Effective Date: February 22, 2026
SuperPay is a recommendation-only platform. We analyze your credit and debit card reward structures to suggest the optimal card for each purchase. SuperPay does not process payments, hold funds, transfer money, issue credit, or operate as a bank, payment processor, or financial institution of any kind.
These Terms of Service ("Terms," "Agreement") constitute a legally binding agreement between you ("you," "your," "User") and SuperPay Ai, Inc., a Delaware corporation ("SuperPay," "we," "us," "our," the operator of the website located at superpayrewards.com, the SuperPay mobile application for iOS and Android, and the SuperPay browser extension for Chrome and Safari (collectively, the "Service" or "Platform")). Please read these Terms carefully before accessing or using the Service.
By creating a SuperPay account, downloading or installing our mobile application, installing our browser extension, accessing our website, or otherwise using any part of the Service, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy, which is incorporated herein by reference.
Your acceptance of these Terms may be demonstrated through any of the following: (a) clicking "I Agree," "Sign Up," "Create Account," or any similar button or checkbox presented during account registration; (b) installing, downloading, or using the SuperPay mobile application or browser extension; (c) accessing or continuing to use the Service after being notified of changes to these Terms; or (d) any other mechanism that constitutes electronic acceptance under applicable law, including the Electronic Signatures in Global and National Commerce Act (E-SIGN Act), 15 U.S.C. § 7001 et seq., and the Uniform Electronic Transactions Act (UETA).
If you are using the Service on behalf of an organization, you represent and warrant that you have the authority to bind that organization to these Terms, and "you" shall refer to both you individually and the organization.
If you do not agree to these Terms, you must immediately cease all use of the Service and delete your account.
SuperPay is a personal finance optimization platform designed to help Users maximize credit and debit card rewards by providing data-driven card recommendations at the point of purchase. The Service includes, but is not limited to, the following features:
Important: SuperPay is NOT a payment processor, bank, credit issuer, money transmitter, financial advisor, broker-dealer, or investment advisor. SuperPay does not process payments, transfer funds, hold deposits, issue credit, or provide financial, investment, tax, or legal advice. All card recommendations are informational in nature and are provided solely for your convenience. You bear sole responsibility for all financial decisions you make based on information provided by the Service.
To access and use the Service, you must meet all of the following eligibility requirements:
To access most features of the Service, you must register for an account. In connection with your account registration and ongoing use, you agree to the following:
SuperPay offers a freemium service model consisting of the following tiers:
Free Tier:
Pro Subscription:
Pro Subscription Pricing:
Billing and Payment Processing: All subscription payments are processed through RevenueCat and the applicable app store platform (Apple App Store or Google Play Store). SuperPay does not directly process, collect, or store your payment card information for subscription billing purposes. All billing is subject to the terms and policies of the applicable platform.
Auto-Renewal: Monthly and Annual subscriptions automatically renew at the end of each billing period unless you cancel your subscription at least twenty-four (24) hours before the end of the current billing period. Upon renewal, your payment method on file with the applicable app store will be charged at the then-current subscription rate.
Cancellation: You may cancel your subscription at any time through the subscription management settings in the Apple App Store or Google Play Store, as applicable. Cancellation will take effect at the end of the current billing period, and you will continue to have access to Pro features until that date. Cancellation does not entitle you to a refund for the current billing period.
Refund Policy: SuperPay does not provide refunds for partial billing periods, unused portions of a subscription, or downgrade from Pro to Free tier. Refund requests for subscriptions purchased through the Apple App Store or Google Play Store are subject to the respective platform's refund policies. Lifetime subscription purchases are non-refundable except as required by applicable law.
Price Changes: SuperPay reserves the right to modify subscription pricing at any time. Any price changes will take effect at the start of the next billing cycle following notice of the price change. If you do not agree to a price change, you may cancel your subscription before the new pricing takes effect.
Free Trial: SuperPay may, at its sole discretion, offer free trial periods for Pro features. Unless you cancel before the end of the trial period, your payment method will be charged the applicable subscription fee. Trial eligibility is determined by SuperPay and/or the applicable app store and is limited to one trial per User per platform.
You agree to use the Service solely for its intended purpose and in compliance with these Terms and all applicable laws. You are solely responsible for your conduct on the Platform.
You agree NOT to:
SuperPay reserves the right to investigate and take appropriate legal action against anyone who, in SuperPay's sole discretion, violates this Section, including but not limited to removing offending content, suspending or terminating the violator's account, and reporting such violations to law enforcement authorities.
