Why Trust Loyalty Concierge
Loyalty Concierge was built around one simple philosophy: members should understand why recommendations are made, how information is maintained, and how the company operates.
This page is our commitment to explaining all of that — clearly, honestly, and in one place.
We explain how we reach every recommendation, in plain language.
We work to keep card and program information current, and correct errors quickly.
We ask only for what is needed and never require a connection to your bank.
Recommendations reflect what is best for you — not what pays us the most.
We refine our data, reasoning, and product based on member feedback.
Our Recommendation Principles
What guides every recommendation surfaced by Loyalty Concierge.
- We maximize the value of the cards you already own before recommending new ones.
- Every recommendation is personalized to the information you share with us.
- Affiliate relationships never determine how recommendations are ranked.
- If your existing wallet is already optimal, we will tell you — no move is a valid move.
- Recommendations are educational information, not financial, legal, or tax advice.
How We Verify Card Information
Card information is reviewed using a combination of official and human sources.
- Official issuer websites
- Official rewards program documentation
- Public terms and conditions
- Internal review by our team
- Member-submitted corrections
- Human verification before significant updates
We do not claim that every card is always perfectly up to date. Card programs change regularly, and maintaining accuracy across the Canadian market is an ongoing process. When something looks wrong, please tell us — corrections make the product better for everyone.
Our Data Standards
The internal standards we hold our card database and recommendations to.
- Card information is reviewed on a regular cadence.
- Official issuer information is prioritized whenever available.
- Members can report inaccuracies directly from any card recommendation.
- Reported corrections are reviewed and incorporated as appropriate.
- Our card database improves continuously over time.
Privacy
A short, plain-language summary. The full policy has the details.
What we collect. The cards you carry, your goals, roughly where you spend, and account basics like your email address.
Why we collect it. To personalize recommendations and improve the product for members like you.
How it is used. Only to power Loyalty Concierge. We do not sell your information.
You stay in control. You can update or remove your information at any time.
Read the full Privacy Policy.
Security
Security measures currently in place at Loyalty Concierge.
- Secure authentication for member accounts.
- Encrypted connections (HTTPS) across the entire platform.
- Responsible handling of the personal information you share with us.
We only describe protections that actually exist today. As our security program matures, we will update this section accordingly.
Affiliate Transparency
How we think about affiliate relationships — and what they never do.
- Some recommendations may include affiliate links to card issuers.
- Members never pay additional fees when using an affiliate link.
- Affiliate relationships never determine how recommendations are ranked.
- We recommend what is best for the member — even when that means recommending no new card at all.
See our Affiliate Disclosure for the full policy.
Corrections & Feedback
If something looks wrong, please tell us. Corrections make the product better for every member.
- Incorrect card information (rewards rates, categories, benefits)
- Outdated welcome offers or bonuses
- Incorrect annual fees
- Broken links
- Any other inaccuracy you spot
Every card recommendation across Loyalty Concierge includes a Report an Issue link. You can also use the general form below, or email us directly at support@loyaltyconcierge.ca.
Our Product Roadmap
A high-level view of what's shipped, what's underway, and what's next.
- Card Trust Framework with verification metadata and member reporting
- Data Health dashboard for internal review
- Wallet IQ scoring for every merchant and category
- Rewards Audit that works before signup
- Deeper personalization for goals and shopping habits
- Expanded coverage of Canadian rewards programs
- Improved sourcing metadata on card recommendations
- Public changelog for card database updates
- Platform status page
- Published recommendation methodology
Roadmap is informational and reflects current plans. Timelines may change as we learn more from members.
Frequently Asked Questions
How are recommendations created?＋
Recommendations start with the cards you already own. We score how well your wallet earns for your actual spending, then evaluate whether a change — reallocating spend, adjusting a redemption, or considering a new card — would produce meaningfully more value. Rankings are driven by expected value to you, not by affiliate relationships.
Do I need to connect my bank account?＋
No. Loyalty Concierge never connects to your bank and never sees your transactions. You tell us which cards you carry and roughly where you spend — that is enough for us to help.
How often is card information updated?＋
We review card information on a regular cadence and prioritize official issuer sources. Loyalty programs change frequently, so information can occasionally lag reality. If you spot something wrong, please tell us and we will review it.
How does Loyalty Concierge make money?＋
The product is free during beta. Over time, some links may become affiliate links — meaning we may earn a commission when you are approved for a product. Members never pay more, and affiliate relationships never determine rankings.
Can I update my Wallet IQ?＋
Yes. You can add, remove, and reorder cards in your wallet at any time, and update your goals and spending. Recommendations refresh whenever your inputs change.
Why might recommendations change over time?＋
Card benefits change, your spending changes, and our data quality improves. When any of those shift, recommendations should reflect the new reality. We would rather update our advice than leave you with a stale answer.
Our Commitment to Continuous Improvement
Loyalty Concierge is a living product. It will keep improving as loyalty programs evolve, financial products change, and members share feedback.
- Loyalty programs and credit card offerings change frequently.
- We regularly review and improve our card database and recommendations.
- We welcome member feedback and corrections — they meaningfully improve the product.
- If we make a mistake, we want to know so we can correct it.
- Transparency and continuous improvement are core principles of Loyalty Concierge.
Have a suggestion or a correction? Email support@loyaltyconcierge.ca.