Terms of Use

Educational use only

CardLab is a simulator for learning. It does not provide financial, legal, tax, or credit advice, and it does not calculate or predict your real credit score, approval odds, or any lender's decision.

Real issuer rules, fees, and interest can differ from the estimates shown. Use CardLab to learn, not as the basis for a financial decision.

Your simulations

Everything you enter is fake-but-realistic practice data that stays on your device by default (and in your own iCloud if you enable sync). You are responsible for what you choose to enter.

CardLab Pro

Pro is an optional one-time purchase, not a subscription. The App Store handles billing and any refunds under Apple's terms.

Provided as is

We work to keep CardLab accurate and reliable, but it is provided as is, without warranties. We are not liable for decisions you make from its estimates.

Age

You should be at least 13 years old to use CardLab.

Changes

We may update these terms. Continued use means you accept the update. Apple's App Store Terms of Service also apply.