CardWise AI Terms of Use

1. Acceptance of Terms

By installing, accessing, or using the CardWise AI browser extension, website, or optional AI services (collectively, the “Service”) provided by NimbleScale.ai (“NimbleScale,” “we,” “us,” or “our”), you agree to be bound by these Terms of Use and our Privacy Policy. If you do not agree to these Terms, please uninstall the extension and discontinue use of the Service.

2. Informational Purpose Only (No Financial Advice)

CardWise AI is an educational calculator and decision-support tool designed to estimate credit card reward multipliers, points valuations, and category matches at online checkouts.

3. Merchant Category Codes (MCCs) & Reward Accuracy

While CardWise AI combines curated card templates, merchant domain rules, and optional AI verification (powered by TypeSafe Jev and OpenAI) to provide high-confidence recommendations, we cannot guarantee that any transaction will earn a specific reward rate:

• Merchant Coding Is Controlled by Payment Networks: Credit card issuers award bonus points based on the Merchant Category Code (MCC) assigned to the merchant by Visa, Mastercard, American Express, or Discover—not by a website’s domain name alone.
• Third-Party Wallets, Marketplaces & Portals: Checking out through third-party marketplaces, Buy-Now-Pay-Later (BNPL) providers, digital wallets, or travel portals may alter how a transaction is coded by your card issuer.
• Caps, Activations & Issuer Changes: Quarterly rotating categories, spending caps, promotional offers, and card terms may require manual enrollment with your bank and can change at any time without notice. You are responsible for verifying your card’s current rules in your local CardWise profile.

4. Free Extension, Trial Quotas & Paid Subscriptions

• Free Core Extension: The core CardWise AI extension—including the local 70+ card catalog, deterministic checkout recommendations, custom card rules, point valuations, and local savings tracker—is provided free of charge.
• AI Trial & Paid Tiers: Optional cloud AI features (Checkout Enrichment and Card Source Analysis) are subject to usage quotas. If you subscribe to a paid Plus or Pro tier, billing is processed securely via Stripe on a recurring monthly basis until canceled.
• Cancellation: You may cancel or manage your subscription at any time through the Manage subscription button in the CardWise AI Options page or by emailing hello@nimblescale.ai.

5. Acceptable Use & Restrictions

You agree not to:

• Use the Service for any unlawful, fraudulent, or unauthorized purpose;
• Attempt to probe, scan, overload, or bypass rate limits or security controls on the CardWise AI backend API;
• Submit internal network URLs, private IP addresses, or malicious payloads to the Card Source Analyzer;
• Redistribute or sell repackaged copies of the CardWise AI extension under another brand on browser extension stores without prior written permission.

6. Third-Party Trademarks & Independence

CardWise AI is an independent product developed by NimbleScale.ai. All credit card product names, issuer names, and reward program names mentioned in the extension—including but not limited to Chase Ultimate Rewards®, American Express Membership Rewards®, Capital One®, Citi ThankYou®, Discover®, Wells Fargo®, Bank of America®, U.S. Bank®, Bilt®, Visa®, and Mastercard®—are the trademarks or registered trademarks of their respective owners. Reference to any card product is strictly for nominative, informational comparison and does not imply endorsement, sponsorship, or affiliation.

7. Disclaimer of Warranties & Limitation of Liability

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, NIMBLESCALE.AI SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR ANY MISSED CREDIT CARD REWARDS, POINTS, CASHBACK, OR ANNUAL FEES ARISING OUT OF OR RELATED TO YOUR USE OF CARDWISE AI. OUR TOTAL CUMULATIVE LIABILITY FOR ANY CLAIM RELATING TO THE SERVICE SHALL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID TO NIMBLESCALE.AI FOR THE SERVICE IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM OR (B) TWENTY U.S. DOLLARS ($20.00).

8. Updates to Terms & Contact Information

We may update these Terms from time to time by posting the revised version at https://nimblescale.ai/CardWise/terms. Continued use of CardWise AI after changes become effective constitutes acceptance of the revised Terms.

Questions? Contact NimbleScale.ai at hello@nimblescale.ai or visit nimblescale.ai/CardWise/support.