SuperMoney’s Terms of Service

Published 06/06/2012 by

Last Updated 07/26/2025

1. Introduction

Welcome to SuperMoney. These Terms of Service (“Terms” or “Agreement”) are a legally binding agreement between you and SuperMoney, LLC (“SuperMoney,” “we,” “us,” or “our”), and they govern your access to and use of all websites, mobile applications, partner portals, widgets, email services, and any other digital tools, features, or services operated by SuperMoney and its affiliates and subsidiaries (collectively, the “Services”) and also govern any and all communications with us via phone, email, text or otherwise. The terms “you” or “your” refer to any individual or entity using the Services, whether in a personal or business capacity. If you are using the Services on behalf of an organization, you represent and warrant that you have the authority to bind that organization to this Agreement.

Our Services are currently intended for users located in the United States. If you access the Services from outside the United States, you do so at your own risk and are responsible for compliance with local laws.

PLEASE READ THESE TERMS OF SERVICE CAREFULLY. THEY CONTAIN A BINDING ARBITRATION AGREEMENT AND OTHER IMPORTANT INFORMATION REGARDING YOUR LEGAL RIGHTS, REMEDIES, AND OBLIGATIONS.

THE ARBITRATION AGREEMENT IN SECTION 18 REQUIRES (WITH LIMITED EXCEPTION) THAT YOU AND SUPERMONEY RESOLVE DISPUTES THROUGH FINAL AND BINDING INDIVIDUAL ARBITRATION RATHER THAN IN COURT.

THIS MEANS:

(1) YOU WAIVE YOUR RIGHT TO A TRIAL BY JURY OR TO PARTICIPATE IN A CLASS ACTION OR REPRESENTATIVE PROCEEDING;

(2) YOU MAY ONLY PURSUE CLAIMS AGAINST US ON AN INDIVIDUAL BASIS; AND

(3) YOUR RELIEF IS LIMITED TO CERTAIN REMEDIES PERMITTED UNDER THE AGREEMENT.

SEE SECTION 18 (“DISPUTE RESOLUTION BY BINDING ARBITRATION”) BELOW FOR FULL DETAILS.

2. Scope of Services

SuperMoney provides a platform that enables users to compare financial products, request personalized offers, access financial content and tools, publish or read reviews, and interact with service providers. These Services may be accessed through our website, mobile application, or other channels. Some Services may also enable users to connect with third-party financial institutions, advertisers, or technology partners.

3. Definitions

For purposes of these Terms of Service and any Supplemental Policies incorporated herein, the following definitions apply:

Account: A registered user profile created through SuperMoney’s platform, which may be used to access Services, request offers, store preferences, or interact with third-party Providers.
AI Tools: Features powered by artificial intelligence or machine learning technologies, including Sense AI, that generate responses, outputs, or insights based on user prompts or platform data.
Content: Any materials made available through the Services, including but not limited to text, data, images, videos, graphics, logos, reviews, user submissions, tools, software, and other information.
Partner: Any entity that has entered into a business arrangement with SuperMoney, including but not limited to advertisers, monetization partners, financial institutions, data providers, or technology vendors.
Partner Portal: Any SuperMoney-hosted B2B interface or dashboard through which Partners may access campaign tools, analytics, marketing resources, or account settings.
Personal Information: Any information that relates to an identified or identifiable individual, as defined under applicable privacy laws, including but not limited to names, contact details, account numbers, credit data, and financial attributes.
Prequalified Offer: A conditional offer or rate range presented to a user based on non-binding criteria (including a soft credit inquiry), not constituting a firm offer of credit.
Provider: A third-party company that offers financial products, services, or other business solutions through SuperMoney’s platform, including lenders, insurers, aggregators, or other financial services firms.
Services: All websites, applications, features, tools, content, products, and communication channels made available by SuperMoney, including comparison tools, prequalification platforms, financial calculators, Sense AI, SuperMoney Offers, SuperMoney Insights, and all related support and business systems.
Site Content: All content owned by or licensed to SuperMoney, including the layout, design, software, code, tools, and proprietary databases, excluding User Content and third-party content.
Additional Terms: Additional service-specific agreements and disclosures that apply to certain SuperMoney features or tools (e.g., SuperMoney Offers, SuperMoney Insights, Sense AI, TCPA Policy, or E-Consent), which are incorporated by reference into these Terms.
Third-Party Provider: A third-party entity offering content, services, or technology integrations within the SuperMoney platform. This may include data providers, account aggregators, or advertisers.
Third-Party Services: External services, websites, tools, or offers provided by Third-Party Providers that may be accessed through or integrated into the Services.
User or You: An individual or legal entity that accesses or uses any part of the SuperMoney Services. If you are accessing the Services on behalf of an organization, “you” includes both you as an individual and the entity you represent, and you represent that you are authorized to bind that entity to these Terms.
User Content: Any reviews, ratings, feedback, questions, comments, data, submissions, or other content submitted or posted by Users through the Services.

4. Acceptance the Terms

By accessing or using the Services in any manner — including but not limited to visiting the Site, creating an account, submitting a quote request, installing our app, or interacting with SuperMoney through embedded tools or B2B portals — you acknowledge that you have read, understood, and agree to be legally bound by these Terms, our Privacy Policy, and any applicable Additional Terms referenced herein.

