These Terms of Use (“Terms of Use”) constitute a legally binding agreement between you (“user” or “you”) and our company (“Company” or “we”) and set out the terms on which you may use our website and the Services contained therein (as defined below). These Terms of Use incorporate our Privacy Policy and together will be referred to as the “Terms”. It is important that you take the time to read the Terms carefully before accessing or using our website and Services.

1 Acceptance of Terms:

1.1 By accessing or using our websites or the Services (as defined below), you acknowledge that you have read, understood and agreed to these Terms of Use. You agree to be bound by these Terms of Use and to comply with all laws and regulations applicable to the use the Service. You further acknowledge that these Terms of Use constitute a legally binding and enforceable contract between you and us, which further enforces the class action waiver and arbitration provision, as detailed below in the dispute resolution section.


2 Eligibility and Age Limitation:

2.1 You warrant that you are eligible to enter into these Terms of Use and that you are not prohibited by any authorized authority, court order or law from entering into any agreement; you have all appropriate authorization, if acting on behalf of a corporation, to enter into these Terms of Use. You further represent and warrant that you are at least eighteen (18) years of age and are legally competent to enter into these Terms. We reserve the right to request proof of age at any stage so that we can verify that minors under the age of eighteen (18) are not using our site.

3 Scope of Services

3.1 The Site provides comprehensive information, comparison tables and resources about various goods, services or products of interest to you that are owned or operated by our third party partners (“Third Party Service”). We provide information we believe will be of interest to you and comparative charts, including, without limitation, User Generated Content (e.g., UGC as defined below), link to Third Party Services and content, as well as articles, blogs and opinions provided by us, you, other users or third party contractors, including any text, logos, telephone numbers, button icons, images, data compilations, documents, descriptions, software, code, designs, links, data, graphics and other functionality provided therein (collectively , the “Content” and, together with the website, will be referred to as the “Service(s)”). The Services are owned and developed exclusively by us. We perform assessments and evaluate the information we find against our criteria in order to present the Third Party Services that we believe are the highest rated. You acknowledge that the Services are for informational and editorial purposes only and may contain Content that you consider or find objectionable. We make best efforts (although we are not obligated) to actively monitor the Services and Content, including UGC (as defined below) submitted or viewed on the Site. However, we do not endorse or support any Content submitted to the site. Our Services are provided free of charge. We are able to maintain a free, high-quality Service by charging featured brands an advertising fee every time a user completes a purchase. For more information, see the “How We Measure” section below.

4 Use of the Website and Services

4.1 The Services are provided for your personal, non-commercial use only; You agree to use the Services as set forth in the Terms. You are responsible for any UGC you may submit to the Site. You are responsible for any of your actions that violate or could reasonably be construed as a violation of these Terms. You may not use the Services in any manner that could disrupt the use of the Website by other users or persons. We reserve the right to investigate any violation or alleged violation of these Terms and to report to law enforcement authorities and to prevent you from using the Services. We may also limit your use of the Services for any reason or no reason at all and retain the right to terminate your use of the Services in our sole discretion. We reserve the right to refuse or accept the posting, display or transmission of any Content you submit to the Site, at any time and in our sole discretion. We have no responsibility to store or maintain any Content submitted to or posted to the Website and will not be liable for any failure to store or maintain any Content. Furthermore, you agree that you will not, directly or indirectly: (i) make copies of, modify, adapt, disassemble, translate, decompile, engineerreverse hacking, create derivative works of, circumvent or hack the Services or gain unauthorized access to the Services or their related systems and networks; (ii) sublicense, resell, rent, lease, assign any right, share, transmit or commercially exploit or make the Services available to any third party, or any part thereof; (iii) use the Services in a fraudulent or illegal manner; (iv) assert any proprietary rights or remove, obscure or alter any proprietary rights notices or disclaimers appearing on the Services. If you download or print a copy of the Content, you must retain all copyright and other proprietary notices contained therein; (v) use, access or attempt to access the Service in connection with any automated means; (vi) use Company’s name, logo or trademarks without our prior written consent; and (vii) extract, collect or store personal data about other users without their express permission. ANY USE OF THE SERVICES NOT SPECIFICALLY PERMITTED UNDER THESE TERMS IS STRICTLY PROHIBITED.

