Effective Date: January 1, 2025
Last Updated: January 1, 2025
Use Your Credits is an informational tool designed to help you track and use your existing credit card benefits. We do not provide financial advice, investment advice, credit counseling, or recommendations about which credit cards to apply for or use. Always consult with a qualified financial advisor for personalized financial decisions.
By accessing or using Use Your Credits ("Service"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use our Service.
Use Your Credits provides:
Our Service is informational only. We do not make recommendations about financial products or provide financial advice.
To use certain features, you must create an account. You agree to:
You must be at least 18 years old to use our Service. By using the Service, you represent that you meet this age requirement.
You agree not to:
By submitting content to our Service (such as benefit tracking data), you grant us a non-exclusive, worldwide, royalty-free license to use, store, and process this content solely for the purpose of providing the Service.
Pro features require a paid license. Licenses are billed in advance on a monthly or 6-month basis. All payments are processed through Stripe.
You may cancel your license at any time through your account settings. Cancellations take effect at the end of the current billing period. Refund requests are handled through Stripe in accordance with their refund policies. Generally, no refunds are provided for partial billing periods unless required by law.
We reserve the right to change license prices with 30 days' notice. Price changes will take effect at the start of your next billing period.
All content, features, and functionality of the Service are owned by Use Your Credits and are protected by copyright, trademark, and other intellectual property laws. You may not copy, modify, or reverse engineer any part of the Service.
Our Service is currently available only to residents of the United States. We do not offer services to users in the European Union or other international jurisdictions.
Our Service may contain links to third-party websites or services. We are not responsible for the content, privacy policies, or practices of these third parties. Your use of third-party services is at your own risk.
THE SERVICE DOES NOT PROVIDE FINANCIAL, INVESTMENT, TAX, LEGAL, OR ACCOUNTING ADVICE.The information provided is for informational purposes only. You should consult your own financial, investment, tax, legal, and accounting advisors before making any financial decisions.
While we strive to provide accurate information about credit card benefits, we cannot guarantee the accuracy, completeness, or timeliness of all information. Credit card terms and benefits may change without notice. Always verify benefit details with your card issuer.
We do not guarantee that the Service will be available at all times or without interruption. We may modify or discontinue the Service at any time without notice.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, USE YOUR CREDITS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION, LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM YOUR USE OF THE SERVICE.
Our total liability to you for any claims arising from your use of the Service shall not exceed the amount you paid us in the 12 months preceding the claim.
You agree to indemnify and hold harmless Use Your Credits, its affiliates, and their respective officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from your use of the Service or violation of these Terms.
We may terminate or suspend your account immediately, without prior notice or liability, for any reason, including if you breach these Terms. Upon termination, your right to use the Service will cease immediately.
These Terms shall be governed by and construed in accordance with the laws of Delaware, without regard to its conflict of law provisions. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the courts in Delaware.
We reserve the right to modify these Terms at any time. If we make material changes, we will notify you by email or through the Service. Your continued use of the Service after such modifications constitutes your acceptance of the updated Terms.
If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary so that these Terms will otherwise remain in full force and effect.
These Terms, together with our Privacy Policy, constitute the entire agreement between you and Use Your Credits regarding the Service and supersede all prior agreements and understandings.
If you have any questions about these Terms, please contact us at:
Email: support@useyourcredits.com
By using Use Your Credits, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service and our Privacy Policy.