1. Informational Purposes Only
Justify Cards is provided as a personal tracking tool for credit card benefits and credits. All data, calculations, recommendations, and valuations provided by this application are for informational purposes only.
2. Not Financial Advice
We are not financial advisors, and the use of this tool does not constitute financial, investment, tax, or legal advice. You should always verify terms and conditions directly with your credit card issuer before making financial decisions, redemptions, applications, or product changes.
3. Limitation of Liability
By using this site, you agree that Justify Cards and its developers shall not be held liable for any financial losses, missed credits, expired benefits, bank errors, issuer decisions, or other outcomes resulting from the use or misuse of the information provided herein.
Use of the manual "Subjective Value" editing feature is entirely at your own discretion and risk.
4. Data Accuracy
While we strive to keep card templates and benefit data up to date, credit card terms, eligibility rules, benefits, credits, and signup bonuses change frequently. We do not warrant the accuracy, completeness, or timeliness of the benefit data provided in our catalog.
5. Acceptance of Terms
By accessing Justify Cards, you acknowledge that you have read, understood, and agree to be bound by these terms.
6. Affiliate Disclosure & Third-Party Links
Justify Cards contains affiliate links to third-party credit card issuers and financial institutions. If you apply for a credit card or financial product through our links, we may receive financial compensation from the issuer.
Recommendations generated by our optimization tools are based on mathematical models and user-inputted data; they do not guarantee approval by the financial institution. We are not responsible for the approval decisions, terms, underwriting criteria, or changing signup bonuses of third-party issuers. You are solely responsible for reviewing the issuer's official terms and conditions before applying for any financial product.