Terms & Conditions

By accessing and using PickYourBank.com, you confirm that you are at least 18 years of age and have the legal capacity to enter into these Terms. These Terms apply to all visitors, users, and others who access the Website.

The Website and its content are provided for personal, non-commercial use only. You agree not to:

• Modify, copy, distribute, transmit, display, reproduce, publish, license, or transfer any content from the Website without prior written consent from Spread the Magic Ltd.
• Use the Website for any unlawful purpose or in violation of any applicable regulations.
• Attempt to gain unauthorized access to any part of the Website or its related systems.
• Scrape, crawl, or harvest data from the Website by automated means.

Violation of these terms may result in immediate suspension of your access and a requirement to delete any downloaded or printed materials obtained from the Website.

The content on PickYourBank.com is provided for informational purposes only and does not constitute financial, investment, legal, or tax advice. We make every effort to ensure the accuracy of rates, fees, and product information, but:

• Financial products and their terms change frequently. Always verify details directly with the relevant financial institution before making any decisions.
• PickYourBank.com does not recommend or endorse any specific financial product or institution.
• You should seek independent professional advice before making any financial decisions.

PickYourBank AI ("Earny") is an automated conversational assistant available through WhatsApp and Telegram. It is provided for general informational and educational purposes only. By interacting with PickYourBank AI, you acknowledge and agree that:

• PickYourBank AI is not a licensed financial advisor, broker, or tax professional. Nothing it says constitutes financial, investment, legal, or tax advice.
• All rates, fees, bonuses, and product details shared by the AI are drawn from publicly available data and may be outdated, incomplete, or inaccurate. You must independently verify every figure directly with the relevant bank or credit union before acting.
• Any account recommendation, calculation, or comparison provided by PickYourBank AI is purely informational. You are solely responsible for any decision to open, close, or modify a financial account.
• PickYourBank AI may occasionally produce incorrect, misleading, or hallucinated information. Spread the Magic Ltd assumes no liability for any loss, missed opportunity, or adverse outcome resulting from reliance on AI-generated responses.
• Conversations conducted via WhatsApp or Telegram are also subject to those platforms' respective Terms of Service and Privacy Policies. We do not control or guarantee the security of data once it leaves our systems and enters a third-party messaging platform.
• We may log and review anonymized conversation data to improve the AI's accuracy. We do not request, and you should never share, sensitive credentials such as bank passwords, account numbers, PINs, or Social Security numbers through the chat.

If you need personalized financial advice, please consult a qualified, licensed professional in your jurisdiction.

PickYourBank.com is an independent comparison website. We may receive compensation from financial institutions when users click on links, submit applications, or open accounts through our Website. This compensation may influence which products appear on the Website and their placement, but does not affect our editorial integrity or the accuracy of the information provided. Not all available financial products are listed on our Website.

The Website is provided on an "As Is" and "As Available" basis without warranties of any kind, express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement.

Spread the Magic Ltd, its affiliates, employees, agents, and licensors do not warrant that:

• The Website will be uninterrupted, error-free, or secure.
• The information displayed will always be accurate, complete, or current.
• Any defects or errors will be corrected.

To the fullest extent permitted by law, Spread the Magic Ltd shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of data, revenue, profits, or business interruption, arising from your use of or inability to use the Website.

Some jurisdictions do not allow the exclusion or limitation of certain liabilities. Where such laws apply, the above limitations may not fully apply to you.

The Website may contain links to third-party websites for your convenience. Spread the Magic Ltd does not control, monitor, or endorse these external sites and is not responsible for their content, accuracy, or availability. Visiting third-party links is entirely at your own risk, and you will be subject to the terms and privacy policies of those websites.

All content on PickYourBank.com — including text, graphics, logos, and data — is the property of Spread the Magic Ltd or its content suppliers and is protected by applicable copyright and intellectual property laws. Unauthorized use of any content is strictly prohibited.

Your use of the Website is also governed by our Privacy Policy, which is incorporated into these Terms by reference. We are committed to handling your personal data in accordance with applicable data protection laws, including the UK GDPR and relevant EU regulations where applicable.

Spread the Magic Ltd reserves the right to update or revise these Terms at any time. The date of the most recent revision will be noted at the top of this page. Your continued use of the Website following any changes constitutes your acceptance of the revised Terms. We encourage you to review this page periodically.

These Terms shall be governed by and construed in accordance with the laws of England and Wales (or the jurisdiction in which Spread the Magic Ltd is registered). Any disputes arising from these Terms shall be subject to the exclusive jurisdiction of the courts of that jurisdiction.

If you have any questions or concerns about these Terms, please contact us via the support page on PickYourBank.com or email hello@pickyourbank.com.