Welcome to Charge Lookup Now. These Terms of Service ("Terms") govern your use of our website and services at www.chargelookupnow.com (the "Service"). By accessing or using our Service, you agree to be bound by these Terms. If you do not agree with these Terms, you must not use our Service.
Charge Lookup Now provides a free tool that helps users identify and explain unknown credit card charges by searching merchant descriptors and related information. The Service is designed strictly for personal, individual use. No user account or registration is required to use the basic lookup tool.
You agree to use the Service only for lawful, personal purposes. The Service is intended to assist individuals in understanding charges on their own credit card statements. Commercial use, resale, or unauthorized sharing of the Service or its data is prohibited.
To protect the integrity and availability of our Service, you agree to the following:
Charge Lookup Now strives to provide helpful information, but we cannot guarantee that the results are always accurate, complete, or up-to-date. The information and explanations provided by our Service are based on automated processing, including internal data sources and AI-driven analysis (such as large language models like OpenAI, LLAMA, Gemini, or proprietary models). These sources may be changed or updated at any time to improve results.
The results from our tool are intended as general guidance only. They should not be considered financial, legal, or professional advice. Always cross-reference with official statements, merchant communications, or financial documents. We are not responsible for any errors or omissions in the results or for any loss or damage you may incur by relying on the Service's output.
The Service is provided "as is" without warranties of any kind. We do not guarantee that the Service will always be available or operate error-free. We disclaim all warranties, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement.
In no event shall Charge Lookup Now, its affiliates, or its licensors be liable for any indirect, incidental, special, consequential, or punitive damages arising out of your use of, or inability to use, the Service. This includes damages for lost profits, data loss, or other intangibles, even if advised of the possibility of such damages.
The content and code on the Charge Lookup Now website, including text, graphics, logos, and software, are owned by Charge Lookup Now or our licensors and are protected by copyright, trademark, and other intellectual property laws. You are granted a limited, non-exclusive license to use the Service for personal purposes. You may not copy, modify, distribute, or create derivative works of any content from the Service without our express written permission.
Your privacy is important to us. By using the Service, you agree that we may process and retain certain data in accordance with our Privacy Policy. Please review the Privacy Policy for details on how we handle your data. Remember not to submit any sensitive personal information (such as full card numbers, passwords, or other confidential data) into the Service.
We may modify, suspend, or discontinue the Service (or any part of it) at any time without notice. We also reserve the right to update or change these Terms at any time. Any changes will become effective when we post the revised Terms on this page. Your continued use of the Service after such changes constitutes your acceptance of the new Terms.
We reserve the right to terminate or suspend your access to the Service at our discretion, without prior notice, for any reason, including if you breach these Terms. Upon termination, your right to use the Service will immediately cease, and you agree that we will not be liable to you for any termination of access.
If you have any questions about these Terms, please contact us through our Contact page.