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⚠️ DRAFT — These Terms of Service are in active legal review and may be updated before public launch. By using Prfct in its current beta you agree to these terms as drafted. The final attorney-reviewed version will be posted at this URL when complete.
Legal

Prfct Terms of Service

Effective Date: June 1, 2026

Last Updated: June 1, 2026

Welcome to Prfct. These Terms of Service ("Terms") are a binding legal agreement between you ("you," "your," or "User") and S2 Capital Inc, a corporation operating the Prfct browser extension and related services ("Prfct," "we," "us," or "our"). Please read these Terms carefully before installing, accessing, or using Prfct.

1. Acceptance of Terms

By installing the Prfct Chrome extension, creating a Prfct account, or otherwise accessing or using any part of the Prfct service (collectively, the "Service"), you acknowledge that you have read, understood, and agree to be bound by these Terms and by our Privacy Policy, which is incorporated into these Terms by reference.

If you do not agree to these Terms, do not install the extension, do not create an account, and do not use the Service. Continued use of the Service after any update to these Terms constitutes acceptance of the updated Terms.

These Terms apply to every interaction you have with the Service, including the browser extension, our website at theprfct.app, our backend API, and any related communications, support channels, or future products that reference these Terms.

2. Eligibility

To use Prfct, you represent and warrant that you:

  • Are at least eighteen (18) years old;
  • Are a resident of the United States;
  • Have the legal capacity to enter into a binding contract under the laws of your state of residence;
  • Are not barred from receiving services under the laws of the United States or any other applicable jurisdiction;
  • Will provide accurate, current, and complete information when creating your account; and
  • Will use the Service only for personal, non-commercial purposes consistent with these Terms.

Prfct is currently designed and supported for U.S.-based users. If you access the Service from outside the United States, you do so at your own initiative and are responsible for compliance with all local laws. We may, at our sole discretion, refuse, restrict, or terminate access to the Service for any person or in any jurisdiction at any time.

3. Account Registration and Email Verification

To use Prfct you must create an account by providing a valid email address. After you submit your email, we will send you a one-time six-digit verification code ("OTP") via our transactional email provider, Resend.

The OTP is valid for ten (10) minutes from the time it is issued. You may make up to five (5) verification attempts per code. To prevent abuse, there is a sixty (60) second cooldown between OTP resend requests. If you exceed these limits, you may be required to wait before retrying or to contact support.

You are responsible for:

  • Maintaining the confidentiality of the email account associated with your Prfct account;
  • All activity that occurs under your account, whether or not you authorized it;
  • Promptly notifying us at support@theprfct.app if you suspect any unauthorized use of your account or any other security incident.

We may suspend or terminate accounts that we reasonably believe are fraudulent, abusive, or otherwise in violation of these Terms.

4. Description of Service

Prfct is a browser extension that helps you decide which credit card from your own wallet is most likely to maximize the rewards, cash back, or other benefits available to you at online checkout. After you connect your bank accounts through Plaid (see Section 5), Prfct uses metadata about the cards you already hold and information about the merchant or category at checkout to surface a recommendation in your browser.

What Prfct is: an informational and educational tool that helps you compare the cards you already have.

What Prfct is not:

  • Prfct is not a bank, lender, credit card issuer, broker-dealer, registered investment adviser, financial planner, tax adviser, credit repair organization, or law firm.
  • Prfct does not provide financial, investment, tax, accounting, credit, or legal advice. Recommendations are general informational suggestions based on publicly available card benefit data and limited transaction metadata.
  • Prfct does not apply for cards on your behalf, does not complete transactions on your behalf, does not move money, and does not store your card numbers, CVVs, banking passwords, full account numbers, or Social Security numbers.
  • Prfct does not guarantee that any recommendation will result in the best possible outcome for you. Card rewards programs, merchant categorization, and issuer policies change frequently and outside our control.

You are solely responsible for any decision you make based on a Prfct recommendation, including any decision to apply for, use, or stop using any payment method.

5. Plaid and Third-Party Services

To recommend cards from your existing wallet, Prfct uses Plaid Inc. ("Plaid") to securely connect to your financial institutions. When you elect to link an account, you are routed directly to Plaid Link, where you authenticate with your bank and authorize Plaid to share specified data with Prfct. Prfct is a Plaid customer; your authentication credentials for your bank are entered into Plaid's interface and are not seen, transmitted to, or stored by Prfct.

