Terms & Conditions

1. Acceptance of Terms

By accessing or using KoKo Credit Card Assistant ("KoKo," "we," "our," or "us"), you agree to be bound by these Terms & Conditions. These terms apply to all users of our website and services.

2. Description of Service

KoKo provides:

• Card Search: Search and explore credit card offers from various issuers
• AI-Powered Insights: Personalized analysis and recommendations based on card features
• Comparison Tools: Side-by-side comparison of credit card features
• Manage My Cards (Coming Soon): Track and optimize your credit card portfolio

3. Educational Purpose Only

4. No Affiliation with Card Issuers

KoKo is an independent platform. We are:

• NOT affiliated with, endorsed by, or sponsored by any credit card issuer
• NOT responsible for the accuracy of card information provided by issuers
• NOT liable for changes to card terms, fees, or benefits made by issuers

Always verify card details directly with the issuer before applying.

5. Accuracy of Information

While we strive to provide accurate and up-to-date information:

• Card details (fees, benefits, rewards) may change without notice
• We aggregate data from public sources and may not capture all recent updates
• AI-generated insights are based on available data and may not reflect your individual circumstances
• You should always verify current offers directly with the card issuer

6. User Responsibilities

When using KoKo, you agree to:

• Provide accurate information (when using Manage My Cards features)
• Use the service for lawful purposes only
• Not attempt to manipulate, hack, or misuse our platform
• Not scrape or copy our content for commercial purposes
• Verify all credit card information before making financial decisions

7. Disclaimer of Warranties

KoKo is provided "AS IS" and "AS AVAILABLE" without warranties of any kind, either express or implied, including but not limited to:

• Accuracy, completeness, or reliability of information
• Fitness for a particular purpose
• Uninterrupted or error-free operation

8. Limitation of Liability

To the fullest extent permitted by law:

• KoKo is NOT liable for any financial losses or damages resulting from use of our service
• We are NOT responsible for credit card application outcomes
• We are NOT liable for inaccurate or outdated card information
• Our total liability shall not exceed $100 or the amount you paid us (currently $0)

9. Third-Party Links

KoKo may contain links to credit card issuer websites and other third-party sites:

• We are NOT responsible for the content or practices of third-party sites
• Clicking on external links is at your own risk
• Review the terms and privacy policies of any sites you visit

10. Intellectual Property

All content on KoKo, including but not limited to text, graphics, logos, and software, is the property of KoKo or its licensors and is protected by copyright and intellectual property laws.

You may NOT:

• Copy, reproduce, or distribute our content without permission
• Use our branding or trademarks without authorization
• Reverse engineer or decompile our software

11. Privacy

Your use of KoKo is also governed by our Privacy Policy. Please review it to understand how we collect and use information.

12. Changes to Terms

We reserve the right to modify these Terms & Conditions at any time. Changes will be effective immediately upon posting. Your continued use of KoKo after changes constitutes acceptance of the modified terms.

13. Termination

We reserve the right to:

• Suspend or terminate access to KoKo for any user who violates these terms
• Discontinue the service at any time without liability

14. Governing Law

These Terms & Conditions are governed by the laws of the United States. Any disputes shall be resolved in accordance with applicable law.

15. Contact Us

If you have questions about these Terms & Conditions:

• Email: team@kokofinance.net
• Website: Contact Form