Terms of Service

These Terms of Service ("Terms") form a binding legal agreement between you ("you" or "User") and Unfiltered Choice, doing business as Unfiltered Choice, a Claudphic company ("Unfiltered Choice," "we," "us," or "our"), governing your access to and use of unfilteredchoice.com and all related content, tools, and services (collectively, the "Site").

1. Acceptance of these Terms

By accessing, browsing, or otherwise using the Site, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy, which is incorporated here by reference. If you do not agree to every part of these Terms, you must not access or use the Site.

2. Eligibility

The Site is intended for business owners, operators, and other adults evaluating business products and services. By using the Site, you represent that you are at least 18 years old and legally capable of entering into a binding contract. The Site is not directed at, and we do not knowingly collect personal information from, anyone under the age of 18 — including children under 13, consistent with the Children's Online Privacy Protection Act (COPPA).

3. What we provide

Unfiltered Choice is an independent editorial and comparison publisher. We research, test, score, and compare business banking, payment processing, payroll, and related products, and we publish free calculators and educational content about those decisions. The Site is provided for general informational and educational purposes only, and nothing on the Site constitutes an offer, solicitation, or recommendation to buy, sell, or use any specific financial product with respect to your particular circumstances.

4. Not professional advice

Content on the Site — including articles, comparisons, rankings, calculators, and any figures they generate — is general information only. It is not financial, legal, tax, accounting, or investment advice, and it is not a substitute for advice from a licensed professional who is familiar with your specific situation. Calculator outputs are illustrative estimates based on the numbers you enter; they are not quotes, guarantees of savings, or a substitute for pricing confirmed directly with a provider. You are solely responsible for any decision you make or action you take based on content found on the Site, and you should independently verify all fees, rates, terms, and eligibility requirements directly with the provider before acting.

5. Affiliate relationships

We participate in affiliate marketing programs. This means we may earn a commission when you click certain links on the Site and subsequently sign up for, or purchase, a product or service — at no additional cost to you. Affiliate relationships never influence our scores, rankings, or editorial conclusions. Full details are available in our Advertiser Disclosure, which is incorporated into these Terms by reference.

6. Accuracy, availability & "as is"

We work to keep information on the Site accurate, current, and useful, and we periodically re-check published comparisons. However, prices, fees, features, promotions, and terms offered by third-party providers change frequently and are entirely outside of our control. We make no representation or warranty that any content on the Site is complete, reliable, current, or error-free. The Site, and all content on it, is provided on an "as is" and "as available" basis, without warranties of any kind, whether express, implied, or statutory, including implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement.

7. Third-party sites and providers

The Site contains links to websites and services operated by third parties that we do not own or control, including the providers we review and compare. We are not responsible for, and do not endorse, the content, products, services, privacy practices, or terms of any third-party site. Any transaction you enter into with a third-party provider is solely between you and that provider, and is governed by that provider's own terms and policies — not by Unfiltered Choice.

8. Intellectual property

The Site and all content on it — including text, graphics, logos, rubrics, scoring methodology, calculators, and design — is owned by us or our licensors and is protected by U.S. and international copyright, trademark, and other intellectual property laws. You may view, download, and print content from the Site for your own personal, non-commercial reference. You may not reproduce, republish, distribute, scrape at scale, create derivative works from, or commercially exploit any content from the Site without our prior written permission.

9. Acceptable use

You agree that you will not, and will not attempt to: (a) scrape, crawl, or harvest data from the Site at scale using automated means outside of standard, well-behaved search engine indexing; (b) interfere with, disrupt, or place undue load on the Site's infrastructure; (c) circumvent, disable, or otherwise interfere with any security-related features of the Site; (d) misrepresent your identity or affiliation, or use the Site to transmit malware or unlawful content; (e) use the Site for any purpose that is fraudulent, defamatory, or otherwise unlawful; or (f) reverse engineer or attempt to extract our scoring methodology for competing commercial use.

10. Feedback and user submissions

If you send us feedback, corrections, story tips, or suggestions through our contact forms or email, you grant us a non-exclusive, royalty-free, worldwide, perpetual license to use that feedback to improve the Site without any obligation to compensate you. Do not submit anything through our forms that you do not have the right to share, or that contains confidential or sensitive information you do not want us to see.