Your use of Plaid is governed by Plaid's own terms and by Plaid's end-user privacy policy, available at: https://plaid.com/legal/#end-user-privacy-policy. By connecting an account through Plaid, you agree to Plaid's terms and acknowledge that Plaid will process certain personal and financial information about you in accordance with its own policies.

Prfct receives from Plaid only the categories of data necessary to provide the Service, which include card and account metadata and transaction metadata. Prfct stores Plaid access tokens encrypted at rest using AES-256-GCM and uses those tokens only to refresh the data needed to generate recommendations.

The Service may also rely on other third-party services, including (without limitation) hosting through Render, transactional email through Resend, error monitoring through Sentry (once activated), and the Chrome Web Store distribution channel. A current list of our sub-processors is maintained in our Privacy Policy. We are not responsible for the acts or omissions of any third party, and your use of any third-party service is subject to that party's own terms and policies.

6. User Conduct

You agree that you will not, and will not attempt to:

  • Access, tamper with, or use non-public areas of the Service, our servers, or the technical delivery systems of our providers;
  • Probe, scan, or test the vulnerability of the Service or any related system or network, or breach any security or authentication measures;
  • Reverse engineer, decompile, disassemble, or otherwise attempt to derive the source code, underlying ideas, or algorithms of the Service, except to the limited extent applicable law expressly permits despite this limitation;
  • Scrape, harvest, or otherwise collect data from the Service using automated means (including bots, crawlers, or data-mining tools) without our prior written permission;
  • Use the Service in any way that violates any applicable federal, state, local, or international law or regulation;
  • Use the Service to engage in fraud, money laundering, or any activity prohibited by your bank, your card issuer, or applicable law;
  • Impersonate another person, misrepresent your affiliation with any person or entity, or sign up for accounts you are not authorized to control;
  • Submit knowingly false information, including connecting accounts you do not lawfully own or control;
  • Resell, sublicense, or commercially exploit the Service or any data obtained through the Service;
  • Interfere with or disrupt the integrity or performance of the Service or attempt to gain unauthorized access to it;
  • Use the Service to harass, abuse, or harm another person;
  • Encourage or enable any other party to do any of the foregoing.

Violation of this Section 6 may result in immediate suspension or termination of your account, and we reserve all available legal remedies.

7. Card Recommendations Are Not Advice

This Section 7 is a key part of these Terms. Read it carefully.

Prfct's recommendations are educational and informational only. They are generated based on publicly available card benefit information, the cards you have connected through Plaid, and contextual signals about the merchant or transaction category at checkout. Recommendations:

  • Are not personalized financial, investment, credit, tax, or legal advice;
  • Are not a recommendation to apply for, open, close, or use any particular financial product;
  • Do not account for your full financial situation, credit profile, goals, household, or risk tolerance;
  • May be incorrect, incomplete, or out of date because card rewards programs, bonus categories, merchant codes, and issuer policies change without notice;
  • Are made on a best-effort basis with no guarantee of accuracy, completeness, or fitness for any particular purpose.

You are solely responsible for evaluating whether to follow a recommendation, including any decision to apply for a new card, use an existing card, or change your payment behavior. Before applying for any credit card, you should read the issuer's terms, the Schumer Box, and any applicable fee schedules, and consider consulting a qualified financial professional.

Nothing in the Service creates a fiduciary, advisory, broker, or similar relationship between you and Prfct.

8. Affiliate Disclosure

Prfct is free for users. To support the Service, we may earn a referral fee, bounty, or other commission from a card issuer or a third-party marketing partner if you click an application link presented by Prfct and subsequently apply for and are approved for a new credit card. These arrangements may apply to some cards and not others, and the rates we receive may vary by issuer.

We make the following commitments to you, consistent with the Federal Trade Commission's guidance on endorsements and affiliate disclosures:

  • Recommendations are not paid placements. Our recommendation engine evaluates the cards you already hold and the context of the transaction. The existence or amount of an affiliate relationship with an issuer does not determine which card we recommend at checkout.
  • Disclosure is provided where required. Where Prfct presents a link to apply for a new card, we will identify the link as an advertising or affiliate link in a manner reasonably designed to be clear and conspicuous.
  • No effect on your price. Affiliate commissions are paid by the issuer or marketing partner. You do not pay more (and do not receive less) because Prfct receives a commission.
  • You can ignore any recommendation. You are always free to choose a different card, apply through a different channel, or not apply at all.

