Terms & Conditions

Last updated 29 July 2026

What this is

ToroKard is a personal use app currently in testing with a small group of users. It may change, break, or pause at any time while we work on it.

Not financial advice

Recommendations are informational only. They are a calculation over published reward rules, not financial advice, and they do not account for your full financial situation.

Data can be stale or wrong

Reward rules and offers are fetched from public bank pages, which change without notice and are sometimes parsed imperfectly. Verify rates, caps and offer terms with your bank before relying on them.

No liability

You choose which card to pay with. ToroKard is not responsible for missed rewards, fees, or any outcome of card decisions made using the app.

Trademarks

Bank and card names and logos belong to their respective owners. Their appearance here means only that a card exists, not that its issuer endorses ToroKard.

Changes

These terms may be updated as the app evolves during testing. The version on this page and in the app is always the current one.