These Terms of Service form a contract between you and the "Operator", an individual conducting the WhichCard business in Thailand (currently not incorporated, with a placeholder for a future entity). By accessing or continuing to use the Service, you confirm you have read, understood, and accepted these Terms and the Privacy Policy. If you do not accept them, please stop using the Service.

Acceptance is captured electronically at the point of consent, recording the document versions, a timestamp, and your separate choices for (i) international transfer of data, (ii) confirmation that you are at least 20 years old, and (iii) marketing communications. Your acceptance of these Terms and of each updated version is evidenced by your tapping to accept and/or your continued use after notice, recorded with version and timestamp (UserConsent). That record is strong evidence of the version you accepted and when, absent proof to the contrary; this does not bar your right as a consumer to rebut the record, and material changes to price or to PDPA consent require fresh, affirmative acceptance rather than silent deemed acceptance.

The Service is only for persons of legal age (20+) who hold a credit card.

WhichCard is an informational decision-support tool that helps you choose which card to use for a given payment. All output is general information to aid your decision only.

Output from WhichCard is not financial, investment, tax, or legal advice, and is not advice regulated under Thai financial law. The Operator is not a licensed financial adviser.

The system works by having AI interpret your message and explain the answer only, while card rankings are produced by a deterministic engine based on stored benefit rules — not decided by the AI. You alone make and are responsible for your decision.

Your use of the Service does not create any fiduciary, advisory, agency, trustee, or professional relationship of any kind between you and the Operator.

The Operator owes you no duty of care beyond providing the Service as described in these Terms, does not act on your behalf or in your interest in any payment or financial decision, and is not a financial adviser, broker, introducer, or agent of any bank or issuer.

This clause describes the true nature of the relationship; it is not an exclusion of statutory liability and does not affect the Operator's baseline duties of good faith and against gross negligence.

All savings amounts, cashback percentages, point values, benefit caps, and rankings are estimates calculated from stored benefit rules and may differ from the benefit you actually receive. Estimates assume the benefit is live and that you meet all of the issuer's conditions (e.g. minimum spend, registration, eligible merchant category, and caps).

Actual benefit depends solely on the issuing bank's current terms at the time of your transaction. WhichCard does not guarantee you will obtain any specific saving, cashback, point, or benefit shown.

A figure such as "save ฿X" or similar is a non-binding estimate, not a promise of that outcome.

Card data, rates, cashback percentages, caps, perks, and promotions are partly compiled from public sources (e.g. regulator information, aggregators such as CheckRaka, issuer sites, and automated data collection). This information may be inaccurate, incomplete, outdated, or expired.

Where a source and a last-verified/expiry indicator are shown, use them to help you check. We cannot guarantee the data is current.

You must verify the current terms directly with the issuing bank every time before deciding to pay or claim a benefit. Do not use WhichCard as your sole basis for a payment decision. The issuer's actual published terms always prevail over anything shown in WhichCard. Because you are required to verify current terms with the issuer before each transaction, any loss arising from acting on WhichCard without doing so is, to the extent permitted by law, attributable to your own decision and not caused by the Service. We do not represent that any figure is current at the moment you act on it.

The AI assistant interprets your request and explains the result; rankings come from the deterministic engine, not the AI.

AI-generated text and explanations are produced automatically, are not reviewed by a human before delivery, and may be inaccurate, incomplete, outdated, or may describe a promotion or benefit that does not exist or has expired (hallucination). The AI may also misunderstand your request.

Please review the result and verify with the bank before relying on it each time. You rely on AI output at your own risk.

Promotions and benefit rules carry a status and a last-checked date. A promotion may have ended, changed, or been withdrawn by the issuer after our last check and before you see it. Discovered promotions may be unverified drafts. We make no representation that any promotion shown is currently live, and the issuer's live terms always prevail.

Recommendations are generated at a point in time from data then available and may change or disappear as the underlying card catalog, rules, and promotions change. The Operator may add, alter, re-rank, or remove cards, rules, and promotions at any time without notice, and a recommendation shown previously creates no continuing entitlement or representation about future results.

