Last Update: 2/8/2024
General Collection and Use of Information
We collect Personal Information:
- From you directly, when you:
- opt in to receiving SMS and email alerts, we collect your first name, last name, phone number and email address;
- use the site, your geographic location;
- complete surveys and/or respond to offers
- contact us via email, mail or telephone.
- opt in or out of to push notifications
- From your internet browser:
- type of device, browser and operating system version you use.
- Analytics software installed on our Site such as:
- demographic information such as IP address;
- preferences and interests
What we do with the information we gather
We require this information to understand your needs and provide you with a better service, and in particular for the following reasons:
the information you provide directly:
- internal record keeping;
- to periodically send promotional text messages containing information which we think you may find interesting using the phone number which you have provided;
- for our general marketing purposes unless you have notified us to the contrary
- to improve our products and services;
- to optimize the user interface and user experience;
- for security purposes to protect your Personal Information held and/or processed by us;
- to prevent, investigate or prosecute activity we think may be potentially illegal, unlawful or harmful; and,
We may also disclose personal information about you when:
- We are required to do so by law, such as when we are subpoenaed
- We have reason to believe that doing so is necessary for the protection of our rights, to protect your safety or the safety of others, to respond to a request from the government or to investigate alleged or factual fraud.
- We are involved in a merger, sale or acquisition of our company or assets.
- You have provided your consent to give your information to other third parties.
Security, retention and storage of Personal Information
We are committed to ensuring that your Personal Information is secure. In order to prevent loss, theft and unauthorized access, copying, use, modification or disclosure, we have put in place physical, electronic and managerial procedures to safeguard and help secure the Personal Information we collect. All of our employees and subcontractors with access to your Personal Information and/or who are associated with the processing of that data are contractually obliged to protect your Personal Information. Our safeguards include firewalls, encryption technology, password protected computers and detailed contracts with our employees and contractors.
We retain your Personal Information for as long as necessary to fulfill the purpose(s) for which it was collected and to comply with applicable laws. Your consent to such purposes(s) remains valid after termination of our relationship with you.
CCPA – Notice to California Residents
California consumers, use this link
Consent to SMS, Text & Push Notifications
When you submit your information to us, your name and contact information, such as email address and phone number, are automatically added to our contact list. By providing such information, you are agreeing to receive communications from us via telephone, email or text message unless you choose to opt out of one or all of these communication methods. You will only receive these contacts from us for as long as you agree to them.
A cookie is a bit of data that is placed on your computer by a website for tracking purposes. Essentially, the website can send information to your computer and your computer can send information back to the website via this cookie. This information is exchanged for the purposes of authentication, user session identification, user preferences, saving login information and some additional website optimization designed to improve the user experience. You have the right to reject cookies from our website, but if you choose to do so, you may not have access to the full range of products, services, and features we provide. Sometimes, cookies may be used to track and target your interests. In this case, your personal information may be tied to these cookies. However, all of the above rights regarding opt-out, unsubscribe, and the right to delete information still apply.
Links to other websites and advertisers
Underage Users and Children’s Privacy
Protecting the privacy of children is especially important. For this reason, we do not knowingly collect or maintain personal information at our website from individuals under the age of 18 years old. In the event that information is inadvertently collected from children, it will not knowingly be used for any purpose whatsoever, either inside or outside of our website. Should we obtain actual knowledge that such information has been collected, that information will be immediately deleted from our database. The information and services provided by us and advertisers are not intended for persons under 18 years old.
If at any time you wish to opt out from receiving communications from Nichehacks, please email [email protected] or please use the unsubscribe link/instructions found on any email or sms communications from https://nichehacks.com/, or use the unsubscribe feature here: https://nichehacks.com/unsubscribe.
Update or Correct Your Information
Notifications of Changes
Your use of the Website shall be deemed to constitute your consent to be bound by this Agreement and shall be enforceable in the same way as if you had signed this Agreement. IF YOU DO NOT AGREE TO BE BOUND BY THIS AGREEMENT, PLEASE DO NOT USE THE WEBSITE.
Nichehacks is an aggregator of financial information and offers. We provide free information and content to consumers on financial products, including bank accounts, mortgages, credit cards, automobile loans, money market accounts, certificates of deposit, banking and ATM fees, home equity loans, student loans and investment vehicles. We are not financial advisors. You are responsible for your financial decisions. We do not endorse or recommend the products or services of any Service Provider, and are not an agent or advisor to you or any Service Provider.
