Terms and Conditions of Use.

Last updated: October 15, 2026

1. About us

The website ilcartaista.com (the “Site” or “Il Cartaista”) is operated by Nexa Media Group S.r.l. (“Nexa”, “we”), registered office at Via dei Normanni 30/1, 84085 Mercato San Severino (SA), Italy, tax code and VAT no. 06390400650, registered with the Salerno Companies Register, REA SA-519824, share capital €8.00 (EIGHT//00), fully paid, certified email (PEC) nexamediagroup@pec.it, email info@nexamediagroup.it, represented by its legal representative Carmine Rosamilia.

Single point of contact under Articles 11 and 12 of Regulation (EU) 2022/2065 (the “Digital Services Act” or “DSA”) for authorities and users: info@ilcartaista.com and, for authorities, nexamediagroup@pec.it. Accepted languages: Italian and English.

2. Scope and acceptance

2.1. These Terms govern use of the Site and the services offered. By registering or using the Site, you accept these Terms. Personal data processing is described in the Privacy Policy, and the use of cookies in the Cookie Policy.

2.2. Il Cartaista is an independent editorial portal and community for American Express cardholders. It offers guides, news, estimation tools, its own loyalty program and a space where merchants can present their businesses.

2.3. No affiliation. Il Cartaista is not affiliated with, sponsored, authorized or endorsed by American Express or any of its affiliates. The Site is not an official American Express website, does not issue cards, does not administer Membership Rewards points and has no access to users’ accounts. “American Express”, “Amex”, “Membership Rewards” and card names are trademarks of their respective owners and are mentioned for descriptive and informational purposes only.

2.4. No Amex payment details. The Site never asks for a card number, CVV, expiry date, PIN, OTP or American Express credentials. Anyone requesting these details on behalf of Il Cartaista does not represent us: do not provide them and report the request to info@ilcartaista.com.

3. Eligibility and accounts

3.1. The Site is for people aged 18 or over. By registering, you confirm that you are at least 18 and have provided accurate information.

3.2. Two account types are available: private user and merchant. Merchant accounts are for people acting in the course of a business, trade, craft or profession and require a business name and valid VAT number.

3.3. You are responsible for keeping your credentials confidential and for all activity carried out through your account. You agree to notify us promptly of any unauthorized use. Only one account per individual or business is allowed unless we give written permission.

3.4. Email address verification is required to use the account fully.

3.5. You may delete your account at any time from your profile settings. Deletion is permanent and results in the loss of loyalty points, unused merchant points and linked content, subject to any data retention required by law (see the Privacy Policy).

4. Services

4.1. Wallet and Membership Rewards balance. You may record the cards you hold and your Membership Rewards balance. The balance is provided by you, is not verified and is in no way connected to your American Express account; it is for reminder and indicative calculation purposes only.

4.2. Miles Calculator. The calculator provides indicative estimates based on data collected from public sources, with the relevant verification date shown. Required miles, transfer ratios, taxes, surcharges and availability are set by third-party programs and airlines and may change at any time without notice. Estimates are not an offer, guarantee or advice. Before taking any action, you must check the terms with the relevant program.

4.3. News and guides. Editorial content is for informational purposes only and is not financial, tax or legal advice.

4.4. Merchant listings, reports and promotions. These are governed by Sections 6 and 7.

4.5. Google Wallet pass. You may save your loyalty pass to Google Wallet. Google provides Google Wallet, which is subject to Google’s terms.

4.6. The Site may be changed, expanded, suspended or discontinued, in whole or in part, including for maintenance. We do not guarantee that the Site will always be available or error-free.

5. Il Cartaista loyalty program

5.1. The loyalty program belongs to Il Cartaista and is entirely separate from American Express Membership Rewards. It is administered in compliance with applicable law, including, where applicable, Italian Presidential Decree No. 430 of October 26, 2001.

5.2. Each member receives a loyalty code, member number and personal referral code. Participating merchants may award points based on purchases made with them, at a rate of 1 point per euro spent unless the merchant states otherwise. The merchant enters the purchase amount; no payment is processed through the Site.

5.3. Points may be used only to redeem promotions published by merchants, subject to the terms stated for each promotion. Each redemption generates a unique code.

5.4. Referrals. A person who signs up with a valid referral code and the person who shared that code receive the number of points shown on the Site at the time of registration. Creating fake accounts or using automated systems to obtain points is prohibited.

