Terms of Use

Terms of Use

Welcome to Another Credit Card! Before you use Another Credit Card’s service! You must read and agree to the Another Credit Card Terms and Conditions below. You represent that you have the capacity to be bound by this Agreement, or if you are acting on behalf of a company or other entity, you have the authority to bind such company or entity. In order to determine your compliance with this Agreement, Another Credit Card may monitor your access and use of the Site in accordance with Another Credit Card’s Privacy Policy.


Another Credit Card requires that you carefully read, understand and agree to the terms in this agreement. Your use of Another Credit Card's products, software, services, websites and mobile applications (each referred to in this document individually as a “Service” and collectively as "Services" and excluding any services provided to you by Another Credit Card under a separate written agreement) is subject to the terms of a legal agreement between you and Another Credit Card described in this document, our Privacy Policy, and any user agreements. "Another Credit Card", "we," "us," or "our" refers to Another Credit Card, a global Corporation, whose principal place of business is at 1220 TongPu Rd., 8F, Shanghai, P. R. C. 200333.

Your Access and Use of the Site

Your right to access and use the Site is personal to you and is not transferable by you to any other person or entity. You are only entitled to access and use the Site for lawful purposes and pursuant to the terms and conditions of this Agreement and Another Credit Card’s Privacy Policy. Your access and use of the Site may be interrupted from time to time for any of several reasons, including, without limitation, the malfunction of equipment, periodic updating, maintenance or repair of the Site or other actions that Another Credit Card, in its sole discretion, may elect to take. Another Credit Card reserves the right to suspend or discontinue the availability of the Site and/or any portion or feature of the Site at any time in its sole discretion and without prior notice. Any action by you that, in Another Credit Card’s sole discretion: (i) violates the terms and conditions of this Agreement and/or the Privacy Policy; (ii) restricts, inhibits or prevents any access, use or enjoyment of the Site; or (iii) through the use of the Site, defames, abuses, harasses, offends or threatens, shall not be permitted, and may result in your loss of the right to access and use the Site. You shall not meta-tag, provide links to or frame the Site without the prior express written permission of Another Credit Card.

Changes to the Terms

Another Credit Card may from time to time make changes to these Terms of Service, our Privacy Policy or Additional Terms. Any new Additional Terms will be made available to you from within, or through, the affected Services. You should revisit these Terms on a regular basis as revised versions will be binding on you. Any and all changes to the Terms of Service are effective upon being posted, and you understand and agree that your continued access to or use of Services provided by Another Credit Card indicates your acceptance of any changes to the Terms. These terms are effective until your account, if applicable, is deactivated by either you or Another Credit Card and you discontinue your use of Services.

Provision of the Services

Another Credit Card has subsidiaries and affiliated legal entities around the world ("Subsidiaries and Affiliates"). Sometimes, these companies will be providing the Services to you on behalf of Another Credit Card. You acknowledge and agree that Subsidiaries and Affiliates will be entitled to provide the Services to you. You acknowledge and agree that while Another Credit Card may not currently have set a fixed upper limit on the number of transmissions you may send or receive through the Services or on the amount of storage space used for the provision of any Service, such fixed upper limits may be set by Another Credit Card at any time, at Another Credit Card's sole discretion.

Another Credit Card’s Intellectual Property Rights

The names “Another Credit Card,” “anothercreditcard.com,” and Another Credit Card’s graphics, logos, page headers, button icons, scripts, and service names are trademarks or trade dress of Another Credit Card, in the United States (collectively, the “Proprietary Marks”). You may not use the Proprietary Marks without the prior express written permission of Another Credit Card, which permission may be withheld in Another Credit Card’s sole discretion. Another Credit Card makes no proprietary claim to any third-party names, trademarks or service marks appearing on the Site. Any third-party names, trademarks, and service marks are property of their respective owners. The information, advice, data, software and content viewable on, contained in, or downloadable from, the Site (collectively, the “Content”), including, without limitation, all text, graphics, charts, pictures, photographs, images, line art, icons and renditions, are copyrighted by, or otherwise licensed to, Another Credit Card or its Content suppliers. Another Credit Card also owns a copyright of a collective work in the selection, coordination, arrangement, presentation, display and enhancement of the Content (the “Collective Work”). All software used on the Site (the “Software”) is the property of Another Credit Card or its software vendors and is protected by United States and international copyright laws. Viewing, reading, printing, downloading or otherwise using the Content and/or the Collective Work does not entitle you to any ownership or intellectual property rights to the Content, the Collective Work or the Software. You shall be solely responsible for any damage resulting from your infringement of Another Credit Card’s or any third party’s intellectual property rights regarding the Trademarks, the Content, the Collective Work, the Software and/or any other harm incurred by Another Credit Card as a direct or indirect result of your copying, distributing, redistributing, transmitting, publishing or using the same for purposes that are contrary to the terms and conditions of this Agreement.


