Earlier quoted context omitted.
> You may not ... use the content of the Site for public or commercial purposes That's not what the app was doing: > The app ... had been ‘screen scraping’ accounts for members So it wasn't "public or commercial", it was for people who had accounts to view/manage their account details. Same as Plaid or Mint for banks, or (more generally) any old web browser for literally any website.
It was absolutely "for commercial purposes" for The Points Guy.
Whereas showing ads in the same client where the user is also viewing their own data is incidental. The purpose is to provide a useful intermediary service, and the ads help pay for that service, in much the same way a search engine can reproduce data from websites and show ads at the same time.