Terms and Conditions

By continuing, you confirm that you have read and agree to these Terms and Conditions and the Privacy Policy. If you do not agree, do not continue creating or using a Credily account.

You are responsible for making sure the email address and account information you provide are accurate and that you are allowed to use the financial accounts or cards you connect.

Credily uses email-based one-time passcodes for sign-in. Keep access to your email account and device secure. Anyone who can receive your passcode may be able to access your Credily account.

You agree not to impersonate another person, create accounts using information you do not control, interfere with Credily systems, or use the app for fraudulent, abusive, or unlawful activity.

Credily helps you understand which linked card may be more rewarding for a purchase, track reward-related activity, and receive nearby card recommendation prompts when enabled.

Recommendations are informational. Credily is not your bank, card issuer, accountant, financial advisor, or credit advisor. You remain responsible for deciding which card to use and for reviewing issuer terms, reward rules, fees, and billing details.

When you connect accounts through Plaid, Credily can receive card, account, institution, and transaction information needed to power the app. You should only connect accounts you own or are authorized to access.

Some features use location permission and notifications. You can change these permissions in iOS Settings or inside the app, but disabling them may reduce or stop nearby recommendation features.

Credily subscriptions are handled through Stripe-hosted checkout and the Stripe Customer Portal. The app displays subscription details provided by Credily’s backend and Stripe-backed plan configuration.

Subscriptions may renew until cancelled. You can manage or cancel your subscription from the subscription management flow in the app. Payment method handling, billing attempts, invoices, and payment confirmation are processed by Stripe.

You can request account deletion from Settings. Credily will process the request, cancel the Stripe subscription associated with the account when applicable, revoke connected Plaid items where possible, remove account data tied to the user, and retain limited non-personal audit information where needed to verify the deletion outcome.

Deletion processing may take time if a third-party provider is unavailable or a retry is needed. Once completed, deletion is intended to be irreversible.

Credily may update the app, features, pricing, subscription behavior, recommendations, or these terms. Continued use after changes means you accept the updated terms.

Credily may be unavailable during maintenance, provider outages, network failures, or operational incidents. We try not to make that your problem, but software has a long history of trying anyway.