Introduction

These Terms of Use (“Terms”) set forth the terms and conditions that apply to your access and use
of all Points Go Further products and services (together, the “Services”), and that are made available
through our website including but not limited to www.pointsgofurther.com. In the Terms, “Points Go
Further”or “we” means Points Go Further, LLC and its affiliates and subsidiaries (and their
predecessors in interest, successors and assigns), and “you” refers to the individual using the
Services and, if such individual is using the Services on behalf of an entity or organization, then
such entity or organization (and each of your successors and assigns). The Services are intended for
U.S. residents only and may include, but are not limited to, access to third-party rewards programs;
platforms that enable users to locate and contact U.S. travel services, discussion forums, community
forums, bulletin boards, review services, and forums in which users may ask questions of third-party
advisors; and platforms that enable users to apply to pre-qualify for certain credit card or loan
offers.
By using or accessing the Services you agree to the Terms, as updated from time to time in
accordance with Section 8 below. Because Points Go Further provides a wide range of services, we
may ask you to review and accept supplemental terms that apply to your interaction with a specific
Service.

THESE TERMS INCLUDE A MANDATORY ARBITRATION PROVISION AND CLASS
ACTION WAIVER THAT GOVERN ANY DISPUTES BETWEEN YOU AND US. PLEASE
READ THEM CAREFULLY. IF YOU DO NOT AGREE TO THE TERMS, INCLUDING THE
MANDATORY ARBITRATION PROVISION OR CLASS ACTION WAIVER, DO NOT USE
THE SERVICES.

To use some of the Services, you may need to provide information such as credit card or bank
account numbers to third-parties. For more information regarding our how we collect and use
information in connection with our Services, see our Privacy Policy.

1. Registration and Account Security. To use the Services you must (i) be at least eighteen (18)
years of age; (ii) have not previously suspended or removed from the Services; and (iii) register
for and use the Services in compliance with any and all applicable laws and regulations.

a) Account Registration. To access some features of the Services, you may be required to register for
an account. When you register for an account, we may ask you to give us certain identifying
information about yourself, including but not limited to your email address and other contact
information, and to create a user name and password (“Registration Information”). When registering
for and maintaining an account, you agree to provide true, accurate, current, and complete
information about yourself. You also agree not to impersonate anyone, misrepresent any affiliation
with anyone else, use false information, or otherwise conceal your identity from Points Go Further
for any purpose.
b) You Are Responsible For Your Account. You are solely responsible for maintaining the
confidentiality and security of your password and other Registration Information. For your
protection and the protection of other users, we ask you not to share your Registration Information
with anyone else. If you do share this information with anyone, we will consider their activities to
have been authorized by you. If you have reason to believe that your account is no longer secure,
you must immediately notify us at info@pointsgofurther.com.

2. Specific Requirements for Certain Services. Your use of the Services constitutes your
acknowledgment and acceptance of the following specific requirements and terms of use for certain
of the Points Go Further Services.
We may terminate a user’s access or ability to use the Forum, immediately, without notice, and at
our sole discretion, for user’s failure to comply with any terms or conditions of the Terms or
Prohibited Conduct. You agree not to:

a) Use the Services for any illegal purpose, or in violation of any local, state, national, or
international law;

b) Violate or misappropriate or encourage others to violate or misappropriate the rights of third-
parties, including intellectual property rights;

c) Post, upload, or distribute any content that is unlawful, defamatory, libelous, inaccurate, or that a
reasonable person could deem to be objectionable, profane, indecent, pornographic, harassing,
threatening, hateful, or otherwise inappropriate;

d) Interfere in any way with security-related features of the Services or the Site;

e) Interfere with the operation or any user’s enjoyment of the Services, including by uploading or
otherwise disseminating viruses, adware, spyware, worms, or other malicious code, making
unsolicited offers or advertisements to other users, or attempting to collect personal information
about users or third-parties without their consent;

f) Access, monitor or copy any content or information of the Site using any robot, scripts, spider,
scraper, or other automated means or for any purpose or any manual process to collect information
or content, or use the Services as part of any machine learning or similar algorithmic activity
without Points Go Further’s express written permission;

g) Perform any fraudulent activity, including impersonating any person or entity, claiming false
affiliations, accessing the accounts of other users without permission, or falsifying your identity or
any information about you, including age or date of birth;

h) Copy, reproduce, rent, lease, sell, transfer, assign, sublicense, modify, publish, disclose, distribute,
display or prepare derivative works of the Services;

i) Except to the extent permitted by applicable law and except to the extent expressly permitted in
these Terms, reverse engineer, disassemble, or decompile the Services, including any corresponding
source code, without prior written consent from us; or

j) Sell or otherwise transfer the access granted herein.

3. Affiliates and Third Parties. We and our affiliates, through the Services, may provide a venue
through which you can obtain information about certain financial products and services, and find
third-party service providers and advertisers, such as financial institutions, credit card providers,
discount program representatives and other financial professionals (“Service Providers”).  Any
opinions, advice, information, data, text and other materials or links made accessible through the
Services are for information purposes only. We are not an agent or advisor to you or any Service
Provider. We do not validate or investigate the licensing, certification or other requirements and
qualifications of Service Providers. We do not guarantee that the terms or rates offered by any
particular advertiser, business partner, affiliate, Service Provider or other third party on or through
our Services are the best terms or lowest rates available in the market. In short, we are not
responsible for the activities or policies of these Service Providers. Rather, it is your responsibility to
investigate Service Providers, and you acknowledge and agree that you rely on your own judgment
and that of such advisors in selecting any products or services offered by Service Providers. In
addition, your decision to access or connect to Service Providers via any links or ads accessible
through our Services is done at your own risk. When you link to a third party, the applicable third
party’s terms and policies apply, including the third party’s privacy and data gathering practices. You
should make whatever investigation you feel necessary or appropriate before proceeding with any
transaction in connection with such third party.

