Factors That Credit Card Companies Look at When Evaluating an Application
FinanceFinderPro.com is a free online resource that offers valuable content and comparison services to users. To keep this resource 100% free for users, we receive advertising compensation from the financial products listed on this page. Along with key review factors, this compensation may impact how and where products appear on the page (including, for example, the order in which they appear). FinanceFinderPro.com does not include listings for all financial products.
Information Collection and Use
We collect your personally identifiable information when you register or sign up to receive products and/or services at the Website, even if you do not complete your registration by clicking next/submit. The types of personally identifiable information that we collect at this Website, during registration and when you make a purchase include, without limitation, your name, street address, e-mail address, telephone numbers and billing account information. In addition, we may request information about your use of, or interest in, the types of products and services offered by the third-party advertisers with whom we have partnered to offer you the products and services available at this Website.
In connection with the products and services available for purchase at the Website, we will collect your billing account information. We will use your billing account information to bill you for your purchases and we may share your billing account information with third parties for the sole purpose of effectuating any transactions that you enter into at the Website. In addition, by submitting your billing account information to us, you authorize Finance Finder Pro to periodically verify that your billing account continues to be a valid and active one by charging and, thereafter immediately crediting, a small sum to your account. Such verification may be conducted through a third party service provider and, in that case, Finance Finder Pro will share your specific billing account information with this third party for verification purposes. Apart from the foregoing uses, Finance Finder Pro reserves the right to share with other third parties the fact that we have billing account information on file for specific individuals, but we will not share the actual billing account information with other third parties without the applicable individual’s prior informed consent.
In addition, you agree that by submitting your personal information at the Website, such act constitutes a purchase, an inquiry and/or an application for purposes of the Amended Telemarketing Sales Rule, 16 CFR §310 et seq. (the “ATSR”). Notwithstanding that your telephone number may be listed on the Federal Trade Commission’s Do-Not-Call List, we retain the right to contact you via telemarketing in accordance with the ATSR. Moreover, by registering with, making a purchase from, or requesting information from, a third party advertiser at or through the Website, such action shall constitute a purchase, an inquiry and/or an application with the respective third party advertiser for purposes of the ATSR and you may be contacted via e-mail, direct mail and/or telemarketing by such third party advertiser in accordance with the ATSR.
We may share with third party advertisers certain Website usage information of individuals that have received targeted promotional campaigns for the purpose of formatting future campaigns and upgrading visitor information used in reporting statistics. For this purpose, we may track some of the pages that you visit on our Website through the use of pixel tags (also called clear gifs). By submitting information at and/or registering at this Website, you agree to allow us to share such Website usage information with third parties.
Terms of Service
Please read this Agreement carefully before accessing or using the Website. By accessing or using any part of the web site, you agree to become bound by the terms and conditions of this agreement. If you do not agree to all the terms and conditions of this agreement, then you may not access the Website or use any services. If these terms and conditions are considered an offer by Finance Finder Pro, acceptance is expressly limited to these terms. The Website is available only to individuals who are at least 13 years old.
Your FinanceFinderPro.com Account and Site. If you create a blog/site on the Website, you are responsible for maintaining the security of your account and blog, and you are fully responsible for all activities that occur under the account and any other actions taken in connection with the blog. You must not describe or assign keywords to your blog in a misleading or unlawful manner, including in a manner intended to trade on the name or reputation of others, and Finance Finder Pro may change or remove any description or keyword that it considers inappropriate or unlawful, or otherwise likely to cause Finance Finder Pro liability. You must immediately notify Finance Finder Pro of any unauthorized uses of your blog, your account or any other breaches of security. Finance Finder Pro will not be liable for any acts or omissions by You, including any damages of any kind incurred as a result of such acts or omissions.
Responsibility of Contributors. If you operate a blog, comment on a blog, post material to the Website, post links on the Website, or otherwise make (or allow any third party to make) material available by means of the Website (any such material, "Content"), You are entirely responsible for the content of, and any harm resulting from, that Content. That is the case regardless of whether the Content in question constitutes text, graphics, an audio file, or computer software. By making Content available, you represent and warrant that:
the downloading, copying and use of the Content will not infringe the proprietary rights, including but not limited to the copyright, patent, trademark or trade secret rights, of any third party;
if your employer has rights to intellectual property you create, you have either (i) received permission from your employer to post or make available the Content, including but not limited to any software, or (ii) secured from your employer a waiver as to all rights in or to the Content;
you have fully complied with any third-party licenses relating to the Content, and have done all things necessary to successfully pass through to end users any required terms;
the Content does not contain or install any viruses, worms, malware, Trojan horses or other harmful or destructive content;
the Content is not spam, is not machine- or randomly-generated, and does not contain unethical or unwanted commercial content designed to drive traffic to third party sites or boost the search engine rankings of third party sites, or to further unlawful acts (such as phishing) or mislead recipients as to the source of the material (such as spoofing);
the Content is not pornographic, does not contain threats or incite violence towards individuals or entities, and does not violate the privacy or publicity rights of any third party;
your blog is not getting advertised via unwanted electronic messages such as spam links on newsgroups, email lists, other blogs and web sites, and similar unsolicited promotional methods;
your blog is not named in a manner that misleads your readers into thinking that you are another person or company. For example, your blog's URL or name is not the name of a person other than yourself or company other than your own; and
you have, in the case of Content that includes computer code, accurately categorized and/or described the type, nature, uses and effects of the materials, whether requested to do so by Finance Finder Pro or otherwise.