You may accept these Terms:

By clicking “I Agree” or similar button when prompted;
By accessing or using the Services; or
By continuing to use the Services after updates to these Terms are posted.

If you do not agree to these Terms, you must not use or access the Services.

By accepting these Terms:

You represent that you are at least 18 years old and legally capable of forming a binding contract;
If you access the Services on behalf of a business or entity, you represent that you have the authority to bind that entity, and “you” will include both you and the entity;
You consent to the collection, use, and sharing of your personal information as described in our Privacy Policy.

In certain cases, Services may be offered by, through, or in conjunction with third-party providers (e.g., financial service providers, aggregators, advertisers, or affiliate platforms). These offerings may be subject to additional terms and conditions presented during onboarding, activation, or through embedded experiences (“Additional Terms”).

By using any feature or service subject to Additional Terms, you agree to those terms, which are incorporated by reference into this Agreement. If there is a conflict between these Terms and any applicable Additional Terms, the Additional Terms will control solely with respect to the specific service or feature to which they apply.

These Terms are the legal equivalent of a signed, written contract between you and SuperMoney, LLC. We recommend printing or saving a copy of these Terms for your records.

5. Changes to These Terms

We may update these Terms from time to time in our sole discretion. If we make material changes that affect your rights or obligations, we will provide advance notice by posting an updated version to our website and indicating the “Last Updated” date at the top of this page. Where required by law, we may also notify you via email or other reasonable method.

All changes become effective on the date indicated in the updated Terms. Your continued use of the Services following the effective date constitutes your acceptance of those changes. If you do not agree to the updated Terms, you must stop using the Services.

We encourage you to review these Terms periodically to stay informed about your rights and obligations.

6. Use of Services

Eligibility

To use the Services, you must:

Be at least 18 years old (or the age of majority in your state);
Be a legal resident of the United States;
Not have been previously suspended or removed from the Services; and
Register for and use the Services only for lawful purposes and in compliance with these Terms and all applicable laws and regulations.

If you are accessing the Services on behalf of a business or other legal entity (such as an advertiser or monetization partner), you represent and warrant that you have the authority to bind that entity, and you agree that “you” and “your” will refer to both you individually and the entity you represent. Business users may be required to accept additional terms before accessing specific features.

Account Registration

To access certain features of the Services, you must create a SuperMoney account (“Account”). You agree to:

Provide true, accurate, current, and complete registration information;
Keep your information up to date;
Not impersonate any person, misrepresent your identity, or create multiple Accounts without our written permission.

You may only create an account as a natural person acting on your own behalf unless registering separately as a business user. We reserve the right to reject, suspend, or terminate duplicate or ineligible accounts.

Identity Verification

You authorize us to make any inquiries we deem necessary to verify your identity and eligibility to use the Services. This may include requesting personal information such as your full name, address, date of birth, Social Security number, or government-issued ID, and confirming your email or financial account ownership. We may use third-party databases and services for this purpose. If we are unable to verify your identity, we may deny or restrict access to the Services.

To help combat identity theft, money laundering, and terrorism financing, we and our partners may collect and verify identifying information as required under the USA PATRIOT Act and other applicable laws.

Account Security

You are solely responsible for maintaining the confidentiality of your username, password, and other login credentials (“Registration Information”). You agree:

Not to share your credentials with others;
To use strong passwords (e.g., mix of letters, numbers, and symbols);
To notify us immediately at support@supermoney.com if you suspect unauthorized access to your Account or loss of your Registration Information.

We are not liable for any loss or damage arising from your failure to maintain the security of your Account.

Notices and Communications

By creating an Account, you consent to receive notices electronically, either via the email address associated with your Account or through messages posted within the Services. You are responsible for keeping your email address current.

No Financial Advice or Endorsements

SuperMoney operates an informational and comparison platform that enables users to access tools, content, product data, and third-party offers. We are not a bank, lender, credit card issuer, insurance provider, investment firm, or other financial service provider (“Provider”). We do not make credit decisions, issue financial products, or offer financial, legal, tax, or investment advice.

SuperMoney does not endorse or recommend any particular Provider, product, or service. All decisions regarding financial products and services are solely your responsibility. You are encouraged to consult with licensed professionals before making any financial decisions.

For more information on how SuperMoney provides information, not advice, please review our Sense AI Terms of Service and SuperMoney Offers Terms of Service.

Your Financial Decisions Are Your Responsibility

By using the Services, you agree that:

You alone are responsible for evaluating Providers and their offerings;
SuperMoney does not verify Provider credentials or regulatory status;
Any relationship between you and a Provider is solely between you and that Provider;
We are not liable for any losses, claims, or damages related to your use of any Provider’s products or services.

7. Additional Terms for Specific Services

Certain features and services offered through the SuperMoney platform are governed by additional terms. By using these specific features, you agree to the terms described below, which supplement and, where applicable, override the general Terms of Service.