Sharing Information With Third-Parties. To use some of the Services, you may need to provide
information such as credit card numbers, bank account numbers, and other sensitive financial
information (such as investments, income, expenses, investable assets, investing risk tolerance or
other similar types of information), to third-parties. By using the Services, you agree that Points Go
Further or its subcontractors may collect, store, and transfer such information on your behalf, and at
your sole request. More information is available in our Privacy Policy. You agree that your decision
to make available any sensitive or confidential information to third-parties is your sole responsibility
and at your sole risk. Points Go Further has no control and makes no representations as to the use
or disclosure of information provided to third-parties. You agree that these third-party services are
not under Points Go Further’s control, and that Points Go Further is not responsible for any third-
party’s use of your information.

4. You Acknowledge and Agree that We are Not a Service Provider. Our Services acts as a
forum to connect users with Service Providers, and to provide information and suggestions about
consumer financial products and services based on information you provide us. We are not a
financial institution, credit card issuer, insurance provider or other Service Provider. We do not, and
will not, make any coverage or credit decision with any Service Provider referred to you. We do not
issue mortgages, credit cards, insurance coverage or any other financial products.
You acknowledge and agree that Service Providers are solely responsible for any services that they
may provide to you, and that we are not liable for any losses, costs, damages or claims in
connection with, arising from, or related to, your use of a Service Provider’s products or services.
We urge you to obtain the advice of financial advisors, insurance agents, brokers or other qualified
professionals who are fully aware of your individual circumstances before you make any financial
decisions.
Points Go Further Does Not Endorse Third-Parties. The Services may contain links to third-party
websites and services. Points Go Further provides such links as a convenience, and does not control
or endorse these websites and services. You acknowledge and agree that Points Go Further has not
reviewed the content, advertising, products, services, or other materials that appear on such third-
party websites or services, and is not responsible for the legality, accuracy, or appropriateness of
any such content, and shall not be responsible or liable, directly or indirectly, for any damage or loss
caused or alleged to be caused by or in connection with the use of any such third-party websites or
services.

5. Intellectual Property and User Content. The Services are protected by applicable copyright
and other intellectual property laws, and no materials from the Services may be copied, reproduced,
republished, uploaded, posted, transmitted, or distributed in any way without our express
permission. All trademarks and service marks on the Services belong to Points Go Further, except
third-party trademarks or service marks, which are the property of their respective owners. You
represent and warrant that you own or otherwise have the right to use any content you post to the
Services. If you believe that your content has been used in a way that constitutes copyright
infringement, you may contact:

Email: info@pointsgofurther.com

You must provide the following information: an electronic or physical signature of the copyright
owner or the person authorized to act on behalf of the copyright owner; a description of the
copyrighted work that you claim has been infringed; a description of where the material that you
claim is infringing is located; your address, telephone number, and email address; a written
statement that you have a good faith belief that the disputed use is not authorized by the copyright
owner, its agent, or the law; a statement by you, made under penalty of perjury, that the above
information in your notice is accurate and that you are the copyright owner or authorized to act on
the copyright owner’s behalf. Points Go Further has adopted and implements a policy that provides
for termination in appropriate circumstances of accounts of users who repeatedly infringe copyright
or other intellectual property rights of Points Go Further or others.

You hereby grant to Points Go Further a royalty-free, perpetual, irrevocable, non-exclusive right and
license to use, reproduce, modify, translate, transmit, display, perform and distribute any content,
information or material you submit or post in connection with the Services or otherwise make
available to Points Go Further or its subcontractors in connection with your use of the Services
(“Content”) for the following purposes: (a) with respect to Content which is governed by our Privacy
Policy, to provide you with the Services and comply with our obligations under the Terms, any other
purposes set forth in the Privacy Policy, (b) with respect to Content which is not governed by our
Privacy Policy, including any feedback you may provide us about our Services, for any purpose, and
(c) with respect to all Content, to de-identify the Content (if it constitutes personal information). All
right, title and interest in and to such de-identified Content created by or on behalf of Points Go
Further shall be solely and exclusively owned by Points Go Further and Points Go Further may use
it for any purpose.

6. Indemnification. You agree that you will be personally responsible for your use of the Services,
and you agree to defend, indemnify, and hold harmless Points Go Further and its former and
current employees, contractors, directors, officers and contractors from and against any and all
claims, liabilities, damages, losses, and expenses (including attorneys’ and accounting fees and
costs), arising out of or in any way connected with (i) any content you have submitted to or through
the Services; (ii) your violation of the Terms or any applicable law or regulation; (iii) your violation
of any third-party right, including without limitation any intellectual property right, publicity,
confidentiality, property, or privacy right; or (iv) any disputes or issues between you and any third-
party. Points Go Further reserves the right, at our own expense, to assume the exclusive defense
and control of any matter otherwise subject to indemnification by you, and in such case, you agree
to cooperate with our defense of such claim.

