Terms & Conditions
The website located at www.AltWallet.ai (the “Site”) is a copyrighted work owned by AltWallet, Inc. (the “Owner”), a Delaware corporation (together with Owner, “we”, “us” or “our”). We provide services via the Site and certain applications (“Apps”) that inform users about available credit card offers, their own credit cards, and associated award programs. Our Apps also suggest credit cards that may be preferred for some transactions based on applicable rewards programs details. Our Site, the Apps, and all other websites, applications, widgets, e-mail notifications and other mediums through which you have accessed this Agreement (via desktop, mobile or other application) are collectively referred to as the “Services”. Services also include co-branded or white-labeled versions of any of our websites, Apps, and other products.
Our Services are intended to be accessed and used only by adults and are not directed to minors. We do not knowingly collect personally identifiable information by anyone under the age of 18, and you should not provide us with any information regarding an individual under the age of 18.
By accessing, downloading, or using the Services, including any co-branded or white-labeled versions of the Services: (a) you are accepting these Terms of Use (“Agreement”) and our Privacy Policy; (b) you acknowledge that this Agreement is supported by reasonable and valuable consideration, including, without limitation, your ability to visit, use and/or submit information to our Services; (c) you represent that you have the capacity to be bound by this Agreement, or if you are acting on behalf of a company or other entity, you have the authority to bind such company or entity; and (d) you represent that you are at least eighteen (18) years old. In order to determine your compliance with this Agreement, we may monitor your access and use of our Services in accordance with our Privacy Policy. If you do not agree with all the provisions of this Agreement, do not access or use our Services.
THIS AGREEMENT CONTAINS A BINDING ARBITRATION AGREEMENT, WHICH PROVIDES THAT YOU AND WE AGREE TO RESOLVE CERTAIN DISPUTES THROUGH BINDING INDIVIDUAL ARBITRATION AND GIVE UP ANY RIGHT TO HAVE THOSE DISPUTES DECIDED BY A JUDGE OR A JURY. YOU HAVE THE RIGHT TO OPT OUT OF OUR AGREEMENT TO ARBITRATE. SEE THE LEGAL DISPUTES SECTION OF THIS AGREEMENT.
Subject to the terms of this Agreement and the Privacy Policy, we may offer you various Services. Below are terms and conditions governing these Services.
AltWallet offers a mobile app that provides the following services:
Card and Bank Account Recommendations: Our app recommends which credit cards or bank accounts you should use, taking into account rewards, program details, rewards goals, and utilization rates.
Additional Card Recommendations: Based on your goals and purchasing history, we may recommend additional credit cards for you to apply for.
Purchase Insights and Guidance: We provide insights and guidance based on your purchase history to help you make informed financial decisions.
Location-Based Recommendations: We recommend which card to use based on your physical location or the website you are shopping on.
Merchant Tools: We offer tools for merchants, including a checkout platform and tools to reduce abandoned carts, expedite the checkout process, and allow customers to pre-fill their information for transactions.
- We make no guarantee that you will be matched with a Service Provider if you submit a Match Request.
- If you make either a complete or incomplete Request, then you agree that Your Information provided in connection with your Match Request may be used and disclosed as set forth in the Privacy Policy. Without limiting anything in the Privacy Policy, you authorize Service Providers, and their affiliates and third-party service providers, to conduct all necessary research with your information, including checking your credit history, if applicable, for purposes of providing you with your Match Request.
- If you make a Match Request, then you expressly authorize us and up to ten (10) Service Providers and us to contact you by telephone, fax and email at the numbers and addresses provided in your Match Request, for purposes of providing you with the information, rates, quotes, offers products and services indicated in your Match Request. You consent to receive telephone calls from Service Providers and us, even if the phone number that you provided on your Match Request is on any “Do Not Call” list. You also consent to Service Providers and us making recorded calls to remind you of deadlines or other issues in connection with your Match Request.
- You are solely responsible for complying with applicable laws and regulations in connection with your use of any services offered by us or a Service Provider.
- The Fair Credit Reporting Act allows you to obtain a disclosure from every credit reporting agency of the nature and substance of all information in your file at the time of the request. Full disclosure of information in your file at TransUnion® must be obtained directly from TransUnion by logging on to https://www.transunion.com/personal-credit/customer-support/faqs/credit-reports-and-disclosures.page#freeAnnualReport. The credit report you are requesting from us is not intended to constitute the disclosure of TransUnion information required by the Fair Credit Reporting Act or similar state laws.
- You are entitled to receive a disclosure directly from each of the consumer reporting agencies free of charge under the following circumstances:
- You have been denied credit, insurance or employment within the past sixty (60) days as a result of your credit report;
- You certify in writing that you are unemployed and intend to apply for employment in the 60-day period beginning on the date on which you made the certification;
- You are a recipient of public welfare assistance;
- You have reason to believe that your file at the agency contains inaccurate information due to fraud;
- Annually at www.annualcreditreport.com.
