Terms of Service

By creating an account, accessing, or using the Service, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy.

If you do not agree to these Terms, you must not access or use the Service. We reserve the right to update these Terms at any time, and your continued use of the Service after any changes constitutes acceptance of the updated Terms.

Reward Stacking provides credit card reward optimization services, including:

• Personalized credit card recommendations based on spending patterns
• Real-time reward calculations and comparisons
• Educational content about credit card rewards and financial optimization
• Tools to track and manage multiple credit cards

The Service provides general information and estimates only. We are not a financial advisor, broker, or credit counselor. You should consult qualified professionals before making financial decisions. Any decisions you make based on the Service are at your own risk.

You must be at least 18 years old and capable of entering into a legally binding agreement to use this Service. By using the Service, you represent and warrant that you meet all eligibility requirements.

To access certain features of the Service, you must create an account. You agree to:

• Provide accurate, current, and complete information
• Maintain and promptly update your account information
• Keep your password secure and confidential
• Accept responsibility for all activities under your account
• Notify us immediately of any unauthorized use

You agree not to:

• Use the Service for any illegal or unauthorized purpose
• Violate any laws in your jurisdiction
• Submit false or misleading information
• Interfere with or disrupt the Service or servers
• Attempt to gain unauthorized access to any portion of the Service
• Use automated systems or software to extract data from the Service
• Impersonate another person or entity

Reward Stacking may display advertisements, promotional offers, or affiliate links within the Service. If you choose to apply for a credit card or product through such links, we may receive compensation from the issuer or partner.

Compensation may influence how and where products appear within the Service but does not change our commitment to providing information we believe is accurate and helpful.

We do not guarantee approval for any financial product, and all terms are subject to the respective issuer.

The Service may contain links to third-party websites or services that are not owned or controlled by Reward Stacking. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services.

You acknowledge and agree that Reward Stacking shall not be responsible or liable for any damage or loss caused by your use of any such third-party content, goods, or services.

The Service and its original content, features, and functionality are owned by Reward Stacking and are protected by international copyright, trademark, patent, trade secret, and other intellectual property laws.

You may not copy, modify, distribute, sell, or lease any part of our Service or included software, nor may you reverse engineer or attempt to extract the source code of that software.

Your use of the Service is also governed by our Privacy Policy. Please review our Privacy Policy, which explains how we collect, use, and safeguard your information.

By using the Service, you may provide certain information such as credit card details (non-sensitive metadata like card name, issuer, reward category), spending patterns, merchant preferences, or other data related to your use of the Service ("User Data"). You retain all rights to your User Data, but grant Reward Stacking a limited, non-exclusive license to use it solely for the purpose of providing, maintaining, and improving the Service.

We do not request, collect, or store sensitive cardholder information such as full credit card numbers, CVVs, or banking credentials. You are solely responsible for ensuring that the data you provide is accurate and lawful.

For details about how we handle your information, please see our full Privacy Policy.

The Service is provided "as is" and "as available" without warranties of any kind.

We do not warrant that:

• The Service will be uninterrupted or error-free
• The results obtained from the Service will be accurate or reliable
• Any errors in the Service will be corrected

Credit card terms, rewards, and benefits can change at any time. We strive to keep our information current but cannot guarantee real-time accuracy.

To the maximum extent permitted by law, Reward Stacking shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses.

You agree to defend, indemnify, and hold harmless Reward Stacking, its affiliates, and their respective officers, directors, employees, and agents from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees arising out of or relating to your violation of these Terms or your use of the Service.

Any dispute arising from or relating to the subject matter of these Terms shall be finally settled by arbitration in San Francisco County, California, using the English language in accordance with the Arbitration Rules and Procedures of JAMS then in effect.

You and Reward Stacking agree that any dispute resolution proceedings will be conducted only on an individual basis and not in a class, consolidated, or representative action.

We may terminate or suspend your account and bar access to the Service immediately, without prior notice or liability, under our sole discretion, for any reason whatsoever, including without limitation if you breach the Terms.

You may terminate your account at any time by contacting us. Upon termination, your right to use the Service will cease immediately.

We reserve the right to modify these Terms at any time. If we make material changes, we will notify you by email or by posting a notice on the Service prior to the effective date of the changes.

Your continued use of the Service after the effective date of the revised Terms constitutes your acceptance of the changes.

These Terms constitute the entire agreement between you and Reward Stacking regarding the use of the Service, superseding any prior agreements.

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will continue to be valid and enforceable.

The failure of Reward Stacking to enforce any right or provision of these Terms will not be considered a waiver of those rights.

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