Disclaimer

1. Information Accuracy

While we strive to provide accurate and up-to-date information about credit card benefits, annual fees, and related features, we cannot guarantee the completeness, accuracy, or timeliness of all information presented on CardGenius. Credit card benefit information is sourced from publicly available data and user inputs, and may not reflect the most current terms and conditions.

2. Credit Card Benefits Subject to Change

Credit card benefits, terms, fees, and policies are determined solely by the issuing financial institutions and are subject to change without notice. Banks and credit card issuers may:

• Modify or discontinue benefits at any time
• Change annual fees, interest rates, and credit terms
• Update eligibility requirements and benefit limits
• Alter category bonuses and promotional offers
• Change membership year vs. calendar year benefit resets

CardGenius is independent from these institutions and has no control over benefit changes.

3. Verification Requirement

You MUST verify all benefit details, terms, and conditions directly with your credit card company before making any purchasing decisions or relying on benefit information. This includes but is not limited to: annual credits, travel benefits, purchase protections, bonus categories, and expiration dates. Always refer to your cardholder agreement and contact your issuer for authoritative information.

4. Manual Data Entry

CardGenius relies on manual data entry by users. The accuracy of benefit tracking, usage records, and ROI calculations depends entirely on the accuracy and completeness of information you provide. We are not responsible for errors resulting from incorrect or incomplete user input.

5. Use at Your Own Risk

Information provided on CardGenius is for reference only. You use this service at your own discretion and risk. We accept no responsibility for any losses, financial damages, inconveniences, missed benefits, or issues arising from your use of the information provided. This includes but is not limited to: expired benefits, incorrect calculations, missed deadlines, or reliance on outdated information.

6. No Financial, Legal, or Tax Advice

CardGenius does not provide financial, investment, tax, legal, or accounting advice. The information and tools provided are not intended to be a substitute for professional financial advice. Annual fee ROI calculations, benefit recommendations, and card comparisons are informational tools only. Always consult with qualified financial, tax, or legal professionals regarding your specific financial situation and decisions.

7. Advertiser Disclosure & Referral Compensation

CardGenius may receive compensation if you apply for a credit card through certain referral links and are approved. This affiliate compensation helps support our service and allows us to offer CardGenius for free.

Important disclosure regarding affiliate relationships:

• This compensation may affect how and where card offers appear on our site, including the order in which they appear
• Not all credit card companies or available credit card offers are included on CardGenius
• We may prioritize cards with affiliate relationships in our catalog and recommendations
• Referral compensation does not affect our benefit tracking data or calculations
• You are never charged more when using our referral links

We are committed to transparency: When affiliate links are present, we clearly disclose this relationship near the applicable offer. Benefit information may still be incomplete or outdated, so you should always verify current terms with the applicable credit card issuer.

8. Third-Party Services and Links

CardGenius may contain links to third-party websites, including credit card issuer websites, financial institutions, and other services. We are not responsible for the content, accuracy, privacy practices, or availability of any third-party sites or services. Your interactions with third-party services are at your own discretion and risk. We do not endorse or guarantee any third-party products or services.

9. Updates and Database Accuracy

We regularly update our benefit information database, but acknowledge that information may become outdated between updates. Credit card issuers may change terms, benefits, or fees without notifying CardGenius. We make no guarantees regarding the frequency of updates or the currency of benefit information.

10. Annual Fee and ROI Calculations

ROI calculations, utilization percentages, and net value assessments are estimates based on user-provided data and benefit tracking. These calculations do not account for all factors that may affect card value, including: opportunity costs, alternative redemption values, personal spending patterns, or intangible benefits. Results may vary based on individual circumstances.

11. Household and Multi-User Features

Household collaboration features allow multiple users to share benefit tracking data. You are responsible for who you invite to your household and what information you share. CardGenius is not responsible for disputes, miscommunication, or issues arising from shared household access or multi-user coordination.

12. No Guarantee of Service Availability

We strive to maintain continuous service availability but do not guarantee uninterrupted access. CardGenius may be temporarily unavailable due to maintenance, technical issues, or other factors beyond our control. We are not liable for any losses resulting from service interruptions or downtime.

13. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, CARDGENIUS SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, OR PUNITIVE DAMAGES arising from or related to your use of the service, including but not limited to: missed benefits, expired credits, incorrect benefit information, financial losses, data loss, or reliance on provided information. This limitation applies regardless of the legal theory on which the claim is based.

14. Independent Research Required

CardGenius is a tracking and organizational tool, not a source of authoritative credit card information. You are responsible for conducting your own research, reading cardholder agreements, and verifying all terms directly with issuers before making financial decisions or relying on benefit availability.

15. Changes to This Disclaimer

We reserve the right to modify this disclaimer at any time. Changes will be posted on this page with an updated "Last updated" date. Your continued use of CardGenius after changes constitutes acceptance of the updated disclaimer.

Contact Us

If you have any questions about this Disclaimer, please contact us at [email protected]