7. Termination. If you violate the Terms, your permission to use the Services will automatically
terminate. In addition, Points Go Further in its sole discretion may suspend or terminate your user
account and/or suspend or terminate some or all of your access to the Services at any time, with or
without notice to you. You may terminate your account at any time by contacting Customer Service
at info@pointsgofurther.com. After your account is terminated, information and content
previously provided by you will no longer be accessible through your account, but Points Go
Further may continue to store such information and content, and it may also be stored by third-
parties to whom it has been transferred through your use of the Services.

8. Modification of the Terms. Points Go Further may modify the Terms and impose new or
additional terms or conditions on any use of the Services. If we do so, we will notify you by revising
the date at the term of the Terms and/or in some cases, including where required by law, we may
provide you with an additional notice, such as via email to the email address you have provided us.
Such modifications and additional terms and conditions will be effective immediately upon notice
and incorporated into the Terms. Your continued use of the Services will constitute your acceptance
of the modified terms and any applicable new or additional terms or conditions. If you do not agree
to the modified terms or new or additional terms or conditions, you must stop using the Services,
and if applicable, close your Points Go Further accounts.

9. DISCLAIMERS OF WARRANTIES. THE DISCLAIMERS AND LIMITATIONS ON OUR
LIABILITY IN THIS SECTION 9 APPLY TO THE FULLEST EXTENT PERMITTED BY
APPLICABLE LAW. THE SERVICES ARE PROVIDED “AS IS” AND ON AN “AS AVAILABLE”
BASIS, WITHOUT WARRANTY OR CONDITION OF ANY KIND, EITHER EXPRESS OR IMPLIED.
ALTHOUGH POINTS GO FURTHER SEEKS TO MAINTAIN SAFE, SECURE, ACCURATE, AND
WELL-FUNCTIONING SERVICES, WE CANNOT GUARANTEE THE CONTINUOUS OPERATION
OF OR ACCESS TO OUR SERVICES, AND THERE MAY AT TIMES BE INADVERTENT
TECHNICAL OR FACTUAL ERRORS OR INACCURACIES.

A) NO WARRANTIES. POINTS GO FURTHER SPECIFICALLY (BUT WITHOUT LIMITATION)
DISCLAIMS (I) ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A
PARTICULAR PURPOSE, QUIET ENJOYMENT, OR NON-INFRINGEMENT; AND (II) ANY
WARRANTIES ARISING OUT OF COURSE-OF-DEALING, USAGE, OR TRADE. YOU ASSUME
ALL RISK FOR ANY/ALL DAMAGES THAT MAY RESULT FROM YOUR USE OF OR ACCESS TO
THE SERVICES. POINTS GO FURTHER IS NOT RESPONSIBLE FOR THE LOSS OF, DAMAGE
TO, OR UNAVAILABILITY OF ANY INFORMATION YOU HAVE MADE AVAILABLE THROUGH
THE SERVICES, AND YOU ARE SOLELY RESPONSIBLE FOR ENSURING THAT YOU HAVE
BACKUP COPIES OF ANY INFORMATION YOU HAVE MADE AVAILABLE THROUGH THE
SERVICES.

B) NO GUARANTEE OF ACCURACY. POINTS GO FURTHER DOES NOT GUARANTEE THE
ACCURACY OF, AND DISCLAIMS ALL LIABILITY FOR, ANY ERRORS OR OTHER
INACCURACIES IN THE INFORMATION, CONTENT, RECOMMENDATIONS, AND MATERIALS
MADE AVAILABLE THROUGH THE SERVICES.

C) SERVICES PROVIDED FOR INFORMATIONAL PURPOSES. THE INFORMATION
PROVIDED THROUGH THE SERVICES IS PROVIDED SOLELY FOR INFORMATIONAL,
EDUCATIONAL, OR ENTERTAINMENT PURPOSES AND DOES NOT CONSTITUTE LEGAL,
FINANCIAL, TAX PLANNING, MEDICAL, OR OTHER ADVICE. POINTS GO FURTHER AND
THE SERVICES ARE NOT A FINANCIAL INSTITUTION. POINTS GO FURTHER MAKES NO
REPRESENTATIONS, WARRANTIES, OR GUARANTEES, EXPRESS OR IMPLIED, REGARDING
THE RESULTS OR SAVINGS THAT MAY BE OBTAINED THROUGH THE USE OF THE
SERVICES. BEFORE MAKING ANY FINANCIAL DECISIONS OR IMPLEMENTING ANY
FINANCIAL STRATEGY, INCLUDING RECOMMENDATIONS OF THIRD-PARTIES IDENTIFIED
THROUGH THE SERVICES, POINTS GO FURTHER RECOMMENDS THAT YOU OBTAIN
ADDITIONAL INFORMATION AND ADVICE OF ACCOUNTANTS OR OTHER FINANCIAL
ADVISORS WHO ARE FULLY AWARE OF YOUR INDIVIDUAL CIRCUMSTANCES. YOU AGREE
THAT YOU ARE RESPONSIBLE FOR YOUR OWN FINANCIAL RESEARCH AND FINANCIAL
DECISIONS, AND THAT POINTS GO FURTHER IS NOT RESPONSIBLE OR LIABLE FOR ANY
DECISIONS OR ACTIONS YOU TAKE OR AUTHORIZE THIRD-PARTIES TO TAKE ON YOUR
BEHALF BASED ON INFORMATION YOU RECEIVE AS A USER OF POINTS GO FURTHER.

