with qualified professionals before making financial decisions.

When using our service, you agree to:

• Use the information responsibly and at your own risk
• Not rely solely on our content for financial decisions
• Verify information independently before acting on it
• Use the service in compliance with applicable laws
• Not attempt to gain unauthorized access to our systems
• Not use the service for any illegal or harmful purposes

While we strive to provide accurate and up-to-date information:

• Credit card terms and conditions change frequently
• Information may become outdated
• We cannot guarantee the accuracy of all information
• You should verify current terms with credit card issuers

We make no representations or warranties about the accuracy, completeness, or reliability of any information on this website.

To the fullest extent permitted by applicable law, Practical Rewards shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from:

• Your use of the service
• Any financial decisions made based on our content
• Any errors or omissions in our information
• Any interruption or cessation of the service

The content on this website, including but not limited to text, graphics, images, logos, and software, is the property of Practical Rewards and is protected by copyright and other intellectual property laws.

You may not reproduce, distribute, modify, or republish materials from this website without our prior written consent.

Our website may contain links to third-party websites. We are not responsible for the content, privacy policies, or practices of any third-party websites. Links to third-party websites do not constitute an endorsement or recommendation.

Your privacy is important to us. Please review our Privacy Policy, which also governs your use of the service.

We reserve the right to modify these terms at any time. We will notify users of any material changes by updating the "Last Updated" date at the top of this page. Your continued use of the service after any changes constitutes acceptance of the new terms.

We may terminate or suspend your access to the service immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the terms.

These terms shall be governed by and construed in accordance with the laws of the United States, without regard to its conflict of law provisions.

If you have any questions about these terms, please contact us at contact@practicalrewards.com.