5.5. Points have no monetary value; they are not money or electronic money, cannot be converted into cash, assigned or transferred between accounts, and do not accrue interest. Points are valid for 24 months from the date they are credited and expire when the account is deleted.

5.6. We may cancel points credited by mistake or in breach of these Terms, freeze a loyalty account, suspend a merchant’s ability to issue or redeem points, or set daily issuance limits if we detect irregularities or suspected abuse. We will communicate the reasons to the affected person.

5.7. The program may be changed or ended with at least 30 days’ notice. If it closes, users may redeem their remaining points during the notice period, subject to the promotions available.

5-ter. Miles Calculator points and plans for private users

5-ter.1. You can buy loyalty point packs and monthly plans that include a number of live searches per month. Prices (VAT included), points, included searches and duration are shown on the “Points and plans” page before purchase. On the Site you pay by card through Stripe; in the app only through Apple or Google, who issue the receipt and handle billing, renewals and refunds for those purchases.

5-ter.2. For Site purchases you provide your full name, Italian tax code, address and, for businesses, VAT number. Nexa issues the invoice, emails it and keeps it available in your account.

5-ter.3. Purchased points are credited to your loyalty balance after payment and can be used for live searches and for promotions of participating merchants, only within the Il Cartaista network; articles 5.5 and 5.6 apply where compatible.

5-ter.4. Plans renew automatically every month until cancelled; included searches do not roll over. Cancellation takes effect at the end of the paid period. Price increases are announced before renewal.

5-ter.5. Withdrawal. These are digital services supplied immediately: at purchase you expressly request immediate performance and acknowledge that you lose the right of withdrawal once points are credited or the plan is activated (art. 59(1)(a) and (o) Italian Consumer Code). Your statutory conformity rights remain unaffected.

5-ter.6. Refunds. Nexa may grant full or partial refunds, including for individual unused points, proportionally to the price paid; refunded points are removed from your balance (only those still available). Refunding a plan ends it immediately. App purchases are refunded by Apple or Google. A failed live search due to a technical problem is refunded automatically.

6. Additional terms for merchants

This section, together with the other sections of these Terms, forms the general terms under Regulation (EU) 2019/1150 (the “P2B Regulation”).

6.1. Listing. A merchant may create a listing with a name, category, description, address, contact details, offers and at least 4 photographs. Each publication and change is subject to prior review; while a change is under review, the latest approved version remains visible. Listings are visible only to registered users.

6.2. Merchant warranties. The merchant warrants that published information is accurate, up to date and lawful; that it has the rights to uploaded photographs and trademarks; and that it complies with laws applicable to its business, including consumer protection, pricing and commercial practices rules. The merchant is solely responsible for its products and services, published promotions and customer relationships, and will indemnify Nexa against third-party claims arising from its content and promotions.

6.3. Promotions. Promotions redeemable with points are offered and honoured by the merchant. The merchant agrees to honour them until the stated expiry date and to comply with applicable laws, including any rules governing prize promotions.

6.4. Merchant points and visibility tiers. A merchant may purchase “merchant points”, which are separate from users’ loyalty points and determine the listing tier (Base, Plus, Pro). Prices, including VAT, the features of each tier and its duration are shown on the purchase page when the order is placed and form part of the contract.

6.5. Ranking parameters (Article 5 P2B Regulation). The order and prominence in which listings and promotions appear to users depend mainly, in order of importance, on: (i) the purchased visibility tier (Pro, Plus, Base); (ii) active sponsored promotions; (iii) proximity to the area viewed by the user; and (iv) the completeness and currency of the listing. The purchased tier and sponsored promotions directly affect ranking in exchange for payment; sponsored content is always identified as such.

6.6. Payment and invoicing. Payment is made by card through Stripe or by bank transfer; in the latter case, the tier is activated after payment is verified. Before purchase, the merchant must complete its billing details and is responsible for their accuracy. Nexa issues an electronic invoice under Italian tax law and sends it through the Interchange System to the recipient code or certified email address provided.

6.7. No consumer withdrawal right. Purchases are reserved for professional operators; the withdrawal provisions of Legislative Decree 206/2005 (the “Consumer Code”) do not apply. Merchant points are non-refundable, except where the service is not provided for a reason attributable to Nexa or the law requires otherwise.

