By using Mostly Points, you agree to these Terms. If you do not agree, please do not use the site.
Educational information only
Mostly Points provides general educational and informational content. It does not provide individualized financial, credit, legal, tax, investment, or travel advice and does not create a professional-client relationship.
No guarantee of accuracy or availability
We work to provide useful and accurate information, but rewards programs, prices, award availability, transfer ratios, credit-card offers, fees, benefits, laws, and policies can change without notice. Content and tools may contain errors or become outdated. Always verify important information with the issuer, loyalty program, travel provider, or other primary source before acting.
Credit decisions and financial responsibility
You are responsible for deciding whether to apply for or use any financial product. Approval, credit limits, eligibility, credit-score effects, tax treatment, and financial outcomes are not guaranteed. Do not take on debt or pay avoidable interest for rewards.
Calculators and estimates
Calculator results, point valuations, rankings, maps, and examples are estimates based on the information entered and the assumptions described. They are not promises of value, availability, savings, or return.
External links
Mostly Points links to third-party websites for convenience. We do not control those sites and are not responsible for their content, availability, security, products, services, or privacy practices. Some links may compensate Mostly Points as explained in the Affiliate Disclosure.
Intellectual property
Unless otherwise stated, Mostly Points content, branding, original tools, and original site materials are owned by Mostly Points and protected by applicable law. You may use the site for personal, noncommercial purposes. Republishing, scraping for commercial reuse, selling, or materially reproducing the content without permission is prohibited.
Acceptable use
You may not misuse the site, attempt unauthorized access, interfere with its operation, introduce malicious code, impersonate another person, or use the site in violation of law.
Disclaimer and limitation of liability
The site is provided “as is” and “as available” without warranties to the fullest extent permitted by law. To the fullest extent permitted by law, Mostly Points will not be liable for indirect, incidental, special, consequential, or punitive damages, or for losses arising from reliance on site content, third-party services, points transfers, applications, bookings, or account decisions.
Changes and contact
We may update these Terms or modify the site at any time. Continued use after an update means you accept the revised Terms. Questions can be sent through the contact page.