Terms of Service

Please read these Terms of Service (“Terms”) carefully before using Cardoo. Cardoo is operated by Cabos, LLC, a California limited liability company (“Cabos,” “we,” “us,” or “our”). By (1) creating an account, (2) clicking a box or button indicating acceptance, or (3) otherwise accessing or using the Services, you (“you” or “User”) agree to be bound by these Terms.

If you do not agree to these Terms, you must not access or use the Services. If you are accepting these Terms on behalf of a company or other legal entity, you represent that you have the authority to bind that entity, in which case “you” refers to that entity.

These Terms contain a binding arbitration provision and a class action waiver in Section 13, which affect your legal rights. Please read Section 13 carefully.

1. Definitions

• 1.1 “Account” means the account you create to access the Services.
• 1.2 “Free Services” means the portions of the Services we make available to you free of charge, including card linking, statement-credit tracking, and the weekly expiring-credits email.
• 1.3 “Pro Services” means the paid subscription tier, including award flight search, award alerts, and hotel program search.
• 1.4 “Linked Account” means a credit card, bank, loyalty, or other third-party account that you connect to the Services.
• 1.5 “Financial Account Data” means information we receive from or about your Linked Accounts, including account identifiers, card product names, transaction history, statement credits, balances, and rewards or points balances.
• 1.6 “User Data” means information, data, and content that you submit to or transmit through the Services, including Financial Account Data, search criteria, and alert settings. User Data does not include Usage Data.
• 1.7 “Usage Data” means data collected and processed by us in connection with your use of the Services, including activity logs, device and browser information, and data used to maintain performance and to investigate and prevent abuse.
• 1.8 “Cardoo IP” means the Services, the Documentation, and all intellectual property provided to you in connection with the foregoing. Cardoo IP includes Usage Data and any information or content derived from our provision of the Services, but does not include User Data.
• 1.9 “Third-Party Providers” means third-party products and services that are integrated with or used to deliver the Services, including account-linking providers, payment processors, and award availability data sources.
• 1.10 “Harmful Code” means any virus, worm, malware, or other malicious code intended to permit unauthorized access to, or to destroy, disrupt, disable, or otherwise harm, any system, software, or data.
• 1.11 “Restricted Data” means: (i) special categories of data enumerated in EU Regulation 2016/679, Article 9(1); (ii) protected health information as defined under HIPAA; (iii) Social Security numbers, driver’s license numbers, passport numbers, or other government identification numbers; (iv) information subject to the Children’s Online Privacy Protection Act; or (v) similar data protected under applicable law. For the avoidance of doubt, Financial Account Data is not Restricted Data — the Services are designed to receive and process it, as described in Section 4.

2. Access and Use

2.1 License. Subject to your compliance with these Terms, we grant you a non-exclusive, limited, non-sublicensable, non-transferable right during your subscription to access and use the Services for your own personal, non-commercial purposes, as described in our documentation and on our website.

2.2 Free Services. Free Services are provided without charge up to the limits we describe from time to time. We may modify, limit, suspend, or discontinue Free Services at any time in our sole discretion. Except where prohibited by law, Free Services are provided “as is” with no warranties and no indemnification obligation. If any exclusion of liability for Free Services is unenforceable, our aggregate liability for Free Services will not exceed USD 100.

2.3 Eligibility. You must be at least 16 years old to use the Services. By using the Services, you represent that you meet this requirement and that you are not barred from using the Services under applicable law.

2.4 Updates. We may provide upgrades, patches, enhancements, or fixes for the Services at any time, and such updates become part of the Services. We may improve or modify the Services, provided we will not make changes that materially degrade the overall security of the Services.

3. Your Account

3.1 Registration. You must provide accurate and complete information when creating an Account and keep it current. Each Account is for a single individual; you may not share your credentials with others.

3.2 Account Security. You are responsible for safeguarding your credentials and for all activity that occurs under your Account, whether or not authorized by you. You must notify us promptly at hello@cardoo.ai if you suspect unauthorized access.

3.3 Communications. By creating an Account, you consent to receive service-related communications from us by email, including the weekly expiring-credits digest and any award alerts you configure. You may adjust or unsubscribe from non-essential communications in your Account settings, but we may continue to send transactional and security notices.

