# Acru Terms of Service

**Effective date:** July 12, 2026
**Last updated:** July 13, 2026

These Terms of Service, or Terms, are a binding agreement between you and
**Acru Technologies, Inc.**, or Acru, we, us, governing your use of the website at
**acru.tech** and related services, or the Service. By creating an account or
using the Service, you agree to these Terms and to our
[Privacy Policy](privacy-policy.md). If you do not agree, do not use the Service.

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## 1. Introduction and acceptance
These Terms explain your rights and responsibilities when using Acru. If you use
the Service on behalf of a company or other entity, you represent that you have
authority to bind that entity to these Terms.

## 2. Eligibility
You must be at least **18 years old** and able to form a binding contract to use
the Service. By using the Service you represent that you meet these requirements
and will comply with all applicable laws. The Service is not intended for children
under 18.

## 3. Definitions
Service means acru.tech, our applications, and related tools. Your Content means
information and content you submit. Pro means the paid subscription tier.

## 4. The Service
Acru provides travel rewards tools, including AI assisted credit card
recommendations, a travel concierge agent, award flight search called Trip
Optimizer, and points and transfer alerts. The Service is for **informational
purposes only**, see Section 12.

**Acru is not a travel agency and is not a seller of travel.** We do not book,
sell, arrange, or fulfill flights, hotels, or other travel products. We do not
process payments for travel and we do not act as your agent with any airline,
hotel, loyalty program, or card issuer. Any booking you make happens directly
between you and that provider, on their site and under their terms. Acru is never
a party to that transaction. The only payments Acru processes are Acru Pro
subscription fees through Stripe, see Section 6.

## 5. Accounts and security
You are responsible for the information you provide, for maintaining
confidentiality of your account, and for all activity under it. We use two factor
authentication. Keep your credentials and devices secure. Notify us promptly at
support@acru.tech of any unauthorized use.

Do not provide passwords, security codes, or other authentication credentials for
any airline, hotel, bank, or loyalty program. Acru does not request or need them,
and you should not submit them. You are solely responsible for complying with the
terms of any airline, hotel, or loyalty program when you use information from
those programs with the Service.

## 6. Subscriptions, billing, auto renewal, and cancellation
**A. Plans and pricing.** Acru offers a free tier and Acru Pro at $16 per month or
$156 per year, which averages $13 per month billed annually. Prices exclude
applicable taxes unless stated. We may offer free trials or promotional pricing
with separate terms presented at checkout.

**B. Clear disclosure and consent.** By subscribing you authorize recurring
charges. At checkout we will disclose the amount to be charged, billing frequency,
when the first charge occurs, and trial to paid conversion terms if applicable.
Your subscription begins when you confirm.

**C. Billing processor.** Paid plans are billed through Stripe at the start of
each billing period. You authorize us to charge your payment method on file.

**D. Auto renewal.** Subscriptions renew automatically at the end of each period
at the then current price unless you cancel before renewal. For annual plans, we
will send a reminder notice before renewal, including the renewal amount and
renewal date, as required by California law and other applicable laws.

**E. How to cancel, click to cancel.** You may cancel anytime through your account
settings under Manage Subscription, or by emailing support@acru.tech. The
cancellation mechanism is designed to be as easy as sign up. Cancellation stops
future charges and your Pro access continues until the end of the current paid
period.

**F. Price changes.** If we change the price for Pro, we will give prospective
notice at least 30 days before the change takes effect, and you will have the
opportunity to cancel before the new price applies.

**G. Payment failure.** If we are unable to charge your payment method, we may
retry and notify you by email. If payment remains unsuccessful after a reasonable
retry period, we may downgrade your account to the free tier until valid payment
is provided.

**H. Refunds.** Monthly fees are nonrefundable for the current billing period.
Annual plans may be refunded within 14 days of the initial charge if the Service
has not been substantially used. Contact support@acru.tech. Some jurisdictions
provide additional rights and nothing in this section limits those rights.

**I. Free tier and limits.** Features and limits of the free tier may change. We
may enforce reasonable usage limits, including daily AI usage caps, to protect the
Service.

**J. Billing inquiries.** If you believe a charge is incorrect, contact us at
support@acru.tech before contacting your card issuer. We will promptly investigate
genuine errors. Filing a dispute with your card issuer does not waive these Terms,
but we will not restrict your right to seek a chargeback through your card
network. Repeated abusive disputes may lead to account review.

## 7. Communications, alerts, and consent
If you opt in to points alerts, transfer alerts, marketing emails, or push
notifications, you consent to receive them from Acru. You may opt out of marketing
emails via the unsubscribe link and opt out of push notifications in your device
settings. Transactional messages about your account, security, or subscription are
not marketing and cannot be opted out of while you maintain an account. If we
offer SMS alerts in the future, we will present separate express consent and
disclose that message and data rates may apply.

