Please read these Terms carefully before using Cardpio. By creating an account or using the Service, you agree to be bound by these Terms. If you do not agree, do not use the Service.
Cardpio is a personal finance tool that helps individuals track and maximize their U.S. credit card benefits, credits, and rewards. The Service is operated by an individual based in Florida, United States.
You must be at least 18 years old to use Cardpio. Cardpio is designed for personal, non-commercial use only. By using the Service, you represent that you meet these requirements.
You are responsible for maintaining the confidentiality of your account credentials and for all activity under your account. Notify us at support@cardpio.com immediately if you suspect unauthorized access.
You agree to provide accurate and current information. We reserve the right to suspend or terminate accounts that violate these Terms or are used fraudulently.
Cardpio allows you to manually add your credit cards, track monetary credits and benefits, set reminders, and view summaries of your rewards activity. The Service does not connect to your bank accounts, does not store financial credentials, and does not make transactions on your behalf.
Card information displayed in the app is maintained on a best-effort basis and may not always be current. Always verify benefit details directly with your card issuer.
Cardpio offers a Free plan and paid Pro plans. The Free plan allows you to track up to 3 credit cards. Pro plans remove this limit and allow unlimited cards, along with access to additional features as they become available.
We do not currently serve advertisements within the Service. If this changes, we will update these Terms and notify users.
Paid plans are offered on the following terms:
Payments are processed securely by Stripe. By purchasing a paid plan, you authorize Stripe to charge your payment method on the terms described above. We do not store your full credit card details.
Cancellation. You may cancel your Pro Monthly subscription at any time through Settings → Manage subscription. Cancellation takes effect at the end of the current billing period; you retain Pro access until then. No partial refunds are issued for unused time on monthly plans.
Refunds. Lifetime purchases include a 7-day money-back guarantee. To request a refund, contact us at support@cardpio.com within 7 days of purchase. Monthly subscriptions are not eligible for refunds except where required by applicable law.
Upgrades. If you upgrade from Pro Monthly to Lifetime, your active monthly subscription will be cancelled automatically. You will not be charged again for the monthly plan.
We reserve the right to change pricing with reasonable advance notice. Price changes will not affect active Lifetime purchases.
You agree not to: violate any applicable law; attempt unauthorized access to the Service; transmit malicious code; scrape or harvest data by automated means; or use the Service in any manner that could damage or impair it.
The Cardpio name, logo, and all content and software are owned by or licensed to us. You may not copy, modify, distribute, or create derivative works without our prior written consent.
THE SERVICE IS PROVIDED "AS IS" WITHOUT WARRANTIES OF ANY KIND. TO THE FULLEST EXTENT PERMITTED BY LAW, WE SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, OR CONSEQUENTIAL DAMAGES. OUR TOTAL LIABILITY SHALL NOT EXCEED THE AMOUNT YOU PAID US IN THE TWELVE MONTHS PRECEDING THE CLAIM, OR TEN DOLLARS ($10), WHICHEVER IS GREATER.
You may delete your account at any time through Settings. We may suspend or terminate your access at any time, with or without cause. Upon termination of a paid plan, access continues until the end of the current billing period.
These Terms are governed by the laws of the State of Florida, United States. We may update these Terms from time to time and will notify you of material changes through the app or by email.
Questions about these Terms? Contact us at support@cardpio.com.