**Last Updated: June 17, 2024**

Welcome to The Points Guru (the “Website”). By accessing or using the Website, you agree to comply with and be bound by the following Terms of Use (“Terms”). Please read these Terms carefully before using the Website. If you do not agree with any part of these terms, you must not use the Website.

1. Acceptance of Terms

By using the Website, you agree to these Terms and our Privacy Policy. These terms apply to all visitors, users, and others who access or use the Website.

2. Changes to Terms

We reserve the right to modify or replace these Terms at any time. It is your responsibility to review these terms periodically for changes. Your continued use of the Website following the posting of any changes constitutes acceptance of those changes.

3. Use of the Website

**Eligibility:** You must be at least 18 years old to use the Website.

**Account Security:** If you create an account, you are responsible for maintaining the confidentiality of your account information and password. You agree to notify us immediately of any unauthorized use of your account.

**Prohibited Activities:** You agree not to:

•   Use the Website for any unlawful purpose.
•   Post or transmit any content that is defamatory, obscene, offensive, or infringing on others’ rights.
•   Engage in any activity that could damage, disable, overburden, or impair the Website.
•   Use any robot, spider, or other automatic device to access the Website.

4. Content

**User Content:** You retain ownership of the content you post on this Website. By posting content, you grant this Website, non-exclusive, royalty-free license to use, copy, modify, and display such content.

**Prohibited Content:** You agree not to post content that:

•   Violates any third-party rights, including intellectual property rights.
•   Contains viruses or other harmful software.
•   Is false or misleading.

5. Intellectual Property

All content on the Website, including text, graphics, logos, and images, is the property of The Points Guru or its content suppliers and is protected by copyright, trademark, and other intellectual property laws. You may not use, reproduce, or distribute any content from the Website without our prior written permission.

6. Disclaimers

The Website is provided on an “as is” and “as available” basis. We make no warranties, express or implied, regarding the Website’s operation or the information, content, or materials included on the Website. To the fullest extent permitted by law, we disclaim all warranties, express or implied, including but not limited to implied warranties of merchantability and fitness for a particular purpose.

7. Limitation of Liability

To the fullest extent permitted by law, The Points Guru shall not be liable for any damages of any kind arising from the use of the Website, including but not limited to direct, indirect, incidental, punitive, and consequential damages.

8. Indemnification

You agree to indemnify, defend, and hold harmless The Points Guru, its affiliates, and their respective officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses, including reasonable attorneys’ fees, arising out of or in any way connected with your use of the Website or violation of these Terms of Use.

9. Governing Law

These Terms of Use are governed by and construed in accordance with the laws of Canada, without regard to its conflict of law principles. Any disputes arising under or in connection with these Terms of Use shall be subject to the exclusive jurisdiction of the courts located in Canada.

10. Contact Information

If you have any questions about these Terms of Use, please contact us.

By using the Website, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use.

The Points Guru

Canada