Advertiser Disclosure

1. About This Disclosure

This Advertiser Disclosure applies to thePointsPage, a TPP Consulting, LLC company (“thePointsPage,” “we,” “us,” or “our”).

It applies to content and recommendations published through:

• The thePointsPage website
• Articles, guides, reviews, and deal posts
• Website tools and calculators
• Email newsletters and alerts
• Facebook groups and social-media accounts
• Videos, graphics, and other digital content
• Consultations and related services

Additional disclosures may appear within individual articles, emails, social-media posts, videos, forms, tools, or service pages.

2. How thePointsPage Is Supported

Much of the educational content and many of the tools available through thePointsPage are provided to readers without charge.

We may support the operation of the website through:

• Affiliate commissions
• Credit card referral bonuses
• Travel insurance commissions or agent compensation
• Google AdSense and other display-advertising revenue
• Sponsored content or paid partnerships
• Referral fees
• Paid consultations and services
• Complimentary or discounted products, travel, or services
• Other commercial relationships

The type and amount of compensation may vary by partner, product, transaction, campaign, or service.

3. Affiliate and Referral Links

Some links on thePointsPage are affiliate, referral, licensed-agent, or tracking links.

When you click one of these links and complete a qualifying action, we may receive compensation. A qualifying action may include:

• Purchasing a product or service
• Applying for a credit card or financial product
• Requesting or purchasing travel insurance
• Registering for a service
• Starting a free trial
• Booking travel
• Completing another action defined by the partner

Using one of our links generally does not create a separate fee charged by thePointsPage. The price, eligibility, terms, and availability of the product or service are established by the applicable provider.

4. Credit Card Links and Referrals

thePointsPage may provide credit card information, application links, referral links, or links to third-party referral sources.

We may receive compensation in the form of cash, points, miles, referral bonuses, account credits, commissions, or other value when a reader uses an eligible link or is approved for a product.

Not every credit card issuer, product, or available offer is represented on thePointsPage. Compensation may affect which commercial relationships or application links are available to us, but it does not guarantee favorable coverage or a positive recommendation.

Credit card offers, welcome bonuses, annual fees, benefits, eligibility requirements, and approval standards are controlled by the applicable issuer and may change without notice.

Before applying, review the complete terms and current public offer provided by the issuer. Approval and welcome-offer eligibility are determined exclusively by the financial institution.

5. Travel Insurance Compensation

thePointsPage offers travel insurance information, consultations, quote assistance, and links through which visitors may compare or purchase coverage.

TPP Consulting, LLC or its licensed representatives may receive a commission, agent compensation, referral fee, or other compensation when a policy is quoted, purchased, or issued through certain links, marketplaces, insurers, or agency relationships.

Compensation does not create insurance coverage and does not determine whether a claim will be covered. Coverage is governed solely by the terms, exclusions, limitations, conditions, and benefits of the issued policy.

Visitors should review the complete policy and confirm that it is appropriate for their needs before purchasing.

6. Amazon Associate Disclosure

thePointsPage participates in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for websites to earn advertising fees by advertising and linking to Amazon.

Product prices, availability, shipping terms, seller information, and return policies are controlled by Amazon or the applicable third-party seller and may change at any time.

7. Google AdSense and Display Advertising

We use Google AdSense and may use other advertising networks or platforms to display advertisements on the website.

We may receive revenue based on advertising impressions, clicks, conversions, or other arrangements established by the applicable advertising provider.

Advertisements may be selected contextually or personalized based on factors such as page content, general location, browser or device information, consent choices, and previous activity, depending on applicable law and the visitor’s privacy settings.

Displaying an advertisement does not mean that thePointsPage has reviewed, tested, recommended, or endorsed the advertised product, company, or service.

Additional information about advertising cookies and privacy choices is available in our Privacy Policy .

