Client Services Agreement

Personal Points Method Plan · Last updated: 08/26/2026

This Client Services Agreement (the “Agreement”) applies to the Personal Points Method Plan and related services (the “Services”) provided by The Points Method LLC (“we,” “us,” or “the Company”). By purchasing or using the Services, you (“you” or “the Client”) agree to the following terms.

1. What the Services are

We provide a personalized credit card points and travel strategy (the “Plan”), which may include recommended credit cards, a suggested order and timing for applications, points-earning guidance, a strategy consultation, and access to our tracking tools. The Services are strategic guidance and education only.

2. We do not control approvals or third parties

Credit card issuers, banks, airlines, hotels, and other third parties make all of their own decisions. We do not control and cannot guarantee whether you will be approved for any credit card, what credit limit or terms you may receive, the availability or price of any award travel, transfer ratios, points valuations, or the continuation of any card offer, bonus, or program. All such decisions and terms rest solely with those third parties and may change at any time without notice.

3. No guarantee of results

The points, travel, savings, and outcomes we describe — including any examples of past results — are illustrations only and are not promises or guarantees of the results you will achieve. Your results depend on many factors outside our control, including your own spending, your creditworthiness, third-party decisions, and changes to card offers and award availability.

4. Accuracy of information you provide

You represent and confirm that the information you provide to us — including your credit standing, spending, existing cards, and travel goals — is true, accurate, and complete to the best of your knowledge. Our Plan is built based on the information you provide, and its usefulness depends on that information being accurate. We are not responsible for outcomes resulting from inaccurate, incomplete, or outdated information you provide.

5. Not financial, credit, legal, or tax advice

We are not a licensed financial advisor, credit counselor, attorney, or tax professional, and the Services do not constitute financial, credit repair, investment, legal, or tax advice. You are encouraged to consult appropriately licensed professionals before making financial decisions.

6. Your financial responsibility

You are solely responsible for your own financial decisions and for using credit responsibly. We do not encourage spending beyond your means or carrying balances. You are responsible for paying your balances on time and in full, and for any interest, fees, debt, or other consequences arising from your use of credit. Applying for and using credit cards is your decision and your responsibility.

7. Impact on credit

You understand that applying for credit cards may result in credit inquiries and may affect your credit score and credit profile. You accept responsibility for these effects, which result from your own decisions to apply for credit.

8. Points and miles are not money

Points, miles, and rewards are controlled by their issuing programs, have no guaranteed cash value, and may be devalued, expired, forfeited, or changed by those programs at any time. We are not responsible for any such changes.

9. Payment and fees

The fee for the Plan is as agreed at the time of purchase and is payable in advance. Fees reflect the customized work involved in preparing your Plan.

10. Limitation of liability

To the fullest extent permitted by law, our total liability arising out of or related to the Services shall not exceed the amount you paid us for the Services. We are not liable for any indirect, incidental, consequential, or punitive damages, or for any losses arising from third-party decisions, changes to programs or offers, or your own financial choices.

11. Privacy

We do not store your credit card numbers or account login credentials. We handle the information you provide in accordance with our Privacy Policy.

12. Entire agreement

This Agreement reflects the entire understanding between you and us regarding the Services and supersedes any prior understandings. If any provision is found unenforceable, the remaining provisions remain in effect.

Acknowledgment. By purchasing or using the Services, you confirm that you have read and understood this Agreement, that the information you provided is true and complete to the best of your knowledge, that you understand we do not control credit card approvals or third-party decisions and do not guarantee any specific results, and that you are responsible for your own financial decisions.

Questions? Contact us at mike@thepointsmethod.com.