Terms of Use

1. Nature of Services

Zogby provides general financial information, comparisons, reviews, and educational content. Our Services are intended for informational purposes only and do not constitute financial, legal, tax, investment, or insurance advice.

We are not a financial advisor, broker-dealer, insurance agent, mortgage broker, or lender. We do not make credit decisions, extend credit, hold deposits, underwrite insurance, or manage investments on your behalf.

You should always consult with a qualified professional before making any financial decision. The financial products featured on our site are offered by third-party providers, and Zogby is not responsible for the products, services, or policies of those providers.

2. No Professional Advice

The content on Zogby is for general informational purposes only and should not be considered a substitute for professional financial, legal, or tax advice. We do not take into account your individual financial situation, goals, or risk tolerance.

While we strive for accuracy, we do not warrant that any information on our site is complete, accurate, or current. Financial products, rates, and terms change frequently, and information may be outdated at the time you view it.

3. Third-Party Products and Services

Our site features products and services from third-party companies. When you click on links to these products or submit applications, you are interacting with the third-party provider, not with Zogby.

Zogby is not responsible for the terms, conditions, privacy practices, or performance of any third-party products or services. Your use of third-party products is governed by the respective provider's terms and conditions.

4. Affiliate Compensation

Zogby may receive compensation from companies whose products are featured on our site. This compensation is received in the form of affiliate commissions when users click on links, submit applications, or purchase products through our site. This compensation may impact how and where products appear but does not affect our editorial ratings or reviews.

5. Accuracy and Timeliness

We make reasonable efforts to keep our content accurate and up to date. However, all information is provided "as is" without warranty of any kind, express or implied.

Rates, fees, terms, and other product details are sourced from publicly available information and may change without notice. Always verify current terms directly with the product provider before making a financial decision.

6. User Conduct

You agree not to use our Services for any unlawful purpose or in violation of these Terms.

You may not reproduce, distribute, modify, or create derivative works of our content without our prior written permission.

You may not use automated tools, bots, or scrapers to access or collect data from our Services.

7. Intellectual Property

All content, trademarks, logos, and other intellectual property on Zogby are owned by or licensed to Zogby. You may not use any of our intellectual property without our prior written consent.

8. Limitation of Liability

To the fullest extent permitted by law, Zogby and its officers, directors, employees, agents, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of or inability to use our Services.

Zogby shall not be liable for any losses or damages resulting from your reliance on information provided through our Services, or from any financial decisions you make based on our content.

In no event shall Zogby's total liability exceed the amount you paid to Zogby, if any, for accessing our Services during the twelve months preceding the claim.

9. Disclaimer of Warranties

Our Services are provided "as is" and "as available" without warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

10. Indemnification

You agree to indemnify and hold harmless Zogby and its officers, directors, employees, and agents from any claims, damages, losses, or expenses arising from your use of our Services or your violation of these Terms.

11. Changes to Terms

We reserve the right to modify these Terms at any time. Changes will be effective upon posting to our website. Your continued use of our Services after changes are posted constitutes your acceptance of the modified Terms.

12. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, without regard to its conflict of laws provisions.

13. Contact

For questions about these Terms, contact us at legal@zogby.com.