These Terms of Use (“Terms”) set forth the legally binding terms and conditions that apply to your access and use of all digital assets, investigative guides, fee schedules, public interest tracking charts, and consumer review platforms (collectively, the “Services”) made available through our web domains, including but not limited to www.rawcents.com, and all related reading interfaces (the “Site”).
In these Terms, “RawCents,” “Editorial Team,” “we,” “our,” or “us” refers to the collective RawCents Editorial Team and its technical infrastructure providers. “You” or “your” refers to the individual reading, accessing, or interacting with the Services.
The Services are engineered strictly for residents of the United States. They consist entirely of free-access public interest investigative journalism, comparative credit/banking analytical reports, and consumer watchdog research designed to protect individuals from institutional financial friction.
⚠️ MANDATORY ARBITRATION AND CLASS ACTION WAIVER
THESE TERMS INCLUDE A MANDATORY INDIVIDUAL ARBITRATION PROVISION AND A CLASS ACTION WAIVER THAT GOVERN ANY DISPUTES BETWEEN YOU AND THE RAWCENTS EDITORIAL TEAM. PLEASE READ THEM CAREFULLY. IF YOU DO NOT AGREE TO THESE TERMS IN THEIR ENTIRETY, INCLUDING THE MANDATORY ARBITRATION AND CLASS ACTION WAIVER, YOU ARE NOT AUTHORIZED TO USE, READ, OR INTERACT WITH THE SERVICES.
1. Scope of Services and Platform Boundaries
Unlike multi-tiered institutional corporate financial networks, RawCents is an independent, non-collegiate consumer research news desk. We are not a bank, broker, credit bureau, lender, or licensed investment advisory group.
No Institutional Account Portals: We do not provide user profile account dashboards, credit score pulling tools (e.g., TransUnion/Experian APIs), or third-party bank account linking mechanics (e.g., Plaid).
No Lead-Generation Forms: We do not host direct pre-qualification applications for credit cards or personal loans. All monetization on our platform is executed strictly via standard contextual display advertisements or static external affiliate tracking links.
Age and Compliance Restrictions: To interact with our correspondence channels, submit investigative tips, or utilize the Services, you must (i) be at least eighteen (18) years of age, (ii) have not been previously banned from our networks, and (iii) maintain compliance with all local, state, and federal laws.
2. Communications and User-Generated Whistleblower Content
While RawCents does not require a registration login to access public articles, you may choose to submit documentation, customer service complaints, fine-print fee charts, or editorial tips via our secure email desk at rawcents@gmail.com.
Accuracy of Information: When communicating with our desk, you agree to provide true, accurate, and valid details. You strictly agree not to impersonate any individual, state a fraudulent affiliation with any corporate banking entity, or deploy misleading credentials to distort an investigative report.
Whistleblower Licensing Grant: By transmitting letters, contract data, hidden fee schedules, screenshots, or commentary to our desk, you hereby grant to RawCents a royalty-free, perpetual, irrevocable, worldwide, non-exclusive right and license to read, extract, cite, synthesize, reformat, and publish such materials—in whole or in part—across our public articles for investigative journalism purposes. You waive all moral rights or proprietary claims over these submissions.
Technical Redaction Protocol: In strict accordance with our Privacy Policy, you should avoid transmitting unnecessary sensitive personal identification parameters (such as full Social Security numbers or unredacted account routing digits). RawCents implements procedures to limit or drop unnecessary data before analysis occurs.
3. Third-Party Products, Services, and Links
a) Educational and Investigative Boundaries
Some of the Services involve deep dives into third-party bank accounts, corporate credit card terms, or fintech reward frameworks. You explicitly agree that all content, comparisons, and warnings provided on RawCents are structured for general educational, informational, and consumer-protection purposes only. They do not constitute certified legal, financial, accounting, medical, or tax planning advice. RawCents is not liable for any third-party content, rate changes, or fine-print omissions.
b) Accountability for Financial Decisions
You acknowledge that you are solely responsible for your own independent financial research and application choices. RawCents is not responsible or liable for any damage, loss, or account friction you experience with an external financial provider after reading our investigative coverage.
c) Independent Affiliate Outbound Links
The Site contains outbound links directing readers to external third-party banking domains, government databases (.gov), and lender application portals. RawCents does not control, endorse, monitor, or verify the operational accuracy, legality, code base, or hidden terms of these external sites. Your decision to cross over to an external domain is carried out at your sole discretion and risk, and is subject entirely to the distinct terms and privacy protocols of that third-party entity.
4. Prohibited Conduct
You explicitly agree that you will not, under any circumstances, engage in or encourage others to perform the following prohibited actions:
a) Use the RawCents Services for any unlawful purpose or in violation of any local, state, national, or international statute.
b) Misappropriate, infringe, or violate the copyright, intellectual property, or privacy rights of the RawCents Editorial Team or any third party.
c) Submit correspondence or content to our desk that is explicitly defamatory, libelous, profane, obscene, harassing, or threatening.
d) Interfere with, bypass, or degrade security firewalls, encryption parameters, or edge-network protections of the Site.
e) Deploy viruses, malware, adware, worms, logic bombs, or spyware scripts designed to compromise our email systems or server infrastructure.
f) Access, scrape, monitor, or systematically index any textual content, guide layout, or research calculation table on the Site using any automated robot, spider, scraper, script, or data-mining process for any programmatic purpose, machine learning training framework, or algorithmic model development without our explicit, advance written consent.
g) Reverse engineer, disassemble, decompile, or attempt to derive the underlying source code of our delivery frameworks, caching engines, or web architecture.
5. Intellectual Property and Copyright Infringement (DMCA Notice)
The public interest investigations, text structures, comparison models, branding elements, and layout styles displayed on the Site are protected under United States and international copyright, trademark, and intellectual property statutes. No materials may be scraped, copied, republished, or scraped into an automated writing feed without our explicit written consent.
