Terms of Service
Effective Date: November 1, 2026
Independent Informational Tool Only
CardLookout is an independent informational and organizational tool. CardLookout is not a licensed financial advisor, broker-dealer, tax advisor, or credit card issuer.
Credit card reward rates, point values, statement credits, annual fees, merchant category classifications, and promotion terms are determined solely by the respective issuing banks (including Chase, American Express, Capital One, Citi, Bilt, and others) and are subject to change without notice. CardLookout does not guarantee credit approval, reward fulfillment, or merchant categorization accuracy. You must verify all card terms, fees, and benefit details directly with your card issuer before applying or making financial decisions.
1. AI Card Advisor Disclaimer
Recommendations and estimates generated by the AI Card Advisor are automated informational outputs powered by large language models. While we strive to maintain accurate card catalog parameters, AI responses may contain errors, outdated offer details, or inaccurate assumptions about merchant codes. AI guidance does not constitute financial, legal, or investment advice.
2. Account & Authorized User Sharing
CardLookout allows primary cardholders to share card perks and credits with designated Authorized Users. When inviting an Authorized User, you are responsible for providing an accurate recipient email address. CardLookout delivers an invitation notification to that address. You may revoke card sharing permissions at any time through Account Settings.
3. Acceptable Use & Rate Limits
You agree to use CardLookout solely for personal portfolio management in accordance with applicable laws. You agree not to:
- Engage in automated scraping, data extraction, or automated bot interactions.
- Abuse, flood, or bypass rate limits on our AI Advisor, feedback, or wallet APIs.
- Attempt to access or modify portfolios belonging to other users without authorization.
- Submit malicious code, deceptive content, or harassing feedback.
4. Limitation of Liability
CardLookout is provided on an "as is" and "as available" basis without warranties of any kind, whether express or implied. Under no circumstances shall CardLookout or its operators be liable for any indirect, incidental, or consequential damages, including but not limited to missed credit card statement credits, expired reward points, inaccurate reward estimates, or annual fee changes imposed by card issuers.
5. Contact Information
If you have questions regarding these Terms of Service or our operational practices, please reach out via email at jnicoara11@gmail.com.