User Agreement: Terms and Conditions

The Terms of Service («Terms») outlined below form a legally binding agreement between you («user» or «you») and Interactive Online Technologies («Company», «us», or «our»), stipulating the conditions under which you may utilize our website and the Services provided therein.

These Terms incorporate our Privacy Policy, collectively referred to as the «Terms».

Before accessing or utilizing our website and Services, please take the time to thoroughly read and understand the «Terms».

For any inquiries regarding these Terms of Service, please contact us at Interactive Online Technologies Inc., 1565 So Hwy. 150 Suite F Evanston, Wyoming 82930; via our Contact Us form located in the footer of each page on our websites; or by sending an email to contact@InteractiveOnlineTechnologies.com.

Amendments to the Terms

We may update or revise these Terms of Service from time to time at our discretion. We recommend that you check this page regularly.

Any changes will take effect immediately upon the revised version being posted.

The latest version of the Terms is always available on the website, with the updated date indicated by the “Last Revised” heading.

Your continued use of the website after the terms are updated means you accept these changes and agree to be bound by the new terms.

In the event of significant changes, we will make reasonable efforts to provide written notification.

Acceptance of the Terms

By accessing/using our websites or the Services, you represent that you have read, understood, and accepted these Terms of Service.

Your use of the Service signifies your agreement to follow these Terms and obey all applicable laws and regulations.

These Terms of Service constitute a binding and enforceable legal contract between you and us.

IF YOU DO NOT FULLY CONCUR WITH ALL ASPECTS OF THESE TERMS, PLEASE REFRAIN FROM ACCESSING THE WEBSITE OR UTILIZING THE SERVICES IN ANY CAPACITY.

Eligibility and Age Requirements

You affirm that you are qualified to accept these Terms of Service and that you are under no prohibition from any authorized authority, judicial order, or law that would prevent you from entering into any agreement.

If acting on behalf of a corporation, you possess all necessary authorizations to enter into these Terms.

In addition, you affirm you are eighteen (18) or older and possess the legal capacity to enter into these Terms.

Note that certain websites are exclusively for individuals 21 years of age or older, as indicated in their footers.

We reserve the right to verify your age at any time against applicable age restrictions.

Scope of Services

Our website provides comprehensive information, comparison tables, and resources about “Third Party Services.”

These include various goods, services, and products of interest owned or operated by our third-party partners.

We provide relevant information, comparison charts, User Generated Content (UGC), third-party offers, links to Third Party Services websites, webpages, and content, Users Score, as well as articles, blogs, and opinions contributed by us, you, other users, or third-party reviewers.

The term “Content” covers various elements including text, logos, phone numbers, button icons, images, data compilations, documents, descriptions, software, code, designs, links, data, graphics, and other features.

Collectively, the Content and the website are referred to as the «Services».

The Services are exclusively owned and developed by us.

Based on our internal criteria and methodology, we review and evaluate information to identify and present the Third-Party Services we consider most highly rated.

In some cases, we may display our reviews alongside user reviews.

The Services are solely for information and editorial purposes and might feature Content you find unpleasant.

Please be aware that our comparison does not cover every Third-Party Service available.

We don’t endorse or provide support for user-submitted content on the site.

The Content may include articles and reviews about products or services, written by our content writing team or other reviewers we collaborate with.

This content (articles and reviews) serves an informational role only, derived from the writer’s individual experience and perspective.

Under no circumstances should these articles or reviews be construed as personal or expert advice.

To determine their applicability to your needs, it is your sole responsibility to thoroughly examine each offer’s features and terms.

Our Services are provided to you at no cost. We offer a top-quality service at no cost to our users, thanks to advertising revenue from prominent brands collected when users complete purchases.

Please consult our How We Rate policy for a deeper understanding of our practices.

Utilizing the Website and Services

The Services are exclusively for your personal, non-commercial purposes. You commit to using the Services in accordance with the stipulations outlined in the Terms.

You are held accountable for any User-Generated Content (UGC) you contribute to the website, as well as for any actions that may be deemed a violation of these Terms.

Refrain from utilizing the Services in a manner that could disrupt other users’ experience on the website.

We retain the prerogative to scrutinize any alleged infractions of these Terms and to report them to law enforcement agencies.

Additionally, we may restrict your access to the Services for various reasons or even terminate it at our discretion.

