Terms of Service

1. Purpose and scope

Cardendar is an organization tool that brings together in one place your credit cards, their payment due dates, your welcome bonus progress, your credits, your annual fees and eligibility markers. It helps you keep track and forget nothing; it makes no decision on your behalf.

The service is provided on a best-efforts basis. It evolves quickly, may be changed, interrupted or contain defects, and no service level (SLA) is guaranteed.

2. Access and account security

Access is by email and password, or through a third-party identity provider ("Sign in with Google"). You create your account yourself. The Publisher may suspend or withdraw access in the event of a breach of this Contract or abusive use of the service.

You are solely responsible for keeping your credentials confidential and for all activity under your account. Notify the Publisher without delay at support@cardendar.com of any unauthorized use you suspect.

3. Nature of the service: organization, not financial advice

This section is the most important part of the Contract.

• No advice. Cardendar is an organization and tracking tool. It provides no financial, tax, legal, credit or investment advice, and does not recommend that you take out, keep or cancel any financial product.
• No affiliation. Cardendar is neither affiliated with, associated with, sponsored by, nor endorsed by card issuers, payment networks (Amex, Visa, Mastercard, Interac), banks or comparison sites. Product and brand names are used for identification purposes only.
• The issuer always prevails. Information about cards (rates, categories, bonuses, credits, certificates, fees, dates and eligibility rules) is provided for guidance only, may be incomplete, approximate or out of date, and must be verified with the issuer before any decision. In case of any discrepancy, the issuer's terms govern.
• No guaranteed outcome. Cardendar does not guarantee your eligibility, the approval of an application, or that a bonus, credit or benefit will be granted or honored by an issuer.
• Your decisions remain yours. You remain solely responsible for your card applications, your spending, the payment of your balances and all of your financial decisions.

4. Your information and your payments

Cardendar connects to no financial institution: everything it knows, you typed in. You are responsible for the accuracy of the information you enter; a calculation, a reminder or a recommendation is only ever as good as the data provided.

Due-date reminders are a memory aid, not a guarantee of payment: they trigger no transfer and do not relieve you of the need to check your statements and pay your balances on time, directly with your issuer.

5. Acceptable use

You agree to use Cardendar in accordance with applicable laws. In particular, you must not:

• Circumvent, disable or disrupt the technical limits, quotas or security measures of the service.
• Use bots, automated scripts or data-scraping techniques on the service.
• Attempt to access another account's data or to harm the integrity of the service.

6. Subscriptions and pricing

The prices of the service, in Canadian dollars (CAD):

• Free — all of the service's features, for up to 5 owned cards. Wishlist, denied and closed cards do not count toward this limit.
• Pro — CA$6.99 per month or CA$69.99 per year, with no limit on the number of cards. Subscriptions renew automatically for an identical period unless cancelled before the renewal date from your account.
• Founder — offer closed since public sign-ups opened; it remains in force for those who purchased it: a one-time payment of CA$129 granting access to Pro features for the lifetime of the service. "Lifetime" refers to the operating life of Cardendar; it is not a guarantee of perpetuity should the service cease (see the Refund section).
• Price changes. The Publisher may change its prices on at least 30 days' notice. For Quebec consumers, any increase during a fixed-term contract is governed by the Consumer Protection Act (the "CPA").
• Payment failure. If billing through our provider Stripe fails, access to paid features may be suspended.

7. Refunds

• Pro subscription. You may cancel at any time from your account; cancellation takes effect at the end of the period already paid for, with no pro-rata refund of the current period, subject to your legal rights.
• Founder plan. The one-time payment is refundable within fourteen (14) days of purchase if you have not made substantial use of the service; after that period it is non-refundable, except where the law requires otherwise.
• Legal warranties preserved. Nothing in this section limits the rights granted to you by the CPA or any other mandatory law, in particular where the service does not conform. For any request: support@cardendar.com.

8. Intellectual property and feedback

• The service. The Cardendar brand, code, design, interface and the card catalog assembled by the Publisher belong to the Publisher.
• Your data. The information you enter remains yours. You grant the Publisher a limited license used solely to operate the service for you: calculations, reminders and display. Its processing is described in the Privacy Policy.
• Feedback. If you submit suggestions or comments, you grant the Publisher a free, worldwide and irrevocable license to use them and incorporate them into the service, with no obligation to you.

9. Disclaimer of warranties

The service is provided "as is" and "as available". The Publisher does not warrant that the dates, fees, bonuses, eligibility rules or recommendations shown are accurate, complete or up to date, nor that the service will be free of errors or interruptions.

For consumers, nothing in this clause is intended to exclude the legal warranties provided by sections 37 and 38 of the Quebec Consumer Protection Act.

10. Limitation of liability

• To the fullest extent permitted by law, the Publisher's total liability for any damage related to the service shall not exceed the amounts you actually paid to it over the preceding twelve (12) months.
• The Publisher shall not be liable for indirect losses, in particular the loss of bonuses, points, credits, opportunities or data.
• In accordance with article 1474 of the Civil Code of Quebec, the Publisher does not limit its liability in the event of gross or intentional fault, or of bodily or moral injury. If you are a consumer within the meaning of the CPA, these limitations do not apply to your direct damages.

11. Termination

You may terminate your account at any time from your settings. The Publisher may suspend or terminate your access in the event of a serious or repeated breach of this Contract, unlawful use or a threat to the security of the service. Should the service be discontinued, reasonable notice will be given to account holders.

12. Changes to the Contract

The Publisher may amend this Contract. Any substantial change will be announced by email to account holders before it takes effect. For Quebec consumers, a 30-day notice allowing you to terminate at no cost applies where the law requires it. Continuing to use the service after the change takes effect constitutes acceptance.

13. Governing law and jurisdiction

This Contract is governed by the laws of the province of Quebec and the federal laws of Canada applicable therein.

Any dispute shall be submitted to the exclusive jurisdiction of the courts of the judicial district of Montreal, or of the district of your residence if you are a Quebec consumer. Mandatory consumer-protection provisions of your place of residence, if any, remain applicable.

14. Contact

For any question about this Contract: support@cardendar.com.

15. General provisions

Severability. If any provision of the Contract is held invalid, the remaining provisions stay in full force.

Entire agreement. This Contract, together with the Privacy Policy, constitutes the entire agreement between you and the Publisher regarding the service and supersedes any prior agreement on the same subject.

Notices. Notices may validly be sent by email to the address associated with your account or to support@cardendar.com.