Terms of Service

1. Acceptance of Terms

By accessing or using OptimalCardSetup ("the Service"), operated by Fortesen LLC ("Company", "we", "us", "our"), available at optimalcardsetup.com, you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use the Service.

2. Description of Service

OptimalCardSetup is a credit card optimization tool that uses mathematical constraint solving (Google OR-Tools CP-SAT) to determine the provably optimal combination of credit cards based on your self-reported monthly spending. You provide spending category estimates (e.g., "$300/mo on dining"), and the solver returns the mathematically best card setup to maximize your rewards.

3. Account Terms

To use certain features of the Service, you must create an account using Google or Microsoft OAuth. You are responsible for maintaining the security of your account. You must provide accurate information when creating your account. You may not use another person's account without permission.

4. Free and Premium Tiers

OptimalCardSetup offers a free tier and a Premium tier. The free tier includes the core optimizer with up to 3 cards and a single optimal result. Premium ($9/month) unlocks additional features including up to 10 cards, alternative setups, what-if analysis, and custom credit valuations. Feature availability may change over time, and we will notify users of material changes.

5. Payment and Billing

Premium subscriptions are billed monthly at $9/month through Stripe. By subscribing, you authorize us to charge your payment method on a recurring basis. You may cancel your subscription at any time through your account menu or the Stripe billing portal. Upon cancellation, you retain Premium access until the end of your current billing period. No refunds are provided for partial billing periods.

6. Intellectual Property

The Service, including its optimization algorithms, user interface, and content, is owned by OptimalCardSetup and protected by intellectual property laws. You may not copy, modify, distribute, or reverse-engineer any part of the Service. Your spending data and optimization results are yours; we claim no ownership over the data you provide or the results generated for you.

7. Disclaimer — Not Financial Advice

OptimalCardSetup does not provide financial, investment, credit, or legal advice and does not act as a financial advisor, credit counselor, or broker. The Service is a mathematical optimization tool provided for educational and informational purposes only. The Service does not constitute financial, investment, tax, or legal advice and should not be relied upon as a substitute for consultation with qualified professionals.

Results are based solely on the spending estimates you provide and publicly available card reward structures. We make no representations or warranties regarding the accuracy, completeness, or timeliness of card data. Credit card terms, rewards rates, annual fees, and approval criteria may change at any time without notice. Always verify current terms directly with the card issuer before applying for any credit card.

OptimalCardSetup does not guarantee approval for any credit card product, does not evaluate your creditworthiness, and does not make lending decisions. Applying for credit cards may affect your credit score. You are solely responsible for any financial decisions you make based on information provided by the Service.

8. Limitation of Liability

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

To the maximum extent permitted by law, OptimalCardSetup, its operators, officers, employees, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, goodwill, or other intangible losses, resulting from: (a) your use of or inability to use the Service; (b) any card recommendations or optimization results provided by the Service; (c) any financial decisions you make based on information from the Service; (d) any changes to credit card terms, rewards, or fees by card issuers; or (e) unauthorized access to or alteration of your data.

Without limiting the foregoing, you specifically acknowledge that OptimalCardSetup bears no responsibility for any credit card application outcomes, credit score changes, annual fees incurred, or rewards not received. Our total aggregate liability for any and all claims arising from or related to the Service shall not exceed the lesser of (i) the amount you paid us in the 12 months preceding the claim, or (ii) one hundred dollars ($100).

9. Affiliate Links

The Service may contain affiliate links to credit card applications. We may earn a commission when you apply for a card through these links. Affiliate relationships do not influence our optimization results in any way. Recommendations are determined solely by mathematical optimization based on your spending profile. For more details, see our Affiliate Disclosure.

10. User Conduct

You agree not to: (a) use the Service for any unlawful purpose; (b) attempt to gain unauthorized access to the Service or its systems; (c) interfere with or disrupt the Service or servers; (d) scrape, crawl, or use automated means to access the Service without permission; (e) impersonate another person or entity; or (f) use the Service in any manner that could damage, disable, or impair the Service.

11. Termination

We may suspend or terminate your account at any time for violation of these Terms, with or without notice. You may delete your account at any time by contacting us. Upon termination, your right to use the Service ceases immediately. Any provisions of these Terms that by their nature should survive termination will remain in effect.

12. Changes to Terms

We may update these Terms from time to time. When we make material changes, we will update the "Last updated" date at the top of this page. Your continued use of the Service after changes constitutes acceptance of the updated Terms. We encourage you to review these Terms periodically.

13. Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the State of Iowa, without regard to its conflict of law provisions.

Binding Arbitration: Any dispute, claim, or controversy arising out of or relating to these Terms or the Service shall be resolved by binding arbitration administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules. The arbitration shall be conducted in English, and the arbitrator's decision shall be final and binding. Judgment on the award may be entered in any court of competent jurisdiction.

Class Action Waiver: You agree that any arbitration or proceeding shall be limited to the dispute between us individually. To the fullest extent permitted by law: (a) no arbitration shall be joined with any other proceeding; (b) there is no right or authority for any dispute to be arbitrated on a class-action basis; and (c) there is no right or authority for any dispute to be brought in a purported representative capacity on behalf of the general public or any other persons.

Exceptions: Notwithstanding the above, either party may seek injunctive or other equitable relief in any court of competent jurisdiction to prevent the actual or threatened infringement of intellectual property rights. Small claims court actions that qualify are also exempt from arbitration.

14. Contact

If you have questions about these Terms, please contact us at support@optimalcardsetup.com.