Terms and Conditions

1. Eligibility

You must be at least 18 years old and able to form a binding contract to use the Service. By using the Service, you represent and warrant that you meet these requirements and that all information you provide is accurate. The Service is intended for use in the United States; we make no representation that it is appropriate or available in other locations.

2. The Service — What It Is and What It Is Not

RewardArchitect is an informational and organizational tool that helps you track credit card benefits, sign-up and retention bonuses, spending you record, airport lounge access, and the annual value of credit cards you already hold, based on information you enter yourself.

IMPORTANT — NO FINANCIAL, TAX, OR LEGAL ADVICE. RewardArchitect does not provide financial, investment, tax, credit, or legal advice, and nothing in the Service constitutes such advice or a recommendation to apply for, keep, cancel, or use any financial product. We are not a bank, financial institution, financial advisor, credit counselor, or broker. All outputs — including optimization suggestions, “keep or cancel” recommendations, bonus-deadline estimates, and value calculations — are automated informational estimates based solely on the data you enter and on general, publicly available card-program information that may be incomplete, outdated, or inaccurate. You are solely responsible for your financial decisions and should verify all terms directly with your card issuer and consult a qualified professional before acting.

NO AFFILIATION WITH ISSUERS. RewardArchitect is not affiliated with, endorsed by, or sponsored by any credit card issuer, bank, airline, hotel, lounge network, or rewards program. Card names and program details are referenced for identification and informational purposes only, and all trademarks belong to their respective owners. Card benefits, fees, bonus terms, and eligibility rules are set by the issuers and change frequently; the issuer’s own terms always control.

3. Accounts and Security

To use most features, you must create an account. You agree to (a) provide accurate information, (b) keep your password confidential, and (c) be responsible for all activity under your account. You must notify us promptly at info@rewardarchitect.com of any unauthorized use. We are not liable for losses arising from your failure to safeguard your credentials. We may suspend or terminate accounts that we reasonably believe are compromised, fraudulent, or in violation of these Terms.

4. Subscriptions, Billing, and Free Features

4.1 Paid Subscriptions

Some features require a paid subscription. Subscription pricing, billing frequency, and included features are presented at the point of purchase. Paid subscriptions purchased through our website are billed through our payment processor, Stripe. By subscribing, you authorize us and Stripe to charge your payment method on a recurring basis (e.g., monthly or annually) until you cancel.

4.2 Automatic Renewal

Subscriptions automatically renew at the end of each billing period at the then-current rate unless you cancel before the renewal date. We will charge the payment method on file. You can review the renewal date in your account.

4.3 Cancellation

You may cancel at any time through your account settings or the Stripe billing portal. Cancellation stops future renewals; it does not retroactively refund the current period. Upon cancellation, you retain access to paid features until the end of the current paid period.

4.4 Refunds

We offer a 14-day money-back guarantee: if you are not satisfied within 14 days of a new subscription purchase or a plan upgrade, contact us at info@rewardarchitect.com for a full refund of that charge. Outside of that 14-day window, and except where required by applicable law, fees are non-refundable, and we do not provide refunds or credits for partial periods, unused features, or downgrades.

4.5 In-App Purchases (if applicable)

If you purchase a subscription through the Apple App Store or Google Play, that transaction is handled by the applicable app store under its own terms, and cancellations and refunds are governed by that store’s policies, not by Stripe or by us directly.

4.6 Price Changes

We may change subscription prices. We will give you advance notice of any price increase, and the new price will apply on your next renewal after the notice period. If you do not agree, you may cancel before the change takes effect.

4.7 Taxes

Prices exclude applicable taxes unless stated. You are responsible for any taxes associated with your purchase, which may be collected by us or Stripe.

5. License to Use the Service

Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Service for your personal, non-commercial use. The mobile apps are licensed, not sold, to you.

