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Terms and Conditions

Welcome to (referred to as "the Website"). The following terms and conditions govern your use of our credit card application service (referred to as "the Service"). By using the Service, you agree to these terms and conditions in full. If you disagree with any part of these terms and conditions, please do not use the Service.

1. Service Description
The Service provided by is aimed at assisting individuals within our community in applying for credit cards. We facilitate the application process on behalf of the users. We ensure a secure and organized system for submitting and processing credit card applications. We act as a dedicated concierge service, streamlining and managing the application process on behalf of our users. We emphasize that our role is strictly as an authorized representative by the consumer, not as an official extension of the bank's application process.

2. Eligibility
To use our Service, you must be legally eligible to apply for credit cards in your jurisdiction. By using the Service, you confirm that you meet the necessary eligibility criteria.

3. Application Process
To apply for a credit card through our Service, users are required to submit their personal information via the application form provided on our Website. This information will be securely processed and used solely for the purpose of facilitating the credit card application.

4. Authorization
By submitting your personal information through our Service, you authorize to act as your agent in processing the credit card application. We will use the information provided to apply for a credit card on your behalf with the respective bank or financial institution. If this application is for a business card, you authorize that the official application will be submitted as a sole proprietorship. We may contact you for additional information; if we are unable to reach you, we will assume the role of completing the application with a standard amount of income and selecting "Other" as the business category.

5. Third-Party Websites
Please note that is an independent website and is not affiliated with any bank or financial institution. While we strive to provide accurate and up-to-date information, we cannot guarantee the accuracy or completeness of the information provided on third-party websites linked to from our Website.

6. Security
We take the security and privacy of your personal information seriously. Our Website employs industry-standard security measures to protect your data from unauthorized access, disclosure, alteration, or destruction.

7. Limitation of Liability
To the fullest extent permitted by law, shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising out of or in connection with the use or inability to use the Service.

8. Changes to Terms and Conditions
We reserve the right to modify these terms and conditions at any time. Any changes will be effective immediately upon posting on our Website. Your continued use of the Service after the posting of any changes constitutes acceptance of those changes.

9. Governing Law
These terms and conditions shall be governed by and construed in accordance with the laws of the United States. Any disputes arising out of or in connection with these terms and conditions shall be subject to the exclusive jurisdiction of the courts of the United States.

10. Contact Information
If you have any questions or concerns about these terms and conditions or our Service, please contact us at

11. User Responsibility and Identity Verification
By submitting your personal information through our Service, you confirm that all information provided is accurate and belongs to you. If you are submitting the application on behalf of someone else, you must have explicit authorization to do so. Any unauthorized use or submission of false information may result in prosecution to the fullest extent of the law for identity theft.

12. Review of Bank's Terms and Conditions
Each user is required and agrees to review the actual bank's application, including all required information, certifications, and the bank's terms and conditions, before submitting the application. It is the user's responsibility to ensure they understand and comply with the bank's requirements.

13. Credit Authorization
By applying for a credit card through our Service, you are authorizing the respective bank to pull your credit report, which may negatively impact your credit score.

By using our Service, you acknowledge that you have read, understood, and agree to be bound by these terms and conditions.

Last updated: 3/20/2024