In connection with your use of the Service, you may provide certain data including, but not limited to, card names, card types, issuing bank or institution, reward category structures, the last four digits of card numbers, transaction details, merchant names, and financial goals.
By providing such data, you represent and warrant that:
Data Security Practices:
Our collection, use, storage, and disclosure of your data is governed by our Privacy Policy.
The SuperPay browser extension for Google Chrome and Apple Safari ("Extension") is subject to the following additional terms:
SuperPay does NOT provide financial advice. All card recommendations, reward calculations, credit utilization insights, goal-based suggestions, and other outputs of the Service are for informational and educational purposes only and do not constitute financial, investment, tax, legal, or other professional advice.
You expressly acknowledge and agree that:
BY USING THE SERVICE, YOU EXPRESSLY WAIVE ANY AND ALL CLAIMS AGAINST SUPERPAY ARISING FROM OR RELATED TO YOUR RELIANCE ON THE SERVICE'S RECOMMENDATIONS, CALCULATIONS, OR OTHER OUTPUTS FOR FINANCIAL DECISION-MAKING.
SuperPay utilizes artificial intelligence and machine learning technologies, including OpenAI's GPT-4o-mini language model, to power certain features of the Service, including but not limited to merchant categorization and recommendation explanations ("AI Features").
You acknowledge and agree that:
The Service integrates with or relies upon certain third-party services. Your use of these third-party services may be subject to their own terms, conditions, and privacy policies, which are separate from and in addition to these Terms.
SuperPay does not endorse, warrant, or assume responsibility for any third-party service, product, or content. Any interactions, transactions, or disputes between you and a third-party provider are solely between you and that provider. SuperPay shall have no liability arising from or related to your use of any third-party service.
All rights, title, and interest in and to the Service — including but not limited to all software, source code, object code, algorithms, optimization engines, machine learning models, databases, user interfaces, designs, graphics, text, logos, trademarks, trade names, service marks, domain names, and all other intellectual property — are and shall remain the exclusive property of SuperPay and its licensors, and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property laws.
"SuperPay," the SuperPay logo, and all related names, logos, product and service names, designs, and slogans are trademarks of SuperPay Ai, Inc. or its affiliates. You may not use such marks without our prior written permission. All other names, logos, product and service names, designs, and slogans that appear on the Service are the trademarks of their respective owners.
Subject to your compliance with these Terms, SuperPay grants you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use the Service solely for your personal, non-commercial purposes. This license does not include any right to:
Any use of the Service not expressly permitted by these Terms is a breach of these Terms and may violate copyright, trademark, and other applicable laws.
The Service may allow you to submit, post, or transmit content, including but not limited to card information, transaction data, financial goals, feedback, suggestions, ideas, enhancement requests, bug reports, or other communications ("User Content").
You retain ownership of any User Content that constitutes your personal data. However, by submitting feedback, suggestions, ideas, or other non-personal content to SuperPay, you hereby grant SuperPay a worldwide, perpetual, irrevocable, royalty-free, fully paid-up, non-exclusive, transferable, sublicensable license to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, display, and otherwise exploit such content in any form, medium, or technology now known or later developed, without any obligation of compensation, attribution, or notification to you.
You represent and warrant that: (a) you own or control all rights to the User Content you submit; (b) the User Content is accurate and not misleading; and (c) the User Content does not violate these Terms or any applicable law or regulation, and will not cause injury to any person or entity.
SuperPay is under no obligation to use, review, display, or respond to any User Content, and may remove or refuse any User Content at its sole discretion.
SuperPay will use commercially reasonable efforts to maintain the availability of the Service. However, you acknowledge and agree that:
Termination by You: You may terminate your account at any time by using the account deletion feature in the Settings section of the mobile application or by contacting us at support@superpayrewards.com. Upon account deletion:
Suspension or Termination by SuperPay: SuperPay reserves the right, at its sole discretion and without prior notice or liability, to suspend, restrict, or terminate your account and access to the Service, in whole or in part, for any reason, including but not limited to:
Upon termination of your account for any reason, your right to use the Service immediately ceases. Sections of these Terms that by their nature should survive termination shall survive, including but not limited to Sections 9, 10, 12, 13, 16, 17, 18, 19, 20, and 21 through 28.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL SUPERPAY, ITS PARENT COMPANIES, SUBSIDIARIES, AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, PARTNERS, LICENSORS, OR SUPPLIERS (COLLECTIVELY, THE "SUPERPAY PARTIES") BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO:
THESE LIMITATIONS APPLY REGARDLESS OF THE THEORY OF LIABILITY (WHETHER IN CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE), EVEN IF THE SUPERPAY PARTIES HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, AND EVEN IF A REMEDY SET FORTH HEREIN IS FOUND TO HAVE FAILED OF ITS ESSENTIAL PURPOSE.