If you are a copyright owner and believe in good faith that materials hosted on our platform infringe upon your intellectual property, you may submit a formal Digital Millennium Copyright Act (DMCA) notice to our desk at rawcents@gmail.com. Your notice must contain:
A physical or electronic signature of the authorized copyright holder or representative.
Clear identification of the copyrighted material claimed to have been violated.
The specific URL string on our Site where the disputed material is actively located.
Your complete name, telephone number, mailing address, and direct email coordinates.
A written statement affirming your good-faith belief that the disputed file use is not authorized by the copyright owner, its legal agent, or applicable federal law.
A formal statement, executed under penalty of perjury, that the details provided within your notice are entirely accurate.
6. Indemnification
You agree that you will be personally responsible for your interaction with the Site. You agree to defend, indemnify, and hold completely harmless RawCents, its Editorial Team, its cloud infrastructure providers, and its technical operators from and against any and all claims, financial liabilities, legal damages, losses, and administrative expenses (including reasonable attorneys’ and accounting fees) arising out of or in any way connected with:
i) Any communication, feedback, or tip text you transmit to our desk.
ii) Your explicit violation of these Terms or any applicable consumer law.
iii) Your infringement upon any third-party right, including intellectual property, privacy, or property parameters.
iv) Any operational dispute or account fallout that occurs between you and an external financial institution or merchant provider.
7. Disclaimers of Warranties
THE DISCLAIMERS AND LIMITATIONS OUTLINED IN THIS SECTION APPLY TO THE MAXIMUM EXTENT PERMITTED UNDER APPLICABLE UNITED STATES LAW.
THE RAWCENTS SERVICES ARE TRANSMITTED ON AN “AS IS” AND “AS AVAILABLE” PROTOCOL, WITHOUT WARRANTIES, GUARANTEES, OR CONDITIONS OF ANY KIND, EITHER EXPLICIT OR IMPLIED. WHILE OUR EDITORIAL DESK ENFORCES AGGRESSIVE COMPLIANCE TESTING AND PRIMARY SOURCE DISCLOSURE AUDITING, WE CANNOT GUARANTEE THAT TECHNICAL ERRORS, FACTUAL INACCURACIES, OR INTERNET REWARD SYSTEM ADJUSTMENTS WILL NOT OCCUR INADVERTENTLY.
A) NO IMPLIED WARRANTIES: THE EDITORIAL TEAM EXPLICITLY DISCLAIMS ALL IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A SPECIFIC STRATEGY, TITLE, AND NON-INFRINGEMENT, AND ANY WARRANTIES ARISING OUT OF COURSE OF DEALING, USAGE, OR TRADE.
B) NO ACCURACY GUARANTEES: RAWCENTS DISCLAIMS ALL DIRECT LIABILITY FOR FACTUAL ERRORS, OUTDATED INTEREST RATE DATA, UNANNOUNCED BANK CARD MODIFICATIONS, OR TYPOGRAPHICAL ANOMALIES CONTAINED WITHIN OUR GUIDES.
C) NON-FINANCIAL STATUS: RAWCENTS IS NOT AN INSTITUTIONAL LENDER, CREDITOR, BANK, BROKERAGE, LOBBYING FIRM, OR INSURANCE PROVIDER. WE ARE NOT ENDORSED BY OR AFFILIATED WITH THE FINANCIAL INDUSTRY REGULATORY AUTHORITY (FINRA), THE SECURITIES AND EXCHANGE COMMISSION (SEC), OR ANY SPECIFIC BANKING CONGLOMERATE. WE MAKE NO GUARANTEES OR REPRESENTATIONS REGARDING THE PRECISE SAVINGS OR ECONOMIC OUTCOMES RESULTING FROM YOUR CONSUMPTION OF OUR TEXT.
8. Limitation of Liability
TO THE FULLEST EXTENT PERMITTED BY APPLICABLE JURISDICTIONAL STATUTES, IN NO EVENT WILL THE RAWCENTS EDITORIAL TEAM, ITS OPERATORS, SITE HOSTS, OR INFRASTRUCTURE PROVIDERS BE LIABLE TO YOU FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOSS OF DIGITAL DATA, SAVINGS, BANKING PROFITS, OR REVENUE, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING STRUCTURAL NEGLIGENCE), STATUTE, OR ANY OTHER LEGAL FRAMEWORK, EVEN IF RAWCENTS HAS BEEN INFORMED OF THE THEORETICAL POSSIBILITY OF SUCH DAMAGES.
TO THE EXTENT THAT LIABILITY CANNOT BE COMPLETELY EXCLUDED UNDER APPLICABLE LAW, THE CUMULATIVE AGGREGATE LIABILITY OF RAWCENTS TO YOU FOR ALL CLAIMS, DISPUTES, OR ACTIONABLE COGNIZABLE LOSSES WILL NOT EXCEED US $100.
9. Modifications and Severability
a) Terms Revisions
RawCents reserves the unilateral right to revise, update, and modify these Terms at any time without advance warning. When revisions occur, we will update the “Last Updated” timestamp at the top of this document. Your continued navigation or reading of our platform following an update constitutes absolute acceptance of the updated legal framework. If you do not agree with a modification, you must exit the Site immediately.
b) Severability
If any provision or clause within these Terms is found to be illegal, invalid, or unenforceable by an authorized court of law or arbitration panel, that specific clause will be separated from the document, and the remaining terms will retain their full force, validity, and legal effect.
10. Contact Information
If you have questions, require clarification, or wish to seek explicit interpretation regarding these Terms of Use, contact our collective desk:
RawCents Editorial Team
Email: rawcents [@] gmail [dot] com