Terms and Conditions

Last updated: 24th November 2015

This Terms and Conditions agreement describes Silver’s agreement, represented by Timid Ventures, LLC to arbitrate all claims and disclaimers of warranties and liability. By continuing to use Silver mobile application, you agree to abide to and are bound by these Terms and Conditions. We reserve the right to change these Terms and Conditions at any time.

This Agreement contains an agreement to arbitrate claims and disclaimers of warranties and liability.

Using Silver’s services

Silver is not a Card Issuer

Silver’s core function is to link Users to the Credit Card Issuers that have potentially the most interesting value proposition for them according to what they are looking for in a credit card. Silver is not a financial institution or a Card Issuer. Silver only provides advice and assistance in understanding, comparing and choosing credit cards.

Users are responsible for their financial decisions

Silver is striving to provide accurate and useful financial information to help Users choose the best credit card deals for them. However Silver Money Services could not be hold responsible for the licensing, certification or other requirements of Credit Card issuers, nor for any losses, costs, damages or claims related to Credit Cards. Credit Card issuers endorse the entire responsibility of the products and services they provide to the Users. Users are therefore responsible for their own financial decisions and judgment and should refer directly to the Credit Card issuers’ terms of service.

Our intellectual property rights
The information, advice, data, software and content viewable on, contained in, or downloadable from, The Web Site and the Mobile Application (collectively, the “Content”), including, without limitation, all text, graphics, charts, pictures, photographs, images, line art, icons, renditions and floor plans, are copyrighted by, or otherwise licensed to, Silver or its Content suppliers.

We may collect non-personal identification information about Users whenever they interact with our Mobile Applications. Non-personal identification information may include the browser name, the type of computer and technical information about Users means of connection to our Site, such as the operating system and the Internet service providers utilized and other similar information.

You acknowledge that by providing you with the ability to view content through our site, Silver is not undertaking any obligation or liability relating to the content.

We have all rights in our site and content

(a) Silver (including all text, photographs, graphics, video and audio content contained on our site) is protected by copyright as a collective work or compilation under the copyright laws of the United States and other countries, and we (subject to the rights of our licensors and licensees under applicable agreements, understandings and arrangements) have all rights therein. All individual articles, blogs, videos, content and other elements comprising our site are also copyrighted works, and we (subject to the rights of bloggers
2 under applicable agreements, understandings and arrangements) have all rights therein. You must abide by all additional copyright notices or restrictions contained on Silver.

Your use of our content is restricted

(a) Unless expressly permitted, you may not copy, reproduce, distribute, publish, enter into a database, display, perform, modify, create derivative works from, transmit or in any way exploit any part of our site or any content thereon, except that you may make printed copies that are limited to occasional articles of personal interest only. You may not distribute any part of this site or any content thereon over any network, including, without limitation, a local area network, or sell or offer it for sale. In addition, these files may not be used to construct any kind of database. We respect the right of others to make fair use of the materials contained on our site; accordingly, you may from time to time excerpt and use materials set forth on this site consistent with the principles of fair use.

(b) We are concerned about the integrity of Silver when it is viewed in a setting created by a third party that includes advertising or other materials that we have not authorized to be displayed with the content of our site. Neither you nor any third party shall make use of the contents of our site in any manner that constitutes an infringement of our rights, including copyright or that has not been authorized by us.

We are not responsible for linked sites

Any third-party link embedded on our website and mobile application i.e links to services hosted on other companies’ websites does not constitute an endorsement by Silver. Silver is not responsible for the activities, rates, terms or policies of those third parties.

We are not responsible for the availability or content of other services that may be linked to our site. Because we have no control over such services, you acknowledge and agree that we are not responsible for the availability of such external services, and that we do not endorse and are not responsible or liable for any content, accuracy, quality, advertising, products or other materials on or available from such services. You further acknowledge and agree that we shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any content, goods or services available on or through such services.

We may be legally compelled to disclose certain information

You agree that in the event we receive a subpoena issued by a court or from a law enforcement or government agency, we shall comply with such subpoenas without your consent or prior notice to you and may disclose your IP address, username, IP location or other information in response thereto.

