Code of conduct

Welcome to Ratesopedia, part of Milesopedia Group. To ensure respectful and constructive exchanges, this code of conduct applies to all our online platforms.

Applicable Platforms

• Milesopedia Group websites
  • milesopedia.com (Canadian market)
  • milesopedia.fr (French and European market)
  • milesopedia.us (United States market)
  • ratesopedia.com (Canadian market)
  • milesopedia.group (institutional/global site)
• Facebook groups and our other social media communities (Reddit, Instagram, LinkedIn, etc.)
• Comments on articles and any communication addressed to the team (private messages, contact forms, emails, etc.)

Our goal is to provide a space where everyone can ask questions, share tips, and interact in an atmosphere of respect, goodwill, and mutual support.

1. Respect and kindness above all

Respect for members and team

• Abusive, defamatory, hateful, or discriminatory comments (e.g., racist, sexist, homophobic, or xenophobic in nature) are strictly prohibited. Any vulgar or offensive remarks will be moderated to maintain a courteous environment.
• No personal attacks are tolerated. Any insult, mockery, or behavior intended to disparage another member or a team member will be immediately moderated. Focus on the content of the discussion, not on the individuals.
• Adopt a courteous and constructive tone. A sarcastic, condescending, or aggressive tone harms the quality of exchanges and discourages participation. Remain polite, use language understandable by all, avoid writing your messages in ALL CAPS (except for acronyms), and moderate the excessive use of punctuation or emojis.
• Impersonation is prohibited. Do not impersonate another member or a Milesopedia representative. Impersonating others is a serious offense and will be severely sanctioned.
• Keep in mind that there is a real person behind every screen. Do not say anything online that you would not be able to say face-to-face, with the same respect and empathy.

Specific rules on sensitive subjects

Debates are welcome and enrich the community, but some topics require a particularly respectful and factual approach:

• Politics, religion, and controversial topics: these discussions are not allowed, unless they have a direct link to loyalty programs or financial services. Even in that case, remain factual and measured.
• Reviews of banks, airlines, and hotels: share your experiences constructively and verifiably, without exaggeration or defamation. Well-reasoned and nuanced criticisms help the entire community progress.

In summary, engage with courtesy and open-mindedness. Diversity of opinions is a strength when expressed with mutual respect.

2. Allowed Content and Prohibited Content

Authorized content

We encourage constructive exchanges and the sharing of useful information among members. You are invited to:

• Share your experiences and advice related to credit cards, bank accounts, loyalty programs, and money-saving tips.
• Discuss promotions, offers, and strategies to optimize your finances and your points.
• Ask questions about insurance, credit cards, or any relevant financial tool, after checking if the answer is not already available (search function, articles, etc.).
• Relay relevant news related to our themes (new offers, rate changes, program changes, etc.), citing your sources if possible to ensure accuracy.

Prohibited content

In order to preserve the quality of exchanges, the following content is prohibited:

• Unauthorized advertising and personal promotion: do not use our platforms to promote products or services without prior agreement. The sharing of personal affiliate links or referral codes is specifically prohibited (see section 5).
• False information or unverified rumors: the dissemination of fake news or unconfirmed information is prohibited. Be sure to verify your sources to avoid spreading misinformation.
• Spam and repetitive messages: do not post the same message excessively or in multiple discussion threads at once. Duplicates harm dialogue and will be deleted. Any attempt to monopolize a discussion to the detriment of other participants is also prohibited.
• Inappropriate content: any violent, sexual, hateful, hate-inciting, or discriminatory remarks or content have no place on our platforms. This includes harassment, intimidation, and deliberately provocative messages (trolling).
• Sensitive personal data: never share confidential personal information in our public spaces — whether it is your own data or that of others (credit card numbers, bank identifiers, phone numbers, postal addresses, private emails, etc.).
• Illegal content or calls for illicit activities: any content violating the law (apology for crimes, incitement to violence or fraud, etc.) is strictly prohibited.

