Terms of Service

1. Acceptance of Terms

By accessing or using CardMatch at cardmatch.io ("the Service"), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use the Service.

2. Description of Service

CardMatch is an independent credit card comparison tool. We analyze your spending habits and estimate which credit cards would provide the most annual value based on publicly available reward rates. CardMatch is not a financial advisor and does not provide personalized financial advice.

3. Disclaimer of Warranties

The Service is provided "as is" without warranties of any kind. We do not guarantee that:

• Card reward rates, annual fees, or sign-up bonuses shown are current or accurate. Always verify terms directly with the card issuer.
• The estimated annual value calculations represent what you will actually earn.
• You will be approved for any credit card shown.
• The Service will be uninterrupted or error-free.

4. Affiliate Disclosure

CardMatch contains affiliate links. When you click "Apply Now" and are approved for a credit card, we may receive a commission from the card issuer or an affiliate network at no cost to you. Our editorial rankings are not influenced by these relationships — cards are always ranked by estimated value for your spending profile.

5. Not Financial Advice

Nothing on CardMatch constitutes financial, legal, or tax advice. Credit card decisions involve your personal financial situation, credit score, and individual needs. We recommend consulting a qualified financial advisor before making significant financial decisions. Applying for a credit card may affect your credit score.

6. User Responsibilities

By using CardMatch, you agree to:

• Use the Service only for lawful purposes.
• Not attempt to reverse engineer, scrape, or abuse the Service.
• Not upload files containing malicious code or content.
• Take responsibility for verifying card terms directly with issuers before applying.

7. Uploaded Data

When you upload bank statements or other files, you represent that you have the right to do so. We process these files solely to extract spending information for your recommendation. We do not share your uploaded data with third parties. See our Privacy Policy for more details.

8. Limitation of Liability

To the maximum extent permitted by law, CardMatch and its operators shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of the Service, including but not limited to decisions made based on our card recommendations.

9. Intellectual Property

All content on CardMatch, including text, design, and code, is owned by or licensed to CardMatch. Credit card names, logos, and trademarks are the property of their respective owners. CardMatch is not affiliated with or endorsed by any credit card issuer.

10. Changes to Terms

We may update these Terms of Service at any time. Continued use of CardMatch after changes are posted constitutes acceptance of the revised terms.

11. Governing Law

These Terms shall be governed by the laws of the State of Utah, without regard to conflict of law provisions.

12. Contact Us

Questions about these Terms? Contact us at hello@cardmatch.io.