Another Credit Card does not charge anyone for access to the Another Credit Card website or using the Service at Another Credit Card.

Unsolicited Emails or “SPAM”

Another Credit Card holds itself to the highest privacy and customer relations standards, and we hold our users to the same rigorous standards. To that end, “spamming” (any form of emailing or posting to message boards for a commercial purpose that is unsolicited, and whose recipient did not request it) is prohibited in the Another Credit Card program. If you have specific questions about the policy, or you wish to report a Spam complaint, please contact spam@anothercreditcard.com.

Acceptable Use

You agree not to use the Service for illegal purposes. You will not interfere with or disrupt (a) the use and enjoyment of the Service by other users, (b) the Service, or (c) the servers or networks connected to the Service. You will not attempt to gain unauthorized access to computer systems or networks connected to the Service. You agree not to resell the use of or access to the Service.

Links to Third Party Sites or Applications

There may be links within the Services, or communications you receive through the Services, to third party sites or applications or our Services may include third party content that we do not control, maintain or endorse (all such sites or applications and third party content, collectively "Third Party Content"). You expressly acknowledge and agree that we are in no way responsible or liable for any Third Party Content, including, without limitation, any damages, losses, failures or problems caused by, related to or arising from such Third Party Content. Your correspondence and business dealings with third parties, including with respect to the financial products or services offered by such third parties, and any terms, conditions, policies, representations or warranties associated with such business dealings, are solely between you and the third party. You should review all of the relevant terms, conditions, policies, representations or warranties associated with such Third Party Content, including any privacy policies and terms of service that may be on a third party site or application that you visit or use. We disclaim any harm, including, without limitation, harm related to your personal information that may arise out of or relate to your access to or use of Third Party Content, including Third Party Content that is available on or through our Services.


Some of the Services are supported by advertising revenue and may display advertisements and promotions. These advertisements may be targeted to the content of information stored on the Services, queries made through the Services or other Content or information. The manner, mode and extent of advertising by Another Credit Card on or through the Services are subject to change without specific notice to you. In consideration for Another Credit Card granting you access to and use of the Services, you agree that Another Credit Card may place such advertising on the Services. Another Credit Card and its licensees may publicly display advertisements and other information adjacent to or included within Your Content. You are not entitled to any compensation for such advertisements.

Relationship Of Parties

The relationship between the User and Another Credit Card (Parties) will be that of independent contractors. Neither this Agreement, nor any terms and conditions contained herein may be construed as creating or constituting a franchise, partnership, joint venture or agency relationship between the parties. Neither party will have the power to bind the other or incur obligations on the other Party’s behalf without the other Party’s prior written consent.

Entire Agreement

This Agreement constitutes the entire understanding and agreement of the Parties with respect to the subject matter of this Agreement, and supersedes all prior and contemporaneous understandings and agreements, whether written or oral, with respect to such subject matter. Any changes, supplements or waivers to the Agreement must be in writing and signed by authorized representatives of all Parties.


Any Party receiving confidential or proprietary information (“Receiving Party”) from the other party shall (i) hold the Confidential Information in confidence and to take all commercially reasonable precautions to protect such Confidential Information (including, without limitation, all precautions the Receiving Party employs with respect to its confidential materials of a similar nature); (ii) except as expressly provided herein, not disclose any such Confidential Information or any information derived there from to any third person; (iii) not make any use whatsoever at any time of such Confidential Information except as necessary to exercise their rights and perform their obligations under this Agreement in strict accordance with the terms and conditions of this Agreement; (iv) except as expressly set forth herein, not copy or reverse engineer, or attempt to derive the composition or underlying information, structure or ideas of any such Confidential Information; and (v) not remove or export from the United States or re-export any such Confidential Information except in compliance with, and with all licenses and approvals required under applicable export laws and regulations, including without limitation, those of the U. S. Department of Commerce. Any employee or third party given access to any such Confidential Information must have a legitimate “need to know” and shall be similarly bound in writing.

