Disclaimer, Terms of Use & Limitation of Liability

By accessing or using PointsPilot (the “Service”), you agree to be bound by these Terms of Use and the disclaimers below. If you do not agree, you may not use the Service. Continued use after any change to these terms constitutes acceptance of the updated terms.

PointsPilot is an informational and decision-support tool. It surfaces publicly available flight inventory and publicly available transfer ratios between credit card rewards programs and airline loyalty programs, and presents them in a ranked list to help you compare redemption options.

• PointsPilot is not a travel agency, ticketing agent, seller of travel, or booking platform.
• PointsPilot does not hold, transfer, redeem, or have custody of any credit card points, airline miles, or other loyalty currency.
• PointsPilot does not book, issue, or guarantee any airline ticket or reservation.
• PointsPilot is not affiliated with, endorsed by, or sponsored by any credit card issuer, bank, airline, loyalty program, or alliance referenced on the Service. All trademarks and program names are the property of their respective owners and are used solely for identification.
• All transfers of points and all bookings occur entirely in the third party's own systems, under that third party's terms and conditions, between you and that third party.

Nothing on the Service constitutes financial, investment, tax, legal, or professional travel advice. Decisions about transferring points, booking flights, or otherwise using your loyalty currencies are solely your own. You are responsible for understanding the terms of your credit card agreement, your loyalty program memberships, and the fare rules and ticketing conditions of any airline you transact with.

Flight availability, fares, taxes, fuel surcharges, award pricing, transfer ratios, transfer bonuses, transfer processing times, and program rules are set by third parties and change frequently and without notice. PointsPilot relies on third-party APIs and publicly available information that may be incomplete, delayed, cached, mis-mapped, or wrong. You must independently verify all pricing, availability, and ratios inside the issuer and airline portals before initiating a transfer or booking. Numbers shown on PointsPilot are estimates, not quotes or offers.

Once you transfer points from a credit card rewards program to an airline loyalty program, that transfer is generally final and non-reversible by you, by the issuer, by the airline, or by PointsPilot. Award seats can become unavailable between the time you initiate a transfer and the time the miles arrive in the airline account. PointsPilot has no ability to recover, refund, restore, top up, compensate for, or otherwise remediate transferred points, stranded miles, lost award availability, devaluations, account closures, account freezes, fraud holds, program rule changes, or any related consequence. You assume full and sole responsibility for any transfer you initiate.

The Service contains links to third-party sites (issuer portals, airline booking pages, etc.). PointsPilot does not control and is not responsible for the availability, content, accuracy, security, policies, practices, or terms of any third-party site or service. Your interactions with any third party — including any purchase, transfer, enrollment, or dispute — are solely between you and that third party.

You agree to provide accurate information, to keep your login credentials confidential, and to use the Service only for lawful, personal, non-commercial purposes. You will not scrape, reverse engineer, resell, or build competing services from the Service or its outputs. You will not use the Service in any way that violates the terms of any credit card rewards program, airline loyalty program, or applicable law.

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE,” WITH ALL FAULTS AND WITHOUT WARRANTY OF ANY KIND. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, POINTSPILOT AND ITS OWNERS, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, CONTRACTORS, LICENSORS, AND SUPPLIERS (COLLECTIVELY, THE “RELEASED PARTIES”) DISCLAIM ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING WITHOUT LIMITATION ANY WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, AVAILABILITY, UNINTERRUPTED OR ERROR-FREE OPERATION, OR THAT DEFECTS WILL BE CORRECTED.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL ANY OF THE RELEASED PARTIES BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUES, DATA, GOODWILL, POINTS, MILES, AWARD AVAILABILITY, TRAVEL OPPORTUNITY, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR RELATED TO YOUR USE OF, OR INABILITY TO USE, THE SERVICE — EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. WITHOUT LIMITING THE FOREGOING, THE RELEASED PARTIES' TOTAL AGGREGATE LIABILITY ARISING OUT OF OR RELATED TO THE SERVICE WILL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID TO POINTSPILOT IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM, OR (B) ONE HUNDRED U.S. DOLLARS ($100). SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES, SO SOME OF THE ABOVE MAY NOT APPLY TO YOU; IN THOSE JURISDICTIONS, OUR LIABILITY IS LIMITED TO THE MAXIMUM EXTENT PERMITTED BY LAW.

You hereby release, waive, and forever discharge the Released Parties from any and all claims, demands, actions, causes of action, suits, damages, losses, costs, and expenses (including attorneys' fees) of any kind, whether known or unknown, that you may have arising out of or related to (a) any transfer of points or miles you initiate; (b) any booking or attempted booking with any airline or travel provider; (c) any changes to, devaluation of, or rule changes within any rewards program; (d) any action taken or not taken by any issuer, airline, alliance, or other third party; and (e) any reliance on information provided by the Service.

You agree to indemnify, defend, and hold harmless the Released Parties from and against any and all third-party claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or related to your use of the Service, your violation of these Terms, or your violation of any law or the rights of any third party.

These Terms are governed by the laws of the State of Delaware, U.S.A., without regard to its conflict-of-laws principles. Any dispute arising out of or relating to the Service or these Terms will be resolved exclusively by binding individual arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules, in the English language, seated in Wilmington, Delaware. You and PointsPilot each waive any right to a jury trial and any right to bring or participate in a class, collective, or representative action. Notwithstanding the foregoing, either party may bring a claim in small-claims court if it qualifies.

PointsPilot may modify, suspend, or discontinue the Service, or these Terms, at any time and without notice. PointsPilot may terminate or suspend your access at any time, with or without cause.

If any provision of these Terms is held unenforceable, the remaining provisions will remain in full effect. These Terms, together with the Privacy Policy, constitute the entire agreement between you and PointsPilot regarding the Service.

Questions about these Terms can be sent to the address shown in the Service's footer or settings page.