Last updated: February 28, 2026
By accessing or using CardTimer (“the Service”) at cardtimer.app, you agree to be bound by these Terms of Service (“Terms”). These Terms form a legal agreement between you and Grizzly Fin Agency (Neil Mendes, owner, “we,” “us,” or “our”).
If you do not agree to these Terms, do not use CardTimer.
CardTimer is a web-based software-as-a-service (SaaS) application that helps users track credit card statement close dates, payment due dates, and annual fees. Features include:
CardTimer is an organizational tool only. We do not connect to your bank, card issuer, or any financial institution. We are not a financial advisor, and nothing in the Service constitutes financial advice.
To use CardTimer, you must:
You are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account. Notify us immediately at neil@grizzlyfin.com if you suspect unauthorized access.
You may not share your account with others or create accounts on behalf of third parties without their consent.
The Free tier is available at no cost and includes:
The Pro tier is available for $7/month or $60/year and includes:
You may upgrade from Free to Pro at any time. If you downgrade from Pro to Free and have more than 3 cards, you will retain your existing cards but cannot add new ones until you are below the 3-card limit. Downgrades take effect at the end of your current billing period.
All payments are processed by Stripe. By subscribing to Pro, you authorize Stripe to charge your payment method on a recurring basis (monthly or annually, as selected). CardTimer does not store your payment card details.
Your Pro subscription will automatically renew at the end of each billing period unless you cancel before the renewal date.
You may cancel your Pro subscription at any time from Settings → Billing → Cancel Subscription. Cancellation takes effect at the end of the current billing period; you retain Pro access until then.
We offer a 30-day money-back guarantee for new Pro subscriptions. If you are not satisfied within the first 30 days of your initial Pro subscription, contact us at neil@grizzlyfin.com for a full refund. Refunds are not available after 30 days or for renewal charges.
You agree to use CardTimer only for lawful purposes and in a manner consistent with these Terms.
You may not:
We reserve the right to suspend or terminate accounts that violate these Terms.
CardTimer, including its software, design, branding, and content, is owned by Grizzly Fin Agency and protected by applicable intellectual property laws. You may not copy, modify, distribute, or reverse-engineer any part of the Service.
You own the data you enter into CardTimer (card nicknames, dates, etc.). By using the Service, you grant us a limited license to store and process that data solely to provide the Service to you. We will never sell your data or use it for advertising purposes.
CardTimer is provided “as is” and “as available” without warranties of any kind, express or implied.
We do not warrant that:
⚠️ Important
CardTimer is an organizational tool to help you keep track of dates — it is not a substitute for your own financial diligence. You are solely responsible for making your credit card payments on time. Missing a payment due to a missed reminder, a technical error, or any failure of the Service is your responsibility. We are not liable for late fees, interest charges, credit score impacts, or any other financial consequences.
To the maximum extent permitted by applicable law, Grizzly Fin Agency and its owner, officers, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to:
Our total liability to you for any claim arising from your use of CardTimer shall not exceed the amount you paid us in the 12 months preceding the claim, or $50 USD, whichever is greater.
Some jurisdictions do not allow the exclusion of certain warranties or limitations of liability, so some of the above may not apply to you.
You may delete your account at any time from Settings → Account → Delete Account. Upon deletion, your data will be removed as described in our Privacy Policy.
We reserve the right to suspend or terminate your account, with or without notice, if you violate these Terms, we reasonably believe your account is being used fraudulently, or we discontinue the Service. If we discontinue the Service entirely, we will provide at least 30 days’ notice by email.
Upon termination, your right to use the Service ceases immediately. Sections 7, 8, 9, 11, and 12 survive termination.
These Terms are governed by the laws of the State of Illinois, United States of America, without regard to its conflict of law principles.
Any disputes arising from these Terms or your use of CardTimer shall be resolved in the state or federal courts located in Cook County, Illinois. You consent to the personal jurisdiction of those courts.
If you are an EU/EEA consumer, you may also have the right to use alternative dispute resolution mechanisms available in your jurisdiction.
We may update these Terms from time to time. When we do, we will update the “Last updated” date at the top. For material changes, we will notify you by email at least 14 days before the changes take effect.
Your continued use of CardTimer after updated Terms take effect constitutes your acceptance of the new Terms. If you do not agree to the updated Terms, you must stop using the Service and delete your account.
Questions about these Terms? Contact us at:
Neil Mendes — Grizzly Fin Agency
Email: neil@grizzlyfin.com
Website: cardtimer.app