Terms of Service

Effective June 5, 2026

Please read these Terms of Service ("Terms") carefully before using FetchBack at https://fetchback.ai ("Service"). By using the Service, you agree to be bound by these Terms.

1. The Service

FetchBack is an AI-powered shopping recommendation tool that:

• Searches multiple retailers for products matching your query
• Compares prices and identifies potential savings
• Recommends credit cards based on your reward structures
• Provides links to third-party retailer websites where you can complete purchases

FetchBack is a recommendation and comparison tool. We are not a retailer, marketplace, financial institution, or financial advisor. We do not sell products, process payments, or guarantee the accuracy of prices, availability, or product descriptions. All purchasing and financial decisions are made solely by the user.

2. Eligibility

You must be:

• At least 18 years old (or the age of majority in your jurisdiction)
• A resident of the United States
• Capable of entering into a binding contract

By using FetchBack, you represent that you meet these requirements.

3. Your Account

When you create an account:

• You are responsible for maintaining the security of your credentials
• You are responsible for all activity under your account
• You must provide accurate information
• You may not share accounts or create accounts on behalf of others without authorization

We reserve the right to suspend or terminate accounts that violate these Terms.

4. The Credit Card Wallet

The FetchBack card wallet stores the name and last 4 digits of your credit cards alongside reward rate data from third-party sources (RewardsCC).

Important limitations:

• We do not store full card numbers, CVV codes, or expiration dates
• We do not have access to your actual credit card accounts
• Reward rates shown are pulled from third-party data providers and may not reflect your current card terms
• We are not affiliated with any card issuer
• Card optimization is a suggestion — always verify reward rates with your card issuer before making purchase decisions based on them

5. AI Recommendations

FetchBack uses AI to generate product recommendations, shopping summaries, and card optimization suggestions.

You acknowledge that:

• AI recommendations may contain errors, omissions, or outdated information
• AI-generated content is not professional financial, legal, or purchasing advice
• You make all final purchasing decisions independently
• FetchBack is not responsible for purchases made based on AI recommendations
• Product prices and availability change in real time and may differ from what is displayed

6. Affiliate Relationships and Compensation

FetchBack participates in affiliate programs. When you click product links and make purchases, we may earn a commission.

We disclose that:

• We participate in the Amazon Associates Program and may earn from qualifying purchases
• We may participate in affiliate programs with other retailers
• Affiliate relationships do not influence our ranking algorithms or recommendations
• Commissions are paid by retailers, not by you — you pay the same price whether you use FetchBack or not

This disclosure satisfies FTC requirements under 16 CFR Part 255.

7. Third-Party Websites and Products

FetchBack provides links to third-party retailer websites (Amazon, Best Buy, Walmart, etc.). When you click these links:

• You leave FetchBack and are subject to the third party's terms and privacy policy
• FetchBack has no control over third-party content, prices, availability, or fulfillment
• FetchBack is not responsible for any transaction, dispute, or issue arising from a third-party purchase
• Product descriptions, images, and prices on third-party sites may differ from what FetchBack displays

Your purchase is entirely between you and the retailer. Any disputes, returns, warranties, or customer service issues are between you and the retailer.

8. Prohibited Uses

You may not use FetchBack to:

• Violate any applicable law or regulation
• Scrape, crawl, or systematically extract data from the Service
• Reverse engineer, decompile, or attempt to extract source code
• Use automated tools to submit searches or interact with the Service
• Impersonate another person or entity
• Interfere with the security or performance of the Service
• Use the Service for commercial purposes without written permission
• Attempt to manipulate product rankings or affiliate tracking

9. Intellectual Property

The FetchBack name, logo, product design, and underlying software are owned by Steven Hansen and protected by intellectual property laws. You may not use our brand, copy our interface, or reproduce our content without written permission.

User-submitted content (searches, feedback) remains yours but you grant us a license to use it to operate and improve the Service.

10. Disclaimers

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED.

WE SPECIFICALLY DISCLAIM:

• Warranties of merchantability, fitness for a particular purpose, and non-infringement
• Any guarantee that prices displayed are current, accurate, or the lowest available
• Any guarantee that products are available, authentic, or as described
• Any guarantee that AI recommendations are accurate or optimal
• Any guarantee of uninterrupted or error-free service

PRICE INFORMATION IS PROVIDED FOR INFORMATIONAL PURPOSES ONLY. ALWAYS VERIFY PRICES DIRECTLY WITH THE RETAILER BEFORE PURCHASE.

11. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, FETCHBACK AND STEVEN HANSEN SHALL NOT BE LIABLE FOR:

• Indirect, incidental, special, or consequential damages
• Lost profits, data, or business opportunities
• Damages arising from purchases made through third-party retailers
• Damages arising from reliance on AI recommendations
• Damages arising from inaccurate price or reward rate information
• Damages exceeding the amount you paid us in the 12 months preceding the claim (or $100 if you have not paid us anything)

SOME JURISDICTIONS DO NOT ALLOW LIMITATION OF LIABILITY — IN THOSE JURISDICTIONS, LIABILITY IS LIMITED TO THE MAXIMUM EXTENT PERMITTED BY LAW.

12. Indemnification

You agree to indemnify and hold harmless FetchBack, Steven Hansen, and any affiliates from any claims, damages, or expenses (including reasonable attorney fees) arising from your use of the Service, your violation of these Terms, or your violation of any third party's rights.

13. Termination

We may suspend or terminate your account at any time for violation of these Terms. You may delete your account at any time from Settings → Danger Zone.

Upon termination:

• Your right to use the Service ends immediately
• We will delete your data per our Privacy Policy
• Provisions that by their nature should survive termination (disclaimers, limitation of liability, indemnification) will survive

14. Governing Law and Disputes

These Terms are governed by the laws of the State of Texas, without regard to conflict of law principles.

Informal resolution first: Before filing any legal claim, you agree to contact us at legal@fetchback.ai and give us 30 days to resolve the issue informally.

Arbitration: If informal resolution fails, disputes will be resolved by binding individual arbitration under the AAA Consumer Arbitration Rules, not in court. You waive the right to participate in class action lawsuits.

Small claims exception: Either party may bring individual claims in small claims court.

15. Changes to Terms

We may update these Terms at any time. We will notify you of material changes by email and by posting notice on the Service. Continued use after the effective date of changes constitutes acceptance.

16. Contact

Legal inquiries: legal@fetchback.ai