A. SuperMoney Offers

This service is governed by additional terms that supplement these Terms of Service. By using SuperMoney Offers, you agree to the SuperMoney Offers Terms of Service, which include disclosures required under the Fair Credit Reporting Act and outline your rights around credit inquiries, data sharing, and Provider engagement.

B. SuperMoney Insights

Use of the SuperMoney Insights features is subject to the SuperMoney Insights Terms of Service, which include credit monitoring authorizations, data aggregator integrations, and restrictions on use.

C. Sense AI

By using the Sense AI chat features, you agree to the Sense AI Terms of Service, which outline the limitations of AI-generated output, usage restrictions, data privacy, and disclaimers.

D. User-Generated Content and Community Features

If you submit reviews, comments, feedback, or other content to SuperMoney:

You grant SuperMoney a royalty-free, perpetual, irrevocable, non-exclusive license to use, reproduce, display, modify, and distribute your content across any media or format in connection with the Services.
SuperMoney reserves the right (but has no obligation) to monitor, remove, or moderate content at its sole discretion.
You are solely responsible for your submitted content and agree not to post anything false, misleading, infringing, unlawful, or harmful to others.

E. Beta Services and Testing Programs

From time to time, SuperMoney may offer access to new features or pilot programs (“Beta Services”).

Beta Services are provided “as is” and may contain bugs or errors. Your participation is voluntary.
SuperMoney may collect usage data or feedback to improve the platform. By using Beta Services, you grant SuperMoney a license to use any feedback you provide for product development and marketing purposes.
Certain Beta Services may not be reversible and may result in loss of access to prior data or functionality.

F. Business Tools: SuperMoney Ads, Monetize & Partner Portals

If you use SuperMoney’s B2B services — including SuperMoney Ads, Monetize, or any partner dashboard:

You represent that you are authorized to act on behalf of a business entity and that your use is for lawful commercial purposes.
You agree to comply with all applicable advertising, marketing, and privacy laws, including the CAN-SPAM Act, TCPA, GLBA, and state-specific regulations.
SuperMoney may offer or require supplemental service agreements, campaign terms, or advertiser onboarding documentation. Those additional agreements are incorporated by reference and govern your use of the related services.

If you are using the Services to access business marketing or monetization tools, you are solely responsible for complying with applicable marketing and data privacy laws (including, but not limited to, CAN-SPAM, TCPA, FCRA, and state-specific disclosure requirements).

8. Third-Party Services

Third-Party Products, Services, and Content

Certain Services offered by SuperMoney may include, refer to, or link to content, tools, websites, services, offers, and financial products provided by third parties (each, a “Third-Party Service” and each provider, a “Third-Party Provider”). These may include financial institutions, credit bureaus, account aggregators, marketing partners, and service vendors.

You acknowledge and agree that:

SuperMoney does not control, endorse, or guarantee any Third-Party Service or Third-Party Provider;
All interactions you have with Third-Party Providers, including your use of their products, services, websites, and platforms, are solely between you and that provider and governed by their terms of service and privacy policies;
SuperMoney is not liable for any content, conduct, failures, acts or omissions of Third-Party Providers or for any damages or losses arising from your use of or reliance on any Third-Party Service.

You are solely responsible for reviewing and understanding the applicable terms, conditions, and privacy policies of any Third-Party Service before using it.

Partner Terms

In some cases, SuperMoney’s partners may require that users agree to additional terms specific to certain products or services (“Partner Terms”). In the event of a conflict between these Terms and any Partner Terms, these Terms will control unless expressly stated otherwise.

Account Linking & Third-Party Data Access

Certain features may allow you to link external financial accounts or pre-fill application fields using data from third-party providers (e.g., Akoya, MX Technologies, Plaid, Finicity).

By using these features, you authorize SuperMoney and its authorized vendors to access, retrieve, and display account data on your behalf.
You acknowledge that SuperMoney does not validate the accuracy of third-party data and is not responsible for errors in information returned by integrated services.
You may revoke this access at any time by disconnecting your account or contacting support.

Information Sharing with Third Parties

Certain Services require that we collect and share information about you with Third-Party Providers. By using these Services, you authorize SuperMoney to:

Collect and transmit your personal and financial information, including sensitive data (e.g., account numbers, credit card details, income data), to relevant Third-Party Providers as necessary to deliver the Service;
Work with third-party service providers (e.g., account aggregators) who assist in retrieving and processing data on your behalf;
Maintain and store such data in accordance with our Privacy Policy.

You understand that any information you provide or authorize us to share with a Third-Party Provider is done at your sole discretion and risk. SuperMoney does not monitor or control how Third-Party Providers handle your data and disclaims responsibility for any misuse, breach, or disclosure that occurs outside of our control.

Account Integrations and Data Accuracy

Some Services may allow you to connect or link your financial accounts (e.g., checking accounts, credit cards, or loans) using third-party tools. If you choose to enable these features:

You authorize SuperMoney and its integration partners to access and display your account data from third-party financial institutions;
You acknowledge that data obtained from third-party sources may be delayed, incomplete, or inaccurate and is provided on an “as-is” basis for informational purposes only;
You are solely responsible for ensuring the accuracy of your login credentials and maintaining updated information in your linked accounts.

SuperMoney is not responsible for any failures, delays, or losses that result from your use of these third-party integrations.

