Legal Disclaimer

Last Updated: January 15, 2025

Effective Date: March 15, 2024

1. Educational Purpose Only

GiftMojo.org is strictly an educational and informational resource. We provide educational content about Visa and Mastercard gift cards for informational purposes only. Our website does not:

• Sell gift cards or any financial products
• Process gift card transactions
• Act as a gift card issuer, retailer, or financial institution
• Provide customer service for gift card companies
• Facilitate gift card purchases or redemptions
• Act as an agent or representative of any gift card company

2. No Professional Advice

The information provided on GiftMojo.org is for general educational purposes only and should not be considered as:

• Financial Advice: We do not provide personalized financial advice or investment recommendations
• Legal Advice: Our content does not constitute legal advice or legal consultation
• Professional Consultation: We are not licensed financial advisors, attorneys, or certified professionals
• Medical or Health Advice: We do not provide medical or health-related advice
• Tax Advice: We do not provide tax advice or tax planning services

3. Information Accuracy and Completeness

3.1 No Warranties

While we strive to provide accurate and up-to-date information, we make no representations or warranties of any kind, express or implied, about:

• The completeness, accuracy, reliability, or suitability of the information
• The availability or functionality of the website
• The timeliness or currentness of the information
• The absence of errors, omissions, or technical problems

3.2 Information Changes

Gift card terms, conditions, policies, and merchant acceptance can change frequently and without notice. We cannot guarantee that all information on our website reflects the most current terms and conditions of gift card issuers or merchants.

3.3 Third-Party Information

Some information on our website may be derived from third-party sources. We are not responsible for the accuracy, completeness, or reliability of such third-party information.

4. No Guarantees or Outcomes

We do not guarantee any specific results or outcomes from using the information provided on GiftMojo.org. You acknowledge that:

• Results may vary based on individual circumstances
• Past performance or examples do not guarantee future results
• Gift card terms and merchant policies can change
• Individual experiences may differ significantly
• Success depends on many factors beyond our control

5. User Responsibility

By using GiftMojo.org, you acknowledge and agree that:

• You are solely responsible for your decisions and actions
• You will verify information with official sources before acting
• You will read and understand gift card terms and conditions
• You will comply with all applicable laws and regulations
• You will use the information at your own risk
• You will seek professional advice when appropriate

6. Limitation of Liability

To the fullest extent permitted by applicable law, GiftMojo LLC and its officers, directors, employees, agents, and affiliates shall not be liable for any:

• Direct, indirect, incidental, special, or consequential damages
• Loss of profits, revenue, data, or business opportunities
• Personal injury or property damage
• Financial losses or damages
• Emotional distress or mental anguish
• Punitive or exemplary damages

This limitation applies regardless of the theory of liability, whether based on warranty, contract, tort, negligence, or any other legal theory, and even if we have been advised of the possibility of such damages.

7. Third-Party Relationships

7.1 No Affiliation

GiftMojo.org is not affiliated with, endorsed by, sponsored by, or connected to:

• Visa Inc. or any Visa-branded gift card issuers
• Mastercard Incorporated or any Mastercard-branded gift card issuers
• Any gift card retailers or merchants
• Any financial institutions or banks
• Any payment processors or networks

7.2 Trademark Usage

All trademarks, service marks, trade names, and logos mentioned on this website are the property of their respective owners. Our use of these marks is solely for educational and informational purposes under fair use provisions and does not imply any affiliation, endorsement, or approval.

7.3 Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the content, accuracy, privacy policies, or practices of these third-party sites. Links are provided for convenience only and do not constitute endorsement.

8. Risk Acknowledgment

You acknowledge and understand that:

• Gift card transactions involve inherent risks
• Scams and fraud are common in the gift card industry
• Policies and terms can change without notice
• Technical issues may affect gift card functionality
• Merchant acceptance may vary
• Cards may expire or lose value over time

9. Jurisdictional Limitations

The information on GiftMojo.org is provided from the United States and may not be applicable in other jurisdictions. If you access our website from outside the United States:

• You are responsible for compliance with local laws
• Information may not be relevant to your jurisdiction
• Gift card availability and terms may differ
• Consumer protections may vary

10. Age Restrictions

GiftMojo.org is intended for users who are at least 18 years old. If you are under 18, you should not use this website without parental or guardian supervision and approval.

11. Medical and Health Disclaimers

Any information related to health, wellness, or medical topics is provided for general educational purposes only and should not replace professional medical advice, diagnosis, or treatment. Always consult with qualified healthcare professionals for medical concerns.

12. Forward-Looking Statements

Our website may contain forward-looking statements about industry trends, future developments, or expectations. These statements are based on current information and assumptions and are subject to risks and uncertainties. Actual results may differ materially from those expressed or implied.

13. Technology and Security

While we implement security measures to protect our website and user information, we cannot guarantee:

• Complete security of data transmission
• Absence of technical errors or bugs
• Continuous availability of the website
• Compatibility with all devices or browsers
• Protection against all security threats

14. Modification and Updates

We reserve the right to modify, update, or remove any information on our website at any time without notice. We also reserve the right to:

• Change the scope or nature of our services
• Discontinue certain features or sections
• Update our policies and disclaimers
• Restrict access to certain content

15. Contact for Legal Matters

For legal questions or concerns regarding this disclaimer, please contact:

16. Severability

If any provision of this disclaimer is found to be unenforceable or invalid, such provision shall be limited or eliminated to the minimum extent necessary so that the remainder of this disclaimer shall remain in full force and effect.

17. Entire Agreement

This disclaimer, together with our Terms of Service and Privacy Policy, constitutes the entire agreement between you and GiftMojo LLC regarding the subject matter herein and supersedes all prior or contemporaneous understandings.

This disclaimer is effective as of the date listed above and will remain in effect until modified by GiftMojo LLC. We reserve the right to update this disclaimer at any time without prior notice.