Top5CreditCards.com

Terms of Service

We agree to provide you access to our website in accordance with the Terms of Service. You should carefully read the Terms of Service before using our website. By accessing this website you are indicating your acknowledgement and acceptance of these Terms of service.

These Terms of Service are subject to change at any time. Your use of this website after such changes constitutes your acknowledgement and acceptance of the changes. By visiting or interacting with this website in any manner you are agreeing to all the provisions of this Terms of Service policy and the Privacy Policy of this website.

Website Access

ALL PERSONS UNDER THE AGE OF 18 ARE DENIED ACCESS TO THIS WEBSITE. THIS WEBSITE SPECIFICALLY DENIES ACCESS TO ANYONE THAT IS COVERED BY THE CHILD ONLINE PRIVACY ACT OF 1998 (COPA). DUE TO THE AGE RESTRICTIONS FOR USE OF THIS WEBSITE, NO INFORMATION OBTAINED BY THIS WEBSITE FALLS WITHIN THE CHILD ONLINE PRIVACY ACT AND IS NOT MONITORED AS DOING SO.

To access this website or some of its resources you may be asked to provide certain registration details. It is a condition of your use of this website that information you provide be true and correct. We reserve the right to deny access to any one for any reason.

Restrictions on Use of Information

You may use this website for purposes expressly permitted by us. You are authorized to download or print one copy of the material of our website for your personal, non-commercial use only, but you may not in so doing remove, use, or amend any trademark, copyright or other proprietary notice. You may not use this website for any other purpose, including commercial purpose without our express prior written consent. For example, you may not frame or display a name, logo, trademark or other means of identification of any party in such a manner as is to give a user the impression that you have the right o display, publish, or distribute this website or its content.

Ownership and Proprietary Information

Contents and material contained on this website must be presumed to be proprietary, copyrighted and owned by the website or the party that provide the content to our website. Therefore the content may not be copied, distributed or republished in any way without our prior written consent unless authorized elsewhere in writing on our website. You may, as previously stated, download or print a copy of our content solely for your personal use.

Hyperlinks, Framing and Co-Branding

Where we may provide hyperlinks to other websites we do so for educational and informational purposes only. Hyperlinks to such sites are provided as a service to users. We are not responsible for the content of those sites. We make no representations or warranties about the content or accuracy of these hyperlinks or the sites. Hyperlinks are to be accessed at the users own risk. The inclusion of a hyperlink to a third party does not necessarily imply endorsement by us of that site. Framing or co-branding of this website is forbidden without  express prior written consent.

Submissions

All submissions, that is any communications between you and this website shall become the exclusive property of the website and may be used, without further permission, for commercial use without additional consideration of any kind. You agree to submit or communicate to us only information which you wish to forever allow us to use in any manner as we see fit. Any personal information that you submit through this website will be respected and treated in accordance with our Privacy Policy.

Disclaimer

You accept our website is provided on an "as is, as available" basis without warranties of any kind, either expressed or implied. All articles and material displayed by us on our website are for informational purposes only and are no substitute for specific advice.

You use this site at your own risk. We assume no responsibility for damage to computers or software from interacting with this website or its contents. You assume all risk of viruses, worms or other malicious factors. We cannot and do not guarantee or warrant that files available from this website will be free of viruses, worms, Trojan horses or other malicious code. We do not assume any responsibility or risk for your use of the Internet or this website.

Limitation of Liability

By viewing, using, or interacting in any way with this website, including banners, advertising, pop-ups or downloads, and as a condition of the website to allow lawful viewing, you forever waive all right of claims of damage of any and all description. This website, it affiliates, agents and content providers will not be liable for any damages, including loss of income or revenue, pain and suffering, emotional distress or similar damages even if we have been advised of the possibility of such damages. Our entire liability, and a purchasers exclusive remedy, shall be a refund of the purchase price paid for our products or services. All remedies are limited to the United States.

Indemnity

You will indemnify and hold this website and all associated parties harmless from any breach of these Terms of Service by you. You agree that the Indemnified Parties will have no liability in connection with any such breach or unauthorized use, and you agree to indemnify any and all resulting costs.

Postings

Portions of our website (such as blogs or bulletin boards) may provide users an opportunity to post and exchange information, ideas or opinions. Be advised that we do not screen, edit or review postings prior to their appearance on this website and that Postings do not necessarily reflect our views. To the fullest extent permitted by applicable laws, we exclude all responsibility and liability for the Postings or for any losses or expense resulting from their use and/or appearance on our website.

Users may not post with this website any material that is obscene, or violates any law or may be considered to violate any law. We reserve the right, although under no obligation, to monitor use of this website, as well as the right to remove or refuse any information for any reason. Notwithstanding these rights you remain solely responsible for your postings.

Security

We take security very seriously. You are not allowed to use any service or facilities provided in connection with this website to tamper with or compromise security in any way. The use of distribution of tools designed for compromising security (i.e. hacking tools) is strictly prohibited. We reserve the right to fully cooperate with any law enforcement authorities to disclose the identity of anyone involved in ay violation of system security. By accepting these Terms of Service you waive and hold us harmless from any claims resulting from any action take by us or law enforcement authorities.

Disputes

This agreement is governed by the laws of the State of Pennsylvania, without regard to principles of conflict of laws. If a dispute arises under this agreement, we agree to first try to resolve it with the help of a mutually agreed upon mediator in the following location: Indiana, Pennsylvania. If it proves impossible to arrive at a mutually satisfactory solution through mediation, we agree to submit the dispute to binding arbitration at the following location: Indiana, Pennsylvania under the rules of the American Arbitration Association, 335 Madison Avenue, Floor 10 New York, NY 10017-4605. You specifically consent to personal jurisdiction in Pennsylvania in connection with any dispute arising out of these Terms of Service. In any matter concerning a purchase or the Terms of Service you agree that the sole and proper jurisdiction shall be Indiana, Pennsylvania. In the event that litigation is in a Federal court, the proper court shall be Indiana, Pennsylvania or the nearest court to that location.

Last update: January 19,2010

Inquiries

You may direct inquires and find contact information for us on the Contact Us page.