Terms Of Use

Effective date: January 16, 2026

At Pointalize, your privacy matters. This Privacy Policy explains how we collect, use, and protect information when you visit our site. By using this website, you agree to the terms outlined here.

1. Who We Are

Pointalize is operated from Germany and hosted on servers located in the EU. While our content is aimed at U.S. audiences, we comply with both European GDPR requirements and U.S. privacy and advertising standards.

Nature of Service: Pointalize provides informational tools and content related to credit cards and loyalty programs. We are not a financial institution, credit counselor, or licensed financial advisor. Our recommendations are automated and should not be considered personalized financial advice.

2. Information We Collect

When you visit Pointalize, we may collect the following information:

• Non-Personal Data (automatically collected):
  • IP address, browser type, device type, pages visited, and general usage statistics.
  • Collected via cookies, analytics tools, and server logs.
• Personal Data (if voluntarily provided):
  • Name, email address, or other details when you contact us, subscribe to a newsletter, or fill out forms.

3. How We Use Your Information

We use collected data to:

• Improve website performance and user experience.
• Analyze traffic and optimize content.
• Respond to inquiries you send through our contact page.

We do not sell or rent your personal information.

4. Cookies & Tracking

• We use cookies and similar technologies for site functionality and analytics.
• When visiting from the EU/EEA, you will see a cookie consent banner allowing you to accept or manage cookies.
• You can disable cookies at any time via your browser settings, but some parts of the site may not function properly.

5. Privacy Policy

Your privacy is important to us. Our Privacy Policy explains how we collect, use, and protect your personal data. By using this website, you also agree to the terms of our Privacy Policy, which is incorporated into these Terms of Use.

6. Third-Party Services We Use

We may use the following tools and services:

• Google Analytics (website traffic analysis)

These providers may process data outside the EU. In such cases, we ensure GDPR-compliant safeguards (e.g., Standard Contractual Clauses).

7. Your Rights (GDPR)

If you are located in the European Union, you have the right to:

• Access the personal data we hold about you.
• Request correction or deletion of your data.
• Withdraw consent for future data use.
• File a complaint with your local data protection authority.

To exercise these rights, please contact us via our Contact Page.

8. Children’s Privacy (COPPA)

Pointalize does not knowingly collect personal information from children under 13. If you believe we have inadvertently collected such data, please contact us and we will delete it.

9. Affiliate Disclosure and Editorial Policy

This website contains affiliate links, which means we may earn a commission if you click on a link and make a purchase or are approved for a product. This is a primary method we use to fund the site and keep our content free for all users.

Our commitment to editorial integrity is paramount. Our recommendations are based on our own analysis and experience, and our affiliate partnerships do not influence our content. Our full Affiliate Disclosure, which explains our partnerships and editorial standards in detail, is considered part of these Terms of Use and is incorporated herein by reference.

10. Card Recommendations and Financial Disclaimers

The credit card recommendations, point valuations, spending category suggestions, and merchant-based card recommendations provided through Pointalize (including our mobile application’s location-based features) are for informational and educational purposes only. They do not constitute financial, legal, or professional advice.

Our recommendations are algorithmically generated based on:

• Publicly available credit card information
• Point valuation estimates from third-party sources
• Your manually entered wallet data
• Merchant category codes and location data

We make no representations or warranties about the completeness, accuracy, reliability, or suitability of this information. Credit card terms, bonus offers, and merchant categorizations may change without notice and may not be reflected in our app immediately.

You are solely responsible for:

• Verifying all credit card terms directly with the issuing bank before applying
• Confirming point valuations and redemption rates
• Ensuring merchant purchases earn the expected rewards
• Making your own independent financial decisions

To the fullest extent permitted by law, Pointalize and its operators shall not be liable for any losses, damages, or adverse consequences arising from:

• Reliance on card recommendations or point valuations
• Inaccurate merchant categorization or location data
• Changes to credit card terms or offers
• Denied credit applications or unexpected fees
• Failure to earn expected rewards or bonuses

Always consult with a qualified financial advisor, accountant, or credit counselor before making significant financial decisions, especially those involving debt or major purchases.

11. Data Retention

We keep personal data only as long as necessary for the purposes described here or as required by law.

12. Security

We use reasonable technical and organizational measures to protect your data. However, no online service can guarantee complete security.

13. Changes to This Policy

We may update this Privacy Policy from time to time. The “Effective Date” at the top of the page will be updated when changes are made.

14. Contact

If you have any questions about this Privacy Policy or how your data is handled, please reach out through our Contact Page.