Terms and Disclaimers

Last updated October 10, 2026

Education only

Everything on this site and in our products is for education and organization. It is not financial, credit, legal, or tax advice, and it is not a recommendation to apply for, keep, or cancel any credit card. Talk to a qualified professional about your own situation.

Deemed reliable, not guaranteed

Card offers, program details, transfer partners, point values, and bank rules come from public sources and are believed accurate when published. They are not guaranteed. Banks, airlines, and hotels can change or end their programs at any time, sometimes on a schedule announced in advance. Always confirm current terms with the bank or program before you apply, transfer points, or book.

Your decisions are yours

Point transfers are usually final. Liane Jamason LLC is not responsible for lost points, missed bonuses, denied applications, fees, interest, changes to your credit, travel disruptions, or other losses that come from using this site or our products.

Use credit responsibly

Applying for credit can affect your credit score. Only use credit you can pay off in full every month.

Affiliate disclosure

Some links on this site, in our emails, and on our social media are affiliate or referral links. If you apply or buy through them, Liane Jamason LLC may earn a commission or points at no extra cost to you. It never changes what we recommend.

Not affiliated

Points & Provisions is independent and is not affiliated with, sponsored by, or endorsed by any bank, card issuer, airline, hotel, or loyalty program. All trademarks belong to their owners.

Digital products and refunds

Our products are instant digital downloads, so all sales are final. If something isn't working, email liane@pointsandprovisions.com and we'll make it right.

Your purchase gives you a personal license to use the product for yourself and your household. Please do not resell, share, upload, or redistribute it.

No warranty

The site and our products are provided as is, without warranties of any kind. To the fullest extent the law allows, our total liability for any claim is limited to the amount you paid us.

Contact

Questions? Email liane@pointsandprovisions.com.