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ClearValue Cards

Terms of Use

Effective July 9, 2026

PLEASE READ CAREFULLY.

These Terms of Use contain a binding arbitration agreement and a class-action waiver (Section 11). By using our Services, you agree to resolve disputes individually through binding arbitration and to waive your right to participate in a class action, except as expressly provided.

1. Acceptance of Terms

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

2. What ClearValue Cards Is — and Is Not

ClearValue Cards is an independent editorial and comparison publisher. We publish credit card reviews, comparisons, scores, calculators, and educational content. We are not a card issuer, bank, lender, credit union, or broker, and we do not issue, underwrite, approve, deny, or service any credit card or other financial product.

We do not accept, process, or decide credit card applications. When you choose to apply for a card, you leave our Services and deal directly with the card issuer or its authorized channel. Any card, account, rate, fee, reward, benefit, approval, or denial is offered, determined, and provided solely by the issuer — not by ClearValue Cards. Any agreement you enter into is directly between you and the issuer, and ClearValue Cards is not a party to it.

3. Editorial Content Only; No Offer and No Guarantee

All content on the Services — including reviews, ClearValue scores, rankings, comparisons, calculator outputs, and approval-odds or fit estimates — is illustrative and for general informational purposes only. Nothing on the Services is an offer, solicitation, or commitment to extend credit, and nothing constitutes a pre-approval or guarantee of any card, terms, or rewards.

  • All offers are subject to issuer approval. Whether you are approved — and on what terms — is determined solely by the issuer based on its own criteria.
  • We do not guarantee that you will be approved for any card, or that you will receive any particular credit limit, APR, fee, intro offer, reward rate, or other term.
  • Rates, fees, rewards, and terms are set by issuers and change frequently. We source card details from each issuer’s published Schumer Box and terms as of the “last reviewed” date shown and link to the issuer, but you must confirm all current terms on the issuer’s own site before applying.

4. How We Are Compensated

ClearValue Cards earns compensation solely through our CardRatings partnership, paid when a reader clicks out to CardRatings from our match tool. This compensation does not influence our editorial scoring, which cards we review, or how cards are ranked. See our Advertiser Disclosure for how compensation works and what it does and does not affect.

5. Third-Party Issuers and Links

The Services include information about, and links to, third-party card issuers and other websites. ClearValue Cards does not endorse, guarantee, or assume responsibility for any issuer’s products, services, websites, or actions. Read every cardholder agreement and pricing/terms disclosure in full and verify all figures — APR, fees, reward rates, intro terms, and expiration dates — directly with the issuer before applying. Any agreement you enter is solely between you and the issuer.

6. Not Financial, Legal, or Tax Advice

The content on the Services is provided for general educational purposes only and is not financial, credit, investment, legal, tax, or accounting advice. Your circumstances are unique; you should consult qualified professionals about your specific situation. ClearValue Cards does not act as your fiduciary, financial adviser, credit counselor, attorney, or broker, and no advisory or fiduciary relationship is created by your use of the Services.

7. Acceptable Use; Prohibited Conduct

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

  • Use the Services for any unlawful, fraudulent, or unauthorized purpose;
  • Interfere with, disrupt, or attempt to gain unauthorized access to the Services or related systems;
  • Scrape, crawl, harvest, or otherwise systematically extract content or data from the Services without our prior written consent;
  • Reverse engineer, decompile, or attempt to derive the source code of any part of the Services;
  • Use the Services 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 Services in any manner that violates applicable law or these Terms.

8. Intellectual Property

The Services, including all text, reviews, scores, graphics, logos, and software, are owned by or licensed to ClearValue Cards and are protected by U.S. and international intellectual property laws. “ClearValue Cards” and our logo are trademarks of ClearValue Cards. 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 7, no other rights or licenses are granted to you.

9. Disclaimer of Warranties

THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY LAW, CLEARVALUE CARDS DISCLAIMS ALL WARRANTIES, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, ACCURACY, AND UNINTERRUPTED OR ERROR-FREE OPERATION. CLEARVALUE CARDS DOES NOT WARRANT THAT ANY INFORMATION PROVIDED THROUGH THE SERVICES IS COMPLETE, ACCURATE, OR CURRENT, OR THAT ANY ISSUER WILL OFFER, APPROVE, OR HONOR ANY PARTICULAR CARD, RATE, FEE, REWARD, OR TERM.

10. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, IN NO EVENT WILL CLEARVALUE CARDS 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 SERVICES, ANY CONTENT, OR ANY CARD OR OTHER PRODUCT YOU OBTAIN OR APPLY FOR AFTER USING THE SERVICES, EVEN IF CLEARVALUE CARDS HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

IN NO EVENT WILL CLEARVALUE CARDS’S AGGREGATE LIABILITY ARISING OUT OF OR IN CONNECTION WITH THE SERVICES 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.

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 Services (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 Cards 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 Services pending arbitration.

30-day right to opt out. You may opt out of this arbitration agreement by sending written notice to hello@clearvaluecards.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 Services, 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 Cards.

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. Indemnification

You agree to indemnify, defend, and hold harmless ClearValue Cards 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 Services; (b) your violation of these Terms or applicable law; or (c) any content you submit through the Services. ClearValue Cards 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.

14. Termination

We may suspend or terminate your access to all or part of the Services at any time, with or without notice, including for violation of these Terms or where required by law. You may stop using the Services at any time. Provisions of these Terms that by their nature should survive termination — including Sections 7 through 13 — will survive.

15. 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 website. Your continued use of the Services after changes become effective constitutes acceptance of the updated Terms.

16. Miscellaneous

  • Entire agreement. These Terms (together with any policies referenced in them) constitute the entire agreement between you and ClearValue Cards regarding the Services.
  • 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 Cards 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.

17. Contact

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