LEGAL DISPUTES

OUR SITE AND MOBILE APPLICATION IS AVAILABLE AS IS AND AS AVAILABLE. WE DO NOT WARRANT THAT OUR SITE WILL BE UNINTERRUPTED OR ERROR-FREE. THERE MAY BE DELAYS, OMISSIONS, INTERRUPTIONS AND INACCURACIES IN THE NEWS, INFORMATION OR OTHER MATERIALS AVAILABLE THROUGH OUR SITE FROM OUR INDIVIDUAL BLOGGERS. WE DO NOT MAKE ANY WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, WITH RESPECT TO OUR SITE OR ANY INFORMATION OR GOODS THAT ARE AVAILABLE OR ADVERTISED THROUGH OUR SITE. WE DO NOT MAKE ANY REPRESENTATIONS, NOR DO WE ENDORSE THE ACCURACY, COMPLETENESS, TIMELINESS OR RELIABILITY OF ANY ADVICE, OPINION, STATEMENT OR OTHER MATERIAL OR DATABASE DISPLAYED, UPLOADED OR DISTRIBUTED ON THIS SITE OR AVAILABLE THROUGH LINKS ON OUR SITE. WE RESERVE THE RIGHT TO CORRECT ANY ERRORS OR OMISSIONS ON OUR SITE. ALTHOUGH WE INTEND TO TAKE REASONABLE STEPS TO PREVENT THE INTRODUCTION OF VIRUSES, WORMS, TROJAN HORSES OR OTHER DESTRUCTIVE MATERIALS TO OUR SITE, WE DO NOT GUARANTEE OR WARRANT THAT OUR SITE OR MATERIALS THAT MAY BE DOWNLOADED FROM OUR SITE DO NOT CONTAIN SUCH DESTRUCTIVE FEATURES. WE ARE NOT LIABLE FOR ANY DAMAGES OR HARMATTRIBUTABLE TO SUCH FEATURES. IF YOU RELY ON OUR SITE AND ANY MATERIALS AVAILABLE THROUGH OUR SITE, YOU DO SO SOLELY AT YOUR OWN RISK. BY USING SILVER’S WEBSITE AND MOBILE APPLICATION, YOU EXPRESSLY AGREE THAT YOUR USE OF ALL PRODUCTS AND SERVICES IS AT YOUR SOLE RISK.

OUR SITE AND MOBILE APPLICATION MAY CONTAIN VARIOUS COMBINATIONS OF TEXT, IMAGES, AUDIOVISUAL PRODUCTIONS, OPINIONS, STATEMENTS, FACTS, ARTICLES, OR OTHER INFORMATION CREATED BY SILVER. ACCORDINGLY, SUCH CONTENT, IS FOR YOUR REFERENCE ONLY AND SHOULD NOT BE RELIED UPON BY YOU FOR ANY PURPOSE. INFORMATION CREATED OR REFERED TO ON OUR SITE OR THROUGH LINKS IS NOT ADOPTED OR ENDORSED BY US AND REMAINS THE RESPONSIBILITY OF EACH THIRD-PARTY WEBSITE. THE ACCURACY, CORRECTNESS OR COMPLETENESS OF THE CONTENT DISPLAYED ON SILVER WEBSITE AND MOBILE APPLICATION IS NOT ENDORSED BY SILVER. YOU AGREE THAT IT IS YOUR SOLE RESPONSIBILITY TO INDEPENDENTLY ASSESS THAT CONTENT AND TAKE ACTION.

Limitation of our liability

Silver is not liable for incidental, indirect, consequential, special, or exemplary damages of any kind, including, without limitation, lost revenues or profits, loss of business or loss of data, in any way related to this site or for any claim, loss or injury based on errors, omissions, interruptions or other inaccuracies in our site (including, without limitation, as a result of breach of any warranty or other term of these Terms and Conditions).

Your responsibility

You will be responsible for any harm we suffer as a result of your violation of these terms and conditions or any breach by you or your representations and warranties. You agree to indemnify and hold harmless Silver from and against all losses, expenses, damages and costs, including reasonable attorneys’ fees, resulting from any violation by you of these Terms and Conditions or any breach by you of your representations and warranties here under. We reserve the right to take over the exclusive defense of any claim for which we are entitled to indemnification under this Section 6. In such event, you shall provide us with such cooperation as is reasonably requested by us.

Any dispute between us will be governed by New York State Legislature

These Terms and Conditions shall be governed by the laws of the United States and the State of New York, applicable to agreements made and to be performed therein without regard to conflict of laws principles. BY CONTINUING TO USE OUR SITE AND MOBILE APPLICATION, YOU AGREE TO ABIDE BY THESE TERMS AND CONDITIONS.

If you have questions, comments, concerns or feedback regarding this Agreement or our Services, please contact us at [email protected]