Terms of Service

1. Acceptance of Terms

By accessing or using PointAlchemy (“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

PointAlchemy 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. PointAlchemy is not responsible for losses resulting from inaccurate or outdated information.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

PointAlchemy 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.

Lifetime access purchases are one-time payments granting permanent access to the subscribed tier. Lifetime access is non-transferable and non-refundable after 30 days.

6. Financial Data (Plaid)

The Service uses Plaid to connect to your financial accounts. By linking an account, you authorize Plaid to access your transaction data on your behalf and share it with PointAlchemy for the purposes described in our Privacy Policy. PointAlchemy stores your transaction data to provide optimization recommendations. You may disconnect linked accounts at any time through your settings.

7. Affiliate Links

Some credit card links on the Service are affiliate links. PointAlchemy 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. PointAlchemy 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 PointAlchemy 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, PointAlchemy 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 PointAlchemy, 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. Governing Law

These Terms are governed by the laws of the State of Arizona, without regard to its conflict of law provisions. Any disputes shall be resolved in the state or federal courts located in Arizona.

15. Contact

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