Terms of Service

1. Acceptance of Terms

These Terms of Service ("Terms") constitute a legally binding agreement between you ("User," "you," or "your") and Earnwell ("Earnwell," "we," "us," or "our"), governing your use of the website located at earnwellhq.com and all associated content, tools, and services (collectively, the "Service").

By accessing or using the Service in any way — including browsing, using the rewards calculator, submitting your email, or clicking any link — you confirm that you are at least 18 years of age, have read and understood these Terms, and agree to be bound by them.

2. Description of Service

Earnwell provides an informational tool that estimates potential credit card rewards value based on user-submitted spending data. We also provide general educational content about business credit card rewards programs.

Earnwell is not a bank, credit card issuer, credit counselor, licensed financial advisor, or registered investment advisor. Nothing on this site constitutes financial advice, investment advice, credit advice, or a recommendation to apply for any specific financial product.

All reward estimates generated by our tool are approximations based on publicly available rewards rates and user-provided spending inputs. Actual rewards earned will depend on your individual spending, the specific card terms in effect at time of application, your creditworthiness, and other factors outside our control.

3. Eligibility

You may use this Service only if you:

• Are at least 18 years of age
• Are a legal resident of the United States
• Are not barred from receiving services under applicable law
• Agree to these Terms and our Privacy Policy

We reserve the right to refuse service to anyone for any reason at any time.

4. Affiliate Disclosure and Compensation

Earnwell participates in affiliate marketing programs. When you click on certain links on our site and subsequently apply for or purchase a financial product, we may receive compensation from the card issuer or affiliate network. This compensation may influence which products we feature or how they are presented, but it does not affect the mathematical output of our rewards calculator, which is based solely on stated rewards rates and your spending inputs.

We are not employed by, endorsed by, or officially affiliated with any credit card issuer, bank, or financial institution featured on this site. Card product information, including rewards rates, fees, and benefits, may change at any time without notice to us. Always verify current terms directly with the card issuer before applying.

5. No Financial Advice; Limitation of Recommendations

All content on earnwellhq.com — including reward estimates, card recommendations, strategy session content, and email communications — is provided for informational and educational purposes only. Nothing constitutes:

• Financial advice or financial planning services
• Investment advice or securities recommendations
• Credit counseling or debt management advice
• Tax advice
• Legal advice

You should consult a qualified financial professional before making any financial decisions. Applying for credit products may affect your credit score. Credit approval is not guaranteed and is subject to each issuer's underwriting criteria.

6. Accuracy of Information

We make reasonable efforts to keep information on our site current and accurate, but we make no warranties or representations that:

• Rewards rates, card terms, or benefits displayed are current or accurate
• Reward estimates will reflect actual rewards you will earn
• Any card featured will be available or that you will be approved
• The site is free of errors, omissions, or inaccuracies

Card terms change frequently. Always visit the card issuer's official website to verify current terms, annual fees, APRs, and rewards structures before applying.

7. User Conduct

By using the Service, you agree not to:

• Provide false, misleading, or fraudulent information in any form or tool
• Use the Service for any unlawful purpose or in violation of any applicable law
• Attempt to reverse engineer, scrape, copy, or replicate our rewards calculator or any portion of the site
• Interfere with or disrupt the Service or servers connected to the Service
• Use automated tools to access or interact with the Service without our written consent
• Impersonate any person or entity or misrepresent your affiliation with any person or entity

8. Strategy Sessions

Earnwell offers paid one-on-one strategy sessions. By purchasing a strategy session, you acknowledge that:

• Strategy sessions are educational consultations, not licensed financial or legal advice
• Session content is based on general knowledge of credit card rewards programs and is not tailored financial planning
• Results discussed are not guaranteed
• Refunds are available within 48 hours of purchase if the session has not yet occurred; no refunds after the session is completed
• Sessions are for personal, non-commercial use; you may not record or redistribute session content without our written consent

9. Intellectual Property

All content on earnwellhq.com — including text, graphics, the rewards calculator tool, brand name, logo, and all associated intellectual property — is owned by or licensed to Earnwell and is protected by applicable copyright, trademark, and other intellectual property laws.

You may not reproduce, distribute, modify, create derivative works of, publicly display, or commercially exploit any content from this site without our express written permission. You may share links to our site and quote brief excerpts for commentary or review purposes with attribution.

10. Third-Party Links and Services

Our site contains links to third-party websites, including credit card issuer sites, affiliate networks, and booking platforms. These links are provided for convenience only. We have no control over the content, privacy practices, or terms of third-party sites and are not responsible for any loss or damage arising from your use of third-party sites. Visiting third-party sites is at your own risk.

11. Disclaimer of Warranties

12. Limitation of Liability

13. Indemnification

You agree to indemnify, defend, and hold harmless Earnwell and its owner, affiliates, agents, and licensors from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or in any way connected with: (a) your access to or use of the Service; (b) your violation of these Terms; (c) your violation of any third-party rights; or (d) any information you submit through the Service.

14. Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the State of Nebraska, without regard to its conflict of law provisions. Any dispute arising from these Terms or your use of the Service shall first be addressed through good-faith negotiation. If unresolved, disputes shall be submitted to binding arbitration under the American Arbitration Association's Consumer Arbitration Rules, conducted in Omaha, Nebraska.

You waive any right to participate in a class action lawsuit or class-wide arbitration against Earnwell.

15. Modifications to Terms

We reserve the right to modify these Terms at any time. We will post updated Terms on this page with a revised effective date. For material changes, we will provide notice via email to subscribers. Your continued use of the Service after changes are posted constitutes your acceptance of the updated Terms. If you do not agree to updated Terms, you must stop using the Service.

16. Termination

We reserve the right to suspend or terminate your access to the Service at any time, with or without notice, for any reason, including violation of these Terms. Upon termination, your right to use the Service ceases immediately. Sections 5, 9, 11, 12, 13, and 14 survive termination.

17. Entire Agreement

These Terms, together with our Privacy Policy and Affiliate Disclosure, constitute the entire agreement between you and Earnwell regarding use of the Service and supersede all prior agreements and understandings. If any provision of these Terms is found to be unenforceable, the remaining provisions will remain in full force and effect.

18. Contact