Terms of Service

1. Acceptance of Terms

By accessing and using churnd. ("the Service"), you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.

2. Description of Service

churnd. is a financial bonus tracking platform that provides information about bank account, credit card, brokerage, and sportsbook bonuses and promotions. We offer tools to help users track their progress toward meeting bonus requirements and organize their financial opportunities.

3. User Accounts

• You must be at least 18 years old to use this service
• You are responsible for maintaining the confidentiality of your account credentials
• You are responsible for all activities that occur under your account
• You must provide accurate and complete information when creating your account
• You must notify us immediately of any unauthorized use of your account

4. Financial Disclaimers

Not Financial Advice

All information provided on churnd. is for informational purposes only and should not be considered financial advice. We are not financial advisors, and you should consult with qualified professionals before making financial decisions.

Third-Party Terms

All financial products and bonuses referenced on our platform are subject to the terms and conditions of the respective financial institutions. You are solely responsible for reading and complying with these terms.

No Guarantees

We make no guarantees regarding bonus eligibility, payout amounts, or timelines. Bonus terms can change without notice, and institutions may deny bonuses at their discretion.

5. User-Generated Content

By posting comments or other content on churnd., you grant us a non-exclusive, royalty-free license to use, modify, and display such content. You are responsible for the content you post and agree that it will:

• Be accurate and not misleading
• Not violate any laws or regulations
• Not infringe on others' intellectual property rights
• Not contain harmful, offensive, or inappropriate material
• Not promote illegal activities or scams

6. Prohibited Uses

You may not use our service to:

• Violate any local, state, national, or international law
• Share false or misleading information about financial offers
• Attempt to gain unauthorized access to our systems
• Interfere with or disrupt the service or servers
• Create multiple accounts to circumvent restrictions
• Use automated systems to scrape or harvest data
• Promote competing services without permission

7. Intellectual Property

You retain ownership of any content you create or submit through the Service. By using our Service, you grant us a non-exclusive license to use, display, and distribute your content as necessary to provide the Service. We respect intellectual property rights and expect users to do the same.

Third-Party Trademarks

All bank names, logos, product names, institution names, and other trademarks displayed on our Service are the property of their respective owners. We do not claim ownership of these trademarks and their use does not imply endorsement by or affiliation with the trademark owners. These trademarks are used solely for identification and informational purposes.

8. Privacy and Data

Your privacy is important to us. Please review our Privacy Policy, which also governs your use of the Service, to understand our practices.

9. Service Availability

We strive to maintain high availability of our service, but we do not guarantee uninterrupted access. We may temporarily suspend the service for maintenance, updates, or other operational reasons.

10. Account Termination

We reserve the right to terminate or suspend your account at any time for violations of these terms. You may also terminate your account at any time by contacting us or using account deletion features.

11. Disclaimers and Limitation of Liability

THE SERVICE IS PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND. WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE.

IN NO EVENT SHALL CHURND. INC. BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF YOUR USE OF THE SERVICE.

12. Indemnification

You agree to defend, indemnify, and hold harmless churnd. Inc. from and against any claims, liabilities, damages, losses, and expenses arising out of or in any way connected with your use of the Service or violation of these Terms.

13. Changes to Terms

We reserve the right to modify these terms at any time. We will notify you of any changes by posting the new Terms of Service on this page and updating the "Last updated" date.

14. Governing Law

These Terms shall be interpreted and governed by the laws of [Your Jurisdiction], without regard to its conflict of law provisions.

15. Contact Information

If you have any questions about these Terms of Service, please contact us at:
Email: legal@churnd.io