Terms of Use

By accessing or using Churnable (the "Site"), you agree to be bound by these Terms of Use and our Privacy Policy. If you do not agree to these terms, please do not use our services.

Churnable is an independent informational and comparative platform designed to help consumers research credit card welcome bonuses and bank account deposit promotions.

Churnable is not a bank, lender, credit card issuer, broker, or registered investment advisor. Nothing on this website constitutes personalized financial, investment, legal, or tax advice. All calculators, bonus projections, and evaluations are estimates provided solely for illustrative purposes.

Deposit accounts reviewed on Churnable (checking, savings, money market, CDs) are offered by financial institutions that are members of the FDIC or NCUA. Eligible deposits are insured up to $250,000 per depositor, per insured institution, for each account ownership category.

Churnable is not a bank, depository institution, certified financial planner, or registered investment advisor. The information provided on this site is for educational and comparative purposes only and should not be construed as individualized financial, tax, or legal advice.

Credit card issuers and banking institutions frequently change their welcome offer amounts, minimum spending criteria, annual fees, interest rates, and promotional expiration dates without notice. Bank promotions and credit card welcome bonuses are fast-moving and subject to sudden changes or early expiration by issuers.

While we strive to keep all data accurate and verified daily, you are solely responsible for reviewing and verifying the official application page, terms, conditions, and fee schedules on the financial institution's website before submitting an application or depositing funds.

Churnable has no role in reviewing, processing, approving, or denying any credit card or bank account application. All credit underwriting decisions, account openings, and bonus fulfillment obligations rest entirely with the respective financial institutions.

To the fullest extent permitted by applicable law, Churnable and its operators shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your access to or use of the Site, including but not limited to missed bonuses, fee charges, or credit score changes.

If you have questions or feedback regarding these Terms of Use, please contact us at contact@churn.cc.