4. Linked Financial Accounts

4.1 Account Linking. Core features of the Services require you to connect a Linked Account. We use a third-party account-linking provider (currently Plaid Inc.) to establish and maintain these connections. When you link an account, you authorize us and our account-linking provider to access, retrieve, and process Financial Account Data on your behalf for the purpose of providing the Services.

4.2 Your Authorization and Representations. You represent and warrant that you are an authorized owner or user of each Linked Account and that you have the right to grant us access to it. You are solely responsible for complying with the terms of your agreements with your card issuers, banks, and loyalty programs. Linking an account to a third-party service may affect your rights under those agreements; you should review them.

4.3 Read-Only Access. The Services access Linked Accounts on a read-only basis. We do not initiate payments, transfers, redemptions, bookings, or any other transaction on your Linked Accounts.

4.4 Accuracy of Data. Financial Account Data is supplied by your financial institutions and third parties. It may be delayed, incomplete, or inaccurate, and connections may break without notice. We do not verify this data independently. You remain solely responsible for reviewing your own statements and for confirming credit availability, expiration dates, balances, and award availability directly with the issuer or program before acting.

4.5 Revoking Access. You may disconnect a Linked Account at any time in your Account settings. Disconnecting will stop further data retrieval, and we will handle previously retrieved data as described in our Privacy Policy.

4.6 No Other Restricted Data. The Services are not designed to store Restricted Data. You agree not to submit, post, or transmit Restricted Data through the Services.

5. No Financial Advice; No Affiliation

5.1 Informational Purposes Only. The Services are provided for informational and organizational purposes only. Nothing in the Services constitutes financial, investment, tax, legal, or travel advice, or a recommendation to obtain, use, cancel, or redeem any card, account, loyalty program, or travel product. You are solely responsible for your own financial and travel decisions.

5.2 Valuations and Estimates. Point and mile valuations, credit values, savings figures, and similar amounts shown in the Services are estimates based on assumptions that may not reflect your circumstances or actual market value. They are not guarantees.

5.3 Award Availability and Pricing. Award flight availability, mileage pricing, hotel availability, rates, and program benefits change constantly and are controlled entirely by the applicable airline, hotel, or card program. Information shown in the Services may be out of date by the time you view it. We do not guarantee that any award seat, rate, benefit, or offer will be available, bookable, or honored, and we do not sell, book, or act as agent for any travel product.

5.4 No Affiliation. Cardoo is an independent tool and is not affiliated with, endorsed by, or sponsored by American Express, Chase, or any other card issuer, airline, hotel, or loyalty program. All card, program, airline, and hotel names and marks are the trademarks of their respective owners and are used for identification purposes only.

6. Proprietary Rights and Licenses; Restrictions

6.1 Reservation of Rights. Subject to the limited rights expressly granted here, we and our licensors reserve all right, title, and interest in and to the Cardoo IP. No rights are granted to you other than as expressly set forth in these Terms.

6.2 Feedback. You grant us a worldwide, perpetual, irrevocable, royalty-free license to use and incorporate into our services any suggestion, enhancement request, recommendation, or other feedback you provide relating to the Services.

6.3 Your User Data. You retain all right, title, and interest in and to your User Data. You grant us a non-exclusive, royalty-free, worldwide license to reproduce, process, and display your User Data solely as necessary to provide, secure, and support the Services for you. We will not sell your Financial Account Data, and we will not use it to train, develop, or improve any generalized artificial intelligence or machine learning model, whether ours or a third party’s.

6.4 Aggregated De-Identified Data. We may create aggregated, de-identified data that cannot reasonably be linked back to you or any individual, and may use it for our internal business purposes of operating, securing, testing, and improving the Services. We will not disclose aggregated data derived from Financial Account Data to third parties for advertising purposes.

