1. Acceptance of Terms

By accessing and using Ri8Lane (“the Service”), you agree to be bound by these Terms & Conditions. If you do not agree to these terms, please do not use the Service. Ri8Lane reserves the right to update these terms at any time, and your continued use constitutes acceptance of any changes.

2. Description of Service

Ri8Lane is a credit card rewards optimization platform that:

Helps users identify the best credit card to use at specific stores based on reward rates.
Displays coupons, deals, and cashback offers from affiliate partners.
Provides a virtual wallet to track your credit cards and their reward categories.
Offers billing cycle insights to help optimize payment timing.

3. Not Financial Advice

Ri8Lane is an informational tool only. Our recommendations are NOT financial advice.

Reward rates, offers, and terms are sourced from publicly available information and may not always be up to date.
Credit card terms, conditions, and reward structures are determined by the issuing banks and may change without notice.
Always verify current reward rates, fees, and eligibility directly with your card issuer before making financial decisions.
Ri8Lane does not guarantee the accuracy, completeness, or timeliness of any information displayed.
We are not responsible for any financial losses resulting from reliance on our recommendations.

4. User Accounts

You may use Ri8Lane as a guest or create an account via Google OAuth.
You are responsible for maintaining the security of your account.
You agree to provide accurate information and not impersonate others.
We reserve the right to suspend or terminate accounts that violate these terms.
Guest data is stored locally in your browser and is your responsibility to manage.

5. Affiliate Links & Revenue

Ri8Lane participates in affiliate programs to sustain the service:

Links to stores and credit card applications may contain affiliate tracking codes.
We earn commissions when you make purchases or apply for cards through these links.
Affiliate relationships do NOT influence our card recommendations — recommendations are based solely on reward rates and your wallet composition.
Prices and deals shown are as provided by our affiliate partners and may change.
You are under no obligation to use affiliate links.

6. Intellectual Property

All content on Ri8Lane — including design, code, text, graphics, logos, and the recommendation algorithm — is the intellectual property of Ri8Lane and is protected by applicable copyright and trademark laws. You may not reproduce, distribute, or create derivative works from our content without prior written consent.

7. Prohibited Uses

You agree not to:

Use automated bots, scrapers, or tools to extract data from Ri8Lane.
Attempt to reverse-engineer or decompile any part of the Service.
Abuse the admin panel or API endpoints.
Use the Service for any unlawful purpose or in violation of any applicable laws.
Interfere with or disrupt the Service or servers.
Upload malicious code or attempt to gain unauthorized access.

8. Third-Party Services

Ri8Lane integrates with third-party services (Google, Supabase, affiliate networks, store websites). We are not responsible for the availability, accuracy, or practices of these third-party services. Your interactions with third-party websites accessed through Ri8Lane are governed by those websites’ own terms and privacy policies.

9. Limitation of Liability

Ri8Lane is provided “as is” without warranties of any kind, either express or implied. To the fullest extent permitted by law, Ri8Lane shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Service, including but not limited to loss of profits, data, or other intangible losses.

10. Indemnification

You agree to indemnify and hold harmless Ri8Lane, its team, and its affiliates from any claims, losses, damages, liabilities, and expenses (including legal fees) arising from your use of the Service or violation of these terms.

11. Governing Law

These terms shall be governed by and construed in accordance with the laws of India. Any disputes arising from these terms or the Service shall be subject to the exclusive jurisdiction of the courts in India.

12. Termination

We may terminate or suspend your access to the Service at any time, without prior notice, for conduct that we believe violates these Terms or is harmful to other users, us, or third parties. Upon termination, your right to use the Service will immediately cease.

13. Contact Us

For questions about these terms, please contact us at admin@ri8lane.com.