1. Acceptance of Terms
By accessing or using Perkly (“the Service”), operated by Perkly Inc. (“we,” “us,” or “our”), you agree to be bound by these Terms of Service (“Terms”). If you do not agree to these Terms, do not use the Service. We may update these Terms from time to time; material changes will be notified via email or through the Service. Continued use after changes take effect constitutes acceptance of the new Terms.
2. Description of Service
Perkly is a credit card benefit optimization platform that helps users track benefits, optimize spending, and discover card recommendations. The Service provides informational tools including:
- Credit card benefit tracking and reminders
- Spend optimization recommendations
- Sign-up bonus (SUB) progress tracking
- Card recommendations based on user profiles
- Points and rewards balance tracking
- Balance and payment alerts
3. Not Financial Advice
Perkly is a tracker and organizer, not a financial advisor. The information displayed in the Service is for informational purposes only and does not constitute financial, investment, or legal advice. Benefit details, credit amounts, reward rates, and terms may change at any time at the discretion of card issuers. You should always confirm benefit details directly with your card issuer before making decisions based on information in the Service.
4. Account Registration
To use certain features of the Service, you must create an account. You represent and warrant that all registration information you provide is accurate, current, and complete. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You must notify us immediately of any unauthorized use of your account. You must be at least 18 years old to use the Service.
5. Subscriptions and Billing
Perkly offers a free tier and paid subscription plans (Pro and Premium). Paid subscriptions automatically renew at the end of each billing period unless canceled. You can manage or cancel your subscription through your account settings. Refunds are handled in accordance with our refund policy and applicable law. We may change subscription pricing or features with notice where required by law.
6. Acceptable Use
You agree to use the Service only for lawful purposes and in accordance with these Terms. You agree not to:
- Use the Service for any illegal or unauthorized purpose
- Attempt to gain unauthorized access to the Service or its systems
- Interfere with or disrupt the integrity or performance of the Service
- Reverse engineer, decompile, or disassemble any part of the Service
- Use automated scripts, bots, or scrapers to access the Service without our permission
- Upload or transmit viruses, malware, or any malicious code
7. Accuracy of Information
While we strive to keep benefit information accurate and up to date, we make no guarantees about the completeness or accuracy of the data displayed. Credit card issuers may modify, add, or remove benefits at any time without notice. Perkly is not affiliated with any credit card issuer or financial institution. You are responsible for the accuracy of the information you enter into the Service.
8. AI Features
Some features of the Service may use artificial intelligence to generate insights, recommendations, or responses. AI-generated content is informational only, is not financial or professional advice, and may be inaccurate or incomplete. Always verify important details with your card issuer or financial institution. Do not enter passwords, full card numbers, or other sensitive credentials into AI features.
9. Intellectual Property
All content, design, and functionality of Perkly, including but not limited to text, graphics, logos, and software, are owned by Perkly Inc. and are protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from any part of the Service without our written permission.
10. Termination
We may suspend or terminate your access to the Service at any time if you violate these Terms, misuse the Service, or create risk or legal exposure for us. You may delete your account at any time through your account settings. Upon termination, your right to use the Service ceases immediately. Sections of these Terms that by their nature should survive termination (including disclaimers, limitations of liability, indemnification, and dispute resolution) shall survive.
11. Indemnification
You agree to indemnify and hold harmless Perkly Inc. and its officers, directors, employees, and agents from any claims, damages, liabilities, and expenses (including reasonable attorneys' fees) arising from your misuse of the Service, your violation of these Terms, or your violation of any law or the rights of a third party.
12. Disclaimer of Warranties
THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF HARMFUL COMPONENTS. NO METHOD OF ELECTRONIC TRANSMISSION OR STORAGE IS COMPLETELY SECURE, AND WE DO NOT WARRANT ABSOLUTE SECURITY.
13. Limitation of Liability
TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW: (A) PERKLY INC. AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS 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 RESULTING FROM YOUR USE OF OR INABILITY TO USE THE SERVICE; AND (B) OUR TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS RELATING TO THE SERVICE SHALL NOT EXCEED THE GREATER OF THE AMOUNTS YOU PAID US IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM OR ONE HUNDRED U.S. DOLLARS ($100).
14. Dispute Resolution
If you have a dispute with us, you agree to first contact us to resolve it informally. Any dispute not resolved informally shall be resolved by binding individual arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules. You and Perkly each waive the right to a trial by jury and to participate in a class action. Arbitration shall take place in San Francisco County, California, or remotely by videoconference at your election.
15. Governing Law
These Terms shall be governed by and construed in accordance with the laws of the State of California, without regard to conflict of law principles, except as superseded by the Federal Arbitration Act with respect to the Dispute Resolution section.
16. Contact Us
If you have any questions about these Terms of Service, please contact us at support@myperkly.app.
Perkly Inc.
San Francisco, California