6.8. Suspension and termination (Article 4 P2B Regulation). We may restrict or suspend a listing or merchant account for breaches of these Terms, unlawful or misleading content, loyalty program abuse or non-payment. We will communicate the reasons by email before or when the measure takes effect. If we permanently discontinue services to a merchant, we will give at least 30 days’ notice, except where required by law or in cases of serious or repeated breaches under Article 4(4) of the P2B Regulation.

6.9. Merchant complaints. Merchants may submit complaints free of charge to info@ilcartaista.com with the subject “Merchant complaint”. We will review and respond within 30 days.

6.10. Third-party partnerships (SumUp × Fluent and others). A partnership request submitted through the Site only connects the merchant to third-party services. Contracts, rates (including the stated fees, which are SumUp rates), activation, support and liability are governed solely by the partner’s terms. Il Cartaista may receive compensation from the partner for activations generated through the Site, at no additional cost to the merchant.

7. User content and moderation

7.1. Users may post comments (up to 2,000 characters) and report businesses that accept American Express; merchants may publish listings and promotions (together, “Content”).

7.2. You retain ownership of your Content and grant Nexa a non-exclusive, royalty-free, worldwide licence for as long as it is published on the Site, to reproduce it, adapt its format and display it on the Site and related channels to provide the service.

7.3. You must not publish Content that is false or misleading (including reports of businesses that do not accept Amex or non-existent offers); defamatory, offensive, discriminatory or violent; infringing third-party rights (copyright, trademarks, image rights or privacy); unauthorized advertising or spam; containing another person’s personal data or payment card details; or otherwise unlawful.

7.4. Moderation. Comments, listings and reports are reviewed by human administrators before publication and may also be approved, rejected or removed later. Nexa may reply publicly to comments. We may suspend or disable an account for serious or repeated violations. Removal, rejection and suspension decisions, with their reasons, are communicated to the affected person unless prohibited by law (Article 17 DSA).

7.5. Reporting illegal content (Article 16 DSA). Anyone may report content believed to be illegal by emailing info@ilcartaista.com with the subject “Content report” and stating: why the content is believed to be illegal; its exact URL; the reporter’s name and email (except for offences involving child abuse); and a good-faith statement that the report is accurate. We will confirm receipt and notify you of our decision. Reports are reviewed promptly, diligently, objectively and without arbitrariness.

7.6. Anyone receiving a moderation decision may appeal by replying to the notification email within 6 months. Where possible, an administrator other than the person who made the decision will review the appeal. The right to seek judicial remedies remains unaffected.

7.7. We do not generally monitor Content and do not guarantee its accuracy. Information published by merchants (opening hours, prices, offers and availability) is their sole responsibility.

8. Advertising, links and partners

8.1. The Site contains advertising (Google AdSense), sponsored content and commercial or affiliate links to partners including SumUp, Fluent, NAKA and Shopify. Such links are identifiable. Il Cartaista may receive compensation for purchases or activations generated through them.

8.2. Partner services are governed by their respective terms and privacy notices, which users should review. Nexa is not responsible for third-party websites’ services, content or practices.

8.3. Some partner services have geographic restrictions; in particular, NAKA services are available only in Switzerland. Crypto-related content is for information only and is not advice or an invitation to invest. Crypto assets are high-risk instruments and may result in the loss of all capital invested.

9. Intellectual property

Texts, graphics, logos, the “Il Cartaista” brand, software, databases and editorial content on the Site belong to Nexa or its licensors and are protected by copyright and industrial property laws. Reproduction, systematic extraction (scraping), redistribution and commercial use without written permission are prohibited, except as permitted by law. Third-party trademarks remain the property of their respective owners.

10. Acceptable use

You must not use the Site for unlawful purposes; access or attempt to access accounts, systems or data without authorization; bypass security or anti-bot measures; use bots, scrapers or automated systems; manipulate the loyalty or referral program; impersonate anyone; or present yourself as American Express or Il Cartaista.

11. Liability

11.1. The Site’s informational services are provided free of charge to private users “as is”. To the extent permitted by law, Nexa is not liable for decisions made based on estimates, user-declared balances or informational content; inaccurate information published by merchants or users; services, products, rates or availability offered by American Express, partners or other third parties; or service interruptions caused by circumstances beyond Nexa’s control.

11.2. In dealings with merchants, Nexa’s aggregate liability is limited to the amount paid by the merchant in the 12 months before the event that caused the loss.

11.3. Nothing in these Terms excludes or limits liability for wilful misconduct or gross negligence (Article 1229 of the Italian Civil Code), personal injury, or any case where the law, including the Consumer Code and mandatory rules in the consumer’s country of residence, does not allow liability to be excluded or limited.