- The Fair Credit Reporting Act permits you to dispute inaccurate or incomplete information in your credit file. You understand that accurate information cannot be changed.
- You do not have to purchase your credit report or other information from us to dispute inaccurate or incomplete information in your TransUnion file or to receive a copy of your TransUnion consumer credit report.
- TransUnion provides a proprietary consumer disclosure that is different from the consumer credit report provided through our Services. The disclosure report must be obtained directly from TransUnion. Consumers residing in the States of Colorado, Massachusetts, Maryland, New Jersey, and Vermont may receive a free copy of their consumer credit report once per year and residents of the State of Georgia may receive two copies per year.
- By creating an account for credit score and credit report Services, you are providing written instructions to AltWallet, Inc. under the Fair Credit Reporting Act to obtain information from your personal credit profile from TransUnion. You authorize AltWallet, Inc. to obtain such information solely to confirm your identity and as long as you are a member of this website, provide you with credit information, a risk score, educational materials, and recommendations for credit or other service options. If at any time you desire to terminate this authorization you may do so with no further obligations. Enrollment in this service is completely free.
- You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any “credit repair” company or credit repair organization has the right to have accurate, current, and verifiable information removed from your credit report. The credit bureau must remove accurate, negative information from your report only if it is over 7 years old. Bankruptcy information can be reported for 10 years.
- You have a right to obtain a copy of your credit report from a credit bureau. You may be charged a reasonable fee. There is no fee, however, if you have been turned down for credit, employment, insurance, or a rental dwelling because of information in your credit report within the preceding 60 days. The credit bureau must provide someone to help you interpret the information in your credit file. You are entitled to receive a free copy of your credit report if you are unemployed and intend to apply for employment in the next 60 days, if you are a recipient of public welfare assistance, or if you have reason to believe that there is inaccurate information in your credit report due to fraud.
- You have a right to sue a credit repair organization that violates the Credit Repair Organization Act. This law prohibits deceptive practices by credit repair organizations.
- You have the right to cancel your contract with any credit repair organization for any reason within 3 business days from the date you signed it.
- Credit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate. However, mistakes may occur.
- You may, on your own, notify a credit bureau in writing that you dispute the accuracy of information in your credit file. The credit bureau must then reinvestigate and modify or remove inaccurate or incomplete information. The credit bureau may not charge any fee for this service. Any pertinent information and copies of all documents you have concerning an error should be given to the credit bureau.
- If the credit bureau’s reinvestigation does not resolve the dispute to your satisfaction, you may send a brief statement to the credit bureau, to be kept in your file, explaining why you think the record is inaccurate. The credit bureau must include a summary of your statement about disputed information with any report it issues about you.
- Information that infringes our or any third party’s copyright, patent, trademark, trade secret or other proprietary rights;
- Information that violates any law, statute, ordinance or regulation;
- Information that is trade libelous, unlawfully threatening, unlawfully harassing, defamatory, obscene, explicit or vulgar, or otherwise injurious to us or third parties or that infringes on our or any third party’s rights of publicity or privacy;
- Information that contains any viruses, worms, Trojan horses, trap doors, back doors, easter eggs, time bombs, cancelbots or other code or computer programming routines that contain contaminating or destructive properties or that are intended to damage, detrimentally interfere with, surreptitiously intercept or expropriate any system, data or personal information;
- Information containing or constituting chain letters, mass mailings, political campaigning, or any form of “spam”;
- Information that is false, inaccurate or misleading;
- Commercial advertisements or solicitations without our written permission; or
- Federally trademarked and/or copyrighted information without our prior written permission.
- A physical or electronic signature of a person authorized to act on behalf of the owner (“Complaining Party”) of an exclusive right that is allegedly infringed;
- Identification of the copyrighted work claimed to have been infringed, or if multiple copyrighted works at a single online site are covered by a single Notification, a representative list of such works at that site;
- Identification of the material that is claimed to be infringing or to be the subject of infringing activity and that is to be removed or access to which is to be disabled, and information reasonably sufficient to permit us to locate the material;
- Information reasonably sufficient to permit us to contact the Complaining Party, such as an address, telephone number, and if available, an electronic mail address at which the Complaining Party may be contacted;
- A statement that the Complaining Party has a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law; and
- A statement that the information in the Notification is accurate, and under penalty of perjury, that the Complaining Party is authorized to act on behalf of the owner of an exclusive right that is allegedly infringed.
- We will remove or disable access to the material that is alleged to be infringing;
- We will forward the Notification to the alleged infringer (“Subscriber”); and
- We will take reasonable steps to promptly notify the Subscriber that we have removed or disabled access to the material.
