Terms of Service

These Terms of Service ("Terms") form a binding agreement between you and iBuyPoints ("iBuyPoints," "we," "us," or "our") governing your use of our website at ibuypoints.com (the "Site") and the services we provide through the Site (collectively, the "Services"), including any quote, sale, or transfer of loyalty points or miles.

1. Who we are. What we do.

iBuyPoints is an independent broker that purchases loyalty program points and miles from individual account holders in exchange for cash payment. We are not affiliated with, sponsored by, endorsed by, or otherwise connected to any airline, hotel chain, credit card issuer, or loyalty program. Brand names, logos, and trademarks of those programs are the property of their respective owners and appear on the Site only for descriptive reference under nominative fair use.

2. Eligibility

To use the Services, you represent and warrant that:

• You are at least 18 years old and have full legal capacity to enter into a binding contract.
• You are the rightful and sole owner of the loyalty account from which you are offering to sell points or miles, or you are duly authorized to act on behalf of the rightful owner.
• The points or miles you are offering were obtained lawfully and not in violation of any loyalty program's terms.
• You are not located in a jurisdiction subject to U.S. sanctions, and you are not on any U.S. or international sanctions, embargo, or restricted-party list.
• All information you provide to us is accurate, current, and complete, and you will keep it accurate, current, and complete.

3. Quotes are not offers. Offers are not contracts.

Any quote, estimate, rate, or price shown on the Site or in any communication is an indicative estimate only, generated based on information you provide and current market conditions. A quote does not create a binding offer to buy and does not commit either party to a transaction. Quotes are time-limited, typically expiring 24 hours after issuance, and are subject in all cases to:

• Successful identity verification, including KYC and AML checks.
• Confirmation of account ownership and the points or miles balance you claim.
• The continued operation and policies of the relevant loyalty program at the time of transfer.
• Our independent assessment of market demand, transaction risk, and operational feasibility.
• Our right to decline any transaction, in our sole discretion, for any reason or no reason.

The final purchase price, if any, is established only when a iBuyPoints representative confirms the price with you by phone and you and iBuyPoints both agree to proceed. We may revise, withdraw, or replace a quote at any time prior to that confirmation.

4. Your obligations and warranties

By selling points or miles to iBuyPoints, you represent, warrant, and agree that:

• You have full and unrestricted authority to transfer the points or miles, free of any lien, claim, or encumbrance.
• Your loyalty account is in good standing, has not been suspended or flagged, and is not subject to any pending dispute or chargeback.
• You will cooperate in good faith with our verification process and will provide truthful, complete documentation when requested.
• You will not initiate any chargeback, reversal, recall, dispute, or claim against any payment we send you via PayPal, except as required by applicable consumer-protection law.
• You will not, directly or indirectly, attempt to recover, reclaim, or reverse the transfer of points or miles after payment, including by contacting the loyalty program to dispute the transfer.
• You acknowledge that selling, transferring, or bartering loyalty points may be restricted or prohibited by the relevant loyalty program's terms of service, and that any consequences (including but not limited to account suspension, account closure, forfeiture of points, or loss of elite status) are your sole responsibility and your decision to accept.
• You are not engaged in money laundering, fraud, tax evasion, sanctions evasion, or any other unlawful activity, and you will not use the Services to facilitate any such activity.
• You are solely responsible for the tax treatment of any payment you receive. We do not provide tax advice. Consult your own tax advisor.

5. Identity verification

Before completing any purchase, we require identity verification through our third-party verification provider. This may include submission of a government-issued photo ID, a live selfie or biometric capture, address verification, and screening against sanctions and watchlists. We may decline or delay any transaction if verification fails, is inconclusive, or raises any concern. We may retain verification records as required by AML and financial-recordkeeping laws.

6. Payment

Payments are sent exclusively via PayPal to the email address or PayPal account you provide. You are responsible for providing accurate payment instructions. We are not responsible for funds sent to an incorrect address you provided, for delays caused by PayPal, or for fees, conversion losses, or holds imposed by PayPal or your financial institution. Payment is issued only after we have received and confirmed the points or miles transfer and any required verification steps. We may withhold or recover payment if a transfer fails, is reversed by the loyalty program, is clawed back, or is otherwise not honored.