No Endorsement

SuperMoney may display advertisements, offers, sponsored content, or product recommendations that are provided by or associated with Third-Party Providers. Compensation from such providers may influence the placement or presentation of these offers. However:

SuperMoney does not warrant that any offer or rate displayed is the best available;
We do not recommend or endorse any Third-Party Provider, product, or service;
SuperMoney is not a broker, agent, or representative of any Third-Party Provider unless explicitly disclosed.

All product information and offers are presented for general informational purposes and are subject to change without notice.

App Store Terms

If you download or access any SuperMoney mobile applications through the Apple App Store (see terms), Google Play Store (see terms), or any other third-party platform (collectively, the “App Stores”), you acknowledge that your use of such apps may also be governed by the terms and conditions of the applicable App Store. You agree to comply with those terms in addition to these Terms of Service. SuperMoney is solely responsible for its mobile applications and related content, and any questions or complaints regarding the app should be directed to us, not the App Store provider.

9. Modifications of the Services

We reserve the right to modify, suspend, or discontinue, temporarily or permanently, any part of the Services, in whole or in part, at any time and for any reason, in our sole discretion. This includes but is not limited to:

Adding, removing, or changing features, tools, or content;
Modifying eligibility criteria or availability of certain Services;
Suspending or terminating access to all or parts of the platform, for some or all users;
Adjusting commercial terms, including applicable fees, where relevant.

We may provide notice of material changes to the Services, including through updates on our website or in-app notifications, but are not required to do so for all changes. If you do not agree to any change, your sole remedy is to stop using the affected Services.

SuperMoney will not be liable to you or any third party for any modification, suspension, or discontinuation of the Services, or any part thereof, regardless of whether notice is provided.

10. Prohibited Conduct

You agree to use the Services only for lawful purposes and in a manner consistent with these Terms. You may not use the Services to:

1. Violate the Law or Third-Party Rights

Violate any applicable law, regulation, or third-party rights, including intellectual property, privacy, publicity, or contract rights;
Provide false, inaccurate, or misleading information to SuperMoney, its Providers, or other users;
Use or obtain consumer report data under false pretenses or in violation of the Fair Credit Reporting Act (FCRA) or other applicable laws.

2. Engage in Fraud or Abuse

Impersonate any person or entity, misrepresent your affiliation with a person or entity, or falsify identity or account information;
Access accounts or data not intended for you or that you do not have permission to access;
Submit false applications or product information;
Engage in unauthorized scraping, harvesting, or monitoring of the Services or user data.
Engage in keyword spamming or use metadata, tags, or repetitive phrases in a manner intended to manipulate search results within or outside the platform.
Send bulk or unsolicited commercial communications (e.g., mass email, surveys, or automated outreach) through the Services or to other users.

3. Compromise Security or Operations

Upload, distribute, or introduce any viruses, malware, or malicious code;
Interfere with or circumvent any security features or restrictions of the Services;
Probe, scan, or test the vulnerability of the platform or attempt to breach authentication measures;
Use the Services to engage in denial-of-service attacks or to overload, flood, spam, or crash our infrastructure.
Remove, disable, or bypass any security features or usage limitations built into the platform (e.g., rate-limiting, copy restrictions, authentication checks).

4. Automate or Reverse Engineer the Platform

Use robots, spiders, scripts, or any automated systems to access or copy the Services without express written consent;
Reverse engineer, decompile, or disassemble any part of the Services except as explicitly permitted by law.

5. Commercial Misuse or Platform Manipulation

Use the Services to promote, advertise, or solicit without prior written consent;
Sell, rent, sublicense, or otherwise exploit the Services for commercial purposes outside permitted use;
Engage in mystery shopping, data extraction, or benchmarking for competitive purposes.

6. Post Harmful or Offensive Content

Post or share content that is unlawful, libelous, defamatory, obscene, harassing, hateful, threatening, violent, discriminatory, or otherwise objectionable;
Encourage or enable others to engage in any of the above conduct.
Solicit personal information from minors or engage in any conduct that targets underage individuals for commercial, harmful, or unlawful purposes.

7. Interfere with Others’ Use

Interfere with the normal operation or any user’s enjoyment of the Services;
Attempt to gain unauthorized access to other users’ accounts, personal data, or SuperMoney systems.

SuperMoney reserves the right to investigate and take appropriate legal action in response to violations of these terms, including termination of your account and referral to law enforcement.

We are not obligated to enforce these rules against any particular user. If you believe another user has violated these Terms, you are encouraged to notify us, but we reserve the sole right to investigate and take action, or not.

Even where certain conduct may be legally permissible, you agree not to engage in any of the above-listed actions without providing SuperMoney at least thirty (30) days’ prior written notice of your intent to do so. This allows us the opportunity to assess the impact and, at our discretion, propose an alternative or modification.

11. Consent to Telephone and Text Communications (TCPA Notice)

By using the Services or submitting your contact information, you consent to receive phone calls, text messages, emails, and other communications as described in our TCPA Consent Policy. This includes communications from SuperMoney and its Providers and may involve the use of an autodialer, prerecorded voice, or similar technology as permitted by law.

