These Terms of Use (“Terms”) govern your access to and use of the website at giftcardmallbalance.com operated by GiftCardMallBalance (“GiftCardMallBalance”, “we”, “our”). By accessing or using the site you agree to be bound by these Terms. If you do not agree, do not use the site.
1. Nature of the site
GiftCardMallBalance is an independent consumer education resource. We are not affiliated with, endorsed by, or sponsored by GiftCardMall, MyGift, Blackhawk Network, Visa, Mastercard, American Express, Discover, or any other card issuer, network, or program. We do not issue, sell, activate, redeem, or administer gift cards. We do not process transactions or hold cardholder funds. Any references to third-party brands are nominative and used solely for identification and informational context.
2. Permitted use
You may access and use the site for personal, non-commercial educational purposes. You agree to use the site lawfully and in a manner that does not infringe the rights of others, restrict the use of the site by others, or interfere with the operation of the site.
You agree not to: (a) attempt to gain unauthorized access to any portion of the site or any server or network associated with it; (b) use any automated means (bots, scrapers, spiders) to access the site without our prior written consent, except for legitimate search engine indexing; (c) reproduce, duplicate, copy, or resell any portion of the site for commercial purposes; (d) introduce viruses or other malicious code; or (e) use the site to transmit unsolicited messages or harass others.
3. Intellectual property
All editorial content, layouts, design elements, illustrations, and source code on this site, except where attributed to a third party, are the property of GiftCardMallBalance or its licensors and are protected by US and international copyright laws. You may share short excerpts with attribution and a link to the source page on this site. Any other reuse requires prior written permission.
Third-party trademarks, logos, and brand names referenced on this site (including but not limited to GiftCardMall®, MyGift®, Visa®, Mastercard®) are the property of their respective owners. Their use does not imply any partnership, sponsorship, or endorsement.
4. Informational disclaimer
Content on this site is provided for general informational and educational purposes only. It is not legal, financial, or tax advice, and should not be relied on as a substitute for advice from a qualified professional. While we make reasonable efforts to ensure accuracy and to cite primary regulatory sources, laws and program terms can change. Always confirm current details with the official issuer of your card or with the relevant government agency before making decisions.
We do not guarantee that the site will be available without interruption, that information will be free of errors, or that any content will be appropriate for your particular situation.
5. Limitation of liability
To the maximum extent permitted by applicable law, GiftCardMallBalance, its operators, contributors, and affiliates shall not be liable for any direct, indirect, incidental, consequential, special, or punitive damages, including but not limited to loss of profits, loss of data, or loss of goodwill, arising from or related to your use of, or inability to use, the site or any content on the site, even if advised of the possibility of such damages.
6. Indemnification
You agree to indemnify, defend, and hold harmless GiftCardMallBalance and its operators from and against any claims, liabilities, damages, losses, and expenses, including reasonable legal fees, arising out of or in connection with your violation of these Terms, your misuse of the site, or your violation of any rights of a third party.
7. External links
The site may contain links to external websites for reference, such as government agencies and primary regulatory sources. We do not control those external sites and are not responsible for their content, availability, or practices. The inclusion of a link does not imply endorsement.
8. Governing law and venue
These Terms are governed by the laws of the State of Colorado, United States, without regard to its conflict-of-laws principles. Any dispute arising out of or in connection with these Terms or your use of the site shall be brought exclusively in the state or federal courts located in Colorado, and you consent to the personal jurisdiction of those courts.
9. Changes to these Terms
We may revise these Terms from time to time. The “Last updated” date at the top of this page reflects the most recent revision. Material changes take effect when posted. Your continued use of the site after changes are posted constitutes acceptance of the revised Terms.
10. Severability
If any provision of these Terms is found by a court of competent jurisdiction to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.
11. Contact
Questions about these Terms can be sent to hello@giftcardmallbalance.com.