By accessing and using KCSWA (kcswa.net), you agree to comply with these Terms and Conditions. If you disagree with any part, please discontinue use immediately.
1. Website Use
- You must be at least 18 years old to use this website
- All content is for informational purposes only
- You agree not to misuse any information or services provided
2. Intellectual Property
- All content (text, graphics, logos) is owned by KCSWA
- Material may not be reproduced without prior written permission
- Proper attribution is required when sharing our content
3. User Responsibilities
- You agree to provide accurate information when contacting us
- Any comments or submissions must be respectful and lawful
- You are responsible for maintaining the confidentiality of your account (if applicable)
4. Financial Disclaimer
- Content does not constitute professional financial advice
- Credit card terms and offers may change without notice
- We are not responsible for application decisions or outcomes
5. Limitation of Liability
- KCSWA is not liable for any direct/indirect damages from website use
- We do not guarantee uninterrupted or error-free service
- Third-party links are provided for convenience only
6. Affiliate Disclosure
- We may earn commissions from credit card applications
- This does not affect our editorial independence
- We strive to provide unbiased recommendations
7. Governing Law
These terms are governed by the laws of [Your Country/State]. Any disputes will be resolved in [Your Country/State] courts.
8. Changes to Terms
We reserve the right to modify these terms at any time. Continued use constitutes acceptance of changes.
Contact Information
For questions about these Terms, email [email protected].
By using kcswa.net, you acknowledge you have read, understood, and agreed to these Terms and Conditions.