6.5 Use Restrictions. You shall not, directly or indirectly: (i) reverse engineer, decompile, disassemble, or otherwise attempt to discover the source code or underlying structure of the Services (except to the extent applicable law prohibits this restriction); (ii) modify, translate, or create derivative works based on the Services; (iii) copy, rent, lease, distribute, sublicense, publish, or otherwise transfer rights to the Services; (iv) use the Services for the benefit of a third party or make the Services available to any third party; (v) scrape, crawl, or use automated means to extract data from the Services; (vi) remove or alter any proprietary notices; (vii) use the Services to build a competitive product or service; (viii) interfere with the proper working of the Services; (ix) bypass any measures used to restrict access to the Services; or (x) transmit any Harmful Code. You shall use the Services in compliance with all applicable laws.

6.6 Third-Party Providers. Certain features interoperate with Third-Party Providers, and their continued availability depends on our and your ability to access them. Revoking permissions or failing to maintain required accounts or credentials may suspend or interrupt the related functionality. We make no representations or warranties regarding any Third-Party Provider and do not guarantee that any particular integration will continue to be supported. Your use of a Third-Party Provider may be subject to that provider’s own terms and privacy policy.

7. Payment and Subscriptions

7.1 Fees. Pro Services are offered on a paid subscription basis at the prices listed on our pricing page. Except as otherwise stated, fees are based on the subscription purchased and not on actual usage, and payment obligations are non-cancelable.

7.2 Payment Processing. Payments are processed by Stripe, Inc. By providing payment card information, you agree to the Stripe Services Agreement and authorize us to charge your payment method for all applicable fees for the initial subscription term and each renewal term. You are responsible for providing complete and accurate billing information and keeping it current. We do not store full payment card numbers.

7.3 Automatic Renewal; Cancellation. Subscriptions renew automatically at the end of each billing period at our then-current rate until canceled. You may cancel at any time in your Account settings. Cancellation takes effect at the end of the current billing period, and you will retain access to Pro Services through that date.

7.4 Promotional Pricing. We may offer free trials or promotional pricing for a limited period. Unless we state otherwise, your subscription converts to the then-current standard rate at the end of the promotional period, and your payment method will be charged automatically at that time unless you cancel before it ends.

7.5 Refunds. Except where required by law, fees are non-refundable, including for partial billing periods and for periods during which you did not use the Services.

7.6 Price Changes. We may change our prices. We will give you at least thirty (30) days’ notice before a price change takes effect for your subscription, and the change will apply at your next renewal. If you do not agree, you may cancel before the change takes effect.

7.7 Failed Payments. If a payment fails, we may retry the charge and may suspend or downgrade your access to Pro Services until payment is received.

7.8 Taxes. Our fees do not include taxes, levies, or similar governmental assessments. You are responsible for all such taxes associated with your purchases, other than taxes assessable against us based on our income, property, and employees.

8. Data Security; Processing of Personal Information

8.1 Security Measures. We use commercially reasonable efforts, consistent with industry standards, to maintain the security and integrity of the Services and your User Data. This includes encryption in transit (TLS 1.2 or higher) and at rest (AES-256 or equivalent) for Financial Account Data, role-based access controls applied on a least-privilege basis, and periodic security review of our infrastructure and vendors. No method of transmission or storage is completely secure, and we cannot guarantee absolute security.

8.2 Personal Information. Our collection and use of personal information in connection with the Services is described in our Privacy Policy, which is incorporated into these Terms by reference.

8.3 Usage Data. We may process Usage Data to operate, maintain, secure, and optimize the Services, to prevent fraud and abuse, and to comply with applicable law.

9. Term; Termination

9.1 Term. These Terms commence on the date you first accept them and continue until your Account is terminated.

9.2 Termination by You. You may terminate your Account at any time through your Account settings or by contacting hello@cardoo.ai.

9.3 Termination by Us. We may terminate or suspend your Account and access to the Services, effective on notice to you, if you materially breach these Terms and, where the breach is curable, fail to cure it within thirty (30) days of notice. We may terminate or suspend immediately and without notice if you breach Section 6.5 (Use Restrictions), if we reasonably believe your use is fraudulent or unlawful, or if we are required to do so by law.