Prohibition against Assignment

Neither this Agreement nor any rights, licenses or obligations hereunder, may be assigned by either Party without the prior written approval of the non-assigning Party. Notwithstanding the foregoing, either Party may assign this Agreement, together with all of its rights and obligations hereunder, to its Affiliate or as part of a merger, reorganization, change in its ownership or control or the sale or transfer of all or substantially all of its assets, without the other Party’s consent. Any attempted assignment in violation of this Section will be void and without effect. Subject to the foregoing, this Agreement will benefit and bind the Parties’ successors and permitted assigns.


Each party shall indemnify, defend and hold harmless the other party and its officers, directors, employees, agents, successors and assigns from and against any and all losses, liabilities, damages, penalties and claims and all related costs and expenses (including reasonable attorneys’ fees) (collectively, “Losses”) related to claims made by third parties against the indemnified party alleging that the indemnifying party’s intellectual property (including, without limitation, the Service, any marks, logos or other indicant of a party) infringe the patents, copyrights, trademarks or service marks or other intellectual property rights of such third parties. In addition to the foregoing, Another Credit Card agrees to indemnify, defend and hold harmless User, and assigns from and against any and all Losses arising out of (a) its breach of its representations, warranties or agreements herein; and (b) any claims from advertisers whose products or services are advertised via the Service.

Disclaimer of Services

Subject to the terms thereof, user expressly agrees that use of the service is at its sole risk. The service is provided on an “as is” basis. To the maximum extent allowed by applicable law, Another Credit Card expressly disclaims all warranties of any kind, express or implied by law, custom or otherwise, including without limitation any warranty of merchantability, satisfactory quality, fitness for a particular purpose. Another Credit Card makes no warranty regarding any third party goods or services purchased or obtained through the service or any transactions entered into through the service.

Another Credit Card has financial relationships with some of the cards mentioned here, and Another Credit Card may be compensated if consumers choose to apply for these links in our content and ultimately sign up for them.

Limitation of Liability

To the maximum extent allowed by applicable law, neither party, its members, subsidiaries, affiliates, service providers, licensees, officers, directors or employees shall be liable for any direct, indirect, incidental, special or consequential damages arising out of or relating to this agreement, resulting from the use or the inability to use the service or resulting from unauthorized access to or alteration of user’s transmissions or data, including but not limited to, damages for loss of profits, use, data or other intangible, even if such party has been advised of the possibility of such damages. Notwithstanding the forgoing, the limitations set forth herein shall not apply to the parties indemnification obligations hereunder, violation of intellectual property rights, privacy or confidentiality obligations or fraud.

Governing Law and Other Terms

This Agreement is to be construed in accordance with and governed by the internal laws of The United States of America and the State of California without giving effect to any choice of law rule that would cause the application of the laws of any jurisdiction other than the internal laws of the State of California to the rights and duties of the Parties. Any action related to this Agreement will be governed by California law, excluding (1) principles of conflicts of laws, and (2) the United Nations Convention on Contracts for the International Sale of Goods. Any action relating to this Agreement shall be brought in the state or federal courts located in California, and you hereby submit to the exclusive jurisdiction and venue thereof. You agree to comply with the laws of California and The United States that apply to the use of this Service and the compensation you may receive. If any part of this Agreement is held to be unenforceable, the unenforceable part shall be given effect to the greatest extent possible and the remainder will remain in full force and effect.

Dispute Resolution

All disputes between the parties relating to this Agreement, except for those for which injunctive relief is sought, may, upon mutual agreement of the parties, be submitted for final settlement by binding arbitration in accordance with the then prevailing Comprehensive Rules of the Judicial Arbitration and Mediation Service (JAMS). Any resulting arbitral award may be entered and enforced in any court of competent jurisdiction. The arbitration shall be held in a location mutually agreed upon by the parties. The arbitrators shall have authority to award actual money damages, and specific performance relief in accordance with the terms of this Agreement, but shall not have authority to award exemplary or punitive damages, and the parties expressly waive any claimed right to such damages. The parties shall share the costs and expenses of the arbitration, but not the costs and expenses of the parties, equally. In every case where the arbitrators decide a party has properly fulfilled the terms and conditions of this addendum and agreement, all costs and fees, incurred during or necessitated but the arbitration process shall be paid by the other party.

Force Majeure

Neither Party hereto shall be responsible for any failure to perform its obligations under this Agreement if such failure is caused by events or conditions beyond that Party’s reasonable control and the Party gives the other prompt notice and makes reasonable efforts to perform. A Party whose performance is affected by a force majeure condition shall be excused from such performance to the extent required by such force majeure condition so long as such Party uses commercially reasonable efforts to avoid or remove such causes of nonperformance and such force majeure event does not extend beyond one (1) month.