LEGAL

Terms and Conditions

Last updated: April 30, 2026

1. Acceptance of these Terms

By accessing or using The Points Planner (the "Service"), including our website at thepointsplanner.com and any related features, you agree to be bound by these Terms, our Privacy Policy, and our Licenses and Disclosures. If you do not agree, do not use the Service.

2. The service we provide

The Points Planner helps individual credit card holders track card benefits, monitor transferable points balances, receive alerts about transfer bonuses, and see information about how to transfer or redeem points through the relevant loyalty programs. The Service is provided on a subscription basis through a website accessible at thepointsplanner.com.

The Service is an informational tool only. We are not a travel agency, financial advisor, credit card issuer, or loyalty program operator. All bookings, point transfers, and credit card applications happen on the websites of the applicable third parties, under their terms.

3. Eligibility

You must be at least 18 years old and able to form a legally binding contract to use the Service. The Service is intended for users in the United States. We do not actively market to users outside the U.S., and we may decline to provide the Service in jurisdictions where doing so would violate applicable law. By using the Service, you represent that you meet these requirements.

4. Your account

To use most features of the Service, you must create an account with a valid email address and password. You are responsible for:

• Providing accurate information at signup and keeping it up to date.
• Maintaining the confidentiality of your password.
• All activity that occurs under your account.

Notify us promptly at contact@thepointsplanner.com if you suspect unauthorized access to your account. We are not liable for losses caused by unauthorized account use that occurs before you notify us.

5. Subscriptions, billing, and refunds

5.1 Plans

The Service offers a free tier and paid subscription tiers (currently "Pro" at $5.99/month or $54/year, and a limited "Founding Member" tier at $39/year). Plan details and current pricing appear on our pricing section and may change from time to time; any change will apply only to new subscriptions or renewals after notice is provided.

5.2 Billing

Paid subscriptions are billed in advance through our payment processor, Stripe. By subscribing, you authorize us (through Stripe) to charge your selected payment method at the start of each billing period.

Your subscription renews automatically at the end of each billing period (monthly or annually, depending on the plan you chose) at the then-current price for your plan, until you cancel. You can cancel at any time from your account settings. Cancellation takes effect at the end of the current billing period; you will continue to have access to paid features until then.

5.3 Founding Member rate lock

The Founding Member plan is offered to a limited number of subscribers (currently capped at 50). Once the cap is reached, the Founding Member tier may close to new subscribers; we reserve the right to close, expand, or modify the tier at our discretion.

The Founding Member plan locks the subscription rate at $39/year for as long as the subscription remains continuously active. If the subscription lapses, is cancelled, or is terminated for any reason (including failed payment), the Founding Member rate is forfeited, and any re-subscription will be at the then-current standard rates.

5.4 No refunds

All sales are final. We do not provide refunds or credits for partial subscription periods, unused portions of a subscription, or for downgrades. You can cancel at any time to prevent future charges. Nothing in this section limits rights you may have under applicable law that cannot be waived by contract; we may, in our sole discretion and without creating any precedent, issue a refund in exceptional cases.

5.5 Taxes

Subscription prices do not include taxes. You are responsible for any applicable sales, use, or similar taxes.

6. Acceptable use

You agree not to:

• Use the Service for any unlawful purpose or in violation of any third-party rights.
• Scrape, reverse-engineer, or attempt to extract source code from the Service, except to the extent expressly permitted by law.
• Interfere with or disrupt the Service, including by sending automated requests at a volume greater than a normal user would.
• Share your account credentials, resell access to the Service, or let multiple people use one account.
• Use the Service to distribute malware, spam, phishing content, or other harmful material.
• Misrepresent your identity or affiliation with any person or entity.
• Attempt to bypass any security or access control.

7. Our intellectual property

The Service, including its design, code, text, graphics, logos, and the selection and arrangement of content, is owned by The Points Planner LLC or its licensors and is protected by copyright, trademark, and other intellectual-property laws. We grant you a limited, personal, non-exclusive, non-transferable, revocable license to access and use the Service for your own personal use, including managing credit cards held in your own name (whether personal or business), subject to these Terms.

Names like "Amex," "Chase," "Capital One," "Citi," "Bilt," airline names, hotel chain names, and loyalty program names are trademarks of their respective owners and are used in the Service for descriptive purposes only. The Points Planner is not affiliated with, endorsed by, or sponsored by any of these companies unless expressly stated.

8. Your content

When you use the Service, you may enter information such as the credit cards you hold, the point balances you want to track, trip preferences, and notes. You retain ownership of all such content. You grant us a worldwide, royalty-free, non-exclusive license to host, process, and display this content solely to provide the Service to you.

You represent that you have the right to share any content you enter and that it does not violate anyone else's rights.

