Terms of Use

Last Updated: December 21, 2025

1. Acceptance of Terms

By accessing and using Over Optimized ("the Site"), you agree to be bound by these Terms of Use. If you do not agree to these terms, please do not use the Site.

2. Informational Purposes Only

The content on this Site is for informational and educational purposes only. Over Optimized is not a financial advisor, and the content should not be considered professional financial, investment, or legal advice. You should consult a qualified professional before making any major financial decisions.

3. No Guarantees

We make no guarantees regarding:

• The accuracy, completeness, or timeliness of information on this Site
• The availability or performance of any products or services mentioned
• The results you may achieve by following any strategies discussed

Credit card offers, interest rates, and terms are subject to change by the issuing banks at any time.

4. Intellectual Property

All content on this Site—including text, graphics, code snippets, diagrams, and design—is the property of Over Optimized unless otherwise noted.

License

Unless otherwise stated, content on this Site is licensed under the Creative Commons Attribution-NonCommercial-NoDerivatives 4.0 International License (CC BY-NC-ND 4.0).

This means you are free to:

• Share — copy and redistribute the material in any medium or format for non-commercial purposes

Under the following terms:

• Attribution — You must give appropriate credit, provide a link to the license, and indicate if changes were made
• NonCommercial — You may not use the material for commercial purposes
• NoDerivatives — If you remix, transform, or build upon the material, you may not distribute the modified material

You May Not:

• Use this content for commercial purposes without permission
• Modify, adapt, or create derivative works from this content
• Scrape, crawl, or systematically download content from this Site
• Use our content to train AI models or machine learning systems
• Remove or alter any copyright or license notices

5. User Conduct

When using this Site, you agree not to:

• Attempt to gain unauthorized access to any part of the Site
• Use automated tools to scrape or download content
• Interfere with the Site's functionality or security
• Use the Site for any unlawful purpose

6. Third-Party Links

The Site contains links to third-party websites and services. We are not responsible for:

• The content, accuracy, or practices of linked sites
• Any products or services offered by third parties
• Any transactions you conduct with third parties

Clicking affiliate links may result in cookies being placed on your device by third parties.

7. Limitation of Liability

To the fullest extent permitted by law, Over Optimized shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Site or reliance on any information provided.

8. Changes to Terms

We reserve the right to modify these Terms at any time. Changes will be effective when posted. Your continued use of the Site after changes constitutes acceptance of the updated Terms.

9. Governing Law

These Terms shall be governed by the laws of the United States. Any disputes shall be resolved in accordance with applicable law.

10. Contact

If you have questions about these Terms, please contact us through overoptimized.com.