Terms of Service

1. Agreement

These terms are a binding agreement between you and EarnTable (the “Service”), together with our Privacy Policy, which is incorporated by reference. By accessing or using the Service, you agree to these terms. If you don't agree, don't use the Service. We may treat your continued use after any change as acceptance of the current version.

2. What EarnTable is

EarnTable is an informational directory. We aggregate publicly available restaurant listings from dining rewards and credit programs, and we display two kinds of information: reports and comments submitted by community members, which are their own statements and not ours, and signals we may generate from changes we observe in publicly available data, which are our own automated estimates and not statements of fact about any business. We do not adopt, endorse, or verify community content. We do not currently process reservations, payments, or rewards, and we have no control over any program's eligibility rules.

3. No guarantee of accuracy

Restaurant eligibility, credits, offers, and program terms change at any time, without notice to us or to you. Listings can be stale, incomplete, or wrong. Community reports reflect individual experiences, not promises. We make no guarantee that any listed restaurant currently qualifies for any credit or reward. Always confirm eligibility in the official program app and with your card issuer before you rely on a listing.

Warnings, flags, and “stale” or “may no longer qualify” signals are not statements that any restaurant or program has done anything wrong. They may reflect aggregated community reports, or they may be automated inferences we draw from changes in publicly available data. They are opinions and estimates that may be incomplete or wrong.

4. Not financial advice

Nothing on the Service is financial, legal, or tax advice. Decisions about cards, spending, and rewards are yours alone.

5. Eligibility and accounts

The Service is intended for users in the United States, and it is not directed to children under 13. Some features require an account, which we confirm using a one-time code sent to your email. You're responsible for activity under your account. We may suspend or terminate accounts at our sole discretion, including for violations of these terms or abuse of the Service.

6. Community content

When you submit reports, comments, or other content, you grant us a worldwide, royalty-free, sublicensable license to host, store, reproduce, adapt, display, and aggregate that content as part of the Service (for example, in warnings shown on restaurant pages). You represent that you have the rights needed to submit the content and to grant this license, and that the content does not violate any law or third-party right. Submit only truthful reports of your own experience. Don't post content that is unlawful, deceptive, or that includes someone else's personal information. We may moderate or remove content at our sole discretion. If you delete your account, we may continue to use aggregated, de-identified signals derived from your content (for example, warning counts), and we may stop displaying content that identifies you.

7. Feedback

If you send us suggestions or feedback, you grant us a perpetual, irrevocable, royalty-free right to use them for any purpose, without any obligation or payment to you.

8. Acceptable use

Don't interfere with the Service, attempt to access non-public areas, overload or disrupt the Service (for example, through denial-of-service attacks), or use the Service to spam, defraud, or manipulate community reports and warnings.

9. Third parties and trademarks

EarnTable is an independent project, not affiliated with, endorsed by, or sponsored by American Express, Chase, Resy, OpenTable, Bilt, Rakuten, Rewards Network, Seated, Blackbird, InKind, Franki, or any restaurant or program operator. We refer to these names and any logos only to identify programs and describe where their benefits may apply, which is a descriptive, nominative use, and not a claim of sponsorship or endorsement. Trademarks belong to their respective owners, and we claim no rights in them. Links to third-party sites are provided for convenience, and their content and policies are their own.

10. Copyright and content complaints

If you believe content on the Service infringes your copyright or other rights, send us enough detail to locate it through our feedback form, and we may remove or disable it at our sole discretion. We may also terminate accounts of repeat infringers.

11. Disclaimer of warranties

The Service, including all listings, community reports, and third-party content, is provided “as is” and “as available,” without warranties of any kind, express or implied, including accuracy, availability, non-infringement, uninterrupted or error-free operation, merchantability, and fitness for a particular purpose. We do not warrant any content submitted by users or obtained from third parties.

12. Limitation of liability

To the fullest extent permitted by law, EarnTable and its operators are not liable for any indirect, incidental, consequential, or punitive damages, or for any missed credits, rewards, offers, or dining costs arising from your use of the Service, even if we have been advised of the possibility of such damages. Our total aggregate liability for any and all claims is limited to the greater of one hundred U.S. dollars ($100) or the amounts you paid us, if any, in the twelve months before the claim. Some jurisdictions do not allow certain limitations, so parts of these limits may not apply to you.

13. Indemnification

You agree to indemnify and hold harmless EarnTable and its operators from any claims, damages, losses, and expenses (including reasonable legal fees) arising out of content you submit, your use of the Service, or your violation of these terms or of any law or third-party right.

14. Fees and future features

The Service is currently offered free of charge. We may, at our sole discretion, introduce paid features, subscriptions, or other charges, or change how the Service is offered, at any time. New paid features may be subject to additional terms presented at that time.

15. Changes

We may update these terms as the Service evolves. The “last updated” date above reflects the current version, and continued use after a change means you accept the updated terms. We may modify or discontinue any part of the Service at any time.

16. General

You may not assign or transfer your rights under these terms. We may assign or transfer these terms, in whole or in part, at our sole discretion, including in connection with a merger, acquisition, financing, or sale of assets. If any provision of these terms is found unenforceable, it will be limited or removed to the least extent necessary, and the remaining provisions stay in full force. These terms, together with the Privacy Policy, are the entire agreement between you and EarnTable regarding the Service, and our failure to enforce any provision is not a waiver of it. Provisions that by their nature should survive termination, including the content license, disclaimers, limitation of liability, and indemnification, survive termination of your account or these terms. Section headings are for convenience only and do not affect interpretation.

17. Contact

Questions, corrections, or removal requests: send us feedback.