SwipeSmart Terms of Use

1. Acceptance

By using the SwipeSmart card recommendation quiz (“the Quiz”) at hesgotapoint.com/quiz, you agree to these Terms of Use. If you do not agree, do not use the Quiz.

2. Not Financial or Credit Advice

The Quiz and all results it produces are provided for informational and educational purposes only. SwipeSmart recommendations do not constitute financial advice, credit counseling, or a guarantee of approval. Nothing in the Quiz output should be construed as a recommendation to apply for any specific credit card or financial product.

Credit card terms, annual fees, reward rates, sign-up bonuses, and eligibility requirements change frequently and may differ from what is displayed. Always verify current terms directly with the card issuer before applying.

3. No Approval Guarantee

Card recommendations are based on the information you provide and general eligibility criteria. He’s Got a Point makes no representation that any recommended card will be approved for you. Approval decisions are made solely by card issuers based on their own criteria, which may include factors not captured by the Quiz.

4. Accuracy of Information You Provide

The quality of your results depends on the accuracy of the answers you provide. You are responsible for entering information that accurately reflects your situation. Results based on inaccurate inputs may not represent suitable recommendations.

5. No Affiliate Relationships

He’s Got a Point does not participate in affiliate programs or receive compensation from card issuers for recommendations made through the Quiz. Cards are recommended based on their fit for your stated profile, not on the basis of third-party compensation. Should this policy change in the future, any such change will be disclosed prominently on the Site.

6. Intellectual Property

All credit card names, issuer names, and brand assets referenced in Quiz results are the property of their respective owners. He’s Got a Point is not affiliated with, endorsed by, or sponsored by any card issuer or financial institution. Use of these names is solely for informational and comparative purposes.

7. Limitation of Liability

He’s Got a Point provides the Quiz “as is” without warranties of any kind, express or implied. He’s Got a Point is not liable for any financial losses, credit impacts, or other damages resulting from reliance on Quiz results. Users assume full responsibility for any financial decisions made based on the Quiz or any content on the Site.

8. Rate Limiting and Misuse

The Quiz enforces submission limits to ensure fair access. Attempts to circumvent rate limits, submit automated queries, or otherwise misuse the Quiz are prohibited.

9. Eligibility

You must be at least 18 years of age to use the Quiz. By using the Quiz, you represent and warrant that you meet this requirement. The Quiz is not directed to individuals under 18, and He’s Got a Point does not knowingly provide recommendations to minors.

10. Governing Law

These Terms are governed by the laws of the State of Indiana, without regard to its conflict of law principles. Any disputes arising from your use of the Quiz shall be subject to the exclusive jurisdiction of the courts located in Indiana.

11. Changes to These Terms

These Terms may be updated at any time. The “Last updated” date at the top of this page reflects the most recent revision. Continued use of the Quiz after a change constitutes acceptance of the updated Terms.