Terms of Use

These Terms govern your use of the Supapoints app for iPhone and the service behind it (together, “Supapoints”), operated by Charles McQuain (“we”, “us”). By creating an account or using Supapoints you agree to these Terms and to our Privacy Policy. If you do not agree, do not use Supapoints.

You must be at least 18 and live in the United States. You are responsible for activity on your account and for keeping your sign-in methods secure.

• —Supapoints helps you keep track of credit card benefits, points balances and travel plans using information you enter or approve. It does not connect to your bank or card issuer.
• —Card benefits, terms and prices change, and issuers and hotel programs decide what applies to you. Always confirm with the issuer or program before you rely on a benefit, balance or price. Prices marked as illustrative are examples, not quotes.
• —Supapoints is not financial, credit, tax or legal advice, and we are not a bank, lender or card issuer.
• —Supapoints is not affiliated with, endorsed by or sponsored by Hilton, American Express, Chase or any card issuer or network. Their names are used only to identify their products.
• —Optional AI features can make mistakes. Check AI-written text before acting on it. Numbers shown in Supapoints come from your data and our calculators.

You own what you enter. You give us permission to store, process and display it only as needed to provide Supapoints to you and the household members you choose to share with. You are responsible for having the right to share anything you enter about other people, such as a household member's cards.

You agree not to:

• —break the law, or use Supapoints to harm or harass anyone;
• —access another person’s account or data without permission;
• —probe, overload, scrape or automate the service, or bypass its limits or security;
• —reverse engineer the app except where the law allows it;
• —resell or redistribute Supapoints or its content.

Supapoints has a free plan, which includes tracking your cards, credits and points, and reminders. Supapoints Plus is an optional subscription that adds more, such as reading statements and card emails, the weekly briefing, asking your wallet, trip planning with your points, and room for up to four people. What each plan includes, and its limits, are shown in the app.

Plus is sold through Apple's App Store, monthly or yearly, at the prices shown in the app before you buy.

• —Payment is charged to your Apple Account when you confirm the purchase.
• —The subscription renews automatically for the same period and price unless you turn off auto-renew at least 24 hours before the end of the current period. Your account is charged for renewal within 24 hours before the period ends.
• —If a free trial is offered, it converts to a paid subscription at the price shown unless you cancel at least 24 hours before it ends. Any unused part of a trial is forfeited when you subscribe. We remind you before a trial ends.
• —Offer codes and introductory prices follow the terms shown when you redeem them; afterwards the subscription renews at the regular price unless you cancel.
• —Manage or cancel in your iPhone’s Settings › your name › Subscriptions. Deleting the app or your account does not cancel a subscription.
• —If a renewal payment fails, Plus continues during Apple’s billing grace period while Apple retries.
• —Refunds are handled by Apple under its policies. If Apple refunds a subscription, Plus ends; what you already used isn’t reversed.
• —If we change the price, Apple tells you in advance and, where required, asks for your consent.

• —One subscription covers the subscriber’s Supapoints household, up to four people. Plus isn’t shared through Apple’s Family Sharing.
• —If the subscriber leaves the household, Plus goes with them.
• —Monthly allowances, such as statements read or shortlists, are shared by the household and reset each month.
• —AI features also have a monthly limit per household. When it’s reached, Supapoints gives its own answers instead until the next month.

Plus ends at the end of the period you paid for, or when Apple refunds it. Ending Plus changes what you can do, never your data:

• —Monthly limits go back to the free plan’s, never below what you have already used that month.
• —A household of three or four people pauses sharing until Plus returns or it is back to two; a household of two keeps sharing.
• —Recheck reminders beyond the free plan’s one are paused, keeping the oldest.
• —Everything you entered, and your trip plans, notes and history, stay in your account and readable.

We may change what Plus includes, but we won't reduce what it includes during a period you have already paid for.

We may change or discontinue features. We may suspend or close accounts that break these Terms or put the service or other users at risk. You may stop using Supapoints and delete your account at any time in the app.

Supapoints is provided “as is” and “as available”. To the fullest extent the law allows, we disclaim all warranties, express or implied, including merchantability, fitness for a particular purpose and non-infringement, and we do not promise that Supapoints will be accurate, uninterrupted or error-free.

To the fullest extent the law allows, we are not liable for indirect, incidental, special, consequential or punitive damages, or for lost profits, points, benefits, credits or travel costs. Our total liability for any claim relating to Supapoints is limited to the greater of $50 or the amount you paid us for Supapoints in the 12 months before the claim. Some states do not allow these limits, so they may not apply to you.

You agree to cover claims and costs that arise from your misuse of Supapoints or your breach of these Terms.

You download Supapoints from Apple's App Store, so these terms also apply. If they conflict with Apple's Licensed Application End User License Agreement, the Apple terms control for the app license.

• —These Terms are between you and us, not Apple. We, not Apple, are responsible for Supapoints and its content.
• —You may use the app on Apple-branded devices you own or control, as allowed by the App Store Terms of Service.
• —Apple has no obligation to provide maintenance or support for the app.
• —If the app fails to conform to any applicable warranty, you may notify Apple, and Apple will refund the purchase price, if any. Apple has no other warranty obligation for the app.
• —We, not Apple, are responsible for addressing any claims relating to the app, including product liability, failure to meet legal or regulatory requirements, and consumer protection or privacy claims.
• —If a third party claims the app infringes its intellectual property, we, not Apple, are responsible for the investigation, defense, settlement and discharge of that claim.
• —You confirm that you are not located in a country subject to a U.S. government embargo or on a U.S. government list of prohibited or restricted parties.
• —You must comply with any third-party terms that apply when using the app, such as your wireless data agreement.
• —Apple and its subsidiaries are third-party beneficiaries of these Terms and may enforce them against you.

These Terms are governed by the laws of the State of Texas and applicable U.S. federal law, without regard to conflict-of-law rules. Disputes will be resolved in the state or federal courts located in Texas, unless the law where you live gives you the right to bring a claim where you live.

We may update these Terms. We will update the date above and, for significant changes, tell you in the app before they take effect. Continuing to use Supapoints after that means you accept the updated Terms.

Charles McQuain, operator of Supapoints. Email hello@supapoints.com.