These Terms of Service ("Terms") govern your use of the Cardly app and website (the "Service") operated by Navidia Devs ("we", "us", or "our"). By accessing or using the Service, you agree to be bound by these Terms.
Cardly is a free cashback optimization tool that helps you identify the best credit card to use for each spending category. The Service provides informational recommendations only and does not process financial transactions, access bank accounts, or store financial credentials.
You agree to use the Service only for lawful purposes and in accordance with these Terms. You agree not to:
The Service is provided "AS IS" and "AS AVAILABLE" without warranties of any kind, whether express or implied. We do not guarantee that:
Always verify current rates and terms directly with your credit card issuer before making purchase decisions based on the Service's recommendations.
To the fullest extent permitted by law, Navidia Devs shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, arising out of or related to your use of the Service.
Card selections and preferences are stored locally in your browser. If you create an account, minimal account information (email address) is stored securely via our authentication provider. We do not collect, store, or have access to your financial account information, credit card numbers, or transaction history.
The Service and its original content, features, and functionality are owned by Navidia Devs and are protected by applicable intellectual property laws. Credit card names, logos, and brand colors remain the property of their respective issuers.
The Service may contain links to third-party websites or services that are not owned or controlled by us. We have no control over, and assume no responsibility for, the content or practices of any third-party sites or services.
We reserve the right to modify or replace these Terms at any time. If a revision is material, we will update this page with the new Terms. Your continued use of the Service after any changes constitutes acceptance of the new Terms.
We may terminate or suspend your access to the Service immediately, without prior notice, for conduct that we believe violates these Terms or is harmful to other users or third parties.
If you have any questions about these Terms, please contact us at cardlyappsupport@gmail.com.
These terms are effective as of 2026-05-19.