Terms

These terms cover your use of CreditDash. Using it means you accept them. They are short on purpose; if something here is unclear, it is a fault in the wording, not a trap.

What CreditDash is

A tool for organising credit cards you already hold: which one to use, which credits are left, and whether each annual fee pays for itself. CreditDash is not a bank, a card issuer or a financial adviser, and is not affiliated with or endorsed by any issuer. Card names and marks belong to their owners and are used only to identify the cards.

Not financial advice

Nothing in CreditDash is financial, tax or legal advice, and nothing in it is a recommendation to apply for, keep or cancel any card. Decisions about your cards are yours.

Verify with your issuer

Card details in the app are sample data. They can be out of date or simply wrong, because earn rates, credits, fees and benefits change often and without notice. Check anything that matters against your issuer before you act on it.

Figures are estimates

Dollar values for points depend on the valuation you choose, and a point is only worth what you eventually redeem it for. Break-even and spend figures are worked from the numbers you enter. Treat them as a guide, not a promise.

Your data

You are responsible for what you enter and for keeping it accurate. Your data is stored in your browser (see Privacy), so CreditDash cannot recover it if it is cleared. Export a copy from Settings if you want one.

Plans and payment

The free plan saves up to 2 cards. Premium, at $5 a month, saves as many as you own. Premium cannot be bought yet, and no one is charged for anything today. Billing terms, including how to cancel, will be added here before payment is switched on. The intent is that you can cancel at any time and keep Premium until the end of the month you paid for.

Fair use

Do not try to break, overload or get around the limits of the service, or use it to harm anyone else.

Availability and changes

CreditDash is provided as it is. It may be unavailable at times, and features may change or be removed. The terms may change too; the date at the top shows when they last did, and a change that affects what you pay or what happens to your data will be noted in the app.

Liability

As far as the law allows, CreditDash is not liable for losses that come from relying on it, including a missed credit, a fee you chose to pay, or points valued differently from what you received. Nothing here limits rights you have that the law does not allow to be limited.

Contact

A contact address will be published here before launch.