To understand your rights, responsibilities, and opt-out procedures under the Telephone Consumer Protection Act (TCPA), please review the full TCPA Consent Policy, which is incorporated into these Terms by reference.

12. Electronic Notices and Communications

By using the Services, you consent to receive routine notices and communications from SuperMoney and our Providers electronically. These communications may include product announcements, service notifications, account updates, promotional offers, or administrative alerts, and may be delivered via:

Email to the address associated with your account;
Posting on our website or within the Services;
Push notifications or in-app alerts.

While these communications do not require your E-SIGN consent, they may have legal significance. You agree to maintain accurate contact information and acknowledge that failing to do so may impact your ability to receive important notices.

13. Consent to Electronic Signatures and Disclosures (E-SIGN Consent)

By using the Services, you agree to conduct business electronically with SuperMoney and its Providers, including receipt of legally required disclosures and use of electronic signatures.

The scope, duration, technology requirements, and your rights under the Electronic Signatures in Global and National Commerce Act (E-SIGN Act) are described in our E-Consent Policy. This policy is incorporated into these Terms by reference and governs all electronic transactions and notices facilitated through the Services.

14. Intellectual Property and User Content

A. Ownership and Use of Content

All content made available on the SuperMoney Services, including but not limited to text, graphics, images, logos, icons, software, audio clips, video, data compilations, and the overall look and feel (“Site Content”) is the property of SuperMoney, its licensors, or other providers of such material and is protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws. All trademarks and service marks on the Services belong to SuperMoney or are used with permission and remain the property of their respective owners.

You may not copy, reproduce, republish, upload, post, transmit, modify, or distribute in any way any Site Content without our prior written permission, except that you may use Site Content for your personal, non-commercial use provided you retain all copyright and proprietary notices.

B. User-Generated Content (“User Content”)

Users may submit or post content including reviews, feedback, questions, comments, ratings, or other materials to the Services. You retain ownership of your User Content, but by submitting it, you grant SuperMoney and its affiliates a non-exclusive, royalty-free, worldwide, transferable, sublicensable, perpetual, and irrevocable license to use, reproduce, adapt, modify, distribute, display, publish, store, analyze, and create derivative works from your User Content in connection with operating, improving, marketing, and developing the Services.

You also grant us the right to use your name, likeness, and other identifying information, if provided, in connection with your User Content. You waive any claims and assertions of moral rights or attribution associated with your User Content to the fullest extent permitted by law.

User Content is considered non-confidential and non-proprietary, and SuperMoney is under no obligation to maintain its confidentiality or to compensate you for its use.

SuperMoney is not obligated to retain, store, or provide copies of User Content, and we do not guarantee its continued availability or confidentiality.

SuperMoney may use automated tools or human moderators to review, analyze, restrict, or remove User Content that violates these Terms or applicable laws.

User Content may be reviewed, moderated, edited, or removed by SuperMoney at its sole discretion, without notice.

SuperMoney and its partners may publicly display advertisements or sponsored content adjacent to, or included with, User Content. You are not entitled to any compensation for such use, and the manner, mode, and extent of such placement are subject to change at SuperMoney’s discretion.

C. Representations and Restrictions

You represent and warrant that:

You own or control all rights in your User Content;
Your User Content does not violate any applicable laws or infringe on any third party’s rights;
Your User Content is accurate, truthful, and not misleading;
You will not post User Content that is offensive, defamatory, harassing, threatening, pornographic, obscene, fraudulent, or otherwise objectionable.
You are solely responsible for your User Content. Once published, it may not be fully withdrawn. You assume all risk associated with Your Content, including public reliance on its accuracy, and any liability if it is false, misleading, defamatory, infringing, or otherwise unlawful. Your User Content must not imply that it is endorsed by SuperMoney unless explicitly authorized in writing.

You further agree not to:

Post personal or sensitive information about others without their consent;
Submit unauthorized commercial content or spam;
Upload viruses, malware, or other harmful code;
Engage in any conduct that restricts or inhibits any other user from using or enjoying the Services;
Use the Services for any illegal or unauthorized purpose.

SuperMoney reserves the right, but not the obligation, to review, monitor, remove, or edit User Content for any reason at its sole discretion, without notice or liability. We may also share your User Content or personal information with law enforcement or third parties if required by law or if necessary to protect our rights or the rights of others.

D. Feedback

If you choose to submit ideas, suggestions, or feedback to SuperMoney regarding improvements to our Services or offerings (“Feedback”), you agree that we may use, disclose, and exploit such Feedback for any purpose, without restriction or compensation to you. You grant SuperMoney a non-exclusive, perpetual, irrevocable, royalty-free, worldwide, sublicensable license to use the Feedback in any manner. You waive any claims to rights in such Feedback.

E. Copyright Infringement (DMCA Notice)

If you believe your copyright has been infringed, you may submit a written notice to:

SuperMoney LLC
Attn: Legal Department
1551 N Tustin Ave, Suite 760
Santa Ana, CA 92705
Email: legal@supermoney.com

To be effective, your notice must include:

A physical or electronic signature of a person authorized to act on behalf of the copyright owner;
A description of the copyrighted work you claim has been infringed;
A description of where the alleged infringing material is located on our Services;
Your address, telephone number, and email address;
A statement that you have a good faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law;
A statement that the information in your notice is accurate, and under penalty of perjury, that you are the copyright owner or authorized to act on their behalf.

