TERMS OF USE

Effective Date: June 29, 2025

1. Acceptance of Terms. Welcome to Stacy Travel Points. These Terms of Use ("Terms") govern your use of our website located at stacytravelpoints.com (the "Site") and all related services provided by Stacy Travel Points ("we," "us," or "our").
By accessing or using our Site, you agree to be bound by these Terms. If you disagree with any part of these Terms, then you may not access the Site.

2. Description of Services. Stacy Travel Points provides educational content, courses, and resources about maximizing credit card rewards and points for travel. Our goal is to help you achieve free or significantly discounted travel through strategic use of credit card rewards. Our services include:
• Free and paid educational content
• Email newsletters
• Downloadable guides and resources
• Online courses
• Affiliate recommendations for credit cards and financial products

3. Affiliate Disclosure and Financial Disclaimer.

Advertiser Disclosure
ADVERTISER DISCLOSURE: Stacy Travel Points has partnered with CardRatings for our coverage of credit card products. Stacy Travel Points and CardRatings may receive a commission from card issuers.

Some or all of the card offers on the website of Stacy Travel Points are from advertisers. Compensation may impact how and where card products appear on this website. Stacy Travel Points does not include all card companies or all available card offers.

EDITORIAL DISCLOSURE: Opinions, reviews, analyses & recommendations are the author's alone, and have not been reviewed, endorsed or approved by any of these entities.

Financial Disclaimer
IMPORTANT NOTICE: The information provided on this Site is for educational and informational purposes only and should not be construed as professional financial, investment, tax, or legal advice. We are not licensed financial advisors, tax professionals, or attorneys.

Credit Card Risks: Credit cards involve significant financial risks including but not limited to:
• Accumulation of debt and interest charges
• Annual fees and other costs
• Potential negative impact on credit scores
• Variable interest rates and terms
• Personal financial liability

You should carefully review all credit card terms and conditions and consult with qualified financial professionals before making any financial decisions. Credit card approval depends on individual creditworthiness and other factors beyond our control.

Results Disclaimer
NO GUARANTEE OF RESULTS: Individual results will vary significantly. We make no guarantees that you will achieve any specific results from following our strategies or recommendations. Your success in earning and redeeming credit card rewards depends on numerous factors including:
• Your personal creditworthiness and credit history
• Your income and ability to meet minimum spending requirements
• Your adherence to credit card terms and conditions
• Changes in credit card reward programs and redemption values
• Your organizational skills and attention to detail
Past point values, redemption rates, and success stories shared on this Site may not reflect current or future availability. Credit card issuers may change their terms, rewards, and programs at any time without notice.

Testimonial Disclaimer
Testimonials, case studies, and examples found on this Site are exceptional results and are not intended to represent or guarantee that anyone will achieve similar results. Each individual's success depends on their specific circumstances, effort, and adherence to program rules. The testimonials are not necessarily representative of all users and are not guarantees of future performance or success.

4. User Accounts. To access certain features of our Site, you may need to create an account. You agree to:
• Provide accurate, current, and complete information
• Maintain the security of your password and account
• Accept responsibility for all activities that occur under your account
• Notify us immediately of any unauthorized use of your account
We reserve the right to terminate accounts, remove content, or refuse service at our sole discretion.

5. Intellectual Property Rights. All content on this Site, including text, graphics, logos, images, audio clips, video clips, digital downloads, and software, is the property of Stacy Travel Points or its content suppliers and is protected by United States and international copyright laws.
You may not:
• Reproduce, distribute, or create derivative works from our content without express written permission
• Use our content for commercial purposes without authorization
• Remove any copyright or proprietary notices from our materials

6. User-Generated Content. By submitting content to our Site (such as blog comments or testimonials), you:
• Grant us a non-exclusive, royalty-free, perpetual, irrevocable, and fully sublicensable right to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, and display such content worldwide
• Represent and warrant that you own or control all rights to the content you post
• Agree that your content will not violate any right of any third party
We reserve the right to remove any user content at our sole discretion.

