Terms & Conditions

1. Acceptance of Terms

By accessing and using pointsIQ ("the Service"), you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.

2. Description of Service

pointsIQ is a credit card points tracking and optimization platform that helps users:

  • Track and manage credit card points across multiple banks and loyalty programs
  • Analyze the value and potential redemption options for accumulated points
  • Receive personalized recommendations for earning and redeeming points
  • Access educational content about credit card rewards optimization

3. User Accounts and Registration

To access certain features of the Service, you may be required to create an account. You agree to:

  • Provide accurate, current, and complete information during registration
  • Maintain and promptly update your account information
  • Maintain the security of your account credentials
  • Accept responsibility for all activities that occur under your account
  • Notify us immediately of any unauthorized use of your account

4. Financial Information and Security

pointsIQ may require access to your credit card and loyalty program information to provide our services. You acknowledge that:

  • We use industry-standard encryption and security measures to protect your data
  • We do not store your credit card numbers or banking passwords
  • We only access information necessary to provide our services
  • You are responsible for the accuracy of the information you provide
  • We are not responsible for any losses resulting from inaccurate information

5. Use of Service

You agree to use the Service only for lawful purposes and in accordance with these Terms. You agree not to:

  • Use the Service for any fraudulent or illegal activities
  • Attempt to gain unauthorized access to our systems or other users' accounts
  • Interfere with or disrupt the Service or servers
  • Use the Service to transmit viruses or malicious code
  • Reverse engineer or attempt to extract source code from the Service

6. Points and Rewards Disclaimer

pointsIQ provides information and recommendations about credit card points and rewards programs. You acknowledge that:

  • We do not guarantee the accuracy of point valuations or redemption rates
  • Credit card terms and rewards programs may change without notice
  • We are not responsible for any losses or missed opportunities related to points
  • You should verify all information with your credit card issuer or loyalty program
  • We do not provide financial advice - consult with a financial advisor for major decisions

7. Intellectual Property

The Service and its original content, features, and functionality are owned by pointsIQ and are protected by international copyright, trademark, patent, trade secret, and other intellectual property laws.

8. Privacy Policy

Your privacy is important to us. Please review our Privacy Policy, which also governs your use of the Service, to understand our practices.

9. Limitation of Liability

In no event shall pointsIQ, nor its directors, employees, partners, agents, suppliers, or affiliates, be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from your use of the Service.

10. Termination

We may terminate or suspend your account and bar access to the Service immediately, without prior notice or liability, under our sole discretion, for any reason whatsoever and without limitation, including but not limited to a breach of the Terms.

11. Changes to Terms

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will provide at least 30 days notice prior to any new terms taking effect.

12. Contact Information

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

Email: support@pointsiq.co
Website: https://pointsiq.co

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