8. Sponsored Content and Paid Partnerships

thePointsPage may occasionally publish sponsored articles, social posts, emails, videos, graphics, reviews, or other content created in connection with a paid partnership.

Sponsored or paid content will be identified using language such as:

• Sponsored
• Paid partnership
• Advertisement
• Presented by
• In partnership with
• Includes paid promotion

A sponsor may provide compensation, creative materials, talking points, access, products, or other consideration. We retain the right to decline partnerships or content that we do not believe is appropriate for our audience.

9. Complimentary Products, Travel, and Services

We may occasionally receive complimentary or discounted products, memberships, travel, lodging, event access, experiences, services, or other benefits.

When content discusses a product or experience received at no cost or at a discount, we will make a reasonable effort to disclose that relationship within or near the relevant content.

Receipt of a complimentary product or experience does not guarantee favorable coverage.

10. Reviews, Recommendations, and Editorial Independence

Reviews, opinions, ratings, valuations, and recommendations reflect thePointsPage’s editorial judgment at the time they are published.

Compensation does not purchase a positive review, guaranteed placement, or a specific editorial conclusion.

However, commercial relationships may affect which products, services, links, promotions, or advertising opportunities are available for us to feature. We do not claim to evaluate or include every product, company, issuer, insurer, loyalty program, or offer available in the marketplace.

Our opinions may change as products, programs, benefits, pricing, terms, or personal experiences change.

11. Social Media, Email, Video, and Other Platforms

Compensation disclosures may also appear in content distributed outside the website, including:

• Facebook posts and groups
• Instagram posts, Stories, and Reels
• X or Twitter posts
• LinkedIn posts
• YouTube or other videos
• Email newsletters
• Podcasts or live presentations

Depending on the platform and format, disclosures may use plain language or labels such as:

• Ad
• Sponsored
• Affiliate link
• Paid partnership
• We may earn a commission
• We may receive a referral bonus

Platform-provided partnership or sponsorship tools may be used in addition to, rather than as a replacement for, a written or spoken disclosure.

12. Article-Level and Link-Level Disclosures

This page provides an overview of our advertising and compensation relationships. It does not replace disclosures placed within specific content.

When an article, review, email, post, video, or recommendation contains compensated links or discusses a material relationship, a shorter disclosure may appear near the content or links.

13. Prices, Offers, and Availability

Prices, promotions, credit card offers, travel availability, award pricing, insurance options, and product terms may change without notice.

We make reasonable efforts to provide useful and current information, but we do not guarantee that:

• An offer remains available
• A price or bonus is still accurate
• A product is available in your location
• You will qualify for a product or promotion
• A link will lead to the same offer seen by another visitor
• A product or service is appropriate for your circumstances

Always verify the final terms, price, eligibility requirements, and conditions directly with the provider before completing a transaction.

14. Third-Party Responsibility

Products, applications, policies, advertisements, purchases, bookings, and other transactions completed through third-party links are provided and controlled by those third parties.

thePointsPage is not responsible for a third party’s:

• Approval or eligibility decisions
• Prices, offers, or product availability
• Website operation or security
• Privacy or data practices
• Customer service
• Shipping, returns, or refunds
• Insurance coverage or claims decisions
• Changes to terms, benefits, or loyalty programs

Your interaction with a third party is governed by that party’s own terms, disclosures, and privacy policies.

15. Reader Responsibility

Readers are responsible for evaluating products, services, offers, and recommendations in light of their own needs, financial circumstances, travel plans, and risk tolerance.

Content on thePointsPage is informational and educational and should not be treated as individualized legal, tax, financial, investment, medical, or insurance-coverage advice.

Consider consulting an appropriate qualified professional when making decisions requiring personalized advice.

16. Changes to This Disclosure

We may update this Advertiser Disclosure periodically to reflect changes in our website, partnerships, services, advertising practices, or legal obligations.

Updated versions will be posted on this page with a revised “Last updated” date.

17. Related Policies

18. Contact Information