D) NO WARRANTIES REGARDING THIRD-PARTIES. POINTS GO FURTHER MAKES NO
REPRESENTATIONS, WARRANTIES, OR GUARANTEES, EXPRESS OR IMPLIED, REGARDING
ANY THIRD-PARTY SERVICE OR ADVICE PROVIDED BY A THIRD-PARTY, OR ANY QUOTES
OR OFFERS PROVIDED THROUGH THE SERVICES. POINTS GO FURTHER DOES NOT
ENDORSE ANY PARTICULAR ADVISOR OR OTHER THIRD-PARTY. POINTS GO FURTHER
ACTS SOLELY AS AN INTERMEDIARY BETWEEN YOU AND THIRD-PARTY SERVICE
PROVIDERS AND EXPRESSLY DISCLAIMS ANY AND ALL LIABILITY FOR ANY CONTENT,
PRODUCTS, OR SERVICES PROVIDED BY SUCH SERVICE PROVIDERS. SEE SECTION 3,
ABOVE, FOR MORE.

10. LIMITATION OF LIABILITY. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE
LAW: (A) IN NO EVENT WILL POINTS GO FURTHER OR ITS OFFICER’S, EMPLOYEES,
SERVICE PROVIDERS OR REPRESENTATIVES BE LIABLE TO YOU FOR ANY INCIDENTAL,
SPECIAL, CONSEQUENTIAL, INDIRECT, OR PUNITIVE DAMAGES, OR FOR LOSS OF PROFITS,
REVENUE, DATA OR USE, WHETHER BASED ON WARRANTY, CONTRACT, TORT
(INCLUDING NEGLIGENCE), STATUTE, OR ANY OTHER LEGAL THEORY, WHETHER OR NOT
POINTS GO FURTHER HAS BEEN INFORMED OF THE POSSIBILITY OF SUCH DAMAGE, AND
(B) TO THE EXTENT OUR LIABILITY HAS NOT ALREADY BEEN EXCLUDED IN THE
FOREGOING, IN NO EVENT SHALL OUR CUMULATIVE LIABILITY TO YOU, WHETHER IN
CONTRACT, TORT, OR OTHERWISE, EXCEED THE GREATER OF WHAT YOU PAID US FOR
THE APPLICABLE SERVICES (IF ANY) AND US $100.

11. Governing Law. The Terms are governed by the laws of the State of Texas and the Federal
Arbitration Act (“FAA”), without regard to conflict of law principles. Subject to Section 12, which
provides that disputes are to be resolved through binding arbitration or small claims court, to the
extent that any lawsuit or court proceeding is permitted hereunder, you and Points Go Further
agree to submit to the exclusive personal jurisdiction of the state courts and federal courts located
within Harris County, Texas, for the purpose of litigating all such disputes. We make no
representation that information and materials included in the Services are appropriate or available
for use outside the U.S.

12. Dispute Resolution by Binding Arbitration; Class Action Waiver. MOST DISPUTES AND
CUSTOMER CONCERNS CAN BE RESOLVED QUICKLY AND TO YOUR SATISFACTION BY
CONTACTING US AT INFO@POINTSGOFURTHER.COM. HOWEVER, IN THE UNLIKELY
EVENT THAT POINTS GO FURTHER CANNOT RESOLVE A DISPUTE WITH YOU, THEN,
EXCEPT WITH RESPECT TO SMALL COURT CLAIMS AND CLAIMS RELATED TO
INTELLECTUAL PROPERTY AS SET FORTH IN THE “ARBITRATION AGREEMENT” SECTION
BELOW (“ARBITRATION AGREEMENT”), BOTH YOU AND POINTS GO FURTHER AGREE TO
SUBMIT THE DISPUTE TO THE AMERICAN ARBITRATION ASSOCIATION UNDER ITS
CONSUMER AND/OR COMMERCIAL ARBITRATION RULES OR, BY SEPARATE MUTUAL
AGREEMENT, TO ANOTHER ARBITRATION INSTITUTION, IN ACCORDANCE WITH THE
“ARBITRATION AGREEMENT” SECTION BELOW.
YOU UNDERSTAND THAT BY ENTERING INTO THIS AGREEMENT, YOU AND POINTS GO
FURTHER ARE EACH WAIVING THE RIGHT TO A TRIAL BY JURY OR TO PARTICIPATE IN A
CLASS ACTION.

ARBITRATION AGREEMENT

A) CLAIMS TO BE RESOLVED BY BINDING ARBITRATION. TO THE MAXIMUM EXTENT
PERMITTED BY APPLICABLE LAW POINTS GO FURTHER AND YOU AGREE TO ARBITRATE
ANY AND ALL DISPUTES AND CLAIMS BETWEEN YOU AND POINTS GO FURTHER, AND
BETWEEN YOU AND OUR FORMER OR PAST EMPLOYEES, DIRECTORS, OFFICERS AND
CONTRACTORS, IN ALL CASES ARISING OUT OF OR RELATING TO THE TERMS OR THE
SERVICES, EXCEPT THAT: (1) EACH PARTY MAY COMMENCE AN ACTION IN A COURT OF
PROPER JURISDICTION FOR INJUNCTIVE OR OTHER EQUITABLE RELIEF AS
CONTEMPLATED IN SECTION 12(H) BELOW (INJUNCTIVE RELIEF) PENDING A FINAL
DECISION BY THE ARBITRATOR, (2) EITHER PARTY MAY BRING AN INDIVIDUAL ACTION
IN SMALL CLAIMS COURT IF THE RULES OF THAT SMALL CLAIMS COURT WILL ALLOW IT.
IF EITHER PARTY DOES NOT BRING ITS CLAIM IN SMALL CLAIMS COURT (OR IF YOU OR
WE APPEAL A SMALL CLAIMS COURT JUDGMENT TO A COURT OF GENERAL
JURISDICTION), THEN THE CLAIMS MUST BE RESOLVED BY BINDING, INDIVIDUAL
ARBITRATION.
YOU AGREE THAT, BY AGREEING TO THE TERMS, YOU AND POINTS GO FURTHER ARE
EACH WAIVING THE RIGHT TO A TRIAL BY JURY OR TO PARTICIPATE IN A CLASS OR
REPRESENTATIVE ACTION TO THE MAXIMUM EXTENT PERMITTED BY LAW. THE TERMS
EVIDENCE A TRANSACTION IN INTERSTATE COMMERCE, AND THUS THE FAA GOVERNS
THE INTERPRETATION AND ENFORCEMENT OF THIS ARBITRATION PROVISION. THIS
ARBITRATION PROVISION SHALL SURVIVE TERMINATION OF THE TERMS OR YOUR
RELATIONSHIP WITH POINTS GO FURTHER FOR ANY REASON.