THIS AGREEMENT INCLUDES A MANDATORY ARBITRATION AGREEMENT, WHICH MEANS THAT YOU AGREE TO SUBMIT ANY CLAIM TO BINDING INDIVIDUAL ARBITRATION RATHER THAN PROCEEDING IN COURT. THE ARBITRATION AGREEMENT ALSO INCLUDES A CLASS ACTION WAIVER, WHICH MEANS THAT YOU AGREE TO PROCEED WITH ANY CLAIM INDIVIDUALLY AND NOT AS PART OF A CLASS ACTION.
In order to use the Website, you must be (a) 18 years or older and have the power to enter into a binding contract with us and not be barred from doing so under any applicable laws. The Website is not intended for people under the age of 18 and no person under the age of 18 may use the Website. If you use the Website, you are affirming that you are at least 18 years old.
You must only use the Website for lawful purposes, and you must not use it in a way that infringes the rights of anyone else or that restricts or inhibits anyone else’s enjoyment of the Website. You may not without our prior written consent:
i. copy, reproduce, rent, lease, loan or sell content retrieved from the Website;
ii. modify, distribute, or re-post any content on the Website for any purpose; or
iii. use the content of the Website for any commercial exploitation whatsoever.
In using the Website, you further agree:
i. not to disrupt or interfere with the security of, or otherwise abuse, the Website, or any services, system resources, accounts, servers, or networks connected to or accessible through the Website or an affiliated or linked Website;
ii. not to disrupt or interfere with any other user’s enjoyment of the Website or affiliated or linked Website;
iii. not to upload, post, or otherwise transmit through or on the Website any viruses or other harmful, disruptive, or destructive files;
iv. not to use, frame, or utilize framing techniques to enclose any Nichehacks trademark, logo, or other proprietary information (including the images found on the Website, the content of any text, or the layout/design of any page or form contained on a Website page) without Nichehack’s express written consent;
v. not to reverse engineer, or create derivative works based on the Website or any content (including, without limitation, any software) available through the Website.
vi. not to use meta tags or any other “hidden text” utilizing a Nichehacks name or product name without Nichehacks’s express written consent;
vii. not to deeplink to the Website without Nichehacks’s express written consent;
viii. not to create or use a false identity on the Website, share your account information, or allow any person besides yourself to use your account to access the Website;
ix. not to collect or store personal data about others;
x. not to attempt to obtain unauthorized access to the Website or portions of the Website that are restricted from general access;
xi. not to post any material that is knowingly false and/or defamatory, inaccurate, abusive, vulgar, hateful, harassing, obscene, profane, sexually oriented, threatening, invasive of a person’s privacy, or is otherwise in violation of any law. You further agree not to post any copyrighted material unless the copyright is owned by you; and
xii. to comply with all applicable laws regarding your use of the Website
Protection of Intellectual Property Rights and License
You acknowledge that content available through the Website, including, without limitation, content in the form of text, graphics, software, music, sound, photographs, and videos, and content provided by suppliers, sponsors, or third-party advertisers (“Intellectual Property Rights”), is protected by copyright, trademarks, patents, or other proprietary rights and laws. You are hereby granted a non-exclusive, non-transferable, revocable, limited license to view, copy and print content retrieved from the Website for the sole purpose of using or placing an order via the Website, provided that you do not remove or obscure the copyright notice or other notices displayed on the content. Except as expressly provided in this Agreement, nothing contained in this Agreement or on the Website shall be construed as conferring any other license or right, expressly, by implication, by estoppel, or otherwise under any of Nichehacks’s or a third party’s Intellectual Property Rights. Any rights not expressly granted herein are reserved.
Disclaimer Regarding Information Provided on the Website
THE INFORMATION (INCLUDING, WITHOUT LIMITATION, ADVICE AND RECOMMENDATIONS) ON THE WEBSITE IS NOT INTENDED AS FINANCIAL ADVICE. IT IS ALSO NOT INTENDED AS A SUBSTITUTE FOR PROFESSIONAL ADVICE AND SERVICES FROM A QUALIFIED FINANCIAL PROVIDER FAMILIAR WITH YOUR UNIQUE FACTS.
NICHEHACKS AND ITS AGENTS ASSUME NO RESPONSIBILITY FOR ANY CONSEQUENCE RELATING DIRECTLY OR INDIRECTLY TO ANY ACTION OR INACTION YOU TAKE BASED ON THE INFORMATION, SERVICES, OR OTHER MATERIAL ON THE WEBSITE. WHILE NICHEHACKS STRIVES TO KEEP THE INFORMATION ON THE WEBSITE ACCURATE, COMPLETE, AND UP-TO-DATE, NICHEHACKS CANNOT GUARANTEE, AND WILL NOT BE RESPONSIBLE FOR, ANY DAMAGE OR LOSS RELATED TO THE ACCURACY, COMPLETENESS, OR TIMELINESS OF THE INFORMATION ON THE WEBSITE.
