Terms & Conditions

Welcome to CreditDonkey, owned and operated by LUNCHSPARK. The following are the Terms & Conditions ("Terms") that govern use of this website ("Site"). By using or visiting the Site, you expressly agree to be bound by these Terms and to following these Terms and all applicable laws and regulations governing the Site. LUNCHSPARK reserves the right to change these Terms at any time, without notice to you, effectively immediately upon posting on the Site.

You understand and agree that the Site is provided "AS-IS" and that LUNCHSPARK assumes no responsibility for any loss or damage.

CreditDonkey is not a credit card issuer, bank nor a lender. CreditDonkey does not issue credit cards or any credit products, it only provides information about such products. CreditDonkey contains links to third party resources. Those websites operate under their own privacy, terms and security policies. Please consult each third party's policy. We are not responsible or liable for any loss or damage of any kind incurred from your dealings with those third parties.

While we make reasonable efforts to keep all our information up to date, it is your responsibility to check with the credit card issuer, bank or lender. The information on our website is presented without any warranty. Any specific information such as rates, fees, benefits, promotions, terms and conditions, etc. found on our website is subject to change without notice. Before applying for any product shown on our website, you must review the latest terms and conditions of the product/offer on the product issuer's website in order to verify rates, fees, benefits, promotions, terms and conditions, etc.

All material on our website is provided for informational and educational purposes only. The material is not intended as a substitute for professional legal, credit or finance advice. You should consult your own lawyer for professional legal advice. You should consult your own individual credit counselor for professional credit advice. You should consult your own financial advisor for professional finance advice.

You agree that you are only authorized to visit, view and retain a copy of the pages of this Site for your personal use, and that you shall not duplicate, download, publish, modify or otherwise distribute the material on this Site for any commercial use, or for any purpose other than described in these Terms.

Use of this Site is void where prohibited. By using this site, you represent and warrant that you have the right, authority and capacity to enter into this Agreement and to abide by all the Terms & Conditions of this Agreement.

The content and software on this Site are the property of LUNCHSPARK and/or its licensors and are protected by U.S. and international copyright laws. Except for that information which is in the public domain or for which you have been given written permission, you may not reproduce, copy, edit, publish, transmit, display or upload any such information. LUNCHSPARK does not grant any express or implied right to you under any of its trademarks, copyrights or other proprietary information. In addition, LUNCHSPARK posts legal notices and various credits on pages of the Site, which may not be removed. Please do not remove this notice or these credits, or any additional information contained along with the notice and credits.

LUNCHSPARK WILL NOT BE LIABLE FOR ANY DAMAGES OF ANY KIND ARISING FROM THE USE OF THIS SITE, INCLUDING, WITHOUT LIMITATION, DIRECT, INDIRECT, INCIDENTAL, AND PUNITIVE AND CONSEQUENTIAL DAMAGES.

LUNCHSPARK cannot ensure that the materials you download or otherwise obtain from the site will be free of viruses or spyware or contamination or destructive features. ANY MATERIAL DOWNLOADED OR OTHERWISE OBTAINED FROM THE SITE IS DONE AT YOUR OWN DISCRETION AND RISK AND THAT YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF ANY SUCH MATERIAL. NO ADVISE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM THE SITE SHALL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THE TERMS.

Limitation on Liability

EXCEPT IN JURISDICTIONS WHERE SUCH PROVISIONS ARE RESTRICTED, IN NO EVENT WILL LUNCHSPARK BE LIABLE TO YOU FOR ANY INDIRECT, CONSEQUENTIAL, EXEMPLARY, INCIDENTAL, SPECIAL, OR PUNITIVE DAMAGES, INCLUDING LOST PROFITS, EVEN IF LUNCHSPARK HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Disputes

If there is any dispute about or involving the Site, you, by using the Site, agree that the dispute will be governed by the laws of the State of California without regard to its conflict-of-law provisions. You agree to personal jurisdiction by and venue in the state and federal courts located within the county of Los Angeles, California.

Binding Arbitration

Any dispute arising under or in connection with LUNCHSPARK, the Site, or its Terms and Privacy Policy shall be submitted to and resolved either by means of mediation or binding arbitration. Any arbitration shall be conducted in accordance with the then prevailing rules of the American Arbitration Association. The decision of the arbitrator in the matter shall be final and conclusive upon the parties. The arbitrator may include in his determination an award for costs and/or reasonable attorney’s fees to the prevailing party in the arbitration.

Waiver and Severability of Terms

The failure of LUNCHSPARK to exercise or enforce any right or provision of the Terms shall not constitute a waiver of such right or provision. If any provision of the Terms is found by a court of competent jurisdiction to be invalid, the parties nevertheless agree that the court should endeavor to give effect to the parties' intentions as reflected in the provision, and the other provisions of the Terms remain in full force and effect.

Indemnity

You agree to indemnify and hold LUNCHSPARK, and its subsidiaries, affiliates, officers, agents, co-branders or partners, and employees harmless from any loss, liability, claim, or demand, including reasonable attorneys' fees, made by any third party due to or arising out of your use of the Site, your connection to the Site, a link to another site, to upload Content or other information to the Site, or your violation of any rights of another.

If you do not agree to these Terms & Conditions, DO NOT use this Site.