Terms of Use
These terms govern your use of pointcrunch.ca and pointcrunch.pages.dev (the "Site"), operated by PointCrunch ("we", "us"). By using the Site you agree to them. If you do not agree, please do not use the Site.
1. Information only, not advice
The Site publishes general information and opinion about Canadian credit cards and rewards programs. It is not financial, investment, tax, legal or credit advice, and it is not tailored to your circumstances. We are not your financial advisor, broker, lender or credit-card issuer, and we do not sell, arrange or recommend financial products for compensation. Decisions about applying for, using or cancelling any credit product are yours alone. Consider speaking with a qualified professional before making them.
2. Accuracy and changes
We work from the issuers' official pages, cardholder agreements and rate sheets, and we date our screenshots and figures. Card terms, rates, fees and welcome offers change frequently and without notice, and we may not reflect a change immediately. Figures such as "value in year one" are planning estimates built on stated assumptions and are not guarantees. Always confirm the current terms directly with the issuer before applying. We may change or remove any content at any time.
3. No affiliate relationships
The Site contains no affiliate links and receives no compensation from any issuer, bank, network or comparison service for mentioning, ranking or linking to a product. Links to issuers' websites are provided for verification only. We are not responsible for the content or practices of any third-party site.
4. Third-party marks and screenshots
Card names, logos, card artwork and page screenshots belong to their respective issuers and networks and are used solely to identify and comment on the products, which we believe is fair dealing under the Copyright Act (Canada). The Site is not affiliated with, endorsed by or sponsored by any issuer. If you are a rights holder and object to a specific use, contact us and we will review it promptly.
5. Our content
Except for third-party materials, the text, research and design of the Site are owned by PointCrunch. You may read, link to and quote short excerpts of our content with attribution. You may not republish substantial portions, scrape the Site systematically, or present our content as your own without written permission.
6. Acceptable use
You agree not to interfere with the Site's operation, attempt unauthorized access, or use automated tools to copy the Site at scale. We may block access to anyone we reasonably believe is violating these terms.
7. Disclaimer of warranties
The Site is provided "as is" and "as available". To the fullest extent permitted by law, we disclaim all warranties, express or implied, including accuracy, completeness, merchantability, fitness for a particular purpose and non-infringement.
8. Limitation of liability
To the fullest extent permitted by law, PointCrunch and its operator will not be liable for any indirect, incidental, consequential, special or punitive damages, or for any loss of money, rewards, credit standing or opportunity, arising from your use of or reliance on the Site. Where liability cannot be excluded, it is limited to the greater of the amount you paid us to use the Site, which is nothing, and CAD $100.
9. Governing law
These terms are governed by the laws of the Province of Ontario and the federal laws of Canada applicable in it. Any dispute will be brought in the courts of Ontario.
10. Changes to these terms
We may update these terms from time to time. The date at the top tells you when they last changed. Continued use of the Site after a change means you accept the new terms.
11. Contact
Questions about these terms: hello@pointcrunch.ca.