7. Risks you accept

You expressly acknowledge and accept that:

• Loyalty programs operate at the sole discretion of their issuers and may at any time, with or without notice, change point values, devalue, suspend, cancel, or change the rules of redemption.
• Loyalty programs may suspend, close, or take other adverse action against accounts that engage in point sales, transfers, or any activity the program considers a violation of its terms. We have no control over these decisions and accept no responsibility for them.
• Editorial content on the Site, including sweet-spot examples, redemption suggestions, transfer-partner information, historical devaluation timelines, and program glossary entries, is provided for informational purposes only. We do not warrant that this content is current, complete, accurate, or applicable to your circumstances. Loyalty program terms, award charts, transfer ratios, and partner relationships change frequently and may be different from those described.
• Quotes, projected payouts, and estimates of program value are based on current market conditions and are not promises of future value. Market rates fluctuate and we may revise rates at any time.

8. DISCLAIMER OF WARRANTIES

THE SITE AND THE SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, AND ANY WARRANTIES ARISING FROM COURSE OF DEALING OR USAGE OF TRADE.

Without limiting the foregoing, we make no representation or warranty that the Site or the Services will be uninterrupted, secure, error-free, or free of viruses or other harmful components; that any information on the Site is accurate, complete, or current; that any quote, estimate, projected payout, or rate will be available or honored at any later time; that any point or mile sale will be completed; or that any loyalty program will not take adverse action against any account.

9. LIMITATION OF LIABILITY

TO THE FULLEST EXTENT PERMITTED BY LAW, IN NO EVENT WILL iBuyPoints, ITS AFFILIATES, OR ITS OR THEIR OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, OR SERVICE PROVIDERS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING LOSS OF PROFITS, LOSS OF DATA, LOSS OF GOODWILL, LOSS OF POINTS OR MILES, LOSS OF ELITE STATUS, ACCOUNT CLOSURE, OR LOSS RESULTING FROM ANY ACT OR OMISSION OF ANY LOYALTY PROGRAM OR THIRD PARTY, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES AND REGARDLESS OF THE LEGAL THEORY (CONTRACT, TORT, STATUTORY, OR OTHERWISE).

OUR TOTAL CUMULATIVE LIABILITY ARISING OUT OF OR RELATING TO THESE TERMS, THE SITE, OR THE SERVICES WILL NOT EXCEED THE GREATER OF (A) THE AMOUNT WE ACTUALLY PAID TO YOU IN THE TRANSACTION GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED U.S. DOLLARS ($100).

Some jurisdictions do not allow the exclusion or limitation of certain damages. In those jurisdictions, our liability is limited to the smallest amount permitted by law.

10. Indemnification

You agree to indemnify, defend, and hold harmless iBuyPoints, its affiliates, and its and their officers, directors, employees, agents, and service providers from and against any and all claims, demands, losses, liabilities, damages, costs, and expenses (including reasonable attorneys' fees) arising out of or related to: (a) your use of the Site or the Services; (b) your breach of these Terms or of any representation or warranty you made; (c) your violation of any law or third-party right, including any loyalty program's terms of service; (d) any inaccuracy in the information you provided; or (e) any dispute between you and any loyalty program or third party arising in any way from a transaction with us.

11. Communications consent

By providing your telephone number or email address, you consent to receive communications from us at that number or address relating to your quote, your sale, customer service, account verification, and operational updates. These communications may be sent by automated dialing systems, prerecorded voice, SMS, or email, and standard message and data rates may apply. You may opt out of marketing communications at any time. Operational and transaction-related communications cannot be opted out of without ending your use of the Services.

12. Intellectual property, trademarks, and non-affiliation

The Site and all content, design, code, graphics, text, and other materials displayed on the Site, other than third-party trademarks and logos referenced for descriptive purposes, are owned by iBuyPoints or its licensors and are protected by copyright, trademark, and other intellectual-property laws. You may not copy, reproduce, distribute, modify, create derivative works of, publicly display, or commercially exploit any portion of the Site without our prior written consent.

