Terms of Use

Last updated: May 15, 2026

These Terms of Use explain the rules and conditions for accessing and using FinanceCardify.

FinanceCardify is operated by DM NETWORK MIDIA DIGITAL LTDA, doing business as DM Network.

By accessing or using FinanceCardify, you agree to these Terms of Use. If you do not agree with these terms, please do not use this website.

1. Who We Are

FinanceCardify is an independent informational and educational website that provides general educational information about credit card products, features, rewards, fees, APRs, eligibility factors, issuer or provider terms, and official disclosures.

FinanceCardify is operated by:

DM NETWORK MIDIA DIGITAL LTDA
Doing business as: DM Network
Business address: Rua 20 de Setembro, 334, Sala 06, Centro, Piratini, RS, 96490-000, Brazil
Contact: [email protected]
CNPJ: 45.918.640/0001-13
Company country: Brazil

Although FinanceCardify may provide information intended for users in the United States, the website is operated by DM NETWORK MIDIA DIGITAL LTDA, a company located in Brazil.

FinanceCardify is not affiliated with, endorsed by, or operated by any bank, credit card issuer, provider, financial institution, or government agency mentioned on this website, unless expressly stated. Product names, trademarks, and logos belong to their respective owners.

2. Informational and Educational Purpose

FinanceCardify is provided for informational and educational purposes only. The content on this website should not be considered financial advice, legal advice, tax advice, credit repair advice, credit decisioning, or personalized financial recommendations.

We do not guarantee that any information on the website is complete, accurate, current, or suitable for your specific situation.

You should review official issuer or provider terms and consider speaking with a qualified professional before making any financial decision.

3. No Financial Services

FinanceCardify is not a bank, credit card issuer, lender, broker, credit repair company, financial institution, government agency, financial technology company, account provider, or financial advisor.

We do not:

issue credit cards;
provide loans;
offer lines of credit;
provide banking services;
process credit applications;
make approval decisions;
determine eligibility;
set APRs;
establish fees;
define rewards;
assign credit limits;
provide credit reporting;
control final product terms;
access, open, or manage user financial accounts.

All approval decisions, APRs, fees, rewards, credit limits, eligibility requirements, account requirements, credit reporting practices, availability, and final terms are determined solely by the applicable third-party issuer or provider.

4. No Guarantee of Approval or Eligibility

FinanceCardify does not guarantee approval, pre-approval, eligibility, availability, rewards, rates, APRs, fees, credit limits, account opening, credit reporting outcomes, or specific financial terms for any product.

Any information displayed on FinanceCardify is general in nature and may vary by applicant, issuer, provider, product, location, and time.

Terms vary by issuer or provider and may change at any time.

5. Third-Party Products and Websites

FinanceCardify may display information about third-party financial products or link to third-party websites, issuers, providers, advertisers, or partners.

When you click a third-party link, you may leave FinanceCardify and visit a website that we do not operate or control.

FinanceCardify is not responsible for:

third-party websites;
issuer or provider decisions;
application or account-opening processes;
product availability;
APRs, fees, rewards, limits, eligibility, account requirements, credit reporting practices, availability, or final terms;
privacy practices of third parties;
claims, representations, or content made by third parties.

You should carefully review the terms, conditions, privacy policy, rates, fees, and disclosures provided by any third-party issuer or provider before making any financial decision, requesting any product, applying for any product, or opening any account.

6. Affiliate and Advertising Relationships

FinanceCardify may receive compensation from third-party partners or advertisers when users click links, submit forms, or visit partner websites through our platform.

Compensation may affect how and where some content appears on the website, but it does not affect issuer or provider approval decisions, eligibility, APRs, fees, rewards, credit limits, account requirements, credit reporting practices, availability, or final terms.

Approval decisions and product terms are determined solely by the applicable issuer or provider.

7. Quiz, Forms, and Interactive Tools

FinanceCardify may provide quizzes, forms, comparison features, or other interactive tools to help users explore general educational credit card information.

These tools are informational only. They are not applications, pre-approval requests, approval decisions, credit decisions, financial advice, or guarantees of eligibility, availability, APRs, fees, rewards, credit limits, account opening, credit reporting outcomes, or final terms.

Submitting information through a quiz or form does not guarantee approval, availability, eligibility, APRs, fees, rewards, credit limits, account opening, credit reporting outcomes, or final terms for any financial product.

FinanceCardify does not perform credit checks and does not determine whether a user qualifies for any financial product.

8. User Responsibilities

By using FinanceCardify, you agree that you will not:

use the website for unlawful, misleading, abusive, or fraudulent purposes;
attempt to interfere with the website’s operation or security;
submit false, misleading, or unauthorized information;
copy, reproduce, or misuse website content without permission;
use the website in a way that violates applicable laws or third-party rights.

You are responsible for reviewing issuer or provider terms and making your own financial decisions.

9. Accuracy of Information

We make reasonable efforts to provide useful and up-to-date information. However, financial product information may change at any time without notice.

FinanceCardify does not guarantee that product details, rewards, fees, APRs, eligibility requirements, account requirements, credit reporting practices, availability, or terms are always accurate, complete, or current.

Official issuer or provider terms control over any information displayed on FinanceCardify.

10. Intellectual Property

All content on FinanceCardify, including text, layout, design elements, graphics, logos, and other materials, is owned by or licensed to FinanceCardify, unless otherwise stated.

You may not copy, reproduce, modify, distribute, or use our content for commercial purposes without prior written permission.

Third-party names, logos, trademarks, or product references belong to their respective owners and are used for identification and informational purposes only.

11. Limitation of Liability

To the fullest extent permitted by applicable law, FinanceCardify and DM NETWORK MIDIA DIGITAL LTDA are not liable for any direct, indirect, incidental, consequential, special, or punitive damages arising from:

use of the website;
reliance on website content;
third-party products or websites;
approval, denial, eligibility, or account-opening decisions;
financial product terms;
errors, omissions, or outdated information;
technical issues or interruptions;
unauthorized access or security incidents.

Your use of FinanceCardify is at your own risk.

12. No Warranty

FinanceCardify is provided on an “as is” and “as available” basis.

We do not warrant that the website will be uninterrupted, error-free, secure, accurate, complete, current, or suitable for your needs.

13. Privacy

Your use of FinanceCardify is also governed by our Privacy Policy. Please review our Privacy Policy to understand how we collect, use, store, and share information.

14. Changes to These Terms

We may update these Terms of Use from time to time. When changes are made, the “Last updated” date at the top of this page may be revised.

Your continued use of the website after changes are posted means you accept the updated Terms of Use.

15. Contact Us

If you have questions about these Terms of Use, contact us at: