Terms of Service

1. Acceptance of Terms

By accessing or using PointBagel (“the Service”), you agree to be bound by these Terms of Service. If you do not agree, do not use the Service. We may update these terms at any time; continued use after changes constitutes acceptance.

2. Description of Service

PointBagel is a credit card points and miles portfolio management and optimization platform. The Service provides tools for tracking reward balances, analyzing transaction earning rates, comparing credit cards, and estimating point redemption values.

3. Disclaimer of Accuracy

Point valuations, cents-per-point (CPP) estimates, transfer ratios, earning rates, welcome offers, and card benefits displayed on the Service are based on our own research and analysis. They are estimates and are not guaranteed to be accurate, complete, or current.

Credit card issuers, airlines, and hotel programs may change their terms, rates, and partnerships at any time without notice. Always verify current terms directly with your card issuer or loyalty program before making transfer, redemption, or application decisions. PointBagel is not responsible for losses resulting from inaccurate or outdated information.

4. Account Registration

You must provide accurate, current information when creating an account. You are responsible for maintaining the confidentiality of your credentials and for all activity under your account. You must be at least 18 years old to use the Service.

5. Subscription and Billing

PointBagel offers free and paid subscription tiers. Paid subscriptions are billed through Stripe. By subscribing, you authorize recurring charges at the selected interval (monthly or annually). You may cancel at any time through your account settings; access continues through the end of the current billing period. Refunds are handled on a case-by-case basis.

6. Financial Data (Plaid)

The Service uses Plaid to connect to your financial accounts. By linking an account, you authorize Plaid to access your credit card transaction data on your behalf and share it with PointBagel for the purposes described in our Privacy Policy. PointBagel stores this transaction data to provide optimization recommendations. You may disconnect linked accounts at any time through your settings, or revoke Plaid's access at any time via the Plaid Portal at my.plaid.com.

By connecting a financial account through Plaid, you also agree to Plaid's End User Privacy Policy. Your authorization remains valid for up to 12 months from your most recent authorization. Before the authorization expires, we will ask you to re-authorize the connection in order to keep syncing transactions. If you revoke access or allow your authorization to expire, we will stop accessing Plaid data and delete the transaction history and linked-card records associated with that connection as described in our Data Retention Policy.

Not a Consumer Report.PointBagel does not use Plaid data, in whole or in part, to make eligibility determinations for credit, insurance, employment, housing, or any other purpose that would cause the Service to be considered a “consumer report” under the federal Fair Credit Reporting Act (FCRA) or any similar state law. The Service provides rewards optimization informational tools only. You agree not to use the Service for any FCRA-covered purpose.

7. Affiliate Links

Some credit card links on the Service are affiliate links. PointBagel may receive compensation if you apply for a card through these links. Affiliate relationships do not influence our recommendations, which are generated algorithmically based on your spending patterns and card benefits.

8. Not Financial Advice

The Service provides informational tools and estimates, not financial, investment, tax, or legal advice. Credit card applications affect your credit score. Consult a qualified financial professional before making financial decisions. PointBagel is not a financial advisor, credit counselor, or fiduciary.

9. Intellectual Property

All content, features, and functionality of the Service (including software, text, algorithms, and design) are owned by PointBagel and protected by copyright and other intellectual property laws. You may not copy, modify, distribute, or reverse-engineer any part of the Service.

10. Prohibited Conduct

You agree not to:

• Use the Service for any unlawful purpose
• Attempt to gain unauthorized access to the Service or its systems
• Scrape, crawl, or use automated tools to extract data from the Service
• Interfere with or disrupt the Service's infrastructure
• Share your account with third parties or create multiple accounts

11. Limitation of Liability

To the maximum extent permitted by law, PointBagel shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or data, arising from your use of the Service. Our total liability for any claim shall not exceed the amount you paid for the Service in the 12 months preceding the claim.

12. Indemnification

You agree to indemnify and hold harmless PointBagel, its officers, and employees from any claims, damages, or expenses arising from your use of the Service or violation of these Terms.

13. Account Termination

You may delete your account at any time through settings. We may suspend or terminate your account for violation of these Terms. Upon termination, your data will be deleted in accordance with our Privacy Policy.

14. Disclaimer of Warranties

The Service is provided on an “as is” and “as available” basis. PointBagel makes no warranties, express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, title, or non-infringement. We do not warrant that the Service will be uninterrupted, error-free, or that any data will be accurate or complete.

15. Refund Policy

If you purchase a subscription and request a refund within 24 hours of your initial purchase, we will provide a full refund. After 24 hours, all subscription payments are non-refundable. You may cancel your subscription at any time through your account settings, and you will retain access through the end of your current billing period.

16. Dispute Resolution and Arbitration

You and PointBagel agree that any dispute, claim, or controversy arising out of or relating to these Terms or the Service shall be resolved through binding individual arbitration, rather than in court, except that either party may seek injunctive or equitable relief in court for intellectual property disputes. Arbitration shall be administered under the rules of the American Arbitration Association and take place in Arizona. The arbitrator's decision shall be final and binding.

Class Action Waiver: You agree that any dispute resolution proceedings will be conducted only on an individual basis and not as part of a class, consolidated, or representative action. You waive any right to participate in a class action lawsuit or class-wide arbitration against PointBagel.

17. Force Majeure

PointBagel shall not be liable for any delay or failure in performance resulting from events beyond our reasonable control, including but not limited to natural disasters, internet outages, third-party service failures (including Plaid, Stripe, or hosting providers), government actions, or cyberattacks.

18. Changes to These Terms

We may update these Terms from time to time. We will notify you of material changes by posting the updated Terms on this page with a new effective date and, where appropriate, by email. Continued use of the Service after changes take effect constitutes acceptance of the updated Terms.

19. Governing Law

These Terms are governed by the laws of the State of Arizona, without regard to its conflict of law provisions. For disputes not subject to arbitration, any legal action shall be brought in the state or federal courts located in Arizona.

20. Contact

Questions about these Terms may be directed to legal@pointbagel.com.