Terms of Service
Last updated: August 31, 2026
Please read Section 9 carefully.
It contains a binding arbitration agreement and a class action waiver. Except for small claims and the narrow exceptions listed, these affect how disputes between you and us are resolved: individually, in arbitration, rather than in court before a judge or jury. You may opt out within 30 days — Section 9.8 explains how.
1. Agreement to these terms
These Terms of Service ("Terms") are a binding agreement between you and the operator of The Za Guy, doing business as The Za Guy ("we", "us", "our"), governing your access to and use of www.thezaguy.com and any related content, email newsletters, and services (together, the "Site").
By accessing the Site, subscribing to our newsletter, or otherwise using our services, you agree to these Terms and to our Privacy Policy. If you do not agree, do not use the Site.
You must be at least 18 years old, or the age of majority where you live, to use the Site or subscribe to the newsletter.
2. What this Site is — and what it is not
The Za Guy publishes general educational content about personal finance: side hustles, bank account bonuses, credit cards, rewards points, and related topics.
We are not a financial advisor, broker-dealer, investment adviser, bank, lender, tax professional, or law firm. Nothing on the Site is personalized financial, investment, tax, legal, or accounting advice, and no fiduciary or advisor-client relationship is created by your use of the Site, your subscription to the newsletter, or any correspondence with us.
Content is general in nature and does not account for your individual circumstances, income, debts, credit profile, tax situation, or goals. Before acting on anything you read here, consider consulting a licensed professional.
3. No guarantee of results
Any figures, ranges, earnings, bonus amounts, point valuations, or timelines described on the Site are illustrative examples, not promises. Your results will differ. Factors including your credit history, location, employment, the institution's underwriting decisions, and changes in offer terms all affect outcomes.
We make no representation or warranty that you will earn any particular amount of money, be approved for any product, qualify for any bonus, or achieve any financial result.
4. Accuracy and third-party offers
Financial offers change constantly. Bonus amounts, interest rates, APYs, annual fees, minimum spend requirements, eligibility rules, and promotional windows may change or be withdrawn at any time, sometimes without notice, and may vary by applicant and geography.
The issuing institution's own website and disclosures are always the authoritative source. You are responsible for verifying all terms directly with the provider before applying, opening an account, or making any financial decision. We are not responsible for a third party's products, decisions, terms, acts, or omissions.
Some content on the Site is drafted with the assistance of AI tools and reviewed by a human before publication. Errors are still possible. See our Privacy Policy for details on how we use AI.
5. Affiliate relationships
We earn commissions and referral fees when you open accounts or are approved for products through links on the Site. This does not change what you pay. Our advertising disclosure explains these relationships in full, as required by the U.S. Federal Trade Commission.
Links to third-party websites are provided for convenience. We do not control and are not responsible for their content, privacy practices, or terms.
6. Acceptable use
You agree not to:
- Copy, scrape, republish, or redistribute our content without written permission, except for brief quotations with attribution and a link.
- Use automated systems to access the Site in a way that degrades it, or attempt to circumvent any security or rate-limiting measure.
- Use the Site for any unlawful purpose, or to violate the terms of any financial institution.
- Impersonate us, or represent that you are affiliated with or endorsed by The Za Guy.
7. Intellectual property
All content on the Site — articles, text, graphics, the logo, the brand name, and its design — is owned by us or our licensors and is protected by copyright and trademark law. These Terms grant you a limited, revocable, non-exclusive, non-transferable license to access the Site for your own personal, non-commercial use. No other rights are granted.
8. Disclaimers and limitation of liability
THE SITE AND ALL CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, OR NON-INFRINGEMENT. We do not warrant that the Site will be uninterrupted, error-free, or that any information is complete, current, or accurate.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, GOODWILL, SAVINGS, CREDIT SCORE, OR OTHER FINANCIAL LOSS, ARISING FROM OR RELATING TO YOUR USE OF THE SITE OR RELIANCE ON ANY CONTENT — EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
OUR TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS RELATING TO THE SITE WILL NOT EXCEED ONE HUNDRED U.S. DOLLARS ($100).
Some jurisdictions do not allow the exclusion of certain warranties or the limitation of certain damages. In those jurisdictions, the exclusions and limitations above apply only to the fullest extent permitted by applicable law, and nothing in these Terms limits liability for fraud, fraudulent misrepresentation, or any other liability that cannot lawfully be limited.
9. Dispute resolution, binding arbitration, and class action waiver
PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO FILE A LAWSUIT IN COURT AND TO HAVE A JURY TRIAL.
9.1 Informal resolution first
Before starting an arbitration, you agree to first contact us at hello@thezaguy.com with a written description of the dispute and the relief you seek, and to give us 60 days to resolve it informally. Most disputes can be settled this way. This requirement is mutual — we will do the same before bringing a claim against you. The statute of limitations is tolled during this period.
