Last updated: May 2026
These Terms of Use (“Terms”) govern your access to and use of finbedrock.ai (“Site”), operated by SMART PEOPLE (S-Corp, California). By using this Site, you agree to these Terms. If you do not agree, please do not use this Site.
1. Eligibility
This Site is intended for users who are 18 years of age or older. By using this Site, you confirm that you are at least 18 years old. If you are under 18, you may not use this Site.
2. Not Financial Advice
All content on FinBedrock.ai is for informational and educational purposes only. Nothing on this Site constitutes financial, investment, legal, or tax advice. We are not a licensed financial advisor, broker, or investment professional.
Credit card offers, bonuses, APRs, and terms change frequently. Always verify current offers directly with the card issuer before applying. Your individual results may vary based on creditworthiness, spending habits, and other factors.
3. No Guarantee of Approval
Card recommendations on this Site do not guarantee approval. Credit card approval decisions are made solely by the card issuer based on your individual financial profile. FinBedrock.ai has no involvement in or influence over approval decisions.
4. Affiliate Relationships
FinBedrock.ai participates in affiliate programs. When you apply for a credit card through links on this Site, we may earn a commission. This does not affect the terms of any card offer or your cost as a consumer. For full details, see our Advertiser Disclosure.
5. Intellectual Property
All content on this Site — including text, graphics, logos, and code — is the property of SMART PEOPLE or its content suppliers and is protected by applicable copyright and intellectual property laws.
You may not reproduce, distribute, modify, or republish any content from this Site without prior written permission from SMART PEOPLE. Brief quotations with attribution and a link back to the original page are permitted.
6. User Conduct
By using this Site, you agree not to:
- Use the Site for any unlawful purpose
- Attempt to gain unauthorized access to any part of the Site
- Scrape, crawl, or systematically extract content from the Site without permission
- Use the Site to transmit spam, malware, or harmful content
- Misrepresent your identity or affiliation
7. Third-Party Links
This Site contains links to third-party websites including credit card issuers, affiliate networks, and other resources. These links are provided for convenience only. We do not endorse or control these sites and are not responsible for their content, privacy practices, or accuracy.
8. Disclaimer of Warranties
This Site is provided “as is” without warranties of any kind, express or implied. We do not warrant that the Site will be error-free, uninterrupted, or free of viruses or other harmful components. We make no warranty regarding the accuracy, completeness, or timeliness of any content on the Site.
9. Limitation of Liability
To the fullest extent permitted by law, SMART PEOPLE and its owners, employees, and affiliates shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of this Site or reliance on any content herein.
10. Indemnification
You agree to indemnify and hold harmless SMART PEOPLE and its owners, employees, and affiliates from any claims, damages, or expenses (including legal fees) arising from your use of this Site or violation of these Terms.
11. Governing Law
These Terms are governed by the laws of the State of California, United States, without regard to conflict of law principles. Any disputes arising under these Terms shall be resolved in the courts of California.
12. Changes to These Terms
We may update these Terms at any time. The “Last updated” date at the top of this page reflects the most recent revision. Continued use of the Site after changes constitutes acceptance of the updated Terms.
13. Contact
Questions about these Terms? Contact us at [email protected]
SMART PEOPLE | California, US