Terms of Use

Infusion Strategies (“we,” “us,” or “our”) is pleased to provide a credit card and loan search tool that allow you to learn about and explore possible new credit cards and loans that might fit your financial situation. By accessing our services or engaging with any communication from Infusion Strategies, you accept and are agreeing to be bound by these Terms of Use (“Terms of Use” or “Terms”). It is important for you to read these Terms carefully in order to understand your legal rights as they relate to your use of our Site and Service.

IN PARTICULAR, PLEASE NOTE THAT THESE TERMS CONTAIN SPECIFIC DISCLAIMERS REGARDING WARRANTIES AND LIABILITY, IN ADDITION TO IMPORTANT PROVISIONS REQUIRING ARBITRATION OF ALL DISPUTES AND A CLASS ACTION WAIVER (PLEASE SEE SECTIONS BELOW ENTITLED “DISCLAIMERS AND LIMITATIONS OF LIABILITY,” AND “DISPUTE RESOLUTION”).

If you do not accept these terms, you are not authorized to access or use the Site.

Our Privacy Policy describes our practices regarding any and all information collected from you and is hereby incorporated by reference into these Terms. In the event of a conflict between these Terms and the Privacy Policy, the Privacy Policy shall govern.

California residents have additional rights under the California Consumer Privacy Act (CCPA), as amended by the California Privacy Rights Act (CPRA), including the right to know, delete, correct inaccurate personal information, opt out of the sale or sharing of personal information (including sharing for cross-context behavioral advertising), and limit the use and disclosure of sensitive personal information. To exercise these rights, please see the “Your Rights and Choices” section of our Privacy Policy or use the contact channels listed therein.

We reserve the right to change or discontinue any feature of the Site and modify the terms applicable to you, including these Terms, at any time and in our sole and absolute discretion. Such changes will be effective immediately upon their being posted on the Site. It is your responsibility to review these Terms periodically to be aware of any modifications and any use by you of the Site will be deemed to constitute your acceptance of such changes. We also reserve the right to prohibit use of the Site by any User who breaches these Terms.

The Site is intended for individuals who are at least 18 years of age and are a citizen of the United States. If you do not meet these criteria, you should not visit or use the Site. Use of the Site, including any provision of personally or non-personally identifiable information, by anyone under 18 years of age is strictly prohibited.

If you have any questions or complaints about us, the Site features or content, please contact us by using our contact form.

Introduction to the Site

Infusion Strategies provides online marketplace and information services for personal credit cards and loans. In doing so, we act as intermediary between consumers who are interested in the cards and loans and a variety of non-affiliated banks and other financial services institutions who provide opportunities to apply for the cards and loans. Cards and loans are presented as display advertisements in our Card emails and other electronic communications that, when clicked on, take you to the website of the card or loan provider.

Our objective is to select cards and loans that might interest you based on the limited information you provide to us. Our Privacy Policy describes our practices regarding such information.

We are NOT a bank, lender, credit card issuer, or any other type of creditor, and therefore DO NOT make loans or credit decisions in connection with issuing credit cards or loans. We offer marketing and other business services to the card and loan providers who advertise through our emails and other electronic communications. We are paid fees by these providers. Your use of the Site constitutes your consent to this compensation arrangement. We do not charge you any fees, but please be advised that if and when you secure a credit card, or obtain any other credit product with a provider, you may be responsible for paying associated closing costs, if any.

We are ALSO NOT a credit repair organization, credit counselor, financial advisor, or legal advisor as defined under federal or state law. Use of our Site should not be considered a replacement for professional advice or assistance regarding your finances or credit profile.

Please keep in mind the following when using any of our Services:

  • We do not endorse or recommend any particular card or loan.
  • The card and loan providers are solely responsible for their products and services. You agree that we will not be liable for any damages or costs arising out of, or in any way connected with, your use of such products or services.
  • We are not an agent of either you or any card or loan provider.
  • Our emails and other communications are for informational purposes only and do not account for your complete financial situation. Think carefully about your decision to obtain a credit card or loan, or otherwise purchase a new credit product. You are solely responsible for deciding which available card(s) and loan(s) and terms, if any, best suit your needs.
  • Please consult with a competent professional financial advisor before making any final decisions, especially if you are unfamiliar with consumer credit and/or inexperienced with personal financial management.

Regardless of whether you qualify for, or obtain, a credit card or loan, the card and loan providers may obtain and keep the information that you or any third-parties have provided to them as part of your final credit application. Card and loan providers have their own credit application processes and will typically require additional information from you prior to providing a final offer of credit.