Any breach of these rules may result in the immediate deletion of the messages concerned, a warning from the moderators, or even exclusion from the community in case of recurrence or serious misconduct. These rules complement those of the platforms we use (e.g., Facebook Community Standards, Reddit rules, etc.), which may also apply their own sanctions.

3. Use of community platforms

• Search first, then ask: before posting a question, use the search function to check if the answer has not already been provided.
• Stay on topic: ensure that your posts match the theme of the group or discussion. Off-topic subjects may be removed to keep the forum clear and useful.
• Respect for privacy: do not share sensitive personal information and do not publicly identify someone without valid reason. Do not disclose the content of private communications without authorization.
• No flooding or cross-posting: avoid posting the same message multiple times in different discussions or publishing an excessive volume of messages in a short period. Duplicates will be moderated.
• Respect for moderators’ decisions: administrators and moderators are there to ensure the smooth functioning of the community. In case of disagreement, contact them privately to discuss it calmly.

Comments published on our website (under blog articles, guides, etc.) must also respect this code of conduct and remain relevant to the article concerned. Aggressive, insulting, or completely off-topic comments will be deleted to preserve the quality of discussions.

4. Confidentiality and data protection

• Never post sensitive personal data publicly. Whether it is yours or a third party’s, information such as credit card numbers, bank identifiers, passwords, addresses, phone numbers, or any other private information should never be shared on our open platforms.
• Respect the privacy of others: do not publicly expose another person’s personal information without their consent (photos, screenshots of private conversations, private content, etc.).
• Beware of scams and phishing: any attempt to deceive a member to obtain sensitive information is formally prohibited. If someone tries to extract personal data from you under the guise of Ratesopedia or Milesopedia, do not respond and report it immediately.
• If you suspect fraudulent behavior or a possible scam on our platforms, immediately notify a member of the team. We will take appropriate measures to protect the community.

5. Rules on sponsoring and sharing affiliate links

We are an independent platform partly funded through official affiliate and referral links. To ensure a fair experience for all members, the sharing of personal referral links is strictly regulated on our platforms.

• No personal referral links: it is forbidden to post your own referral links or personal promotional codes on the site or in the comments. This includes any indirect promotion of your links.
• Use official links: only official referral and affiliate links provided by us are allowed on our platforms. By choosing to use these links when subscribing, you directly support the site and contribute to the sustainability of quality content accessible for free.
• Discussions on referral offers: you can discuss various welcome offers or referral promotions offered by banks, hotels, or airlines. However, these discussions must remain general.
• No circumvention of rules: any attempt to circumvent these restrictions will be sanctioned (unsolicited private messages to promote a link, shortened or coded link concealing a referral, etc.).

Why this rule?

• Fairness and quality of exchanges: if everyone posted their own referral link, discussions would quickly become a click-hunting ground rather than a neutral space for mutual support.
• Transparency and reliability: by only highlighting verified and up-to-date offers, we ensure that the information shared is reliable and advantageous for members.
• Support for the site: the use of official links helps fund the site (employees, servers, content, tools, etc.) without costing you more.

6. Penalties for non-compliance

Administrators and moderators ensure compliance with these rules across all our platforms. In case of violation, we may take the following disciplinary measures:

• Private warning: for a first offense or an isolated inappropriate behavior.
• Content deletion: any content violating the rules may be deleted by moderation, with or without prior notice depending on the severity.
• Temporary suspension: in case of a more serious offense or repetition despite a warning.
• Permanent exclusion: in case of persistent inappropriate behavior, or serious misconduct from the outset (severe harassment, massive spam, proven fraud, etc.).

Sanctions are applied with discretion, depending on the severity of the facts and the user’s history within the community. Our goal is not to punish, but to protect all members.

7. Contact and reporting

If you have questions regarding this code of conduct, or if you wish to report a problem (abusive behavior by a member, inappropriate content, suspicion of scam, etc.), you can write to us via the official contact form, or send a private message to the administrators of our community spaces.

We listen to our members and take every comment or alert seriously. Thank you all for your participation.