Terms of Service
Last updated: July 12, 2026
Beta access
PointPile is currently in invite-only private beta. Access is granted at our discretion and may be revoked at any time. The service is provided as-is during this period — features may change, data models may migrate, and uptime is not guaranteed.
What PointPile is
PointPile is a tracking and recommendation tool for card rewards: which card to use, which benefits to activate, and what value is expiring. It is not financial advice. Card benefits, earn rates, offers, and issuer rules change frequently and can differ by account — always confirm terms with your card issuer before applying for a card, making a purchase decision, or relying on a benefit.
Catalog accuracy
The benefits catalog (credits, earn rates, signup offers, quarterly categories) is researched from public issuer materials, partly with AI assistance, and may be incomplete, out of date, or wrong for your specific account. Recommendations are only as good as the catalog plus what you've recorded. Verify anything that matters with the issuer.
Your data
You retain ownership of the data you enter — your portfolio, usage marks, and application history. We claim no rights to it. See the Privacy Policy for how it is stored and used.
Acceptable use
Use PointPile for its intended purpose: tracking and optimizing your own household's card rewards. Do not attempt to access other households' data, probe or disrupt the service, or scrape the catalog.
Limitation of liability
PointPile is provided without warranty. We are not liable for missed credits, expired benefits, denied applications, annual fees, or any damages arising from use of the service or reliance on its recommendations.
Contact
Questions about these terms? Reach out at [email protected].