While using our Site, you represent that all the information you have provided to us is true and complete. When you use our Site, you also acknowledge and agree that you have established a business relationship with us. You also acknowledge that you will only use our Site for personal, non-commercial purposes.

Consent for Electronic Signatures, Records, and Disclosures (“E-Consent”)

Introduction and Scope of Consent. By clicking the Submit button or taking any other action or selecting any other link on our Site, you agree to conduct transactions and execute contracts and documents electronically, and/or receive online or by electronic communication (including email, texts and popup push notifications) all notices, disclosures, and other important communications (collectively, “Communications”) that in any way relate to the Site.

Communications covered by this Consent include, without limitation: (a) these Terms of Use and this consent regarding the use of electronic transactions, signatures and communications; (b) your consent to our acquisition and use of your Personal Information; (c) our Privacy Policy, and any subsequent privacy notices; (d) any other notice or disclosure required by federal, state or local law; and (e) other disclosures, notices or communications in connection with your application for a credit card or loan.

Option for Paper or Non-Electronic Records. You may request any Communication in paper copy by contacting us directly. We will retain all Communications as applicable law requires. There will be no charge for a paper copy of any Communication we have sent you electronically.

Withdrawing Consent. Your E-Consent and our card and loan providers’ consideration of your connecting request cannot be withdrawn because it is a one-time transaction. You may withdraw this Consent from us at any time by sending a notification of your withdrawal to us by using our contact form.

Consent to Information Retention and Sharing Between Us and Card and Loan Providers

We adhere to state and federal regulatory requirements in addition to our own internal policies regarding data reporting and record retention, which apply to any information you submit to us and possibly certain other information that we may receive about you from third parties. We retain personal information only for as long as necessary to fulfill the purposes described in our Privacy Policy, including applicable legal, regulatory, and reporting obligations. To learn about specific retention periods or to exercise your privacy rights — including your rights to know, delete, correct, opt out of the sale or sharing of your personal information, or limit the use of sensitive personal information — please submit a request through one of the following channels:

In addition, as described above, we will share information you submit to us with our card and loan providers in the course of your selection of any of our electronic advertisements or offers.

Specific retention periods applicable to each category of information are set forth in our Privacy Policy.

By clicking the Submit button or taking any other action or selecting any other link on our Site, you give us permission to retain all such provided information, and any other information we collect or may receive about you.

You also authorize us and our card and loan providers, along with any other related lenders, brokers, or other third parties, to mutually share information you submit, information received about you from third parties, and information about you and/or your transactions or their websites and products, as necessary. Please note that certain categories of information are designated as “sensitive personal information” under the CPRA — including Social Security numbers, financial account numbers, and medical information — and our use and disclosure of such information is limited to what is necessary to provide the services you request or as otherwise permitted by law. You have the right to direct us to further limit our use of sensitive personal information by submitting a request using the contact methods described in our Privacy Policy.

By using or continuing to use the Site, you are providing express consent for us and your selected credit or loan provider to share your information for purposes including, but not necessarily limited to, litigation, regulatory actions/investigations, law enforcement requests, internal analytics, and/or marketing.

Consent to Receiving Communications from Us and Credit Card or Loan Providers

By clicking the Submit button, or taking any other action or selecting any other link on our Site, you consent to receive text messages to the cell phone number(s) you provide, popup push notifications, and emails at the email address(es) you provide. You agree that any such communications will not be considered spam or unauthorized by any local, state, or federal law or regulation.

Communications may be sent from creditnewsalert.com or from other domains operated by or on behalf of Infusion Strategies, a division of Bulldog Media Group, LLC. Regardless of the sending domain, all such communications are governed by these Terms and our Privacy Policy.

If you no longer wish to receive communications from us, please contact us by using our contact form. You can deactivate push messaging at any time by changing the notification settings on your mobile device or browser.

Please also note the following important conditions:

  • We do not guarantee that you will be approved for any particular credit card or loan, or that credit will be granted on any particular terms.
  • Selecting a particular card or loan advertisement or offer is not legally binding.
  • The final rates and fees for the card or loan may be higher or lower than those shown in our advertisements.
  • Product approval standards are established and maintained solely by the individual credit card and loan providers.
  • Credit card and loan providers may not offer their products in all states and jurisdictions.
  • We and the providers expressly reserve the right to discontinue, suspend, or terminate the advertising of any card, loan or other product in any state or jurisdiction at any time, without prior notice.

