PointsGeek
Legal

Terms of Service

Effective May 9, 2026

These Terms of Service (the “Terms”) form a binding agreement between you and PointsGeek (“PointsGeek,” “we,” “us,” or “our”) and govern your access to and use of the PointsGeek website at pointsgeek.xyz, the PointsGeek browser extension, and any related products, features, or services (collectively, the “Services”). By accessing or using the Services, you agree to be bound by these Terms and our Privacy Policy. If you do not agree, do not use the Services.

1. Eligibility

You must be at least 13 years old (or the equivalent minimum age in your jurisdiction) to use the Services. By using the Services, you represent that you meet these requirements and that you have the legal capacity to enter into these Terms. If you are using the Services on behalf of an organization, you represent that you have authority to bind that organization to these Terms, and references to “you” include both you and that organization.

2. Accounts

You may need to create an account to use certain features of the Services. You agree to provide accurate, complete, and current information; to maintain the security and confidentiality of your account credentials; and to be responsible for all activity that occurs under your account. You agree to notify us promptly of any unauthorized use of your account.

3. The Browser Extension

The PointsGeek browser extension reads loyalty and rewards balance information from supported financial websites at which you are independently logged in, and transmits that information to PointsGeek so it can be displayed in your dashboard. The extension does not access bank passwords, full payment card numbers, or other credentials.

You acknowledge and agree that:

  • You are solely responsible for your use of, and your relationship with, the third-party websites the extension interacts with, including compliance with their terms of service.
  • The accuracy and availability of balance information depends on the third-party websites and is provided “as is.” Programs may change their websites, APIs, or terms at any time, which may affect the extension’s ability to read or display balances.
  • The list of supported programs and the data the extension reads may change over time. We may add, remove, or modify supported programs at our discretion.

4. Acceptable Use

You agree not to:

  • Use the Services for any unlawful purpose or in violation of any applicable law, regulation, or third-party right;
  • Interfere with, disrupt, or place an unreasonable load on the Services or any servers, networks, or systems used to provide them;
  • Attempt to gain unauthorized access to any portion of the Services, other accounts, or related systems;
  • Probe, scan, reverse-engineer, decompile, disassemble, or otherwise attempt to derive the source code of the Services, except as expressly permitted by law;
  • Use the Services to send spam or unsolicited messages;
  • Use any robot, scraper, data-mining tool, or similar automated means to access or extract data from the Services, except as expressly authorized by us;
  • Misrepresent your identity or affiliation, or use another person’s account or credentials without authorization; and
  • Use the Services in any manner that could damage, disable, overburden, or impair the Services or interfere with any other party’s use of the Services.

5. License to Use the Services

Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use the Services for your personal, non-commercial use. We reserve all rights not expressly granted.

6. Intellectual Property

The Services, including all software, text, graphics, logos, designs, and other content (excluding third-party content and user-supplied information), are owned by PointsGeek or its licensors and are protected by intellectual property laws. The PointsGeek name, logo, and related marks are trademarks of PointsGeek. You may not use them without our prior written permission.

All third-party trademarks, service marks, logos, and trade names referenced in the Services are the property of their respective owners. Their appearance in the Services does not imply any sponsorship, endorsement, or affiliation.

7. Feedback

If you provide us with feedback, suggestions, or ideas about the Services, you grant us a worldwide, perpetual, irrevocable, royalty-free, sublicensable, and transferable license to use, reproduce, modify, and incorporate that feedback for any purpose without obligation to you.

8. Third-Party Services

The Services may interact with, link to, or depend on third-party websites, applications, APIs, or services, including the financial websites the extension reads from, identity providers, email delivery services, hosting services, and others. We do not control these third parties and are not responsible for their content, availability, accuracy, terms, or privacy practices. Your use of any third-party service is at your own risk and governed by the terms and policies of that third party.

9. Privacy

Our collection and use of information about you is described in our Privacy Policy, which is incorporated into these Terms by reference.

