Welcome to ScapiaCreditCard.com.
These Terms of Service (“Terms”, “Terms of Service”) govern your access to and use of the ScapiaCreditCard.com website (“Website”, “we”, “us”, or “our”).
By accessing or using this Website, you acknowledge that you have read, understood and agree to these Terms. If you do not agree with these Terms, please do not use the Website.
1. About This Website
ScapiaCreditCard.com is an independent informational and research website.
The Website provides general information, guides, reviews, comparisons, explanations and other educational content relating primarily to the Scapia Credit Card and related topics.
ScapiaCreditCard.com is not the official website of Scapia, Federal Bank, or any associated issuing partner bank.
We do not issue credit cards, approve applications, provide banking services, make lending decisions or act as a financial institution.
2. Informational Purpose
Content published on ScapiaCreditCard.com is provided for general informational and research purposes.
The information on the Website should not be considered financial, legal, tax, investment, lending or other professional advice.
You should evaluate your own circumstances and verify important information with the applicable official provider before making financial decisions.
3. Accuracy of Information
We aim to provide useful and accurate information and may update content when relevant information changes.
However, credit-card benefits, fees, eligibility criteria, rewards, terms, conditions, offers and other product details may change without notice.
We do not guarantee that every piece of information on the Website will always be complete, current or error-free.
You should verify current product information, terms and conditions with the relevant official provider before applying for or using a financial product.
4. No Guarantee of Approval
Nothing on this Website guarantees:
- Credit-card approval
- Eligibility
- A particular credit limit
- A particular reward
- Lounge access
- Savings
- Referral rewards
- Any other specific result
Applications and decisions are subject to the applicable provider, issuer, partner-bank policies, eligibility requirements and terms.
5. Third-Party Links
The Website may contain links to third-party websites.
These may include official product pages, banks, card providers, referral partners, analytics providers, social networks and other external websites.
We do not control third-party websites and are not responsible for their:
- Content
- Availability
- Security
- Privacy practices
- Terms
- Products or services
Visiting a third-party website is subject to that website’s own terms and policies.
6. Referral and Advertising Links
Some links on the Website may be referral, affiliate or promotional links.
We may receive compensation, a referral benefit or commission when a visitor uses a qualifying link and completes an eligible action.
This does not ordinarily result in an additional charge to the visitor merely because the visitor used our referral link.
Referral programs, rewards and eligibility conditions may change.
For additional information, please review our Advertiser Disclosure.
7. Intellectual Property
Unless otherwise stated, the original written content, website design, layout, graphics and other materials created for ScapiaCreditCard.com are owned by or licensed to the Website operator.
You may access and use the Website for personal, non-commercial informational purposes.
You may not reproduce, republish, distribute, modify, copy, scrape, sell or commercially exploit substantial portions of our original content without appropriate permission, except where permitted by applicable law.
Third-party trademarks, logos, product names and brand materials remain the property of their respective owners.
8. User Conduct
When using the Website, you agree not to:
- Use the Website for unlawful purposes
- Attempt to interfere with or disrupt the Website
- Introduce malicious code or harmful software
- Attempt unauthorized access to website systems
- Misuse contact forms or communication channels
- Scrape or systematically extract content in a manner that violates applicable law or these Terms
- Impersonate another person or organization in connection with use of the Website
We reserve the right to restrict or terminate access where reasonably necessary to protect the Website, its users or our legitimate interests.
9. Availability of the Website
We may modify, suspend, discontinue or restrict access to all or part of the Website at any time.
We do not guarantee that the Website will always be available, uninterrupted, secure or error-free.
We may perform maintenance, updates or other changes that temporarily affect availability.
10. External Services
The Website may use third-party services such as hosting providers, analytics tools, security services, referral platforms, advertising providers or other technologies.
Your use of services provided directly by third parties may be subject to their own terms and policies.
11. Limitation of Liability
To the extent permitted by applicable law, ScapiaCreditCard.com and its operator shall not be responsible for losses, damages or claims arising from:
- Reliance on information published on the Website
- Errors or omissions in Website content
- Changes to third-party products or services
- Third-party websites
- Credit-card approval or rejection
- Changes in fees, rewards or eligibility
- Referral-program changes
- Website interruptions or unavailability
- Unauthorized access or events beyond our reasonable control
Nothing in these Terms is intended to exclude or limit liability where such exclusion or limitation is prohibited by applicable law.
12. Indemnification
To the extent permitted by applicable law, you agree to use the Website lawfully and not misuse the Website or violate these Terms in a manner that causes harm to the Website or its operator.
Where legally applicable, you may be responsible for claims or losses resulting from your unlawful use of the Website or your violation of these Terms.
13. Privacy
Your use of the Website is also governed by our Privacy Policy.
Please review the Privacy Policy to understand how information may be collected, used and managed.
14. Cookies
The Website may use cookies and similar technologies.
Your use of the Website may therefore also be subject to our Cookie Policy.
15. Changes to These Terms
We may update these Terms from time to time.
Changes may be made to reflect updates to the Website, services, technologies, business practices or applicable requirements.
The latest version will be published on this page with a revised “Last Updated” date.
Your continued use of the Website after changes are published constitutes your use of the Website subject to the updated Terms, to the extent permitted by applicable law.
16. Severability
If any provision of these Terms is determined to be invalid, unlawful or unenforceable, the remaining provisions will continue to apply to the extent permitted by law.
17. Entire Agreement
These Terms, together with the Privacy Policy, Cookie Policy, Advertiser Disclosure and other applicable website policies, constitute the terms governing your use of the Website, subject to applicable law.
18. Contact Us
For questions regarding these Terms of Service, contact:
Email: [email protected]
19. Important Disclaimer
ScapiaCreditCard.com is an independent informational and research website.
It is not the official website of Scapia or any associated issuing partner banks. We do not issue credit cards or provide banking services directly.
All trademarks, brand names and logos belong to their respective owners.