Terms & Conditions

These Terms & Conditions (the "Terms") govern your access to and use of the websites, content, products, and services offered by Kiona LLC ("Company," "we," "us," or "our") under the Points Well Taken brand (the "Service"). By accessing or using the Service, you agree to be bound by these Terms and our Privacy Policy. If you do not agree, please do not use the Service.

You must be 18 years of age or older to use the Service. If you are entering into these Terms on behalf of a company or other entity, you represent that you have the authority to bind that entity.

1. Definitions

• Agreement means the legally binding relationship between you and us created by these Terms.
• Owner or We means Kiona LLC, doing business as Points Well Taken.
• Service means our websites, content, products (including the Award Travel Playbook and any future Master Class), membership community (including live Q&A calls, group video calls, and any online or in-person meetings), our social media presence (including our Facebook Group and Page and Instagram account), and 1:1 sessions such as paid consultation calls.
• User or You means the individual or entity using the Service.

2. Content & Intellectual Property

All content on the Service - including text, graphics, logos, and the Award Travel Playbook - is owned by us or our licensors and protected by copyright and other intellectual property laws. You may not reproduce, distribute, publicly display, or create derivative works from our content, or use it to train any machine learning, AI, or similar model, without our prior written permission.

Our name, logo, and "Points Well Taken" branding are our trademarks and may not be used without our written consent.

3. Acceptable Use

You agree to use the Service only for lawful purposes and in accordance with these Terms. You will not: use any automated tool (bot, scraper, or similar) to access or copy the Service; resell or redistribute our content; interfere with the proper functioning of the Service; or use our communication channels (such as our community or email) for unsolicited commercial solicitation.

4. Purchases, Fees & Payments

Certain parts of the Service, such as the Award Travel Playbook, Founding Membership, Book a Call sessions, and any future Master Class, require payment. Prices are as listed at the time of purchase and are subject to change; we will notify you of any pricing changes before they apply to you. Payments are processed by a third-party payment processor; we do not store your full payment card information.

5. Membership Billing & Cancellation

If you join the Founding Membership (or any future recurring membership), the following applies:

• Recurring Billing: your membership fee is billed automatically on a monthly or annual basis (as selected at signup), starting on the date you join, and continues until you cancel.
• Price: Founding Members lock in their rate for as long as their membership remains active and uninterrupted; if you cancel and later rejoin, then-current pricing will apply.
• Cancellation: you may cancel at any time by emailing [email protected]. Your access will continue through the end of your current paid billing period (monthly or annual); we do not provide prorated refunds for partial periods.
• Failed Payments: if a payment fails, we may retry the charge or suspend your membership access until payment is resolved.
• Changes: we may modify membership features or pricing for future billing periods with reasonable notice to you.

6. Refund Policy

For one-time purchases (such as the Award Travel Playbook), we offer a 30-day money-back guarantee, subject to the following:

• Refund requests made the same day as purchase, without having implemented or reviewed the material, are not eligible.
• To request a refund, please provide constructive feedback on what specifically did not meet your expectations.
• General dissatisfaction alone ("this wasn't what I expected," "this doesn't apply to me") does not qualify as a valid refund reason; this policy exists to protect the integrity of our products.

Recurring membership fees are addressed separately in Section 5 above and are not covered by this one-time-purchase refund policy.

7. Text Message Communications

If you opt in to receive text messages from us (for example, appointment or webinar reminders), standard message and data rates may apply. Reply STOP to opt out at any time, or HELP for assistance. See our Privacy Policy for more detail.

8. No Warranties; Disclaimer

The Service is provided "as is" and "as available," without warranties of any kind, express or implied. We do not guarantee that the Service will be uninterrupted, error-free, or that any specific outcome (such as a particular point value, redemption, or travel booking result) will be achieved. Point values, award availability, transfer ratios, and card offers are set entirely by airlines, hotels, and card issuers - not by us - and change frequently.

9. Not Financial, Legal, or Tax Advice

Points Well Taken is an educational resource. Nothing on the Service constitutes financial, legal, tax, or credit advice, and we are not financial advisors. Please consult a qualified professional before making financial decisions, including applying for credit. See our Affiliate & Referral Disclosure for information about our affiliate and referral relationships.

10. Limitation of Liability

To the maximum extent permitted by law, in no event will Kiona LLC, its officers, directors, employees, or affiliates be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, data, or goodwill, arising from your use of the Service.

11. Indemnification

You agree to defend, indemnify, and hold harmless Kiona LLC and its officers, directors, employees, and affiliates from any claims, damages, or expenses (including reasonable attorneys' fees) arising from your violation of these Terms or your use of the Service.

12. Service Availability

We may interrupt or suspend the Service for maintenance, updates, or reasons outside our reasonable control (such as internet outages or other force majeure events). We will make reasonable efforts to notify you of any planned interruption.

13. Feedback

If you provide us with suggestions, ideas, or feedback, you grant us the right to use that feedback for any purpose, without any obligation or compensation to you.

14. Termination

We may suspend or terminate your access to the Service if you violate these Terms. Upon termination, provisions of these Terms that by their nature should survive (including intellectual property, disclaimers, and limitation of liability) will continue to apply.

15. Legal Disputes & Arbitration

Agreement to Arbitrate. Except for claims that qualify for small claims court or disputes involving intellectual property, you and Kiona LLC agree that any dispute arising from or relating to these Terms or the Service will be resolved exclusively through final, binding arbitration administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules, rather than in court.

No Class Actions. Any arbitration will be conducted on an individual basis only. Neither you nor we may bring a claim as a plaintiff or class member in any purported class, consolidated, or representative proceeding.

Location & Cost. Arbitration will take place in a location reasonably convenient to you, or may be conducted by phone or written submission for claims under $10,000. Arbitration fees will be allocated according to the AAA Consumer Arbitration Rules, which generally limit the filing fee you would need to pay and shift the remaining administrative and arbitrator fees to us.

Small Claims Carve-Out. You may always bring an individual claim in small claims court instead of arbitration, if it qualifies.

If any part of this arbitration provision is found unenforceable, the remainder will still apply, except that if the "No Class Actions" provision is found unenforceable, the entire arbitration provision will be void and disputes will instead be resolved in court as described in Section 16.

16. Governing Law

These Terms are governed by the laws of the State of California, without regard to its conflict of laws principles. For any dispute not subject to arbitration under Section 15, the exclusive venue shall be the state or federal courts located in California.

17. Changes to These Terms

We may update these Terms from time to time. We will post the updated Terms on this page and revise the "Last updated" date above. Your continued use of the Service after changes are posted constitutes acceptance of the updated Terms.

18. Contact Information

Questions about these Terms can be sent to:

• Email: [email protected]
• Mail: Kiona LLC, 4195 Chino Hills Pkwy, Unit 534, Chino Hills, CA 91709

By using this website, you acknowledge that you have read, understood, and agree to be bound by these Terms & Conditions.