These Terms & Conditions ("Terms") govern your access to and use of Lendellect.com (the "Platform"), operated by Lendellect ("Lendellect," "we," "us," or "our"). By accessing or using the Platform, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree to these Terms, please discontinue use of the Platform immediately.
Lendellect is an independent credit card discovery and comparison platform designed to help users explore, compare, and understand credit card products available in the United States.
We are not:
Unless clearly disclosed otherwise, Lendellect does not accept affiliate commissions or paid placements that influence rankings or recommendations. Our comparison tools are intended solely for educational and informational purposes and should not be considered financial advice.
Credit card offers, fees, rewards, interest rates, eligibility requirements, and promotional terms may change at any time. Users should always verify all information directly with the issuing bank before applying for any financial product.
You must be at least 18 years of age and legally capable of entering into binding agreements to use the Platform.
By using the Platform, you represent and warrant that you satisfy these eligibility requirements.
You may create an account using supported third-party authentication providers such as Google, Facebook, or LinkedIn.
You are responsible for maintaining the confidentiality of your login credentials and for all activities that occur under your account.
You agree to notify us immediately if you suspect unauthorized access to your account.
You agree to:
You agree not to:
Lendellect provides an optional Wallet feature that allows users to save information about their own credit cards.
Users are solely responsible for the accuracy of the information they provide.
You agree not to upload sensitive financial information including:
The Platform may contain links to third-party banks, financial institutions, and credit card issuers.
These links are provided solely for your convenience. Lendellect does not control, endorse, or guarantee the content, availability, security, or privacy practices of third-party websites.
Your interactions with third-party websites are governed entirely by their own terms and privacy policies.
All information available on the Platform, including comparison tools, rankings, educational content, calculators, and recommendations, is provided for informational purposes only.
Nothing on the Platform constitutes:
Users should independently evaluate all financial decisions and consult qualified professionals when appropriate.
All Platform content including:
are owned by Lendellect or its licensors and are protected by applicable copyright, trademark, and intellectual property laws.
You may not reproduce, distribute, modify, publish, or commercially use Platform content without prior written permission.
The Platform is provided on an "AS IS" and "AS AVAILABLE" basis.
We make no warranties or guarantees regarding:
We do not guarantee uninterrupted, secure, or error-free operation of the Platform.
To the maximum extent permitted by applicable law, Lendellect, its owners, employees, affiliates, contractors, licensors, and service providers shall not be liable for any indirect, incidental, consequential, punitive, or special damages arising from your use of the Platform.
This includes, without limitation:
You agree to indemnify and hold harmless Lendellect, its affiliates, employees, officers, and partners from any claims, liabilities, damages, expenses, or legal fees arising out of your use of the Platform or your violation of these Terms.
We reserve the right to suspend or permanently terminate accounts, subscriptions, or access to the Platform at our sole discretion for:
We may modify, update, suspend, discontinue, or remove any feature of the Platform without prior notice.
We are not liable for any modification or discontinuation of the Platform or its services.
We may revise these Terms periodically.
The "Last Updated" date indicates the latest revision. Continued use of the Platform after revisions become effective constitutes acceptance of the updated Terms.
These Terms shall be governed by and interpreted in accordance with the laws of the United States and the state in which Lendellect maintains its principal place of business, without regard to conflict-of-law principles.
If any provision of these Terms is determined to be unlawful, unenforceable, or invalid, the remaining provisions shall remain in full force and effect.
If you have any questions regarding these Terms & Conditions, please contact us:
Email:
contact@lendellect.com
