Terms of Service

By accessing or using Perkmon ("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. We reserve the right to modify these terms at any time, and your continued use of the Service constitutes acceptance of any changes.

Perkmon is a credit card benefits tracking and management application. The Service allows you to track credit card benefits, receive reminders for expiring perks, and optimize card usage. The Service is intended for production use. Some features may be labeled beta or experimental and may change over time. The Service is provided for informational purposes only and does not constitute financial advice.

You must be at least the age of majority in your jurisdiction (and at least 18 years old) to create an account or use features that require one. The Service is not directed to children under 13, and we do not knowingly collect their information. By using the Service, you represent that you meet these requirements.

To use certain features of the Service, you must create an account. You agree to: • Provide accurate and complete registration information • Maintain the security of your account credentials • Notify us immediately of any unauthorized use of your account • Accept responsibility for all activities under your account • Not register an account using automated means or bots • Maintain one account per person unless we authorize otherwise • Not share, sell, or transfer your account credentials Violations of these Terms may result in suspension or termination of your account as described in the Termination section.

Perkmon offers a free tier and optional paid subscriptions ("Pro"). The current plans, prices, billing periods, and any promotional discounts are shown at the point of purchase and on our pricing page, and may change as described below. • Where you purchase: how a paid subscription is sold and billed depends on the platform you use. For web purchases, payment is processed by Stripe acting as our payment processor, and Perkmon is the merchant/seller of record. For mobile purchases through the Apple App Store or Google Play, the applicable store is the merchant of record and handles the sale, billing, refunds, and applicable taxes for that transaction under its own terms. • Free trials: a paid plan may include a free trial. Unless you cancel before the trial ends, your subscription automatically converts to a paid subscription and the then-current price is charged. • Automatic renewal: paid subscriptions renew automatically at the end of each billing period (for example, monthly or yearly) at the then-current price until you cancel. By subscribing, you authorize recurring charges through the applicable processor or app store. • Cancellation: you may cancel renewal at any time. For web subscriptions, manage or cancel through your account; for Apple App Store or Google Play subscriptions, you must manage or cancel through your Apple or Google account, subject to their terms. Cancellation stops future renewals, and you retain access through the end of the current paid period. • Refunds: except where required by law, payments are non-refundable. For web purchases, refund requests are handled by us and may be directed to [email protected]. Purchases made through the Apple App Store or Google Play are governed by those stores' refund policies, and refund requests for store purchases must be submitted through the respective store. • Price changes: we may change subscription prices. We will provide notice of material price changes before they take effect, and changes apply to the next billing period. Continued use after a price change takes effect constitutes acceptance. • Taxes: prices may be exclusive of applicable taxes, which may be added at checkout.

You agree not to: • Use the Service for any unlawful purpose • Attempt to gain unauthorized access to any part of the Service • Interfere with or disrupt the Service or servers • Transmit viruses or malicious code • Collect user information without consent • Impersonate any person or entity • Scrape, data-mine, or use automated means to extract content or data from the Service, except as expressly permitted (for example, by our robots.txt or with our prior written consent) • Resell, sublicense, or redistribute access to the Service or its data • Bypass security measures or place an unreasonable load on our infrastructure

The Service may link to third-party websites and resources (such as card issuers, transfer partners, and offer pages). Those are governed by the third parties' own terms. We do not control and are not responsible for their content, availability, or accuracy. Always verify offer and benefit details directly with the issuer or provider.

The Service is currently provided without affiliate compensation on outbound links. If we introduce affiliate, sponsored, or partner links in the future, we will disclose those relationships clearly. Any such relationships will not determine the benefit information we present or how we rank or describe benefits; rankings and descriptions reflect our editorial judgment, not compensation. This is consistent with our Privacy Policy, under which we do not permit third-party cross-site behavioral advertising.

The Service and its original content, features, and functionality are owned by Perkmon and are protected by international copyright, trademark, and other intellectual property laws. Credit card product names, logos, and associated benefits are trademarks of their respective owners.

We aim to keep the Service available but do not guarantee that it will be uninterrupted, timely, secure, or error-free. The Service may be unavailable from time to time due to maintenance, updates, technical issues, or circumstances beyond our reasonable control, including events of force majeure such as outages of third-party infrastructure, network or hosting failures, or natural events. We may modify, suspend, or discontinue all or part of the Service, including individual features, at any time, with or without notice. Where we permanently discontinue a paid feature, we will handle any affected paid subscriptions in accordance with applicable law and the cancellation and refund rules of the applicable store or payment processor. To the maximum extent permitted by law, we are not liable for any loss arising from any interruption, modification, suspension, or discontinuation of the Service.

THE SERVICE IS PROVIDED "AS IS" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. WE DO NOT GUARANTEE THE ACCURACY, COMPLETENESS, OR TIMELINESS OF BENEFIT INFORMATION. Credit card benefits may change without notice by card issuers. Always verify benefit details directly with your card issuer. Any calculator or tool outputs are estimates for informational purposes only and are not a recommendation to apply for, or use, any particular financial product.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING LOSS OF PROFITS, DATA, OR OTHER INTANGIBLE LOSSES, RESULTING FROM YOUR USE OF THE SERVICE OR RELIANCE ON BENEFIT INFORMATION PROVIDED.

You agree to indemnify and hold harmless Perkmon from any claims, damages, losses, liabilities, and expenses (including reasonable legal fees) arising out of (a) your breach of these Terms, (b) your violation of any law, or (c) your violation of any third-party right. This does not apply to the extent a claim arises from Perkmon's own negligence or willful misconduct.

We may terminate or suspend your account and access to the Service immediately, without prior notice, for conduct that we believe violates these Terms or is harmful to other users, us, or third parties. You may delete your account at any time through the Settings page.

Provisions that by their nature should survive termination — including Intellectual Property, Disclaimers, Limitation of Liability, Indemnification, Governing Law and Dispute Resolution, and General — will continue to apply after your account or access ends.

These Terms are governed by the laws of the State of California, excluding conflict-of-law rules. Before filing a formal claim, you agree to first contact us at [email protected] and attempt informal resolution for at least 30 days. If a dispute is not resolved informally, it will be resolved by binding individual arbitration in Santa Clara County, California under applicable consumer arbitration rules, except that either party may bring qualifying claims in small claims court. You and Perkmon waive any right to participate in class actions or class arbitration.

Service operator: Perkmon (perkmon.com) Legal and support contact: [email protected]

By using the Service, you consent to receive communications from us electronically, including legal notices, at the email associated with your account or posted within the Service. To the extent permitted by applicable law, electronic communications satisfy any requirement that such communications be in writing. Where applicable law requires separate consent or specific disclosures for the electronic delivery of a particular notice, this clause does not replace those requirements.

These Terms, together with our Privacy Policy, are the entire agreement between you and Perkmon regarding the Service. If any provision is held invalid or unenforceable, the remaining provisions remain in full effect and the invalid provision will be enforced to the maximum extent permitted by law. Our failure to enforce any right or provision is not a waiver of it. You may not assign these Terms without our consent; we may assign them in connection with a merger, acquisition, or sale of assets.

We may update these Terms from time to time. If we make material changes, we will post the updated Terms and update the "Last updated" date above. Continued use of the Service after changes become effective constitutes acceptance of the updated Terms.