Terms of Service

By accessing or using Credit Optimizer ("the Service"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use the Service. We reserve the right to modify these Terms at any time, and your continued use of the Service constitutes acceptance of any changes.

Credit Optimizer is an educational tool that helps users understand and optimize their credit card payment strategies. The Service provides:

• Credit utilization calculations and recommendations
• Payment date optimization based on statement cycles
• Estimated credit score impact projections
• Payment reminders and calendar exports
• What-if scenario analysis tools

When you create an account, you agree to:

• Provide accurate and complete information
• Maintain the security of your account credentials
• Be responsible for all activities that occur under your account
• Notify us immediately of any unauthorized access
• Not share your account with others

You are solely responsible for the accuracy of the credit card information you enter into the Service. We do not verify this information with your actual credit card issuers.

You agree NOT to:

• Use the Service for any illegal purpose
• Attempt to gain unauthorized access to our systems
• Interfere with or disrupt the Service
• Transmit viruses, malware, or other malicious code
• Scrape, copy, or reverse engineer any part of the Service
• Use the Service to spam or harass others
• Violate any applicable laws or regulations
• Impersonate another person or entity

The Service, including all content, features, and functionality, is owned by Credit Optimizer and is protected by copyright, trademark, and other intellectual property laws. You may not copy, modify, distribute, sell, or create derivative works from any part of the Service without our explicit written permission.

You agree to indemnify, defend, and hold harmless Credit Optimizer, its officers, directors, employees, and agents from any claims, liabilities, damages, losses, or expenses (including legal fees) arising from:

• Your use of the Service
• Your violation of these Terms
• Your violation of any third-party rights
• Any content you submit through the Service

The Service may integrate with or link to third-party services (such as calendar applications, email services, etc.). We are not responsible for these third-party services and their use is subject to their own terms and conditions. We do not endorse or make any representations about third-party services.

We reserve the right to suspend or terminate your access to the Service at any time, for any reason, without notice. Reasons for termination may include:

• Violation of these Terms
• Fraudulent or illegal activity
• Extended periods of inactivity
• At our discretion for any other reason

You may terminate your account at any time through the account settings page. Upon termination, your right to use the Service will immediately cease.

These Terms shall be governed by and construed in accordance with the laws of the United States, without regard to its conflict of law provisions. Any disputes arising from these Terms or your use of the Service shall be resolved in the courts located in the United States.

We reserve the right to modify these Terms at any time. We will notify users of any material changes by posting the updated Terms on this page and updating the "Last updated" date. Your continued use of the Service after changes are posted constitutes your acceptance of the modified Terms.