Terms of Use

These Terms of Use (“Terms”) govern your access to and use of SnowballGuide (the “Site”). Please read them carefully. They contain an arbitration agreement and a class action waiver that affect your legal rights.

1. Eligibility and Age Requirement

You must be at least 18 years of age and a legal resident of the United States to use this Site or submit any information through it. By using the Site, you represent and warrant that you meet these requirements and that all information you provide is truthful, accurate, and your own.

2. Acceptance of Agreement

By accessing, browsing, or submitting information through the Site, you agree to be bound by these Terms and by our Privacy Policy, which is incorporated here by reference. If you do not agree, do not use the Site. We may modify these Terms at any time; the revised version takes effect when posted, and your continued use constitutes acceptance.

3. Description of the Site

SnowballGuide is an independent informational publisher and referral service. We publish general educational content and we display advertising and lead-generation placements operated by third parties. We are not a bank, lender, creditor, credit repair organization, insurer, broker, debt relief provider, or government agency. We do not provide financial, legal, tax, or professional advice, we do not make credit decisions, and we do not offer, underwrite, approve, or fund any product or service.

When you submit information through a form on the Site, that information is transmitted to one or more third-party marketing partners. Any product, service, or offer you ultimately receive is provided solely by that third party. The third party alone determines eligibility, rates, fees, terms, and whether to contact you at all. Any transaction is strictly between you and that third party, and we are not a party to it. We make no representation that any specific offer, amount, term, or outcome will be available to you.

4. Proprietary Rights and Prohibited Uses

All content on the Site, including text, graphics, layout, logos, and the compilation thereof, is owned by us or our licensors and is protected by copyright, trademark, and other laws. You agree not to:

• scrape, crawl, spider, harvest, data-mine, or otherwise systematically extract content or data from the Site by automated means;
• copy, reproduce, republish, sell, license, or create derivative works from the Site;
• frame, mirror, or reverse engineer any part of the Site, or circumvent any security or access control;
• submit false, fraudulent, or another person’s information, or upload malicious code;
• interfere with the operation of the Site, including through excessive automated requests or denial-of-service activity;
• use the Site for any unlawful purpose or in violation of these Terms.

5. License Grant

Subject to these Terms, we grant you a limited, revocable, non-exclusive, non-transferable, non-sublicensable license to access and view the Site for your own personal, non-commercial use. All rights not expressly granted are reserved. We may suspend or terminate this license at any time and for any reason without notice.

6. Disclaimer of Warranties

THE SITE AND ALL CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE, THAT CONTENT IS ACCURATE, COMPLETE, OR CURRENT, OR THAT ANY THIRD PARTY WILL CONTACT YOU OR EXTEND ANY OFFER. YOU USE THE SITE AT YOUR OWN RISK.

7. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, WEALTHBLIZZARD AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AFFILIATES, AND LICENSORS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, DATA, GOODWILL, OR BUSINESS INTERRUPTION, ARISING OUT OF OR RELATED TO YOUR USE OF THE SITE OR ANY INTERACTION WITH A THIRD-PARTY PARTNER, WHETHER BASED IN CONTRACT, TORT, OR ANY OTHER THEORY, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR TOTAL AGGREGATE LIABILITY FOR ANY CLAIM RELATING TO THE SITE WILL NOT EXCEED ONE HUNDRED U.S. DOLLARS ($100). SOME JURISDICTIONS DO NOT ALLOW CERTAIN LIMITATIONS, SO SOME OF THE ABOVE MAY NOT APPLY TO YOU.

You agree to indemnify and hold us harmless from any claim, loss, or expense (including reasonable attorneys’ fees) arising from your use of the Site, your submissions, or your violation of these Terms or applicable law.

8. Electronic Signatures and Communications (E-Sign Consent)

By using the Site, you consent to receive all agreements, notices, disclosures, and other communications from us and from partners you are matched with in electronic form, including by email or by posting on the Site. You agree that your electronic submissions, clicks, and checkbox selections constitute your electronic signature and have the same legal effect as a handwritten signature under the federal E-Sign Act and applicable state law. To access and retain electronic records, you need a device with internet access, a current browser, and the ability to receive email and view PDF files. You may withdraw this consent or request a paper copy by contacting us at the address below; withdrawal may prevent you from using certain parts of the Site.

9. Dispute Resolution, Arbitration, and Class Action Waiver

PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS. Any dispute, claim, or controversy arising out of or relating to the Site, these Terms, or your use of the Site (including calls, texts, or emails you receive as a result of a submission) will be resolved exclusively by final and binding individual arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules, rather than in court. The arbitration will be conducted in a mutually convenient location or by telephone or video where permitted, and the arbitrator’s award may be entered in any court of competent jurisdiction.

Class action waiver. You and SnowballGuide agree that claims may be brought only in an individual capacity and not as a plaintiff or class member in any purported class, collective, consolidated, or representative proceeding. The arbitrator may not consolidate claims or preside over any form of representative proceeding.

Either party may bring an individual action in small claims court instead of arbitration if the claim qualifies. These Terms and any dispute are governed by the laws of the State of California, without regard to conflict of law principles. If the arbitration provision is found unenforceable, exclusive jurisdiction and venue lie in the state and federal courts located in Los Angeles County, California.

10. Miscellaneous and Severability

These Terms, together with the Privacy Policy, are the entire agreement between you and us regarding the Site and supersede all prior understandings. If any provision is held invalid or unenforceable, that provision will be limited or severed to the minimum extent necessary and the remaining provisions will remain in full force. Our failure to enforce any provision is not a waiver. You may not assign these Terms; we may assign them freely. Section headings are for convenience only.

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