Terms of Service

1. Who May Use the Service

• You must be at least 18 years old (or the age of majority where you live) to create an account or purchase a subscription. If you are under 18, you may only use the Service with the involvement and consent of a parent or legal guardian who accepts these Terms on your behalf.
• You represent that you are able to form a binding contract and are not barred from using the Service under any applicable laws.

2. Changes to These Terms or the Service

• We may modify these Terms at any time in our sole discretion. We will post the updated Terms with a new "Last Updated" date. Your continued use of the Service after the posting of changes constitutes your acceptance of the changes.
• We may change, suspend, or discontinue any part of the Service at any time, with or without notice, and without liability.

3. Accounts; Security; Member Access

• Certain features require an account (e.g., via Memberstack or another identity provider). You must provide accurate information and keep it updated.
• You are responsible for safeguarding your login credentials and for all activity under your account. Notify us immediately at info@offervara.com of any unauthorized use or security breach.
• We may suspend or terminate your access at any time, including for suspected or actual violations of these Terms, fraud, chargebacks, or abuse.

4. Subscriptions, Trials, Payments, and Taxes

• Access to certain content or features may require a paid plan (the "Subscription"). Plan details and pricing are shown at checkout or in your account settings. All fees are payable in advance and are non‑refundable except where required by law or expressly stated by us.
• Trials & Promotions. We may offer free or discounted trials or promotional rates. After a trial ends, your Subscription may auto‑renew at the then‑current rate unless you cancel before renewal.
• Auto‑Renewal. Subscriptions automatically renew at the end of each term unless canceled in your account or by contacting support before the renewal date. You authorize us (and our payment processors) to charge your payment method for each renewal term.
• Price Changes. We may change prices on renewal with prior notice. Continued use after the effective date constitutes acceptance.
• Taxes. Fees are exclusive of taxes (e.g., sales, VAT, GST). You are responsible for any applicable taxes, duties, or similar charges.
• Chargebacks. Filing a chargeback without first contacting support may result in immediate suspension or termination of access.

5. Content; License; Ownership

• The Service, including all text, data, graphics, logos, images, videos, software, and other materials (collectively, "Company Content") is owned by or licensed to the Company and is protected by intellectual property laws.
• Limited License to You. Subject to these Terms and your payment of applicable fees, we grant you a limited, revocable, non‑exclusive, non‑transferable, non‑sublicensable license to access and use the Service and Company Content for your personal, non‑commercial use.
• Restrictions. You may not: (i) copy, reproduce, modify, adapt, translate, create derivative works, publicly display, or distribute Company Content except as expressly permitted; (ii) resell, rent, or provide access to the Service to any third party; (iii) scrape, crawl, or use any automated means to access or extract data from the Service (except as permitted by a written API agreement); (iv) remove proprietary notices; (v) circumvent access controls, paywalls, or security measures; or (vi) use the Service for any competitive analysis or to build a competing product.

6. Bank‑Offer Information; Informational‑Only; No Advice

• The Service may provide information related to bank promotions, account bonuses, deposit triggers, timelines, or similar topics. This content is strictly informational and provided for general educational purposes only.
• No Financial, Legal, or Tax Advice. We are not a bank, broker, tax advisor, or law firm. Nothing on the Service constitutes financial, legal, accounting, or tax advice. You should consult your own qualified advisor(s).
• No Encouragement of Fraud or Violations. We do not encourage, condone, or instruct users to commit fraud, to misrepresent information, or to violate any bank, card issuer, or financial institution terms and conditions. Users are solely responsible for reading and complying with all applicable third‑party terms.
• No Guarantees. We do not guarantee eligibility, approval, payout of any bonus, or the accuracy or completeness of any third‑party offer. Financial institutions frequently change terms, eligibility rules, payout timelines, and ACH/direct‑deposit recognition criteria without notice.
• Tax Reporting. Bonuses or rewards may be taxable (e.g., 1099‑INT/1099‑MISC). You are solely responsible for tax reporting and compliance.

7. Prohibited Conduct (Examples)

You agree not to use the Service to:

1. Engage in, promote, or facilitate fraud, identity theft, synthetic identity, money laundering, or other illegal activity.
2. Misrepresent the nature of a payment (e.g., falsely designating transfers as "payroll" or "government benefits") to manipulate eligibility for a bonus or to deceive a financial institution.
3. Violate any financial institution's terms, including rules related to account opening/closing, manufactured spend, or bonus‑chasing behaviors that the institution prohibits.
4. Infringe or misappropriate anyone's intellectual property, privacy, or publicity rights.
5. Interfere with or disrupt the Service, including by introducing malware, conducting DDoS attacks, or bypassing rate limits.
6. Share, sell, or otherwise transfer your account, use another person's account, or allow others to access gated content using your credentials.
7. Harvest, scrape, or collect personal data from the Service without our prior written consent.

8. User Content; Feedback; License to Us

• If you submit or upload content (e.g., comments, tips, testimonials, suggestions, or data) ("User Content"), you grant us a worldwide, perpetual, irrevocable, royalty‑free, fully paid, transferable and sublicensable license to use, host, store, reproduce, modify, create derivative works, publish, publicly display, and distribute such User Content for any lawful purpose, with or without attribution.
• You represent that you own or control all rights in your User Content and that it does not violate any law or third‑party rights.
• We may moderate, remove, or disable access to User Content for any reason, but we do not assume an obligation to do so.