ANY QUIZZES AND QUIZ RESULTS ARE FOR ENTERTAINMENT PURPOSES ONLY. QUIZ RESULTS DO NOT PROVIDE FINANCIAL ADVICE AND ARE NOT DESIGNED TO OFFER OR MARKET ANY SPECIFIC PRODUCT OR SERVICE.
You Are Responsible for Your Financial Decisions
We and our affiliates, through the Services, may provide a venue through which you can obtain information and you can find third-party service providers, such as lenders, banks, financial institutions, credit card providers, mortgage brokers, insurance brokers, insurance agents, discount program representatives and other insurance professionals (“Service Providers”). We do not endorse or recommend the products or services of any Service Provider, and are not an agent or advisor to you or any Service Provider. We do not validate or investigate the licensing, certification or other requirements and qualifications of Service Providers. It is your responsibility to investigate Service Providers. You acknowledge and agree that Service Providers are solely responsible for any services that they may provide to you and that we are not liable for any losses, costs, damages or claims in connection with, arising from, or related to, your use of a Service Provider’s products or services. We urge you to obtain the advice of financial advisors, insurance agents, brokers or other qualified professionals who are fully aware of your individual circumstances before you make any financial or insurance decisions. You acknowledge and agree that you rely on your own judgment and that of such advisors in selecting any products or services offered by Service Providers.
You Acknowledge and Agree that We are Not a Service Provider
We are not a financial institution, insurance provider or other Service Provider. Instead, we, through our Services, may help to connect you with Service Providers that might meet your needs based on information provided by you. We do not, and will not, make any coverage or credit decision with any Service Provider referred to you. We do not issue mortgages, credit cards, insurance coverage or any other financial products.
No Guarantee of Quotes, Fees, Terms, Rates, Coverage or Services
We do not make any warranties or representations regarding the quotes, fees, terms, rates, coverage or services offered or made available by Service Providers. We do not guarantee that quotes, fees, terms, rates, coverage or services offered by Service Providers are the best available.
You Do Not Pay Fees to Us
Unless you are a Service Provider or order a specific service through our Services, we do not charge you a fee to use our Services. Service Providers may pay us fees for services and to be matched with users of our Services, however. We are not involved with and are not responsible for any fee arrangement that you may enter into with any Service Provider. You acknowledge and agree to this compensation arrangement. You hereby release us of any and all losses, costs, damages or claims in connection with, arising from or related to your use of a Service Provider’s products or services, including any fees charged by a Service Provider.
Disclaimer of Warranties With Respect to Use of the Website
THE WEBSITE IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. EXCEPT AS SPECIFICALLY PROVIDED HEREIN, TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, NICHEHACKS EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, ANY WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT. NICHEHACKS DOES NOT MAKE ANY WARRANTY THAT THE WEBSITE WILL MEET YOUR REQUIREMENTS, OR THAT ACCESS TO THE WEBSITE WILL BE UNINTERRUPTED, TIMELY, SECURE OR ERROR-FREE, OR THAT DEFECTS, IF ANY, WILL BE CORRECTED. NICHEHACKS MAKES NO WARRANTIES AS TO THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE WEBSITE OR AS TO THE ACCURACY, QUALITY, OR RELIABILITY OF ANY INFORMATION OBTAINED THROUGH THE WEBSITE.
YOU UNDERSTAND AND AGREE THAT ANY MATERIAL AND/OR DATA DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE WEBSITE IS USED AT YOUR OWN RISK AND THAT YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF SUCH MATERIAL AND/OR DATA.
NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM NICHEHACKS OR THROUGH THE WEBSITE SHALL CREATE ANY WARRANTY NOT EXPRESSLY MADE HEREIN.
Links to Other Websites That Nichehacks Does Not Control
Communications with Nichehacks
You verify that any contact information provided to Nichehacks, including, but not limited to, your mailing address, shipping address, e-mail address, residential phone number, and mobile phone number is true and accurate. You further verify that you are the telephone subscriber and/or that you own any telephone numbers that you provide to Nichehacks.
You consent to receive text messages by or on behalf of Nichehacks, relating to this Agreement and promotions regarding Nichehacks products.
Nichehacks may obtain, and you expressly agree to be contacted at, e-mail addresses, mailing or shipping addresses and phone numbers provided by you directly or obtained through other lawful means.
