Acceptance of Terms

By accessing and using this credit card management application ("Service"), operated by Points Applied ("we," "us," or "our"), you accept and agree to be bound by the terms and conditions of this agreement. If you do not agree to these terms, please do not use the Service.

Description of Service

Our Service provides a personal credit card tracking and management tool that allows you to:

• Track credit cards you own or have owned
• Monitor annual fees, benefits, and rewards
• View card application and closure dates
• Analyze your credit card portfolio
• Organize card information and personal notes

User Responsibilities

As a user of this Service, you agree to:

• Provide accurate and current information
• Maintain the security of your account credentials
• Use the Service only for lawful purposes
• Not share your account with others
• Not attempt to gain unauthorized access to the Service
• Not use automated systems or software to extract data from the Service

Account Security

You are responsible for maintaining the confidentiality of your account and password. You agree to notify us immediately of any unauthorized use of your account or any other breach of security.

Data Accuracy and Financial Disclaimer

Important Disclaimers:

• This Service is for informational and organizational purposes only.
• We are not financial advisors, and we do not provide financial, credit, legal, or tax advice.
• Card benefit and reward information may be outdated, incomplete, or inaccurate.
• Annual fees, credit card offers, and terms are subject to change without notice by card issuers.
• We are not affiliated with any credit card issuer or financial institution unless otherwise expressly stated.
• You must verify all information directly with your card issuers and read their terms before applying.
• We are not responsible for decisions made based on information in the Service, including decisions to apply for credit.

Affiliate Links and Monetization

We may include affiliate links, referral links, or display credit card offers within the Service. If you click on an affiliate link and apply for a product or service, Points Applied may receive compensation from the financial institution or partner at no additional cost to you. This compensation may impact how and where products appear on the Service. However, our content, recommendations, and reviews are not influenced by such compensation. We may also offer premium features or subscriptions in the future, subject to separate billing terms.

User-Generated Content

The Service allows you to add personal notes and custom credit card entries to your private account. You retain ownership of this data. However, you are solely responsible for ensuring that any uploaded content is accurate, lawful, and does not violate the rights of any third party. Points Applied assumes no liability for the content you store within your account.

Prohibited Uses

You may not use the Service to:

• Violate any applicable laws or regulations
• Infringe upon the rights of others
• Transmit harmful or malicious code
• Attempt to reverse engineer or decompile the Service
• Use the Service for commercial purposes without authorization
• Harass, abuse, or harm other users

Intellectual Property

The Service and its original content, features, and functionality are owned by Points Applied and are protected by international copyright, trademark, and other intellectual property laws. You retain ownership of the data you privately input into the Service.

Limitation of Liability

The Service is provided "as is" without warranties of any kind. We shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from your use of or inability to use the Service, including but not limited to financial losses, data loss, impacts on your credit score, or service interruptions.

Service Modifications and Termination

We reserve the right to modify, suspend, or discontinue the Service at any time without notice. We may also terminate or suspend your account for violations of these Terms or for any other reason at our discretion.

User Data and Backup

While we make reasonable efforts to protect and backup your data, you are responsible for maintaining your own backups of important information. We recommend periodically checking that your data is correct.

Indemnification

You agree to indemnify and hold harmless Points Applied, its operators, and affiliates from any claims, damages, losses, or expenses arising from your use of the Service or violation of these Terms.

Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of California, United States of America, without regard to its conflict of law provisions.

Changes to Terms

We reserve the right to update these Terms at any time. We will notify users of any material changes by updating the "Last Updated" date. Continued use of the Service after changes constitutes acceptance of the modified Terms.

Contact Information

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

Email:support@pointsapplied.com