Terms of Service

Last updated · 15 May 2026

These Terms of Service (“Terms”) govern your use of milesmosaic.com (the “Site”) and any product features operated by Miles Mosaic, currently run by Daan Zwets pending incorporation as Miles Mosaic Pte. Ltd. in Singapore (“Miles Mosaic”, “we”, “us”), including the Explorer (free) tier and the Pro (paid) tier of the loyalty tracker (together, the “Service”). By creating an account, subscribing to Pro, or otherwise using the Service, you agree to these Terms.

If you don’t agree to these Terms, don’t use the Service. The Site itself remains freely readable as an editorial publication under our editorial policy; account-bound features require acceptance of these Terms.

1. Acceptance of these Terms

By signing up for a Miles Mosaic account, by visiting the Site while authenticated, or by paying for the Pro subscription, you confirm that you have read, understood, and agreed to be bound by these Terms and by our Privacy Policy and Cookie Policy, both of which are incorporated by reference. You must be at least 16 years old to create a Miles Mosaic account; we do not knowingly accept registrations from children below that age.

2. Creating an account

You can register a Miles Mosaic account using an email address and password or through a supported third-party identity provider (currently Google). You are responsible for keeping your credentials confidential and for everything that happens under your account.

You agree to provide accurate information when registering, and to keep it accurate while your account is open. You may not register an account on behalf of another person without their authority, register more than one account with a single email address, or share an account with another person. Each natural person uses one account.

If you suspect your account has been accessed without your authorisation, change your password immediately and write to security@milesmosaic.com.

3. Use of the Service

Subject to these Terms, we grant you a personal, non-exclusive, non-transferable, revocable licence to access and use the Service for your own non-commercial purposes: principally tracking your own loyalty programme balances, reading the editorial content, and using the dashboard features available to your tier.

The Service is offered ‘as is’ for that personal use. You may not use the Service to provide a paid analytics offering to third parties, to operate a competing tracker, or to ingest another person’s data without their consent.

4. Subscription (Pro) terms

Pro is an optional paid subscription priced at US $14.99 per calendar month, billed in advance. The subscription automatically renews each month until you cancel. Prices are shown inclusive of any VAT that applies in your country; the breakdown appears on every receipt. The next renewal date and amount are always shown on your account settings page. See section 5 for the ‘Cancel my Pro subscription’ button, the EU/UK cancellation route, and the California Automatic Renewal Law disclosures.

Payments are processed by our payment processor under their own terms. We do not store your full card number, only the last four digits and the expiry month for your reference and ours. Failed payments result in a short grace period during which we will retry the charge and email you; if the payment cannot be collected within that window your account drops back to Explorer.

5. Cancellations and refunds

You can cancel Pro at any time from the ‘Cancel my Pro subscription’ button on your account settings page, or by writing to billing@milesmosaic.com. Cancellation takes effect at the end of the current paid period. You keep Pro features until then, and you are not charged again. We will not retain any cancellation fee. Cancelling does not delete your account; you remain a Miles Mosaic user on the Explorer tier.

Refund window. If you upgrade to Pro and decide it’s not for you within the first 14 days after the initial Pro charge, write to billing@milesmosaic.com and we will refund that first month. After the first 14 days, months already billed are not refundable; only the prospective portion is cancelled. Nothing in this section limits any consumer-protection rights you may have under Singapore’s Consumer Protection (Fair Trading) Act 2003, EU consumer law, or any other mandatory consumer-protection regime that applies to you.

Right to cancel your contract (EU/UK consumers)

If you are a consumer resident in the European Union, the European Economic Area, or the United Kingdom, you have a statutory right to cancel your Pro subscription at any time, and a statutory 14-day right of withdrawal from your initial Pro signup. This section implements Directive (EU) 2023/2673 (amending the Consumer Rights Directive 2011/83/EU), which applies from 19 June 2026.

