PerkTrack Terms of Use (EULA)

Agreement

These terms are an agreement between you and Summer Jib LLC, a Wyoming limited liability company. By accepting these terms in the app, you agree to these terms. The PerkTrack Privacy Policy explains our data practices; accepting these terms does not replace any separate permission required for optional data processing. If you do not agree, do not use PerkTrack.

You must be at least 18 years old to use PerkTrack. By using PerkTrack, you represent that you are at least 18 and legally authorized to connect and use the accounts and cards you provide.

Apple Standard Terms of Use (EULA)

PerkTrack is licensed to you under Apple's Standard Licensed Application End User License Agreement, which applies alongside these PerkTrack-specific terms. If these terms conflict with Apple's Standard EULA, Apple's Standard EULA controls to the extent required for the licensed application.

What PerkTrack does

PerkTrack helps users organize credit cards, track benefits and statement credits, monitor deadlines, estimate card value, understand transaction-based benefit usage, receive informational card or merchant recommendations, and ask bounded questions about their PerkTrack information through Ask Perk when their membership includes it.

PerkTrack's automatic subscriptions and current card catalog are presently intended for U.S. credit-card products and U.S. App Store availability. Some cards, institutions, benefits, pricing, and connected-account flows may be unavailable, incomplete, or not relevant outside that scope.

Ask Perk AI assistant

Ask Perk uses automated systems from OpenAI, with Google Gemini as a fallback, to interpret eligible questions and explain read-only PerkTrack information. PerkTrack's backend, rather than either model, authenticates your account, enforces subscription access, retrieves relevant information, calculates exact values, and restricts navigation actions.

Ask Perk may use provider web-search grounding for a current public benefit term or merchant-eligibility question that PerkTrack cannot establish internally. AI and grounded answers can be incomplete, stale, or incorrect. Current issuer terms, merchant eligibility, account records, and posted transactions control.

Ask Perk is not a general-purpose assistant and may decline unrelated, coding, entertainment, general-research, tax, legal, lending, credit, investment, or personalized financial-advice requests. Provider availability, rate controls, safety controls, deterministic fallback, and membership access may affect the response.

Ask Perk reasonable use and service protection

Ask Perk is intended for normal, good-faith personal use and is not subject to a routine message quota. To protect accounts, service availability, and security, PerkTrack may use automated safeguards—including temporary rate, repetition, concurrency, and usage thresholds—to detect and temporarily slow or pause unusually high-volume, repetitive, concurrent, automated, abusive, or security-threatening activity.

These safeguards are designed to prevent misuse and excessive resource consumption, not to restrict normal use, and may vary based on technical conditions, service capacity, cost, and usage patterns. If a safeguard is triggered, you may be asked to wait and try again or contact support. Attempts to evade these safeguards, use Ask Perk through unauthorized automation, interfere with the service, or consume resources in a manner that harms PerkTrack or other users are prohibited.

Subscriptions and purchases

Some PerkTrack features require a paid subscription, trial, or entitlement. PerkTrack uses Apple in-app purchases through RevenueCat for subscription entitlement management. App Store purchases are handled by Apple and may renew automatically unless canceled through your Apple account.

PerkTrack may offer wallet-coverage tiers, monthly or annual billing, suggested prices, custom-price options, founder pricing, promotional access, or introductory trials. Availability, institution limits, prices, trial eligibility, and renewal terms may vary. The product, localized price, duration, trial eligibility, and confirmation shown by Apple at purchase control over earlier estimates or marketing copy.

If a paid entitlement expires after cancellation, payment failure, or another lapse, PerkTrack may preserve already-linked account and transaction data for up to 30 days so the same account can renew without losing its existing history. Paid features and new or repaired institution connections remain unavailable without an active entitlement. If the entitlement is not restored during that period, PerkTrack removes the linked Plaid connections and their linked data. An explicit institution disconnect or PerkTrack account deletion remains immediate and is not delayed by this subscription grace period.

When an eligible free trial is offered, PerkTrack may show a reminder timeline and estimated renewal date before opening Apple's subscription confirmation. Those reminders are informational; Apple's purchase confirmation and subscription record control the actual trial, billing date, price, and renewal. You can manage or cancel subscriptions in your Apple account settings. Deleting your PerkTrack account does not automatically cancel an Apple App Store subscription.

