Terms of Service – Snowcap.Me
These terms and conditions govern your use of this website; by using this website, you accept these terms and conditions in full and without reservation. If you disagree with these terms and conditions or any part of these terms and conditions, you must not use this website.
You must be at least 18 years of age to use this website. By using this website and by agreeing to these terms and conditions, you warrant and represent that you are at least 18 years of age.
Content and opinions on this site are authors/editors’ alone, and not provided by any bank, credit card issuer, credit bureau, airline, or hotel chain. They have not been reviewed, approved, or otherwise endorsed by any of these entities. We attempt to keep the information found on this site as accurate as possible, but it is user’s liability to verify the financial offer terms and information on in the issuer’s official website during the application or dispute processes. Please contact us immediately if you find any inaccurate information. All third-party company logos and branding are trademarks of the respective third parties.
The offers on this site are from credit issuers from which Snowcap.Me receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). It is this compensation that enables Snowcap.Me to provide you with services like freezing and unfreezing your credit files at no cost. Snowcap.Me strives to provide a wide array of offers for our members, but our offers do not represent all financial services companies or products.
License to use website
Unless otherwise stated, https://www.snowcap.me owns the intellectual property rights to all content published on this website. Subject to the license below, all these intellectual property rights are reserved.
Snowcap.Me by Snowcap LLC is licensed under a Creative Commons Attribution-NonCommercial-NoDerivatives 4.0 International License.
You must not use this website in any way that causes, or may cause, damage to the website or impairment of the availability or accessibility of https://www.snowcap.me or in any way which is unlawful, illegal, fraudulent, or harmful, or in connection with any unlawful, illegal, fraudulent or harmful purpose or activity.
You must not use this website to copy, store, host, transmit, send, use, publish or distribute any material which consists of (or is linked to) any spyware, computer virus, trojan horse, worm, keystroke logger, rootkit, or other malicious computer software.
You must not conduct any systematic or automated data collection activities on or in relation to this website without the https://www.snowcap.me owner’s express written consent. This includes, but is not limited to:
- data mining
- data extraction
- data harvesting
- ‘framing’ (iframes)
You must not use this website or any part to transmit or send unsolicited commercial communications.
You must not use this website for any purposes related to marketing without the express written consent of https://www.snowcap.me.
Access to certain areas of this website is restricted. https://www.snowcap.me reserves the right to restrict access to certain areas of this website, or at our discretion, this entire website. https://www.snowcap.me may change or modify this policy without notice.
If https://www.snowcap.me provides you with a username and password to enable you to access restricted areas of this website or other content or services, you must ensure that the username and password are kept confidential. You alone are responsible for your password and username security.
In these terms and conditions, “your user content” means material (including, without limitation, text, images, audio material, video material, and audio-visual material) that you submit to this website for whatever purpose.
You grant to https://www.snowcap.me a worldwide, irrevocable, non-exclusive, royalty-free license to use, reproduce, adapt, publish, translate and distribute your user content in any existing or future media. You also grant to https://www.snowcap.me the right to sub-license these rights, and the right to bring an action for infringement of these rights.
Your user content must not be illegal or unlawful, must not infringe any third party’s legal rights, and must not be capable of giving rise to legal action whether against you or https://www.snowcap.me or a third party (in each case under any applicable law).
You must not submit any user content to the website that is or has ever been the subject of any threatened or actual legal proceedings or other similar complaints.
https://www.snowcap.me‘s rights under these terms and conditions in relation to user content, https://www.snowcap.me does not undertake to monitor the submission of such content to, or the publication of such content on, this website.
This website is provided “as is” without any representations or warranties, express or implied. https://www.snowcap.me makes no representations or warranties in relation to this website or the information and materials provided on this website.
Without prejudice to the generality of the foregoing paragraph, https://www.snowcap.me does not warrant that:
- this website will be constantly available, or available at all; or
- the information on this website is complete, true, accurate or non-misleading.
Nothing on this website constitutes or is meant to constitute, advice of any kind. If you require advice in relation to any legal, financial or medical matter, you should consult an appropriate professional.
Limitations of liability
https://www.snowcap.me will not be liable to you (whether under the law of contact, the law of torts or otherwise) in relation to the contents of, or use of, or otherwise in connection with, this website:
- to the extent that the website is provided free-of-charge, for any direct loss;
- for any indirect, special, or consequential loss; or
- for any business losses, loss of revenue, income, profits, or anticipated savings, loss of contracts or business relationships, loss of reputation or goodwill, or loss or corruption of information or data.
These limitations of liability apply even if https://www.snowcap.me has been expressly advised of the potential loss.
Nothing in this website disclaimer will exclude or limit any warranty implied by law that it would be unlawful to exclude or limit, and nothing in this website disclaimer will exclude or limit the liability of Snowcap LLC in respect of any:
- death or personal injury caused by the negligence of https://www.snowcap.me or its agents, employees or shareholders/owners;
- fraud or fraudulent misrepresentation on the part of https://www.snowcap.me; or
- matter which it would be illegal or unlawful for https://www.snowcap.me to exclude or limit, or to attempt or purport to exclude or limit, its liability.
By using this website, you agree that the exclusions and limitations of liability set out in this website disclaimer are reasonable.
If you do not think they are reasonable, you must not use this website.
You accept that, as a limited liability entity, https://www.snowcap.me has an interest in limiting the personal liability of its officers and employees. You agree that you will not bring any claim personally against https://www.snowcap.me‘s officers or employees in respect of any losses you suffer in connection with the website.
Without prejudice to the foregoing paragraph, you agree that the limitations of warranties and liability set out in this website disclaimer will protect https://www.snowcap.me‘s officers, employees, agents, subsidiaries, successors, assigns and sub-contractors as well as https://www.snowcap.me.
If any provision of this website disclaimer is, or is found to be, unenforceable under applicable law, that will not affect the enforceability of the other provisions of this website disclaimer.
You hereby indemnify https://www.snowcap.me and undertake to keep https://www.snowcap.me indemnified against any losses, damages, costs, liabilities and expenses (including without limitation legal expenses and any amounts paid by https://www.snowcap.me to a third party in settlement of a claim or dispute on the advice of https://www.snowcap.me‘s legal advisers) incurred or suffered by https://www.snowcap.me arising out of any breach by you of any provision of these terms and conditions, or arising out of any claim that you have breached any provision of these terms and conditions.
Breaches of these terms and conditions
Without prejudice to https://www.snowcap.me‘s other rights under these terms and conditions, if you breach these terms and conditions in any way, https://www.snowcap.me may take such action as https://www.snowcap.me deems appropriate to deal with the breach, including suspending your access to the website, prohibiting you from accessing the website, blocking computers using your IP address from accessing the website, contacting your internet service provider to request that they block your access to the website and/or bringing court proceedings against you.
https://www.snowcap.me may revise these terms and conditions from time-to-time. Revised terms and conditions will apply to the use of this website from the date of the publication of the revised terms and conditions on this website. Please check this page regularly to ensure you are familiar with the current version.
https://www.snowcap.me may transfer, sub-contract or otherwise deal with https://www.snowcap.me’s rights and/or obligations under these terms and conditions without notifying you or obtaining your consent.
You may not transfer, sub-contract or otherwise deal with your rights and/or obligations under these terms and conditions.
If a provision of these terms and conditions is determined by any court or other competent authority to be unlawful and/or unenforceable, the other provisions will continue. If any unlawful and/or unenforceable provision would be lawful or enforceable if part of it were deleted, that part will be deemed deleted, and the rest of the provision will continue in effect.