Perk Terms of Service

These terms are an agreement between you and Summer Jib LLC, a Wyoming limited liability company. By using Perk, you agree to these terms and the Perk Privacy Policy. If you do not agree, do not use Perk.

Perk 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.

Perk provides informational tooling only. Perk is not a bank, card issuer, lender, credit repair organization, credit reporting agency, tax advisor, financial advisor, or legal advisor. Perk does not guarantee card approval, eligibility, reward value, statement credit availability, redemption outcome, or issuer treatment.

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.

Perk depends on data from Plaid, financial institutions, card issuers, merchants, manual user inputs, and internal matching rules. Data may be delayed, incomplete, stale, mislabeled, unavailable, or interpreted incorrectly. Perk may show incomplete insights if a connection breaks, an institution requires relinking, a transaction is pending, or an issuer changes available data.

You retain ownership of manual card details, statement files, 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 Perk.

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 may depend on third-party platforms and providers, including Apple, Google, Firebase, RevenueCat, Plaid, payment processors, AI providers, analytics, crash reporting, 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.

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.

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, non-infringement, accuracy, availability, and uninterrupted or error-free operation.

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.

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

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