These Terms of Service explain the rules for using cards.havyauto.com. The site is free to use, and by using it you agree to these terms. If you do not agree with them, please do not use the site.
Acceptance of these terms
By visiting or using this website, you accept these Terms of Service. We may update these terms from time to time, and the version published on this page is the one that applies. If we make a material change, we will update this page. Continued use of the site after a change means you accept the updated terms.
What this site is
Cards.havyauto.com publishes free informational guides about credit cards. Our articles compare cash back cards, travel cards, balance transfer cards, business cards, student cards, and no-annual-fee cards, and explain how they work in plain language. The site is a publication, not a financial service. We do not sell credit cards, process applications, or provide banking services of any kind.
No financial advice
Nothing on this site is financial, legal, or tax advice. Our guides are general information meant to help you compare your options. They do not take your income, credit history, debts, or goals into account, and they are not a recommendation to apply for any particular card. Before applying for a card, read the issuer's own terms and consider your own financial situation. If you need advice about your circumstances, please speak to a qualified financial adviser.
Accuracy and changes
Card rates, fees, rewards, and offers change often, and issuers can change their terms at any time. We work to keep our guides accurate and up to date, but we cannot guarantee that every detail is current at the moment you read it. Always verify the current terms directly with the card issuer before you apply. We may update, correct, or remove content at any time without notice, and we may change or discontinue any part of the site.
Using our content
You may read and use the content on this site for your own personal, non-commercial use. You may share a link to an article. You may not copy, republish, reproduce, or distribute our articles — in whole or in part — on another website, in a book, in a newsletter, or in any other publication without our written permission. You may not use our content to train a competing service, scrape the site in bulk, or present our work as your own.
You agree not to use this site in a way that breaks the law, harms the site or its visitors, or interferes with the site working normally. That includes attempting to gain unauthorized access to the site, sending spam through any contact channel, or misusing the site in any other way.
Links to other websites
Our articles link to third-party websites, including card issuer websites, so you can verify terms or apply directly. We do not control those sites, we are not responsible for their content, their terms, or their privacy practices, and a link does not mean we endorse the site or its products. When you leave our site, the other site's terms and privacy policy apply.
Limitation of liability
This site and its content are provided "as is," without warranties of any kind, express or implied. We do not warrant that the site will always be available, free of errors, or free of harmful components. To the fullest extent permitted by law, we are not liable for any loss or damage arising from your use of the site or from reliance on its content, including any loss arising from a card application, a credit decision, or a change in card terms. Your only remedy for dissatisfaction with the site is to stop using it.
Changes to these terms
We may revise these Terms of Service at any time by posting the updated version on this page. The updated terms take effect when posted. If you have questions about these terms, please contact us at contact@havyauto.com.