9.2 Agreement to arbitrate
If we cannot resolve the dispute informally, you and we agree that any dispute, claim, or controversy arising out of or relating to these Terms, the Site, our content, or our newsletter — whether based in contract, tort, statute, fraud, misrepresentation, or any other legal theory — will be resolved by binding individual arbitration rather than in court.
This agreement to arbitrate is governed by the Federal Arbitration Act (9 U.S.C. § 1 et seq.). The arbitrator, and not any court, has exclusive authority to resolve threshold questions of arbitrability, including the scope, enforceability, and interpretation of this Section 9 — except as stated in Section 9.5.
9.3 How arbitration works
The arbitration will be administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules, then in effect. The rules and filing instructions are available at adr.org. Arbitration will be before a single arbitrator. The arbitrator's award may be entered as a judgment in any court of competent jurisdiction.
Unless you and we agree otherwise, arbitration will take place in New York. If the amount in dispute is $25,000 or less, you may elect to have the arbitration conducted entirely by telephone, video, or written submissions, with no in-person appearance required. Where AAA's Consumer Arbitration Rules require us to pay the bulk of filing and arbitrator fees, we will do so.
9.4 Class action waiver
YOU AND WE AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, CONSOLIDATED, OR REPRESENTATIVE PROCEEDING. The arbitrator may not consolidate more than one person's claims, and may not preside over any form of class or representative proceeding. The arbitrator may award relief only in favor of the individual party seeking relief, and only to the extent necessary to provide relief warranted by that party's individual claim.
YOU AND WE ALSO WAIVE ANY RIGHT TO A TRIAL BY JURY on any claim covered by this Section.
9.5 Exceptions
This Section 9 does not apply to:
- Small claims. Either party may bring an individual action in small claims court, so long as it remains an individual action in that court.
- Intellectual property. Either party may seek injunctive or other equitable relief in court to protect intellectual property rights.
- Any claim that applicable law does not permit to be arbitrated or waived, including, where applicable, claims for public injunctive relief.
9.6 Severability of this Section
If the class action waiver in Section 9.4 is found unenforceable as to a particular claim or request for relief, then that claim or request must be severed and brought in a court of competent jurisdiction, and all other claims remain subject to arbitration. If any other part of this Section 9 is found unenforceable, that part is severed and the remainder stays in effect.
9.7 Time limit
Any claim must be filed within one (1) year after it arises, or it is permanently barred — except where applicable law prohibits shortening the limitations period, in which case the shortest period permitted by law applies.
9.8 Your right to opt out
You may opt out of this arbitration agreement and class action waiver. Send an email to hello@thezaguy.com with the subject line "Arbitration Opt-Out", including your name and the email address you use with us, within 30 days of first accepting these Terms.
Opting out affects nothing else. It will not change any other part of these Terms, and we will not treat you differently, restrict your access, or unsubscribe you for opting out.
9.9 Consumers outside the United States
If you are a consumer resident in the European Union, the United Kingdom, or another jurisdiction whose law grants you non-waivable rights to bring proceedings in your local courts or under mandatory consumer protection rules, nothing in this Section 9 deprives you of those rights, and this Section applies only to the extent permitted by the law of your jurisdiction.
10. Governing law and venue
These Terms are governed by the laws of the State of New York, without regard to its conflict-of-laws rules, and by the Federal Arbitration Act as to Section 9. For any dispute not subject to arbitration, you and we consent to the exclusive jurisdiction of the state and federal courts located in New York, subject to Section 9.9.
11. Indemnification
You agree to indemnify and hold us harmless from any claims, losses, liabilities, and expenses (including reasonable attorneys' fees) arising from your violation of these Terms, your misuse of the Site, or your violation of any law or third-party right.
12. Newsletter
If you subscribe, you consent to receive recurring emails from us. Each email contains an unsubscribe link, and you may unsubscribe at any time. We handle your address as described in our Privacy Policy.
13. Changes to these Terms
We may update these Terms. When we do, we will revise the "last updated" date above. Material changes will be announced in the newsletter to subscribers. Continued use of the Site after changes take effect constitutes acceptance. If you do not agree to a change, stop using the Site.
A change to Section 9 will not apply retroactively to a dispute of which we had actual notice before the change.
14. General
If any provision of these Terms is held unenforceable, the remaining provisions stay in full effect. Our failure to enforce any right is not a waiver of it. These Terms, together with the Privacy Policy and advertising disclosure, are the entire agreement between you and us regarding the Site. You may not assign these Terms; we may assign them in connection with a merger, acquisition, or sale of assets.