AGGREGATE LIABILITY CAP: IN NO EVENT SHALL THE SUPERPAY PARTIES' TOTAL CUMULATIVE LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE EXCEED THE GREATER OF: (A) THE TOTAL AMOUNT YOU HAVE ACTUALLY PAID TO SUPERPAY IN THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM; OR (B) ONE HUNDRED U.S. DOLLARS (US $100.00).
SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES. IN SUCH JURISDICTIONS, SOME OR ALL OF THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU, AND YOU MAY HAVE ADDITIONAL RIGHTS. NOTHING IN THESE TERMS SHALL EXCLUDE OR LIMIT LIABILITY THAT CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.
THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, THE SUPERPAY PARTIES EXPRESSLY DISCLAIM ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO:
YOU EXPRESSLY ACKNOWLEDGE THAT YOUR USE OF THE SERVICE IS AT YOUR SOLE RISK. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED FROM SUPERPAY OR THROUGH THE SERVICE SHALL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THESE TERMS.
You agree to indemnify, defend, and hold harmless the SuperPay Parties from and against any and all claims, demands, actions, suits, proceedings, losses, damages, liabilities, judgments, settlements, costs, and expenses (including reasonable attorneys' fees and court costs) arising out of or relating to:
SuperPay reserves the right, at your expense, to assume the exclusive defense and control of any matter for which you are required to indemnify us, and you agree to cooperate with our defense of such claims. You shall not settle any such claim without SuperPay's prior written consent.
PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO FILE A LAWSUIT IN COURT AND TO HAVE A JURY TRIAL.
Informal Resolution: Before initiating any formal dispute resolution proceeding, you agree to first contact SuperPay at legal@superpayrewards.com and attempt to resolve the dispute informally for a period of at least sixty (60) days. In the event that we cannot resolve a dispute informally, the dispute shall be resolved exclusively through binding arbitration as set forth below.
Binding Arbitration: Any dispute, controversy, or claim arising out of or relating to these Terms, the Service, or the breach, termination, enforcement, interpretation, or validity thereof, including the determination of the scope or applicability of this agreement to arbitrate, shall be determined by binding arbitration administered by the American Arbitration Association ("AAA") in accordance with its Consumer Arbitration Rules then in effect, as modified by this Section. The arbitration shall be conducted by a single arbitrator with expertise in technology or consumer internet disputes.
Arbitration Procedures: The arbitration shall be conducted in the English language. The arbitrator's decision shall be final and binding, and judgment on the award rendered by the arbitrator may be entered in any court of competent jurisdiction. The arbitrator shall have the authority to award any relief that would be available in a court of law.
Arbitration Fees: Payment of all filing, administration, and arbitrator fees will be governed by the AAA's Consumer Arbitration Rules. If your claim does not exceed $10,000, SuperPay will pay all arbitration fees. If your claim exceeds $10,000, the parties will share arbitration fees equally, unless the arbitrator determines that such sharing would be cost-prohibitive for you, in which case SuperPay will pay a greater share as determined by the arbitrator.
CLASS ACTION WAIVER: YOU AND SUPERPAY AGREE THAT EACH PARTY MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, CONSOLIDATED, PRIVATE ATTORNEY GENERAL, OR REPRESENTATIVE ACTION OR PROCEEDING. UNLESS BOTH YOU AND SUPERPAY AGREE OTHERWISE IN WRITING, THE ARBITRATOR MAY NOT CONSOLIDATE MORE THAN ONE PERSON'S CLAIMS AND MAY NOT OTHERWISE PRESIDE OVER ANY FORM OF A CLASS, COLLECTIVE, OR REPRESENTATIVE PROCEEDING.
Small Claims Exception: Notwithstanding the foregoing, either party may bring an individual action in small claims court for disputes or claims within the scope of such court's jurisdiction, provided the action remains in small claims court and is not removed or appealed to a court of general jurisdiction.
Injunctive Relief: Nothing in this Section shall prevent either party from seeking injunctive or other equitable relief from a court of competent jurisdiction to prevent the actual or threatened infringement, misappropriation, or violation of a party's copyrights, trademarks, trade secrets, patents, or other intellectual property rights.
30-Day Opt-Out Right: You have the right to opt out of this arbitration provision by sending written notice of your decision to opt out to legal@superpayrewards.com within thirty (30) days of first accepting these Terms. Your notice must include your name, mailing address, email address associated with your SuperPay account, and a clear statement that you wish to opt out of arbitration. If you opt out, the Governing Law and jurisdiction provisions in Section 20 shall apply to any disputes.
