Terms of Service
Effective date: July 2, 2026
These Terms of Service ("Terms") govern your use of the CardAlerts mobile application and related services ("Service"). By creating an account you agree to these Terms.
1. The Service
CardAlerts sends notifications (push, email, and/or SMS) when transactions occur on debit or credit cards you link through our banking data partner, Plaid. CardAlerts is a notification tool only:
- We do not hold, move, or have access to your money.
- We cannot block, reverse, or dispute transactions.
- Notifications depend on data provided by your bank via Plaid and may be delayed, incomplete, or occasionally unavailable. Do not rely on CardAlerts as your only means of detecting fraud. Always review your official bank statements.
2. Eligibility
You must be at least 18 years old and reside in the United States. You may only link financial accounts that you own or are authorized to access.
3. Your Account
You sign in using a magic link sent to your email address. You are responsible for maintaining control of that email account. Notify us immediately if you believe your account has been accessed without authorization.
4. Bank Connections
By linking a financial account you authorize us to receive transaction and balance data for that account from Plaid until you disconnect it. Plaid's own terms and privacy policy govern Plaid's processing of your data.
5. Subscriptions and Billing
CardAlerts offers a free tier and paid subscription plans billed through Stripe. Paid plans renew automatically each billing period until canceled. You may cancel at any time; access continues through the end of the paid period. Except where required by law, payments are non-refundable. We may change subscription pricing with at least 30 days' notice.
6. SMS Terms
If you enable SMS alerts: message frequency varies with your card activity; message and data rates may apply; reply STOP to cancel and HELP for help. Consent to receive SMS is not a condition of using the Service.
7. Acceptable Use
You agree not to: use the Service for any unlawful purpose; attempt to access another person's data; probe, disrupt, or overload our systems; reverse engineer the app except where permitted by law; or resell the Service.
8. Intellectual Property
The Service, including its software, design, and branding, is owned by CardAlerts and protected by law. We grant you a limited, non-exclusive, non-transferable license to use the app for personal, non-commercial purposes.
9. Disclaimers
THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT NOTIFICATIONS WILL BE TIMELY, ACCURATE, OR UNINTERRUPTED.
10. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, CARDALERTS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR ANY LOSS ARISING FROM UNAUTHORIZED TRANSACTIONS, FRAUD, OR BANK ERRORS, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY. OUR TOTAL LIABILITY FOR ANY CLAIM WILL NOT EXCEED THE AMOUNT YOU PAID US IN THE 12 MONTHS BEFORE THE CLAIM AROSE, OR $50, WHICHEVER IS GREATER.
11. Termination
You may delete your account at any time in Account Settings. We may suspend or terminate accounts that violate these Terms or create risk for us or other users. Sections 8–13 survive termination.
12. Changes
We may update these Terms. For material changes we will provide notice through the app or by email at least 14 days before they take effect. Continued use after the effective date constitutes acceptance.
13. Governing Law and Disputes
These Terms are governed by the laws of the Commonwealth of Virginia, without regard to conflict-of-law rules. Disputes will be resolved in the state or federal courts located in Virginia, and you consent to their jurisdiction.