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    Why is this important? Every time you apply for a credit card, your credit score takes a small hit, so it's better to make an application that has a high chance of success. Your scores help you understand which cards you have the strongest chance of getting.

    The higher the score, the stronger chance you have of getting the card. If you see a very low score, it's unlikely you'll get the card, so it could be worth looking at others.

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    Our Smart Search uses the same criteria lenders do. If you have cards with high scores, you can be fairly confident in applying however the lender decides whether to say "yes" or "no".

    If you see a guaranteed score, the lender won't do a further credit check, but will do additional fraud checks to verify your identity. Assuming everything you told us is correct, your application will be successful. Not eligible If you're rated "not eligible" for a particular card, this could be for one of several reasons. You may already have a card with that provider, and some lenders don't like giving a second one to the same person.

    Or, occasionally lenders will restrict cards to their current account holders only, meaning you'll be scored not eligible if you don't have one. If you're rated as "not eligible" for a lot of the cards, then it's likely that your credit score's too low to qualify — perhaps you've missed payments in the past, or you've a CCJ or bankruptcy on your report? If not, but you have a lot of debt already, it could be that lenders are concerned about the levels of debt you already have.

    Not rated In some cases, we will not be able to display a score for a product because we do not have enough information about the card issuer's acceptance criteria or we have not been able to match your details at the credit bureau to be able to do the smart search check. What is a balance transfer card?

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    A balance transfer card allows you to pay off existing store and credit card debt by moving the balance onto a new card with a lower interest rate. It helps you clear debt faster because you reduce the amount you pay on interest. By submitting the application to be a Partner or affiliate of Dating Factory you agree to be bound by these terms and conditions.

    Affiliate is a Partner of Dating Factory who promotes other partner branded websites participating in the Dating Factory Network taking part in the Dating Factory affiliate network. Chargebacks are payments that have been contested by a card holder.

    Commission is the amount that is payable by Dating Factory to partners and affiliates, on net receipts, according to clause 4.

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    Confidential data means, but is not limited to, all information and trade secrets including all financial, marketing and technical information, ideas, concepts, technology, processes and knowledge together with lists or details of customers, suppliers, prices, discounts, margins, information relating to research and development, current trading performance and future business strategy and any information derived from them in each case concerning the business or affairs of the parties hereto, and information in respect of which the parties are bound by any obligation restricting its use.

    Delegation or Domain name server delegation: The process of using resource records to provide pointers from parent zones to child zones in a namespace hierarchy. Each delegation corresponds to at least one zone.

    Lead is a registration confirmed by email and approved by the Dating Factory moderation team. All users, whether paid or free, are considered Members. Moderation is the act of monitoring and editing or removing content provided by partners or members if this content does not meet with the policies and terms and conditions published by Dating Factory.

    Net receipts means gross receipts less VAT or similar tax, credit card and other merchant charges, the cost of currency conversions, refunds, chargebacks, returns, uncollected items, fraud or any reimbursements for costs of collection. Also called the Dating Factory white label network. For the purposes of this agreement you will be considered as a Partner and may be referred to as such on occasions in this agreement.

    Promotional tools are tools developed by Dating Factory which are provided to Partners and affiliates in order to facilitate promotion of their web-sites and affiliate campaigns.

    Referrals are other Partners who join, create and promote on the Dating Factory network as a result of the marketing activity or direct introduction of Partner.

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    Refunds are deductions that occur when Dating Factory decides to reimburse a member due to fraudulent transactions or administration or system error such as a recurring payment going through after a member has cancelled his subscription. Revenue share is the apportioned distribution of net receipts from sales between Dating Factory and Partner, according to clause 4. Sales can take the form of an: Recurring payments are subsequent payments by member who has upgraded.

    Member subscriptions automatically renew after the period of time they subscribe for, until the member cancels their subscription to a website. Term is the time or duration this agreement is in force as determined in clause Web-site or dating website is a website set up by Partner or by Dating Factory for the Partner that is hosted by Dating Factory including the database of member information and other information accessible on this website.

    Once the Partner completed the registration form on Dating Factory or associated web-sites, Dating Factory will send the Partner information about their account and facilitate the process of the web-site creation considering the Partner needs and additional agreements between the parties, either verbal or in writing.

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    The commission rates can be changed from time to time by Dating Factory. Partners can be also subject to special bonus schemes that are set out on Dating Factory web-site: Net receipts mean gross receipts less VAT, sales tax or other similar tax, credit card and other merchant charges, the cost of conversion to the Partner currency, refunds, chargebacks and fines, returns, uncollected items, fraud or any reimbursements for costs of collection.

    Charges can vary depending on the payment method chosen by the member.

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    Sums deductible from commission may be deducted from later payments. If deductions outstanding exceed commission payable the Partner shall pay the deduction upon demand. Payments are made 30 days in arrears due to credit cards security procedures.

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    Revenue share periods and commission periods run from the 1st of the month to 15th of the month and 16th of the month to end of the month. The first payment, if thresholds have been reached, will occur on the first working day 30 after days the end of the sales period in which the threshold has been reached. Payments are made bimonthly on the first working day after 1st and 15th of every month.

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    A minimum payout threshold is in place for all payouts. In order for a payout to be issued, a set amount of earnings must be generated for the payout period in question. If the threshold is not met in a particular pay out period the balance will carry over to the next payout period until the threshold is reached. Partner can choose the currency they want to be paid in through the administration interface: Partner shall provide accurate information for the payment to be made by Dating Factory.

    Dating Factory takes no responsibility for commission collection problems due to inaccurate details provided by Partner in the Wallet section of administration area. Dating Factory will provide an interface through which Partner will be able to create dating websites free of charge.

    If the Partner requires development services by Dating Factory, charges or minimum traffic requirements may apply. These shall be included into an addendum that should form the part of this agreement and be signed by both parties before development works can start.

    Dating Factory will be responsible for regular email communication with all members i. Partner agrees that Dating Factory has the right to use the domain names Partner delegated to Dating Factory when communicating with any members but it shall not thereby create any obligation or make any admission of liability on behalf of Partner. Dating Factory reserves the right and at its sole discretion, to delete and remove any members who it considers may be detrimental to the network.

    This includes but is not limited to scammers, members posting inappropriate or illegal content or profiles, members posting false or misleading information, members seeking to bypass or lure other members to competing websites or posting profiles or content for commercial gain whether legitimate or not.

    All customer records and data relating to members registering via Partner dating site, as well as existing members of Partner dating site will be owned by Dating Factory. In the collection and usage of user information, both parties will use all reasonable endeavors to comply with the Swiss Data Protection Act.

    To protect member privacy member personal data including identity will not be provided to the Partner in statements of member applications but shall be retained by Dating Factory.

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    Partner will be provided with the facility to send newsletters to members of Partner websites. These newsletters should consist of the information relevant to the web-site audience, contain no offensive or illegal information and advertisement of direct competition or unrelated web-sites and should in no way contain SPAM. Partner will be able to choose the pricing model in the administration Interface, according to their market, from the options available during web-site creation or editing process.

    Dating Factory will be responsible for processing member payments and for renewals, cancellations, and refunds. Partner may become member of their web-site and use Dating Factory services in accordance with general membership rules. Partner may not add services to their web-site that would confuse the customer into thinking that payments to Dating Factory would include the services offered by the Partner or any other third partyor that these services are provided by Dating Factory.

    Should Dating Factory receive any complaints or navigation problems Dating Factory is continuously updating and improving the sites and may at any time change, add or remove features and content at its sole discretion.

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