Terms of Service

1. Acceptance of Terms

By accessing and using CardGenius ("Service"), you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to these Terms of Service, please do not use our Service.

2. Description of Service

CardGenius provides a platform for tracking credit card benefits, annual fees, and household card management. The Service allows users to manually input credit card information and track benefit usage.

3. User Accounts

You are responsible for maintaining the confidentiality of your account and password. You agree to:

• Provide accurate and complete information when creating your account
• Keep your account information up to date
• Be responsible for all activities that occur under your account
• Notify us immediately of any unauthorized use of your account

4. Privacy and Data

We do not require bank account linking. All credit card information is manually entered by you. Please refer to our Privacy Policy for detailed information about how we collect, use, and protect your data.

5. User Responsibilities

You agree to:

• Verify all benefit information directly with your credit card issuer
• Use the Service for lawful purposes only
• Not use the Service to violate any applicable laws or regulations
• Not attempt to gain unauthorized access to any portion of the Service
• Not transmit any viruses, malware, or other malicious code

6. Intellectual Property

The Service and its original content, features, and functionality are owned by CardGenius and are protected by international copyright, trademark, patent, trade secret, and other intellectual property laws.

7. Disclaimer of Warranties

THE SERVICE IS PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED. We do not guarantee the accuracy, completeness, or timeliness of benefit information. Credit card benefits are subject to change by issuing banks without notice.

8. Limitation of Liability

CardGenius shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from your use of or inability to use the Service, including but not limited to missed benefits, incorrect benefit information, or financial losses.

9. Termination

We reserve the right to terminate or suspend your account and access to the Service at our sole discretion, without notice, for conduct that we believe violates these Terms of Service or is harmful to other users, us, or third parties, or for any other reason.

10. Changes to Terms

We reserve the right to modify these Terms of Service at any time. We will notify users of any material changes by posting the new Terms of Service on this page and updating the "Last updated" date.

11. Governing Law

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

12. Contact Us

If you have any questions about these Terms of Service, please contact us at [email protected]