How to cancel. You can cancel directly via the ‘Cancel my contract’ button on your account settings page. The button works in a single click: you will not be asked to call a phone line, send an email, fill out a friction form, justify your decision, or wait for a manual review. This satisfies your statutory right under Directive (EU) 2023/2673 to a clear and easy cancellation function.

14-day right of withdrawal. Within 14 days of your initial Pro subscription you may withdraw from the contract without giving any reason. To exercise this right, click the ‘Cancel my contract’ button on your account settings page or write to billing@milesmosaic.com with a clear statement that you wish to withdraw. We will reimburse all payments received within 14 days of receiving your withdrawal notice. If you ask for the Pro service to begin immediately on signup, and you then withdraw within the 14-day window, we will charge a pro-rata amount for the service you have used up to the date of withdrawal.

UK consumers retain all rights under the Consumer Rights Act 2015, including the right to a remedy if a digital service does not meet the statutory quality standards in §§34–36 of that Act. UK consumers also have specific rights under Part 4 of the Digital Markets, Competition and Consumers Act 2024 once those provisions take effect.

California subscribers: Automatic Renewal

This block applies if you are a California resident or your subscription is otherwise governed by California Business and Professions Code §§17600–17606 (the “Automatic Renewal Law,” as amended by AB 2863 effective 1 July 2025).

Acknowledgment of Disclosure. When you sign up for Pro you will be shown a separate ‘Acknowledgment of Disclosure’ section, distinct from the general agreement to these Terms, and you will be asked to tick a confirmation box to accept the auto-renewal terms below. We retain a record of that acknowledgement. The terms acknowledged are:

• Pro is priced at US $14.99 per calendar month, billed in advance.
• The subscription will continue and automatically renew each month until you cancel.
• The renewal period is one calendar month and the renewal charge is US $14.99 per renewal period.
• You can cancel at any time using the ‘Cancel my Pro subscription’ button on your account settings page or by writing to billing@milesmosaic.com. Cancellation takes effect at the end of the current paid period and we do not retain a cancellation fee.

Pre-renewal notification (subscriptions of one year or longer). If you ever subscribe to a Pro plan with a term of one year or longer, we will send you a renewal notice by email between 3 and 21 days before each renewal, identifying the renewal date, the renewal amount, and a link to the cancellation process.

Price changes. If we change the renewal price, we will tell you by email at least 30 days before the change takes effect, with instructions on how to cancel.

Same-medium cancellation. Because you can sign up online, you can cancel online. The cancellation flow runs entirely on the website in the same medium as the signup, in line with BPC §17602(c).

Annual reminder. We will send an annual reminder email confirming your active Pro subscription, the renewal price, and how to cancel.

This paragraph satisfies California Business and Professions Code §§17600–17606.

6. Content ownership

Our content. The Miles Mosaic name, the ‘Miles Mosaic’ logo, the editorial articles, the programme-rule databases we maintain, the site design, and the software that runs the Service are owned by Miles Mosaic and protected by copyright, trademark, and other intellectual property laws. Nothing in these Terms transfers ownership of any of that to you.

Your content. The data you enter into the tracker (programme balances, tier names, notes, and similar) remains yours. You grant us a limited licence to host, display, and operationally process that data for the purpose of providing the Service to you. We do not claim any other rights over your tracker data and we do not use it to train any generally available model.

Submissions. If you send us feedback, feature suggestions, bug reports, or other voluntary communications, you agree we can use them without obligation or compensation.

7. Acceptable use

In addition to the general restrictions above, you agree not to:

• Scrape, spider, or harvest the Site by automated means beyond the cadence of a normal human reader, except where our robots.txt explicitly permits it;
• Submit automated requests against the dashboard or API beyond reasonable per-account rate limits, or build a robot that types data into the tracker on behalf of multiple users;
• Impersonate another person, misrepresent your affiliation with any airline or hotel programme, or use the Service to defraud another party;
• Probe, scan, or test the vulnerability of the Site or its infrastructure except where we have authorised it in writing through our responsible disclosure programme;
• Use the Service to transmit any malware, virus, or harmful code;
• Use the Service in violation of any export-control or sanctions regulation that applies to you;
• Reverse-engineer, decompile, or attempt to extract the source code of the Service except to the extent applicable law expressly permits.