SuperMoney may terminate users who are repeat infringers in appropriate circumstances.

F. Restrictions on AI and Data Use

You may not use Site Content, User Content, or any part of the Services:

To train, develop, or improve any machine learning or artificial intelligence models, software, or services, without our prior written permission;
For data scraping, data mining, or competitive analysis;
In any way that misrepresents, decontextualizes, or manipulates the information.
Construct, populate, or enrich any external review, product comparison, or business directory database using information from SuperMoney’s user-generated content or platform data, whether by manual or automated means.

SuperMoney may use de-identified or aggregated User Content and interaction data to maintain, improve, or audit its Services in accordance with its Privacy Policy.

15. Termination

A. Termination by You

You may terminate your account and discontinue use of the Services at any time by contacting SuperMoney Customer Support at support@supermoney.com. Account termination will not affect rights or obligations arising prior to the effective date of termination.

B. Termination or Suspension by SuperMoney

SuperMoney may suspend, restrict, or terminate your access to all or part of the Services (including your account), in its sole discretion, at any time and for any reason, with or without notice. This includes, but is not limited to, if you:

Violate these Terms or any applicable law;
Engage in any fraudulent, abusive, or harmful behavior;
Infringe on the rights of SuperMoney or any third party; or
Act in a manner inconsistent with the spirit of these Terms or the integrity of the Services.

SuperMoney also reserves the right to take appropriate legal action, including referral to law enforcement.

C. Effect of Termination

Upon termination:

All rights granted to you under these Terms will immediately cease;
You must stop all use of the Services;
SuperMoney may retain copies of your User Content, feedback, and interaction history as required or permitted by law, regulatory obligations, or our Privacy Policy;
Information and content you previously provided may no longer be accessible through your account, but may persist in backup copies or third-party systems as permitted by applicable law.

D. Survival

The following sections will survive any termination of these Terms: Ownership and Use of Content, User-Generated Content, Feedback, Indemnification, Disclaimers, Limitation of Liability, Dispute Resolution, and all other provisions which by their nature are intended to survive termination.

16. Disclaimers and Limitation of Liability

A. No Warranties

The SuperMoney website, applications, tools, and services (collectively, the “Services”) are provided to you strictly on an “as is” and “as available” basis. To the maximum extent permitted by applicable law, SuperMoney, its affiliates, licensors, third-party providers, and business partners disclaim all warranties and conditions of any kind, whether express, implied, statutory, or otherwise, including but not limited to:

Implied warranties of merchantability, fitness for a particular purpose, quiet enjoyment, title, or non-infringement;
Any warranties arising from course of dealing, usage, or trade;
Any representations about the accuracy, reliability, completeness, or timeliness of any content, recommendations, tools, search results, or data made available via the Services.

SuperMoney does not guarantee that:

The Services will meet your requirements or expectations;
The Services will be uninterrupted, secure, or free of errors, defects, viruses, or harmful components;
Any content or information accessed through the Services is accurate, complete, current, or suitable for any particular purpose;
Any issues will be corrected.

Some content may be generated using automated technologies, including generative artificial intelligence. These tools are provided solely for informational purposes and may contain errors, outdated assumptions, or inaccuracies. Use of AI tools does not constitute legal, financial, tax, or other professional advice, and SuperMoney disclaims any responsibility for decisions made in reliance on AI-generated content.

SuperMoney does not endorse, verify, or guarantee the accuracy or reliability of any user-generated content made available through the Services. You acknowledge that such content may be incomplete, inaccurate, misleading, or offensive, and you access it at your own risk.

B. Informational Purposes Only

All information made available via the Services, including rates, prequalification tools, AI-generated outputs, product listings, credit insights, educational materials, and recommendations, is provided for general informational purposes only. SuperMoney is not a financial institution, credit provider, legal advisor, investment firm, insurance company, or tax advisor.

Nothing presented through the Services constitutes professional, financial, legal, credit, or tax advice, nor should any such content be relied upon as a substitute for consultation with qualified professionals who understand your specific circumstances. You alone are responsible for evaluating third-party products or services identified through the platform and for all decisions you make in reliance on any content.

C. Third-Party Services

SuperMoney does not endorse, guarantee, or make any warranties regarding any third-party providers, their products or services, their content, or their business practices. All transactions, quotes, offers, terms, and approvals are determined solely by third-party providers. SuperMoney is not a party to and does not oversee or validate any transaction you may initiate with a third party through the Services.

You acknowledge that:

SuperMoney is not responsible for errors in rates, terms, or disclosures provided by third parties;
SuperMoney does not control, monitor, or verify third-party websites, applications, or offers;
SuperMoney’s terms and privacy policies do not apply to your interactions with third-party providers.

D. Assumption of Risk

You assume full responsibility and all risk associated with your use of the Services. This includes but is not limited to:

Any loss of data, system damage, or harm to your device resulting from use of the Services;
Reliance on any content or data obtained through the Services;
Inaccuracies or omissions in content, whether provided by SuperMoney, its partners, users, or third parties.

