Welcome to PointOrchard (“we,” “our,” or “us”). By accessing or using our website (the “Service”), you agree to these Terms of Service (“Terms”). If you do not agree, please do not use the Service.
PointOrchard is an informational website that provides listings of credit card sign-up bonuses, estimated value calculations, and related information. User accounts (managed via Clerk) allowing you to add your own cards, which are private and visible only to you. We strive to provide accurate and timely information, but card data is maintained manually by us and may not always be current, complete, or correct.
You must be at least 18 years old and capable of entering into contracts to use the Service.
Account creation and authentication are managed by Clerk. You are responsible for securing your login credentials. You must provide accurate information when creating an account.
You may add information about your personal credit cards. This content is private and visible only to you. You may not add false, misleading, or fraudulent information.
You agree not to engage in any of the following activities: (a) violating any laws; (b) distributing malware; (c) attempting to interfere with the proper functioning of our service; (d) engaging in any activity that disrupts or diminishes the quality of our service.
All content provided by PointOrchard is for informational purposes only. We are not financial advisors, banks, or credit card issuers. You should independently verify information and consult with financial professionals before making decisions. We do not guarantee approval, rewards value, or accuracy of bonus data.
Our service is provided "as is" without warranties of any kind, either express or implied. We do not warrant that our service will be uninterrupted or error-free.
We shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from your use of or inability to use our service.
We reserve the right to modify these Terms of Service at any time. We will provide notice of significant changes by posting the new Terms on our website.
Some links on the Service may be affiliate links or point to third-party websites. We are not responsible for third-party content, policies, or practices.
We may suspend or terminate your access if you violate these Terms or misuse the Service.
These Terms are governed by the laws of the State of Arizona, United States, without regard to conflict of laws principles.
We may update these Terms at any time. Continued use after changes means you accept the updated Terms.
Last updated: August 17, 2025