Terms of Service - IronChurn

1. Acceptance of Terms

By accessing and using IronChurn ("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.

2. Description of Service

IronChurn is a credit card portfolio management platform that helps users track their credit cards, monitor sign-up bonuses, manage velocity rules (such as Chase 5/24, Amex 2/90), calculate point valuations, track redemptions, and receive personalized credit card recommendations. The Service is provided for informational and organizational purposes only.

3. User Accounts

To use certain features of the Service, you must create an account. 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.

4. Referral Links

When you click "Apply" on credit cards through the Service, we may use referral links when available. These referral links do not change the credit card offer or cost you anything—they help support IronChurn's operations. You can opt-out of referral links at any time in your account settings. When referral links are used, we may receive compensation from credit card issuers, but this does not affect the terms, rates, or fees of any credit card offer.

5. User Content and Data

You retain ownership of all data and information you provide to the Service. By using the Service, you grant us a license to store, process, and display your data solely for the purpose of providing the Service to you. You are responsible for the accuracy of all information you provide.

6. Prohibited Uses

You agree not to use the Service:

For any unlawful purpose or to solicit others to perform unlawful acts
To violate any international, federal, provincial, or state regulations, rules, laws, or local ordinances
To infringe upon or violate our intellectual property rights or the intellectual property rights of others
To harass, abuse, insult, harm, defame, slander, disparage, intimidate, or discriminate
To submit false or misleading information
To upload or transmit viruses or any other type of malicious code
To collect or track the personal information of others
To spam, phish, pharm, pretext, spider, crawl, or scrape
For any obscene or immoral purpose
To interfere with or circumvent the security features of the Service

7. Disclaimer of Warranties

The Service is provided "as is" and "as available" without any warranties of any kind, either express or implied. We do not warrant that the Service will be uninterrupted, secure, or error-free. The information provided through the Service is for informational purposes only and should not be considered financial, legal, or tax advice. We are not responsible for any decisions you make based on information provided through the Service.

8. Limitation of Liability

To the fullest extent permitted by applicable law, IronChurn and its operators shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses resulting from your use of the Service.

9. Credit Card Offers and Information

Credit card offers, terms, and information displayed on the Service are subject to change without notice. We do not guarantee the accuracy, completeness, or timeliness of credit card offers or information. Always verify current terms directly with the credit card issuer before applying. We are not responsible for any changes to credit card offers, terms, or availability.

10. Termination

We may terminate or suspend your account and access to the Service immediately, without prior notice or liability, for any reason, including if you breach the Terms. Upon termination, your right to use the Service will immediately cease. You may delete your account at any time through your account settings.

11. Changes to Terms

We reserve the right to modify or replace these Terms at any time. If a revision is material, we will provide at least 30 days notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion. Your continued use of the Service after any changes constitutes acceptance of the new Terms.

12. Governing Law

These Terms shall be governed and construed in accordance with the laws of the United States, without regard to its conflict of law provisions. Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights.

13. Contact Information

If you have any questions about these Terms of Service, please contact us through the Service or via the contact methods provided in our Privacy Policy.