Points Playbook Concierge – Terms & Conditions

Points Playbook Concierge – Terms & Conditions
Effective as of 02/13/25

These Terms & Conditions govern the Points Playbook Concierge service provided by 901 Flights (“901 Flights,” “we,” “us”). The Service helps clients create and execute a personalized points strategy through one-on-one support, flight and hotel search, and travel planning.

By enrolling in the Points Playbook Concierge (the “Service”), you agree to these Terms and to the Personalized Points Playbook Terms & Conditions, which are incorporated by reference.

What the Concierge Service Includes

  • Full access to the Personalized Points Playbook, including your custom strategy and training modules.
  • Up to three (3) one-on-one 30-minute Zoom coaching calls to review your strategy and answer questions.
  • Personalized flight and hotel searches based on your travel plans and points balances.
  • Booking support: guidance on transferring points and completing your bookings.
  • One destination request per enrollment: one fully researched and supported trip.
  • Optional: referral to a travel advisor for details beyond flights/hotels (e.g., trains, transfers, tours). There is no fee to work with the advisor; you are responsible for any services she books on your behalf.

Scope & Responsibilities (Important)

901 Flights and Ashling Woolley are not travel agents or travel planners. The Service provides strategic recommendations and support. You are responsible for:

  • Finalizing and confirming bookings;
  • Verifying all traveler names, dates, and travel details before booking;
  • Contacting airlines/hotels directly for changes, cancellations, or service issues.

901 Flights and Ashling Woolley are not liable for delays, errors, interruptions, program rule changes, or other third-party issues that occur before, during, or after travel.

Planning Timelines

To maximize value and availability, submit trip requests at least ninety (90) days before departure. Requests submitted under 90 days may limit options; availability and support cannot be guaranteed for short-notice trips.

Money-Back Guarantee (12 Months)

We offer a 100% Money-Back Guarantee if you do not generate at least $5,000 in free travel value (flights, hotels, or other travel expenses covered by points) within twelve (12) months of your program start date.

To qualify, you must:

  • Complete the steps outlined in your personalized strategy within recommended timelines;
  • Open/use the recommended credit cards as advised;
  • Actively communicate with 901 Flights and request support when needed;
  • Track points earned and redeemed and provide documentation for verification;
  • Keep your account in good standing (see Payment Plans & Billing);
  • Accurately disclose any credit constraints (e.g., bankruptcy, collections, recent delinquencies, issuer restrictions, credit freezes/fraud alerts) and promptly update 901 Flights if they change. Non-disclosure voids the Guarantee.

Value calculation:
“Free travel value” is the sum of (A) the publicly verifiable cash price of flights/hotels booked with points during the 12-month period (minus any portion you paid in cash; required taxes/fees on award travel are not subtracted), plus (B) the value of any net-new, unredeemed points earned during the period (ending balance minus starting balance). Points used to book the measured travel are not double-counted. For calculation purposes, points are valued at conservative partner-redemption rates (not bank-portal rates):

  • Transferable bank points (Amex/Chase/Citi/Capital One/Bilt): $0.015 per point
  • Airline miles: $0.013 per mile
  • Hotel points: $0.006 per point

Example: You book $4,000 of travel on points and finish the year with 500,000 net-new unredeemed transferable points. Credited value = $4,000 + (500,000 × $0.015) = $11,500 (guarantee satisfied).

Credit Profile Disclosures & Guarantee Eligibility

You agree to fully and accurately disclose any circumstance that may impact credit card approvals or bonus eligibility, including but not limited to: prior or pending bankruptcy, debt management/settlement programs, charge-offs or accounts in collections, recent late payments or delinquencies, credit freezes or fraud alerts, adverse action letters, issuer-specific restrictions or family rules, and other material credit constraints. You also agree to promptly notify 901 Flights of any changes to your credit profile during the Service term.

901 Flights does not provide credit repair services and cannot guarantee issuer approvals or specific bonus offers. Where constraints exist, 901 Flights will adjust your strategy to pursue the best available outcomes under the circumstances. However, any material non-disclosure or misrepresentation of your credit profile voids the Money-Back Guarantee and may result in suspension or termination of Service without refund.

Client Responsibilities

To enable best results, you agree to:

  • Provide complete and accurate information on credit cards, points balances, and travel preferences;
  • Submit trip plans at least 90 days prior to departure;
  • Remain responsive to communication;
  • Follow the strategies outlined in your Playbook.

Payment Plans & Billing

If you enroll using a monthly payment plan, the following terms apply:

  • Automatic monthly payments. You authorize 901 Flights to automatically charge your selected payment method on the same calendar date each month as your first payment. If that date does not occur in a given month (e.g., the 31st), the charge will occur on the last day of that month.
  • Your responsibility. You are responsible for all scheduled payments, maintaining a valid payment method on file, and ensuring sufficient funds. Promptly update payment details if your card is lost, expired, or replaced.
  • Missed or failed payments. If a payment is declined or not received on the due date, all Services (including coaching calls, planning/booking support, and access to any gated materials) will be paused immediately until the account is brought current. We may attempt to re-process the payment; however, Services remain paused until payment is successful.
  • Extended non-payment. If a past-due balance is not resolved within fourteen (14) days, 901 Flights may terminate enrollment and/or require immediate payment of any remaining balance owed.
  • No proration or extensions. Pauses due to non-payment do not entitle you to prorated refunds and do not automatically extend your access period; any make-goods are at 901 Flights’ discretion and subject to availability.
  • Guarantee eligibility. To remain eligible for guarantees/refunds described in these Terms, your account must be current. Periods of delinquency pause guarantee timelines and may void eligibility.
  • Chargebacks. Any chargeback or payment reversal is treated as non-payment and may result in immediate suspension or termination of Services.