## 8. Referrals
We may offer a referral program subject to additional program rules. Rewards are
subject to those rules, may change or end at any time, and may be revoked for
abuse, fraud, or self referral. Self referrals, referrals between accounts
controlled by the same person or household, rewards obtained through duplicate
accounts, manipulation, or exploitation of a software defect do not qualify and
may be clawed back. Referral rewards have no cash value, may not be sold or
transferred, may not be redeemed for cash, and may be taxable. You are responsible
for any tax obligations, and we may report rewards as required by law.

## 9. Acceptable use
You agree not to: (1) use the Service for unlawful purposes or in violation of
these Terms; (2) scrape, crawl, resell, or redistribute the Service or its
outputs, or use it to build a competing product; (3) abuse, overload, or attempt
to circumvent rate limits, usage caps, or security controls, or access the Service
other than through our provided interfaces; (4) attempt to extract, reverse
engineer, or misuse our prompts, models, or systems; (5) submit unlawful,
infringing, or unauthorized personal or sensitive data, including passwords or
authentication credentials as described in Section 5; (6) use automated means to
access the Service except as expressly permitted by us in writing; or
(7) misrepresent affiliation with any airline, hotel, bank, or card issuer. We may
suspend or terminate accounts that violate these Terms.

## 10. Your content and feedback
**A. Your Content.** You retain ownership of Your Content. You grant us a
worldwide, nonexclusive, royalty free license to host, store, process, reproduce,
and use Your Content solely to operate, secure, and improve the Service, including
transmitting relevant inputs to our AI and infrastructure providers as described
in the Privacy Policy.

**B. Feedback.** If you provide feedback, suggestions, or ideas, you grant us a
perpetual, irrevocable, worldwide, royalty free license to use them without
restriction or attribution. This does not waive any rights you retain in Your
Content.

**C. No training on private content without opt in.** We do not use your private,
nonpublic Your Content to train foundation models that are shared with third
parties unless you give us opt in consent. We may use deidentified or aggregated
data to improve the Service.

## 11. Intellectual property and DMCA
**A. Ownership.** The Service, including software, design, and content excluding
Your Content, is owned by Acru and protected by law. We grant you a limited,
revocable, nontransferable license to use the Service for your personal,
noncommercial use. Airline, hotel, bank, card issuer, and loyalty program names
and trademarks belong to their owners. Acru is not affiliated with, endorsed by,
or sponsored by any of them.

**B. Copyright complaints.** If you believe content on the Service infringes your
copyright, send notice to Acru Technologies, Inc., Attn: DMCA Agent, 3997 W 1180 N,
Lehi, UT 84048, USA, Email: support@acru.tech. Your notice must include description of the copyrighted work,
description of the allegedly infringing material and its location, your contact
information, a statement of good faith belief, a statement under penalty of
perjury that the information is accurate and you are authorized to act, and your
physical or electronic signature. We may remove allegedly infringing content and
terminate accounts of repeat infringers where appropriate. Our designated agent is
registered with the United States Copyright Office.

## 12. Informational only, AI disclosure, no professional advice
**This is important.** Acru provides general information and tools, not financial,
tax, legal, or travel booking advice, and nothing in the Service is a
recommendation to obtain any specific financial product.

Acru is not a credit reporting agency, does not pull your credit, and does not
track every card offer available to you. Recommendations are based on information
you provide and public offers we track, which may be incomplete.

Award availability, award and cash prices, transfer ratios, transfer bonuses,
points valuations, and credit card terms change constantly and are not guaranteed.
Information shown, including Trip Optimizer results, may be inaccurate, delayed,
or unavailable by the time you act. **Always verify directly with the airline,
hotel, loyalty program, or card issuer before making any decision or booking.**

Acru does not book travel, issue points, or guarantee approval for any credit
card. Applying for credit is your decision and may affect your credit score or
credit report. You are solely responsible for your financial choices and for
reading each provider's terms.

AI generated output may be incorrect or incomplete. Artificial intelligence can
hallucinate, misread a price, or misinterpret program rules. You are solely
responsible for evaluating anything the Service tells you before acting on it.

## 13. Third party services
The Service relies on and links to third party services, including Stripe for
payments, authentication providers, AI model providers, and third party award
search and travel sites. We are not responsible for third party services, their
content, availability, or terms. Your use of third party services is at your own
risk and subject to their terms.

## 14. Service modifications, beta features, and availability
We may modify, suspend, or discontinue any part of the Service, including
features, free tier limits, or AI usage caps, at any time. We will provide
reasonable notice for material adverse changes to paid users where required by
law. We may offer beta or experimental features that are provided as is and may
contain errors. We do not guarantee uptime and do not offer a service level
agreement unless separately agreed in writing.

## 15. Disclaimer of warranties
THE SERVICE IS PROVIDED AS IS AND AS AVAILABLE, WITHOUT WARRANTIES OF ANY KIND,
EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE,
ACCURACY, AND NONINFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE
UNINTERRUPTED, ERROR FREE, OR THAT ANY INFORMATION WILL BE ACCURATE, TIMELY, OR
COMPLETE, TO THE FULLEST EXTENT PERMITTED BY LAW.

## 16. Limitation of liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, ACRU AND ITS OFFICERS, EMPLOYEES, AND
SUPPLIERS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL,
OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, POINTS, MILES, OR TRAVEL OPPORTUNITIES,
ARISING FROM OR RELATED TO THE SERVICE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH
DAMAGES.

