Terms

Payment
The total fee for the above services is $500 USD per month, billed over a minimum commitment of a six (6) month term, with the first payment due prior to the initiation of the Evaluation of Spending ("Evaluation") and subsequent consultation sessions. Failure to complete the term does not relieve Client of the remaining balance owed.

Clients who elect to pay in full upfront shall receive a discounted rate of $5000 USD, due in full prior to the initiation of the Evaluation.

Payments shall be made via ACH and debit/credit cards and are non-refundable, except as noted below.

Rescheduling and refunds
Client may reschedule any consultation session with at least 24 hours’ notice. No-shows or cancellations within 24 hours are non-refundable and will count as a completed session. In the event Consultant cannot deliver services due to unforeseen circumstances, a full or prorated refund will be provided, depending on the work completed to date.

Client responsibilities

Client shall:

• Provide accurate and complete financial information necessary for Consultant’s review.

• Cooperate in scheduling and attending strategy sessions.

• Implement recommendations to the best of their ability.

Deliverables

Once the Evaluation is complete, an analysis and strategy deck shall be delivered via email. The subsequent consultation session shall be scheduled at a reasonable time agreed by both parties, at most ninety (90) days after completion of Evaluation. Failure to schedule the session within this timeframe will release the Consultant from this agreement.

Term and termination
This Agreement shall commence for agreed term from the Effective Date, unless terminated earlier by either Party with written notice. In the event of termination by Client, no refunds shall be issued.

Confidentiality and Non-Disclosure Agreement
All Client information shared with Consultant will be kept confidential. Consultant may share client interaction and success stories on all social media platforms in an anonymized fashion for business purposes.

Non-Disclosure Agreement

In consideration of the consulting services provided under this Agreement, both parties agree to the following non-disclosure obligations:

1. Definition of Confidential Information. “Confidential Information” means any and all non-public information disclosed by either party to the other, whether orally, in writing, or by any other means, including but not limited to: financial data, account information, spending habits, credit history, personal identification details, business strategies, proprietary methods, client lists, and any other information designated as confidential or that reasonably should be understood to be confidential given the nature of the information and the circumstances of disclosure.

2. Obligations of Receiving Party. Each party agrees to: (a) hold the other party’s Confidential Information in strict confidence; (b) not disclose such information to any third party without prior written consent; (c) use the Confidential Information solely for the purposes of performing obligations under this Agreement; and (d) protect the Confidential Information with at least the same degree of care used to protect its own confidential information, but no less than reasonable care.

3. Exceptions. Confidentiality obligations shall not apply to information that: (a) is or becomes publicly known through no breach of this Agreement; (b) was rightfully known to the receiving party prior to disclosure; (c) is independently developed by the receiving party without use of the Confidential Information; or (d) is required to be disclosed by law, regulation, or court order, provided the disclosing party is given prompt written notice and a reasonable opportunity to seek a protective order.

4. Data Security. Consultant agrees to implement reasonable technical and organizational measures to safeguard all Client Confidential Information against unauthorized access, disclosure, alteration, or destruction.

5. Return or Destruction of Information. Upon termination or expiration of this Agreement, or upon written request by Client, Consultant shall promptly return or destroy all Confidential Information in its possession, including any copies, notes, or summaries derived therefrom.

6. Duration. The confidentiality obligations set forth in this section shall survive the termination or expiration of this Agreement for a period of one (1) year.

7. Remedies. Each party acknowledges that any breach of this section may cause irreparable harm for which monetary damages would be an inadequate remedy. Accordingly, the non-breaching party shall be entitled to seek equitable relief, including injunction and specific performance, in addition to all other available remedies.

Disclaimer and limitation of liability
Consultant is not a financial advisor, travel agent, or legal professional. Consultant provides educational and strategic guidance only. There may be instances whereby the Client will have some cash outlay, not limited to but including taxes, award booking fees, and flight costs when booking trips. Client is solely responsible for decisions related to credit card applications, financial behavior, and travel bookings. In no event shall Consultant be liable for any damages arising from the use or misuse of the information provided. Consultant makes no guarantees regarding specific outcomes, travel availability, or the ability to accrue or redeem points.

Intellectual property
All materials provided, including but not limited to the strategy deck, are the intellectual property of Consultant. Client is granted a limited, non-transferable license to use the materials for personal, non-commercial purposes only.

Affilate disclosure
Consultant does not have direct connection to any credit card or travel companies. All opinions expressed are solely from Consultant personal experience and expertise. At times, Consultant may provide affiliate links which result in referral bonuses or payment. The use of any such links will be disclosed upfront.