8. Intellectual property, DMCA & EU/UK notice-and-action

8.1 DMCA (United States)

We respect intellectual property rights and ask the same of our users. If you believe that content available through the Service infringes a copyright you hold, send a notice that complies with the U.S. Digital Millennium Copyright Act to legal@milesmosaic.com or to our designated agent at notice@milesmosaic.com. A complete notice should identify the work, the location of the allegedly infringing material, your contact information, a statement of good-faith belief, and a statement under penalty of perjury that you are the rights-holder or authorised to act on their behalf.

8.2 EU and UK notice-and-action mechanism (DSA Article 16)

Independently of the DMCA, we operate a notice-and-action mechanism under Article 16 of the EU Digital Services Act (Regulation (EU) 2022/2065) and equivalent UK rules. If you believe any content available through the Service is unlawful under the law of an EU member state or under UK law (including content that is defamatory, that violates a trademark or other intellectual-property right, that violates the GDPR or UK GDPR, or that infringes any other applicable law) write to notice@milesmosaic.com with:

• A sufficiently substantiated explanation of why you consider the content unlawful;
• A clear identification of the content (URL or precise description of its location);
• Your name and contact information (except where the content allegedly infringes privacy or other personality rights and providing identifying information would itself harm you);
• A statement that the notice is submitted in good faith.

We will acknowledge receipt promptly and decide on the notice without undue delay. Where we restrict or remove content as a result, we will provide a clear and specific Statement of Reasons to the affected user, in line with DSA Article 17, explaining the legal or contractual ground for the decision, the facts and circumstances relied on, and the available redress options. Users whose content has been restricted can appeal the decision by writing to notice@milesmosaic.com.

9. Disclaimers and warranties

In particular: the loyalty programme balances, tier qualifications, and forecasted expiries shown in the tracker are derived from data you have entered yourself and from publicly available programme rules that may change without notice. We make a sustained effort to keep the programme rules accurate (see our editorial policy), but we cannot guarantee that any specific balance, tier projection, or expiry date is correct or current. You are responsible for verifying any figure that matters to you with the loyalty programme itself before acting on it.

The editorial content on the Site is not financial advice and is not a recommendation to buy any specific credit card, take any specific trip, or commit to any specific status run. It is a reasoned, independent opinion offered for your information.

10. Limitation of liability

To the maximum extent permitted by applicable law, Miles Mosaic, its directors, employees, agents, suppliers, and licensors will not be liable for any indirect, incidental, special, consequential, or punitive damages, including lost profits, lost miles or status, lost travel opportunities, loss of goodwill, or loss of data, arising out of or in connection with your use of the Service, whether based on warranty, contract, tort, or any other legal theory.

Where the law does not allow that exclusion to apply, our aggregate liability to you for any claim arising out of these Terms or the Service is limited to the greater of (a) the total fees you have paid us in the 12 months preceding the event giving rise to the claim, or (b) one hundred euro (€100).

Nothing in these Terms limits liability that cannot be limited under applicable law, including liability for death, personal injury caused by negligence, fraud, or fraudulent misrepresentation.

11. Indemnification

You agree to indemnify and hold Miles Mosaic harmless from and against any claim, demand, loss, or expense (including reasonable legal fees) arising out of (i) your breach of these Terms, (ii) your violation of any applicable law, or (iii) your infringement of any third-party right through your use of the Service. We will tell you promptly of any such claim and will reasonably cooperate with you in its defence at your expense.