All third-party brand names, program names, logos, and trademarks, including those of airlines, hotel groups, and credit card issuers, are the property of their respective owners and appear on the Site solely for descriptive reference under nominative fair use. iBuyPoints is an independent broker and is not affiliated with, endorsed by, sponsored by, or otherwise connected to any airline, hotel chain, credit card issuer, or loyalty program. No program operator has reviewed, approved, or sponsored the Site or our Services. See our full disclaimer for details.

13. Acceptable use

You may not, and you may not allow any third party to:

• Submit false, misleading, or fraudulent information.
• Attempt to sell points or miles that you do not own or that were obtained unlawfully.
• Use the Services to launder money, evade taxes, evade sanctions, or commit any other unlawful act.
• Interfere with, disrupt, or attempt to gain unauthorized access to any part of the Site or our systems.
• Scrape, copy, or otherwise extract content from the Site for any commercial purpose without our written consent.
• Use automated tools to submit quotes or interact with the Site in a manner that imposes an unreasonable load on our infrastructure.

We may suspend, restrict, or terminate your access to the Services at any time, with or without notice, for any reason, including suspected violation of these Terms.

14. Binding arbitration and class-action waiver

Please read this Section carefully. It limits how disputes can be resolved.

Any dispute, claim, or controversy arising out of or relating to these Terms, the Site, or the Services, including the formation, breach, termination, validity, interpretation, or enforceability of these Terms (each, a "Dispute"), will be resolved by binding individual arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules then in effect. Arbitration will be conducted by a single arbitrator. The arbitrator's decision will be final and binding. Judgment on the arbitrator's award may be entered in any court of competent jurisdiction.

You and iBuyPoints each waive any right to a jury trial and any right to bring or participate in a class action, collective action, or representative action of any kind. Disputes must be brought in your individual capacity only.

30-Day Opt-Out. You may opt out of this arbitration agreement by sending written notice to sales@ibuypoints.com within 30 days of first agreeing to these Terms. The notice must include your full name, mailing address, the email and phone number associated with your account, and a clear statement that you opt out of arbitration. If you opt out, disputes will be resolved in the courts identified in the "Governing law and venue" section.

Notwithstanding the foregoing, either party may bring an individual action in small-claims court for disputes within that court's jurisdiction, and either party may seek injunctive or equitable relief in court to protect intellectual-property or confidentiality rights.

15. Governing law and venue

These Terms are governed by the laws of the State of New York, without regard to its conflict-of-laws principles. To the extent any Dispute is not subject to arbitration under Section 14 or you have opted out of arbitration, the exclusive venue for any such Dispute is the state or federal courts located in Nassau County, New York, and each party consents to the personal jurisdiction of those courts.

16. Changes to these Terms

We may modify these Terms at any time. If we make material changes, we will update the "Last updated" date above and may also provide notice through the Site or by email. Your continued use of the Site or the Services after a change becomes effective constitutes acceptance of the modified Terms. If you do not agree to the modified Terms, you must stop using the Services.

17. Miscellaneous

• Privacy and tracking. Your use of the Site and the Services is also governed by our Privacy Policy. You acknowledge that we and our service providers use cookies, pixels, local storage, device and online identifiers, attribution parameters, and similar technologies for analytics, fraud prevention, and to measure and improve our marketing and advertising, including sharing limited, irreversibly hashed identifiers with analytics and advertising partners to attribute and measure conversions across sessions and devices. By using the Site, you consent to these practices as described in the Privacy Policy.
• Entire agreement. These Terms, together with our Privacy Policy, constitute the entire agreement between you and us regarding the Site and the Services and supersede any prior agreements or understandings on the same subject.
• Severability. If any provision of these Terms is held invalid, illegal, or unenforceable, that provision will be enforced to the maximum extent permitted by law, and the remaining provisions will continue in full force and effect.
• No waiver. Our failure to enforce any provision of these Terms is not a waiver of that provision or any other provision.
• Assignment. You may not assign or transfer these Terms or any rights or obligations under these Terms without our prior written consent. We may freely assign these Terms in connection with a sale of assets, merger, or other business transaction.
• No agency. Nothing in these Terms creates any partnership, joint venture, employment, or agency relationship between you and us.
• Headings. Section headings are for convenience only and do not affect interpretation.
• Survival. Sections that by their nature should survive termination of these Terms (including disclaimers, limitations of liability, indemnification, arbitration, and governing law) will survive.

18. How to contact us