Terms Of Use

Pointalize Terms of Use

Effective date: November 7, 2026

These Terms of Use (“Terms”) govern your use of pointalize.com (and related Pointalize-branded site hosts we operate), the Pointalize mobile applications, and related services we operate (collectively, the “Services”). By using the Services, you agree to these Terms.

1. Who we are

Pointalize is operated by Phillip Rosenheinrich from Munich, Germany. Contact details are on the Imprint and Contact pages.

2. What Pointalize is (and is not)

Pointalize provides informational tools for organizing credit-card rewards: wallet tracking, benefit progress, point valuations, optional reminders, calculators, guides, hubs, compare pages, and related educational content. We are not a bank, lender, credit counselor, or licensed financial advisor. Nothing in the Services is personalized financial, legal, or tax advice.

We do not apply for cards or offers on your behalf, automate issuer applications, or complete bank or card applications for you.

3. Accounts and eligibility

Some features require an account (for example magic-link, Google, or Apple sign-in). You must provide accurate information and keep your login credentials under your control. You are responsible for activity under your account.

4. Acceptable use

Do not misuse the Services, attempt unauthorized access, or disrupt infrastructure.
Do not scrape or republish substantial content in ways that violate law or these Terms.
Do not use the Services for unlawful activity.

5. Card data and recommendations

Card details, bonuses, and valuations can change without notice. You must verify terms with the issuer before applying or spending. Category-based Finder suggestions and other estimates are informational only. We do not guarantee approval, rewards earning, or redemption value.

6. Subscriptions (Pointalize Pro)

Optional paid features may be billed through Apple App Store or Google Play under their terms, or through Stripe when you upgrade on the web while signed in. Manage or cancel App Store / Play subscriptions in those store account settings. Manage web Stripe billing through the signed-in upgrade flow or Stripe customer tools where available. Website copy describing Pro is informational; the live store listing or web checkout controls price and renewal.

7. Affiliate links

Some links are affiliate links. We may earn a commission if you apply or purchase through them, at no extra cost to you. See the Affiliate Disclosures.

8. Privacy and cookies

How we handle personal data is described in the Privacy Policy, which forms part of these Terms.

The website uses essential cookies for security, sign-in, checkout, and the contact form, and a consent banner for that choice. Page views and simple on-site actions are counted with PureMetrix without cookies. Within one day the same browser can be told apart; not across days. We do not use advertising cookies on this site.

9. Intellectual property

The Services, branding, and original content are owned by Pointalize / Phillip Rosenheinrich or our licensors. You may not copy or redistribute them except as allowed by law or with permission.

10. Disclaimers

The Services are provided “as is” and “as available.” To the fullest extent permitted by law, we disclaim warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant uninterrupted or error-free operation.

11. Limitation of liability

To the fullest extent permitted by law, Pointalize and its operator are not liable for indirect, incidental, special, consequential, or punitive damages, or for lost profits, data, or rewards value arising from your use of the Services or reliance on any estimate or recommendation.

12. Governing law

These Terms are governed by the laws of the Federal Republic of Germany, without regard to conflict-of-law rules. Mandatory consumer protections in your country of residence remain unaffected where applicable.

13. Withdrawal (Pointalize Pro on the web)

If you are a consumer in the European Economic Area and you buy Pointalize Pro on this website through Stripe, you may withdraw from that contract within 14 days without giving a reason. The period starts on the day the contract is concluded. Email a clear statement to privacy@pointalize.com. You do not need a special form.

If you asked us to start the paid service before the withdrawal period ends and you then withdraw, you owe a proportionate amount for the service already provided. Purchases through the Apple App Store or Google Play are contracts with that store. Refunds for those purchases follow the store’s process, not this website withdrawal.

14. Changes

We may update these Terms and change the effective date above. For a material change to an existing paid subscription, we will point to the update in the app or by email when we have an address. Mandatory consumer rights remain in force.

15. Contact

Questions about these Terms: privacy@pointalize.com or the Contact page.

These Terms are provided for transparency and do not constitute legal advice.