9. Intellectual Property

The Service, including the extension code, backend services, websites, user interface, designs, logos, brand names, recommendation algorithms, documentation, and all related materials, is owned by S2 Capital Inc or its licensors and is protected by United States and international copyright, trademark, trade secret, and other intellectual property laws.

Subject to your compliance with these Terms, Prfct grants you a limited, personal, non-exclusive, non-transferable, non-sublicensable, revocable license to install and use the extension solely for your personal, non-commercial use of the Service. All rights not expressly granted are reserved.

You may not copy, modify, distribute, sell, lease, or create derivative works of any part of the Service, except as expressly permitted by these Terms or by applicable law. "Prfct," "theprfct.app," and any associated logos are trademarks of S2 Capital Inc; you may not use them without our prior written permission.

If you choose to send us feedback, suggestions, or ideas about the Service, you grant Prfct a perpetual, irrevocable, worldwide, royalty-free, sublicensable license to use that feedback for any purpose, without compensation or attribution to you.

10. Privacy

Our Privacy Policy describes how we collect, use, store, and share information about you, including the limited categories of data we receive from Plaid. The Privacy Policy is a separate document and is incorporated into these Terms by reference. By using the Service you also agree to the Privacy Policy.

For clarity, and as a non-exhaustive summary of what is described more fully in the Privacy Policy:

  • Prfct collects your email address, encrypted Plaid access tokens, Plaid item, account, and transaction metadata, a limited set of extension usage diagnostics and error reports, and support correspondence. The complete list of categories and sources is in the Privacy Policy.
  • Prfct does not store full card numbers (PAN), card verification values (CVV), bank passwords or other login credentials, full account or routing numbers, Social Security numbers or other government-issued ID numbers, biometric identifiers, or precise geolocation.
  • Sensitive data at rest is encrypted using AES-256-GCM.
  • California residents: see the additional disclosures in the "Specific Disclosures for California Residents" section of the Privacy Policy.

11. Data Deletion Rights

You can request deletion of your Prfct account and the personal information we hold about you at any time. To make a request, email us at support@theprfct.app from the email address associated with your account, or use the in-product "Delete my account" flow in Settings.

Upon receipt of a verifiable deletion request, we will:

  • Disable your account;
  • Revoke and delete your encrypted Plaid access tokens from our systems;
  • Delete or de-identify personal information we maintain about you, except where we are legally required or permitted to retain it (for example, to comply with tax, accounting, audit, fraud-prevention, or other legal obligations); and
  • Use commercially reasonable efforts to complete deletion within thirty (30) days of confirming your request.

You may also disconnect a financial institution at any time through Plaid. Disconnecting through Plaid stops further data refresh but, on its own, does not delete the data already received by Prfct; to delete that data, submit a deletion request as described above.

This Section 11 is intended to satisfy applicable U.S. state consumer-privacy laws that grant deletion rights and to satisfy the user-rights commitments that Plaid requires of its customers.

12. Beta / "As Is" Disclaimer

The Service is currently in beta. Features may change, break, or be removed without notice. Recommendations may be incomplete or incorrect. Availability and performance may vary.

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE," WITH ALL FAULTS, AND WITHOUT WARRANTY OF ANY KIND. PRFCT EXPRESSLY DISCLAIMS ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, AND ANY WARRANTIES ARISING OUT OF COURSE OF DEALING OR USAGE OF TRADE.

WITHOUT LIMITING THE FOREGOING, PRFCT MAKES NO WARRANTY THAT (A) THE SERVICE WILL MEET YOUR REQUIREMENTS; (B) THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE; (C) ANY RECOMMENDATION OR INFORMATION OBTAINED FROM THE SERVICE WILL BE ACCURATE, COMPLETE, OR RELIABLE; OR (D) ANY ERRORS IN THE SERVICE WILL BE CORRECTED.

YOU USE THE SERVICE AT YOUR OWN RISK. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES, SO SOME OF THE ABOVE EXCLUSIONS MAY NOT APPLY TO YOU.

13. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW:

(a) IN NO EVENT WILL PRFCT, S2 CAPITAL INC, OR THEIR RESPECTIVE DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, OR LICENSORS BE LIABLE TO YOU FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING DAMAGES FOR LOST PROFITS, LOST REVENUES, LOST DATA, LOSS OF GOODWILL, BUSINESS INTERRUPTION, OR THE COST OF SUBSTITUTE SERVICES, ARISING OUT OF OR RELATED TO THESE TERMS OR THE SERVICE, WHETHER BASED ON CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR ANY OTHER LEGAL THEORY, EVEN IF PRFCT HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

(b) IN NO EVENT WILL PRFCT'S TOTAL CUMULATIVE LIABILITY ARISING OUT OF OR RELATED TO THESE TERMS OR THE SERVICE EXCEED ONE HUNDRED U.S. DOLLARS (US$100.00).

(c) Without limiting the foregoing, Prfct is not responsible for, and you expressly release Prfct from any liability for: (i) any decision you make to apply for, open, close, or use any credit card or other financial product; (ii) any fees, interest charges, denied applications, declined transactions, lost rewards, or other consequences of your use of any payment method; (iii) any acts or omissions of Plaid, your bank, your card issuer, any merchant, or any other third party; or (iv) any tax consequences arising from your use of the Service.

(d) The limitations in this Section 13 form an essential basis of the bargain between you and Prfct. They will apply even if a limited remedy fails of its essential purpose. Some jurisdictions do not allow the exclusion or limitation of certain damages, so some of the above may not apply to you; in those jurisdictions, Prfct's liability will be limited to the maximum extent permitted by law.

14. Indemnification

You agree to defend, indemnify, and hold harmless S2 Capital Inc, its affiliates, and their respective directors, officers, employees, contractors, and agents (the "Indemnified Parties") from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or related to:

  • Your access to or use of the Service;
  • Your violation of these Terms;
  • Your violation of any applicable law or regulation;
  • Your violation of any third-party right, including any intellectual property, privacy, or publicity right;
  • Any decision or action you take based on a Prfct recommendation; or
  • Any content or information you submit to the Service.

Prfct reserves the right, at its own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which case you agree to cooperate with Prfct's defense. You will not settle any matter without Prfct's prior written consent.

15. Modifications to Terms

We may update these Terms from time to time. When we do, we will revise the "Last Updated" date at the top of this document.

If a change is material — for example, a change to the dispute-resolution section, a change to the limitation of liability, or a change that meaningfully reduces your rights — we will provide reasonable advance notice (typically by email to the address associated with your account, by an in-product notice, or by a notice on theprfct.app) before the change takes effect.

Your continued use of the Service after the effective date of any update constitutes your acceptance of the updated Terms. If you do not agree to an updated Term, your sole remedy is to stop using the Service and request deletion of your account under Section 11.

Changes to the Privacy Policy are handled by the parallel notice mechanic described in the "Changes to This Policy" section of the Privacy Policy.

16. Termination

Your right to terminate. You may stop using the Service at any time. You may also delete your account by submitting a deletion request as described in Section 11.

Our right to terminate. We may suspend or terminate your access to all or part of the Service at any time, with or without notice, for any reason, including if we reasonably believe you have violated these Terms, if we discontinue the Service or a feature, or if continued provision of the Service becomes commercially or legally impractical.

Effect of termination. Upon termination:

  • Your right to access the Service ends immediately;
  • We will delete or de-identify your personal information in accordance with Section 11 and our Privacy Policy, subject to legally permitted retention;
  • Sections that by their nature should survive termination will survive, including Sections 7 (No Advice), 9 (Intellectual Property), 12 (Disclaimer), 13 (Limitation of Liability), 14 (Indemnification), 17 (Governing Law), 18 (Dispute Resolution), and any other provision intended to survive.

17. Governing Law and Jurisdiction

These Terms, and any dispute arising out of or related to these Terms or the Service, are governed by the laws of the State of New York, without regard to its conflict-of-laws principles. The United Nations Convention on Contracts for the International Sale of Goods does not apply.

