Terms of use

These terms are an agreement between you and the operator of Yoho ("we"). By using the app you accept them. If you don't accept them, don't use the app.

1. What Yoho is (and isn't)

• Informational, not advice. Yoho provides general information and estimates. It does not provide financial, investment, credit, tax, or legal advice, and it is not a substitute for professional advice. Decisions you make — which card to use, apply for, or cancel — are yours.
• Estimates, by design. Recommendations combine published card facts with information you supply (cards held, spend estimates, point-value goals). iOS does not let apps observe your actual purchases, so caps, bonuses, and projections are estimates, not records. The same goes for point-value and program-transfer figures the app shows — they are informational estimates, not quotes.
• Issuer terms govern. Earn rates, caps, and conditions are set by card issuers and change without notice. We verify card facts against published sources and our card database records when each card's facts were last verified, but we cannot guarantee accuracy, completeness, or timeliness. What your issuer credits you is determined solely by your agreement with them. Spotted a wrong card fact? Email data@getyoho.ca — the app's "report a data problem" button does the same.
• Independent. Yoho is not affiliated with, endorsed by, or sponsored by any bank, card issuer, or payment network. Card and program names and trademarks belong to their owners and are used only to identify the products they name.

2. Licence, accounts and iCloud

We grant you a personal, non-transferable licence to use Yoho on Apple-branded devices that you own or control, as permitted by the Usage Rules set out in the Apple Media Services Terms and Conditions — except that the app may be accessed and used by other accounts associated with you via Family Sharing or volume purchasing — for your personal, non-commercial use.

Yoho has no accounts. Optional features — syncing your wallet across devices and submitting merchant reports — use the iCloud account already on your device, under Apple's iCloud terms. Without iCloud, your wallet stays on your device and reports can't be submitted; the app still downloads card-fact updates from our public database.

3. Merchant reports you submit

• Submit reports only about earnings you actually observed. Don't submit false or misleading reports or attempt to manipulate community data.
• Reports are public contributions to a shared merchant database, retained indefinitely so the community data stays auditable (see the Privacy Policy for exactly what a report contains and how to ask us to remove one you submitted). You grant us a perpetual, worldwide, royalty-free licence to store, review, aggregate, publish, and use your reports to operate and improve the service.
• Reports are moderated by humans before they influence recommendations. We may accept, reject, or disregard any report at our discretion.

4. Acceptable use

Don't misuse the service: no attempting to disrupt it, no bulk-scraping the shared database for redistribution, no submitting content through modified clients, and no using the app in violation of applicable law.

5. Purchases

Yoho is currently free. If paid features or subscriptions are introduced, prices, terms, and auto-renewal details will be shown before you buy; billing, receipts, and refunds will be handled by Apple through your Apple ID under Apple's Media Services terms. If we ever display affiliate links, they will be clearly disclosed where they appear, and they will never influence which card the app recommends.

6. Disclaimer of warranties

The app is provided "as is" and "as available", without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the app will be uninterrupted, error-free, or that any recommendation, earn rate, cap projection, bonus estimate, or point-value or transfer-rate estimate is accurate or current.

7. Limitation of liability

To the maximum extent permitted by law, we are not liable for any indirect, incidental, consequential, special, or punitive damages, or for lost rewards, points, or profits, arising from your use of the app — including decisions made in reliance on its estimates. Our total liability for all claims is limited to the greater of $50 CAD and the amount you paid us in the twelve months before the claim.

Some jurisdictions, including Quebec, do not allow certain warranty exclusions or liability limits under consumer-protection law. Nothing in these terms limits rights that the law grants you and does not permit you to waive.

8. Apple

These terms are between you and us, not Apple. We — not Apple — are solely responsible for the app and its content, for providing any maintenance and support for it (Apple has no obligation to do so), and for addressing any claims by you or any third party relating to the app, including product liability claims, claims that the app fails to conform to an applicable legal or regulatory requirement, and claims under consumer-protection, privacy, or similar legislation. In the event of any failure of the app to conform to an applicable warranty, you may notify Apple, and Apple will refund the purchase price of the app (if any) to you; to the maximum extent permitted by applicable law, Apple has no other warranty obligation with respect to the app, and any other claims, losses, liabilities, damages, costs or expenses attributable to a failure to conform to a warranty are our sole responsibility. In the event of any third-party claim that the app or your possession and use of it infringes that third party's intellectual property rights, we, not Apple, are solely responsible for the investigation, defence, settlement, and discharge of the claim.

You represent and warrant that (i) you are not located in a country subject to a U.S. Government embargo or designated by the U.S. Government as a "terrorist supporting" country, and (ii) you are not listed on any U.S. Government list of prohibited or restricted parties.

Apple and its subsidiaries are third-party beneficiaries of these terms and may enforce them against you. You must also comply with the Apple Media Services Terms and Conditions, and with any other applicable third-party terms of agreement when using the app (for example, your wireless data service agreement).

9. Changes and termination

We may update the app, these terms, or discontinue the service. Material changes to these terms will be posted here with a new effective date and called out in the app; where the law requires it, we will give you advance notice. Continued use after a change is acceptance. Because wrong card data is worse than no answer, versions of the app that can no longer read current card data may stop showing recommendations until updated. You can stop using the app at any time by deleting it. We may suspend access to shared features (such as report submission) for misuse.

10. General

These terms are governed by the laws of the Province of Ontario and the federal laws of Canada applicable in it, without limiting any mandatory consumer protections of your province of residence. If any provision is found unenforceable, the rest remain in effect. These terms, with the Privacy Policy, are the entire agreement about the app.

Contact

Yoho is developed and operated by San Vo, Toronto, Ontario, Canada.
Questions and complaints: hello@getyoho.ca · card-fact corrections: data@getyoho.ca