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01 Acceptance of terms

By accessing or using Pointstopia.com (“the Site”) or engaging our consulting services, you agree to be bound by these Terms of Service (“Terms”). If you do not agree to these Terms, please do not use our services.

These Terms apply to all visitors, clients, and others who access or use our services.

02 Services description

Pointstopia provides points and miles consulting services to individuals located in the United States. Our services may include, but are not limited to:

• Strategy and guidance on earning credit card points and airline miles
• Advice on maximizing the value of loyalty program rewards
• Recommendations on credit card selection for travel rewards
• Consulting on redemption strategies for flights, hotels, and upgrades
• Educational content related to travel rewards programs
• Pointstopia is an independent consulting service and is not affiliated with, endorsed by, or a representative of any airline, hotel chain, credit card issuer, or loyalty program.

03 Not financial or legal advice

The information and recommendations provided by Pointstopia are for informational and educational purposes only. Nothing on this Site or in our consulting sessions constitutes financial, legal, or tax advice.

Credit card applications and financial decisions involve personal factors that vary by individual. We strongly encourage you to:

• Review all terms and conditions directly with the applicable financial institution
• Consult a licensed financial advisor before making significant financial decisions
• Understand that applying for credit cards may affect your credit score
• Pointstopia is not responsible for any financial outcomes resulting from actions taken based on our guidance.

04 Client responsibilities
By using our services, you agree to:

• Provide accurate and complete information when requested
• Use our guidance in compliance with all applicable loyalty program terms and conditions
• Not engage in any activity that violates the rules of any airline, hotel, or credit card loyalty program
• Be solely responsible for all decisions made based on our consulting advice

05 Fees and payment

Fees for consulting services will be communicated clearly prior to the commencement of any engagement. By proceeding with a paid service, you agree to the stated fee schedule.

All fees are in U.S. dollars. Refund eligibility, if any, will be outlined at the time of purchase. Pointstopia reserves the right to modify its fee structure at any time with reasonable notice.

06 Confidentiality

Pointstopia treats all client information with strict confidentiality. We will not share your personal financial information, credit card details, or loyalty program account information with any third party except as required by law.

Please note that any information you share during consultations should not include full account passwords or sensitive authentication credentials.

07 Intellectual property

All content on this Site — including text, graphics, strategies, templates, and materials — is the property of Pointstopia and is protected by applicable copyright and intellectual property laws.

You may not reproduce, distribute, or commercially exploit any content from this Site without prior written permission from Pointstopia.

08 Limitation of liability

To the fullest extent permitted by law, Pointstopia, its owners, and affiliates shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of our services, including but not limited to:

• Devaluation of points or miles by a loyalty program
• Denial of credit card applications
• Changes to loyalty program terms by third parties
• Any financial loss resulting from actions taken based on our guidance
• Our total liability in any circumstance is limited to the amount paid by you for the specific service giving rise to the claim.

09 Termination

Pointstopia reserves the right to suspend or terminate access to our services at any time, with or without cause, and with or without notice, particularly in cases of misuse or violation of these Terms.

You may discontinue use of our services at any time. Provisions of these Terms that by their nature should survive termination will remain in effect.

10 Governing law

These Terms are governed by and construed in accordance with the laws of the United States and the state of Texas, in which Pointstopia operates, without regard to conflict of law principles.

Any disputes arising under these Terms shall be resolved in the appropriate courts of that jurisdiction.

11 Changes to these terms

Pointstopia reserves the right to update or modify these Terms at any time. Changes will be posted on this page with an updated effective date. Your continued use of our services after any changes constitutes your acceptance of the revised Terms.

We encourage you to review these Terms periodically.

12 Contact us

If you have any questions about these Terms of Service, please reach out:

Pointstopia
info@pointstopia.com