Last updated: May 13, 2026
These Terms of Service (“Terms”) govern your access to and use of Valinor’s website, application, browser extension, and related services, collectively referred to as the “Service.” The Service is operated by Valinor (“Valinor,” “we,” “us,” or “our”).
By accessing or using the Service, you agree to these Terms. If you do not agree, do not use the Service.
Valinor is an AI-powered assistant designed to provide informational guidance that helps users decide which credit card, debit card, or payment method may be useful in different contexts, including checkout, purchase planning, and rewards optimization.
The Service may include features such as:
Valinor may add, modify, suspend, or remove features at any time.
You must be at least 18 years old to use Valinor. By using the Service, you represent that you are 18 or older and have the legal capacity to enter into these Terms.
Some features may require an account. You agree to:
We may suspend or terminate accounts that violate these Terms or create legal, security, operational, or reputational risk.
Valinor provides informational content only. Valinor is not a financial advisor, investment advisor, broker, lender, credit counselor, tax advisor, or legal advisor.
Nothing in the Service constitutes financial, investment, legal, tax, credit, or professional advice. You are solely responsible for your financial decisions and should independently verify any recommendation before acting on it.
Valinor does not issue credit cards, debit cards, banking products, loans, insurance products, or other financial products. Valinor does not make credit decisions, determine eligibility, approve applications, or control third-party offers.
If the Service references third-party cards, products, issuers, rewards, or benefits, all approval decisions, pricing, terms, availability, eligibility, and credit inquiries are controlled solely by the relevant third-party provider.
The Service uses automated systems and artificial intelligence to generate recommendations, rankings, explanations, and other outputs.
You understand and agree that:
Valinor does not guarantee the accuracy, completeness, usefulness, or reliability of any output.
You are responsible for:
Valinor is a guidance tool, not a substitute for independent judgment or professional advice.
Valinor may offer a free version of the Service. If Valinor introduces paid features, subscriptions, or premium plans in the future, additional terms may apply and will be presented before you subscribe or pay.
Your use of the Service is also governed by Valinor’s Privacy Policy. Please review it to understand how we collect, use, and protect information.
By using the Service or contacting Valinor, you consent to receive communications electronically, including via email, in-product notices, or website updates. You agree that electronic communications satisfy any legal requirement that communications be in writing.
You agree not to:
We may investigate suspected violations and take appropriate action, including restricting, suspending, or terminating access.
The Service, including software, designs, logos, text, graphics, features, models, workflows, and other content, is owned by Valinor or its licensors and is protected by intellectual property laws.
Subject to these Terms, Valinor grants you a limited, non-exclusive, non-transferable, revocable license to use the Service for personal, lawful, non-commercial purposes, unless otherwise permitted in writing.
You may not copy, reproduce, distribute, sell, sublicense, modify, create derivative works from, or commercially exploit the Service without our prior written permission.
You may submit inputs, preferences, feedback, or other content to the Service (“User Content”). You retain ownership of your User Content.
By submitting User Content, you grant Valinor a limited license to use, process, store, display, and transmit that content as needed to provide, secure, maintain, and improve the Service.
You represent that you have the rights necessary to submit User Content and that your User Content does not violate applicable law or third-party rights.
If you provide feedback, ideas, suggestions, or feature requests, you agree that Valinor may use them without restriction or compensation to you.
The Service may reference or link to third-party websites, merchants, financial institutions, card issuers, products, or services. Valinor does not control and is not responsible for third-party content, terms, privacy policies, practices, availability, rewards, pricing, or eligibility requirements.
Your interactions with third parties are solely between you and the third party.
Valinor may modify, suspend, discontinue, or restrict access to all or part of the Service at any time. We do not guarantee that the Service will be uninterrupted, error-free, secure, or available at all times.
You may stop using Valinor at any time.
We may suspend or terminate your access to the Service at any time, with or without notice, if:
Sections that by their nature should survive termination will continue to apply, including intellectual property, disclaimers, limitation of liability, indemnification, governing law, and dispute-related provisions.
The Service is provided “as is” and “as available.” To the fullest extent permitted by law, Valinor disclaims all warranties, express or implied, including warranties of accuracy, reliability, merchantability, fitness for a particular purpose, non-infringement, and availability.
Valinor does not guarantee that the Service will meet your expectations, produce financial benefits, identify the best card in every situation, or be free from errors, interruptions, or security issues.
To the fullest extent permitted by law, Valinor and its affiliates, officers, employees, agents, partners, and licensors will not be liable for indirect, incidental, consequential, special, exemplary, or punitive damages, including lost profits, lost savings, lost rewards, lost data, business interruption, or financial losses arising from or related to your use of the Service.
To the fullest extent permitted by law, Valinor’s total liability for any claim arising out of or relating to the Service or these Terms will not exceed the greater of: (a) the amount you paid to Valinor in the three months before the claim arose, or (b) $100.
Some jurisdictions do not allow certain limitations of liability, so some limitations may not apply to you.
You agree to indemnify and hold harmless Valinor and its affiliates, officers, employees, agents, partners, and licensors from and against any claims, liabilities, damages, losses, costs, and expenses, including reasonable attorneys’ fees, arising from or related to:
These Terms are governed by the laws of the United States and, to the extent applicable, the laws of the state in which Valinor is headquartered, without regard to conflict of law principles.
Before bringing a formal legal claim, you agree to first contact Valinor and attempt to resolve the dispute informally. If a dispute cannot be resolved informally, it will be handled in the courts or forum permitted under applicable law, unless future terms provide a different dispute process.
We may update these Terms from time to time. If we make material changes, we will update the “Last updated” date and may provide additional notice where appropriate.
By continuing to use the Service after changes become effective, you agree to the updated Terms.
If you have questions about these Terms, contact us at: info@valinorexpress.com