Financial Disclaimers

1. Not Financial Advice

Churnd is an informational platform only and does not provide financial advice.All content, including bonus tracking tools, guides, and recommendations, are provided for informational and educational purposes only.

We are not licensed financial advisors, investment advisors, or registered broker-dealers. Nothing on this platform should be construed as personalized financial advice or a recommendation to engage in any particular financial strategy.

You should consult with qualified financial professionals before making any financial decisions based on information found on Churnd.

2. Third-Party Institution Terms

All financial products, bonuses, and offers referenced on Churnd are subject to the terms and conditions of the respective financial institutions. These terms can change without notice and may vary based on your individual circumstances.

Churnd does not guarantee the accuracy or completeness of third-party terms and conditions. Always verify information directly with the financial institution before applying.

3. No Guarantees

Bonus Eligibility

We make no guarantees that you will be eligible for any bonus or offer displayed on our platform. Eligibility depends on factors including but not limited to:

• Your credit score and financial history
• Previous relationships with financial institutions
• Geographic location and state regulations
• Institution-specific eligibility criteria
• ChexSystems or other banking history reports

Bonus Payouts

We do not guarantee that you will receive any bonus, even if you meet the stated requirements. Financial institutions reserve the right to:

• Deny bonuses at their sole discretion
• Change bonus terms without notice
• Discontinue offers at any time
• Impose additional requirements not listed in our summaries

Timing and Amounts

Estimated payout times and bonus amounts are approximations based on publicly available information and user reports. Actual payouts may vary significantly and may take longer than estimated.

4. Risks and Considerations

Account Churning Risks

Opening multiple bank accounts or credit cards in pursuit of bonuses (often called "churning") may have negative consequences including:

• Negative impact on your credit score from hard inquiries
• Increased credit utilization affecting creditworthiness
• Potential blacklisting by financial institutions
• Difficulty obtaining future financial products
• Account closure or bonus clawback for non-compliance

Tax Implications

Bank bonuses and rewards may be subject to federal and state income taxes. You are responsible for understanding and complying with all tax obligations related to bonuses you receive.

Fees and Costs

Financial products may have associated fees, minimum balance requirements, or other costs that could offset bonus value. Always consider total costs when evaluating offers.

5. Information Accuracy

While we strive to provide accurate and up-to-date information, we cannot guarantee the accuracy, completeness, or timeliness of any information on our platform.

Information may become outdated due to:

• Changes in institution policies
• Updates to bonus terms and conditions
• Regulatory changes
• Geographic or temporal limitations

6. User-Generated Content Disclaimer

Comments, reviews, and other user-generated content on Churnd represent the opinions and experiences of individual users, not Churnd Inc. We do not verify the accuracy of user-submitted information.

User experiences may not be representative of typical results and should not be relied upon as a guarantee of your potential experience.

7. No Endorsement

Inclusion of any financial institution, product, or offer on Churnd does not constitute an endorsement or recommendation. We do not have partnerships with most institutions and receive no compensation for directing users to their services.

8. Risk of Loss

By engaging in bonus-seeking activities, you risk:

• Financial losses from fees, penalties, or unmet requirements
• Opportunity costs from time and effort invested
• Negative impacts on your financial profile or credit
• Account closures or restrictions

9. Forward-Looking Statements

Any projections, estimates, or forward-looking statements regarding potential earnings or bonus values are speculative and subject to significant uncertainty. Past performance or user reports do not guarantee future results.

10. Regulatory Compliance

You are responsible for ensuring that your activities comply with all applicable federal, state, and local laws and regulations. Some bonus-seeking activities may be restricted or prohibited in certain jurisdictions.

11. Contact Information

If you have questions about these disclaimers or need clarification about any information on our platform:
Email: legal@churnd.io