PerkTrack Terms of Service

These terms are an agreement between you and Summer Jib LLC, a Wyoming limited liability company. By using PerkTrack, you agree to these terms and the PerkTrack Privacy Policy. 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.

PerkTrack helps users organize credit cards, track benefits and statement credits, monitor deadlines, estimate card value, understand transaction-based benefit usage, and receive informational card or merchant recommendations.

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.

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.

The purchase flow displays the subscription title, duration, localized App Store price, trial or introductory offer if available, and renewal terms before purchase. You can manage or cancel subscriptions in your Apple account settings. Deleting your PerkTrack account does not automatically cancel an Apple App Store subscription.

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.

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.

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 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.

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.

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.

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.

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.

We are not responsible for third-party services, outages, policy changes, data limits, or errors outside our control.

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.

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.

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.

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.

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.

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.

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.

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.

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.

We may update these terms from time to time. Continued use of the services after updated terms are posted or after you accept the updated terms in-app means you accept the updated terms, except where law requires a different process.

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