12. Suspension and termination

We may suspend or disable an account for a breach of these Terms, fraudulent activity, a security risk or a request from the authorities, and will inform the user of the reasons unless prohibited by law. You may stop using the Site and delete your account at any time.

13. Changes to these Terms

We may change these Terms for legal or technical reasons or as our services evolve. Changes will be communicated by email or on the Site at least 15 days in advance, except for changes required by law or an authority. If you do not accept the changes, you may delete your account before they take effect; continued use of the Site means you accept them.

14. Governing law and jurisdiction

14.1. These Terms are governed by Italian law.

14.2. Merchants: the courts of Salerno have exclusive jurisdiction over disputes relating to these Terms.

14.3. Consumers: jurisdiction lies with the court where the consumer resides or is domiciled if in Italy (Article 66-bis of the Consumer Code). Consumers residing in other EU Member States or Switzerland retain the mandatory protections of the law of their country of residence and the courts provided for under applicable rules (Regulation (EU) 1215/2012; Lugano Convention of October 30, 2007).

14.4. Consumers may use the alternative dispute resolution (ADR) bodies provided for under Articles 141 et seq. of the Consumer Code.

14-bis. App, Community, Premium and iOS terms

These Terms also apply to the Il Cartaista app for iOS and Android. The app offers push notifications, widgets, Live Activities, Apple Wallet and Google Wallet passes, QR scanning by merchants and nearby-business alerts; features requiring a device permission are optional. Personal tools (card simulator, benefits calendar, balance history, goals, family sharing) are indicative and do not replace the official terms of cards and programs. Support is first provided by an AI assistant, which may make mistakes, and is handed to a human operator when needed. Lounge, bonus and travel information comes from the official sources shown with a verification date.

Community. Users may publish posts, travel reports with photos, polls, place tips, chat and voice messages, events, reviews and reports. Community content is published immediately unless automated pre-screening (including AI tools) holds it for review; it may later be hidden or removed by administrators or by volunteer moderators appointed by Nexa. Final decisions are always made by people. Posts marked “Also visible on the website” are also shown on public pages. Stamp cards offered by merchants are valid only at that merchant, which alone provides the reward. Merchants may propose up to two push campaigns per month, sent only after Nexa’s approval; Community listings are paid with visibility points and labelled as such.

Premium and in-app purchases. Price, duration and content are shown before purchase. In-app purchases are handled by Apple (App Store) or Google (Google Play) under their terms; subscriptions renew automatically unless cancelled at least 24 hours before the end of the current period, and can be managed and cancelled in your Apple or Google account settings. Statutory consumer rights are not affected.

iOS. For the app downloaded from the App Store: (i) these Terms are between you and Nexa, not Apple, and Nexa alone is responsible for the app and its content; (ii) your licence is limited to Apple devices you own or control, as permitted by the Usage Rules in Apple’s Media Services Terms; (iii) Apple has no obligation to provide maintenance or support for the app; (iv) if the app fails to conform to any applicable warranty, you may notify Apple, which will refund any purchase price paid, and Apple has no other warranty obligation; (v) Apple is not responsible for claims relating to the app (product liability, legal or regulatory compliance, consumer protection) or for third-party intellectual property claims, which are Nexa’s responsibility; (vi) you represent that you are not located in a country subject to a U.S. Government embargo and are not on any U.S. Government list of prohibited or restricted parties; (vii) Apple and its subsidiaries are third-party beneficiaries of these Terms and may enforce them against you. For the app downloaded from Google Play, the Google Play terms also apply.

15. Final provisions

If any clause is invalid or unenforceable, the remaining clauses remain fully effective. Failure to exercise a right does not waive it. These Terms are drafted in Italian; any translations are for information only and the Italian version prevails in case of conflict.

16. Contact

Nexa Media Group S.r.l. — Via dei Normanni 30/1, 84085 Mercato San Severino (SA), Italy
info@ilcartaista.com — info@nexamediagroup.it — PEC nexamediagroup@pec.it

For merchants — specific approval under Articles 1341 and 1342 of the Italian Civil Code: the merchant confirms having read and specifically approving clauses 5.5 (nature and expiry of points), 5.6 and 6.8 (suspension and termination), 6.7 (exclusion of withdrawal and refunds), 11.2 (limitation of liability), 13 (unilateral changes) and 14.2 (exclusive jurisdiction).