Terms of Use
Last updated: May 17, 2026
1. Acceptance
By accessing or using hesgotapoint.com (“the Site”), you agree to these Terms of Use. If you do not agree, please do not use the Site.
2. Not Financial Advice
All content on this Site — including articles, videos, calculators, quiz results, comparison tools, and any other materials — is provided for informational and educational purposes only. Nothing on this Site constitutes financial, investment, credit, or legal advice. Users are solely responsible for any financial decisions made. Credit card terms, rates, fees, and eligibility requirements should always be verified directly with the card issuer prior to applying.
3. No Affiliate Relationships
He’s Got a Point does not participate in affiliate programs or receive compensation from card issuers for recommendations. Cards and products featured on this Site are selected based on their merits, 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.
4. Trademarks
All credit card names, issuer names, logos, and brand assets referenced on this Site 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.
5. Accuracy of Information
Reasonable efforts are made to keep content accurate and current. However, credit card terms, rewards rates, annual fees, sign-up bonuses, and program rules are subject to frequent change and are outside the control of He’s Got a Point. Information on this Site may not reflect the most current terms. Users should confirm all details on the issuer’s official website before making any financial decision.
6. Quiz and Calculator Results
The card recommendation quiz and all calculators on this Site provide estimates and suggestions based on the inputs provided by users. Results do not constitute personalized financial advice and are not guaranteed to be accurate for any individual’s specific situation. Reward valuations used in calculators are estimates and may differ from actual experience.
7. Intellectual Property
All content on this Site — including text, graphics, tools, and code — is the property of He’s Got a Point unless otherwise noted. Content may be shared or referenced for personal, non-commercial purposes with appropriate attribution. Reproduction, sale, or commercial repurposing of Site content is not permitted without express written permission from He’s Got a Point.
8. Third-Party Links
The Site may contain links to third-party websites or services provided for convenience only. He’s Got a Point does not endorse and is not responsible for the content, accuracy, or practices of any third-party sites. Use of external sites is at the user’s own risk.
9. Limitation of Liability
To the fullest extent permitted by applicable law, He’s Got a Point shall not be liable for any direct, indirect, incidental, or consequential damages arising from your use of this Site, reliance on any content herein, or any credit card application outcome. The Site is provided “as is” without warranties of any kind, express or implied.
10. Changes to These Terms
These Terms of Use may be updated from time to time. The “Last updated” date at the top of this page reflects the most recent revision. Continued use of the Site following any update constitutes acceptance of the revised terms.
11. Governing Law
These Terms are governed by the laws of the State of Indiana, without regard to its conflict of law provisions.
12. Use of Artificial Intelligence
This Site uses artificial intelligence tools to assist with content generation, data summarization, and other features. While we make reasonable efforts to review AI-generated content for accuracy, AI outputs can contain errors, omissions, or outdated information. He’s Got a Point does not warrant the accuracy or completeness of any AI-assisted content. Users are solely responsible for independently verifying any information obtained through or influenced by AI features on this Site. Any action you take based on such content is entirely at your own risk.
13. Contact
Questions regarding these Terms may be directed to: itsfaiq@hesgotapoint.com.