12. Termination

You can terminate your relationship with Miles Mosaic at any time by deleting your account from the settings page or by writing to us. Cancelling Pro does not terminate your account; deleting the account does.

We may suspend or terminate your access to the Service if you materially breach these Terms, if we are legally required to, or if your use threatens the integrity or availability of the Service for other users. Where the breach is curable we will typically tell you about it first and give you a reasonable window to fix it. Termination does not affect any provision that, by its nature, should survive (such as ownership, disclaimers, limitation of liability, indemnification, governing law, and dispute resolution).

13. Governing law

These Terms are governed by the laws of Singapore, without regard to its conflict-of-laws rules. If you are a consumer resident in the European Union, the European Economic Area, the United Kingdom, the State of California, or another jurisdiction whose law gives you mandatory consumer-protection rights, those protections continue to apply to you in addition to (and where they conflict, in place of) this choice of law.

EU and UK consumers: your home-court rights are mandatory law. If you are a consumer resident in the European Union, the European Economic Area, or the United Kingdom, applicable law guarantees your right to bring proceedings against us in the courts of your country of residence, regardless of any choice-of-jurisdiction clause in these Terms. We acknowledge this is a mandatory rule of consumer-protection law (in particular Regulation (EU) No 1215/2012, the Brussels I Recast, and equivalent UK provisions) and not a goodwill concession. California residents: please also review the California-specific section of our Privacy Policy.

14. Dispute resolution

Before starting any formal legal proceedings, we ask you to write to legal@milesmosaic.com with a clear description of the dispute and how you’d like to see it resolved. We commit to engaging with the email within 30 days. If the dispute remains unresolved after that, you and Miles Mosaic agree to refer the dispute to the Singapore International Arbitration Centre (SIAC) for arbitration under the SIAC Rules then in force, seated in Singapore and conducted in English.

Singapore consumers may instead bring claims of low value before the Small Claims Tribunals where they qualify under the Tribunal’s thresholds.

EU/EEA consumers may bring proceedings in the courts of their country of residence as required by EU consumer-protection law (see section 13). The European Commission’s Online Dispute Resolution platform was discontinued on 20 July 2025, so we no longer link to it; EU consumers may instead raise complaints with their national consumer-protection authority or the European Consumer Centre Network (ECC-Net) at commission.europa.eu/.../resolve-your-consumer-complaint.

US consumers: alternative forum. If you are a consumer resident in the United States, you and Miles Mosaic agree that any dispute may, at your option, be resolved by binding arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules, with the arbitration to take place in the county of your residence or by telephone or video. You may also bring a claim in your local small-claims court where it qualifies. Notwithstanding the class-action waiver below, nothing in these Terms denies you any right to pursue an individual claim before a US regulator (for example the FTC or a state attorney general).

Class-action waiver. All disputes between you and Miles Mosaic will be resolved on an individual basis. You agree not to participate as a representative or member of any purported class, collective, or consolidated proceeding. Where this clause is unenforceable against you under your local consumer-protection law (including in the European Union, the United Kingdom, and California), it does not apply to you and the underlying dispute may be resolved through whatever class or collective mechanism your local law provides.

15. Changes to these Terms

We may update these Terms from time to time. When we do, we will update the ‘Last updated’ stamp above. For material changes (changes that meaningfully affect your rights or obligations) we will additionally notify registered users by email at least 14 days before the change takes effect. If you do not agree with the change, your remedy is to stop using the Service and, if you wish, to delete your account before the change takes effect.

16. Severability and entire agreement

If any provision of these Terms is found unenforceable, the rest remain in force. Our failure to enforce a right or provision is not a waiver of it. These Terms, together with the Privacy Policy and the Cookie Policy, constitute the entire agreement between you and Miles Mosaic relating to the Service. You may not assign your rights under these Terms; we may assign ours to a successor in connection with a merger, acquisition, or sale of substantially all of our assets.

17. Contact

For any legal question or notice about these Terms, write to our legal team.