10. Modifications to the Services and Terms

We may modify, suspend, or discontinue any part of the Services at any time, with or without notice. We may also update these Terms from time to time. When we make material changes, we will update the “Effective” date at the top of this page and may provide additional notice. Your continued use of the Services after any update constitutes your acceptance of the updated Terms.

11. Termination

You may stop using the Services at any time and may delete your account through the methods made available within the Services or as described on our website. We may suspend or terminate your access to the Services, with or without notice, for any reason, including if we believe you have violated these Terms or applicable law, or to protect the Services, our users, or third parties.

Provisions that by their nature should survive termination will survive, including ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

12. No Financial Advice

The Services are provided for informational and personal-finance convenience purposes only. Nothing in the Services constitutes financial, investment, tax, accounting, legal, or other professional advice. Loyalty program balances and related information are derived from third-party websites and may be inaccurate, out of date, or incomplete. You are solely responsible for verifying balances and any decisions you make based on the Services.

13. Disclaimers

THE SERVICES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY LAW, POINTSGEEK DISCLAIMS ALL WARRANTIES, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS, OR THAT ANY DATA OR BALANCES DISPLAYED THROUGH THE SERVICES WILL BE ACCURATE, COMPLETE, OR CURRENT.

14. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, POINTSGEEK AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND SUPPLIERS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, DATA, GOODWILL, OR LOYALTY-PROGRAM BALANCES OR REWARDS, WHETHER BASED IN CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR OTHERWISE, ARISING OUT OF OR RELATED TO YOUR USE OF, OR INABILITY TO USE, THE SERVICES, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

TO THE FULLEST EXTENT PERMITTED BY LAW, POINTSGEEK’S TOTAL CUMULATIVE LIABILITY ARISING OUT OF OR RELATED TO THESE TERMS OR THE SERVICES WILL NOT EXCEED THE GREATER OF (A) THE AMOUNTS YOU PAID TO POINTSGEEK FOR THE SERVICES IN THE TWELVE (12) MONTHS BEFORE THE EVENT GIVING RISE TO THE LIABILITY OR (B) ONE HUNDRED U.S. DOLLARS (US$100). SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES; IN THOSE JURISDICTIONS, OUR LIABILITY IS LIMITED TO THE GREATEST EXTENT PERMITTED.

15. Indemnification

You agree to indemnify, defend, and hold harmless PointsGeek and its officers, directors, employees, agents, and affiliates from and against any claims, losses, damages, liabilities, costs, and expenses (including reasonable attorneys’ fees) arising out of or related to: (i) your use of the Services; (ii) your violation of these Terms; (iii) your violation of any law or third-party right, including any third-party website’s terms of service; or (iv) any content or information you submit through the Services.

16. Governing Law and Dispute Resolution

These Terms are governed by the laws of the State of California, United States, without regard to its conflict-of-laws principles. Subject to the following sentence, you and PointsGeek agree to the exclusive jurisdiction of the state and federal courts located in San Francisco County, California, for any dispute not subject to arbitration or small-claims court. To the extent permitted by law, any dispute arising out of or related to these Terms or the Services may, at the election of either party, be resolved by binding individual arbitration administered by a recognized arbitration provider; class actions and class arbitrations are not permitted.

17. Changes to These Terms

We may update these Terms from time to time. When we make material changes, we will update the “Effective” date above and may provide additional notice. Your continued use of the Services after the effective date of any update constitutes your acceptance of the updated Terms.

18. Miscellaneous

  • Entire agreement. These Terms and our Privacy Policy constitute the entire agreement between you and PointsGeek regarding the Services and supersede any prior agreements.
  • Severability. If any provision of these Terms is held to be invalid or unenforceable, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will continue in full force.
  • No waiver. Our failure to enforce any right or provision of these Terms is not a waiver of that right or provision.
  • Assignment. You may not assign these Terms without our prior written consent. We may assign these Terms freely.
  • Notices. We may provide notices to you by email, in-product notice, or by posting them on the Services. You may provide notices to us by emailing pointsgeekxyz@gmail.com.

19. Contact Us

If you have questions about these Terms, please email us at pointsgeekxyz@gmail.com.