Terms of Service

1. About Green Theory Finance

Green Theory Finance provides credit card comparison and recommendation content for informational purposes only. We are not a bank, credit card issuer, financial advisor, or credit reporting agency. Nothing on this site constitutes financial, legal, or credit advice.

2. Advertiser Disclosure & Affiliate Relationships

Green Theory Finance participates in affiliate marketing programs. We may earn a commission or referral fee when you click on a link and apply for a credit card through our site. This compensation does not affect the order or objectivity of our editorial content, but it does mean our site is not a neutral comparison — we have financial relationships with some of the companies we feature.

Card terms, rates, rewards, and signup bonuses change frequently. Always verify current terms on the card issuer's official website before applying. We do our best to keep information current but make no guarantees of accuracy.

3. No Credit Advice

The quiz results and card recommendations on this site are provided for general informational purposes only. They do not constitute personalized financial or credit advice. Approval for any credit card is subject to each issuer's own credit review and criteria — we cannot guarantee you will be approved for any card we recommend.

Credit decisions are your own. Always read the full terms and conditions provided by the card issuer before applying.

4. User Conduct

You agree not to:

• Use the site for any unlawful purpose
• Attempt to scrape, crawl, or harvest data from this site without permission
• Submit false or misleading information in our quiz or email forms
• Interfere with the site's operation or security

5. Third-Party Links

Our site contains links to third-party websites including credit card issuers' application pages. We are not responsible for the content, privacy practices, or terms of those sites. Visiting a third-party site is at your own risk.

6. Disclaimer of Warranties

This site is provided "as is" without warranties of any kind, express or implied. We do not warrant that the site will be error-free, uninterrupted, or free of viruses. Card information may be out of date. We disclaim all liability for reliance on information provided on this site.

7. Limitation of Liability

To the fullest extent permitted by law, Green Theory Finance shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of this site or any credit card you apply for based on our recommendations.

8. Intellectual Property

All content on this site — including text, quiz content, card comparisons, and design — is the property of Green Theory Finance unless otherwise noted. You may not reproduce, distribute, or create derivative works without our written permission.

9. Governing Law

These Terms are governed by the laws of the United States. Any disputes arising from these Terms shall be resolved in a court of competent jurisdiction.

10. Changes to These Terms

We reserve the right to update these Terms at any time. Continued use of the site after changes constitutes acceptance of the updated Terms.

11. Contact

Questions about these Terms? Contact us at legal@greentheoryfinance.com.