B) ARBITRATOR. ANY ARBITRATION BETWEEN YOU AND POINTS GO FURTHER WILL BE
GOVERNED BY THE COMMERCIAL DISPUTE RESOLUTION PROCEDURES AND THE
SUPPLEMENTARY PROCEDURES FOR CONSUMER RELATED DISPUTES (COLLECTIVELY,
“AAA RULES”) OF THE AMERICAN ARBITRATION ASSOCIATION (“AAA”), AS MODIFIED BY
THESE TERMS, AND WILL BE ADMINISTERED BY THE AAA. THE AAA RULES AND FILING
FORMS ARE AVAILABLE ONLINE AT WWW.ADR.ORG, BY CALLING THE AAA AT 1-800-778-
7879, OR BY CONTACTING POINTS GO FURTHER.
ALL ISSUES ARE FOR THE ARBITRATOR TO DECIDE, INCLUDING THE SCOPE AND
ENFORCEABILITY OF THIS ARBITRATION PROVISION AS WELL AS OTHER TERMS AND
CONDITIONS IN THESE TERMS, AND THE ARBITRATOR SHALL HAVE EXCLUSIVE
AUTHORITY TO RESOLVE ANY SUCH DISPUTE RELATING TO THE SCOPE AND
ENFORCEABILITY OF THIS ARBITRATION PROVISION OR ANY OTHER TERM OF THESE
TERMS INCLUDING, BUT NOT LIMITED TO ANY CLAIM THAT ALL OR ANY PART OF THIS
ARBITRATION PROVISION OR THESE TERMS IS VOID OR VOIDABLE. HOWEVER IF
PUTATIVE CLASS OR REPRESENTATIVE CLAIMS ARE INITIALLY BROUGHT BY EITHER
PARTY IN A COURT OF LAW, AND A MOTION TO COMPEL ARBITRATION IS BROUGHT BY
ANY PARTY, THEN THE COURT SHALL DECIDE WHETHER THESE TERMS PERMIT CLASS
OR REPRESENTATIVE PROCEEDINGS. FOR THE AVOIDANCE OF DOUBT, THE COURT AND
ARBITRATOR SHALL BE BOUND BY THESE TERMS, INCLUDING WITH REGARD TO THE
CLASS ACTION WAIVER PROVISION BELOW. IN ANY ARBITRATION, THE ARBITRATOR
SHALL FOLLOW THE APPLICABLE LAW. THE ARBITRATOR SHALL NOT HAVE THE POWER
TO COMMIT MANIFEST ERRORS OF LAW OR LEGAL REASONING, AND ANY AWARD
RENDERED BY THE ARBITRATOR THAT EMPLOYS A MANIFEST ERROR OF LAW OR LEGAL
REASONING MAY BE VACATED OR CORRECTED BY A COURT OF COMPETENT
JURISDICTION FOR ANY SUCH ERROR.

DURING THE ARBITRATION, THE AMOUNT OF ANY SETTLEMENT OFFER MADE BY
POINTS GO FURTHER OR YOU SHALL NOT BE DISCLOSED TO THE ARBITRATOR UNTIL
AFTER THE ARBITRATOR DETERMINES THE AMOUNT, IF ANY, TO WHICH YOU OR POINTS
GO FURTHER ARE ENTITLED. IN ARBITRATION, AND TO THE EXTENT OTHERWISE
PERMITTED BY LAW, THE PARTIES MAY EXCHANGE “OFFERS OF COMPROMISE” OR
STIPULATE TO JUDGMENTS OR AWARDS IN THE SAME WAY THE PARTIES COULD IN
COURT. SUCH OFFERS OF COMPROMISE SHALL HAVE THE SAME FORCE AND EFFECT AS
THEY WOULD IN A COURT PROCEEDING. THE ARBITRATION PROCEEDINGS SHALL
OTHERWISE REMAIN CONFIDENTIAL, EXCEPT FOR PURPOSES OF SEEKING COURT
INTERVENTION (IF NECESSARY).

