I wonder how this works for the international market? Whose laws apply? In my country gift cards/certificates/points cannot expire unless the company becomes insolvent. If the company is offering them they are not permitted to take any kind of service charge or to allow them to expire. I have some of those gift Visa cards, gotta be five or six years old and they are still valid. I expect the laws of whatever country SE decides is most legally favourable to inhabit apply so it just goes to show one must always read the fine print, and the House always wins.