Disclaimer

General Information

Card Benefits (a product of Bits & Pieces) is a tracking and organizational tool designed to help users monitor their credit card benefits. The information provided through this service is for informational and organizational purposes only.

Not Financial Advice

Card Benefits does not provide financial, investment, or credit advice. The Service is not a substitute for professional financial advice, and you should consult with qualified financial advisors, credit counselors, or other professionals before making any financial decisions.

We do not recommend specific credit cards, financial products, or strategies. Any information displayed about credit card benefits is for tracking purposes only and should not be construed as an endorsement or recommendation.

Accuracy of Information

While we strive to provide accurate and up-to-date information about credit card benefits, we cannot guarantee the accuracy, completeness, or timeliness of all information displayed in the Service. Credit card terms, benefits, and conditions are subject to change by the issuing banks at any time.

You are responsible for verifying all benefit information directly with your credit card issuer. Always confirm benefit eligibility, terms, and conditions with your card issuer before relying on any information displayed in the Service.

No Banking Relationship

Card Benefits is not a bank, credit card issuer, or financial institution. We do not have any relationship with credit card issuers, and we do not process payments, issue credit, or provide banking services. We are an independent service that helps you organize and track information about your credit cards.

User Responsibility

You are solely responsible for:

• Managing your credit card accounts and payments
• Understanding the terms and conditions of your credit cards
• Verifying benefit eligibility with your card issuer
• Making informed financial decisions
• Maintaining the security of your account information

No Guarantees

Card Benefits makes no guarantees regarding:

• The availability or accuracy of benefit information
• The continued availability of specific benefits
• Your eligibility for any credit card benefits
• The performance or results you may obtain from using the Service

Third-Party Services

The Service may contain links to third-party websites or services. We are not responsible for the content, privacy policies, or practices of any third-party services. Your interactions with third-party services are solely between you and the third party.

Limitation of Liability

To the fullest extent permitted by law, Card Benefits, its officers, directors, employees, and agents shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages, including but not limited to:

• Financial losses resulting from missed benefits or expired offers
• Incorrect or outdated benefit information
• Decisions made based on information displayed in the Service
• Loss of data or service interruptions

Use at Your Own Risk

Your use of the Card Benefits service is at your own risk. The Service is provided "as is" without any warranties, express or implied. We disclaim all warranties, including but not limited to warranties of merchantability, fitness for a particular purpose, and non-infringement.

Contact Your Card Issuer

For questions about your credit card benefits, terms, eligibility, or account status, please contact your credit card issuer directly. Card Benefits cannot answer questions about your specific credit card account or benefits.

Updates to Disclaimer

We may update this Disclaimer from time to time. We will notify users of any material changes by posting the updated Disclaimer on this page and updating the "Last updated" date. Your continued use of the Service after such changes constitutes acceptance of the updated Disclaimer.

Contact Us

If you have any questions about this Disclaimer, please contact us through your account settings or visit our website.