2XPoints Terms & Conditions

Last Updated: November 25, 2025

Welcome to 2XPoints (“2XPoints,” “we,” “us,” “our”). These Terms & Conditions (the “Terms”) govern your access to and use of the 2XPoints website, mobile application, card-linking services, and rewards platform (the “Services”).

By creating an account, linking a card, earning or redeeming points, or using any part of the Services, you agree to be bound by these Terms.
If you do not agree, you must stop using the Services.

1. Program Overview

2XPoints is a card-linked rewards program that allows members (“you,” “your”) to earn points for qualifying purchases made with an enrolled credit card at participating merchants, and redeem those points for rewards such as cash back, gift cards, or other available offers.

2XPoints may offer promotions, bonuses, or special offers that are subject to additional rules.

Points earned through 2XPoints are separate from and in addition to any rewards offered by your credit card issuer.

2. Eligibility

To use the Services, you must:

• Be at least 18 years old
• Have a valid Visa or Mastercard credit card (debit cards generally not supported)
• Provide accurate account information
• Agree to card network data-sharing terms
• Use the Services for personal, lawful purposes

You may only enroll cards that belong to you.

3. Card-Linking Authorization & Transaction Data

When you link a card, you authorize:

3.1 Card Networks (Visa/Mastercard)

to monitor transactions made with your enrolled card and securely share tokenized transaction data with 2XPoints.

3.2 Types of Transaction Data Received

We may receive:

• Date and time of transaction
• Transaction amount
• Merchant name
• Merchant category code (MCC)
• Tokenized card identifier
• Location data where permitted by the card network

We never receive your full card number, CVV, or expiration date.

3.3 Tokenization

At card enrollment, Visa/Mastercard create a secure token representing your card.
2XPoints only receives the token—not the card number.

3.4 Use of Transaction Data

Transaction data is used solely to:

• Identify qualifying transactions
• Calculate earned points
• Determine eligibility for offers
• Provide personalized, time-based, or location-based rewards
• Prevent fraud or misuse
• Provide aggregated reporting to merchants
• Improve the Services

You may unlink your card at any time, but doing so may limit functionality.

4. Earning Points

You may earn points through:

4.1 Standard Earning

Qualifying purchases at participating merchants using your enrolled credit card.

4.2 Bonus Offers

Merchant-funded or program-funded promotions may offer extra points for:

• First-time visits
• Spend thresholds
• Buying specific products
• Promotional periods
• Visiting specific locations
• Using enabled features (e.g., geolocation)

4.3 Posting Delays

Points generally post within 1–7 business days, but processing may take up to 30 days depending on card network settlement times.

2XPoints is not responsible for merchant delays or card network interruptions.

5. Redeeming Points

Points may be redeemed for:

• Gift cards
• Cash-back style rewards
• Experiences or merchant rewards
• Additional redemption options listed in the platform

Redemption values may vary and are subject to availability.
All redemptions are final.

6. Points Have No Monetary Value

Points:

• Are not cash
• Have no intrinsic monetary value
• Do not carry over outside the 2XPoints platform
• Are non-transferable
• Do not accrue interest

2XPoints may modify point values, earning rules, or redemption rules at any time.

7. Fraud, Abuse & Misuse

2XPoints may suspend, limit, or terminate your account if we detect:

• Fraudulent card activity
• Attempted manipulation of offers
• Self-dealing (purchasing your own merchant services)
• Multiple accounts created for one user
• Misuse of referral programs
• Inaccurate or misleading account information
• Abuse of promotions
• Chargebacks or excessive returns

We may reverse, deduct, or deny points earned through improper activities.

8. Your Responsibilities

You agree to:

• Provide accurate and updated account details
• Only link cards you legally own
• Keep your login credentials secure
• Notify us of suspected fraud
• Use the platform only for lawful purposes
• Comply with offer-specific conditions

9. Communications & Consent

By using the Services, you consent to receive:

9.1 Email Communications

Including:

• Account updates
• Reward notifications
• Promotional offers
• Security alerts

You may unsubscribe from marketing emails at any time.

9.2 SMS/Text Messages

If you provide a mobile number, you may receive:

• Reward alerts
• Verification codes
• Offer reminders
• Security notifications

Reply STOP to opt out.

9.3 Push Notifications

If enabled on your device, you may receive real-time reward and offer alerts.

9.4 Geolocation Data

If enabled, location may be used to:

• Provide nearby merchant offers
• Improve personalization
• Enhance fraud detection

You may disable location services at any time in your device settings.

10. Anonymous & Aggregated Data

2XPoints may create and use anonymous, aggregated data for:

• Analytics
• Merchant performance reporting
• Market insights
• Platform optimization

This information does not identify you and may be shared with partners.

11. Modifications to the Program

2XPoints may modify or discontinue:

• Points earning rules
• Redemption options
• Merchant participation
• Program features
• Bonus structures

Material changes will be posted on our website.

12. Account Termination

We may suspend or terminate your account if:

• You violate these Terms
• Required card authorizations are revoked
• Fraud is detected
• The program is discontinued

If your account is terminated, unredeemed points may be forfeited.

You may close your account at any time by contacting support.

13. Merchant Participation

Participating merchants are responsible for:

• Funding merchant-issued points or offers
• Honoring published offers
• Ensuring product accuracy
• Complying with applicable laws

2XPoints is not responsible for merchant goods, services, pricing, or actions.

14. Disclaimers

The Services are provided “as is” and “as available” without warranties of any kind.

2XPoints does not guarantee:

• Any minimum amount of points
• Availability of all redemption rewards
• Continuous or error-free operation
• Accuracy of offer details or merchant content

15. Limitation of Liability

To the maximum extent permitted by law:

• 2XPoints is not liable for indirect, incidental, punitive, or consequential damages
• Our total liability shall not exceed $100
• We are not responsible for card network delays, merchant performance, or third-party service outages

Your sole remedy for dissatisfaction is to discontinue use of the Services.

16. Governing Law & Arbitrationneva

These Terms are governed by the laws of the State of California.

Any dispute arising from these Terms or your use of the Services shall be resolved by binding arbitration on an individual basis, not in a class or collective action.

17. Updates to These Terms

We may update these Terms from time to time.
The “Last Updated” date reflects the latest version.

Continued use of the Services indicates acceptance of updated Terms.

18. Contact Information

For questions regarding these Terms, please contact:

2XPoints Support
Email: info@2xpoints.com
Website: www.2xpoints.com