Terms of Service

Last Updated: December 7, 2025

Welcome to ScratchpayVetsBill. By accessing or using our website at scratchpayvetsbill.com, you agree to be bound by these Terms of Service. Please read them carefully.

1. Acceptance of Terms

By using our website, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree, please do not use our website.

2. Description of Service

ScratchpayVetsBill is an independent review and information website that provides:

  • Reviews and comparisons of pet financing options
  • Educational content about veterinary financing
  • Links to third-party financing services

We are NOT affiliated with Scratch Financial, Inc., Scratchpay, CareCredit, or any financing company we review.

3. Not Financial Advice

Important: The content on ScratchpayVetsBill is for informational purposes only and should NOT be considered financial, legal, or professional advice. Always consult with a qualified financial advisor before making financing decisions.

4. Affiliate Relationships

We participate in affiliate marketing programs. This means:

  • We may receive compensation when you click links on our site and apply for products
  • This compensation does not influence our reviews or ratings
  • We maintain editorial independence in all our content
  • You pay no additional cost for using our affiliate links

5. Third-Party Links and Services

Our website contains links to third-party websites and embedded services. We are not responsible for:

  • The content, accuracy, or availability of third-party sites
  • Any transactions you conduct with third parties
  • The privacy practices of third-party services
  • Any damages arising from your use of third-party services

6. Intellectual Property

All content on ScratchpayVetsBill, including text, graphics, logos, and images, is our property or licensed to us. You may not:

  • Copy, reproduce, or distribute our content without permission
  • Modify or create derivative works from our content
  • Use our content for commercial purposes without authorization

7. User Conduct

When using our website, you agree not to:

  • Violate any applicable laws or regulations
  • Transmit harmful code, malware, or disruptive content
  • Attempt to gain unauthorized access to our systems
  • Interfere with the proper functioning of our website
  • Submit false or misleading information

8. Disclaimer of Warranties

Our website is provided "AS IS" and "AS AVAILABLE" without warranties of any kind, either express or implied, including but not limited to:

  • Accuracy, completeness, or reliability of content
  • Fitness for a particular purpose
  • Non-infringement of third-party rights
  • Uninterrupted or error-free operation

9. Limitation of Liability

To the fullest extent permitted by law, ScratchpayVetsBill shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of or inability to use our website, including damages for:

  • Lost profits or business opportunities
  • Data loss or corruption
  • Reliance on any information provided
  • Third-party products or services

10. Indemnification

You agree to indemnify and hold harmless ScratchpayVetsBill and its operators from any claims, damages, or expenses arising from your violation of these Terms or your use of our website.

11. Changes to Terms

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting. Your continued use of the website after changes constitutes acceptance of the modified Terms.

12. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the United States, without regard to conflict of law principles.

13. Contact Information

For questions about these Terms, please contact us: