Terms of Service

1. Acceptance of Terms

By accessing or using CardCompass ("Service"), you agree to be bound by these Terms of Service ("Terms"). If you disagree with any part of these terms, you may not access the Service.

2. Description of Service

CardCompass is a personal project that provides:

• Credit card recommendations based on your spending patterns
• Optimization tools to maximize rewards across multiple cards
• Tracking of credit card benefits and rewards
• Educational content about credit card rewards

3. User Accounts

Account Creation

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

• Provide accurate and complete information
• Maintain the security of your password
• Promptly update any changes to your information
• Accept responsibility for all activities under your account

Account Termination

You may delete your account at any time through the account settings. We reserve the right to suspend or terminate accounts that violate these Terms.

4. User Conduct

You agree NOT to:

• Use the Service for any illegal purposes
• Attempt to gain unauthorized access to any part of the Service
• Interfere with or disrupt the Service or servers
• Attempt to reverse engineer any part of the Service
• Use automated systems or software to extract data (scraping)
• Impersonate another person or entity

5. Intellectual Property

The Service and its original content, features, and functionality are owned by CardCompass and are protected by international copyright, trademark, and other intellectual property laws. Credit card names and logos are property of their respective issuers.

6. Privacy

Your use of the Service is also governed by our Privacy Policy. Please review ourPrivacy Policy, which also governs the Service and informs users of our data collection practices.

7. Disclaimers

No Financial Advice

CardCompass does not provide financial, investment, or legal advice. Our recommendations are based solely on the spending patterns and preferences you provide. Always:

• Read the full terms and conditions from credit card issuers
• Consider your complete financial situation
• Understand the impact on your credit score
• Be aware of all fees and interest rates

Accuracy of Information

While we strive to keep credit card information current, offers and terms change frequently. We cannot guarantee the accuracy of all information. Always verify current terms with card issuers.

Third-Party Links

The Service may contain affiliate links to credit card applications. We may earn commissions from approved applications, but this does not affect our recommendations. We are not responsible for third-party websites.

8. Limitation of Liability

To the maximum extent permitted by law, CardCompass shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including lost profits, data, or other intangible losses resulting from:

• Your use or inability to use the Service
• Any credit decisions you make based on our recommendations
• Any unauthorized access to your account
• Any interruption or cessation of the Service

9. Indemnification

You agree to defend, indemnify, and hold harmless CardCompass from any claims, damages, obligations, losses, liabilities, costs, or expenses arising from your use of the Service or violation of these Terms.

10. Service Availability

As a personal project, CardCompass is provided "as is" without any guarantees of uptime or availability. We reserve the right to modify, suspend, or discontinue the Service at any time without notice.

11. Changes to Terms

We reserve the right to modify these Terms at any time. If we make material changes, we will notify users via email or a prominent notice on the Service. Your continued use after changes constitutes acceptance of the new Terms.

12. 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.

13. Contact Information

For questions about these Terms, please contact us at:

Email: legal@cardcompass.app
Project: github.com/yourusername/cardcompass