Terms of Service

Last updated: December 19, 2024

Service Description

Credit Card Optimizer is a financial technology service that provides personalized credit card recommendations based on your spending patterns. Our service:

  • Analyzes your monthly spending across different categories
  • Calculates potential rewards and benefits from various credit cards
  • Provides mathematical recommendations for optimal card selection
  • Offers both free and premium tiers of service

🔍 Affiliate Disclosure

Important: We maintain affiliate partnerships with credit card companies and financial institutions.

  • Commission Structure: We may earn commissions when you apply for credit cards through our links
  • No Bias Guarantee: Our recommendation algorithms are mathematically driven and not influenced by commission rates
  • Transparency: All affiliate relationships are clearly disclosed
  • Your Choice: You are never required to use our affiliate links

Our goal is to provide you with the most accurate recommendations regardless of our affiliate relationships.

User Responsibilities

By using our service, you agree to:

  • Provide accurate spending information for better recommendations
  • Use the service for personal, non-commercial purposes
  • Not attempt to reverse-engineer our algorithms
  • Respect the intellectual property rights of our service
  • Comply with all applicable laws and regulations

Disclaimers & Limitations

Important Disclaimers:

  • Not Financial Advice: Our recommendations are educational tools, not professional financial advice
  • Credit Approval: We do not guarantee credit card approval or specific terms
  • Rate Changes: Credit card terms, rates, and benefits may change without notice
  • Individual Results: Actual rewards may vary based on your spending and card usage

Account Terms

For users who create accounts:

  • You are responsible for maintaining account security
  • One account per person
  • You may delete your account at any time
  • We reserve the right to suspend accounts for violations

Premium Service Terms

Our premium tier includes:

  • Access to premium credit cards with annual fees
  • Advanced optimization features
  • Priority customer support
  • Monthly billing at $9.99/month
  • Cancel anytime with no penalties

Third-Party Links & Services

Our service contains links to third-party websites and services:

  • Credit card company websites and application pages
  • Authentication providers (Google, GitHub, Meta, X)
  • Payment processing services (Stripe)

We are not responsible for the content, privacy practices, or terms of these third-party services.

Intellectual Property

All content, algorithms, and technology used in Credit Card Optimizer are protected by intellectual property laws. You may not copy, modify, or distribute our proprietary technology.

Limitation of Liability

Credit Card Optimizer provides recommendations based on mathematical calculations. We are not liable for:

  • Credit card approval decisions
  • Changes in credit card terms or benefits
  • Financial decisions made based on our recommendations
  • Technical issues or service interruptions

Contact Information

For questions about these terms or our service:

Email:

[email protected]

Legal:

[email protected]

Changes to Terms

We may update these terms from time to time. Material changes will be communicated to users via email or prominent notice on our website. Continued use of the service constitutes acceptance of updated terms.