1. Acceptance of terms
By accessing the SwipeIQ website, mobile application, or related services, users agree to these Terms of Use and any other policies referenced here. If a user does not agree, they should not use the service.
2. Service description
SwipeIQ provides informational tools designed to help users evaluate which credit card may be best for a purchase based on user-provided wallet data, reward assumptions, and benefit logic. SwipeIQ does not guarantee financial outcomes, issuer approvals, credit decisions, or benefit coverage results.
3. No financial, legal, or tax advice
SwipeIQ is an informational product and does not provide financial planning, legal advice, tax advice, or individualized professional recommendations. Users remain responsible for reviewing their own card terms and issuer documentation.
4. Eligibility and account responsibilities
Users must be legally permitted to use the service in their jurisdiction and are responsible for maintaining accurate information, safeguarding any account credentials, and using the service lawfully.
5. User content and submissions
Users may submit wallet information, form entries, support requests, and other content needed to operate the service. Users are responsible for the accuracy of what they submit and must not provide content they do not have the right to share.
6. Intellectual property
The SwipeIQ brand, website design, app interface, graphics, copy, software, and related materials are owned by SwipeIQ or its licensors and are protected by applicable intellectual property laws. No rights are granted except as expressly stated.
7. Acceptable use
Users may not misuse the service, attempt unauthorized access, interfere with infrastructure, reverse engineer protected portions of the product where restricted by law, scrape content at scale, or use the service in ways that violate applicable laws or third-party rights.
8. Availability and modifications
SwipeIQ may update, modify, suspend, or discontinue portions of the website, app, or features at any time. Roadmap items and forward-looking descriptions are provided for general information and do not create a binding obligation to deliver any specific capability.
9. Disclaimer of warranties
To the fullest extent permitted by law, SwipeIQ is provided on an “as is” and “as available” basis without warranties of any kind, whether express or implied.
10. Limitation of liability
To the fullest extent permitted by law, SwipeIQ and its affiliates will not be liable for indirect, incidental, consequential, special, exemplary, or punitive damages, or for loss of profits, data, goodwill, or business interruption arising from use of the service.
11. Governing law
These Terms are governed by the laws applicable to the entity operating SwipeIQ, without regard to conflict-of-law principles, unless applicable law requires otherwise.
12. Contact
For questions about these Terms, contact SwipeIQ at legal@swipeiq.app.