Terms of Service

By accessing or using Cardly+, you agree to be bound by these Terms of Service. If you disagree with any part of the terms, you may not access the service.

Cardly+ provides:

• Credit card management tools
• Reward optimization features
• Location-based recommendations
• Secure card information storage
• Personalized spending insights

The service is provided 'as is' without warranties.

To use Cardly+, you must:

• Be at least 18 years old
• Have legal capacity to enter into agreements
• Provide accurate information
• Comply with all applicable laws
• Maintain account security

You are responsible for:

• Maintaining password confidentiality
• Restricting access to your device
• Enabling biometric authentication
• Reporting unauthorized access
• Keeping contact information current

You agree not to:

• Violate any laws or regulations
• Infringe on others' rights
• Submit false information
• Attempt to reverse engineer the app
• Share account credentials
• Misuse the service

Users must:

• Provide accurate card information
• Update details when they change
• Verify reward rates independently
• Report any discrepancies
• Maintain current contact information

Cardly+ is not:

• A financial advisor
• A banking institution
• A credit card issuer
• A guarantee of rewards
• A substitute for professional advice

Always verify information with your card issuer.

We reserve the right to:

• Modify the service
• Interrupt service for maintenance
• Update features and functionality
• Discontinue services
• Limit service availability by region

Regarding external services:

• Links are provided for convenience
• We're not responsible for third-party content
• External terms may apply
• Verify security of external sites
• Use caution with external services

Cardly+ retains all rights to:

• App design and interface
• Logos and branding
• Algorithms and code
• Documentation and content
• Features and functionality

Users receive:

• Limited, non-exclusive license
• Personal, non-commercial use rights
• Non-transferable access
• Revocable permissions
• No redistribution rights

We may modify:

• These terms of service
• App functionality
• Pricing (if applicable)
• Available features
• Service availability

Users will be notified of significant changes.

Accounts may be terminated:

• At user request
• For terms violations
• Due to extended inactivity
• For service abuse
• At our discretion

Users can export their data before termination.

Cardly+ is not liable for:

• Incorrect reward calculations
• Service interruptions
• Data loss or corruption
• Third-party actions
• Consequential damages

In case of disputes:

• Contact support first
• Attempt informal resolution
• Follow arbitration procedures
• Comply with jurisdiction laws
• Maintain confidentiality