E. Limitation of Liability

To the fullest extent permitted by applicable law, SuperMoney and its affiliates, directors, officers, employees, agents, contractors, licensors, and service providers will not be liable to you for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, revenues, data, goodwill, or other intangible losses, even if SuperMoney has been advised of the possibility of such damages, arising out of or related to:

Your access to or use of (or inability to access or use) the Services;
Any conduct or content of any third party on the Services;
Unauthorized access to, use of, or alteration of your data;
Any content or information provided through the Services;
Any reliance placed by you on content obtained via the Services.

Unless otherwise set forth in a separate written agreement between you and SuperMoney, SuperMoney’s total cumulative liability to you for all claims arising out of or relating to the Services shall not exceed the greater of: (a) the total amount you paid to SuperMoney for use of the Services in the twelve (12) months preceding the event giving rise to the claim, or (b) one hundred dollars ($100).

Some jurisdictions do not allow the exclusion or limitation of certain warranties or liabilities. In such cases, the disclaimers and limitations herein apply to the maximum extent permitted by law.

F. Survival

The disclaimers of warranties, limitations of liability, and all other provisions of this Section shall survive any expiration or termination of your use of the Services or your account.

17. Indemnity

To the fullest extent permitted by law, you agree to defend, indemnify, and hold harmless SuperMoney, its affiliates, subsidiaries, and their respective officers, directors, employees, contractors, agents, licensors, and service providers from and against any and all claims, liabilities, damages, losses, judgments, costs, and expenses (including reasonable attorneys’ fees and accounting costs) arising out of or related to:

(i) your use of, or access to, the Services, including any content submitted through your account;

(ii) your breach or alleged breach of these Terms or any applicable law or regulation;

(iii) your violation of any third-party right, including without limitation any intellectual property, privacy, publicity, or proprietary right;

(iv) any dispute or issue between you and a third party, including financial service providers or other users; or

(v) any unauthorized access to or use of your account, credentials, or any Services secured under your login.

SuperMoney reserves the right, at its own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, and you agree to cooperate fully in such defense. You may not settle any claim without SuperMoney’s prior written consent unless the settlement fully releases SuperMoney of all liability without any admission of fault or obligation.

18. Dispute Resolution by Binding Arbitration – No Class Actions

Agreement to Arbitrate

In the interest of resolving disputes between you and SuperMoney in the most expedient and cost-effective manner, you and SuperMoney agree that any dispute arising out of or related to these Terms or your use of the Services will be resolved through binding arbitration or small claims court rather than in courts of general jurisdiction. This Agreement to Arbitrate is intended to be broadly interpreted and includes, but is not limited to:

Disputes based on contract, tort, statute, fraud, or any other legal theory;
Disputes that arose before this or any prior version of the Terms;
Disputes currently the subject of class litigation where you are not a certified class member; and
Disputes that may arise after termination of these Terms.

Exceptions

Notwithstanding the foregoing, you and SuperMoney agree that nothing in this Section shall waive or limit either party’s right to:

Bring an individual action in small claims court;
Pursue enforcement actions through a federal, state, or local agency;
Seek injunctive or other equitable relief in a court of competent jurisdiction; or
Bring claims related to intellectual property infringement in a court of law.

Governing Rules and Arbitrator

Any arbitration between you and SuperMoney shall be administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules, as modified by these Terms. The AAA Rules and filing instructions are available at www.adr.org.

Notice and Process

Before commencing arbitration, the initiating party must send a written Notice of Dispute by certified mail (return receipt requested) to:

SuperMoney, LLC
1551 N Tustin Ave, Suite 760
Santa Ana, CA 92705
Attn: Legal Department

With a copy to: CT Corporation System, 330 N Brand Blvd, Glendale, CA 91203

The Notice must include (a) a description of the dispute and relevant facts, and (b) the specific relief requested. If we cannot resolve the dispute within 30 days of receipt of the Notice, either party may initiate arbitration. If you initiate arbitration, you must also email a copy of your demand to legal@supermoney.com. If you are a SuperMoney account holder, you must include the primary email address associated with your account.

Arbitration Fees

SuperMoney will, upon request, reimburse your arbitration filing fee unless your claim exceeds $10,000. If AAA declines to administer the arbitration without prepayment and you cannot obtain a fee waiver, SuperMoney will cover those fees directly to the AAA. Additionally, if the arbitrator determines that the arbitration would be cost-prohibitive, SuperMoney will pay all necessary filing, hearing, and arbitrator fees to allow the matter to proceed. If the arbitrator finds your claim frivolous or brought for an improper purpose under Federal Rule of Civil Procedure 11(b), you agree to reimburse SuperMoney for fees we paid on your behalf. The arbitrator may make rulings and resolve disputes as to the payment and reimbursement of fees or expenses at any time during the proceeding and upon request from either party made within 14 days of the arbitrator’s ruling on the merits.

Hearing Format

If your claim is for $10,000 or less, you may choose whether the arbitration proceeds by:

Documents only;
Telephone hearing; or
In-person hearing (location determined by AAA or arbitrator).