By selecting a product or service, you agree to pay Finance Finder Pro the one-time and/or monthly or annual subscription fees indicated (additional payment terms may be included in other communications). Subscription payments will be charged on a pre-pay basis on the day you sign up for an Upgrade and will cover the use of that service for a monthly or annual subscription period as indicated. Payments are not refundable.
Unless you notify Finance Finder Pro before the end of the applicable subscription period that you want to cancel a subscription, your subscription will automatically renew and you authorize us to collect the then-applicable annual or monthly subscription fee for such subscription (as well as any taxes) using any credit card or other payment mechanism we have on record for you. Upgrades can be canceled at any time by submitting your request to Finance Finder Pro in writing.
Fees; Payment. By signing up for a Services account you agree to pay Finance Finder Pro the applicable setup fees and recurring fees. Applicable fees will be invoiced starting from the day your services are established and in advance of using such services. Finance Finder Pro reserves the right to change the payment terms and fees upon thirty (30) days prior written notice to you. Services can be canceled by you at anytime on thirty (30) days written notice to Finance Finder Pro.
Support. If your service includes access to priority email support. "Email support" means the ability to make requests for technical support assistance by email at any time (with reasonable efforts by Finance Finder Pro to respond within one business day) concerning the use of the VIP Services. "Priority" means that support takes priority over support for users of the standard or free FinanceFinderPro.com services. All support will be provided in accordance with Finance Finder Pro standard services practices, procedures and policies.
Responsibility of Website Visitors. Finance Finder Pro has not reviewed, and cannot review, all of the material, including computer software, posted to the Website, and cannot therefore be responsible for that material's content, use or effects. By operating the Website, Finance Finder Pro does not represent or imply that it endorses the material there posted, or that it believes such material to be accurate, useful or non-harmful. You are responsible for taking precautions as necessary to protect yourself and your computer systems from viruses, worms, Trojan horses, and other harmful or destructive content. The Website may contain content that is offensive, indecent, or otherwise objectionable, as well as content containing technical inaccuracies, typographical mistakes, and other errors. The Website may also contain material that violates the privacy or publicity rights, or infringes the intellectual property and other proprietary rights, of third parties, or the downloading, copying or use of which is subject to additional terms and conditions, stated or unstated. Finance Finder Pro disclaims any responsibility for any harm resulting from the use by visitors of the Website, or from any downloading by those visitors of content there posted.
Content Posted on Other Websites. We have not reviewed, and cannot review, all of the material, including computer software, made available through the websites and webpages to which FinanceFinderPro.com links, and that link to FinanceFinderPro.com. Finance Finder Pro does not have any control over those non-Finance Finder Pro websites and webpages, and is not responsible for their contents or their use. By linking to a non-Finance Finder Pro website or webpage, Finance Finder Pro does not represent or imply that it endorses such website or webpage. You are responsible for taking precautions as necessary to protect yourself and your computer systems from viruses, worms, Trojan horses, and other harmful or destructive content. Finance Finder Pro disclaims any responsibility for any harm resulting from your use of non-Finance Finder Pro websites and webpages.
Copyright Infringement and DMCA Policy. As Finance Finder Pro asks others to respect its intellectual property rights, it respects the intellectual property rights of others. If you believe that material located on or linked to by FinanceFinderPro.com violates your copyright, you are encouraged to notify Finance Finder Pro in accordance with Finance Finder Pro' Digital Millennium Copyright Act ("DMCA") Policy. Finance Finder Pro will respond to all such notices, including as required or appropriate by removing the infringing material or disabling all links to the infringing material. Finance Finder Pro will terminate a visitor's access to and use of the Website if, under appropriate circumstances, the visitor is determined to be a repeat infringer of the copyrights or other intellectual property rights of Finance Finder Pro or others. In the case of such termination, Finance Finder Pro will have no obligation to provide a refund of any amounts previously paid to Finance Finder Pro.