Survival: This arbitration agreement shall survive the termination of your account and these Terms.
These Terms and any dispute or claim arising out of or in connection with them, their subject matter, or their formation (including non-contractual disputes or claims) shall be governed by and construed in accordance with the laws of the State of Delaware, United States of America, without regard to its conflict of law principles.
To the extent that any lawsuit or court proceeding is permitted under these Terms (including if you opt out of arbitration pursuant to Section 19), you and SuperPay agree to submit to the exclusive personal jurisdiction of the state and federal courts located in Wilmington, Delaware, for the purpose of litigating any such dispute. You waive any objection to the exercise of jurisdiction over you by such courts and to venue in such courts.
If any provision of these Terms is found by a court or arbitrator of competent jurisdiction to be invalid, illegal, or unenforceable for any reason, such provision shall be modified to the minimum extent necessary to make it valid, legal, and enforceable while preserving the original intent of the parties. If such modification is not possible, the provision shall be severed from these Terms. The invalidity, illegality, or unenforceability of any provision shall not affect the validity, legality, or enforceability of the remaining provisions of these Terms, which shall continue in full force and effect.
These Terms, together with the Privacy Policy and any other legal notices, policies, or guidelines published by SuperPay on the Service, constitute the entire agreement between you and SuperPay regarding your use of the Service. These Terms supersede all prior and contemporaneous agreements, proposals, representations, warranties, and understandings, whether written or oral, between you and SuperPay regarding the subject matter hereof. No amendment to or modification of these Terms shall be binding unless made in writing and signed by SuperPay or published by SuperPay as an update to these Terms.
SuperPay shall not be liable for any failure or delay in the performance of its obligations under these Terms to the extent such failure or delay results from circumstances beyond SuperPay's reasonable control, including but not limited to: acts of God, natural disasters, epidemics, pandemics, war, terrorism, riots, civil unrest, embargoes, government orders or actions, labor disputes or shortages, power outages, internet or telecommunications failures, cyberattacks, failures of third-party service providers, or any other events of force majeure. In the event of a force majeure event, SuperPay's obligations shall be suspended for the duration of the event, and SuperPay shall use commercially reasonable efforts to resume performance as soon as practicable.
You may not assign, transfer, or delegate your rights or obligations under these Terms, in whole or in part, whether voluntarily, by operation of law, or otherwise, without the prior written consent of SuperPay. Any attempted assignment in violation of this Section shall be null and void. SuperPay may assign, transfer, or delegate its rights and obligations under these Terms, in whole or in part, at any time without notice to you, including in connection with a merger, acquisition, corporate reorganization, or sale of all or substantially all of its assets.
The failure of SuperPay to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision. Any waiver of any provision of these Terms shall be effective only if made in writing and signed by SuperPay. No waiver of any term or condition of these Terms shall be deemed a further or continuing waiver of such term or condition or a waiver of any other term or condition, and any failure of SuperPay to assert a right or provision under these Terms shall not constitute a waiver of such right or provision.
SuperPay may provide notices to you through any of the following means: (a) a banner or notification within the Service; (b) an email sent to the email address associated with your account; (c) a push notification to your mobile device; or (d) posting on our website at superpayrewards.com. Such notices shall be deemed received: (i) if by email, twenty-four (24) hours after the email is sent, unless the sending party is notified that the email address is invalid; (ii) if by posting within the Service or on the website, upon posting; (iii) if by push notification, upon transmission.
You may provide notices to SuperPay by sending an email to legal@superpayrewards.com. Notices to SuperPay shall be deemed received upon actual receipt by SuperPay's legal team.
SuperPay reserves the right to modify, amend, or update these Terms at any time. For material changes to these Terms, SuperPay will provide you with at least thirty (30) days' prior notice before the changes take effect. Notice of material changes will be provided through one or more of the following: (a) a prominent notice within the Service; (b) an email to the address associated with your account; or (c) an update to the "Effective Date" at the top of these Terms with a summary of changes posted on our website.
Non-material changes, such as typographical corrections, formatting updates, or minor clarifications, may take effect immediately upon posting. Your continued use of the Service following the effective date of any modification constitutes your acceptance of the modified Terms. If you do not agree to any modification, your sole and exclusive remedy is to discontinue use of the Service and delete your account.
We encourage you to review these Terms periodically for any changes. The most current version of the Terms will always be available at superpayrewards.com/terms.
If you have any questions, concerns, or feedback regarding these Terms or the Service, please contact us using the information below: