Terms and Conditions

Last updated: October 20, 2026

These Terms and Conditions (the “Terms”) govern your use of milesandpointsguru.com (the “Site”), our newsletter, and any products or services we offer (together, the “Services”). The Services are operated by Ali Raja, doing business as Miles and Points Guru (“Miles and Points Guru,” “we,” “us,” or “our”), based in California, USA.

By using the Services, you agree to these Terms, our Privacy Policy, our Disclaimer, and our Advertiser Disclosure. If you do not agree, please do not use the Services.

Contents

  1. Eligibility
  2. Information only, not advice
  3. Offers and third-party terms
  4. Affiliate links and advertising
  5. Our content and intellectual property
  6. Acceptable use
  7. Comments and content you submit
  8. Newsletter and communications
  9. Products, coaching, and purchases
  10. Third-party sites and services
  11. Copyright complaints
  12. Disclaimer of warranties
  13. Limitation of liability
  14. Indemnification
  15. Governing law and disputes
  16. Changes and termination
  17. General
  18. Contact

1. Eligibility

The Services are intended for adults. You must be at least 13 years old to use the Site, and if you are under 18 (or the age of majority where you live), you may only use the Services with the involvement of a parent or legal guardian. You must be 18 or older to buy products or book services from us. Credit card content is intended for adults who can legally apply for credit.

2. Information only, not advice

Our content is general, educational information about travel rewards. It is not financial, credit, tax, investment, or legal advice, and it is not tailored to your situation. Please read our Disclaimer, which forms part of these Terms.

3. Offers and third-party terms

Credit card offers, loyalty program rules, award prices, transfer ratios, and travel deals are set by third parties and change often. We do not control them and cannot guarantee that any offer, price, or availability shown on the Site will still be available. Any application, booking, or purchase you make with a third party is between you and that third party and is governed by its terms.

4. Affiliate links and advertising

The Site contains affiliate links, referral links, advertising, and occasionally sponsored content. We may earn compensation when you use these links. Details are in our Advertiser Disclosure.

5. Our content and intellectual property

The Site and its content, including text, graphics, photos, videos, logos, guides, and the Miles and Points Guru name and branding, are owned by or licensed to Miles and Points Guru and are protected by copyright, trademark, and other laws. All rights not expressly granted are reserved.

You may view and share our content for your personal, non-commercial use, and you may link to our pages or quote short excerpts with clear credit and a link back to the original. You may not, without our written permission:

  • copy, republish, sell, or distribute our content, in whole or substantial part;
  • remove copyright or other notices from our content;
  • use automated tools such as scrapers, bots, or crawlers to copy or collect content from the Site, other than standard search engine indexing; or
  • use our content to train, fine-tune, or develop artificial intelligence or machine learning models or datasets.

Third-party trademarks, including those of banks, card issuers, airlines, and hotels, belong to their respective owners. Their appearance on the Site does not mean they endorse us.

6. Acceptable use

When using the Services, you agree not to:

  • break any law or encourage anyone else to do so;
  • post spam, unsolicited advertising, or misleading content;
  • harass, threaten, impersonate, or abuse anyone;
  • upload viruses or malicious code, or try to gain unauthorized access to the Site, its servers, or other users’ information;
  • interfere with, overload, or disrupt the Site; or
  • falsely claim that you are affiliated with, sponsored by, or endorsed by Miles and Points Guru.

7. Comments and content you submit

You are responsible for any comments, questions, messages, or other content you submit (“User Content”). You keep ownership of your User Content, but you give us a non-exclusive, worldwide, royalty-free, perpetual license to use, display, reproduce, edit for length and clarity, and publish it in connection with the Services. You confirm that you have the right to share it and that it does not infringe anyone’s rights or break these Terms.

We may review, moderate, edit, or remove any User Content at our discretion, but we are not obligated to monitor it. User Content reflects the views of the person who posted it, not ours. Please do not post personal or sensitive information, such as account numbers or loyalty program logins, in public comments.

If you send us ideas, suggestions, or feedback, we may use them without any obligation to you.

8. Newsletter and communications

If you subscribe to our newsletter, you agree to receive emails from us about travel rewards, our content, and our products and partners. Every email includes an unsubscribe link, and you can opt out at any time. Newsletters may contain affiliate links, which we disclose in the email.

9. Products, coaching, and purchases

We sell digital products, such as guides and ebooks, and 1:1 strategy sessions through third-party platforms such as Stan. When you buy from us:

  • the price, what is included, and any refund, cancellation, or rescheduling policy are shown on the product or booking page, and those terms apply to your purchase;
  • payments are processed by the platform and its payment processors, whose own terms also apply;
  • digital products are licensed to you for personal use only and may not be shared, resold, or redistributed; and
  • strategy sessions are educational. They are not financial, credit, tax, or legal advice, and we cannot guarantee any particular award booking, approval, bonus, or outcome.

10. Third-party sites and services

The Services link to and embed content from third parties, including card issuers, airlines, hotels, booking and search tools, social media platforms, and retailers. We are not responsible for their content, products, services, availability, or privacy practices. Your use of them is at your own risk and subject to their terms.

We respect intellectual property rights. If you believe content on the Site infringes your copyright, email contact@milesandpointsguru.com with the subject line “Copyright Notice” and include:

  • your name and contact information, and your physical or electronic signature;
  • a description of the copyrighted work you believe has been infringed;
  • the URL of the content you believe is infringing;
  • a statement that you have a good-faith belief the use is not authorized by the copyright owner, its agent, or the law; and
  • a statement, under penalty of perjury, that the information in your notice is accurate and that you are the copyright owner or authorized to act for the owner.

We will review valid notices promptly and remove or disable access to infringing content where appropriate.

12. Disclaimer of warranties

THE SERVICES AND ALL CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF HARMFUL COMPONENTS, OR THAT ANY INFORMATION IS COMPLETE OR CURRENT.

13. Limitation of liability

TO THE FULLEST EXTENT PERMITTED BY LAW, MILES AND POINTS GURU AND ITS OWNER WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, POINTS, MILES, REWARDS, BOOKINGS, DATA, OR CREDIT STANDING, ARISING FROM OR RELATED TO YOUR USE OF THE SERVICES OR ANY THIRD-PARTY PRODUCT OR SERVICE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

OUR TOTAL LIABILITY FOR ANY CLAIM RELATED TO THE SERVICES WILL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID US IN THE 12 MONTHS BEFORE THE CLAIM AROSE OR (B) US $100.

Some jurisdictions do not allow certain limitations of liability, so some of these limits may not apply to you. Nothing in these Terms limits any rights you have that cannot be waived under applicable law.

14. Indemnification

To the extent permitted by law, you agree to indemnify and hold harmless Miles and Points Guru and its owner from any claims, losses, liabilities, and expenses, including reasonable attorneys’ fees, arising from your User Content, your misuse of the Services, or your violation of these Terms or of anyone else’s rights.

15. Governing law and disputes

These Terms are governed by the laws of the State of California, USA, without regard to its conflict-of-law rules. If you have a concern, please contact us first; most issues can be resolved quickly and informally. If we cannot resolve a dispute within 30 days, either of us may bring a claim in the state or federal courts located in California, and you and we consent to their jurisdiction. Either of us may also bring an individual claim in small claims court where eligible. If you live outside the United States, you may also have rights under the mandatory consumer laws of your country that these Terms do not override.

16. Changes and termination

We may update these Terms from time to time. When we do, we will change the “Last updated” date at the top of this page, and for significant changes we may also post a notice on the Site or in our newsletter. Changes apply from the date they are posted. If you keep using the Services after that, you accept the updated Terms.

We may change, suspend, or discontinue any part of the Services, and we may restrict or end your access, including your ability to comment, if you break these Terms. Sections that by their nature should survive termination will continue to apply.

17. General

These Terms, together with the Privacy Policy, Disclaimer, and Advertiser Disclosure, are the entire agreement between you and us about the Services. If any part of these Terms is found unenforceable, the rest will remain in effect. Our failure to enforce any provision is not a waiver. We may transfer our rights and obligations under these Terms, for example if the Site is sold. Neither of us is responsible for delays or failures caused by events beyond reasonable control.

18. Contact

Questions about these Terms? Email contact@milesandpointsguru.com or use our contact page.

California users: under California Civil Code Section 1789.3, you may contact the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs in writing at 1625 North Market Blvd., Suite N 112, Sacramento, CA 95834, or by phone at (800) 952-5210.