Term, Duration & Expiration

The Service term begins on the purchase date and ends twelve (12) months thereafter. Unused calls, planning time, or deliverables expire at term end and will not be carried over or refunded.

Scheduling, No-Shows & Rescheduling

Calls require at least twenty-four (24) hours’ notice to reschedule. No-shows or cancellations inside 24 hours may be forfeited at 901 Flights’ discretion.

All Sales Final (Outside the Guarantee)

Except for the Money-Back Guarantee expressly stated herein, all fees are non-refundable and non-cancellable.

Limitations

The Service does not guarantee specific flights, seats, rooms, brands, or prices. All bookings are subject to third-party inventory, program rules, devaluations, blackouts, schedule changes, and other factors outside our control. You are responsible for all taxes, fees, and surcharges on bookings and for confirming all details before purchase.

Travel Insurance & Traveler Responsibilities

You are solely responsible for passports/visas, entry requirements, health documentation, and obtaining travel insurance. 901 Flights recommends purchasing travel insurance for all trips.

Disclaimers (Credit Decisions & Advice)

901 Flights does not guarantee credit approvals, specific bonus offers, or issuer decisions. Content is educational only and not financial, legal, tax, or investment advice. You are responsible for all decisions.

Force Majeure & Platform Outages

901 Flights is not liable for delays or failures due to events beyond its reasonable control, including program changes/devaluations, issuer outages, government actions, strikes, disasters, epidemics, or major platform disruptions.

Program Changes & Valuation Adjustments

Airline/hotel/issuer programs may change without notice. 901 Flights may update its valuation schedule and methodologies prospectively to reflect market changes.

Confidentiality

Each party will keep the other’s non-public information confidential and use it only to perform under this Agreement, except where disclosure is required by law.

Non-Transferability; No Third-Party Access

Access to the Service is personal to Client and may not be assigned, shared, or transferred without 901 Flights’ written consent.

Recording Consent

Client consents to the audio/video recording of sessions for internal delivery, quality, and note-taking. Recordings are Confidential Materials and are not for redistribution.

Communications

Client consents to receive Service communications by email and scheduling tools. Operational notices will be deemed delivered when sent to the email on file.

Intellectual Property & Use Restrictions

All materials provided (including the Playbook, trainings, tools, and resources) are owned by 901 Flights and are for your personal use only. You may not share, distribute, or resell them.

Use of AI/Generative Tools (Prohibited)

You agree not to upload, input, paste, transcribe, summarize, or otherwise provide any 901 Flights materials into public or third-party AI/ML systems (e.g., ChatGPT, Gemini, Claude, Copilot, Llama-based web tools), including but not limited to the Points Playbook, strategy documents, trainings, worksheets, emails, call recordings/transcripts, proprietary booking processes, pricing, or any member-only content (“Confidential Materials”).

  • No training/benchmarking. You may not use Confidential Materials to train, fine-tune, evaluate, or benchmark any model or dataset.
  • No redistribution. You may not prompt an AI system to reproduce, share, or generate derivative works of Confidential Materials.
  • Written consent required. Any exception requires prior written consent from 901 Flights.
  • Enforcement. Violation is grounds for immediate suspension/termination of Services and may result in injunctive relief and damages. These obligations survive termination.

Reviews, Testimonials & Marketing License

You agree that feedback you provide to 901 Flights—whether written (email, message, survey), spoken on calls, or posted as a review/testimonial—may be used for marketing and promotional purposes (e.g., website, emails, social media, ads, case studies).

  • License. You grant 901 Flights a perpetual, worldwide, royalty-free license to use, reproduce, edit for length/clarity, and publicly display such feedback, along with your first name/initials and general location (e.g., “Stephanie W., Memphis”), and non-identifying trip details.
  • No sensitive info. We will not publish payment data, addresses, or other sensitive personal information.
  • Attribution options. If you prefer anonymity or initials only, notify us in writing and we will honor that for future use.
  • No compensation. Testimonials and reviews are voluntary and unpaid.
  • Revocation. You may request removal from future marketing at any time; previously published materials may remain in existing placements but will not be used in new placements after your request.

Acceptable Use & Fraud Prevention

Client will not engage in manufactured spending, misrepresentation, or activity that violates issuer terms. 901 Flights may suspend or terminate Service for suspected fraud or abuse.

Affiliate Disclosure

901 Flights may receive compensation from some card issuers or partners for approved applications or bookings. Such relationships do not influence our recommendations.

Indemnification

Client agrees to indemnify and hold harmless 901 Flights from claims, damages, and costs arising from Client’s misuse of the Service, violation of issuer terms, or breach of this Agreement.

Limitation of Liability

To the maximum extent permitted by law, 901 Flights’ total liability for any claim arising out of or relating to the Service shall not exceed the total fees paid by Client for the Service.

Governing Law & Venue

This Agreement is governed by the laws of the State of Tennessee, without regard to conflict-of-laws rules. The parties agree to exclusive venue in state or federal courts located in Shelby County, Tennessee.

Modifications to Terms

901 Flights may update these Terms from time to time. Material changes will be communicated by email and apply prospectively from the stated effective date.

Entire Agreement; Severability

These Terms, together with any executed order form or written agreement, are the entire agreement and supersede all prior discussions. If any provision is unenforceable, the remainder remains in effect.

Contact

Questions about these Terms or the Service? Contact: ashling@901flights.com

Acknowledgment

By enrolling, you acknowledge that you have read, understood, and agree to these Terms & Conditions, including planning timelines, the advisory scope of the Service, the Money-Back Guarantee requirements and value calculation, Payment Plans & Billing terms, and Credit Profile Disclosures. If you execute a separate written agreement, that agreement governs to the extent of any conflict and includes these Terms by reference.