CardSift for Android

Terms of use

The rules for using CardSift, in plain words.

Effective November 10, 2026. Applies to CardSift version 0.1.

1. Who we are and what these terms cover

CardSift is published by LanceAds OÜ, registry code 16016285, Kotkapoja tn 2a-10, 10615 Tallinn, Estonia ("LanceAds", "we"). These terms cover your use of the CardSift app for Android. By using the app you agree to them. If you do not agree, please do not use the app.

2. What CardSift is

CardSift helps adults in the United States compare credit cards. You answer four questions, and the app shows cards from its catalog that fit your answers, a catalog you can filter, the details of each card and a side-by-side comparison. The app is free and needs no account. You must be at least 18 years old to use it.

3. Not a lender, not an issuer, not advice

• LanceAds is not a bank, a lender, a card issuer, a broker or a credit counselor. We do not offer or arrange credit and we do not take applications.
• We do not make or influence credit decisions. Only the issuer decides whether to approve an application and on what terms, after you apply on the issuer's own site.
• A match or a ranking in CardSift is not an approval, a prequalification or an offer of credit, and it does not mean you will be approved.
• CardSift gives general information. It is not financial, legal or tax advice, and it does not take your full circumstances into account.

4. Card information

Fees, rates and offers shown in the app were read on each issuer's own website on the date shown on the card's page. Issuers change their terms, and offers can differ from person to person. Where we could not confirm a figure, the app says "See issuer's site" instead of showing one. We work to keep the catalog accurate, but we do not promise that it is complete, current or free of errors. The terms that apply to you are the ones the issuer gives you when you apply. Read them before you apply.

The catalog does not include every card or every issuer on the market.

5. Advertiser disclosure and ranking

Some links to card issuers may be paid partnerships: we may receive a payment from a partner when you apply for or open a card through such a link. This costs you nothing. Payment does not affect ranking. Cards are ranked only by how well they fit your answers, using the method described in the app under About, "How ranking works". The app also shows advertising served by Google AdMob.

6. Other companies' sites

"Apply on issuer's site" opens a website that we do not run. The issuer's own terms and privacy policy apply there. We are not responsible for the content, the products or the decisions of issuers or of any other third party.

7. Names and trademarks

Card and issuer names are used only to identify the products. They belong to their owners. Their use does not mean that the owner sponsors or endorses CardSift, or that CardSift is affiliated with them. The card pictures in the app are generic illustrations, not the real card designs.

8. Using the app

You may use CardSift for your own personal, non-commercial use. Please do not copy the catalog in bulk, interfere with how the app works, or use it in a way that breaks the law. The app and its content belong to LanceAds or its licensors.

9. No warranty

The app is provided "as is" and "as available". To the extent the law allows, we give no warranties, express or implied, including warranties of accuracy, merchantability and fitness for a particular purpose.

10. Limit of liability

To the extent the law allows, LanceAds is not liable for indirect, incidental or consequential losses, or for any loss that results from a decision you make based on the app, from an issuer's decision or terms, or from a third party's site. Nothing in these terms limits liability that cannot be limited by law, or takes away rights you have as a consumer under the law of the place where you live.

11. Privacy

Our Privacy policy explains what the app does with data. In short: no accounts, no personal details, and ads through Google AdMob with your consent where the law requires it.

12. Changes and ending

We may change the app or these terms. When we change the terms we will update the date at the top. If you keep using the app after a change, the new terms apply. You can stop using the app at any time by uninstalling it.

13. Governing law

These terms are governed by the law of Estonia. If you are a consumer, you also keep the protection of the mandatory rules of the country or state where you live, and you may bring a claim in the courts there.

14. Contact

Questions about these terms: [email protected].