Terms of Service

These Terms of Service (“Terms”) are an agreement between you and CardAPI (“we”, “us”). They govern your access to and use of the CardAPI service, including the API, the data it returns, the website, and the developer portal (collectively, the “Service”). By using the Service you agree to these Terms. If you do not agree, do not use the Service.

Service Provided As-Is

The CardAPI Service is provided “as is” and “as available” without warranties of any kind, either express or implied. We do not warrant that the Service will be uninterrupted, error-free, or available at any particular time.

Data Accuracy

Credit card data served through the CardAPI is sourced from issuer websites via automated extraction. While we make reasonable efforts to keep data current and accurate, we do not guarantee that any data point — including rewards rates, annual fees, benefits, or application criteria — is complete, accurate, or up to date.

Always verify critical information directly with the card issuer before making financial decisions. CardAPI is not a financial advisor and nothing in the Service constitutes financial advice.

Using CardAPI Data

“CardAPI data” means the card information the Service returns (card details, rates, fees, benefits, offers, history, images and everything else in an API response) and the database it comes from.

• Licensed, not sold. We own the compiled database of card data. Your plan gives you a limited, non-exclusive, non-transferable license to use CardAPI data as these Terms allow, for as long as that plan is active. You do not buy or own the data, and every right these Terms don't give you stays with us.
• What you may do. While your plan is active, you may display CardAPI data to the users of your own website, app, product or content, and store or cache API responses in order to do that. During a free trial, the data is for evaluation only (see Free trials).
• What you may not do.
  • Re-serve the raw data to others: offer it through an API or data feed of your own, as a CSV or spreadsheet download, or as any other bulk export. An API that only your own site or app uses to show the data to its users is fine.
  • Sell, sublicense or give anyone else the dataset or any part of it, other than by displaying it to your users as allowed above.
  • Use CardAPI data to build a competing credit card database or data product.
• Free trials. Data you fetch during a free trial is for evaluating CardAPI only until the trial becomes a paid plan. From then on, that plan covers it like any other data. If the trial ends without a paid plan, you must delete all of it within 30 days, including data the Free plan also returns.
• When a plan ends. A plan can end for any reason: for example, you cancel it, a payment fails or is disputed, or your account is closed or deleted. You then have 30 days to delete every dataset and cached API response you stored from that plan. On the Free plan you may fetch and store Free-plan data again while your account is open. A free trial that ends without a paid plan is covered under Free trials. Moving to another paid plan isn't a plan ending: see the next point.
• Moving to another paid plan. Your new plan covers the data from your old one. After a move to a lower plan, you have 30 days to delete the stored data and cached API responses that the new plan doesn't include.
• Published content. Articles, videos and other editorial content you published while your plan allowed it may stay up after the plan ends. They must not be updated with CardAPI data fetched after that, unless you have an active plan that includes that data.
• After your account ends. The rules in this section, including deleting data when a plan ends, continue to apply after your plan or account ends.
• If you break these rules. We may suspend or close your account, and we may require you to delete the CardAPI data you copied.

Acceptable Use

You agree not to use the Service in any way that:

• Involves scraping or bulk-downloading API responses to build a competing credit card database or data product
• Uses CardAPI data in a way that Using CardAPI Data does not allow
• Exceeds the rate limits associated with your subscription tier
• Involves sharing, reselling, or redistributing your API key to third parties
• Attempts to circumvent authentication, rate limiting, or access controls
• Violates any applicable law or regulation

Rate Limits

Each subscription tier carries specific rate limits (requests per day or per month). Limits are enforced automatically. Sustained or intentional violation of rate limits may result in temporary throttling or permanent account suspension.

Paid Plans, Trials and Cancellation

• Paid plans (Starter, Pro and Enterprise) are billed in advance, monthly or annually, through our payment processor, Stripe. A plan renews automatically at the end of each billing period until you cancel it.
• Free trial. Starter starts with a 7-day free trial, once per customer. A payment card is required to start it. A paid plan that is switched to Starter does not get a trial. Unless you cancel before the trial ends, you are charged the Starter price you chose ($29 per month or $279 per year) when it ends, and on each renewal after that. Data fetched during the trial is for evaluating CardAPI only until the trial becomes a paid plan (see Using CardAPI Data).
• Changing plans. Changes to a paid plan, to another plan or between monthly and annual billing, are made only in the developer portal, signed in as the account owner. Manage billing is for cancelling, your card and invoices; it does not change plans. A change starts as soon as you confirm it, and what you pay depends on the change:
  • An upgrade that keeps your billing period (monthly to monthly, or annual to annual) is charged the prorated difference for the rest of the current period that day.
  • A downgrade that keeps your billing period is not charged that day; the price difference for the rest of the current period is credited to your next invoice.
  • Switching between monthly and annual billing, in either direction and whether you move up or down, starts a new billing period on the day you switch: you are charged the new plan's full price that day, less a credit for the unused part of your previous plan. Any credit left over goes toward later invoices; credits are not refunded to your card.
  • During the Starter trial, moving to Pro or Enterprise ends the trial and you are charged the new plan's full price that day. Switching Starter between monthly and annual billing keeps the trial, and you are charged the new price when it ends.

  If your card is declined, you stay on your current plan. A plan can't be changed while a payment is overdue or while a cancellation is pending: update your card, or resume the plan, under Manage billing first.

• Cancelling. Cancel any time from the developer portal under “Manage billing”, or by emailing support@cardapi.dev. Your plan stays active until the end of the period you have paid for, then your account returns to the Free plan. Cancelling during the Starter trial keeps the trial until it ends, and you are not charged. Cancelling stops future charges; it does not refund the current period. Revoking your API keys does not cancel a subscription. When the plan or trial ends, see what to delete.
• Failed payments. If a payment for your plan fails, at a renewal or when the trial ends, Stripe retries it and your plan stays active for 7 days from the date the payment was due. If it still hasn't been paid by then, the account moves to the Free plan. The paid plan comes back once the payment goes through, unless the subscription has been cancelled by then.
• Disputes. If you dispute a charge with your bank, the paid plan ends and its subscription is cancelled. Please contact us first; we are glad to sort out a billing problem directly.

Account Suspension

We reserve the right to suspend or terminate your account, with or without notice, if we determine in our sole discretion that you have violated these Terms, engaged in abusive behavior, or pose a risk to the integrity or availability of the Service.

Modifications to Terms

We may update these Terms from time to time. For material changes, we will provide at least 30 days’ notice via email to the address associated with your account or via a prominent notice on the Service. Your continued use of the Service after the effective date of any change constitutes acceptance of the updated Terms.

Limitation of Liability

To the maximum extent permitted by applicable law, CardAPI and its operators shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, revenue, data, or business opportunities, arising out of or related to your use of or inability to use the Service — even if we have been advised of the possibility of such damages.

Our total aggregate liability to you for any claim arising out of or related to these Terms or the Service shall not exceed the amount you paid to us in the three months preceding the claim.

Governing Law

These Terms are governed by and construed in accordance with the laws of the jurisdiction where the operator of CardAPI is domiciled. Any disputes shall be resolved by the courts of the jurisdiction where the operator of CardAPI is domiciled.

Contact

Questions about these Terms or your bill? Reach us at support@cardapi.dev.