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Terms of Use

Sockdrawer Operated by The El Leche Co LLC (DBA Sockdrawer) Effective Date: April 7, 2026 Last Updated: April 7, 2026

1. Acceptance of Terms

By accessing or using Sockdrawer at app.sockdrawer.io (the "Service"), you agree to be bound by these Terms of Use ("Terms"). If you do not agree to these Terms in their entirety, you may not access or use the Service.

These Terms constitute a legally binding agreement between you and The El Leche Co LLC, a Pennsylvania limited liability company doing business as Sockdrawer ("Sockdrawer," "we," "us," or "our"), with its principal place of business at 502 W 7th Street, Suite 100, Erie, PA 16502.

By creating an account, you represent that you have read, understood, and agree to be bound by these Terms and our Privacy Policy, which is incorporated herein by reference.

2. Eligibility

You must be at least 18 years of age to use the Service. By using the Service, you represent and warrant that you are at least 18 years old and have the legal capacity to enter into a binding agreement. We do not knowingly permit individuals under the age of 18 to create accounts or use the Service. If we become aware that a user is under 18, we will terminate that account immediately.

The Service is intended for use by residents of the United States only. By using the Service, you represent that you are a United States resident.

3. Accounts

3.1 Account Creation

To access the Service, you must create an account by providing your name, email address, and a password. You agree to provide accurate, current, and complete information during registration and to keep that information updated.

3.2 One Account Per User

Each individual may maintain only one account. Creating multiple accounts for the same individual — whether to circumvent limitations, avoid a suspension, or for any other reason — is strictly prohibited. We reserve the right to terminate all accounts associated with an individual who violates this policy without notice or refund.

3.3 Account Security

You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account. You agree to notify us immediately at help@sockdrawer.io if you suspect unauthorized access to your account. We are not liable for any loss or damage arising from your failure to maintain the security of your credentials.

3.4 Account Suspension and Termination

We reserve the right to suspend or terminate your account at any time, with or without notice, for any violation of these Terms, or for any conduct that we determine, in our sole discretion, to be harmful to other users, to Sockdrawer, or to the integrity of the Service.

4. Subscriptions and Payment

4.1 Free Tier

Sockdrawer offers a free tier that provides limited access to the Service, including tracking of up to three (3) credit cards and no access to notification features. The free tier is provided as-is and may be modified or discontinued at any time.

4.2 Pro Subscription

Sockdrawer Pro is available for $24.00 USD per year and provides unlimited card tracking, full notification features, and other premium functionality as described on the Service at the time of purchase.

4.3 Auto-Renewal

Your Pro subscription will automatically renew at the end of each annual billing period at the then-current subscription price. By subscribing, you authorize us (through our payment processor, Stripe) to charge your payment method on file for each renewal period. You may cancel auto-renewal at any time through your account Settings up until the moment your renewal is processed. Cancellation of auto-renewal takes effect at the end of your current paid period; you will retain Pro access until that date.

4.4 Downgrade on Non-Renewal

If your Pro subscription lapses for any reason — including failed payment or cancellation — your account will be immediately downgraded to the free tier upon expiration. You will lose access to Pro features and notifications immediately upon downgrade. Sockdrawer is not responsible for any consequences arising from your account being downgraded, including missed notifications or action items.

4.5 No Refunds

ALL SUBSCRIPTION FEES ARE NON-REFUNDABLE. BY COMPLETING A PURCHASE, YOU EXPRESSLY ACKNOWLEDGE THAT YOU HAVE WAIVED ANY RIGHT TO A REFUND, CHARGEBACK, OR CREDIT FOR ANY REASON, INCLUDING BUT NOT LIMITED TO DISSATISFACTION WITH THE SERVICE, CANCELLATION OF YOUR SUBSCRIPTION, OR TERMINATION OF YOUR ACCOUNT. This no-refund policy applies to the fullest extent permitted by applicable law.

4.6 Price Changes

We reserve the right to change subscription pricing at any time. We will provide at least thirty (30) days' advance notice of any price increase via email to your registered address. Your continued use of the Pro subscription after a price change constitutes acceptance of the new price.

4.7 Payment Processing

Payments are processed by Stripe, Inc. By providing payment information, you agree to Stripe's terms of service and privacy policy. We do not store your full payment card information; that data is held by Stripe subject to their own data practices.