Intellectual Property. This Agreement does not transfer from Finance Finder Pro to you any Finance Finder Pro or third party intellectual property, and all right, title and interest in and to such property will remain (as between the parties) solely with Finance Finder Pro. Finance Finder Pro, FinanceFinderPro.com, the FinanceFinderPro.com logo, and all other trademarks, service marks, graphics and logos used in connection with FinanceFinderPro.com, or the Website are trademarks or registered trademarks of Finance Finder Pro or Finance Finder Pro' licensors. Other trademarks, service marks, graphics and logos used in connection with the Website may be the trademarks of other third parties. Your use of the Website grants you no right or license to reproduce or otherwise use any Finance Finder Pro or third-party trademarks.
Advertisements. Finance Finder Pro reserves the right to display advertisements on your blog unless you have purchased an ad-free account.
Attribution. Finance Finder Pro reserves the right to display attribution links such as 'Blog at FinanceFinderPro.com,' theme author, and font attribution in your blog footer or toolbar.
Partner Products. By activating a partner product (e.g. theme) from one of our partners, you agree to that partner's terms of service. You can opt out of their terms of service at any time by de-activating the partner product.
Domain Names. If you are registering a domain name, using or transferring a previously registered domain name, you acknowledge and agree that use of the domain name is also subject to the policies of the Internet Corporation for Assigned Names and Numbers ("ICANN"), including their Registration Rights and Responsibilities.
Changes. Finance Finder Pro reserves the right, at its sole discretion, to modify or replace any part of this Agreement. It is your responsibility to check this Agreement periodically for changes. Your continued use of or access to the Website following the posting of any changes to this Agreement constitutes acceptance of those changes. Finance Finder Pro may also, in the future, offer new services and/or features through the Website (including, the release of new tools and resources). Such new features and/or services shall be subject to the terms and conditions of this Agreement.
Termination. Finance Finder Pro may terminate your access to all or any part of the Website at any time, with or without cause, with or without notice, effective immediately. If you wish to terminate this Agreement or your FinanceFinderPro.com account (if you have one), you may simply discontinue using the Website. Notwithstanding the foregoing, if you have a paid services account, such account can only be terminated by Finance Finder Pro if you materially breach this Agreement and fail to cure such breach within thirty (30) days from Finance Finder Pro' notice to you thereof; provided that, Finance Finder Pro can terminate the Website immediately as part of a general shut down of our service. All provisions of this Agreement which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity and limitations of liability.
Disclaimer of Warranties. The Website is provided "as is". Finance Finder Pro and its suppliers and licensors hereby disclaim all warranties of any kind, express or implied, including, without limitation, the warranties of merchantability, fitness for a particular purpose and non-infringement. Neither Finance Finder Pro nor its suppliers and licensors, makes any warranty that the Website will be error free or that access thereto will be continuous or uninterrupted. You understand that you download from, or otherwise obtain content or services through, the Website at your own discretion and risk.
Limitation of Liability. In no event will Finance Finder Pro, or its suppliers or licensors, be liable with respect to any subject matter of this agreement under any contract, negligence, strict liability or other legal or equitable theory for: (i) any special, incidental or consequential damages; (ii) the cost of procurement for substitute products or services; (iii) for interruption of use or loss or corruption of data; or (iv) for any amounts that exceed the fees paid by you to Finance Finder Pro under this agreement during the twelve (12) month period prior to the cause of action. Finance Finder Pro shall have no liability for any failure or delay due to matters beyond their reasonable control. The foregoing shall not apply to the extent prohibited by applicable law.
Indemnification. You agree to indemnify and hold harmless Finance Finder Pro, its contractors, and its licensors, and their respective directors, officers, employees and agents from and against any and all claims and expenses, including attorneys' fees, arising out of your use of the Website, including but not limited to your violation of this Agreement.
Miscellaneous. This Agreement constitutes the entire agreement between Finance Finder Pro and you concerning the subject matter hereof, and they may only be modified by a written amendment signed by an authorized executive of Finance Finder Pro, or by the posting by Finance Finder Pro of a revised version. Except to the extent applicable law, if any, provides otherwise, this Agreement, any access to or use of the Website will be governed by the laws of the state of Pennsylvania, U.S.A., excluding its conflict of law provisions, and the proper venue for any disputes arising out of or relating to any of the same will be the state and federal courts located in Indiana County, Pennsylvania. Except for claims for injunctive or equitable relief or claims regarding intellectual property rights (which may be brought in any competent court without the posting of a bond), any dispute arising under this Agreement shall be finally settled in accordance with the Comprehensive Arbitration Rules of the Judicial Arbitration and Mediation Service, Inc. ("JAMS") by three arbitrators appointed in accordance with such Rules. The arbitration shall take place in Pennsylvania, in the English language and the arbitral decision may be enforced in any court. The prevailing party in any action or proceeding to enforce this Agreement shall be entitled to costs and attorneys' fees. If any part of this Agreement is held invalid or unenforceable, that part will be construed to reflect the parties' original intent, and the remaining portions will remain in full force and effect. A waiver by either party of any term or condition of this Agreement or any breach thereof, in any one instance, will not waive such term or condition or any subsequent breach thereof. You may assign your rights under this Agreement to any party that consents to, and agrees to be bound by, its terms and conditions; Finance Finder Pro may assign its rights under this Agreement without condition. This Agreement will be binding upon and will inure to the benefit of the parties, their successors and permitted assigns.