5.1 Third Party Services may include links to third party websites or other digital assets, contact information (e.g. phone number, etc.) to enable you to view, access or contact such third parties. Such links or telephone numbers may be posted by us, you, other users or third parties. You acknowledge and agree that (i) we do not guarantee access to, recording, listening to, or viewing of any particular Third-Party Service; (ii) we do not own or control, nor are we responsible for, any Third Party Services, and we do not exercise editorial or programming control over any content or offerings contained therein; (iii) the owners or licensors of the Third Party Services may change or delete their websites or any content or services at any time, including the terms of the offerings (price, features, etc.); and (iv) when accessing the Third-Party Services, contacting the third party via telephone number or otherwise, or interacting, engaging with or using the Third-Party Services, you will be subject to the terms of service and privacy policies of those third parties. third parties, which can be found on their respective websites, as well as their customer service and telemarketing and sales practices. You should carefully review the terms and policies of the applicable Third-Party Services to verify that you are interested in those services and that you are authorized to use the Third-Party Services, as well as to comply with applicable requirements and restrictions (e.g., residents of certain countries may be prohibited from using some Third Party Services). You may be exposed to Content relating to Third-Party Services that is inaccurate, offensive, indecent or objectionable. You always have the choice to decide whether or not you wish to access, view or interact with such Third-Party Services. Your interaction with Third Party Services (including by telephone or otherwise) and your use of and reliance on any content or information provided by them (including content provided through our website) is at your own risk. You agree that we are not responsible or liable, directly or indirectly, for any loss or damage of any kind incurred as a result of your use of or reliance on any Third-Party Content or Services, or your interaction or engagement with the third party through any means, which is by your own risk. Any such engagement will be solely between you and the applicable third party.

6. User Generated Content

6.1 User Generated Content refers to a wide variety of media content that is produced, submitted and uploaded by you and other users, as opposed to content made by us, including, but not limited to, images, comments, posts, texts, icons, links, User Reviews (as defined below), opinions and feedback, etc. (“UGC”). You acknowledge and agree that you have all necessary rights, power and authority to submit any UGC and the UGC uploaded by you may not: (i) violate any applicable law; (ii) contain illegal content, including, but not limited to, hateful content, content that may encourage or suggest violence, terrorism, racism, defamation, adult and pornographic content, content related to alcohol or illegal drugs; (iii) contain content that is protected by copyright, trade secret or that may infringe the intellectual property of third parties or content that infringes the right to privacy or creates a risk to the safety or health of an individual; (iv) contain content considered unfair or misleading under consumer protection laws, or unauthorized commercial communications, including advertising, spam, inducements or promotion of anyany service or product; or (v) content generated by fake or unidentified users. Additionally, by submitting, posting or displaying UGC through the Services, you grant us a worldwide, non-exclusive, royalty-free, transferable license (with the right to sublicense) to view, use, display, reproduce, distribute, prepare derivative works and make any part of the UGC available to the public, including without limitation to promote and redistribute part or all of the Services (in any media formats). Additionally, you grant each user of the Service a worldwide, non-exclusive, royalty-free license to access your UGC through the Service, to download, use, reproduce, distribute, prepare derivative works of, and display to the extent permitted by the functionality of the Service and under these Terms. We have the sole and voHajoHD right and discretion to decide whether to publish any UGC and may, without notice, monitor, censor, edit, remove, delete any and all UGC, at any time and for any or no reason. If we believe, in our sole discretion, that UGC provided by you violates or may violate any of the foregoing, we may restrict your access to or use of the Services. Notwithstanding the foregoing, we have no obligation to monitor UGC, and therefore we have no responsibility and are not liable for UGC that you may find to be inaccurate, offensive, indecent, or objectionable.

You may not post or submit any proprietary information of third parties protected by copyright or trademark laws. We will respond to any notice we receive alleging infringement of a third party’s copyright or trademark by investigating the allegation and removing the allegedly infringing content if we determine that infringement has occurred. If you are a copyright owner, or authorized to act on behalf of one, and you believe in good faith that any Content or User Generated Content (UGC) on the Site has been used or exploited in a way that infringes or violates any work or other intellectual property that you own or control, or of third parties on whose behalf you are authorized to act, please contact us via our contact form. We will investigate the matter immediately. When submitting a Notification, please include the following information: (i) identify the copyrighted work or material that you claim has been infringed, and information reasonably sufficient to permit us to locate the material and verify its existence, including, at a minimum, its location, if applicable, the URL of the link(s) displayed on the website where such material can be found, and screenshots. If multiple copyrighted works are covered by this Notice, you may provide a list of the copyrighted works that you claim have been infringed; (ii) provide your contact information - name, postal address, telephone number and email address; (iii) include both of the following statements in the body of the Notice: “I hereby declare that I have a good faith belief that the disputed use of the copyrighted material or reference or link to such material is not authorized by the copyright owner, its agent or by law (e.g., as fair use). Furthermore, I declare that the information in this Notice is accurate and, under penalty of perjury, that I am the owner, or authorized to act on the owner’s behalf, of the copyright or exclusive right under the copyright that is allegedly infringed.”

Be sure to consider whether fair use, fair dealing, or a similar copyright exception applies before submitting the Notice. Please remember that by submitting a Notice you are initiating legal proceedings, so please do not make false claims. We will respond within a reasonable time to claims of copyright infringement committed using the Site and reported to us.

These Terms of Use (“Terms of Use”) constitute a legally binding agreement between you (“user” or “you”) and the Company and set out the terms on which you may use our website and the Services contained therein (as defined below ). These Terms of Use incorporate our Privacy Policy and together will be referred to as the “Terms”. It is important that you read the Terms carefully before accessing or using our website and Services.