5. Not Financial Advice

SOCKDRAWER IS AN ORGANIZATIONAL AND REMINDER TOOL ONLY. NOTHING IN THE SERVICE — INCLUDING BUT NOT LIMITED TO ACTION ITEMS, ALERTS, NOTIFICATIONS, ANNUAL FEE REMINDERS, DORMANCY WARNINGS, SIGNUP BONUS TRACKING, CHASE 5/24 CALCULATIONS, OR ANY OTHER FEATURE — CONSTITUTES FINANCIAL ADVICE, CREDIT ADVICE, OR LEGAL ADVICE OF ANY KIND.

You acknowledge and agree that:

  • All decisions regarding your credit cards — including whether to open, close, keep, cancel, product-change, or otherwise act on any credit card account — are solely your own decisions, made at your own risk.
  • Sockdrawer does not guarantee the accuracy of any information displayed in the Service, including annual fee dates, dormancy thresholds, signup bonus terms, issuer-specific rules, or 5/24 calculations.
  • Credit card terms, issuer policies, and bank rules change frequently and without notice. It is your sole responsibility to verify current terms directly with your card issuers.
  • Sockdrawer is not a licensed financial advisor, credit counselor, or attorney, and no use of the Service creates any advisory relationship of any kind.
  • You bear sole and complete responsibility for all financial outcomes arising from actions you take in connection with your credit card portfolio, whether or not prompted by information displayed in the Service.

6. Artificial Intelligence Features

The Service includes an AI-powered card enrichment feature that, when you enter a card name, automatically retrieves or infers metadata about that card (such as annual fee, card network, and other attributes) to reduce manual data entry.

You acknowledge and agree that:

  • This feature is powered by a third-party AI inference provider. When you use this feature, the card name or identifier you enter is transmitted to that provider for processing. No information that personally identifies you — such as your name, email address, or account credentials — is transmitted alongside this request.
  • AI-generated enrichment data may be inaccurate, outdated, or incomplete. You are solely responsible for verifying all data populated by this feature before relying on it.
  • We do not use your data to train or fine-tune any AI model. All AI usage within the Service is limited to inference at the time of your request.

7. Prohibited Conduct and Acceptable Use

You agree not to:

  • Use the Service for any unlawful purpose or in violation of any applicable law or regulation.
  • Create more than one account per individual.
  • Attempt to gain unauthorized access to any part of the Service, other users' accounts, or our systems.
  • Interfere with or disrupt the integrity or performance of the Service or its underlying infrastructure.
  • Use any automated means — including bots, scrapers, crawlers, or similar tools — to access, extract, or interact with the Service.
  • Impersonate any person or entity or misrepresent your affiliation with any person or entity.
  • Upload or transmit any malicious code, viruses, or other harmful components.
  • Use the Service in any manner that could damage, disable, overburden, or impair our servers or networks.
  • Reverse engineer, decompile, disassemble, or otherwise attempt to derive the source code, underlying ideas, algorithms, or structure of the Service.
  • Use the Service to develop, build, or assist in developing or building any competing product or service, whether directly or indirectly.

8. Prohibition on Competitive Intelligence and Reverse Engineering

8.1 Prohibition

The unauthorized use of the Service to reverse engineer, replicate, or develop competing products is strictly prohibited. Specifically, you may not, directly or indirectly:

(a) Reverse engineer, decompile, disassemble, decode, or otherwise attempt to derive or gain access to the source code, algorithms, data models, database schema, business logic, or any other proprietary aspects of the Service;

(b) Use the Service — or any knowledge, information, or insights obtained through use of the Service — to design, develop, build, launch, or assist any third party in designing, developing, building, or launching any software application, platform, or service that competes with or is substantially similar in purpose or function to the Service;

(c) Monitor, scrape, or systematically observe the Service's features, workflows, user interface, or behavior for the purpose of replicating or competing with the Service;

(d) Access or use the Service in any manner intended to circumvent, undermine, or misappropriate Sockdrawer's proprietary rights in the Service or its underlying technology.

