Terms of Service

These terms govern your use of the CreditRun iOS app and the creditrun.app website. Using either means you agree to what's below. Read it once — it's short.

1. What CreditRun is

CreditRun is an iOS app that helps you decide which credit card to use for a purchase based on each card's billing cycle. It is a personal planning tool — it is not financial advice, not a bank, and not a credit issuer.

2. Accuracy of information

Credit Free Days, available limits, and other calculations are computed from the card details and transactions you enter. If you enter incorrect dates or amounts, the rankings will be wrong. Always confirm directly with your card issuer before relying on this information for decisions involving real money.

3. Your responsibility

You are solely responsible for managing your credit, paying your bills on time, and any financial decisions you make. CreditRun is a tool to help you think — it is not a guarantee, a recommendation, or a substitute for your own judgment.

4. Purchases

CreditRun Pro is sold as a one-time in-app purchase processed by Apple via the App Store. Refunds, restorations, and disputes are handled by Apple under their App Store policies. Pro entitlements are tied to the Apple ID used at purchase and can be restored on any device signed in with that Apple ID.

5. Trial

New users get 7 days of full access to Pro features. After the trial ends, the app falls back to the free tier unless Pro is purchased. The trial does not auto-charge — it simply expires.

6. Acceptable use

You agree not to:

• Reverse engineer, decompile, or attempt to extract source code from the app.
• Use the app in any way that violates applicable law.
• Misrepresent your relationship with CreditRun (we are not affiliated with any bank or card issuer).

7. Disclaimer of warranty

CreditRun is provided "as is," without warranty of any kind. We do not promise the app will be uninterrupted, error-free, or that the calculations will be suitable for your circumstances.

8. Limitation of liability

To the maximum extent permitted by law, CreditRun shall not be liable for any indirect, incidental, consequential, or punitive damages arising from your use of the app — including any financial loss, missed payments, or credit score impact.

9. Changes

We may update these terms over time. Material changes will be reflected at this URL with a new effective date. Continued use of the app after changes means you accept the updated terms.

10. Contact

Questions? Reach out via @CreditRun on X.