Terms of Use

Updated: January 2025
These Terms & Conditions (“Terms”) govern your use of the website operated by Points Too Paradise LLC (“Company,” “we,” “us,” “our”).

By accessing our website, purchasing our products, or using our services, you agree to these Terms.

1. WEBSITE USE

You must be at least 18 years old to use this site. You agree to use this website lawfully and not engage in any prohibited activity.

2. INTELLECTUAL PROPERTY

All content on this website — including courses, guides, videos, membership content, brand assets, text, graphics, and digital downloads — is owned by Points Too Paradise LLC.

You may NOT:

Copy

Reproduce

Sell

Distribute

Share login credentials

Upload content elsewhere

Violation may result in removal of access without refund and potential legal action.

3. DIGITAL PRODUCTS, COURSES & MEMBERSHIPS

A. Access

When you purchase a digital product, course, or membership, you receive a license for personal use only.

B. Payments

All sales are processed through secure third parties (Stripe, PayPal). By purchasing, you confirm you have the legal right to use the payment method provided.

C. Refund Policy

Unless explicitly stated on the product sales page, all digital products, courses, and memberships are non-refundable due to their downloadable and instant-access nature.

Memberships renew automatically each billing cycle unless canceled before renewal.

4. COACHING & 1:1 SERVICES

All coaching provided by Points Too Paradise LLC is educational and supportive. You understand that:

We do not provide legal, tax, or financial advice

We do not guarantee specific credit approvals, credit score results, or travel outcomes

You are responsible for all financial decisions and for using credit responsibly

Coaching is non-refundable unless otherwise stated.

5. AFFILIATE LINKS

We may include affiliate links where we earn a small commission at no extra cost to you. We only promote products we believe in.

6. DISCLAIMERS

A. Not Financial Advice

Information provided through this website, courses, guides, workshops, and coaching is for educational purposes only.
It is not financial, credit, or legal advice.

B. No Guarantees

Results vary and depend on individual circumstances, spending habits, credit history, and actions taken.
We do not guarantee:

Specific credit card approvals

Free travel outcomes

Number of points earned

Ability to book specific hotels or flights

You accept responsibility for your choices.

7. ACCOUNT INFORMATION

If you create an account, you are responsible for maintaining confidentiality of your login info. Sharing logins is prohibited.

We reserve the right to terminate accounts that violate these Terms.

8. LIMITATION OF LIABILITY

To the fullest extent permitted by law, Points Too Paradise LLC is not liable for:

Losses arising from use of our website or services

Errors, delays, or interruptions

Financial decisions the user makes

Travel booking issues

Your use of this site is at your own risk.

9. THIRD-PARTY LINKS

We are not responsible for third-party websites linked from this site.

10. GOVERNING LAW

These Terms are governed by the laws of the State of New Mexico, USA.

11. CONTACT

For questions regarding these Terms & Conditions:
📧 [email protected]
📍 Contact us for mailing address