Effective Date: July 6, 2025
1. Agreement to Terms
By accessing or using BestCreditChoices.com (the "Site"), operated by Astravest LLC dba BestCreditChoices.com ("we," "us," or "our"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use our Site.
2. Description of Service
BestCreditChoices.com is a credit card comparison and information platform that provides:
- Credit card comparisons and reviews
- Educational content about credit cards and personal finance
- Tools to help users make informed credit decisions
- Links to third-party financial institutions and their products
3. Eligibility
You must be at least 18 years old to use our Site. By using our Site, you represent and warrant that you meet this age requirement.
4. User Responsibilities
4.1 Accurate Information
You agree to provide accurate, current, and complete information when using our Site and services.
4.2 Prohibited Uses
- Violate any applicable laws or regulations
- Transmit harmful, offensive, or inappropriate content
- Attempt to gain unauthorized access to our systems
- Use automated tools to scrape or harvest data
- Interfere with the proper functioning of the Site
5. Intellectual Property
5.1 Our Content
All content on BestCreditChoices.com, including text, graphics, logos, images, and software, is owned by Astravest LLC or our licensors and is protected by copyright and other intellectual property laws.
5.2 Limited License
We grant you a limited, non-exclusive, non-transferable license to access and use our Site for personal, non-commercial purposes.
6. Third-Party Links and Services
Our Site contains links to third-party websites and services, including financial institutions and credit card issuers. We are not responsible for:
- The content, privacy policies, or practices of third-party sites
- Any transactions between you and third parties
- The accuracy of information provided by third parties
7. Disclaimers
7.1 Information Accuracy
While we strive to provide accurate and up-to-date information, we make no warranties about the completeness, accuracy, or reliability of any content on our Site.
7.2 Financial Advice
The information on our Site is for educational and comparison purposes only and should not be considered personalized financial advice. Always consult with qualified financial professionals before making credit decisions.
7.3 No Guarantee of Approval
We do not guarantee that you will be approved for any credit products featured on our Site. Approval decisions are made solely by the respective financial institutions.
8. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, ASTRAVEST LLC SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, OR USE, ARISING OUT OF OR RELATING TO YOUR USE OF THE SITE.
9. Indemnification
You agree to indemnify and hold harmless Astravest LLC, its officers, directors, employees, and agents from any claims, damages, or expenses arising from your use of the Site or violation of these Terms.
10. Compensation Disclosure
We may receive compensation from financial institutions when users click on links or apply for products featured on our Site. This compensation may influence which products we feature and their placement on our Site, but it does not affect our editorial opinions or reviews.
11. Privacy
Your privacy is important to us. Please review our Privacy Policy, which explains how we collect, use, and protect your information.
12. Modifications
We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting. Your continued use of the Site after changes are posted constitutes acceptance of the modified Terms.
13. Termination
We may terminate or suspend your access to our Site at any time, with or without cause, and with or without notice.
14. Governing Law
These Terms are governed by the laws of the State of California, without regard to conflict of law principles. Any disputes shall be resolved in the courts of San Francisco County, California.
15. Severability
If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force and effect.
16. Contact Information
If you have questions about these Terms, please contact us at:
Astravest LLC dba BestCreditChoices.com
2261 Market Street STE 85237
San Francisco, CA 94114
Email: info@bestcreditchoices.com
Last Updated: July 6, 2025