Terms of Use

Effective Date: January 2026

By accessing or using this website (“Site”), you agree to the following Terms of Use. If you do not agree, please discontinue use of the Site.

1. Educational Purpose

All content provided on Credit Card Starter Guide is for educational and informational purposes only.

2. No Financial or Legal Advice

We do not provide financial, legal, credit or investment advice. Users should consult licensed professionals before making decisions involving credit or finance.

3. No Guarantees

We do not guarantee results, approvals, credit score improvements, financial outcomes or any specific performance. Credit card approvals are determined by banks, issuers and credit bureaus based on individual criteria.

4. Content Ownership & Copyright (DMCA)

All content on this Site, including text, images, graphics, and media, is the property of Credit Card Starter Guide unless otherwise noted. Unauthorized reproduction is prohibited.

If copyrighted content appears on this Site unintentionally, please contact us and we will remove it in compliance with the Digital Millennium Copyright Act (DMCA).

5. Trademarks

All trademarks, logos and brand names referenced on this Site belong to their respective owners. The use of third-party trademarks does not imply endorsement.

6. Affiliate Relationships & Commissions

This Site may contain affiliate links. We may earn commissions from purchases or applications made through referral links at no additional cost to the user. Affiliate relationships do not influence editorial content.

7. External Links

This Site may contain links to third-party websites. We are not responsible for the content, accuracy or practices of third-party sites.

8. User Conduct

Users agree not to misuse the Site, interfere with its functionality or engage in unlawful behavior.

9. Age Requirement

This Site is intended for users 18 years of age or older. Users under 18 must use the Site with the supervision of a parent or legal guardian.

10. Limitation of Liability

Credit Card Starter Guide is not liable for direct, indirect or incidental damages resulting from use or inability to use the Site.

11. Indemnification

Users agree to indemnify and hold harmless Credit Card Starter Guide from claims or damages arising from misuse of the Site.

12. Accessibility (ADA)

We strive to make this Site accessible and compliant with best practices. Users may contact us if accessibility issues are identified.

13. Modifications to the Site & Terms

We may update the Site or these Terms at any time without notice. Continued use constitutes acceptance of updated Terms.

14. Termination of Access

We may restrict or terminate access to the Site without notice for users who violate these Terms.

15. Severability

If any provision of these Terms is found unenforceable, the remaining provisions remain in effect.

16. Governing Law & Jurisdiction

These Terms are governed by the laws of the United States.

17. Contact

Users may contact us regarding these Terms via the Contact page.