Finance Finder Pro ("Finance Finder Pro") operates FinanceFinderPro.com and may operate other websites. It is Finance Finder Pro' policy to respect your privacy regarding any information we may collect while operating our websites.
Like most website operators, Finance Finder Pro collects non-personally-identifying information of the sort that web browsers and servers typically make available, such as the browser type, language preference, referring site, and the date and time of each visitor request. Finance Finder Pro' purpose in collecting non-personally identifying information is to better understand how Finance Finder Pro' visitors use its website. From time to time, Finance Finder Pro may release non-personally-identifying information in the aggregate, e.g., by publishing a report on trends in the usage of its website.
Finance Finder Pro also collects potentially personally-identifying information like Internet Protocol (IP) addresses for logged in users and for users leaving comments on FinanceFinderPro.com blogs/sites. Finance Finder Pro only discloses logged in user and commenter IP addresses under the same circumstances that it uses and discloses personally-identifying information as described below, except that commenter IP addresses and email addresses are visible and disclosed to the administrators of the blog/site where the comment was left.
Gathering of Personally-Identifying Information
Certain visitors to Finance Finder Pro' websites choose to interact with Finance Finder Pro in ways that require Finance Finder Pro to gather personally-identifying information. The amount and type of information that Finance Finder Pro gathers depends on the nature of the interaction. For example, we ask visitors who sign up at FinanceFinderPro.com to provide a username and email address. Those who engage in transactions with Finance Finder Pro are asked to provide additional information, including as necessary the personal and financial information required to process those transactions. In each case, Finance Finder Pro collects such information only insofar as is necessary or appropriate to fulfill the purpose of the visitor's interaction with Finance Finder Pro. Finance Finder Pro does not disclose personally-identifying information other than as described below. And visitors can always refuse to supply personally-identifying information, with the caveat that it may prevent them from engaging in certain website-related activities.
Finance Finder Pro may collect statistics about the behavior of visitors to its websites. Finance Finder Pro may display this information publicly or provide it to others. However, Finance Finder Pro does not disclose personally-identifying information other than as described below.
Protection of Certain Personally-Identifying Information
Finance Finder Pro discloses potentially personally-identifying and personally-identifying information only to those of its employees, contractors and affiliated organizations that (i) need to know that information in order to process it on Finance Finder Pro’s behalf or to provide services available at Finance Finder Pros’ websites, and (ii) that have agreed not to disclose it to others. Some of those employees, contractors and affiliated organizations may be located outside of your home country; by using Finance Finder Pros’ websites, you consent to the transfer of such information to them for the purposes of email marketing. Finance Finder Pro will not rent or sell potentially personally-identifying and personally-identifying information to anyone outside of our trusted email partners, which may send relevant offers. Other than to its employees, contractors and affiliated organizations, as described above, Finance Finder Pros discloses potentially personally-identifying and personally-identifying information only in response to a subpoena, court order or other governmental request, or when Finance Finder Pro believes in good faith that disclosure is reasonably necessary to protect the property or rights of Finance Finder Pro, third parties or the public at large. If you are a registered user of an Finance Finder Pro website and have supplied your email address, Finance Finder Pro (and it’s trusted partners) may occasionally send you an email to tell you about new features, solicit your feedback, or just keep you up to date with what's going on with Finance Finder Pro and our products. If you send us a request (for example via email or via one of our feedback mechanisms), we reserve the right to publish it in order to help us clarify or respond to your request or to help us support other users. Finance Finder Pro takes all measures reasonably necessary to protect against the unauthorized access, use, alteration or destruction of potentially personally-identifying and personally-identifying information.
If Finance Finder Pro, or substantially all of its assets, were acquired, or in the unlikely event that Finance Finder Pro goes out of business or enters bankruptcy, user information would be one of the assets that is transferred or acquired by a third party. You acknowledge that such transfers may occur, and that any acquirer of Finance Finder Pro may continue to use your personal information as set forth in this policy.