The terms governing your use of the IntelliCard mobile app.
By using IntelliCard, you agree to these Terms and our Privacy Policy. If you do not agree, do not use the app.
IntelliCard can be used with a guest profile, a local email/password profile, or Sign in with Apple on supported devices. No bank login is needed. These profiles are for access on your device and do not create a managed banking, lending, or custodial account with IntelliCard.
IntelliCard provides card recommendations, balance tools, statement import, interest estimates, and card health indicators for informational purposes only. It is not financial, legal, tax, investment, or credit advice. Always verify amounts and dates with your card issuer.
IntelliCard is not a bank, card issuer, lender, broker, or credit bureau. We do not make lending decisions and do not act on your behalf with any card issuer.
You are responsible for:
PDF statement import and recommendation logic use text extraction, parser rules, heuristics, and local calculations that may be incomplete or wrong. Statement import does not perform OCR. The app does not support recording or importing line-item transactions. You should verify imported statement details, due dates, balances, limits, APR, minimum due, and interest amounts before saving or acting on them.
Interest charges, card health status, and utilization indicators shown in the app are estimates based on the data you provided. Actual interest, fees, and account status are determined by your card issuer. IntelliCard is not responsible for differences between estimates and actual charges.
Balance-nudge prompts and reminder notifications are convenience features that help keep your card data fresh. They may be delayed, unavailable, or hidden by device settings. They do not replace checking your actual card balances and account statements.
Certain features may be available only to premium subscribers. Feature availability, pricing, and tier assignments may change. Free-tier features may be moved to premium, or premium features may become free, at our discretion with reasonable notice.
Widget content, reminders, and local notifications are convenience features only. They may be delayed, unavailable, hidden by device settings, or stale, and they do not replace reviewing your actual card statements and account obligations.
If you create an encrypted backup, export a file, share diagnostics, or send feedback email, you are responsible for the destination you choose and for protecting any copied file or message outside the app. IntelliCard does not control third-party storage, mail, or share targets you select.
Some features depend on Apple or device services, such as Sign in with Apple, App Store purchases, iCloud Drive, iCloud Keychain, Face ID or biometrics, document picking, notifications, widgets, and mail or browser apps. Purchase verification may use RevenueCat. Those services are governed by their own terms and availability.
We may modify, suspend, or discontinue features at any time. We may also update these Terms by publishing a revised version with a new effective date.
You may stop using IntelliCard at any time. Using the app's delete-account or reset options removes local data from the device for the selected profile or app installation, but does not retract files, emails, or backups you already shared elsewhere.
The app is provided "as is" and "as available" without warranties of any kind, express or implied, including accuracy, fitness for a particular purpose, merchantability, or non-infringement.
To the fullest extent permitted by law, IntelliCard is not liable for indirect, incidental, special, consequential, punitive, or purely financial losses arising from your use of the app, including missed reminders, inaccurate recommendations, interest estimate errors, import errors, or lost access to local data or backup files.
If you have questions about these Terms, contact us: