Legal

Terms of Use

Last updated: 2026-07-07

Editorial content, not advice

The Points Standard publishes independent editorial analysis of credit cards and loyalty programs for Canadian readers. Nothing on this site is financial, investment, tax, or legal advice, and nothing accounts for your personal circumstances. Decisions about credit products are yours alone.

Accuracy

We work hard to keep information current (see our Editorial Policy), but card terms change without notice and errors are possible. Always verify details with the issuer before applying. We are not liable for decisions made in reliance on this site.

Point valuations

Valuations published in The Points Standard Index are editorial estimates, not promises of redemption value.

Intellectual property

Site content, the Standard Score methodology, and The Points Standard name are our property. You may quote brief excerpts with attribution and a link; wholesale reproduction requires permission.

Third-party links

This site links to issuer application pages and other third-party sites. We don't control those sites and aren't responsible for their content, terms, or privacy practices — read them before you proceed.

Limitation of liability

The site and its content are provided “as is,” without warranties of any kind, express or implied. To the fullest extent permitted by law, The Points Standard is not liable for any loss or damage arising from your use of, or reliance on, this site or its content, including decisions about credit products made in reliance on published scores, valuations, or comparisons.

Governing law

These terms are governed by the laws of Canada and the applicable province, without regard to conflict-of- law principles.

Contact

Questions about these terms: contact us.