9.4 Suspension. We may temporarily suspend your access if we reasonably determine that (i) there is a threat or attack on the Cardoo IP; (ii) your use disrupts or poses a security risk to us or to another user; (iii) your use is fraudulent or unlawful; (iv) our provision of the Services to you is prohibited by law; or (v) a Third-Party Provider has suspended or terminated our access to an integration required to deliver the Services. We will use commercially reasonable efforts to notify you and to restore access promptly once the cause is resolved.

9.5 Effect of Termination. On termination, your right to access the Services ceases immediately. We will handle your data as described in our Privacy Policy. Termination does not relieve you of any obligation to pay fees accrued before the effective date of termination.

9.6 Discontinuation of the Services. We may discontinue the Services in whole or in part. If we discontinue the Services entirely, we will provide reasonable advance notice and a pro-rata refund of any prepaid fees covering the period after discontinuation.

9.7 Survival. Sections 1, 5, 6, 7 (as to accrued fees), 8, 9.5, 10, 11, 12, and 13 survive termination.

10. Indemnification

10.1 Our Indemnification. We will indemnify, defend, and hold you harmless from any losses, damages, liabilities, and costs (including reasonable attorneys’ fees) incurred by you resulting from a third-party claim alleging that the Services, used in accordance with these Terms, infringe or misappropriate that third party’s United States intellectual property rights, provided that you promptly notify us in writing, cooperate with us, and allow us sole authority to control the defense and settlement. This obligation does not apply to the extent the alleged infringement arises from (a) use of the Services in combination with anything not provided by us; (b) modifications not made by us; (c) your User Data; or (d) Third-Party Providers. We have no indemnification obligation with respect to Free Services.

10.2 Your Indemnification. You will indemnify and hold us harmless from any losses resulting from a third-party claim arising out of (i) your User Data; (ii) your negligence or willful misconduct; (iii) your use of the Services in a manner not authorized by these Terms; (iv) your violation of any agreement you have with a card issuer, financial institution, or loyalty program; or (v) your violation of applicable law.

11. Representations, Warranties, and Disclaimers

11.1 Mutual. Each party represents that it has validly entered into these Terms and has the legal power to do so.

11.2 Our Warranties. We warrant that during a paid subscription period (a) we will not materially decrease the overall security of the Services, and (b) the Services will perform materially in accordance with our documentation. Your exclusive remedy for breach of this warranty is termination and a pro-rata refund of prepaid fees.

11.3 DISCLAIMERS. EXCEPT AS EXPRESSLY SET FORTH IN THESE TERMS, THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING THE IMPLIED WARRANTIES OF TITLE, NON-INFRINGEMENT, MERCHANTABILITY, AND FITNESS FOR A PARTICULAR PURPOSE, ALL OF WHICH ARE EXPRESSLY DISCLAIMED. WE MAKE NO WARRANTY THAT THE SERVICES OR ANY RESULTS OF THEIR USE WILL MEET YOUR REQUIREMENTS, OPERATE WITHOUT INTERRUPTION, ACHIEVE ANY INTENDED RESULT, OR BE SECURE, ACCURATE, COMPLETE, OR ERROR FREE. WITHOUT LIMITING THE FOREGOING, WE MAKE NO WARRANTY REGARDING THE ACCURACY, COMPLETENESS, OR TIMELINESS OF FINANCIAL ACCOUNT DATA, STATEMENT CREDIT INFORMATION, POINT OR MILE VALUATIONS, AWARD AVAILABILITY, HOTEL AVAILABILITY, RATES, OR PROGRAM BENEFITS. FREE SERVICES ARE PROVIDED “AS IS” EXCLUSIVE OF ANY WARRANTY WHATSOEVER.