9. Third-party services and links

The Service relies on third-party providers, including Stripe (payments), Supabase (database and authentication), Resend (transactional email), Netlify (hosting), and Cloudflare (DNS and delivery). Your use of these providers is subject to their own terms.

The Service may also include links to third-party websites (such as credit card issuer application pages, loyalty program portals, or hotel and airline booking sites). We don't control those sites and aren't responsible for their content, terms, or privacy practices. Some of these links may be personal referral links that earn us a small reward if you sign up (see our Licenses and Disclosures). These referral relationships do not influence which cards or partners we recommend.

10. Disclaimers

The Service is provided "as is" and "as available," without warranties of any kind, express or implied. To the maximum extent permitted by law, we disclaim all warranties, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

The Points Planner is an informational tool. We do not guarantee:

• That any transfer bonus, promotion, redemption rate, or benefit will be available when you try to use it.
• The accuracy, completeness, or timeliness of any point valuation, benefit description, or transfer-partner information.
• That any reward-seat, hotel night, or transfer partner availability shown in the Service will still be available when you attempt to book.
• That loyalty programs, credit card issuers, or booking partners will not change their rules, rates, or availability at any time.

Nothing in the Service is financial, tax, legal, or travel advice. You are solely responsible for decisions you make about credit cards, loyalty programs, and travel bookings.

11. Limitation of liability

To the maximum extent permitted by law, The Points Planner LLC and its owners, employees, and agents will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, data, goodwill, points, miles, or reward availability, arising out of or relating to your use of the Service.

Our total aggregate liability for any claim arising out of or relating to the Service or these Terms will not exceed the greater of (a) the amount you paid us for the Service in the twelve (12) months before the event giving rise to the claim, or (b) one hundred US dollars (USD $100).

Some jurisdictions don't allow certain limitations of liability, so some of the above may not apply to you.

12. Indemnification

You agree to indemnify and hold harmless The Points Planner LLC, its owners, employees, and agents from and against any claims, damages, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or relating to your violation of these Terms, your misuse of the Service, or your violation of any third-party rights.

13. Termination

You may stop using the Service at any time and cancel any paid subscription through your account settings. We may suspend or terminate your access to the Service, with or without notice, if we reasonably believe you have violated these Terms, if required by law, or if we discontinue the Service. Sections that by their nature should survive termination (including intellectual-property, disclaimers, limitation of liability, indemnification, and dispute resolution) will survive.

14. Dispute resolution and arbitration

14.1 Informal resolution first

Before filing any claim, you agree to try to resolve the dispute informally by contacting us at contact@thepointsplanner.com. We'll do the same. If we can't resolve the dispute within 30 days, either party may start a formal proceeding.

14.2 Binding arbitration

Any dispute arising out of or relating to these Terms or the Service will be resolved by binding arbitration administered by JAMS under its Streamlined Arbitration Rules, rather than in court, except as set out in Section 14.3. The arbitration will take place in the state where The Points Planner LLC is organized, or by video conference, at the arbitrator's discretion. The arbitrator's decision is final and enforceable in any court of competent jurisdiction.

14.3 Small-claims carve-out

Either party may bring an individual claim in small-claims court in the county where the defendant resides or is organized, if the claim qualifies for small-claims jurisdiction.

14.4 Class-action waiver

You and The Points Planner agree to bring claims only on an individual basis, not as a plaintiff or class member in any purported class, collective, consolidated, or representative proceeding. The arbitrator may not consolidate more than one person's claims or preside over any form of representative action.

14.5 Opt-out

You may opt out of the arbitration and class-action waiver provisions in Sections 14.2 and 14.4 by emailing contact@thepointsplanner.com within 30 days of first accepting these Terms, with "Arbitration Opt-Out" in the subject line. If you opt out, disputes will be resolved in the courts described in Section 16.

15. Changes to these Terms

We may update these Terms from time to time. If we make a material change, we'll give you reasonable notice (for example, by email or a notice in the Service) before the change takes effect. Your continued use of the Service after the effective date constitutes acceptance of the updated Terms.

16. Miscellaneous

• Governing law. These Terms are governed by the laws of the state where The Points Planner LLC is organized, without regard to conflict-of-laws principles.
• Entire agreement. These Terms, together with the Privacy Policy and Licenses and Disclosures, are the entire agreement between you and us regarding the Service.
• No waiver. Our failure to enforce any provision is not a waiver of that provision.
• Severability. If any provision is found unenforceable, the remaining provisions remain in full effect.
• Assignment. You may not assign these Terms without our written consent. We may assign these Terms in connection with a merger, acquisition, or sale of assets.
• No third-party beneficiaries. These Terms don't create any third-party beneficiary rights.

17. Contact

Questions about these Terms? Email contact@thepointsplanner.com.

The Points Planner LLC
447 Sutter St, Ste 506 - 1013
San Francisco, CA 94108
United States