Wallet value and paywall estimates

PerkTrack may estimate annual wallet value from connected accounts, selected cards, manually entered cards, backend benefit catalogs, issuer information, and user inputs. These values may change when cards, benefits, eligibility rules, provider data, or catalog information change.

Headlines such as coverage for a stated dollar value, daily price equivalents, savings comparisons, crossed-out comparisons, or similar paywall displays are estimates for explanation and comparison. They are not a promise that you will receive, redeem, or save that amount. Apple’s purchase confirmation controls the amount charged.

Not financial, credit, banking, or legal advice

PerkTrack provides informational organization and reminder tooling only and does not provide financial advice, credit advice, banking services, tax advice, payment services, or legal advice. PerkTrack is not a bank, card issuer, creditor, lender, credit repair organization, credit reporting agency, investment adviser, tax adviser, financial adviser, money transmitter, payment processor, or legal adviser. PerkTrack does not guarantee card approval, eligibility, reward value, statement credit availability, redemption outcome, reimbursement, issuer treatment, credit score impact, or account outcome.

Issuer agreements, benefit terms, statements, rewards-program rules, and merchant terms always control. You are responsible for reviewing issuer terms, fees, deadlines, enrollment requirements, eligibility, and posted transactions.

Do not use PerkTrack for credit, employment, housing, insurance, lending, eligibility, underwriting, or other high-impact decisions about yourself or anyone else.

Data accuracy and availability

PerkTrack depends on data from Plaid, financial institutions, card issuers, merchants, manual user inputs, card catalog sources, and internal matching rules. Data may be delayed, incomplete, stale, duplicated, mislabeled, unavailable, or interpreted incorrectly.

PerkTrack may show incomplete or incorrect insights if a connection breaks, an institution requires relinking, a transaction is pending, a merchant category is wrong, an issuer changes available data or benefit terms, a card is mapped incorrectly, a credit limit or balance is stale, or a reward or statement credit posts differently than expected.

You are responsible for checking issuer apps, statements, account notices, benefit enrollments, due dates, fees, and posted transactions before making purchases, payments, applications, cancellations, or other financial decisions.

Backend-delivered card images, logos, benefit descriptions, eligibility dates, issuer terms, and merchant links may be corrected or replaced without an app update. A displayed image or link does not imply endorsement, partnership, current eligibility, or guaranteed acceptance by the issuer or merchant.

Security and third-party incidents

PerkTrack uses safeguards designed to protect information, but no security program can guarantee that an incident will never occur. Plaid and other providers control their own systems, security, personnel, and incident response, and Summer Jib LLC cannot guarantee their security or prevent every third-party compromise.

To the fullest extent permitted by law, the service is provided subject to the third-party-service, no-warranty, force-majeure, and limitation-of-liability provisions in these terms. Those provisions do not waive duties, remedies, or liability that applicable law does not allow us to waive, including legally required security practices or breach notices.

Your responsibilities

• Keep linked accounts current and reconnect institutions when PerkTrack or Plaid prompts you to relink.
• Keep your device passcode, Face ID, Touch ID, Apple ID, and app access secure. App-open authentication helps protect PerkTrack on your device, but it does not replace your responsibility to secure your device and accounts.
• Confirm card details, manual entries, issuer terms, and benefit eligibility before acting on any recommendation.
• Use PerkTrack as an organizational companion, not as the sole basis for financial decisions, purchases, applications, or account actions.

User content and license

You retain ownership of manual card details, feedback, and other content you submit. You grant Summer Jib LLC a limited, worldwide, non-exclusive, royalty-free license to host, process, reproduce, analyze, and display that content as needed to provide, secure, troubleshoot, and improve PerkTrack.

PerkTrack fair use and feature limits

PerkTrack may limit or meter Plaid link attempts, sync frequency, linked institutions or accounts, manual cards, card catalog access, merchant interaction events, reminders, recommendation refreshes, diagnostics, and other resource-intensive features based on your membership, trial, subscription, entitlement, account state, security risk, provider limits, or operational needs.

You may connect only financial accounts and cards that you own or are authorized to access and use with PerkTrack. PerkTrack may pause or block linking, syncing, reminders, recommendations, or account access if we detect duplicate links, stale credentials, unusual activity, provider errors, suspected misuse, or activity that could violate issuer, Plaid, platform, or legal requirements.

