Terms of service

Effective September 19, 2026

Credo provides educational reward calculations based on information supplied by the user or AI client. Credo is not a bank, card issuer, travel agency, financial adviser, or booking service.

Verify before acting

Reward terms, merchant coding, eligibility, availability, fees, and valuations can change. Verify all material information with the issuer or loyalty program before acting. You are responsible for following applicable issuer and program rules.

Acceptable use

You may not use Credo for fraud, account abuse, manufactured spending, cash-equivalent cycling, credential theft, or evading issuer restrictions.

Availability

The service is provided as available and may change or be discontinued. To the fullest extent permitted by law, Credo is not responsible for losses caused by inaccurate user-supplied terms, changed issuer rules, or decisions made from its calculations.

Contact

Questions about these terms can be sent to hello@gijungkim.com.