These Terms of Service ("Terms") govern your access to and use of CardIQ, operated by CardIQ LLC (" "we," "us," or "our"). By accessing or using CardIQ, you agree to be bound by these Terms. If you do not agree, do not use the Service.
CardIQ is a personal finance tool that analyzes your credit card spending and recommends credit cards that may earn you more rewards based on your spending patterns. CardIQ uses transaction data from your bank accounts (via Plaid) or from PDF statements you upload (analyzed via Anthropic's Claude AI) to calculate estimated annual rewards across a database of credit cards.
CardIQ is not a financial advisor. Recommendations are estimates based on publicly available reward rates and your historical spending. They are provided for informational purposes only and do not constitute financial, legal, or credit advice. Always review a card's full terms before applying.
You must be at least 18 years old and a resident of the United States to use CardIQ. By using the Service, you represent and warrant that you meet these requirements.
CardIQ charges a one-time fee of $2.99 per analysis session. Payment is processed securely by Stripe. All fees are in US dollars.
$100 Savings Guarantee: If CardIQ cannot identify a credit card that would earn you at least $100 more per year than your current card based on your spending data, we will refund your $2.99 fee upon request. To request a refund under this guarantee, email ryan.c.holman12@gmail.com within 30 days of your analysis with your analysis results. Refunds are processed within 5–10 business days.
Except as described above, all payments are non-refundable.
You are responsible for maintaining the security of your account credentials. You agree to provide accurate information when creating your account and using the Service.
When you connect your bank account via Plaid, you authorize CardIQ to retrieve your transaction history through Plaid's API. CardIQ has read-only access — we cannot initiate transactions, move money, or access account numbers beyond what Plaid provides.
When you upload a PDF statement, you confirm that you are the owner of the account shown in the statement and that you have the right to share this information for the purpose of receiving card recommendations.
CardIQ's recommendations are estimates only. Actual rewards earned may differ from our projections due to:
CardIQ makes no guarantee that you will earn any specific amount of rewards from any recommended card. You should review the full terms and conditions of any credit card before applying.
CardIQ may display links to apply for credit cards. These links may be affiliate links through which CardIQ earns a referral fee if you are approved for the card. The presence of an affiliate relationship does not affect our recommendations — cards are ranked solely based on estimated value for your spend profile.
CardIQ does not guarantee approval for any credit card. Credit card issuers make their own approval decisions based on your creditworthiness.
You agree not to:
CardIQ and all associated content, features, and functionality are owned by CardIQ LLC and are protected by applicable intellectual property laws. You may not copy, reproduce, or create derivative works from CardIQ without our express written permission.
THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR THAT ANY DEFECTS WILL BE CORRECTED.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, RYAN HOLMAN AND CARDIQ SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, OR GOODWILL, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF THE SERVICE.
IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU EXCEED THE AMOUNT YOU PAID TO US IN THE THREE MONTHS PRECEDING THE CLAIM, OR $2.99, WHICHEVER IS GREATER.
You agree to indemnify and hold harmless CardIQ LLC from any claims, damages, losses, or expenses (including reasonable attorneys' fees) arising from your use of the Service, your violation of these Terms, or your violation of any rights of a third party.
CardIQ integrates with Plaid, Stripe, Anthropic, and Vercel. Your use of these services is subject to their respective terms of service and privacy policies. CardIQ is not responsible for the availability, accuracy, or practices of any third-party service.
We reserve the right to modify or discontinue the Service at any time without notice. We may also update these Terms from time to time. Continued use of the Service after any changes constitutes your acceptance of the updated Terms. We will update the "Last updated" date at the top of this page when changes are made.
These Terms are governed by the laws of the State of South Carolina, without regard to its conflict of law provisions. Any disputes arising under these Terms shall be resolved through binding arbitration in Charleston, South Carolina, except that either party may seek injunctive relief in a court of competent jurisdiction for intellectual property violations.
If any provision of these Terms is found to be unenforceable, the remaining provisions will remain in full force and effect.
Questions about these Terms? Contact us at:
CardIQ LLC
ryan.c.holman12@gmail.com
Mount Pleasant, SC