C) NOTICE AND PROCESS. A PARTY WHO INTENDS TO SEEK ARBITRATION MUST FIRST
SEND TO THE OTHER, BY CERTIFIED MAIL, A WRITTEN NOTICE OF DISPUTE (“NOTICE”).
THE NOTICE TO POINTS GO FURTHER SHOULD BE ADDRESSED TO: POINTS GO FURTHER,
LLC, INFO@POINTSGOFURTHER.COM (“NOTICE ADDRESS”) AND MUST BE SIGNED BY
YOU PERSONALLY. NOTICE TO YOU FROM POINTS GO FURTHER MAY BE TO YOU
DIRECTLY, OR IF YOU ARE REPRESENTED, TO YOUR LEGAL COUNSEL. THE NOTICE MUST
(A) DESCRIBE THE NATURE AND BASIS OF THE CLAIM OR DISPUTE; AND (B) SET FORTH
THE SPECIFIC RELIEF SOUGHT (“DEMAND”). IF YOU AND POINTS GO FURTHER DO NOT
REACH AN AGREEMENT TO RESOLVE THE CLAIM WITHIN 30 DAYS AFTER THE NOTICE IS
RECEIVED, YOU OR POINTS GO FURTHER MAY COMMENCE AN ARBITRATION
PROCEEDING PURSUANT TO THE TERMS OF THIS ARBITRATION AGREEMENT.

D) FEES. IN THE EVENT THAT YOU COMMENCE ARBITRATION IN ACCORDANCE WITH
THESE TERMS, POINTS GO FURTHER WILL, AT YOUR REQUEST, REIMBURSE YOU FOR
YOUR PAYMENT OF THE ARBITRATION FILING FEE, UNLESS YOUR CLAIM IS FOR GREATER
THAN $10,000, IN WHICH CASE THE PAYMENT OF ANY FEES SHALL BE DECIDED BY THE
AAA RULES. ANY REQUEST FOR PAYMENT OF FEES BY POINTS GO FURTHER SHOULD BE
SUBMITTED BY MAIL TO THE AAA ALONG WITH YOUR DEMAND FOR ARBITRATION AND
POINTS GO FURTHER WILL MAKE ARRANGEMENTS TO PAY ALL NECESSARY FEES
DIRECTLY TO THE AAA. IN THE EVENT THE ARBITRATOR DETERMINES THE CLAIM(S)
YOU ASSERT IN THE ARBITRATION TO BE FRIVOLOUS OR BROUGHT FOR AN IMPROPER
PURPOSE (AS MEASURED BY THE STANDARDS SET FORTH IN FEDERAL RULE OF CIVIL
PROCEDURE 11(B) OR ITS SUCCESSOR RULE), YOU AGREE TO REIMBURSE POINTS GO
FURTHER FOR ALL FEES ASSOCIATED WITH THE ARBITRATION PAID BY POINTS GO
FURTHER ON YOUR BEHALF THAT YOU OTHERWISE WOULD BE OBLIGATED TO PAY
UNDER THE AAA’S RULES.
IF YOUR CLAIM IS FOR $10,000 OR LESS, YOU MAY CHOOSE WHETHER THE ARBITRATION
WILL BE CONDUCTED SOLELY ON THE BASIS OF DOCUMENTS SUBMITTED TO THE
ARBITRATOR, THROUGH A NON-APPEARANCE BASED TELEPHONIC HEARING, OR BY AN
IN-PERSON HEARING AS ESTABLISHED BY THE AAA RULES. ANY IN-PERSON ARBITRATION
HEARINGS WILL TAKE PLACE AT A LOCATION TO BE AGREED UPON IN HARRIS COUNTY,
TEXAS. REGARDLESS OF THE MANNER IN WHICH THE ARBITRATION IS CONDUCTED, THE
ARBITRATOR SHALL ISSUE A REASONED WRITTEN DECISION SUFFICIENT TO EXPLAIN
THE ESSENTIAL FINDINGS AND CONCLUSIONS ON WHICH THE DECISION AND AWARD, IF
ANY, ARE BASED. THE ARBITRATOR MAY MAKE RULINGS AND RESOLVE DISPUTES AS TO
THE PAYMENT AND REIMBURSEMENT OF FEES OR EXPENSES AT ANY TIME DURING THE
PROCEEDING AND UPON REQUEST FROM EITHER PARTY MADE WITHIN 14 DAYS OF THE
ARBITRATOR’S RULING ON THE MERITS.

E) CLASS ACTION WAIVER. ANY ARBITRATION UNDER THESE TERMS WILL TAKE PLACE
ON AN INDIVIDUAL BASIS; CLASS ARBITRATIONS AND CLASS ACTIONS ARE NOT
PERMITTED. UNLESS BOTH YOU AND POINTS GO FURTHER AGREE OTHERWISE, THE
ARBITRATOR MAY NOT CONSOLIDATE MORE THAN ONE PERSON’S CLAIMS (EXCEPT AS
SET FORTH IN SUBSECTION (F) BELOW), AND MAY NOT OTHERWISE PRESIDE OVER ANY
FORM OF A REPRESENTATIVE OR CLASS PROCEEDING. THE ARBITRATOR MAY AWARD
RELIEF (INCLUDING MONETARY, INJUNCTIVE, AND DECLARATORY RELIEF) ONLY IN
FAVOR OF THE INDIVIDUAL PARTY SEEKING RELIEF AND ONLY TO THE EXTENT
NECESSARY TO PROVIDE RELIEF NECESSITATED BY THAT INDIVIDUAL PARTY’S CLAIM.
ANY RELIEF AWARDED CANNOT AFFECT OTHER USERS. IF THIS SPECIFIC
SUBPARAGRAPH (E) IS FOUND TO BE UNENFORCEABLE IN ITS ENTIRETY, THEN THE
ENTIRETY OF THIS ARBITRATION PROVISION SHALL BE NULL AND VOID. HOWEVER, IF
ONLY A PORTION OF THIS SUBPARAGRAPH (E) IS FOUND TO BE UNENFORCEABLE, THEN
THE UNENFORCEABLE PORTION OF THE PROVISION SHALL BE STRICKEN, AND THE
REMAINDER OF SUBPARAGRAPH (E) ENFORCED. ANY CLAIMS OR CAUSES OF ACTION
SEEKING RELIEF NOT SUBJECT TO INDIVIDUAL ARBITRATION UNDER APPLICABLE LAW
SHALL BE STAYED IN A COURT OF COMPETENT JURISDICTION PENDING COMPLETION
OF INDIVIDUAL ARBITRATION TO THE MAXIMUM EXTENT PERMITTED BY LAW. NOTHING
IN SUBSECTION (E) OR (F) BELOW SHALL PREVENT YOU OR POINTS GO FURTHER FROM
PARTICIPATING IN A CLASSWIDE SETTLEMENT OF CLAIMS.
YOU AND POINTS GO FURTHER AGREE THAT EACH MAY BRING CLAIMS AGAINST THE
OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS
MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING.

