Effective date:
Using Perkly
These terms cover the Perkly website, the Perkly API and the Perkly Chrome extension (together, "Perkly"). By using Perkly, you agree to them. If you don't agree, please don't use it. Our privacy policy explains what happens to your data.
Not financial advice
Perkly gives general information to help you compare the rewards your own cards earn. It isn't financial, credit or tax advice, and it doesn't know your full financial situation. Decisions about which cards to apply for, carry or use are yours. If you need advice for your situation, talk to a qualified professional.
Recommendations are estimates
Perkly's recommendations and dollar amounts are estimates. They are based on public card terms, such as earn rates, bonus categories, spending caps and fees, and on typical point values. These can be wrong or out of date:
- banks change earn rates, caps, promotions and fees, sometimes without much notice;
- what you earn depends on how a store is coded by your card network, which Perkly can't see or control;
- what a point is worth depends on how you redeem it.
Always check your card issuer's current terms before you rely on a recommendation. If Perkly and your issuer disagree, your issuer is right.
No affiliation
Perkly is independent. It isn't affiliated with, endorsed by or sponsored by any bank, card issuer or card network, or by any store it works with. Perkly has no affiliate links and earns nothing when you pick a card.
Bank, card, card network, rewards program and store names are trademarks of their owners. Perkly uses them only to identify the cards and stores it describes.
Acceptable use
Please use Perkly for its purpose: finding the best card for your own purchases. Don't:
- scrape or bulk-download the website or the API, or copy the card catalogue to build another service;
- send automated or excessive requests, get around the API's rate limits or do anything that slows Perkly down for other people;
- try to break into, disrupt or probe the security of Perkly or the services it runs on;
- use Perkly for anything illegal, or to mislead people about what it is or who runs it.
We may block requests or access that break these rules.
No warranty
Perkly is provided "as is" and "as available". We try to keep it accurate and working, but we don't promise that it is accurate, complete, up to date, uninterrupted or free of errors. To the extent the law allows, we make no warranties of any kind, express or implied, including fitness for a particular purpose.
Limited liability
To the extent the law allows, we aren't liable for any loss or damage that comes from using Perkly or relying on it. This includes rewards you didn't earn, fees or interest you paid, and choices you made about which card to use or apply for. Perkly is free, and you use it at your own risk.
Some places don't allow certain warranties or liabilities to be excluded. Where that is the case, these terms apply only as far as the law allows, and nothing here limits rights you have under consumer protection law that can't be waived.
A free service that may change
Perkly is free. We may change, add or remove features, cards or stores, or stop offering Perkly, at any time and without notice. We may also update these terms. When we do, we'll change this page and the effective date. If you keep using Perkly after a change, the updated terms apply.
Governing law
These terms are governed by the laws of the Province of Ontario and the federal laws of Canada that apply there. Any dispute about them or about Perkly will be heard by the courts of Ontario.
Contact
Questions about these terms? Email frickwu0316@gmail.com.