Terms of Service

These terms govern your use of Worth My Fee (the "Service"), operated by Echo Charlie Labs, Inc., a Florida corporation ("we," "us"). By signing in or using the Service you agree to them and to our Privacy Policy. The short version: we read your transactions to estimate whether your premium cards earn their fees; the estimates are ours, the decisions are yours; a paid audit year is a yearly subscription that renews automatically at the price you subscribed at, with a reminder email before each renewal and cancellation at any time; and if a paid audit doesn't find what we promised, you get your money back.

1. What the Service does

You connect bank and card accounts through Plaid. We score each card's advertised credits, status grants, lounge access and points earning against roughly twelve months of your transactions, net the result against the card's annual fee, and present a keep / borderline / downgrade / cancel estimate per card, with the reasoning shown. Where history is short the report says so and marks its numbers provisional.

2. Not financial advice

The Service produces estimates from transaction evidence and published program terms as of the dates cited in our benefit database. Issuer and loyalty-program terms change without notice, transaction categorization is imperfect, and your future year will differ from your past one. Nothing in the Service is financial, legal or tax advice, and we are not a financial adviser, broker or card issuer. Decisions about opening, downgrading, keeping or closing a card — and any retention offer, credit-score effect or lost benefit that follows — are yours alone. We are not affiliated with, endorsed by, or paid by any card issuer, bank or loyalty program.

3. Accounts and connections

You must be at least 18 and connect only accounts you are authorized to access. You authenticate with your bank through Plaid; we never receive your bank credentials. You can disconnect any bank, or delete your account and everything we hold, at any time from Settings. Deleting your account cancels any active subscription immediately; the remaining paid period is not refunded unless you email us within the guarantee window. We may disconnect accounts as described in the Privacy Policy (for example, free-tier and lapsed connections after a notice shown in the app).

4. Free tier, founding cohort, and the audit year

• Free tier. The topline for your whole portfolio and your lowest-scoring card in full, at no charge. Plaid bills us monthly for every connected bank, so free connections are removed 30 days after linking; you can re-link any time.
• Founding cohort. The first 500 users who link a bank get 90 days of full access free. After that they may subscribe at the founding price shown in the app ($29 per year at launch), which stays theirs for as long as the subscription remains active.
• Audit year. A yearly subscription (the price shown at checkout, $49 per year at launch) unlocks the full report for every card, unlimited re-runs and fee-date tracking. It renews automatically each year at the price you subscribed at; we send a reminder email before each renewal, and you can cancel at any time from Manage billing in the app — cancellation takes effect at the end of the paid period and nothing further is charged. A price change never applies to an active subscription without notice before the next renewal.
• Payment. Payments are processed by Stripe. We store no card numbers. Taxes, if any, are shown at checkout.

5. Guarantee and refunds

If a paid audit does not find at least three times its price in annual fees you can stop paying (cards it recommends cancelling or downgrading) or credits you can start capturing (credits your spending already qualifies for that were landing on other cards; credits that require booking through an issuer portal are shown separately and do not count), email hello@worthmyfee.com within 30 days of the first charge and we will refund it in full. No forms, no argument. A refund ends the subscription and the access it paid for. Disputes filed with your card issuer instead of with us also end the audit year. The founding cohort's free 90 days carry no charge and therefore no refund.

6. Acceptable use

Don't connect accounts that aren't yours, probe or overload the Service, scrape it, resell its output, or use it to make decisions for other people without telling them it is an estimate. We may suspend access that violates these terms or that we reasonably believe is abusive, and we will tell you why.

7. Our data and your data

The benefit database, scoring engine, and the Service's design are ours. Your transactions, your declared loyalty details and your report are yours; we use them only as the Privacy Policy describes, and we publish only anonymized, aggregated statistics that never identify a person or an account.

8. Availability and changes

The Service depends on Plaid and on your institutions, which are sometimes unavailable; we don't guarantee uninterrupted access. We may change or discontinue features. If we discontinue the paid audit during a period you paid for, we refund the unused portion.

9. Limitation of liability

To the fullest extent permitted by law, the Service is provided "as is," and our total liability for any claim arising from it is limited to the amount you paid us in the twelve months before the claim (or $49 if you paid nothing). We are not liable for indirect, incidental or consequential losses, including lost card benefits, status, points, or retention offers, or for decisions you make based on an estimate. Some jurisdictions do not allow these limits; where they don't, they apply to the extent they do.

10. Governing law and disputes

These terms are governed by the laws of the State of Florida, without regard to its conflict-of-law rules. Before filing any claim, write to us at hello@worthmyfee.com; most problems are refund-shaped and we'd rather fix them than argue.

11. Changes to these terms

If we make material changes we will show a notice in the app and update the effective date above. Continued use after the effective date is acceptance; if you don't agree, delete your account, and if you are inside a paid period we will refund the unused portion on request.

12. Contact

Echo Charlie Labs, Inc. · hello@worthmyfee.com · privacy questions: privacy@worthmyfee.com.