Mandatory consumer rights

Nothing in these terms excludes or limits liability for fraud, fraudulent misrepresentation, willful misconduct, gross negligence, death or personal injury caused by negligence, or any other liability to the extent it cannot lawfully be excluded or limited. Mandatory privacy, security, product-liability, consumer-guarantee, refund, and statutory remedies remain available.

Warranty disclaimers, liability caps, indemnities, service-change provisions, dispute restrictions, and governing-law clauses apply only to the extent lawful in your circumstances. You are not required to indemnify us for claims caused by our own unlawful conduct or breach of these terms. No term prevents a complaint to a regulator or a remedy that cannot be waived, including public injunctive relief where protected by law.

Apple billing, cancellation, and refunds

Apple handles App Store payment authorization and billing. An auto-renewing subscription continues until canceled in your Apple subscription settings. Cancel a free or discounted trial at least 24 hours before it ends to avoid renewal, as described by Apple. Deleting the app or its account does not cancel billing.

The purchase confirmation shows the product, billing period, price, and any introductory offer. Cancellation ordinarily stops a future renewal; access for an already-paid period follows Apple's subscription record. Refund requests for Apple purchases can be made through Apple's Report a Problem service. Eligibility is determined under Apple's rules and applicable law; these terms do not impose a blanket no-refunds rule or waive mandatory withdrawal or refund rights.

These terms do not restrict device access or Family Sharing that Apple and the purchased product expressly permit. No purchase is required merely to contact support or exercise privacy rights.

Eligibility and account responsibility

You must provide accurate information, keep account credentials and devices secure, and notify us if you believe your account or linked data has been compromised. You are responsible for activity under your account unless applicable law says otherwise.

You may not share account access, transfer subscriptions or entitlements, impersonate others, or use another person's account, financial account, scan content, card, statement, or personal information without authorization.

Account deletion and subscriptions

Where an app supports account creation, you may delete your account using the in-app account controls or by contacting support if an in-app control is unavailable. Deleting an account does not automatically cancel an Apple App Store subscription. Apple subscriptions must be managed through your Apple account, App Store settings, or Apple's subscription management tools.

Fair Use, Membership Limits, and Service Protection

The services are intended for ordinary personal use under the limits shown in the app, purchase flow, plan description, account status, or support communications. Memberships, trials, subscriptions, entitlements, promotional access, and account benefits are personal to the account holder and may not be shared, resold, transferred, pooled, or used to bypass limits.

We may apply technical or operational controls to protect reliability, control costs, comply with provider limits, prevent abuse, and keep access fair for other users. These controls may include rate limits, request limits, scan limits, sync limits, queued processing, temporary pauses, feature degradation, local fallback, cooldowns, manual review, account verification, suspension, termination, or other actions reasonably necessary to protect the services.

Limits may vary by plan, trial, subscription, entitlement, app version, region, feature, device, account state, third-party availability, security risk, or operational constraints. We do not promise that any feature will be unlimited unless we expressly say so in writing.

Acceptable use

• Do not use the services for unlawful, harmful, abusive, fraudulent, or misleading activity.
• Do not interfere with, scrape, overload, or bypass security or access controls. Restrictions on reverse engineering do not limit activities that applicable law or an applicable open-source license expressly permits.
• Do not submit content that you do not have the right to submit, or that includes someone else's private information without permission.
• Do not share, sell, rent, sublicense, automate, bulk-query, benchmark, monitor, or commercially exploit the services or their outputs unless we expressly authorize it in writing.
• Do not create multiple accounts, rotate devices, manipulate identifiers, spoof requests, or use automated tools to avoid membership limits, rate limits, subscriptions, trials, or security controls.
• Do not use the services to make high-risk medical, financial, legal, safety, or emergency decisions.

Third-party services

The services may depend on third-party platforms and providers, including Apple, Google, Firebase, RevenueCat, Plaid, payment processors, AI providers, analytics, crash reporting where configured, cloud hosting, and issuer or product data sources. Third-party services may have their own terms and privacy policies.

To the fullest extent permitted by law, we are not responsible for third-party services, outages, policy changes, data limits, errors, or security incidents that are caused by a third party and outside our reasonable control. Nothing in these terms limits responsibilities or rights that cannot legally be waived.

Apple is not responsible for the services, support, claims, investigations, intellectual-property issues, or third-party disputes related to the services. Your use of Apple App Store purchases is also subject to Apple's applicable terms.

Intellectual property

The services, website, branding, designs, text, software, data models, workflows, and other materials are owned by Summer Jib LLC or its licensors. You may not copy, modify, distribute, sell, or create derivative works from them except as allowed by law or with written permission.

Suspension, termination, and service changes

We may change, suspend, limit, or discontinue any feature, plan, entitlement, data source, provider integration, or service at any time, subject to applicable law and platform rules. We may suspend or terminate access if we believe there is misuse, legal risk, security risk, nonpayment, chargeback activity, provider restriction, or violation of these terms.

We may preserve records reasonably needed for enforcement, legal compliance, security, audits, backups, billing, disputes, or fraud prevention after suspension, termination, or account deletion where permitted or required by law.

Indemnity

To the fullest extent permitted by law, you agree to indemnify and hold Summer Jib LLC and its owners, officers, employees, contractors, service providers, and affiliates harmless from claims, losses, liabilities, damages, costs, and expenses, including reasonable attorneys' fees, arising from your content, your misuse of the services, your violation of these terms, your violation of law, or your violation of another person's rights.

No warranties

The services are provided as is and as available. To the fullest extent permitted by law, we disclaim warranties of merchantability, fitness for a particular purpose, title, non-infringement, accuracy, availability, security, compatibility, uninterrupted operation, and error-free operation.

We do not warrant that outputs, scores, recommendations, reminders, product matches, card matches, benefit estimates, catalog entries, AI results, provider data, or third-party data will be accurate, complete, current, or suitable for your circumstances.

Limitation of liability

To the fullest extent permitted by law, Summer Jib LLC will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits, lost data, lost goodwill, service interruptions, or third-party actions. Our total liability for any claim will not exceed the amount you paid to us for the relevant service in the 12 months before the event giving rise to the claim, or 100 USD if you paid nothing.

Dispute Resolution, Arbitration, Class Action Waiver, and Opt-Out

Please contact admin@summerjib.com first so we can try to resolve any concern informally. If we cannot resolve a dispute, you and Summer Jib LLC agree that, to the fullest extent permitted by law, disputes arising out of or relating to the services or these terms will be resolved by binding individual arbitration rather than in court.

The arbitration will be conducted on an individual basis, and neither you nor Summer Jib LLC may bring claims as a plaintiff or class member in a class, consolidated, representative, private attorney general, or mass arbitration proceeding. The arbitrator may award relief only for the individual party seeking relief and only to the extent necessary to resolve that party's individual claim.

Either party may bring an individual claim in small-claims court if it qualifies. Either party may also seek injunctive or equitable relief in court for intellectual-property misuse, unauthorized access, security abuse, scraping, reverse engineering, confidentiality breaches, or other misuse that could harm the services or other users.

You may opt out of this arbitration and class waiver section by emailing admin@summerjib.com within 30 days after first accepting these terms. Your opt-out email must include your name, the app you use, the email or account identifier associated with your account if available, and a clear statement that you opt out of arbitration. Opting out of arbitration does not opt you out of the rest of these terms.

If this arbitration section is found unenforceable as to a particular claim or remedy, that claim or remedy may proceed in court, but the class-action waiver will continue to apply to the fullest extent permitted by law. Nothing in this section limits non-waivable consumer rights or regulatory rights that cannot be limited by contract.

Governing law

These terms are governed by the laws of the State of Wyoming, without regard to conflict-of-law rules. If a consumer protection law in your jurisdiction gives you mandatory rights that cannot be waived, these terms do not limit those rights.

California and EEA/UK privacy rights are handled in the applicable privacy policy and may apply based on your location and the data processing at issue.

Force majeure, assignment, and severability

We are not liable for delay or failure caused by events beyond our reasonable control, including provider outages, platform changes, network failures, labor disruptions, natural disasters, government action, war, terrorism, public-health events, or security incidents.

You may not assign these terms without our consent. We may assign these terms as part of a merger, acquisition, financing, reorganization, sale of assets, or by operation of law. If any part of these terms is unenforceable, the remaining parts remain in effect.

Changes

We may update these terms from time to time. Material changes will be communicated before they take effect where required, and renewed acceptance will be requested where required. Posting an update alone does not establish consent to new data uses or retroactively change accrued claims or rights.

Contact

Questions about these terms can be sent to admin@summerjib.com.