Last updated: April 3, 2026
Welcome! These Terms of Service ("Terms") are between you ("you," "your," or "user") and Savvx LLC ("SavvX," "we," "us," or "our"). These Terms apply to your use of the SavvX platform at savvx.com and related services ("the Service").
By creating an account, accessing, or using the Service, you agree to these Terms. If you do not agree, do not use the Service.
SavvX is a credit card rewards optimization platform. We analyze your spending patterns and recommend credit cards that maximize your rewards value. The Service includes transaction analysis, wallet optimization, spending insights, and related features.
We do not provide legal, financial, accounting, tax, investment, or other professional advice. SavvX provides informational recommendations based on publicly available credit card data and your spending patterns. Our recommendations are not financial advice.
You agree to seek the services of a competent financial professional when you need financial advice, and you will not rely solely on SavvX's recommendations for material financial decisions. We are not responsible for credit card approval decisions made by card issuers, changes to card terms, or any financial outcomes resulting from your use of the Service.
You must be at least 18 years old, capable of forming a binding contract, a resident of the United States, and not a person prohibited from using the Service under applicable law. By registering, you represent that this is the case.
The Service is licensed, not sold. Subject to your compliance with these Terms, we grant you a personal, limited, non-exclusive, non-transferable, revocable license to access and use the Service during your active subscription. No other rights are granted. You may not:
We make every effort to maintain accurate credit card data, including reward rates, annual fees, and benefits. However, card issuers may change their terms at any time without notice. SavvX is not responsible for discrepancies between our data and current card issuer terms. Neither SavvX nor any of its data providers guarantees the accuracy, completeness, or timeliness of card information. Always verify with the card issuer before making financial decisions.
The Service integrates with the following third-party providers to deliver its functionality:
You acknowledge and agree that when we or our third-party providers access your account information, we are acting as your agent, and not as the agent of any financial institution. We are not responsible for the accuracy of data received from third-party providers. You agree that any liability arising from third-party services is solely between you and the provider.
By providing your phone number, you consent to receiving SMS messages from SavvX for account verification purposes. You may also opt in to receive coaching alerts via your account settings. You can opt out of coaching alerts at any time by replying STOP to any message or via Settings. Standard messaging rates may apply. We do not share SMS opt-in data with third parties.
If you provide feedback, suggestions, or ideas to SavvX, you grant us a perpetual, worldwide, fully transferable, irrevocable, royalty-free license to use, reproduce, modify, and distribute that feedback in any manner and for any purpose, without compensation to you.
YOUR USE OF THE SERVICE IS ENTIRELY AT YOUR OWN RISK. THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE." TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, SAVVX LLC, ITS AFFILIATES, AND ITS THIRD-PARTY PROVIDERS DISCLAIM ALL WARRANTIES, EXPRESS, IMPLIED, OR STATUTORY, INCLUDING ANY WARRANTY OF FITNESS FOR A PARTICULAR PURPOSE, TITLE, MERCHANTABILITY, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE IS SECURE, ERROR-FREE, OR UNINTERRUPTED, OR THAT ANY DATA PROVIDED IS ACCURATE, RELIABLE, OR COMPLETE. WE DO NOT WARRANT THAT THE SERVICE WILL MEET YOUR REQUIREMENTS OR THAT ANY DEFECTS WILL BE CORRECTED.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, SAVVX LLC SHALL NOT BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, EXEMPLARY, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR DAMAGES RELATING TO LOSS OF DATA, LOSS OF REVENUE, LOSS OF PROFITS, OR FAILURE OF SECURITY, WHETHER BASED IN CONTRACT, TORT, OR OTHERWISE, EVEN IF SAVVX HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. THE TOTAL LIABILITY OF SAVVX FOR ALL CLAIMS ARISING UNDER THESE TERMS SHALL NOT EXCEED THE AMOUNT YOU PAID TO SAVVX FOR THE SERVICE DURING THE TWELVE (12) MONTHS PRECEDING THE CLAIM.
You agree to indemnify, defend, and hold Savvx LLC, its affiliates, and its service providers harmless from any and all claims, liabilities, costs, and expenses (including reasonable attorneys' fees) arising from: (a) your use of the Service, (b) your breach of these Terms, (c) your violation of any law or the rights of any third party, or (d) your use of third-party services accessed through SavvX.
Please read this section carefully. It affects your legal rights.
Any dispute or claim relating in any way to the Service or these Terms will be resolved by binding arbitration, rather than in court, except that you may assert claims in small claims court if your claims qualify.
The Federal Arbitration Act governs the interpretation and enforcement of this provision. The arbitrator shall apply New York law to all other matters.
Class Action Waiver: You and SavvX each agree that any and all disputes must be brought in the parties' individual capacity and not as a plaintiff or class member in any purported class, collective, or representative proceeding. You agree that you and SavvX are each waiving the right to file a lawsuit, the right to a trial by jury, and the right to participate in a class action.
Opt-Out: You may opt out of binding arbitration by sending written notice to support@savvx.com within 30 days of creating your account. The notice must include your name, email address, and a statement that you wish to opt out of binding arbitration.
We may suspend or terminate your account immediately, in our sole discretion and without notice, if you fail to comply with these Terms. You may delete your account at any time via Settings. Upon termination, your data will be permanently deleted as described in our Privacy Policy. The following sections survive termination: Disclaimer of Warranties, Limitation of Liability, Indemnification, Binding Arbitration, and Governing Law.
If Savvx LLC is acquired by or merged with another company, or in the event of a transfer of assets, reorganization, or liquidation, we may transfer your account information (including personal information) to the new owner. The new owner will assume responsibility for your information as described in these Terms and our Privacy Policy.
We may update these Terms from time to time. If we make material changes, we will notify registered users via email or in-product notice. Your continued use of the Service after changes constitutes acceptance of the new Terms.
These Terms are governed by the laws of the State of New York, without regard to conflict of law principles. For disputes not subject to arbitration, you consent to the exclusive jurisdiction of the state and federal courts located in New York.
If any provision of these Terms is found to be invalid or unenforceable, that provision will be enforced to the maximum extent possible, and the remaining provisions will continue in full force and effect.
These Terms, together with the Privacy Policy, constitute the entire agreement between you and SavvX regarding the Service. In the event of a conflict between these Terms and the Privacy Policy, the Privacy Policy shall prevail as to matters specifically stated therein.
Questions about these Terms? Contact us at: