Terms of Service

Effective Date: January 2026

Last Updated: January 2026

These Terms of Service (“Terms”) govern your access to and use of the Cardvisor mobile application and related services (collectively, the “Service”). By accessing or using Cardvisor, you agree to be bound by these Terms. If you do not agree, do not use the Service.

1. Eligibility

You must be at least 18 years old and capable of forming a binding contract to use Cardvisor. By using the Service, you represent and warrant that you meet these requirements.

2. Description of the Service

Cardvisor provides tools to help users track credit cards and receive recommendations about which credit card to use for a given purchase based on available data. Cardvisor does not provide financial, legal, or tax advice and does not initiate payments or transactions on your behalf.

3. Account Registration and Security

To use certain features, you must create an account. You agree to:

You are responsible for all activity that occurs under your account.

4. Financial Account Connections

Cardvisor uses third-party services, including Plaid, to connect to your financial accounts. By linking accounts, you authorize Cardvisor and Plaid to access and process financial data as described in our Privacy Policy.

Cardvisor does not store your bank login credentials and does not control the availability or accuracy of data provided by third-party financial institutions.

5. Acceptable Use

You agree not to:

6. Subscriptions and Fees

Certain features may be offered on a paid subscription basis in the future. Any applicable fees, billing terms, and cancellation policies will be disclosed prior to purchase.

7. Intellectual Property

All content, trademarks, and software associated with Cardvisor are owned by or licensed to Cardvisor and are protected by intellectual property laws. You are granted a limited, non-exclusive, non-transferable license to use the Service for personal, non-commercial use.

8. Disclaimers

The Service is provided on an “as is” and “as available” basis. Cardvisor makes no warranties regarding accuracy, completeness, or reliability of recommendations or data provided.

You acknowledge that credit card recommendations are informational only and that you are solely responsible for your financial decisions.

9. Limitation of Liability

To the fullest extent permitted by law, Cardvisor shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, data, or financial losses, arising out of or related to your use of the Service.

Cardvisor’s total liability shall not exceed the amount you paid to use the Service in the twelve months preceding the claim, or one hundred dollars ($100), whichever is greater.

10. Indemnification

You agree to indemnify and hold harmless Cardvisor and its affiliates from any claims, damages, losses, and expenses arising from your use of the Service or violation of these Terms.

11. Termination

We may suspend or terminate your access to the Service at any time, with or without notice, for conduct that violates these Terms or is otherwise harmful to Cardvisor or other users.

You may stop using the Service and request account deletion at any time.

12. Governing Law

These Terms are governed by and construed in accordance with the laws of the State of California, without regard to conflict of law principles.

13. Changes to These Terms

We may modify these Terms from time to time. Material changes will be communicated through the Service or by email. Continued use of the Service after changes constitutes acceptance of the updated Terms.

14. Contact Information

If you have questions about these Terms, please contact:

Email: support@cardvisor.app

These Terms of Service are intended to be enforceable to the maximum extent permitted by applicable law.