Monitoring of the Site

We have the right, but not the obligation, to monitor our Site electronically. At our sole and absolute discretion, we may access, use, preserve, transfer or disclose information at any time and without notice to you as outlined in our Privacy Policy.

Ownership and Infringement of Rights

Content Rights of Infusion Strategies and Associated Third Parties. Our Site, emails and other electronic communications contain copyrighted material, trademarks, and other proprietary information of Infusion Strategies and of our card and loan providers, marketing partners, vendors, and other third parties (collectively, the “Associated Parties”) including, but not limited to, text, data, software, icons, graphics, charts, photos, videos, and music and sound (“Content”).

You are permitted to use our Content only when visiting our Site and reviewing and responding to our emails and other electronic communications, and you may not copy, modify, sell, reproduce, distribute, republish, display, post, exploit, create derivative or collective works from, or transmit in any form our Content, in whole or in part, without our express prior written consent.

All contents of the Site are Copyright © 2017 Infusion Strategies and/or its Associated Parties; 114 N. Egan Avenue, Madison, South Dakota 57042, U.S.A. All rights reserved.

Disclaimers and Limitations of Liability

THE SITE AND THE INFORMATION, CONTENT, SOFTWARE, PRODUCTS AND SERVICES ASSOCIATED WITH IT ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT ANY WARRANTY OR CONDITION OF ANY KIND, EXPRESS OR IMPLIED. INFUSION STRATEGIES, ON BEHALF OF ITSELF, ITS AFFILIATES, AND ITS PROVIDERS AND ASSOCIATED PARTIES, TO THE EXTENT PERMISSIBLE BY APPLICABLE LAW, DISCLAIMS ANY WARRANTY OF ANY KIND.

INFUSION STRATEGIES AND ITS AFFILIATES, PROVIDERS AND ASSOCIATED PARTIES ARE NOT LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES OR OTHER INJURY ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE, OR THE DELAY OR INABILITY TO USE, THE SITE OR FOR ANY INFORMATION, CONTENT, SOFTWARE, PRODUCTS, OR SERVICES OBTAINED THROUGH THE SITE OR OUR EMAILS OR OTHER COMMUNICATIONS.

If you are a California resident, you waive California Civil Code Section 1542, which says: “A general release does not extend to claims which the creditor does not know or suspect to exist in his favor at the time of executing the release, which if known by him must have materially affected his settlement with the debtor.”

Indemnification

As a condition of use of the Site, you agree to defend, indemnify, and hold harmless Infusion Strategies and our credit card and loan providers and other Associated Parties from and against any and all liabilities, claims, expenses (including attorneys’ fees), demands, and damages arising out of or in any way related to (a) your use of our Site; (b) your violation of these Terms or any applicable law; (c) your infringement of any intellectual property or other right of any person or entity; or (d) any dispute between you and a third party.

Dispute Resolution

You and we each agree to resolve exclusively through final and binding arbitration any and all disputes or claims that have arisen or may arise between you and us, whether or not such dispute or claim involves a third party, relating in any way to any aspect of our relationship or any contact between us, direct or indirect, or arising out of this or previous versions of these Terms.

You and we agree to submit the Dispute to a single arbitrator under the then-current Commercial Arbitration Rules of the American Arbitration Association (AAA). The AAA’s rules and information regarding initiating a claim are available at www.adr.org.

You and we agree that each of us may bring a Dispute against the other only on our own behalf, and not on behalf of a class of persons or entities. You and we agree to waive the right to a trial by jury for all disputes.

Unless you and we agree otherwise, if this agreement to arbitrate is found by a court to be unenforceable, you agree that any Dispute must be resolved exclusively by a United States federal court located in Minnehaha County, South Dakota.

Miscellaneous Provisions

These Terms of Use, our Privacy Policy, and any other agreements you may enter into in the course of using the Site constitute the entire agreement between you and Infusion Strategies and supersede all prior or contemporaneous communications, promises and proposals, whether oral, written or electronic, between you and us with respect to the Site.

This Agreement shall be subject to and construed in accordance with the laws of the State of South Dakota, excluding conflict of laws provisions.

If any provision of these Terms is deemed to be invalid or unenforceable pursuant to applicable law, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision.

The provisions of these Terms are for the benefit of Infusion Strategies and its officers, directors, employees, agents, licensors, suppliers, and any third-party credit card and loan providers and Associated Parties.

Last Revised: May 15, 2026