Terms and Conditions

Last updated: November 10, 2026

These terms apply when you use the Ruby app and website. Ruby is run by Henry Cheung. By using Ruby, you agree to these terms.

What Ruby does

Ruby helps you track credit card credits and perks, shows how each card earns rewards, and reminds you before credits reset. Ruby isn't a bank or a card issuer, and it can't change your account, apply credits or activate benefits for you.

Who can use Ruby

You must be 18 or older, and the information you give us must be accurate. You're responsible for keeping your account secure.

Not financial advice

Ruby gives general information to help you decide for yourself. It isn't financial, tax or legal advice. Choices about your cards, spending and transfers are yours.

Card information can change

Card benefits, fees, transfer bonuses and terms change, and Ruby may be out of date or wrong. Always confirm the details with your card issuer before relying on them. Totals and reminders are estimates, and logged savings are your own numbers. We aren't responsible for a credit you lose, a reminder that doesn't arrive, or a decision made using Ruby.

Connecting your cards

Connecting your cards is optional and runs through Plaid. Connections may stop or miss information, and your bank or Plaid may change how they work. We disconnect a free connection if you don't open Ruby for 30 days, and you can reconnect anytime.

Free and paid features

Ruby is free to use, including one connected no-fee card while free connections last. Connecting all your cards is $7.99 a month or $59.99 a year, and Ask may be a separate add-on. Subscriptions are billed through the App Store and renew automatically until you cancel in your Apple account settings. Prices are shown before you buy, and refunds are handled by Apple. If we change a price, we'll tell you first.

Ask

Ask, when available, uses AI to answer questions. Its answers can be incomplete or wrong, so check anything important before you act on it.

Partners and other companies

Ruby isn't affiliated with the card issuers or merchants it names, and all trademarks belong to their owners. Links may open other companies' apps and sites, and their own terms apply there. If Ruby ever suggests a card and could earn a reward from it, we'll say so next to the link.

Fair use

Please don't misuse Ruby, try to break into it, copy it, or use it to break the law or harm others. We may suspend accounts that do.

Our content

Ruby's design, name, logo and content belong to us. Your information stays yours, and you let us use it to run Ruby as described in our Privacy Policy.

Ending your use

You can stop using Ruby and delete your account at any time. We may change or end features, or end the service, and we'll try to give you notice.

Limits on our responsibility

Ruby is provided as is, without warranties, to the extent the law allows. To the extent the law allows, we aren't liable for indirect or consequential losses, and our total liability is limited to what you paid us in the past 12 months.

Changes

We may update these terms and will change the date above. For important changes, we'll let you know in the app or by email.

Contact

Questions? Write to rubyapp@mobilemetcon.com.