8.2 Liquidated Damages

You acknowledge that violations of Section 8.1 would cause Sockdrawer substantial and difficult-to-quantify harm, including loss of competitive advantage, misappropriation of development investment, and damage to market position. Accordingly, you agree that for each distinct violation of Section 8.1, Sockdrawer shall be entitled to liquidated damages in the amount of $25,000 USD per violation, which the parties agree represents a reasonable pre-estimate of the harm caused by such a breach and not a penalty. This amount is in addition to, and not in lieu of, any injunctive or other equitable relief to which Sockdrawer may be entitled.

8.3 Injunctive Relief; Carve-Out from Arbitration

You acknowledge and agree that any violation or threatened violation of Section 8.1 would cause irreparable harm to Sockdrawer for which monetary damages would be an inadequate remedy. Accordingly, notwithstanding the arbitration provisions of Section 14, Sockdrawer shall be entitled — without posting bond or other security, and without being required to prove actual damages — to seek emergency, preliminary, and permanent injunctive relief, as well as any other equitable relief, from any court of competent jurisdiction to prevent or remedy any violation of this Section. Sockdrawer's right to seek such relief shall not be deemed a waiver of its right to compel arbitration for any other dispute.

8.4 Attorneys' Fees

In any action, proceeding, or arbitration arising from a violation of Section 8.1, the prevailing party shall be entitled to recover its reasonable attorneys' fees, court costs, and other litigation expenses from the non-prevailing party.

9. Intellectual Property

The Service and all of its content, features, and functionality — including but not limited to its software, code, design, user interface, text, graphics, data models, algorithms, and branding — are and remain the exclusive property of The El Leche Co LLC and are protected by United States and international copyright, trademark, trade secret, and other intellectual property laws.

These Terms grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Service solely for your personal, non-commercial credit card portfolio management. No other rights are granted. Nothing in these Terms transfers any ownership interest in the Service or its intellectual property to you.

Your card data — the information you input about your own credit card portfolio — remains your data. We claim no ownership over your personal card portfolio data.

10. Privacy and Data

Your use of the Service is subject to our Privacy Policy, available at app.sockdrawer.io/privacy, which is incorporated into these Terms by reference. By using the Service, you consent to the data practices described in our Privacy Policy.

11. Notifications and Communications

The Service may send you transactional and account-related notifications via email and browser push notifications, including alerts about action items, payment reminders, and account activity. These communications are inherent to the functionality of the Service and are not marketing communications.

You may manage your notification preferences at any time through your account Settings. You may opt out of browser push notifications through your account Settings or through your browser's notification controls. You may not opt out of certain account-critical communications, such as security alerts or billing notifications.

12. Disclaimers of Warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, SOCKDRAWER EXPRESSLY DISCLAIMS ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

We do not warrant that:

  • The Service will be uninterrupted, error-free, or available at any particular time;
  • Any information provided through the Service — including card metadata, fee dates, bonus terms, or 5/24 calculations — will be accurate, complete, or current;
  • The Service will meet your particular requirements or expectations; or
  • Any defects in the Service will be corrected.

Your use of the Service is entirely at your own risk.

13. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL SOCKDRAWER, ITS MEMBERS, OFFICERS, EMPLOYEES, AGENTS, OR LICENSORS BE LIABLE TO YOU FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES — INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, LOSS OF DATA, LOSS OF CREDIT OPPORTUNITIES, ANNUAL FEES INCURRED, SIGNUP BONUSES MISSED, OR GOODWILL — ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF OR INABILITY TO USE THE SERVICE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

IN NO EVENT SHALL SOCKDRAWER'S TOTAL AGGREGATE LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE EXCEED THE GREATER OF (A) THE TOTAL AMOUNT YOU PAID TO SOCKDRAWER IN THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (B) TWENTY-FIVE DOLLARS ($25.00 USD).

Some jurisdictions do not allow the exclusion or limitation of certain damages. In such jurisdictions, our liability is limited to the maximum extent permitted by law.

14. Dispute Resolution; Binding Arbitration

PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO FILE A LAWSUIT IN COURT.

14.1 Informal Resolution

Before initiating arbitration, you agree to first contact us at help@sockdrawer.io and describe the nature of your dispute in reasonable detail. We will attempt to resolve the dispute informally within thirty (30) days of receiving your notice. If the dispute is not resolved within that period, either party may proceed to arbitration as described below.

14.2 Binding Arbitration

Except as provided in Section 8.3 (injunctive relief for IP violations) and Section 14.5 (small claims), you and Sockdrawer agree that any dispute, claim, or controversy arising out of or relating to these Terms or the Service — including questions about the existence, validity, scope, or enforceability of this arbitration agreement — shall be resolved exclusively through final and binding arbitration, rather than in court.

