Terms of Service

Last updated: March 2026

Welcome to Points & Pacifiers! By accessing or using our website and subscribing to our newsletter, you agree to these Terms of Service. Please read them carefully.

1. Acceptance of Terms

By using our website or subscribing to our newsletter, you agree to be bound by these Terms. If you don't agree, please don't use our services.

2. What We Offer

Points & Pacifiers provides:

Educational content about travel hacking and credit card rewards
A free newsletter with tips, strategies, and deal alerts
Calculators and tools for planning travel rewards
Links to third-party products and services

3. Not Financial or Legal Advice

Important: We are not financial advisors, lawyers, or licensed professionals. Our content is for educational and entertainment purposes only.

We share our personal experiences and opinions
Credit card strategies depend on your individual financial situation
Always do your own research before applying for credit cards
Consult a financial advisor for personalized advice

You are solely responsible for your financial decisions.

4. Credit Card Information

Credit card terms, bonuses, and benefits change frequently. We try to keep information current, but:

Always verify current terms on the card issuer's website
Approval is not guaranteed — it depends on your creditworthiness
Annual fees, interest rates, and benefits are subject to change
We are not responsible for changes made by card issuers

5. Affiliate Links

We earn commissions when you apply for credit cards or purchase products through our links. See our Affiliate Disclosure for details. This doesn't affect our recommendations — we only share products we'd use ourselves.

6. Intellectual Property

All content on Points & Pacifiers — including text, graphics, logos, and images — is our property or used with permission. You may not:

Copy, reproduce, or distribute our content without permission
Use our trademarks or branding
Scrape or extract data from our site

You may share links to our content and quote brief excerpts with attribution.

7. User Conduct

When using our site or interacting with us, you agree not to:

Violate any laws or regulations
Submit false or misleading information
Interfere with site operation or security
Use automated systems to access our site
Harass, spam, or abuse other users or us

8. Third-Party Links

Our site contains links to third-party websites (credit card issuers, booking sites, etc.). We are not responsible for their content, policies, or practices. Use them at your own risk.

9. Disclaimer of Warranties

Our site and content are provided "as is" without warranties of any kind. We don't guarantee:

Accuracy or completeness of information
That the site will be error-free or uninterrupted
Any specific results from using our strategies

10. Limitation of Liability

To the fullest extent permitted by law, Points & Pacifiers and its owners shall not be liable for any indirect, incidental, or consequential damages arising from your use of our site or content.

11. Changes to Terms

We may update these Terms at any time. Continued use after changes constitutes acceptance of the new Terms.

12. Governing Law

These Terms are governed by the laws of Illinois, USA, without regard to conflict of law principles.

13. Contact

Questions? Email us at hello@pointsandpacifiers.com.