You represent and warrant that all information you enter (cards held, points, perks, targets, messages) is accurate, lawfully provided, and that you have the right to provide it; you will keep it up to date and will not submit other people's personal data without authority, malware, or unlawful content. You acknowledge that recommendations depend on this input and that the Operator is not responsible for results caused by inaccurate, incomplete, unlawful, or outdated information you supply.

You grant the Operator a non-exclusive, royalty-free licence to process this input to operate, secure, and improve the Service, and (in de-identified/aggregated form) for analytics. The scope of this licence follows the lawful basis stated in the Privacy Policy.

You acknowledge and voluntarily assume the risk that card data, rates, caps, perks, promotions, savings figures, and AI explanations may be inaccurate, incomplete, outdated, or expired. Any reliance you place on the Service is at your own risk and is your independent decision; you agree to independently verify the current terms with the issuing bank before each payment and not to treat any output as a substitute for that verification. You acknowledge that WhichCard does not execute any transaction, does not control whether an issuer honours any benefit, and that the proximate cause of any financial loss is your own decision to transact without verifying. You agree that you will not have relied solely on WhichCard and that the Service is one input among others.

WhichCard is an independent service, not affiliated with, sponsored by, or endorsed by any bank or card issuer. All bank names, card names, and trademarks belong to their respective owners and are used nominatively, only to identify and compare the products. We do not use logos or trade dress as our own branding and imply no partnership or endorsement.

All rankings and comparisons are true, transaction-specific factual computations and honest opinion drawn from the disclosed sources current as of the stated check date (e.g. "for this purchase, Card B earns more than Card A"), made in good faith. They are not assertions of fact about an issuer's general quality, solvency, or integrity. Any AI-generated phrasing is automated, unreviewed, and may be imprecise; it is not intended to, and should not be read to, disparage any issuer.

Issuers, rights holders, or users may report inaccurate data, alleged IP infringement, or affiliation/branding concerns via the WhichCard LINE Official Account. Under our notice-and-cure process, on notice we will in good faith review, correct, annotate, or remove the item within a reasonable period before it is treated as a dispute. We encourage using this channel before any formal action.

The Service may reference, summarize, or link to third-party content, issuer pages, aggregator sources (e.g. CheckRaka), promotions, and the external PSP and LINE platforms.

The Operator does not control and does not endorse, warrant, or assume responsibility for any third-party content, site, product, promotion, or service, including its accuracy, availability, security, pricing, or terms.

Your dealings with any third party (including the issuing bank, the PSP, and LINE) are solely between you and that third party. This clause does not reduce the Operator's data-controller obligations for processors it chose, as set out in the Privacy Policy.

All WhichCard software, the recommendation engine, the curated set of benefit and promotion rules (a protected compilation arising from the Operator's selection, arrangement, and verification), the brand, name, and user interface belong to the Operator.

The Operator grants you a limited, personal, revocable, non-transferable, non-sublicensable licence to use the Service for personal purposes only. You must not access the Service in an automated or bulk manner; extract, copy, or redistribute WhichCard's dataset; reverse engineer it; resell recommendations; or attempt to overload the system or extract data from the AI.

Breach of this section is a material breach. In addition to suspension or termination (Section 18), the Operator reserves all rights and remedies available at law and in equity, including seeking injunctive relief to stop unauthorized access, scraping, or dataset extraction, and recovery of reasonable costs. The Operator's database of curated benefit and promotion rules is a protected compilation; unauthorized extraction or reuse may infringe its rights and may also constitute unauthorized access under the Computer Crime Act.

Pro membership grants access to additional features and limits only (e.g. more questions, alerts, wallet tools). It is not a purchase of guaranteed accuracy, a guaranteed saving, or any guaranteed outcome. The estimate and verify-with-the-bank disclaimers apply equally to free and Pro users.

