Terms of Service

Acceptance of Terms

By accessing and using Pre-Approval Online (the "Website"), you accept and agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use our Website or services.

We reserve the right to modify these Terms at any time. Your continued use of the Website after any changes indicates your acceptance of the updated Terms.

Eligibility

You must meet the following criteria to use our services:

• You must be at least 18 years old.
• You must be a legal resident of the United States.
• You must provide accurate, current, and complete information.
• You must have the legal capacity to enter into binding contracts.

Our Service

Pre-Approval Online provides a credit card matching service connecting consumers with credit card offers from partner banks. Important points about our service:

• We do not issue credit cards directly.
• We are not a financial institution, lender, or bank.
• All credit card applications are processed directly by our partner banks.
• We provide matching recommendations based on the information you provide.
• While we strive for 99% accuracy in our matching predictions, approval decisions are ultimately made by the issuing banks.

User Representations

By using our service, you represent and warrant that:

• All information you provide is accurate, current, and complete.
• You will maintain the accuracy of your information and update it as necessary.
• You will use our service only for lawful purposes.
• You will not use our service to impersonate any person or entity.
• You will not attempt to gain unauthorized access to our systems.

Intellectual Property

All content, logos, trademarks, and materials on this website are the property of Pre-Approval Online and are protected by United States and international copyright, trademark, and other intellectual property laws.

You may not:

• Reproduce, distribute, or transmit any content without our written permission.
• Use our trademarks or logos without our prior written consent.
• Create derivative works based on our content.
• Use any data mining, robots, or similar data gathering methods.

Disclaimer of Warranties

Our service is provided on an "as is" and "as available" basis. We make no warranties, expressed or implied, including but not limited to:

• Implied warranties of merchantability and fitness for a particular purpose.
• Warranties that our service will be uninterrupted, timely, secure, or error-free.
• Warranties regarding the accuracy or reliability of any matching predictions.
• Warranties that any errors will be corrected.

While we strive for 99% accuracy in our matching predictions, approval decisions are ultimately made by the issuing banks, and we cannot guarantee approval.

Limitation of Liability

Pre-Approval Online shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to:

• Loss of profits, data, or goodwill.
• Service interruptions or system failures.
• Unauthorized access to or alteration of your data.
• Any errors or omissions in our matching recommendations.

Our total liability shall not exceed the amount you have paid us for our services (which is $0, as our service is free).

Indemnification

You agree to indemnify, defend, and hold harmless Pre-Approval Online and its affiliates, officers, directors, employees, and agents from any claims, liabilities, damages, losses, and expenses arising out of or in connection with your use of our service or violation of these Terms.

Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the content, privacy policies, or practices of any third-party websites. Your use of third-party websites is at your own risk.

Termination

We reserve the right to terminate or suspend your access to our service at any time, without prior notice, for any reason, including violation of these Terms.

Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, without regard to its conflict of law provisions. Any legal action arising out of these Terms shall be filed in the courts located in Delaware.

Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.

Entire Agreement

These Terms constitute the entire agreement between you and Pre-Approval Online regarding our service and supersede all prior agreements and understandings.

Contact Us

For questions about these Terms, please contact us at:

Email: support@pre-approval.online

Last Updated: January 1, 2026