Terms of Service

1. Acceptance of Terms

By accessing or using Thrift Digest's AI-powered savings guidance service ("Service"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, you may not access or use the Service. These Terms apply to all users of the Service.

2. Description of Service

Thrift Digest provides an AI-powered savings guidance platform that helps individuals save more money through personalized, unbiased advice. The Service includes:

• AI-powered savings education and guidance
• Personalized answers to savings and budgeting questions
• Discount program discovery and cashback strategy guidance
• Optional SMS notifications (account notifications and customer care)
• Phone number verification flow

3. Account Registration and Security

3.1 Account Creation

To use the Service, you must provide accurate, complete, and current information. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

3.2 Account Security

You agree to immediately notify us of any unauthorized use of your account or any other breach of security.

3.3 Account Eligibility

You must be at least 18 years old and have the legal capacity to enter into contracts to use the Service.

4. Acceptable Use Policy

You agree not to use the Service to:

• Violate any applicable laws, regulations, or third-party rights
• Send spam, unsolicited messages, or engage in fraudulent activities
• Transmit malware, viruses, or other harmful code
• Interfere with or disrupt the Service or servers
• Attempt to gain unauthorized access to any part of the Service
• Impersonate any person or entity or misrepresent your affiliation
• Collect or harvest personal information without consent
• Use the Service for any illegal or unauthorized purpose

5. SMS Messaging Terms

5.1 SMS Opt-In

Thrift Digest offers two optional SMS messaging programs: transactional account notifications and customer care messages. Opting in to either program is entirely voluntary and is not required to use the Service or submit our form. By checking the applicable opt-in checkbox on our signup form, you provide explicit consent to receive SMS messages from that program.

5.2 Opt-Out

You may opt out of any SMS program at any time by replying STOP to any message from that program. Your opt-out request will be honored promptly. For help, reply HELP or contact support@thriftdigest.com.

5.3 Message Rates and Frequency

Message and data rates may apply. Message frequency varies based on your account activity and the program you have opted into. Carriers are not liable for delayed or undelivered messages. No mobile information will be shared with or sold to third parties for marketing or promotional purposes.

6. Service Availability and Support

6.1 Support

We provide email support at support@thriftdigest.com. Response times may vary based on the nature of your inquiry.

7. Intellectual Property Rights

The Service and all content, features, and functionality are owned by Thrift Digest and are protected by copyright, trademark, and other intellectual property laws. You may not copy, modify, distribute, or create derivative works based on the Service without our express written permission.

8. Data and Privacy

Your use of the Service is also governed by our Privacy Policy. By using the Service, you consent to our collection and use of information as described in the Privacy Policy. We do not sell your personal information.

9. Disclaimers and Limitations of Liability

9.1 Not Financial Advice

The information provided by our AI agent is for educational purposes only and does not constitute financial, investment, or legal advice. Always consult a licensed professional before making significant financial decisions.

9.2 Service "As Is"

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.

10. Indemnification

You agree to indemnify, defend, and hold harmless Thrift Digest and its officers, directors, employees, and agents from any claims, liabilities, damages, losses, and expenses (including reasonable attorney fees) arising from your use of the Service or violation of these Terms.

11. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify you of material changes by posting the updated Terms on our website and updating the "Last Updated" date. Your continued use of the Service after changes become effective constitutes acceptance of the modified Terms.

12. Contact Information

If you have any questions about these Terms, please contact us: