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Terms of Use

Effective: v1 beta.

Educational use, not financial advice

TAP is an educational tool for comparing credit card earn rates against hypothetical purchases. Nothing shown in the app is financial, tax, legal, or credit advice. Any decision to spend, apply for a card, or redeem points is yours.

No affiliation with issuers

TAP is independent. Card names, program names, and offers referenced in the app are the property of their respective issuers and are used for identification and education only.

Illustrative data

The built-in card catalog is transcribed from public issuer terms and labeled with a "rates as of" date. Rates, benefits, and offers change without notice. Any example offers shown in demos are illustrative. Before you rely on a rate or offer, verify it with the issuer.

Your account

You are responsible for keeping your login credentials secure and for the accuracy of the cards, offers, and assumptions you enter. You may delete your account at any time from Settings.

Acceptable use

Do not use TAP to attempt to disrupt the service, scrape data at scale, or reverse-engineer other users' data. We may suspend accounts that materially violate these terms.

Disclaimer of warranties

The service is provided "as is." To the maximum extent allowed by law, TAP disclaims all warranties, express or implied, including fitness for a particular purpose. TAP is not liable for financial decisions made on the basis of any output of the app.

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