Terms of Service

Agreement to Terms

By accessing and using "Is Amex Worth It?" (the "Site"), you accept and agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use the Site.

Educational Content Only

The information, tools, and calculators on this Site are designed to help you evaluate credit card options based on your self-reported spending habits. However:

• • We are not financial advisors, accountants, or credit counselors
• • We do not provide personalized financial advice
• • Our recommendations are based solely on the mathematical calculations described in our methodology
• • You are responsible for your own financial decisions

No Guarantees

We make no guarantees regarding:

• • Accuracy of calculations or recommendations
• • Your approval for any credit card
• • The specific offers or terms you may receive from American Express
• • The actual value you will receive from any card
• • Changes to card terms, benefits, or fees after our information was published

Third-Party Relationships

This Site is not affiliated with, endorsed by, or sponsored by American Express or any other financial institution. When you click links to external sites:

• • You leave our Site and are subject to those sites' terms and privacy policies
• • We are not responsible for the content or practices of external sites
• • Your interactions with external sites are solely between you and that site

Limitation of Liability

To the maximum extent permitted by law:

• • We are not liable for any direct, indirect, incidental, consequential, or exemplary damages arising from your use of this Site
• • We are not liable for any losses resulting from credit card applications or decisions made based on our content
• • We are not liable for any errors, omissions, or inaccuracies in our content
• • We are not liable for any technical issues or unavailability of the Site

Some jurisdictions do not allow the exclusion of certain warranties or limitation of liability, so some of these limitations may not apply to you.

User Responsibilities

You agree to:

• • Provide accurate information when using our quiz and calculators
• • Verify all information independently before making financial decisions
• • Use the Site only for lawful purposes
• • Not attempt to interfere with or disrupt the Site's functionality
• • Not use automated systems (bots, scrapers) to access the Site without permission

Intellectual Property

The content, design, code, and functionality of this Site are protected by copyright and other intellectual property laws. You may not:

• • Copy, reproduce, or redistribute our content without permission
• • Use our calculators or methodology in competing products
• • Remove any copyright or proprietary notices

Modifications to Terms

We reserve the right to modify these Terms of Service at any time. Changes will be effective immediately upon posting to the Site. Your continued use of the Site after changes constitutes acceptance of the modified terms.

Modifications to Site

We reserve the right to:

• • Modify, suspend, or discontinue any part of the Site at any time
• • Change our calculator methodology or recommendations
• • Update content, features, or functionality

Governing Law

These Terms of Service are governed by and construed in accordance with applicable laws. Any disputes arising from these terms or your use of the Site shall be resolved through binding arbitration, except where prohibited by law.

Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.