9. Third‑Party Links; Affiliates; No Endorsement

• The Service may reference or link to third‑party websites, offers, products, or services (collectively, "Third‑Party Services"). We do not control and are not responsible for Third‑Party Services.
• We may receive compensation (e.g., affiliate commissions or referral fees) when you click links or sign up through certain offers. We do not represent or warrant that any offer is the best available.
• No affiliation or endorsement. Unless expressly stated, we are not affiliated with, endorsed by, or sponsored by any financial institution.

10. Privacy; Communications

• Our collection and use of personal information are described in our Privacy Policy. By using the Service, you consent to those practices.
• You agree that we may send you transactional communications and, where permitted, promotional communications. You can opt out of promotional emails as described in our emails or Privacy Policy.

11. Beta Features; Tools; Calculators

• We may offer experimental or beta features, tools, or calculators. Their accuracy is not guaranteed and they may be modified or discontinued at any time.

12. Disclaimer of Warranties

YOUR USE OF THE SERVICE AND COMPANY CONTENT IS AT YOUR SOLE RISK. THE SERVICE (INCLUDING ALL CONTENT) IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING BUT NOT LIMITED TO WARRANTIES OF ACCURACY, COMPLETENESS, NON‑INFRINGEMENT, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR QUIET ENJOYMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, SECURE, OR ERROR‑FREE, OR THAT DEFECTS WILL BE CORRECTED.

13. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT WILL THE COMPANY OR ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, SUPPLIERS, OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOSS OF PROFITS, REVENUE, GOODWILL, DATA, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR RELATED TO YOUR USE OF OR INABILITY TO USE THE SERVICE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR TOTAL LIABILITY FOR ALL CLAIMS RELATING TO THE SERVICE WILL NOT EXCEED THE AMOUNTS YOU PAID US (IF ANY) IN THE 12 MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM OR $100, WHICHEVER IS GREATER.

Some jurisdictions do not allow certain limitations; if so, those limitations apply to the fullest extent permitted.

14. Indemnification

You agree to defend, indemnify, and hold harmless the Company and its officers, directors, employees, and agents 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 User Content; (c) your violation of these Terms; or (d) your violation of any law or third‑party rights (including a financial institution's terms).

15. Termination

We may suspend or terminate your access to the Service at any time, with or without cause or notice, including for any actual or suspected violation of these Terms or for non‑payment. Upon termination, your right to use the Service will cease immediately, and the following sections will survive: 5–6 and 8–22.

16. Governing Law; Dispute Resolution; Arbitration; Class Waiver

• Governing Law. These Terms are governed by the laws of the State of Colorado, without regard to its conflict‑of‑laws principles.
• Informal Resolution. Before filing a claim, you agree to try to resolve the dispute informally by emailing info@offervara.com with a description of your claim. If we cannot resolve it within 30 days, either party may proceed to arbitration as set forth below.
• Binding Arbitration. Any dispute, claim, or controversy arising out of or relating to these Terms or the Service will be resolved by binding arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules. The seat and venue of arbitration will be Denver, Colorado. The arbitration will be conducted by a single arbitrator.
• Class Action Waiver. YOU AND THE COMPANY WAIVE ANY RIGHT TO BRING CLAIMS AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE ACTION. ARBITRATION SHALL PROCEED ONLY ON AN INDIVIDUAL BASIS.
• Injunctive Relief. Notwithstanding the foregoing, either party may seek temporary or injunctive relief in a court of competent jurisdiction to protect its rights pending arbitration.
• Opt‑Out. You may opt out of arbitration within 30 days of first accepting these Terms by sending a written notice to info@offervara.com with the subject line "Arbitration Opt‑Out."

17. Compliance; Export; Sanctions

You agree to comply with all applicable laws, including U.S. export control and sanctions laws, and you represent that you are not located in or a resident of any jurisdiction where use of the Service is prohibited by law.

18. Notice and Takedown; DMCA

If you believe material on the Service infringes your copyright, please send a notice to our Copyright Agent at info@offervara.com with the information required by 17 U.S.C. § 512(c)(3). We may disable or remove content at our discretion and may terminate repeat infringers.

19. Electronic Communications; Notices

You consent to receive communications from us electronically. We may provide notices by posting on the Service or by email to the address associated with your account.

Notices to Company. Formal notices to us must be sent by email to info@offervara.com with the subject line "Legal Notice". Notices are deemed received when we acknowledge receipt by reply email. Postal notices are not accepted unless we expressly provide a mailing address in the future.

20. Assignment

You may not assign or transfer these Terms, by operation of law or otherwise, without our prior written consent. We may assign these Terms at any time without notice or consent.

21. Force Majeure

We are not liable for any delay or failure to perform due to events beyond our reasonable control, including acts of God, labor disputes, internet outages, power failures, or changes in laws or policies of financial institutions.

22. Miscellaneous

• Entire Agreement. These Terms, together with the Privacy Policy and any plan‑specific terms, constitute the entire agreement between you and us regarding the Service.
• Severability. If any provision is found unenforceable, the remaining provisions will remain in full force and effect.
• No Waiver. Our failure to enforce any right or provision is not a waiver.
• Headings. Headings are for convenience only and do not affect interpretation.

23. Contact

Questions about these Terms? Contact us at info@offervara.com.

Appendix A — Community & Security Guidelines (Incorporated by Reference)

1. Security Research. Do not probe, scan, or test the vulnerability of any system without express written authorization. Do not share exploits or bypasses.
2. Rate Limits & Automation. Do not automate access, scraping, or bulk download without our written approval. Respect any documented rate limits.
3. Responsible Sharing. Do not publicly share gated content, internal spreadsheets, or playbooks. Linking to public pages is permitted.
4. Financial‑Institution Compliance. Always review the official offer page and the issuing institution's terms. When in doubt, ask the institution—not us—for definitive guidance.