Terms of Service

Last Updated: January 31, 2026

Welcome to TopOnlineBanks. By accessing and using this website, you accept and agree to be bound by these Terms of Service.

1. Use of Website

You may use this website for lawful purposes only. You agree not to:

• Violate any applicable laws or regulations
• Infringe on intellectual property rights
• Transmit harmful code or malware
• Attempt to gain unauthorized access to our systems
• Use automated systems to scrape or collect data

2. Informational Purposes Only

Important: The content on this website is for informational purposes only and does not constitute financial advice. We are not financial advisors, and you should not rely solely on our content for financial decisions.

You should:

• Conduct your own research
• Consult with qualified financial professionals
• Verify all information directly with banks
• Read all terms and conditions before opening accounts

3. Accuracy of Information

While we strive to provide accurate and up-to-date information, we cannot guarantee that all information is current or error-free. Interest rates, fees, and product features may change without notice.

We are not responsible for:

• Changes made by banks after our last update
• Errors or omissions in our content
• Decisions you make based on our information

4. Affiliate Relationships

We participate in affiliate programs with some banks featured on this website. We may earn a commission when you open an account through our links, at no additional cost to you.

Our affiliate relationships do not:

• Influence our editorial integrity
• Affect our ranking methodology
• Guarantee approval for any financial product

5. Third-Party Links

This website contains links to third-party websites (banks and financial institutions). We are not responsible for:

• The content on external websites
• Privacy practices of third parties
• Products or services offered by banks
• Account opening processes or requirements

6. Intellectual Property

All content on this website (text, graphics, logos, images, software) is the property of TopOnlineBanks or its licensors and is protected by copyright laws.

You may not:

• Reproduce content without permission
• Modify or create derivative works
• Use content for commercial purposes
• Remove copyright or proprietary notices

7. Disclaimer of Warranties

This website is provided "as is" without warranties of any kind, either express or implied. We do not warrant that:

• The website will be uninterrupted or error-free
• Defects will be corrected
• The website is free of viruses or harmful components
• Information is accurate, complete, or current

8. Limitation of Liability

To the fullest extent permitted by law, TopOnlineBanks shall not be liable for any:

• Direct, indirect, incidental, or consequential damages
• Loss of profits, data, or business opportunities
• Financial losses resulting from your use of this website
• Decisions made based on information provided

9. Indemnification

You agree to indemnify and hold harmless TopOnlineBanks from any claims, damages, or expenses arising from your use of this website or violation of these Terms.

10. Changes to Terms

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

11. Governing Law

These Terms are governed by the laws of the United States. Any disputes shall be resolved in applicable courts.

12. Contact

If you have questions about these Terms, please contact us:

Email: hello@toponlinebanks.com