Terms of Service

Effective Date: July 18, 2025

Last Updated: July 18, 2025

Welcome to Points Insiders! These Terms of Service (“Terms”) govern your use of our websites, apps, tools, communities, and related services (“Services”) operated by Points Insiders (“we,” “us,” or “our”). By using our Services, you agree to these Terms.

1. Who We Are

Points Insiders provides educational tools, content, and community resources to help users better understand and optimize their credit card rewards and travel redemptions. We are not a financial institution or credit card issuer, and we do not offer personal financial advice.

2. No Financial or Tax Advice

All content, tools, and software provided by Points Insiders are for informational and educational purposes only.

  • We do not provide financial, investment, legal, or tax advice.
  • We are not a registered investment advisor, CPA, or financial planner.
  • You should consult a qualified professional before making any financial decisions.

Use of our Services does not create a fiduciary relationship between you and Points Insiders.

3. Who Can Use Our Services

You must be at least 18 years old and able to enter into a legal agreement to use Points Insiders. By using our Services, you confirm that:

  • You are not prohibited by law from using our Services;
  • Any information you provide is accurate and up to date;
  • You will use the Services only for personal, non-commercial use.

4. Affiliate Disclosure

Some links on our site are affiliate links. When you click on a link and apply for or purchase a product, we may earn a commission — at no additional cost to you.

We always strive to:

  • Disclose affiliate relationships transparently;
  • Recommend only products we genuinely believe in;
  • Separate editorial content from affiliate influence.

5. Use of Our Tools

We provide interactive tools (like Smart-Spend Tracker, 5/24 Monitor, Transfer Bonus Alerts, etc.) to help users understand and plan travel rewards strategies.

You agree not to:

  • Use automated scraping tools or reverse engineer our software;
  • Resell or repackage any part of our platform;
  • Interfere with or damage the functionality of our Services;
  • Use the tools in any way that violates the law or third-party rights.

We reserve the right to suspend or limit access to users who abuse or misuse our tools.

6. User Accounts

Some features require account creation (e.g., via Google, email, or Discord login). You are responsible for maintaining the confidentiality of your account and agree not to:

  • Share your login with others;
  • Use another person’s account without permission;
  • Impersonate anyone else.

We may terminate or restrict access for any violation of these Terms.

7. Community Conduct

If you participate in our Discord, YouTube comments, or social platforms, you agree to follow these rules:

  • No harassment, hate speech, or spam
  • No financial or legal advice unless properly credentialed
  • No advertising or promotion without permission
  • Stay respectful and constructive

We may remove content or users who violate these rules.

8. Intellectual Property

All content, tools, code, branding, and visual elements are the intellectual property of Points Insiders or its licensors.

You may not copy, reproduce, modify, or distribute our materials without written permission.

You retain ownership of your own submissions (e.g. comments, testimonials), but grant us a license to display or use them in connection with our Services.

9. Third-Party Tools and Services

We may integrate with third-party platforms (e.g., Plaid, Discord, Stripe, YouTube, affiliate networks). Use of those services is subject to their own terms and privacy policies. We are not responsible for:

  • Availability or functionality of those services;
  • Data practices or terms of those third parties;
  • Any loss or harm arising from using external platforms.

10. Disclaimer of Warranties

Our Services are provided “as is” and “as available.” We make no warranties — express or implied — about:

  • Accuracy, completeness, or reliability of content or tools
  • Availability or uninterrupted access
  • Future availability of third-party products or offers
  • Financial outcomes or results from using our tools

Use our Services at your own risk.

11. Limitation of Liability

To the maximum extent permitted by law, Points Insiders shall not be liable for:

  • Any indirect, incidental, or consequential damages
  • Loss of income, profits, business, or data
  • Decisions made or not made using our tools or content

Our total liability is limited to any amount you paid us in the last 12 months (if any).

12. Indemnification

You agree to indemnify and hold harmless Points Insiders, its affiliates, and team members from any claims, damages, or legal costs resulting from:

  • Your use or misuse of our Services
  • Your violation of these Terms
  • Your violation of any third-party rights

13. Changes to These Terms

We may update these Terms from time to time. Changes will be posted on this page with an updated effective date. By continuing to use the Services after changes, you accept the new Terms.

14. Termination

We may suspend or terminate your access to our Services at any time for violation of these Terms or other misuse. You may stop using the Services at any time.

15. Governing Law

These Terms are governed by the laws of the State of Colorado, without regard to its conflict of law rules. Any legal dispute will be handled in the courts of Colorado.

16. Contact

For questions or concerns about these Terms, contact:

Brandon
Founder, Points Insiders

📧 support@pointsinsiders.com