Terms of Service

What the service does

minmaxyourpoints™ is a credit-card rewards optimizer. You manually enter the cards you have and your approximate spending, and we show you which card to use in which category, plan trips against your current points balance, and surface sign-up bonuses you might miss. Nothing is synced from your bank.

Trademark

“minmaxyourpoints” and the associated logo are unregistered trademarks of Geon Yoo. Use of the mark without permission is not authorized.

Not financial advice

The recommendations, card rankings, points valuations, and other outputs of the Service are informational only. They are not financial advice, tax advice, legal advice, or an endorsement of any specific card. We are not your financial advisor. Decisions about applying for, using, or closing credit cards are yours alone, and you should verify card terms directly with the issuer before acting.

Accuracy of card data

We maintain the card database by hand from publicly available issuer information. Card terms — multipliers, caps, credits, annual fees, sign-up bonuses — change frequently and we cannot guarantee every entry is current. Each card displays its last-verified date. Confirm terms with the issuer before applying or relying on a figure for a large redemption.

Apply links and future monetization

Some card detail pages include an “Apply” button that opens the issuer's application page in a new tab. These are currently plain links — we do not have affiliate relationships and we earn nothing if you apply.

The site may add affiliate tracking in the future so it can pay for itself. If and when that happens, this page will be updated with a clear disclosure and a visible notice will appear next to any Apply button that has tracking. The ranking engine is built so it cannot see affiliate data even when tracking exists — rankings stay pure math regardless of payouts.

Your account

You're responsible for keeping your password secure and for everything that happens under your account. Tell us at geonjason@gmail.com immediately if you suspect unauthorized access.

One person, one account. Don't create accounts on behalf of someone else without their consent. Keep your information accurate.

Acceptable use

You agree not to:

• Scrape, crawl, or automate requests against the Service
• Reverse-engineer or attempt to extract the card database
• Use the Service to violate any law or third-party rights
• Abuse rate limits on verification emails or other endpoints
• Impersonate anyone else or misrepresent your affiliation with any entity

Termination

You can delete your account anytime by emailing us. We may suspend or terminate accounts that violate these terms, typically after a warning when feasible.

Disclaimer of warranty

The Service is provided “as is” without warranties of any kind. We do not guarantee that the Service will be available, uninterrupted, secure, or error-free, or that the card data, valuations, or recommendations will be accurate or current.

Limitation of liability

To the maximum extent permitted by law, our total liability to you for any claim arising out of or relating to the Service is limited to $100 or the amount you've paid us in the past twelve months, whichever is greater. Since the Service is currently free, that's effectively $100. We are not liable for indirect, incidental, consequential, or punitive damages.

Changes to these terms

We may update these terms. Material changes will be announced via the email on your account. Continuing to use the Service after an update means you accept the revised terms.

Governing law

These terms are governed by the laws of the State of California, without regard to conflict-of-laws principles. Disputes will be resolved in the state or federal courts located in California.

Contact

Questions about these terms? Email geonjason@gmail.com.