Terms of Service

1. No Financial Advice

THE CONTENT PROVIDED THROUGH THIS SERVICE IS FOR INFORMATIONAL AND EDUCATIONAL PURPOSES ONLY.

Kensbrook Ventures LLC is not a financial advisor, tax professional, or credit counselor.

• Any strategies, points valuations, or value estimates are not guarantees of financial gain.
• You should consult a qualified professional before making significant financial decisions or applying for multiple lines of credit.

2. User Responsibilities & Eligibility

• Age: you must be at least 18 years of age and a resident of the United States to use the Service.
• Accuracy of Information: you are responsible for the accuracy of the data you input (for example income, credit score range, and expenses). Automated strategies are only as accurate as the data provided.
• Credit Impact: you acknowledge that applying for credit cards typically involves hard inquiries and may impact your credit score. Kensbrook Ventures LLC is not responsible for decreases in your credit score or your inability to obtain financing as a result of following strategies.

3. Third-Party Links & Bank Offers

Our Service recommends third-party credit card products.

• No Control: we do not control approval criteria, terms, or conditions of banks.
• Verification Required: you are solely responsible for reading the full terms and conditions on the bank’s official application page before applying. We are not responsible for discrepancies between our summaries and the bank’s actual offer.
• Affiliate Disclosure: we may receive compensation when you apply through our links.

4. Intellectual Property

All content, algorithms, logic, and proprietary strategies developed by Kensbrook Ventures LLC are the exclusive property of the Company. You are granted a limited, non-exclusive license to use the Service for personal, non-commercial use only. You may not scrape, frame, or redistribute our data without express written consent.

5. Limitation of Liability

To the maximum extent permitted by California law, Kensbrook Ventures LLC shall not be liable for any indirect, incidental, special, or consequential damages resulting from your use or inability to use the Service, decisions made in reliance on information provided, unauthorized access to data, or technical inaccuracies.

6. Indemnification

You agree to indemnify and hold harmless Kensbrook Ventures LLC, its officers, and its employees from any claims, damages, or expenses (including attorney fees) arising from your use of the Service or your violation of these Terms.

7. Governing Law & Dispute Resolution

These Terms are governed by the laws of the State of California, without regard to its conflict of law principles. Any disputes arising from these Terms shall be resolved through binding arbitration in California.

8. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify you of changes by updating the "Last Updated" date. Continued use of the Service after changes are posted constitutes your acceptance of the new Terms.

9. Contact Information

Questions about these Terms? Contact us at [email protected].