Subject to Section 18 (Dispute Resolution / Arbitration), you and Prfct agree that the state and federal courts located in Kings County, New York will have exclusive jurisdiction over any dispute, claim, or controversy not subject to arbitration, and you consent to personal jurisdiction and venue in those courts.

18. Dispute Resolution; Binding Arbitration; Class Action Waiver

PLEASE READ THIS SECTION CAREFULLY. IT REQUIRES YOU TO ARBITRATE DISPUTES WITH PRFCT INDIVIDUALLY AND LIMITS THE WAYS YOU CAN SEEK RELIEF.

(a) Informal resolution. Before filing a claim, you agree to try to resolve the dispute informally by sending a written notice of the dispute to support@theprfct.app describing the nature and basis of the claim and the relief sought. You and Prfct agree to attempt in good faith to resolve the dispute through informal negotiations for at least sixty (60) days after the notice is received.

(b) Binding arbitration. If the dispute is not resolved informally, you and Prfct agree that any dispute, claim, or controversy arising out of or relating to these Terms or the Service (a "Dispute") will be resolved by binding individual arbitration, except that either party may bring an individual claim in small-claims court if it qualifies.

(c) Arbitration provider and rules. The arbitration will be administered by a recognized arbitration provider (for example, the American Arbitration Association or JAMS) under that provider's then-current consumer arbitration rules. The arbitration will be conducted in English, by a single arbitrator, and (unless otherwise agreed) by telephone, videoconference, or written submissions, with any in-person hearing held in a reasonable location with respect to your residence.

(d) Class action waiver. You and Prfct agree that each may bring claims against the other only on an individual basis and not as a plaintiff or class member in any purported class, collective, consolidated, or representative proceeding. The arbitrator may not consolidate more than one person's claims and may not preside over any form of representative or class proceeding. If this class-action waiver is found unenforceable as to a particular claim or remedy, then that claim or remedy (and only that claim or remedy) will be severed and resolved in court, with the remainder of this Section 18 remaining in effect.

(e) Carve-outs. Nothing in this Section 18 prevents either party from (i) bringing an individual claim in small-claims court, (ii) seeking injunctive relief in a court of competent jurisdiction to protect intellectual property or confidential information, or (iii) bringing any claim that, by law, may not be subject to mandatory pre-dispute arbitration.

(f) Opt-out right. You may opt out of this arbitration agreement by sending written notice of your decision to opt out to support@theprfct.app within thirty (30) days of first accepting these Terms. The notice must include your name, the email address associated with your account, and a clear statement that you wish to opt out of arbitration. Opting out will not affect any other provision of these Terms.

(g) Federal Arbitration Act. This arbitration agreement is governed by the Federal Arbitration Act.

19. Contact

If you have questions about these Terms or the Service, you can reach us at:

Email: support@theprfct.app

Mailing Address: S2 Capital Inc 5 Union Square West, FRNT 1, #1038 New York, NY 10003

20. Miscellaneous

Entire agreement. These Terms, together with the Privacy Policy and any other policies or notices we post or provide to you, constitute the entire agreement between you and Prfct regarding the Service and supersede any prior agreements on the same subject matter.

Severability. If any provision of these Terms is held invalid or unenforceable, that provision will be modified to the minimum extent necessary to make it enforceable, and the remaining provisions will remain in full force and effect.

No waiver. Our failure to enforce any provision of these Terms is not a waiver of that provision or of our right to enforce it later.

Assignment. You may not assign or transfer these Terms or any rights under them without our prior written consent. We may assign these Terms in connection with a merger, acquisition, reorganization, sale of assets, or by operation of law, and to any affiliate.

Force majeure. We will not be liable for any failure or delay in performance caused by events beyond our reasonable control, including acts of God, natural disasters, war, terrorism, civil unrest, government action, labor disputes, internet or telecommunications failures, or service outages of upstream providers (including Plaid, Render, Resend, Sentry, or the Chrome Web Store). The list of upstream providers tracks the sub-processor list in our Privacy Policy as updated from time to time.

Headings. Section headings are for convenience only and do not affect the interpretation of these Terms.

Notices to you. We may give notices to you by email to the address associated with your account, by posting on theprfct.app, or by in-product notice. You consent to receive electronic communications from Prfct and agree that electronic communications satisfy any legal requirement that communication be in writing.

Questions? Email support@theprfct.app.