6. Acceptable Use

You agree not to:

• Use the Service for any unlawful, fraudulent, or unauthorized purpose;
• Reverse engineer, decompile, disassemble, scrape, or attempt to extract source code or underlying data structures, except to the extent this restriction is prohibited by law;
• Use bots, scrapers, or automated means to access the Service or harvest data, or resell, sublicense, or commercially exploit the Service or its content;
• Interfere with, disrupt, overload, or attempt to gain unauthorized access to the Service, its servers, or related systems;
• Upload malware or transmit any material that is unlawful, infringing, or harmful;
• Circumvent usage limits, access controls, or security features;
• Misrepresent your identity or impersonate any person or entity.

We may investigate and take appropriate action, including suspension or termination and referral to law enforcement, for any violation.

7. User Content

“User Content” means the data you enter into the Service (card portfolio, spending figures, benefit logs, notes, and similar). You retain ownership of your User Content. You grant us a limited, worldwide, royalty-free license to host, store, process, and display your User Content solely to operate and provide the Service to you and as described in our Privacy Policy. You represent that you have the right to submit your User Content and that it does not violate any law or third-party right. You are solely responsible for the accuracy of your User Content, and you acknowledge that the Service’s outputs depend entirely on the accuracy of what you enter.

8. Intellectual Property

The Service — including its software, design, text, graphics, logos, “RewardArchitect” name and branding, and all associated intellectual property — is owned by us or our licensors and is protected by U.S. and international law. Except for the limited license in Section 5, these Terms grant you no rights in our intellectual property. You may not use our name, logo, or trademarks without our prior written consent. All feedback or suggestions you provide may be used by us without obligation to you.

9. Third-Party Services and Links

The Service relies on and may link to third-party services (e.g., Stripe for payments, cloud hosting, and issuer or lounge websites for reference). We are not responsible for third-party services or content, and your use of them is governed by their own terms and privacy policies. References to card products or programs do not imply endorsement.

10. Accuracy of Information; No Guarantee of Results

Card-program details, bonus offers, benefit values, lounge access rules, and eligibility rules (such as issuer application rules) change frequently and vary by individual, offer, and timing. We do not warrant that any information, estimate, calculation, or recommendation in the Service is accurate, complete, current, or applicable to your specific situation. You may lose a bonus, miss a benefit, incur a fee, or be denied a product regardless of what the Service indicates. Always confirm terms directly with the issuer. We are not responsible for any missed bonuses, forfeited benefits, incurred fees, denied applications, credit-score effects, or other outcomes resulting from your reliance on the Service.

11. App Store Terms

Your download and use of the mobile apps is also subject to the terms of the app store from which you obtained them.

Apple-Specific Terms. If you use the iOS app, you acknowledge that these Terms are between you and us, not Apple, and that Apple is not responsible for the app or its content. Apple has no obligation to provide maintenance or support for the app. In the event of any failure of the app to conform to any applicable warranty, you may notify Apple and, to the maximum extent permitted by law, Apple will have no other warranty obligation. Apple is not responsible for addressing any claims relating to the app, including product liability, legal or regulatory compliance, or intellectual property claims. You represent that you are not located in a U.S.-embargoed country or on a U.S. government restricted-parties list. Apple and its subsidiaries are third-party beneficiaries of these Terms and may enforce them against you. You must comply with applicable third-party agreements (e.g., your wireless data plan).

Google-Specific Terms. If you use the Android app, your use is also subject to the Google Play Terms of Service.

12. Modifications to the Service

We may modify, suspend, or discontinue any part of the Service at any time, with or without notice. We are not liable to you or any third party for any modification, suspension, or discontinuation, except that if we discontinue a paid feature you have prepaid for, we will provide a pro-rated refund for the affected prepaid period.

13. Disclaimer of Warranties

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY. TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT, AND ANY WARRANTIES ARISING FROM COURSE OF DEALING OR USAGE OF TRADE. We do not warrant that the Service will be uninterrupted, secure, error-free, or that any information or output will be accurate or reliable. Some jurisdictions do not allow the exclusion of certain warranties, so some of the above may not apply to you.

14. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT WILL RewardArchitect OR ITS OWNERS, OFFICERS, EMPLOYEES, OR SUPPLIERS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOST PROFITS, LOST DATA, LOST BONUSES OR REWARDS, FORFEITED BENEFITS, FEES INCURRED, OR CREDIT-RELATED DAMAGES, ARISING OUT OF OR RELATING TO YOUR USE OF (OR INABILITY TO USE) THE SERVICE, WHETHER BASED IN CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR OTHERWISE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

OUR TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS RELATING TO THE SERVICE WILL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID US IN THE 12 MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM, OR (B) US $100.

Some jurisdictions do not allow certain limitations, so some of the above may not apply to you. Nothing in these Terms limits liability that cannot be limited by law.

15. Indemnification

You agree to indemnify, defend, and hold harmless RewardArchitect and its owners, officers, employees, and agents from any claims, liabilities, damages, losses, and expenses (including reasonable attorneys’ fees) arising out of or related to (a) your use of the Service, (b) your violation of these Terms, (c) your violation of any law or third-party right, or (d) your User Content.

16. Termination

You may stop using the Service and delete your account at any time (see the Privacy Policy for deletion methods). We may suspend or terminate your access at any time, with or without cause or notice, including for violation of these Terms. Upon termination, your license ends and we may delete your account and User Content, subject to our Privacy Policy and applicable law. Sections that by their nature should survive termination (including Sections 7–8, 10, 13–15, 17–18) will survive.

17. Dispute Resolution — Arbitration Agreement and Class Action Waiver

PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR RIGHTS.

17.1 Informal Resolution First

Before filing any claim, you agree to first contact us at info@rewardarchitect.com and attempt to resolve the dispute informally for at least 30 days.

17.2 Binding Arbitration

If we cannot resolve a dispute informally, you and we agree that any dispute, claim, or controversy arising out of or relating to these Terms or the Service will be resolved by binding individual arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules, rather than in court, except as provided below. The arbitration will be conducted in Miami-Dade County, Florida or by video/telephone, and judgment on the award may be entered in any court of competent jurisdiction. The Federal Arbitration Act governs the interpretation and enforcement of this section.

17.3 Class Action Waiver

YOU AND WE AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY CLASS, COLLECTIVE, OR REPRESENTATIVE PROCEEDING. The arbitrator may not consolidate more than one person’s claims or preside over any form of representative or class proceeding.

17.4 Exceptions

Either party may bring an individual claim in small claims court, and either party may seek injunctive or equitable relief in court to protect its intellectual property or confidential information.

17.5 Opt-Out

You may opt out of this arbitration agreement within 30 days of first accepting these Terms by emailing info@rewardarchitect.com with your name, account email, and a statement that you opt out of arbitration. Opting out does not affect any other provision of these Terms.

18. Governing Law and Venue

These Terms are governed by the laws of the State of Florida, without regard to its conflict-of-laws rules, and, where applicable, by the Federal Arbitration Act. For any dispute not subject to arbitration, you consent to the exclusive jurisdiction and venue of the state and federal courts located in Miami-Dade County, Florida.

19. Changes to These Terms

We may update these Terms from time to time. If we make material changes, we will notify you by email or in-app notice before they take effect and update the “Last Updated” date. Your continued use of the Service after the effective date constitutes acceptance of the revised Terms. If you do not agree, you must stop using the Service.

20. Miscellaneous

• Entire Agreement. These Terms and the Privacy Policy are the entire agreement between you and us regarding the Service and supersede any prior agreements.
• Severability. If any provision is held unenforceable, the rest remains in effect, and the unenforceable provision will be modified to the minimum extent necessary (except that if the class-action waiver in 17.3 is held unenforceable, the entire arbitration agreement in Section 17 will be void).
• No Waiver. Our failure to enforce any provision is not a waiver.
• Assignment. You may not assign these Terms without our consent. We may assign them, including in connection with a merger, acquisition, or sale of assets.
• Force Majeure. We are not liable for delays or failures caused by events beyond our reasonable control.
• Relationship. No agency, partnership, joint venture, or employment relationship is created by these Terms.
• Notices. We may provide notices by email, in-app, or by posting to the Service.

21. Contact Us

RewardArchitect LLC
120 Jefferson Ave, 12018 Miami Beach, FL 33139
Email: info@rewardarchitect.com
Web: https://rewardarchitect.com