F) MASS, COLLECTIVE, OR BATCH ARBITRATION. YOU AND POINTS GO FURTHER AGREE
THAT ADMINISTRATION OF ANY MASS, COLLECTIVE OR BATCH ARBITRATION SHALL BE
GOVERNED BY THE TERMS SET FORTH IN THIS SUBSECTION (F). You and Points Go Further
agree that a “mass, collective, and/or batch arbitration” includes, but is not limited to, instances in
which you and others are represented by a law firm or collection of law firms or legal counsel that
has filed more than 150 arbitration demands of a substantially similar nature against Points Go
Further, alleging similar or identical claims or causes of action, within 180 days of the arbitration
demand filed on your or others behalf, and the law firm or collective of legal counsel/law firms
seeks to simultaneously or collectively administer and/or arbitrate all the arbitration demands
together. If more than 150 arbitration demands of a substantially similar nature, alleging the similar
or identical claims or causes of action, are filed against Points Go Further by the same law firm or
collection of legal counsel/law firms within 180 days of one another, each arbitration demand must
be filed, administered, arbitrated, and resolved pursuant to this subsection (f).
Specifically, in order to increase the efficiency of resolution for any mass, collective, and/or batch
arbitration, in the event 150 or more similar arbitration demands against Points Go Further are filed
within a 180 day period pursuant to the above, the arbitration provider shall (i) group the arbitration
demands into batches of no more than 150 demands per group; and (ii) provide for resolution of
each group or batch as a single arbitration with one set of filing and administrative fees and a single
arbitrator assigned per group or batch. You and Points Go Further agree to cooperate in good faith
with the arbitration provider to implement the aforementioned protocol for mass, collective, and/or
batch arbitrations with regard to resolution, fees and administration. If subsections (f)(i) or (f)(ii) are
not enforced, or the arbitration provider refuses to follow these specific mass, collective, and/or
batch arbitration protocols, then each arbitration demand must be filed, administered, arbitrated,
and resolved individually, or the parties agree to seek out a different, mutually agreeable and
widely-recognized arbitration organization agreeable to follow subsections (f)(i) or (f)(ii). If any other
portion of this subparagraph (f) is found to be unenforceable, then the unenforceable portion of the
provision shall be stricken, and the remainder of subparagraph (f) and this agreement shall be
enforced to the maximum extent permitted by law. Mass, collective, and/or batch arbitrations shall
otherwise be subject to all other substantive and procedural terms contained within this agreement.

g) Discovery. Discovery and/or the exchange of non-privileged information relevant to the dispute
will be governed by the AAA Rules.

h) Injunctive Relief. Notwithstanding the Arbitration Agreement, you acknowledge that money
damages are an inadequate remedy for unauthorized access to or use of the Services or your breach
of any provisions in the Terms relating to Points Go Further’s intellectual property rights, and any
such breach would result in irreparable harm to Points Go Further. Accordingly, in the event of any
such actual or threatened breach, Points Go Further may, in addition to any other rights or remedies
available to Points Go Further at law or equity, seek specific performance or injunctive relief without
the posting of a bond.

i) Modifications. If Points Go Further makes any future change to this Arbitration Agreement
(other than a change to the Notice Address) after your enrollment in a service or program or your
use of the Services, you may reject any such change and require Points Go Further to adhere to the
language in this arbitration provision as written at the time of your enrollment or purchase if a
dispute between us arises, by sending us written notice within 30 days of the change to the Notice
Address provided above. You acknowledge and agree that, in the event you reject any future
change, your account with Points Go Further shall be immediately terminated and you will arbitrate
any dispute between us in accordance with the language of this provision as written at the time of
your enrollment or purchase.

j) Severability and Enforceability. If an arbitrator or court decides that any part of this Section
12 is invalid or unenforceable, the other parts of this Section 12 shall still apply. If the entirety of this
Section 12 is found to be unenforceable, then the parties agree that the exclusive jurisdiction and
venue described in Section 11 shall govern any action arising out of or related to the Terms, and
that the remainder of the Terms will continue to apply.

13. Modification of the Services. Points Go Further reserves the right to modify or discontinue,
temporarily or permanently, some or all of the Services at any time without any notice or further
obligation to you. You agree that Points Go Further will not be liable to you or to any third-party for
any modification, suspension, or discontinuance of any of the Services.

