Terms of use

Effective October 21, 2026

These terms apply to cashratewatch.com and the CashRate Watch newsletter, published by Sparta Labs ("we", "us"). By using the site you agree to them.

Information only, not advice

CashRate Watch publishes general information about published interest rates and yields. It is not investment, tax, legal or financial advice. We are not a bank, broker-dealer, investment adviser or crypto platform, and we don't open accounts or hold money.

Rates change; check with the provider

Rates come from providers' public pages and official data, and we believe they were accurate when we checked them. They change often and may be out of date or incomplete, or depend on balance tiers, promotions, eligibility rules or fees. Always check the current terms on the provider's own site before you act. We aren't responsible for decisions you make based on this site.

Risk labels are summaries

Labels such as FDIC, SIPC, Treasury-backed and Not insured are simplified summaries, not guarantees. Crypto assets, including USDC, are not FDIC- or SIPC-insured and can lose value. Rewards on crypto balances are not interest and can change or end at any time.

Other websites

We link to websites we don't control. Your relationship with any provider is governed by that provider's terms. See our Disclosures for how links on this site work.

Using our content

You may share links to our pages and quote short excerpts with attribution. Don't copy or republish our tables in bulk, or scrape the site in a way that burdens it, without permission.

No warranty; limitation of liability

The site is provided "as is", without warranties of any kind. To the extent the law allows, we are not liable for any indirect or consequential loss arising from your use of the site.

Changes and contact

We may update these terms. If you keep using the site after an update, the new version applies. Questions: hello [at] cashratewatch [dot] com