No Class Actions

You and SuperMoney agree that each may bring claims only in your individual capacity, not as a class member or representative. Unless both you and SuperMoney agree otherwise, the arbitrator may not consolidate multiple claims or preside over any form of class, collective, or representative proceeding.

Batch Arbitration

To promote efficient resolution, if 25 or more similar demands are submitted within 90 days by or with coordination from the same law firm(s) or organization(s), the parties agree:

Arbitration will proceed in batches of up to 10 claims (plus a final batch of any remaining claims).
One arbitrator will be assigned per batch, unless objected to per AAA Rules.
Each batch will follow a single calendar and hearing (if needed), and result in a single award addressing all claims in that batch.
Filing and administrative fees for each demand are not due until the demand is batched and formally filed.
The parties will work in good faith to resolve each batch within 180 days. If unsuccessful, either party may exit arbitration and proceed in court.

This process does not authorize class or mass arbitration beyond the express batch procedure.

Opt-Out

If you are a new SuperMoney user, you may opt out of this arbitration agreement by mailing a written Opt-Out Notice to the Notice Address above, postmarked within 30 days of accepting these Terms. Your notice must include your name, mailing address, email(s) linked to your account, and your signature. Opting out will not affect any other provisions of these Terms. Opting out of this Agreement to Arbitrate has no effect on any previous, other, or future arbitration agreements that you may have with SuperMoney.

Modifications

If SuperMoney changes this arbitration section (other than the Notice Address), you may reject the changes by sending us written notice within 30 days. If you reject, your SuperMoney account will be terminated immediately, and the prior arbitration terms will apply.

Severability

If any part of this section is found unenforceable, the remaining provisions shall remain in force. If the class waiver is unenforceable, the entire arbitration section shall be void, and disputes will proceed in accordance with the jurisdiction and venue specified in Section 19.

19. Governing Law and Jurisdiction

These Terms are governed by the laws of the State of California and the Federal Arbitration Act (“FAA”), without regard to any conflict of law principles. Subject to the Dispute Resolution section, which provides that most disputes are to be resolved through binding arbitration or small claims court, you and SuperMoney agree that any claim or dispute not subject to arbitration must be brought exclusively in the state or federal courts located in Orange County, California. You and SuperMoney consent to the personal and exclusive jurisdiction of these courts for such purposes and waive any objections to venue or jurisdiction.

You acknowledge and agree that by entering into these Terms, you and SuperMoney are each waiving the right to a jury trial for any dispute that is not arbitrated.

To the fullest extent permitted by applicable law, any cause of action or claim you may have arising out of or relating to these Terms or the Services must be commenced within one (1) year after the cause of action accrues; otherwise, such cause of action or claim is permanently barred.

The Services are controlled and operated from the United States and are intended for use only by individuals located within the United States. We make no representation that the Services are appropriate or available for use in other jurisdictions, and access to the Services from territories where their contents are illegal is prohibited.

20. General

Entire Agreement. These Terms, including our Privacy Policy and any Additional Terms incorporated herein by reference, constitute the entire and exclusive agreement between you and SuperMoney regarding your use of the Services. They supersede all prior or contemporaneous agreements, communications, or understandings, whether oral or written, relating to the subject matter herein. No amendment or modification of these Terms will be binding unless in writing and signed by an authorized representative of SuperMoney.

No Waiver. The failure by SuperMoney to enforce any right or provision of these Terms will not be deemed a waiver of such right or provision or of any other rights or remedies under these Terms. Any waiver must be expressly made in writing.

Severability. If any provision of these Terms is held to be invalid, illegal, or unenforceable by a court or arbitrator of competent jurisdiction, that provision shall be enforced to the maximum extent permissible and the remaining provisions will remain in full force and effect.

Assignment. You may not assign, delegate, or transfer your rights or obligations under these Terms without prior written consent from SuperMoney. Any attempt to do so will be null and void. SuperMoney may assign or transfer its rights or obligations under these Terms without restriction or notice.

Relationship of the Parties. These Terms do not create any partnership, joint venture, franchise, employment, or agency relationship between you and SuperMoney. You agree that you are acting solely on your own behalf and for your own benefit, and not on behalf of SuperMoney.

Headings. The section titles and headings in these Terms are for convenience only and have no legal or contractual effect.

Monitoring and Legal Compliance. We may monitor the use of our Services and may access, preserve, or disclose your information if required to do so by law or if we believe it is necessary to: (a) comply with legal obligations or law enforcement; (b) enforce our Terms or investigate potential violations; (c) prevent fraud, security issues, or technical problems; or (d) protect the rights, property, or safety of SuperMoney, its users, or the public.

Notice for California Residents. Under California Civil Code Section 1789.3, California users of the Services are entitled to the following specific consumer rights notice: The Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs may be contacted in writing at 1625 N. Market Blvd., Suite S-202, Sacramento, CA 95834, or by telephone at (800) 952-5210.

Contact. If you have any questions about these Terms, please contact us at: SuperMoney LLC 1551 N Tustin Ave, Suite 760 Santa Ana, CA 92705 Email: legal@supermoney.com

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