Terms of Use.

1. Acceptance of terms

These Terms of Use (“Terms”) govern your access to and use of the ClearValue Money website at clearvaluemoney.com and any related corporate content (collectively, the “Site”), provided by ClearValue Money (“ClearValue Money,” “we,” “our,” “us”). By accessing or using the Site, you agree to be bound by these Terms. If you do not agree, do not use the Site.

2. What ClearValue Money is — and is not

ClearValue Money is an independent media and holding company and the corporate parent of the ClearValue family of publishers. The corporate site publishes information about the company, its brands, its editorial standard, and how the family earns. We are not a bank, lender, card issuer, credit union, broker, or financial advisor, and we do not extend credit, issue cards, underwrite, approve, deny, or service any financial product.

Our brands — ClearValue Lending, ClearValue Cards, and ClearValue Books — are independent publishers, not lenders or issuers. Each operates its own site under its own terms and its own editorial process. Any product, rate, offer, account, approval, or denial described anywhere in the family is provided solely by the relevant third-party lender, issuer, or provider — not by ClearValue Money. Any agreement you enter for a financial product is directly between you and that provider, and ClearValue Money is not a party to it.

3. Corporate content only; no offer and no advice

All content on the Site is provided for general informational and educational purposes only. Nothing on the Site is an offer, solicitation, or commitment to extend credit or provide any financial product, and nothing on the Site is personalized financial, credit, investment, legal, tax, or accounting advice. Your circumstances are unique; you should consult qualified professionals about your specific situation. ClearValue Money does not act as your fiduciary, adviser, counselor, attorney, or broker, and no advisory or fiduciary relationship is created by your use of the Site.

4. Third-party sites and links

The Site links to the ClearValue brand sites and to other third-party websites that we may not operate. ClearValue Money does not endorse, guarantee, or assume responsibility for any third party’s products, services, websites, or actions. When you leave the Site, that company’s own terms and policies govern. Read every applicable agreement in full and verify all figures directly with the relevant provider before acting.

5. How the family earns

ClearValue Money is the corporate parent; it does not itself sell financial products. Its brands earn in disclosed ways — stated on the page where the money is made. How each brand earns, and the wall between its review desk and its revenue, is described on our How we make money page and in each brand’s own disclosures.

6. Acceptable use; prohibited conduct

ClearValue Money grants you a limited, non-exclusive, non-transferable, revocable license to access and use the Site for its intended personal, non-commercial purpose. You agree not to:

• Use the Site for any unlawful, fraudulent, or unauthorized purpose;
• Interfere with, disrupt, or attempt to gain unauthorized access to the Site or related systems;
• Scrape, crawl, harvest, or otherwise systematically extract content from the Site without our prior written consent;
• Reverse engineer, decompile, or attempt to derive the source code of any part of the Site;
• Use the Site to transmit malware, viruses, or other harmful code;
• Impersonate any person or entity, or misrepresent your affiliation with a person or entity; or
• Use the Site in any manner that violates applicable law or these Terms.

7. Intellectual property

The Site, including all text, graphics, logos, and software, is owned by or licensed to ClearValue Money and is protected by U.S. and international intellectual property laws. “ClearValue,” “ClearValue Money,” and our logos are trademarks of ClearValue Money. Third-party names, logos, and marks are the property of their respective owners and are used for identification and editorial purposes only; their use does not imply endorsement. You may not use our trademarks without our prior written permission. Aside from the limited license in Section 6, no other rights or licenses are granted to you.

8. Disclaimer of warranties

THE SITE IS PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY LAW, CLEARVALUE MONEY DISCLAIMS ALL WARRANTIES, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, ACCURACY, AND UNINTERRUPTED OR ERROR-FREE OPERATION. CLEARVALUE MONEY DOES NOT WARRANT THAT ANY INFORMATION PROVIDED THROUGH THE SITE IS COMPLETE, ACCURATE, OR CURRENT.

