Terms of Service

1. Acceptance of Terms

By accessing and using CreditCardChargeFinder.com ("the Website" or "our Service"), you accept and agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, you must not use our Service.

We reserve the right to modify these Terms at any time. Your continued use of the Service after any changes constitutes acceptance of the modified Terms.

2. Description of Service

CreditCardChargeFinder.com is a community-driven platform that provides information about credit card charges. Our Service allows users to:

• Search for information about credit card charges
• Submit and share information about charges
• Read and post comments about charges
• Access fraud prevention tips and resources

We provide informational content only and do not provide financial, legal, or professional advice.

3. User Accounts

3.1 Registration

Some features of our Service may require you to create an account. You agree to provide accurate, current, and complete information during registration and to update such information to keep it accurate, current, and complete.

3.2 Account Security

You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to notify us immediately of any unauthorized use of your account.

3.3 Account Termination

We reserve the right to suspend or terminate your account at any time, with or without notice, for any violation of these Terms or for any other reason we deem necessary.

4. User Conduct and Content

4.1 Acceptable Use

You agree not to:

• Post false, misleading, or fraudulent information
• Harass, abuse, or harm other users
• Violate any applicable laws or regulations
• Infringe upon the intellectual property rights of others
• Post spam, advertisements, or unsolicited promotional content
• Attempt to gain unauthorized access to our systems
• Interfere with or disrupt the Service or servers
• Use automated systems to scrape or collect data without permission

4.2 User Content

You retain ownership of any content you submit to our Service ("User Content"). By submitting User Content, you grant us a worldwide, non-exclusive, royalty-free license to use, reproduce, modify, adapt, publish, and display your User Content on our Service.

You represent and warrant that:

• You own or have the right to submit the User Content
• Your User Content does not violate any third-party rights
• Your User Content is accurate and truthful to the best of your knowledge

4.3 Content Moderation

We reserve the right to review, edit, or remove any User Content that violates these Terms or that we determine is inappropriate, harmful, or objectionable. We are not obligated to monitor User Content but may do so at our discretion.

5. Intellectual Property

The Service, including its original content, features, and functionality, is owned by CreditCardChargeFinder.com and is protected by international copyright, trademark, patent, trade secret, and other intellectual property laws.

You may not copy, modify, distribute, sell, or lease any part of our Service without our prior written consent.

6. Disclaimers

6.1 No Financial Advice

Our Service provides informational content only and does not constitute financial, legal, or professional advice. We do not guarantee the accuracy, completeness, or reliability of any information on our Service.

6.2 No Warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.

6.3 User Responsibility

You are solely responsible for your use of the information provided on our Service. You should always verify charges directly with merchants and financial institutions and consult with appropriate professionals for financial or legal advice.

7. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, CREDITCARDCHARGEFINDER.COM AND ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, OR USE, ARISING OUT OF OR RELATING TO YOUR USE OF THE SERVICE.

Our total liability to you for any claims arising from or related to the Service shall not exceed the amount you paid us, if any, in the twelve (12) months preceding the claim.

8. Indemnification

You agree to indemnify, defend, and hold harmless CreditCardChargeFinder.com and its affiliates, officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses, including reasonable attorneys' fees, arising out of or in any way connected with your use of the Service, your User Content, or your violation of these Terms.

9. Third-Party Links and Services

Our Service may contain links to third-party websites or services. We are not responsible for the content, privacy policies, or practices of third-party sites. Your interactions with third-party sites are solely between you and the third party.

10. Termination

We may terminate or suspend your access to the Service immediately, without prior notice, for any reason, including if you breach these Terms.

Upon termination, your right to use the Service will cease immediately. Provisions of these Terms that by their nature should survive termination shall survive, including ownership provisions, warranty disclaimers, and limitations of liability.

11. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the jurisdiction in which CreditCardChargeFinder.com operates, without regard to its conflict of law provisions.

12. Dispute Resolution

Any disputes arising out of or relating to these Terms or the Service shall be resolved through binding arbitration in accordance with applicable arbitration rules, except where prohibited by law.

You agree to waive any right to a jury trial and to participate in a class action lawsuit.

13. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

14. Contact Information

If you have questions about these Terms of Service, please contact us at: