Terms and Conditions

Last Updated: August 7, 2025

1. ACCEPTANCE OF TERMS

By accessing or using the BNX Networks Inc website and services (the "Service"), you agree to be bound by these Terms and Conditions ("Terms"). If you do not agree to these Terms, you may not use our Service.

2. DESCRIPTION OF SERVICE

BNX Networks Inc ("Company," "we," "us," or "our") operates a platform that allows users to submit anonymous reviews and ratings of credit cards. The Service is available to users worldwide.

3. USER ELIGIBILITY

You must be at least 18 years old to use this Service. Please note that if you are under 21 years old, you may face additional restrictions when obtaining credit cards due to federal regulations requiring proof of independent income or a co-signer. By using the Service, you represent and warrant that you meet this age requirement and have the legal capacity to enter into these Terms.

4. USER ACCOUNTS AND REGISTRATION

  • While reviews are published anonymously, we may require registration to submit reviews
  • You are responsible for maintaining the confidentiality of your account credentials
  • You agree to provide accurate, current, and complete information during registration
  • You are solely responsible for all activities under your account

5. ANONYMOUS REVIEWS AND CONTENT SUBMISSION

5.1 Anonymous Publication

  • All reviews are published without identifying information
  • Your identity will not be visible to other users or the public
  • We reserve the right to moderate and remove content that violates these Terms

5.2 Content Standards

You agree that all content you submit:

  • Must be truthful and based on your actual experience
  • Must not contain defamatory, libelous, or false statements
  • Must not violate any applicable laws or regulations
  • Must not contain personal attacks, harassment, or discriminatory language
  • Must not include spam, promotional content, or commercial solicitations
  • Must not infringe upon intellectual property rights of others

5.3 Prohibited Content

The following content is strictly prohibited:

  • Fake or fabricated reviews
  • Reviews submitted on behalf of third parties without disclosure
  • Content that violates privacy rights of individuals
  • Malicious or harmful content
  • Content that encourages illegal activities

6. CONTENT OWNERSHIP AND LICENSE

6.1 User Content

  • You retain ownership of the content you submit
  • By submitting content, you grant us a worldwide, non-exclusive, royalty-free license to use, display, reproduce, modify, and distribute your content in connection with the Service

6.2 Company Content

All other content on the Service, including design, text, graphics, and software, is owned by BNX Networks Inc and protected by intellectual property laws.

7. LEGAL COMPLIANCE AND DISCLOSURE

7.1 Identity Retention

  • While reviews are published anonymously, we retain identifying information in our database
  • This information may be disclosed if required by law, legal process, or to protect our rights

7.2 Legal Cooperation

We reserve the right to:

  • Cooperate with law enforcement agencies
  • Comply with court orders, subpoenas, and legal requests
  • Disclose user information when required by applicable law
  • Take action to protect our legal rights and interests

8. CONTENT MODERATION

We reserve the right, but are not obligated, to:

  • Review, monitor, and moderate all submitted content
  • Remove or modify content that violates these Terms
  • Suspend or terminate accounts for violations
  • Refuse service to any user

9. DISCLAIMERS

9.1 Service Availability

  • The Service is provided "as is" without warranties of any kind
  • We do not guarantee uninterrupted or error-free service
  • We reserve the right to modify or discontinue the Service at any time

9.2 Content Accuracy

  • We do not verify the accuracy of user-submitted reviews
  • Reviews represent individual opinions and experiences
  • We are not responsible for the content of user reviews

10. LIMITATION OF LIABILITY

To the fullest extent permitted by law:

  • BNX Networks Inc shall not be liable for any indirect, incidental, or consequential damages
  • Our total liability shall not exceed the amount paid by you for using the Service
  • We are not responsible for disputes between users and credit card companies

11. INDEMNIFICATION

You agree to indemnify and hold harmless BNX Networks Inc from any claims, damages, losses, or expenses arising from:

  • Your use of the Service
  • Your violation of these Terms
  • Your violation of applicable laws
  • Content you submit to the Service

12. TERMINATION

We may terminate or suspend your access immediately, without notice, for:

  • Violation of these Terms
  • Fraudulent or illegal activity
  • At our sole discretion for any reason

13. GOVERNING LAW

These Terms shall be governed by and construed in accordance with the laws of Illinois, United States, without regard to conflict of law principles.

14. DISPUTE RESOLUTION

Any disputes arising from these Terms or the Service shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association in Chicago, Illinois.

15. CHANGES TO TERMS

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting. Continued use of the Service constitutes acceptance of modified Terms.

16. SEVERABILITY

If any provision of these Terms is deemed invalid or unenforceable, the remaining provisions shall continue in full force and effect.

17. CONTACT INFORMATION

For questions about these Terms, please contact us at:

BNX Networks Inc
2135 Citygate Ln, Suite #300, Naperville, IL 60563, USA
Email: customerservice@bnxnetworks.com
Phone: +1-847-990-0525

By using our Service, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions.