Terms of Service

Picklynx (the “Site,” “Picklynx,” “we,” “us,” “our,” or “Company”) encourages all users to review this Terms of Use Agreement (“Agreement”). By accessing, browsing, or using this Site and its services, through any direct or indirect means, or by using the goods or services provided and offered in or through this Site by any alternative methods (including but not limited to telephone, mail, text, email, or fax), you agree to be bound by these Terms of Use.

Site Modification or Suspension

We reserve the right, at our sole discretion, to modify, suspend, or discontinue the Site, or any service, content, feature, or product offered through it, with or without notice. You agree that we are not liable to any third party for any modification, suspension, or discontinuation of the Site or any services or products provided through it.

Services

Picklynx provides information, reviews, and tools for comparing financial services and consumer products. You may also request additional information through the Site. Any personal information you submit is subject to our Privacy Policy. By submitting an inquiry, you understand and agree that Picklynx may share your personal information with our network of partners, including but not limited to mortgage brokers, credit consultants, insurance providers, or other businesses related to your request. Different businesses, both related and unrelated to your inquiry, may contact you. We do not charge you a fee to use our Site or services. Qualification for specific products is determined by our partners, and we do not endorse, warrant, or guarantee their services. We are not a mortgage lender, debt servicer, real estate company, insurance agent, auto sales company, or automotive warranty organization. Any inquiry you submit is not an application for a financial product.

By using this Site, you agree to receive autodialed or prerecorded calls, texts, and emails from Picklynx and its affiliates at the phone numbers or email addresses you provide. Your consent is not a condition of any purchase.

Age Restrictions

This Site is not intended for use by minors. You certify that:

• You are at least 18 years old.

• You assume full responsibility for the use of this Site by minors.

• The information you submit is accurate and truthful.

Advertiser Disclosure

Our reviews and rankings are based on our opinions, expert knowledge, and referral fees from companies reviewed on the Site. We do not review all products in each category. Rankings may be influenced by referral fees and may not reflect all available products. Other factors such as user device, location, and browsing data may affect rankings.

Prohibited Use

You agree not to use the Site for illegal purposes or in a manner that violates others' rights. Prohibited activities include but are not limited to:

• Posting unlawful, abusive, or obscene content.

• Interfering with the Site’s functionality or security.

• Using bots or other automated tools to access the Site without our permission.

• Conducting fraud or misrepresenting your identity.

Picklynx owns the intellectual property on this Site. You may not copy, modify, or distribute our content without written permission. You may, however, print a copy for personal, non-commercial use, as long as our marks or logos remain visible. Unauthorized use of the Site or its content is strictly prohibited.

No Warranty

All services and content on this Site are provided “as-is” and “as available.” We make no express or implied warranties regarding the accuracy, reliability, or completeness of the information on this Site, nor the products or services featured. Your use of this Site is at your sole risk.

Limitation of Liability

Picklynx and its affiliates will not be liable for any indirect, direct, incidental, or consequential damages arising from your use of the Site. You agree that any claims must be filed within one (1) year of the incident. Certain jurisdictions may not allow this limitation, so the limitation may not apply to you.

Arbitration Agreement and Class Action Waiver

By using this Site, you agree to resolve any disputes through binding individual arbitration, not in court. You waive the right to participate in class actions or class-wide arbitration. If a dispute arises, both parties agree to attempt informal resolution before proceeding to arbitration.

Indemnification

You agree to indemnify and hold Picklynx and its affiliates harmless from any claims or demands arising from your use of the Site or violation of this Agreement.

Termination

If you violate this Agreement, we may terminate your access to the Site without notice. We also reserve the right to change or discontinue any part of the Site at any time without liability.

Entire Agreement

This Agreement constitutes the entire agreement between you and Picklynx regarding your use of the Site, superseding any prior agreements.

Changes to Terms and Policies

We reserve the right to modify this Agreement and our Privacy Policy at any time. Changes will be effective upon posting. Your continued use of the Site after changes are posted constitutes acceptance of the updated terms.