Limitation on Nichehacks’s Liability
YOU EXPRESSLY UNDERSTAND AND AGREE THAT UNDER NO CIRCUMSTANCES WILL NICHEHACKS, ITS SUPPLIERS, PARENTS, SUBSIDIARIES, REPRESENTATIVES, AFFILIATES OR AGENTS BE LIABLE FOR INDIRECT, SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGES. THIS INCLUDES WITHOUT LIMITATION, ANY LOSS OF USE, LOSS OF PROFITS, LOSS OF DATA, LOSS OF GOODWILL, COST OF PROCUREMENT OF SUBSTITUTE SERVICES, OR ANY OTHER INDIRECT, SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGES. THIS APPLIES REGARDLESS OF THE MANNER IN WHICH DAMAGES ARE CAUSED, AND ON ANY THEORY OF LIABILITY, WHETHER FOR BREACH OF CONTRACT, TORT (INCLUDING NEGLIGENCE AND STRICT LIABILITY) OR OTHERWISE RESULTING FROM (1) THE USE OF, OR THE INABILITY TO USE, THE WEBSITE; (2) THE USE OF, OR THE INABILITY TO USE, ITEMS PURCHASED ON THE WEBSITE; OR (3) THE COST OF PROCUREMENT OF SUBSTITUTE SERVICES OR ITEMS.
You agree to indemnify and hold harmless Nichehacks, its directors, officers, employees, agents, co-branders, suppliers, subsidiaries, parents, and affiliates, from and against any and all liability, losses, claims, demands, disputes, damages, and costs of any kind, including, without limitation, reasonable attorneys’ fees and costs of litigation resulting from or in any way connected with (i) your use of the Website; (ii) information you submit or transmit through the Website; (iii) privacy, tort or other claims (e.g., claims under the Federal Telephone Consumer Protection Act or its state law equivalent) relating to the provision of personal information (e.g., telephone number) to Nichehacks that is not owned by you, in contravention of this Agreement; and/or (iv) your breach of this Agreement.
Mandatory Binding Arbitration
Class Action Waiver
ANY PROCEEDINGS TO RESOLVE, ARBITRATE OR LITIGATE ANY DISPUTE IN ANY FORUM WILL BE CONDUCTED SOLELY ON A CASE-BY-CASE BASIS. NEITHER YOU NOR US WILL SEEK TO HAVE A DISPUTE HEARD AS A CLASS ACTION, OR A PRIVATE ATTORNEY GENERAL ACTION, OR IN ANY OTHER PROCEEDING IN WHICH EITHER PARTY WILL ACT OR PROPOSES TO ACT IN A REPRESENTATIVE CAPACITY. NO PROCEEDING OR ARBITRATION WILL BE COMBINED WITH ANOTHER WITHOUT THE PRIOR WRITTEN CONSENT OF ALL THE PARTIES TO ALL AFFECTED PROCEEDINGS OR ARBITRATIONS. FURTHERMORE, YOU AGREE YOU WILL NOT SEEK TO HAVE ANY DISPUTE AGAINST ANY LENDER TO WHOM YOU ARE REFERRED ON TO HEARD AS A CLASS ACTION, OR A PRIVATE ATTORNEY GENERAL ACTION, OR IN ANY OTHER PROCEEDING IN WHICH EITHER PARTY WILL ACT OR PROPOSES TO ACT IN A REPRESENTATIVE CAPACITY. THIS CLASS ACTION WAIVER MAY BE LIMITED BY APPLICABLE LAW, BUT IT IS INTENDED TO BE ENFORCED TO THE FULL EXTENT PERMITTED BY LAW.
Termination of Website
You agree that Nichehacks may, in its sole discretion, and at any time, terminate or suspend its operation of the Website or your use of the Website, without prior notice to you, for any reason that Nichehacks, in its sole discretion, deems appropriate. You further agree that Nichehacks will not be liable to you or to any third party for the consequences of such termination or suspension. In the event of any termination of your use of or access to the Website, you agree that the provisions of the Agreement regarding protection of intellectual property rights and license, indemnification, disclaimer regarding information provided on the website, disclaimer of warranties with respect to use of the website, limitation on Nichehacks’s liability, and pre-dispute, mandatory binding arbitration, and class action waiver shall survive any such termination.
Remedies for Nichehacks
In order to avoid irreparable injury to Nichehacks, in the event of any breach or threatened breach by you of the provisions of this Agreement, we shall be entitled to seek an injunction and/or other equitable relief restraining such breach. Nothing in this Agreement shall be construed as prohibiting Nichehacks from pursuing any other remedies available to it for such breach or threatened breach, including the recovery of monetary damages from you.
Modifications to the Agreement