We have the autonomy to accept, reject, display, or transmit any Content you submit to the website, at any time and according to our judgment.

We assume no responsibility for storing or preserving any submitted Content and cannot be held liable for any failures in doing so.

Furthermore, you agree to abstain, either directly or indirectly, from:

(i) copying, modifying, adapting, disassembling, translating, decompiling, reverse engineering, creating derivative works, circumventing, or hacking the Services, or gaining unauthorized access to the Services or related systems and networks;
(ii) sublicensing, reselling, renting, leasing, assigning, transferring any rights, sharing, broadcasting, or otherwise commercially exploiting or making the Services available to any third party;
(iii) using the Services for fraudulent or unlawful purposes;
(iv) asserting any proprietary rights over the Services, or removing, obscuring, or altering any proprietary rights notices or disclaimers appearing in the Services;
(v) using, accessing, or attempting to access the Service through automated means;
(vi) using the Company’s name, logo, or trademarks without prior written consent;
(vii) extracting, collecting, or storing personal data about other users without their explicit permission.

ANY USE OF THE SERVICES NOT SPECIFICALLY ALLOWED UNDER THESE TERMS IS EXPRESSLY FORBIDDEN.

User Accounts

Certain websites we operate allow you to create a User Account. By doing so, you will be able to review and rate various Third-Party Services based on your own experiences.

We may aggregate each User’s review with those of other users to calculate an average overall Users’ score (Users Score).

When registering for a User Account, we may request specific identifying information from you, such as your name, email address, username, password, and more.

By creating a User Account, you affirm that the information you provide is true, accurate, and complete.

You also agree not to impersonate anyone else, use false information, or misrepresent your identity in any way.

You are solely responsible for maintaining the confidentiality and security of your password and other account information.

If you suspect that your account has been compromised, please contact us immediately at contact@InteractiveOnlineTechnologies.com.

Third-Party Services, Websites, and Links

Third-Party Services may include links to these third parties’ websites or other digital assets, as well as contact information (e.g., phone numbers) to facilitate your interaction with them.

Additionally, they may offer features that allow you to provide us with your contact details and information about the services you are interested in, enabling us to forward your information to the Third-Party Services’ operator we believe can meet your needs.

Such links or phone numbers may be posted by us, you, other users, or other third parties. It is important for you to understand and accept the following points:

(i) we cannot ensure uninterrupted access to, recording of, listening to, or viewing of any specific Third Party Services, nor can we guarantee that any operator of these services will contact you;
(ii) we do not own, control, or assume responsibility for any Third Party Services, and we have no editorial or programming influence over their content or offers;
(iii) the owners or licensors of Third Party Services have the right to modify or delete their websites, content, services, or offer terms (such as pricing and features) at any time;
(iv) when you access Third Party Services, contact them via phone or other means, provide us with your contact details for sharing with third parties through any forms we provide, or interact with these services in any way, you will be subject to their terms of service and privacy policies, which can be found on their respective websites. This includes their customer service practices, telemarketing, and sales approaches.

Please note that the decision to contact you, provide a service, or determine the type of service offered lies solely with the operator of the Third Party Services.

It is crucial for you to thoroughly review the applicable terms and policies of Third Party Services to ensure that you are interested in and eligible to use their services, and to comply with any applicable requirements and restrictions (for example, residents of certain countries may be prohibited from using some Third Party Services).

You may encounter content related to Third Party Services that is inaccurate, offensive, indecent, or objectionable. Ultimately, the choice to access, view, or interact with such services is yours.

Any interaction with Third Party Services (including by phone or other means) and your use of, and reliance upon, any content or information provided by them (including content provided through our website) is at your sole discretion and risk.

We emphasize that we are not responsible or liable, directly or indirectly, for any loss or damage resulting from your use of or reliance on any content or Third Party Services, or your interaction with third parties, which is entirely at your discretion and risk.

Any engagement will be solely between you and the applicable third party.

Furthermore, if you choose to provide us with your contact details to be contacted by third parties regarding their services and receive quotes and offers, you acknowledge and agree that these third parties may contact you, subject to their discretion, including by automated means, even if your number is listed on any federal, state, or other “Do not call” list.

Providing your contact information is not a condition of purchase. We will handle your information as outlined in our Privacy Policy, but once shared, it will be subject to the policies and marketing practices of the applicable third parties, which we do not monitor or control.

