Terms of Service

1. Acceptance of Terms

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.

2. Description of Service

Use Your Credits provides:

• Credit card benefit tracking and reminders
• Notifications about expiring benefits
• Information about restaurants and merchants accepting specific card benefits
• Analytics about benefit usage patterns
• Premium features for enhanced tracking and notifications

Our Service is informational only. We do not make recommendations about financial products or provide financial advice.

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
• Notify us immediately of any unauthorized use
• Be responsible for all activities under your account

Age Requirement

You must be at least 18 years old to use our Service. By using the Service, you represent that you meet this age requirement.

4. Acceptable Use

You agree not to:

• Use the Service for any unlawful purpose
• Attempt to gain unauthorized access to our systems
• Interfere with or disrupt the Service
• Scrape or harvest data from the Service
• Impersonate another person or entity
• Share your account credentials with others
• Use the Service to spam or harass others

5. User Content

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.

6. Premium Subscriptions

Billing

Premium features require a paid subscription. Subscriptions are billed in advance on a monthly or annual basis. All payments are processed through Stripe.

Cancellation and Refunds

You may cancel your subscription 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.

Price Changes

We reserve the right to change subscription prices with 30 days' notice. Price changes will take effect at the start of your next billing period.

7. Intellectual Property

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.

8. Service Availability

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.

9. Third-Party Services

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.

10. Disclaimers

No Financial Advice

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.

Accuracy of Information

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.

Service Availability

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.

11. Limitation of Liability

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.

12. Indemnification

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.

13. Termination

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.

14. Governing Law

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.

15. Changes to Terms

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.

16. Severability

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.

17. Entire Agreement

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.

18. Contact Information

If you have any questions about these Terms, please contact us at:

Email: support@useyourcredits.com