11. Indemnification

You agree to defend, indemnify, and hold harmless Unfiltered Choice, Claudphic, and our respective officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses, including reasonable attorneys' fees, arising out of or in any way connected with: (a) your access to or use of the Site; (b) your violation of these Terms; or (c) your violation of any rights of a third party.

12. Disclaimer of warranties

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, Unfiltered Choice DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, RELATING TO THE SITE AND ITS CONTENT, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE, OR THAT ANY RECOMMENDATION, RANKING, OR CALCULATOR RESULT WILL MEET YOUR REQUIREMENTS OR PRODUCE ANY PARTICULAR FINANCIAL OUTCOME.

13. Limitation of liability

TO THE FULLEST EXTENT PERMITTED BY LAW, IN NO EVENT WILL Unfiltered Choice, CLAUDPHIC, OR OUR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, DATA, OR GOODWILL, ARISING FROM OR RELATED TO YOUR USE OF, OR INABILITY TO USE, THE SITE OR ITS CONTENT — INCLUDING ANY DECISION MADE OR ACTION TAKEN IN RELIANCE ON A COMPARISON, RANKING, OR CALCULATOR RESULT — EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR TOTAL AGGREGATE LIABILITY TO YOU FOR ANY CLAIM ARISING OUT OF OR RELATING TO THESE TERMS OR THE SITE WILL NOT EXCEED ONE HUNDRED U.S. DOLLARS (USD $100). Some jurisdictions do not allow the exclusion or limitation of certain damages, so some of the above limitations may not apply to you.

14. Governing law & dispute resolution

These Terms are governed by the laws of the State of California, United States, without regard to its conflict-of-laws principles.

Agreement to arbitrate. You and Unfiltered Choice agree that any dispute, claim, or controversy arising out of or relating to these Terms or the Site will be resolved by binding, individual arbitration administered under the rules of the American Arbitration Association, rather than in court, except that either party may bring an individual action in small claims court. This arbitration agreement includes, to the fullest extent permitted by law, a waiver of any right to bring or participate in a class, collective, or representative action. Arbitration will take place in [YOUR COUNTY, YOUR STATE], or another mutually agreed location, and judgment on the award may be entered in any court of competent jurisdiction. If any part of this arbitration agreement is found unenforceable, the remainder will still apply, and any dispute not subject to arbitration will be brought exclusively in the state or federal courts located in [YOUR COUNTY, YOUR STATE], and you consent to personal jurisdiction there.

15. Termination

We may suspend or terminate your access to the Site at any time, without notice, for conduct that we believe violates these Terms or is harmful to other users, us, or third parties, or for any other reason at our discretion. Provisions of these Terms that by their nature should survive termination — including intellectual property, disclaimers, indemnification, and limitation of liability — will survive.

16. Copyright complaints (DMCA)

We respect the intellectual property rights of others. If you believe content on the Site infringes your copyright, send a notice to support@unfilteredchoice.com identifying the copyrighted work, the material you claim is infringing and its location on the Site, your contact information, and a statement made under penalty of perjury that you are authorized to act on behalf of the copyright owner, consistent with the Digital Millennium Copyright Act, 17 U.S.C. § 512.

17. Changes to these Terms

We may revise these Terms from time to time. When we do, we will update the "last updated" date above. Your continued use of the Site after a revision becomes effective constitutes your acceptance of the revised Terms. If a change is material, we will make reasonable efforts to provide more prominent notice.

18. General provisions

If any provision of these Terms is found to be unenforceable, the remaining provisions will remain in full force and effect. Our failure to enforce any right or provision will not be considered a waiver of that right. These Terms, together with our Privacy Policy and Advertiser Disclosure, constitute the entire agreement between you and Unfiltered Choice regarding the Site, and supersede any prior agreements. You may not assign these Terms; we may assign them freely in connection with a merger, acquisition, or sale of assets.

19. Contact us

Questions about these Terms? Email support@unfilteredchoice.com or use our contact page. Unfiltered Choice · 100 Bush Street, Suite 300, San Francisco, CA 94104