Terms of Service for The Card Caddie

1. Acceptance of Terms

By accessing or using The Card Caddie's iOS app, Chrome browser extension, website, or any related services (collectively, the "Services"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, do not use our Services.

2. Description of Service

The Card Caddie is a credit card rewards optimization tool that:

• Helps you track your credit card reward structures
• Ranks cards based on merchant categories and your location
• Provides recommendations for which card to use at different stores
• Offers credit card template recommendations

The Card Caddie is a FREE service. We do not charge users for access to our core features.

3. Important Disclaimers

4. User Responsibilities

• You must be at least 18 years old to use the Services
• You must provide accurate and complete information
• You are responsible for maintaining the confidentiality of your account
• You are responsible for all activities under your account
• You should always verify credit card details with your card issuer
• You are responsible for your own financial decisions

5. Prohibited Uses

You agree NOT to:

• Use the Services for any illegal purpose
• Attempt to gain unauthorized access to our systems
• Interfere with or disrupt the Services
• Use automated systems (bots, scrapers) without permission
• Misrepresent your identity or affiliation
• Submit false or misleading information

6. Affiliate Marketing and Partnerships

The Card Caddie may participate in affiliate marketing programs, meaning:

• We may earn commissions from credit card applications through our links
• These relationships will be clearly disclosed
• Our recommendations remain unbiased and algorithm-based

We reserve the right to introduce premium features, subscriptions, partnerships, or advertising in the future.

7. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

The Card Caddie, its owners, employees, and affiliates SHALL NOT BE LIABLE FOR any indirect, incidental, special, or consequential damages, loss of profits, data, business opportunities, credit card decisions, or financial outcomes.

Our total liability to you for any claims shall not exceed $100 USD.

8. Indemnification

You agree to indemnify, defend, and hold harmless The Card Caddie from any claims, damages, losses, and expenses (including legal fees) arising from:

• Your use of the Services
• Your violation of these Terms
• Your financial decisions based on our recommendations

9. Privacy

Your privacy is important to us. Please review our Privacy Policy to understand how we collect, use, and protect your information.

Key Points:

• We do NOT store your actual credit card numbers
• We do NOT store your location history
• You can delete your account and data at any time

10. Changes to Services and Terms

We reserve the right to modify, suspend, or discontinue any part of the Services at any time. We may update these Terms by posting the revised version and updating the "Last Updated" date.

Your continued use after changes constitutes acceptance of the new Terms.

11. Termination

You may terminate your account at any time by contacting us at thecardcaddie@gmail.com

We may suspend or terminate your account if you violate these Terms or engage in fraudulent or illegal activity.

12. Contact Information

For questions about these Terms, please contact us:

• Email: thecardcaddie@gmail.com