12. Limitation of Liability

EXCEPT FOR THE PARTIES’ INDEMNIFICATION OBLIGATIONS AND YOUR BREACH OF SECTION 6, IN NO EVENT SHALL EITHER PARTY, NOR ITS DIRECTORS, MEMBERS, EMPLOYEES, AGENTS, PARTNERS, OR SUPPLIERS, BE LIABLE UNDER CONTRACT, TORT, STRICT LIABILITY, NEGLIGENCE, OR ANY OTHER LEGAL OR EQUITABLE THEORY WITH RESPECT TO THE SUBJECT MATTER OF THESE TERMS (I) FOR ANY LOST PROFITS, LOST OR FORFEITED STATEMENT CREDITS, POINTS, OR MILES, LOST AWARD AVAILABILITY, DATA LOSS, BREACH OF DATA OR SYSTEM SECURITY, COST OF PROCUREMENT OF SUBSTITUTE GOODS OR SERVICES, OR SPECIAL, INDIRECT, INCIDENTAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES OF ANY KIND; OR (II) FOR ANY BUGS, VIRUSES, OR THE LIKE, IN EACH CASE REGARDLESS OF WHETHER WE WERE ADVISED OF THE POSSIBILITY OF SUCH LOSSES OR WHETHER THEY WERE OTHERWISE FORESEEABLE. IN NO EVENT WILL OUR AGGREGATE LIABILITY ARISING OUT OF OR RELATED TO THESE TERMS EXCEED THE GREATER OF (A) THE FEES PAID BY YOU TO US IN THE TWELVE (12) MONTHS PRIOR TO THE EVENT GIVING RISE TO THE CLAIM, OR (B) USD 100.

Some jurisdictions do not allow the exclusion of certain warranties or the limitation of liability for incidental or consequential damages, so some of the above limitations may not apply to you.

13. General Provisions

13.1 Entire Agreement. These Terms, together with the Privacy Policy, constitute the entire agreement between you and us and supersede all prior or contemporaneous communications, whether oral, written, or electronic. Section headings are for convenience only.

13.2 Modifications. We may update these Terms by posting a revised version and updating the “Last updated” date. If the changes are material, we will provide notice by email or through the Services at least thirty (30) days before they take effect. Your continued use of the Services after the effective date constitutes acceptance of the revised Terms.

13.3 Dispute Resolution and Arbitration. The parties will first attempt to resolve any dispute through good-faith negotiation. Any unresolved dispute will be settled by binding arbitration in Santa Clara County, California, under the JAMS Streamlined Arbitration Rules, in English, before one arbitrator. Judgment on the award may be entered in any court of competent jurisdiction. For claims under USD 75,000, we will pay the arbitration filing and arbitrator fees. All claims must be brought on an individual basis. Class actions, class arbitrations, and representative actions are waived. You may opt out of this arbitration provision by sending written notice to the address in Section 13.11 within thirty (30) days of first accepting these Terms.

13.4 Injunctive Relief. Either party may seek injunctive or equitable relief in any court of competent jurisdiction to prevent actual or threatened infringement or misappropriation of its intellectual property rights.

13.5 Governing Law and Venue. These Terms are governed by the laws of the State of California, without regard to its conflict of laws principles. If the arbitration provision in Section 13.3 is found unenforceable, the parties agree to the exclusive jurisdiction and venue of the state and federal courts located in Santa Clara County, California, other than for small-claims matters.

13.6 Assignment. You may not assign these Terms without our prior written consent. We may assign these Terms to a successor in interest that acquires substantially all of our assets. We may engage subcontractors, provided we remain responsible for their compliance.

13.7 Force Majeure. Except for payment obligations, neither party is liable for any delay or failure caused by events beyond its reasonable control, including natural disasters, war, terrorism, internet or utility outages, strikes, or government action.

13.8 Relationship of the Parties. The parties are independent contractors. Nothing in these Terms creates an agency, partnership, joint venture, or employment relationship.

13.9 Severability. If any provision is held unenforceable, it will be reformed only to the extent necessary to make it enforceable, and the remaining provisions will remain in full force.

13.10 Waiver. Our failure to enforce any provision is not a waiver of that or any other provision.

13.11 Notices. Legal notices to us must be in writing and delivered by hand, certified mail, or overnight courier to:

Cabos, LLC
808 Sonia Way
Mountain View, California 94040
Email: hello@cardoo.ai

Notices are effective on (a) receipt if delivered by hand, (b) the second business day after mailing, or (c) the day sent by email, except that notices of termination or of an indemnifiable claim require physical delivery. We will send notices to you at the email address associated with your Account.

13.12 Export Compliance. You may not use or access the Services in a jurisdiction subject to United States embargo, or if you are on any United States government restricted-party list.