9. Limitation of liability

TO THE FULLEST EXTENT PERMITTED BY LAW, IN NO EVENT WILL CLEARVALUE MONEY OR ITS OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUES, DATA, OR GOODWILL, ARISING OUT OF OR IN CONNECTION WITH THE SITE, ANY CONTENT, OR ANY PRODUCT YOU OBTAIN FROM A THIRD PARTY AFTER USING THE SITE, EVEN IF CLEARVALUE MONEY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

IN NO EVENT WILL CLEARVALUE MONEY’S AGGREGATE LIABILITY ARISING OUT OF OR IN CONNECTION WITH THE SITE EXCEED ONE HUNDRED U.S. DOLLARS ($100). NOTHING IN THESE TERMS LIMITS OR EXCLUDES LIABILITY THAT CANNOT BE LIMITED OR EXCLUDED UNDER APPLICABLE LAW, INCLUDING LIABILITY FOR FRAUD, FRAUDULENT MISREPRESENTATION, GROSS NEGLIGENCE, WILLFUL MISCONDUCT, OR PERSONAL INJURY. SOME JURISDICTIONS DO NOT ALLOW CERTAIN LIMITATIONS OF LIABILITY, SO SOME OF THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU.

10. Indemnification

You agree to indemnify, defend, and hold harmless ClearValue Money and its officers, directors, employees, agents, and affiliates from and against any third-party claims, liabilities, losses, damages, costs, and expenses (including reasonable attorneys’ fees) arising out of or in connection with: (a) your use or misuse of the Site; (b) your violation of these Terms or applicable law; or (c) any content you submit through the Site. ClearValue Money may, at its option, assume the exclusive defense and control of any matter subject to indemnification by you, in which case you agree to cooperate with our defense.

11. Binding arbitration; class-action waiver

Please read this Section carefully. It affects your legal rights.

Any dispute, claim, or controversy arising out of or relating to these Terms or your use of the Site (collectively, “Disputes”) will be resolved exclusively through final and binding arbitration administered by the American Arbitration Association (“AAA”) under its Consumer Arbitration Rules. The arbitration will be conducted by a single arbitrator, will take place in the county of your residence or by videoconference, and will be governed by the Federal Arbitration Act.

Class-action waiver. You and ClearValue Money agree that each may bring claims against the other only in an individual capacity, and not as a plaintiff or class member in any purported class, collective, consolidated, or representative proceeding. The arbitrator may not consolidate more than one person’s claims and may not preside over any form of representative or class proceeding. If this class-action waiver is found unenforceable, then the entirety of this Section 11 will be null and void, but the rest of the Terms will continue to apply.

Exceptions. Notwithstanding the foregoing, either party may (a) bring an individual claim in small-claims court for Disputes within that court’s jurisdiction; or (b) seek injunctive or equitable relief in a court of competent jurisdiction to protect intellectual property rights or stop unauthorized use of the Site pending arbitration.

30-day right to opt out. You may opt out of this arbitration agreement by sending written notice to hello@clearvaluemoney.com within thirty (30) days after first agreeing to these Terms. Your notice must include your name, the email address you used in connection with the Site, and a clear statement that you wish to opt out of arbitration. Opting out will not affect the other provisions of these Terms.

Survival. This Section 11 survives termination of these Terms or your relationship with ClearValue Money.

12. Governing law and venue

These Terms are governed by the laws of the State of Delaware, without regard to its conflict-of-laws principles. Subject to Section 11, any judicial proceeding to enforce an arbitration award or seek the limited equitable relief permitted by Section 11 must be brought exclusively in the state or federal courts located in Wilmington, Delaware, and you consent to the exclusive jurisdiction and venue of those courts.

13. Termination

We may suspend or terminate your access to all or part of the Site at any time, with or without notice, including for violation of these Terms or where required by law. You may stop using the Site at any time. Provisions of these Terms that by their nature should survive termination — including Sections 6 through 12 — will survive.

14. Changes to these Terms

We may update these Terms from time to time. We will post the updated Terms on this page and update the “Effective” date above. Material changes will be communicated through reasonable means, which may include posting a prominent notice on our site. Your continued use of the Site after changes become effective constitutes acceptance of the updated Terms.

15. Miscellaneous

• Entire agreement. These Terms (together with any policies referenced in them) constitute the entire agreement between you and ClearValue Money regarding the Site.
• Severability. If any provision of these Terms is found unenforceable, the remaining provisions will remain in full force and effect.
• No waiver. Our failure to enforce any provision of these Terms is not a waiver of that provision.
• Assignment. You may not assign these Terms without our prior written consent. We may assign these Terms without restriction, including in connection with a merger, acquisition, financing, sale of assets, or similar corporate transaction.
• Force majeure. ClearValue Money is not responsible for delays or failures to perform caused by events beyond our reasonable control.
• Headings. Section headings are for convenience and do not affect interpretation.

16. Contact

For questions about these Terms, contact us at hello@clearvaluemoney.com.