Client Agreement & Terms of Service

Acceptance of these Terms

These Terms form a binding agreement between you and Loyalty AM Group Inc., a Delaware corporation operating as Redeem. They incorporate by reference our Privacy Policy and Risk Disclosure. By using the service you confirm you have read and accepted all three.

Scope of service

Redeem provides loyalty-points optimization — information, analysis, and recommendations about credit cards and rewards programs — helping you earn, hold, and redeem credit-card points and airline/hotel loyalty currency more effectively. We may design card and program strategies, monitor balances, and recommend transfers and redemptions. All decisions and all actions — applying for cards, transferring or redeeming points, and booking travel — are made and performed by you, the client. We never book, transfer, or redeem on your behalf. Redeem does not custody your points, cards, or money; your loyalty accounts remain yours and are governed by the terms of the issuing programs.

No account access. Redeem never requests or holds your account logins, passwords, two-factor (2FA) codes, or full card numbers, and never logs into or acts inside your credit-card, bank, airline, or hotel accounts. You perform every action in your own accounts yourself.

Eligibility

You must be at least 18 years old and able to form a binding contract to use Redeem. You agree to provide accurate, current, and complete information and to keep it up to date.

Your account & security

You are responsible for maintaining the confidentiality of your login credentials and for all activity under your account. Notify us promptly of any unauthorized use. We may suspend or terminate accounts that violate these Terms or that we reasonably believe are compromised or being used for fraud or abuse.

Fees & billing

Paid plans are billed on a subscription basis through our payment processor (Stripe) or by bank transfer, at the prices and intervals shown at signup. The specific fees for your plan are those presented to you at signup. Fees are charged in advance and, except where required by law, are non-refundable. All fees are final — there are no refunds or credits, including for partially used periods, downgrades, or cancellation.

No automatic renewal. Subscriptions do not renew automatically. Your plan runs only for the period you paid for and then ends — we do not charge your payment method again unless you actively choose to start a new term. To continue after your term ends, you renew manually. We may change prices for future terms with reasonable advance notice. Questions about billing: hello@loyaltyamgroup.com.

Compensation & referral disclosure

Your fees are as stated to you at signup. Redeem's revenue comes from client fees, and when we recommend a card or program it reflects our analysis, not a paid placement. If Redeem ever receives any referral or affiliate compensation from a card issuer or loyalty program, that compensation will be disclosed on our Disclosures page.

Not investment, tax, or legal advice

Redeem provides loyalty-optimization guidance only. We are not a licensed or registered financial adviser, investment adviser, broker-dealer, credit repair organization, money transmitter, tax adviser, or law firm, and nothing we provide constitutes investment, financial, tax, accounting, or legal advice. Points, awards, and card activity may carry tax or credit-report implications depending on your jurisdiction and circumstances; consult your own professionals. Value figures, benchmarks, and projections are illustrative estimates based on documented outcomes and our valuations — individual results vary and no specific redemption value or outcome is guaranteed.

Loyalty program risk

Loyalty currency is controlled entirely by the issuing programs, not by Redeem. Programs can and do change transfer ratios, earn rates, award pricing, availability, and terms — and can devalue or cancel points — at any time and without notice. Award space is finite and dynamic. You accept these risks. Our full Risk Disclosure describes them in detail and forms part of these Terms.

No guarantees. Redeem makes no promise of card approval, sign-up bonus eligibility, award availability, or any specific outcome. Issuer and program rules change without notice, and an application may be declined for reasons outside our control.

Acceptable use

You agree not to: use the service unlawfully or in violation of any loyalty program's terms; misrepresent your identity or holdings; attempt to gain unauthorized access to the service or other users' data; probe, scan, overload, or disrupt the service; use any robot, scraper, or automated means to access or extract our data or content; scrape or reverse-engineer our models, valuations, route data, or software; use the service or any of its content to train, develop, or improve any machine-learning, artificial-intelligence, or similar system; or use the service to build a competing product.

Intellectual property

The Redeem name, website, software, valuation models, route data, and content are owned by Loyalty AM Group Inc. and protected by intellectual-property laws. We grant you a limited, non-exclusive, non-transferable license to use the service for your own personal or internal business purposes while your account is active. You retain ownership of the data you submit and grant us the license necessary to operate the service for you.

Third-party programs, sites & content

The service interacts with and links to third-party programs and websites (airlines, hotels, card issuers, booking platforms, and our service providers). We do not control and are not responsible for their availability, terms, pricing, or content. Your use of any third party is governed by that third party's terms.

Disclaimers & limitation of liability

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR THAT ANY PARTICULAR REDEMPTION, AVAILABILITY, OR VALUE WILL BE ACHIEVED.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, LOYALTY AM GROUP INC. AND ITS OFFICERS, EMPLOYEES, AND AGENTS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR ANY DENIED OR UNAPPROVED APPLICATIONS, LOST POINTS, LOST VALUE, LOST PROFITS, PROGRAM DEVALUATIONS, OR ACTIONS TAKEN BY ANY CARD ISSUER OR LOYALTY PROGRAM. OUR TOTAL AGGREGATE LIABILITY FOR ANY CLAIM ARISING FROM THE SERVICE WILL NOT EXCEED THE FEES YOU PAID US IN THE TWELVE MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM.

