Terms of Use

Using Wallet Extras

Wallet Extras is a personal organization tool operated by Luxus & Invoco, Inc. By using the app, website, or an optional Wallet Extras AI connection, you agree to these terms. You may stop using the service at any time.

Information only

Wallet Extras summarizes publicly available credit card benefits and helps you record whether you used them. It does not provide financial, legal, tax, or credit advice and does not determine eligibility, approval, or the value of a benefit for you.

Issuer terms, account-specific offers, exclusions, enrollment requirements, and deadlines always control. Check the issuer’s current terms before making a purchase or relying on a benefit.

No issuer affiliation

Wallet Extras is independent and is not endorsed by or affiliated with Apple, Google, any card issuer, bank, airline, hotel program, or payment network unless expressly stated. Product names and marks belong to their respective owners and are used only to identify the relevant card or benefit.

Premium subscriptions

The free app supports up to two personal cards. Premium removes that limit and includes optional wallet backup and device sync. An account is not required to buy or restore Premium. Available plans and localized prices are shown by the App Store or Google Play before purchase. Subscriptions renew automatically until canceled through the store account used to purchase.

Apple or Google Play handles billing, cancellation, and applicable refunds under the applicable store policies. Canceling or losing Premium does not delete cards already stored on your device, but adding more cards may require an active subscription.

The iOS app is licensed under Apple’s standard End User License Agreement.

Your data

Your wallet is stored locally. If you choose Premium backup and sync, it is also saved to your cloud account. Sync requires connectivity and runs while the app is open; check its status before erasing or replacing a device. Restoring a backup replaces the wallet on that device.

After Premium expires, uploads pause, while existing backups remain available for recovery and account deletion. Deleting a cloud account does not cancel a subscription or erase the local wallet. Keep an export of information you need. See the Privacy Policy for details.

Optional AI connections

Where available, an eligible account can connect a supported AI assistant to a synced wallet with explicitly granted permissions. The assistant can read authorized information and make supported changes you request. Recorded usage is not proof of a posted issuer credit, and adding a tracking card does not apply for credit.

Review ambiguous or assistant-proposed entries before authorizing them. Wallet Extras cannot verify information supplied by an assistant against your bank or issuer account. Card removal also removes that card's recorded history and has no chat Undo. You can revoke an assistant's access at Your connections. The assistant provider's terms apply separately.

Accuracy and availability

We work to keep catalog information useful and current, but benefits and terms can change without notice. Wallet Extras may contain delays, omissions, or errors and may be changed, suspended, or discontinued. Report suspected catalog errors through Support.

Acceptable use

Do not misuse the app, interfere with its operation, attempt unauthorized access, or use Wallet Extras to violate law or another party’s rights.

Changes

We may update these terms as Wallet Extras changes. The effective date above will identify the current version. Continued use after an update means you accept the revised terms.

Contact

Questions about these terms can be sent to support@walletextras.com.