EXCEPT FOR LIABILITY THAT CANNOT BE LIMITED BY LAW, OUR TOTAL LIABILITY FOR ANY
CLAIM ARISING FROM OR RELATED TO THE SERVICE WILL NOT EXCEED THE GREATER OF $100
OR THE AMOUNTS YOU PAID US IN THE 12 MONTHS BEFORE THE EVENT GIVING RISE TO THE
CLAIM. The foregoing limitations do not apply to liability resulting from our
gross negligence, willful misconduct, or to the extent prohibited by applicable
law. Some states do not allow certain limitations, so some of these limitations
may not apply to you.

## 17. Indemnification
You agree to indemnify and hold Acru harmless from claims, losses, and expenses,
including reasonable legal fees, arising from your use of the Service, Your
Content, or your violation of these Terms or applicable law, except to the extent
caused by our own negligence or misconduct.

## 18. Termination
You may stop using the Service at any time and delete your account in Settings
under Account Security, or by contacting support@acru.tech. We may suspend or
terminate your access for any violation of
these Terms or to protect the Service. Upon termination, your right to use the
Service ends. Sections that by their nature should survive, including Sections 8
through 22, will survive termination. Upon account deletion we will handle your
data as described in our Privacy Policy, subject to legal retention obligations.

## 19. Governing law and dispute resolution
**A. Governing law.** These Terms are governed by the laws of the State of
Delaware, without regard to conflict of laws rules.

**B. Informal resolution.** Before filing a formal dispute, you agree to first
contact us at support@acru.tech and attempt to resolve the dispute informally for
30 days. You and Acru will work in good faith to resolve the dispute.

**C. Arbitration agreement.** If informal resolution fails, any dispute, claim, or
controversy arising out of or relating to these Terms or the Service will be
resolved by binding arbitration administered by the American Arbitration
Association under its Consumer Arbitration Rules, unless you opt out as described
below. Arbitration will be conducted in Wilmington, Delaware, or via video
conference, unless otherwise agreed. The arbitrator will have exclusive authority
to resolve all disputes, except that either party may seek injunctive relief in
court to protect intellectual property rights. For claims under $10,000 that are
not frivolous, we will pay or reimburse AAA filing fees upon request.

**D. Small claims and opt out.** Either party may bring an individual claim in
small claims court. You may opt out of arbitration within 30 days of account
creation by emailing support@acru.tech with subject line Arbitration Opt Out and
your account email. If you opt out, or if arbitration is found unenforceable,
disputes will be resolved exclusively in the state or federal courts located in
Delaware, and each party consents to their jurisdiction and venue.

**E. Class waiver.** To the fullest extent permitted by law, you and Acru each
agree that any dispute will be brought only in an individual capacity, and not as
a plaintiff or class member in any purported class, collective, or representative
proceeding. The arbitrator may not consolidate claims or preside over any form of
representative proceeding.

**F. Jury waiver.** To the fullest extent permitted by law, you and Acru waive any
right to jury trial.

## 20. General provisions
**A. Assignment.** You may not assign or transfer these Terms without our prior
written consent. We may assign these Terms in connection with a merger,
acquisition, reorganization, or sale of assets.

**B. Severability.** If any provision of these Terms is held invalid or
unenforceable, that provision will be enforced to the maximum extent permissible
and the remaining provisions will remain in full force and effect.

**C. Waiver.** No waiver of any provision will be effective unless in writing and
signed by the waiving party. Failure to enforce any provision is not a waiver.

**D. Entire agreement.** These Terms, together with the Privacy Policy and any
supplemental terms for specific features, constitute the entire agreement between
you and Acru regarding the Service and supersede all prior agreements.

**E. Force majeure.** We will not be liable for delays or failures due to events
beyond our reasonable control, including acts of God, internet outages, power
failures, labor disputes, or actions of third party providers.

**F. Notices.** We may provide notices via email, in product notifications, or by
posting to the Service. Legal notices to Acru must be sent to support@acru.tech
and to our mailing address in Section 22.

**G. Export and sanctions.** You represent that you are not located in a
sanctioned country and are not a sanctioned person, and you will not use the
Service in violation of export control laws.

**H. Headings.** Headings are for convenience only and do not affect
interpretation.

**I. No agency.** No agency, partnership, joint venture, or employment is created
by these Terms, and you have no authority to bind Acru.

## 21. State and country specific notices
California residents: Under California Civil Code Section 1789.3, you may contact
the Complaint Assistance Unit of the Division of Consumer Services of the
California Department of Consumer Affairs in writing at 1625 N Market Blvd, Suite
N 112, Sacramento, CA 95834, or by telephone at 800 952 5210. California auto
renewal disclosures in Section 6 apply. If you are located in the European
Economic Area, United Kingdom, or other regions with laws that confer additional
rights, nothing in these Terms limits those rights.

## 22. Contact
**Acru Technologies, Inc.**
3997 W 1180 N
Lehi, UT 84048, USA
**Email: support@acru.tech**