Price, renewal price, billing cycle (monthly/annual), cancellation method, and VAT treatment are shown as a clear pre-purchase summary at sign-up; prices are in THB. The subscription auto-renews at the stated renewal price until you cancel. Subscribing constitutes your authorization for the PSP to charge your chosen method each cycle. Billing is handled entirely by the PSP (e.g. Stripe/Opn); the Operator does not see or store card numbers, CVV, or expiry — only an external subscription reference. For annual plans, we send a pre-renewal reminder via LINE.

Distance-selling withdrawal right (Direct Sales and Direct Marketing Act B.E. 2545): where the Pro subscription is sold by direct marketing to a consumer, you may exercise any statutory right to withdraw within the period the law provides by notifying us via the LINE Official Account. For digital services, however, you expressly request immediate commencement and acknowledge that, to the extent permitted by law, the withdrawal right is reduced once the service has been supplied/consumed in the started period.

You can cancel anytime via the in-app path or the LINE Official Account. Cancellation stops future renewals and remains effective until the end of the period already paid. We do not pro-rate an already-started period except (i) where Thai consumer law requires it, (ii) where we materially fail to provide the Pro features for a sustained period, or (iii) where the service is discontinued, in which case we refund or credit the unused prepaid portion. These remedies are in addition to, and do not limit, your non-waivable statutory consumer rights.

Before initiating a bank chargeback, you agree to use our LINE notice-and-cure path first. For any payment dispute you authorise us to disclose your consent records, subscription reference, and relevant usage logs to the PSP and card network as evidence. Bad-faith or fraudulent chargebacks are a material breach and grounds for immediate termination and recovery of reasonable costs. Nothing here limits your statutory rights as a consumer.

Price changes apply to future billing periods only. We give advance notice via LINE, and you may cancel before renewal to avoid the new price. We never retroactively re-charge a completed period.

The Service is provided "as is" and "as available", and to the maximum extent permitted by Thai law we disclaim warranties of accuracy, completeness, timeliness, and fitness for a particular purpose. Nothing in this Section excludes or limits (i) liability for fraud, gross negligence, or wilful misconduct; (ii) liability for death or personal injury caused by our fault; (iii) the consumer's rights under the Consumer Protection Act B.E. 2522, the Product Liability Act, and the Civil and Commercial Code; or (iv) the data subject's rights under the PDPA; and any term that would do so is read down to the extent necessary so the remainder stands.

The Service is provided on a best-effort basis with no uptime guarantee or SLA, and may be suspended, interrupted, or limited for maintenance or due to third-party (LINE, PSP, AI providers, hosting) failures or changes.

The Operator may modify or discontinue features. If the Pro service is discontinued, the Operator will stop future renewals and, in good faith, refund or credit any unused prepaid period.

To the extent permitted by Thai law, the Operator is not liable for indirect, consequential, or special damages, or loss of points, savings, profits, or opportunities, arising from use of or reliance on the Service, estimates, or outdated data.

Subject always to the carve-outs in the next paragraph, and only to the extent the law permits limitation, the Operator's total aggregate liability for any and all claims — whether in contract, tort (including negligence other than gross negligence), restitution, statute, or otherwise — arising in any 12-month period shall not exceed the greater of (a) the Pro fees you actually paid to the Operator in the 12 months immediately preceding the first event giving rise to liability, or (b) one thousand baht (THB 1,000). This is a single combined cap across all causes of action for the same or related facts, and is a negotiated allocation of risk reflecting the price of this low-cost informational tool. The no-reliance and verification provisions above may reduce recoverable loss to nil.

The above limitation and cap do not apply to liability arising from the Operator's fraud, gross negligence, or wilful misconduct; death or personal injury; or any other liability that Thai law (including the Unfair Contract Terms Act B.E. 2540 and consumer-protection law) prohibits limiting or excluding, including your statutory rights as a consumer and data subject.

You agree to indemnify the Operator for reasonable, direct, and documented losses, only to the extent they actually and proximately arise from your breach of these Terms, your unlawful or infringing use, or personal data of third parties you submitted without authority.

