Terms of Use

By accessing or using Cardly (the "Site"), you agree to be bound by these Terms of Use (the "Terms") and our Privacy Policy. If you do not agree, please do not use the Site.

You may use the Site for personal, non-commercial purposes, to research credit cards, compare offers, and use our tools. You agree not to:

• scrape, copy, or systematically extract data from the Site;
• attempt to interfere with the Site, our servers, or the experience of other users;
• use the Site or its content to train third-party machine-learning models;
• use the Site for any unlawful purpose.

We reserve the right to limit or terminate access for anyone who violates these restrictions.

Cardly is an educational and editorial publication. The information on the Site is provided for general informational purposes only and is not financial, legal, or tax advice. Credit-card terms, including interest rates, fees, rewards, sign-up bonuses, and benefits, change frequently. We strive for accuracy, but information may be out of date or incomplete. Always confirm current terms directly with the card issuer before applying.

You are solely responsible for your financial decisions. Cardly does not act as a financial advisor, broker, or fiduciary. Card recommendations from the AI Selector are heuristic suggestions, not professional advice. Consider consulting a licensed financial professional for advice specific to your situation.

All original content on the Site, including text, layout, design, code, graphics, and illustrations, is owned by Cardly or its licensors and is protected by U.S. and international copyright laws. Card names, logos, and trademarks are the property of their respective issuers and are used here for descriptive and editorial purposes only.

You may share short excerpts and link to pages on the Site for personal or editorial use, with attribution. You may not reproduce substantial portions of the Site without our written permission.

Cardly participates in affiliate programs, including (but not necessarily limited to) CardRatings. We may receive compensation when you click through affiliate links and apply for or are approved for products. This does not change the price you pay or your eligibility for any product. See our Affiliate Disclosure for details.

The Site contains links to third-party websites operated by card issuers, affiliate networks, and other businesses. We do not control these sites and are not responsible for their content, terms, or practices. Visiting them is at your own risk.

The Site is provided on an "as is" and "as available" basis. To the fullest extent permitted by law, Cardly disclaims all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Site will be uninterrupted, error-free, or free of harmful components, nor that any information will be accurate, current, or complete.

To the maximum extent permitted by law, in no event will Cardly, its operators, or its contributors be liable for any indirect, incidental, consequential, special, or punitive damages, including lost profits, lost savings, or lost data, arising out of or related to your use of the Site, even if advised of the possibility of such damages. Our total liability for any direct claim arising from the Site shall not exceed $100 USD.

You agree to defend, indemnify, and hold Cardly and its operators harmless from any claim, demand, loss, or expense (including reasonable attorneys' fees) arising from your misuse of the Site or violation of these Terms.

These Terms are governed by the laws of the State of New York, without regard to its conflict-of-laws principles. Any dispute arising under or in connection with these Terms shall be resolved exclusively in the state or federal courts located in Kings County, New York.

We may update these Terms from time to time. The "Last updated" date at the top of this page reflects the most recent change. Continued use of the Site after a change constitutes acceptance of the revised Terms.

Questions about these Terms can be sent to info@cardlyfinance.com or via the Contact page.

Operator: Hillel Sonnenschine, sole proprietor (Brooklyn, NY).