You agree to share with us only the information for which you have obtained the necessary consent and authorization.

User-Generated Content (UGC)

UGC encompasses a diverse range of media content created, submitted, and uploaded by you and other users, distinct from content produced by us.

This includes, but is not limited to, images, comments, posts, texts, icons, links, user reviews, opinions, and feedback.

By submitting UGC, you confirm that you possess all the necessary rights, power, and authority to do so, and that your UGC will not:

(i) violate any applicable laws;
(ii) contain unlawful content, such as hate speech, incitations to violence, terrorism, racism, defamation, adult content, pornography, references to alcohol or illegal drugs;
(iii) infringe upon copyrighted material, trade secrets, or third-party intellectual property rights, nor violate privacy rights or endanger individuals’ safety or health;
(iv) constitute unfair or deceptive practices under consumer protection laws, or unauthorized commercial communications like advertising, spam, incentivized promotions of any service or product;
(v) be generated by fake or unidentified users. By submitting, posting, or displaying user-generated content (UGC) through our Services, you provide us with a global, non-exclusive, royalty-free, and transferable license, including the right to sublicense. This license allows us to view, utilize, exhibit, replicate, distribute, create derivative works from, and make publicly available any portion of the UGC, without limitation, for promoting and redistributing part or all of the Service in any media format.

Additionally, you grant each user of the Service a worldwide, non-exclusive, royalty-free license to access your UGC through the Service.

This includes the right to download, use, reproduce, distribute, create derivative works from, and display your UGC, to the extent permitted by the functionality of the Service and these Terms.

We retain the sole and absolute right and discretion to determine whether to publish any UGC.

We may, without prior notice, monitor, censor, edit, remove, or delete any and all UGC at any time and for any reason, or no reason at all.

If we believe, in our sole discretion, that the UGC provided by you violates any of the aforementioned conditions, we may restrict your access or use of the Services.

Despite the measures outlined above, we are under no obligation to monitor the UGC.

Consequently, we assume no responsibility or liability for UGC that you may find inaccurate, offensive, indecent, or objectionable.

User Feedback, Rewards, and Promotions

Our platform enables users to articulate their insights, experiences, and appraisals concerning Third-Party Services through comprehensive reviews (hereafter “Review”).

We reserve the right to assess each Review submitted and determine its publication, guided solely by our judgment.

Periodically, we may extend rewards such as prizes, coupons, or gift cards to users who contribute a Review or engage with our surveys (collectively “Prize”).

The criteria, value, and terms of these Prizes are subject to change. Notification of eligibility for a Prize will be communicated via email, and Prizes will be awarded exclusively to identifiable users.

Our decisions regarding Reviews and Prizes are final, and we do not entertain correspondence on these matters.

Copyrighted Information and Content Policy

Users must refrain from posting or submitting any proprietary information protected by copyright or trademark laws.

Upon receiving allegations of copyright or trademark infringement, we will conduct a thorough investigation and remove the alleged infringing content if an infringement is confirmed.

If you are a copyright owner or authorized representative and believe that any Content or User-Generated Content (UGC) on our website violates your intellectual property rights, please notify us at contact@InteractiveOnlineTechnologies.com or through our Contact Us form, located in the footer of each page (hereafter “Notice”). When submitting a Notice, please include the following:

(i) Identify the copyrighted work or material you claim has been infringed, along with sufficient information to locate and verify its existence, including its location, applicable URL(s), and screenshots. For multiple works, provide a list.
(ii) Provide your contact information: name, mailing address, telephone number, and email address.
(iii) Include the following statements in the Notice:

“I hereby assert that I have a genuine belief that the contested use of the copyrighted material, or reference/link to such material, is not authorized by the copyright owner, their agent, or the law (e.g., as fair use).

Furthermore, I affirm that the information in this Notice is accurate, and under penalty of perjury, I am the owner or authorized to act on behalf of the owner of the copyright or an exclusive right under the copyright that is allegedly infringed.”

Before submitting a Notice, carefully consider whether fair use, fair dealing, or similar exceptions to copyright apply. Submitting a Notice initiates a legal process, so avoid making false claims.

We will respond in a reasonable time to reported claims of copyright infringement committed via the website.