The Operator will notify you promptly of any such claim, will not settle it in a way that admits your liability without consulting you, and will take reasonable steps to mitigate. This indemnity does not apply to the extent the loss results from the Operator's own fault and does not affect your statutory consumer-protection rights.

The Operator is not in breach or liable for any delay or failure to perform caused by events beyond its reasonable control, including acts of God, natural disaster, epidemic, war, civil disturbance, government action or change of law, power/telecom/internet failure, cyber-attack, or the failure, suspension, or change of any third-party service the Service depends on (LINE, the PSP, AI model providers, hosting/CDN providers).

In such cases the Operator's only duty is to use reasonable efforts to restore the Service. This clause does not excuse the Operator's own gross negligence or wilful misconduct and does not affect the good-faith refund duty for a paid-but-undelivered Pro period.

The Operator may suspend or terminate your access immediately if you breach the Acceptable Use rules (Section 11), commit fraud, or abuse chargebacks. Where termination is for cause, no refund is given for the current period.

You may stop using the Service at any time by ceasing use and/or deleting your account.

If any provision is held invalid or unenforceable, it shall be modified to the minimum extent necessary to be valid, or if impossible, severed, and the remaining provisions stay in full force.

The following survive termination or expiry for any reason: the estimates/no-guarantee disclaimers (Section 4), data-accuracy and verify-with-issuer duties (Section 5), AI-output limitations (Section 6), user warranties, no-reliance, and assumption of risk (Section 8), IP and licence (Section 11), limitation and cap of liability (Section 14), indemnification (Section 15), force majeure (Section 16), and governing law, jurisdiction, and these general provisions.

No failure or delay by the Operator in exercising any right operates as a waiver of that right, and no single or partial exercise precludes any further exercise. A waiver is effective only if given expressly in writing (including via the LINE Official Account).

These Terms together with the Privacy Policy constitute the entire agreement between you and the Operator regarding the Service and supersede all prior or contemporaneous communications, marketing statements, LINE messages, or representations.

You agree you have not relied on any statement, demonstration, or example (including illustrative savings figures or screenshots) not expressly set out in these Terms. This clause does not limit liability for fraud, intentional or grossly negligent misrepresentation, or your rights under consumer-protection law.

You may not assign or transfer your rights or obligations under these Terms.

The Operator may assign, novate, or transfer these Terms and the operation of the Service — including to a company the Operator later incorporates or to a successor in a sale of the business — provided your rights under these Terms and your statutory rights are not diminished, on notice via LINE. Your accrued rights survive any transfer, and any change of data controller remains subject to the notification and consent steps required by the Privacy Policy and the PDPA.

These Terms are governed by and construed under the laws of the Kingdom of Thailand.

Any dispute arising out of or relating to the Service or these Terms shall be submitted to the jurisdiction of the courts of Thailand. The parties will first attempt in good faith to resolve the dispute informally via the LINE Official Account before commencing proceedings; this informal step is a good-faith precondition, not a bar to access to court.

We do not impose mandatory arbitration, a foreign venue, or a class-action waiver. As a consumer you retain your rights under the Consumer Case Procedure Act B.E. 2551, including the right to file at the court of your own domicile and to the benefit of consumer-case procedure.

Notices to you may be given through the Service, the LINE Official Account, or by in-app message, and are deemed received when sent for ordinary matters. Notices to the Operator must be sent via the LINE Official Account. You are responsible for keeping your LINE account reachable.

We may update these Terms from time to time. If we make material changes, particularly to price or to PDPA consent, we will notify you and ask you to accept the new version through fresh, affirmative acceptance before continuing, recording your acceptance as evidence.

The single official channel for support, cancellation, refund requests, complaints, and exercising PDPA rights is the WhichCard LINE Official Account. We deliberately publish no email, which does not limit your legal rights. We aim to respond within a reasonable time (generally within 7 days for general matters and within 30 days for PDPA requests).