By accessing or using CCPerk, you agree to be bound by these Terms. If you do not agree, please do not use our services.
1Overview of the Service
CCPerk helps users analyze their credit card spending patterns and recommends suitable credit cards based on those patterns. This is done through:
- User-input card data
- Analysis of credit card transaction emails (if Gmail access is granted)
- Providing insights and personalized recommendations
2User Eligibility
By using the app, you confirm that:
- You are legally capable of entering into a binding contract.
- All information you provide is truthful and accurate.
3Account and Access
- You can create an account using your mobile number.
- Optional personal details (name, email, age, income, etc.) can be added to improve personalization.
- Access to your Gmail is strictly opt-in and used solely to analyze credit card-related transactional emails.
4Permissions and Consent
By signing in with Google and granting access to your Gmail, you:
- Authorize us to read only credit card-related transactional emails.
- Understand that we will not access, store, or use any unrelated personal or email content.
You can revoke access at any time via your Google Account settings.
5Privacy
Our use of your data is governed by our Privacy Policy. Key highlights:
- We do not sell or share your data with third parties.
- Data is securely stored in MongoDB Atlas.
- Firebase is used for crash monitoring and notifications.
6Intellectual Property
All content, designs, features, and code in the app are the intellectual property of CCPerk or its licensors. You may not:
- Copy, reproduce, or redistribute any part of the app
- Reverse-engineer or decompile any software used
7Restrictions
You agree not to:
- Use the app for illegal activities
- Attempt to gain unauthorized access to our systems
- Abuse, harass, or impersonate others on the platform
8Rewards and Perks
- The app offers Perks for engaging in certain activities
- Perks are not legal tender and cannot be converted to cash
- Perks can be redeemed for vouchers or gift cards (subject to availability and applicable terms)
9Modifications to the Service
We reserve the right to modify or discontinue the service at any time, with or without notice. We are not liable to you or any third party for any changes or interruptions.
10Termination
We may suspend or terminate your account if you violate these Terms or use the app in a harmful or unauthorized way.
You can also delete your account and associated data by contacting our support team.
11Disclaimer
CCPerk provides recommendations based on algorithms and analysis of your spending behavior. We do not guarantee approval for any credit card recommended through the app.
You are solely responsible for financial decisions made based on our suggestions.
12Limitation of Liability
To the fullest extent permitted by law, CCPerk is not liable for:
- Any financial loss arising from recommendations
- Unauthorized access to your account
- Errors, bugs, or interruptions in the service
13Governing Law
These Terms are governed by the laws of India. Any disputes arising shall be subject to the jurisdiction of the courts in Bhubaneswar, Odisha, India.
14Contact Us
For any questions, support requests, or account-related issues, please contact us at:
📧 contact@utkallabs.com15Updates to These Terms
We may update these Terms occasionally. Continued use of the app after changes are made indicates your acceptance of the revised Terms.