- A physical or electronic signature of the Subscriber;
- Identification of the material that has been removed or to which access has been disabled and the location at which the material appeared before it was removed or access to it was disabled;
- A statement under penalty of perjury that the Subscriber has a good faith belief that the material was removed or disabled as a result of mistake or misidentification of the material to be removed or disabled; and
- The Subscriber’s name, address, and telephone number, and a statement that the Subscriber consents to the jurisdiction of Federal District Court for the judicial district in which the address is located, or if the Subscriber’s address is outside of the United States, for any judicial district in which we may be found, and that the Subscriber will accept service of process from the person who provided the Counter Notification or an agent of such person
- We will promptly provide the Complaining Party with a copy of the Counter Notification;
- We will inform the Complaining Party that we will replace the removed material or cease disabling access to the removed material within ten (10) business days; and
- We will replace the removed material or cease disabling access to the removed material not less than ten (10), nor more than fourteen (14) business days following receipt of the Counter Notification, provided our designated agent has not received notice from the Complaining Party that an action has been filed seeking a court order to restrain the Subscriber from engaging in infringing activity relating to the removed material on our network or system.
- You and we each agree to resolve exclusively through final and binding arbitration any and all disputes or claims that have arisen or may arise between you and us (including any affiliates, officers, directors, employees, and agents), whether or not such dispute or claim involves a third party, relating in any way to any aspect of our relationship or any contact between us, direct or indirect, or arising out of this or previous versions of this Agreement, your use of or access to our Services, or any products or services sold, offered, or purchased through our Services (“Dispute”).
- You and we agree to submit the Dispute to a single arbitrator under the then-current Commercial Arbitration Rules of the American Arbitration Association (AAA), including when applicable the Optional Rules for Emergency Measures of Protection and the Consumer Arbitration Rules, or, by separate mutual agreement, at another arbitration institution. The AAA’s rules, information regarding initiating a claim, and a description of the arbitration process are available at www.adr.org. The location of the arbitration and the allocation of fees and costs for such arbitration shall be determined in accordance with the AAA rules. As an alternative, you or we may bring a claim in your local “small claims” court, if permitted by that small claims court’s rules.
- The Federal Arbitration Act governs the interpretation and enforcement of this section regarding our agreement to arbitrate any Dispute (“Agreement to Arbitrate”), and the arbitrability of the Dispute. The arbitrator will decide whether the Dispute can be arbitrated.
- You and we agree that each of us may bring a Dispute against the other only on our own behalf, and not on behalf of a government official or other person or entity, or a class of persons or entities. You and we agree, if we are a party to the proceeding, not to participate in a class action, a class-wide arbitration, a claim brought in a private attorney general or representative capacity, or a consolidated claim involving another person’s use of the site or our services. You and we agree not to combine a claim that is subject to arbitration under this Agreement with a claim that is not eligible for arbitration under this Agreement. You and we agree to waive the right to a trial by jury for all disputes.
- You may opt out of this Agreement to Arbitrate. If you do so, neither you nor we can require the other to participate in an arbitration proceeding. To opt out, you must notify us in writing, within 30 days of the date that you first became subject to this Agreement to Arbitrate, either by email delivered to [email protected]. You must include: (1) your name and residence address; (2) the email address and/or mobile telephone number associated with your account; and (3) a clear statement that you want to opt out of this Agreement to Arbitrate.
- If the prohibition against class actions and other claims brought on behalf of third parties contained in Section 1.3, above, is found to be unenforceable, then all of Section 1 will be null and void as to that Dispute.
- This Agreement to Arbitrate will survive the termination of your relationship with us.
- Unless you and we agree otherwise, if you opt out of the Agreement to Arbitrate, if the Agreement to Arbitrate is found by a court to be unenforceable, if your claim is not covered by the Agreement to Arbitrate, or if you neither are a resident of nor have a principal place of business in the US or Canada, you agree that any Dispute that has arisen, or may arise, between you and us must be resolved exclusively by a state or federal court located in New Castle County, Delaware. You and we agree to submit to the personal jurisdiction of the courts located within New Castle County, Delaware for the purpose of litigating all such claims or disputes.
- Notwithstanding any provision in the Agreement to the contrary, you and we agree that if we make a change to this Agreement to Arbitrate (other than a change to the notice address or the site link provided herein) in the future, that change shall not apply to a claim that was filed in a legal proceeding between you and us prior to the effective date of the change. The change shall apply to all other disputes or claims governed by the Agreement to Arbitrate that have arisen, or may arise, between you and us. We will notify you of a change to this Agreement to Arbitrate by posting the amended terms on our Services at least 30 days before the effective date of the change and/or by email.