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Open the companion tool →Why the loyalty price is a data price
The discount is funded by what the programme learns: purchase history, basket composition, timing, location, and what you will pay. Some programmes also vary offers by member.
Several jurisdictions explicitly exempt loyalty programmes from personalised-pricing bans, which is exactly why the terms deserve reading rather than assuming.
The protocol
- Read the programme's terms and write down what data is collected and shared.
- Note whether the programme states that prices or offers may vary by member.
- Compare two members' prices on the same item if you can, or check the app price against the shelf.
- Decide whether the discount is worth the data, and write the decision down.
- If you keep the programme, note how to leave it and what happens to your history.
What the tool does
Build a loyalty-price check record It runs locally in this browser and sends nothing.
Limit first: This is a record-keeping and comparison aid, not legal or financial advice. It cannot prove that a price was personalised, and it does not know what a company's pricing model does internally.
Open the companion tool →Cost and free path
Cost: Free: one complete run in this browser, no account. Optional $4 one-time unlock allows unlimited runs of this tool on this browser. The free path and safety guidance never require payment.
Rule status (mixed route): Status, 2026-10-03: loyalty programmes are often carved out of state personalised-pricing prohibitions, so the programme terms are the operative document and the FTC's pricing guidance is the federal reference point.
Automated decision this documents: loyalty-programme price variation and data-for-discount terms
Free path, in order (no cost):
- FTC consumer alerts on loyalty programmes and personalised offers
- Your state attorney general's consumer division
- USA.gov's complaint finder to locate the right office
What this cannot do: It cannot prove that a price was personalised, and it does not know what a company's pricing model does internally.
Sources checked 2026-10-03 · source bank reviewed against the live pages listed in metadata.
One human next step
If a programme tells you prices are the same for everyone and your record shows otherwise, that is a deception issue — report it with the comparison attached.
Research log and safety checks
AI-assist path: not used for a verdict. This builder organises the reader's own documents and names an independent source; it does not infer authenticity, eligibility, or legal rights. §6.9/§6.10/§6.11 disclosed in the batch report; §6.12 status line carried in metadata as `status_line`.
§0.5 protection result: category is ai-pricing-transparency; crisis-adjacent: no; fear/urgency/scarcity toolkit used: no. The protective function is free and the paid feature is convenience only.