Intellectual Properties

The Service and its Content are safeguarded by international copyright and intellectual property laws. They are licensed to us or our affiliates, licensors, partners, or other third parties.

Except as explicitly granted in these Terms, we retain all rights, title, ownership, and interest in the Service and Content (excluding UGC and Third-Party Services but including Users’ Reviews), copyrights, trademarks, product names, trade names, and any content provided in connection with the Service, to the fullest extent permissible under applicable law.

We reserve all rights not expressly granted herein.

How We Rate and Advertising Disclosure

We receive advertising fees from the brands and service providers featured in our Third-Party Service reviews.

These fees, combined with our criteria and internal methodology—including conversion rates, reviewer findings, subjective experience, and product popularity—influence the placement of Third-Party Services within comparison tables.

Ratings or scores, if assigned, are based on position in the comparison table or according to a specified formula.

The reviews, ratings, and scores are provided “as-is,” and we disclaim all expressed guarantees and warranties regarding the marketability, suitability, incompleteness, applicability, or relevance of the information presented.

While we strive to provide the most precise and reliable information, it is essential to recognize that the terms and conditions of Third Party Services can be subject to alteration at any given moment, entirely at the discretion of the respective service providers.

Our platform does not encompass a comprehensive listing of all available services or providers within the market; rather, we curate and present a selection of what we deem to be the highest-rated Third Party Services along with pertinent information that aligns with our criteria.

For further details regarding our rating methodology, we encourage you to consult our “How We Rate” page.

Disclaimer of Warranty

We explicitly disclaim any and all warranties, whether expressed or implied, concerning the services, including but not limited to reviews, articles, ratings, scoring, and other related content.

This includes disclaiming any implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

The services and their content, as well as ratings and scoring, are provided “as-is,” and any reliance upon them or their use is solely at the user’s own risk.

We assume no responsibility for any damages arising from the use of our services or Third Party Services.

We do not guarantee the continuous availability of our website or the accuracy, reliability, or truthfulness of any content and information provided through the services.

We make no commitment to correct any errors, defects, or omissions on the website.

Furthermore, we do not endorse, recommend, or assume any responsibility for any Third Party Service, nor for any decisions made or actions taken based on the content available through our services.

Reviews of Third Party Services are not guaranteed to be accurate.

Limitations of Liability

You acknowledge and agree that we shall not be held liable for any damages, losses, or expenses, whether direct, indirect, incidental, special, consequential, or related to lost profits, arising from your use of the services, reliance on any content, or interaction with Third Party Services.

This limitation of liability applies even if we have been advised of the potential for such damages or losses.

If you become dissatisfied with the services, your exclusive remedy is to cease using them. You hereby waive any and all claims against us and our affiliates, agents, representatives, and licensors arising from your use of the website or services.

While some jurisdictions may not allow the limitation or exclusion of liability for incidental or consequential damages, the above limitations shall not apply to you.

In no event shall our aggregate liability for any and all damages arising under these terms or from your use of, or inability to use, the website exceed $500 USD.

Indemnification

You agree to indemnify and hold us harmless from any third-party claims arising from or related to your use of the website, including any liability or expense resulting from claims, losses, damages (actual and consequential), lawsuits, judgments, litigation costs, and attorneys’ fees of any kind.

Changes to the Website or Services

We reserve the right to modify, correct, amend, enhance, improve, or discontinue, temporarily or permanently, the services and any content therein, without notice, at any time.

We have no obligation to provide support or maintenance for the services under these terms.

However, we may, at our sole discretion, provide limited technical support, upgrades, and updates for the services. By using the services, you agree to receive such updates and upgrades.

Privacy

We are committed to protecting the privacy of our users. For more information on our privacy practices, please review our Privacy Policy.

Miscellaneous

These Terms of Use constitute the entire understanding between the parties regarding the use of the service.

If any part of these Terms of Use is found to be void and unenforceable, it will not affect the validity of the remaining terms, which shall remain valid and enforceable according to their terms.

You may not assign or transfer these Terms or any right or obligation herein. We expressly reserve our right to assign or transfer these Terms and to delegate any of our obligations hereunder at our sole discretion.

The headings in this document serve solely as references and should not be construed as limitations on the content or scope of the respective sections.

It is important to note that our inaction regarding a violation by you or any other party does not constitute a waiver of our right to take action in response to future or analogous infractions.