7. Acceptable Use Policy. You agree not to use the Site:
• For any unlawful purpose or to solicit others to perform unlawful acts
• To violate any international, federal, provincial, or state regulations, rules, laws, or local ordinances
• To infringe upon or violate our intellectual property rights or the intellectual property rights of others
• To harass, abuse, insult, harm, defame, slander, disparage, intimidate, or discriminate
• To submit false or misleading information
• To upload or transmit viruses or any other type of malicious code
• To interfere with or circumvent the security features of the Site

8. Purchases and Payment. All purchases made through our Site are subject to the following terms:
• Prices are subject to change without notice
• We reserve the right to refuse or cancel any order
• Payment processing is handled by secure third-party payment service providers
• You agree to provide current, complete, and accurate purchase and account information
• We utilize industry-standard security measures for all payment transactions

9. Third-Party Services. Our Site may utilize various third-party services to enhance functionality and user experience, including but not limited to:
• Website hosting and infrastructure services
• Payment processing services
• Email marketing platforms
• Analytics and tracking services
• Content delivery networks
• Customer support tools

These third-party services may have their own terms of service and privacy policies. We are not responsible for the practices of third-party service providers, though we strive to work only with reputable providers who maintain appropriate security and privacy standards.

10. Refund Policy. Refund policies for specific products will be clearly stated at the point of purchase. Digital products may have limited refund eligibility due to their nature. Please review product-specific refund terms before making a purchase.

11. Limitation of Liability. TO THE MAXIMUM EXTENT PERMITTED BY LAW, STACY TRAVEL POINTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION, LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM YOUR USE OF THE SITE OR SERVICES.
IN NO EVENT SHALL OUR AGGREGATE LIABILITY EXCEED THE AMOUNT YOU HAVE PAID TO US IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE LIABILITY.

12. Disclaimer of Warranties. THE SITE AND ALL INFORMATION, CONTENT, MATERIALS, PRODUCTS, AND SERVICES ARE PROVIDED "AS IS" WITHOUT WARRANTIES OF ANY KIND. WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

13. Indemnification. You agree to defend, indemnify, and hold harmless Stacy Travel Points and its officers, directors, employees, agents, and affiliates from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees arising out of or relating to your violation of these Terms or your use of the Site.

14. Governing Law and Jurisdiction. These Terms shall be governed by and construed in accordance with the laws of the State of Utah, United States, without regard to its conflict of law provisions. You agree to submit to the personal jurisdiction of the state and federal courts located in Utah for any disputes arising out of or relating to these Terms or the Site.

15. Dispute Resolution.
Application - This dispute resolution process applies only to disputes, claims, or controversies brought by you against Stacy Travel Points arising out of or relating to these Terms or the Site. This process does not limit Stacy Travel Points' ability to pursue claims against you or any third party, including but not limited to claims for intellectual property infringement, unauthorized use, or violation of these Terms.

Internal Resolution Process - Before initiating any formal legal proceedings against us, you agree to first attempt to resolve any dispute through the following internal process:

Step 1: Initial Contact You must first contact our customer support team with a detailed description of your dispute. We will acknowledge receipt of your complaint within five (5) business days and will work in good faith to resolve the issue within thirty (30) days of receipt.

Step 2: Legal Review If the issue cannot be resolved through customer support within thirty (30) days, you may request escalation to legal review. Our legal team will review your dispute and respond within thirty (30) days with a proposed resolution.

Step 3: Mandatory Mediation If the dispute remains unresolved after legal review, both parties agree to participate in mandatory mediation before a neutral mediator. The mediation shall take place in Utah, with costs split equally between the parties. Either party may initiate mediation by providing written notice to the other party.

Step 4: Binding Arbitration If mediation does not resolve the dispute, the dispute shall be resolved through binding arbitration in accordance with the Commercial Arbitration Rules of the American Arbitration Association. The arbitration shall take place in Utah, and judgment on the award rendered by the arbitrator may be entered in any court having jurisdiction.

Attorney's Fees - In any dispute resolution proceeding (including mediation or arbitration) between you and Stacy Travel Points, the prevailing party shall be entitled to recover its reasonable attorney's fees and costs from the non-prevailing party.

16. Severability. If any provision of these Terms is held to be unenforceable or invalid, such provision will be changed and interpreted to accomplish the objectives of such provision to the greatest extent possible under applicable law, and the remaining provisions will continue in full force and effect.

17. Changes to Terms. We reserve the right to modify or replace these Terms at any time at our sole discretion. Any changes will be posted on this page with an updated "Effective Date." Your continued use of the Site after any changes constitutes your acceptance of the new Terms.

18. Contact Information. If you have any questions about these Terms, please contact us at:
Stacy Travel Points
c/o Pace Johnson Law Group
231 E 400 S Ste 345
Salt Lake City, UT 84111

19. Entire Agreement. These Terms, together with our Privacy Policy, constitute the entire agreement between you and Stacy Travel Points regarding the use of our Site and supersede all prior and contemporaneous understandings, agreements, representations, and warranties.