Arbitration shall be administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules, which are available at www.adr.org. The arbitration shall be conducted in Allegheny County, Pennsylvania, unless otherwise agreed in writing by the parties. The arbitrator shall have exclusive authority to resolve all disputes relating to the interpretation, applicability, enforceability, or formation of this agreement to arbitrate.

14.3 Class Action Waiver

YOU AND SOCKDRAWER EACH AGREE THAT ANY CLAIMS AGAINST THE OTHER MUST BE BROUGHT IN YOUR OR OUR INDIVIDUAL CAPACITY ONLY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS ACTION, COLLECTIVE ACTION, CONSOLIDATED ACTION, OR REPRESENTATIVE PROCEEDING. THE ARBITRATOR MAY NOT CONSOLIDATE MORE THAN ONE PERSON'S CLAIMS AND MAY NOT OTHERWISE PRESIDE OVER ANY CLASS OR REPRESENTATIVE PROCEEDING. IF THIS CLASS ACTION WAIVER IS FOUND TO BE UNENFORCEABLE FOR ANY REASON, THEN THE ENTIRETY OF THE ARBITRATION AGREEMENT IN THIS SECTION 14 SHALL BE NULL AND VOID.

This waiver is mutual and applies equally to Sockdrawer.

14.4 Arbitration Fees

AAA filing fees and arbitrator compensation shall be allocated in accordance with the AAA Consumer Arbitration Rules. If you are seeking damages of less than $10,000, Sockdrawer will pay all AAA fees and arbitrator compensation unless the arbitrator finds your claim to be frivolous.

14.5 Small Claims Exception

Notwithstanding the foregoing, either party may bring an individual claim in small claims court in Allegheny County, Pennsylvania, provided that the claim remains in small claims court and is not removed or appealed to a court of general jurisdiction.

14.6 Governing Law; Venue

These Terms shall be governed by and construed in accordance with the laws of the Commonwealth of Pennsylvania, without regard to its conflict of law principles. For any matters not subject to arbitration (including actions under Section 8.3), you and Sockdrawer consent to the exclusive personal jurisdiction and venue of the state and federal courts located in Allegheny County, Pennsylvania.

15. Modifications to the Service and Terms

15.1 Modifications to the Service

We reserve the right to modify, suspend, or discontinue any part of the Service at any time, with or without notice. We shall not be liable to you or any third party for any modification, suspension, or discontinuation of the Service.

15.2 Modifications to These Terms

We may update these Terms from time to time. If we make material changes, we will provide at least thirty (30) days' advance notice by sending an email to your registered address and/or by displaying a prominent notice within the Service. Your continued use of the Service after the effective date of any updated Terms constitutes your acceptance of the new Terms. If you do not agree to the updated Terms, you must discontinue use of the Service and may delete your account.

16. General Provisions

16.1 Entire Agreement

These Terms, together with the Privacy Policy, constitute the entire agreement between you and Sockdrawer with respect to the Service and supersede all prior agreements, understandings, or representations.

16.2 Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court or arbitrator of competent jurisdiction, that provision shall be modified to the minimum extent necessary to make it enforceable, and the remaining provisions shall continue in full force and effect. The sole exception is the class action waiver in Section 14.3, which, if unenforceable, voids the arbitration agreement in its entirety as provided therein.

16.3 Waiver

Our failure to enforce any right or provision of these Terms shall not constitute a waiver of that right or provision.

16.4 Assignment

You may not assign or transfer your rights or obligations under these Terms, by operation of law or otherwise, without our prior written consent. We may assign our rights and obligations without restriction.

16.5 Force Majeure

We shall not be liable for any delay or failure to perform resulting from causes outside our reasonable control, including acts of God, natural disasters, pandemic, war, government action, internet outages, or failure of third-party service providers.

16.6 No Third-Party Beneficiaries

These Terms do not create any third-party beneficiary rights.

16.7 Contact

If you have questions about these Terms, please contact us at:

The El Leche Co LLC (DBA Sockdrawer) 502 W 7th Street, Suite 100 Erie, PA 16502 help@sockdrawer.io

These Terms of Use were last updated on April 7, 2026.