Any claim or cause of action arising out of or relating to the service or these Terms must be commenced within one (1) year after it accrues; otherwise it is permanently barred, except where a longer period is required by applicable law. Some jurisdictions do not allow certain warranty or liability limitations, so parts of this section may not apply to you.

Indemnification

You agree to indemnify and hold harmless Loyalty AM Group Inc. from claims, losses, and expenses (including reasonable legal fees) arising out of your misuse of the service, your violation of these Terms, or your violation of any law or third-party right, including any loyalty program's terms.

Termination

You may stop using the service and close your account at any time. We may suspend or terminate your access if you breach these Terms, if required by law, or if we discontinue the service. Provisions that by their nature should survive termination (including intellectual property, disclaimers, limitation of liability, and indemnification) will survive.

Governing law, arbitration & class-action waiver

These Terms are governed by the laws of the State of Delaware, without regard to its conflict-of-laws rules.

Informal resolution first. Before starting an arbitration, you agree to contact us at hello@loyaltyamgroup.com and give us 30 days to try to resolve the dispute informally.

Binding individual arbitration. Except for the carve-outs below, any dispute, claim, or controversy arising out of or relating to these Terms or the service will be resolved by final and binding arbitration on an individual basis, administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules, rather than in court. The arbitration may be held in Delaware or, at your election, conducted by telephone, by video, or on written submissions alone. Judgment on the award may be entered in any court of competent jurisdiction.

Class-action & jury-trial waiver. You and Redeem each agree to bring claims against the other only in an individual capacity, and not as a plaintiff or class member in any purported class, collective, consolidated, or representative proceeding. The arbitrator may not consolidate more than one person's claims or preside over any class or representative proceeding. You and Redeem each waive any right to a jury trial.

Carve-outs. Either party may (a) bring an individual claim in small-claims court if it qualifies, and (b) seek injunctive or other equitable relief in court to protect its intellectual property or confidential information. Nothing here waives any right that cannot be waived under applicable law.

30-day opt-out. You may opt out of this arbitration agreement by emailing hello@loyaltyamgroup.com with your name and account email within 30 days of first accepting these Terms. Opting out will not affect any other part of these Terms.

Delegation & severability. The arbitrator has exclusive authority to decide any dispute about the interpretation, applicability, or enforceability of this arbitration agreement. If the class-action waiver is found unenforceable as to a particular claim, that claim (and only that claim) will proceed in court, and the remainder of this section will survive.

For any dispute not subject to arbitration, you agree that the state and federal courts located in Delaware will have exclusive jurisdiction, and you consent to that jurisdiction and venue.

Bookings & travel — you execute, we advise

Redeem gives you the plan — which points to transfer, where and when, and the exact award to book — but you carry out every booking, transfer, and redemption yourself, in your own accounts. We never book, transfer, redeem, issue tickets, sell travel, or act inside your accounts on your behalf, and we do not custody your points or money. Airlines, hotels, and loyalty programs are the providers of any travel, and their terms and conditions of carriage govern your booking. We are not responsible or liable for a provider's service failures, schedule changes, cancellations, downgrades, denied boarding, or loss, and we do not guarantee award availability, pricing, or that any itinerary will be honored.

When you enter an award booking with an airline or program agent, entry errors can occur (names, dates of birth, dates, or routings). You are responsible for verifying that all passenger and itinerary details are complete and correct before you confirm; while we will try to help you spot and correct such an error, we accept no liability for it or for any resulting costs. Changing or canceling award tickets may trigger fees or mileage-redeposit penalties imposed by the provider, which are your responsibility.

Our fees are for our advice and services and are independent of any provider charges. If we deliver an itinerary or plan meeting the specifications you gave us, our fee is earned and payable even if you choose to book elsewhere, change your mind, or do not complete the trip — and our fees are non-refundable even if your plans change or a provider later modifies your itinerary. We do not buy, sell, or broker miles, and we advise against working with anyone who does, as it typically violates program rules.

Electronic communications

By using the service you consent to receive communications from us electronically — including account, service, billing, and legal notices — by email or by posting to the service. You agree that these electronic communications satisfy any legal requirement that a communication be in writing. Keep your email address current so you continue to receive them.

Feedback

If you send us ideas, suggestions, or feedback about the service, you grant us a perpetual, worldwide, royalty-free right to use and incorporate it without any obligation or compensation to you. Please don't send us anything you consider confidential — we treat feedback as non-confidential.

Force majeure

We are not liable for any delay or failure to perform caused by events beyond our reasonable control, including acts of God, natural disasters, war, terrorism, civil unrest, labor disputes, power or internet failures, government actions, or the acts or outages of third parties (including airlines, hotels, loyalty programs, and our service providers).

Changes & how to contact us

We may update these Terms from time to time. Material changes will be posted here with a revised effective date and, where appropriate, we will notify you. Continued use of the service after an update constitutes acceptance of the revised Terms.

Questions: hello@loyaltyamgroup.com · Loyalty AM Group Inc., a Delaware corporation.