14. General.
a) Entire Agreement. Except as specified herein, these Terms, together with the Privacy Policy,
constitute the entire and exclusive understanding and agreement between you and Points Go
Further regarding your use of and access to the Services, and except as expressly permitted above
may only be amended by a written agreement signed by authorized representatives of the parties.

b) No Waiver. The failure to require performance of any provision shall not affect our right to
require performance at any time thereafter, nor shall a waiver of any breach or default of the Terms
constitute a waiver of any subsequent breach or default or a waiver of the provision itself.

c) Paragraph Headers. Use of paragraph headers in the Terms is for convenience only and shall
not have any impact on the interpretation of particular provisions.

d) Severability. In the event that any part of the Terms is held to be invalid or unenforceable, the
unenforceable part shall be given effect to the greatest extent possible and the remaining parts will
remain in full force and effect.

e) Partner Terms. In some instances, Points Go Further’s third-party partners require that Points
Go Further users agree to be bound by some additional terms of use that are specific to particular
products or services (“Partner Terms”). In the event of any conflict between the Partner Terms and
Points Go Further’s Terms, Points Go Further’s Terms govern and control.

f) Third-Party Beneficiaries. Points Go Further’s former and past employees, directors, officers
and contractors, and each of their successors and assigns, are intended beneficiaries of Section 6
(Indemnification) and the Arbitration Agreement and have the right to enforce such provisions
against you. The Terms are not otherwise intended to grant rights to anyone except you and Points
Go Further or create any third-party beneficiary rights.

15. Notice to California Residents. Under California Civil Code Section 1789.3, you may contact
the Complaint Assistance Unit of the Division of Consumer Services of the California Department of
Consumer Affairs in writing at 1625 N. Market Blvd., Suite S-202, Sacramento, California 95834, or
by telephone at (800) 952-5210 in order to resolve a complaint regarding the service.

16. Points Go Further Customer Service. To contact us with questions or suggestions about the
service please email us info@pointsgofurther.com.

17. No Refund Policy. All sales are final. No refunds are granted due to the non- returnable nature of digital products once purchased

Points Go Further Advertising Policy
Points Go Further has relationships with 3rd Party Servicers and credit card issuers that offer
products we cover on our site. This means that we may receive compensation when you click on
these links to apply for a new credit card.
However, our editorial team retains full control over the content we create on these products. These
compensation agreements allow us to support a team who provide the latest news, analysis, and
guidance across the entire travel industry. We set high editorial standards for our team, and while
we strive to cover the latest developments for our audience, the site does not include all available
credit card offers
We also may have affiliate relationships with companies who sell products and services that are not
related to credit cards. We may receive compensation when you click on links for these companies,
but again, our editorial content and analysis of these products and services is not influenced in any
way by these agreements.

Finally, Points Go Further will, at times, may link agreements with companies to promote certain
products, services, or content in exchange for direct compensation. This can include sponsored
articles, advertisements, featured placements, or other assets. These efforts are clearly labeled as
such. While we work together with partners on creating this content, our team is the final authority
on what we publish to ensure we’re providing accurate, relevant information for our audience.

Points Go Further Mentor Agreement
This Mentor Agreement (the “Agreement”) applies to all Participants (a Participant refers to a
Mentee) in the Points Go Further Mentorship Program (the “Program”).
Understand that you are purchasing a mentorship program. Participation in the Program is
voluntary and on an individual basis. To be eligible to participate in the Program, a Participant
must be at least eighteen years old. By participating in the Program, you agree to be bound by the
terms of the Agreement. If you do not agree to the terms of this Agreement, do not participate in
the Program.

Program Description. Mentee is purchasing a 30 day mentorship program from Points Go Further
from John Peterson and/or Elizabeth Vanegas. Each Program subscription is for a single active
User for a specified term and is nontransferable.
Date and Schedule of Services. The term commences when the program is made available to
Mentee and continues for the term of 30 days. The program includes ten (10), thirty (30) minute
zoom training sessions and assistance in purchasing the first ticket (if circumstances permit.)
*There is no guarantee.
Training Recording. For the protection of the parties, all zoom training sessions will be recorded.
Termination by Mentor. Mentor may terminate or suspend the Services under this Agreement, if in
their sole discretion, it becomes impractical to continue offering Services. If services are discontinued
by Mentor, a full refund will be provided.
Limitation of Liability. Under no circumstances shall Mentor be liable to Mentee or any third party for
any damages resulting from any part of this agreement such as, but not limited to, loss of anticipated
points or miles, damages, claims, loss, liabilities, costs, causes of actions or suits, whatsoever in law
or equity, (including, without limitation, attorney’s fees and related costs) arising out of or related to
the program.
Governing Law. This agreement shall be governed by and construed in accordance with the laws
of the State of Texas, without giving effect to any principles of conflicts of law. You further
submit to the exclusive jurisdiction of the state and federal courts sitting in Harris County,
Texas. If any provision of this agreement shall be unlawful, void, or for any reason
unenforceable, then that provision shall be deemed severable from this agreement and shall not
affect the validity and enforceability of any remaining provisions.

I confirm that I have read and understood the Points Go Further Terms of Use and Privacy Policy I
agree to abide by its terms and acknowledge that, if I violate any of the Points Go Further Terms of
Use and Privacy Policy terms, Points Go Further reserves the right to terminate my participation in
the Program.

I expressly acknowledge and agree that I am participating voluntarily in the Program. I confirm that
I have read, understood, and agree to abide by the terms of this Agreement.

Points Go Further Customer Service. To contact us with questions or suggestions about the
service please email us info@pointsgofurther.com.