Effective Date: 05.01.2025

Welcome to The Rewards Mom! These Terms and Conditions (“Terms”) govern your access to and use of our website, www.therewardsmom.com (the “Site”) and any services provided by The Rewards Mom. By accessing or using our Site, you agree to be bound by these Terms. If you do not agree to all of the Terms, please do not use our Site.

1. Acceptance of Terms
By using our Site, you confirm that you are at least 18 years old or the legal age in your jurisdiction and that you have read, understood, and agreed to comply with these Terms.

2. Use of the Website
You agree to use the Site only for lawful purposes and in a manner that does not infringe the rights of others or restrict their use of the Site. Specifically, you agree NOT to:

Use the Site for any illegal or unauthorized purpose.

Interfere with or disrupt the Site, including servers or networks connected to the Site.

Attempt to gain unauthorized access to the Site or other users’ accounts.

Copy, modify, or distribute any part of the Site without our prior written consent.

3. Intellectual Property
All content available on the Site, including text, graphics, logos, images, audio, software, and other materials, is owned by The Rewards Mom or its licensors and is protected by copyright, trademark, and other intellectual property laws.

You may not:

Copy, reproduce, distribute, or create derivative works based on the Site or its content.

Use The Rewards Mom’s trademarks, logos, or branding without our express written permission.

You are granted a limited, non-exclusive, non-transferable license to access and use the Site for personal and non-commercial purposes.

4. User Accounts
If you create an account on our Site, you are responsible for:

Providing accurate, current, and complete information.

Maintaining the confidentiality of your account credentials.

All activities that occur under your account.

We reserve the right to suspend or terminate accounts at our discretion, particularly if fraudulent, abusive, or otherwise unauthorized activity is detected.

5. Payments and Transactions
If you purchase digital products, courses, or other services through the Site, you agree to:

Provide accurate billing information.

Pay all applicable fees, taxes, and charges.

All transactions are processed through secure third-party payment providers. The Rewards Mom is not responsible for errors, delays, or disputes caused by these providers.

6. Disclaimers
The Site and all content, products, and services provided by The Rewards Mom—including credit card advice, points strategies, and travel tools—are offered on an "as is" and "as available" basis without warranties of any kind, express or implied.

We do not guarantee:

The accuracy, completeness, or reliability of any content on the Site.

That the Site will be available at all times or free from errors, interruptions, or harmful components (e.g., viruses).

Any specific results from using tools, credit cards, or travel strategies mentioned on the Site.

Limitation of Liability:
To the fullest extent permitted by law, The Rewards Mom and its affiliates, officers, employees, and agents will not be liable for any direct, indirect, incidental, special, or consequential damages arising from:

Your access to or use of the Site.

Unauthorized access to or alteration of your data.

Third-party content, products, or services linked to the Site.

7. Third-Party Links
Our Site may include links to third-party websites, tools, or services—including affiliate links to platforms like credit card tools, points trackers, or travel booking services. These links are provided for your convenience, and The Rewards Mom does not endorse or assume responsibility for the content, policies, or practices of any third-party sites. Some of these links may generate commissions that help support the Site.

8. Termination
We reserve the right to suspend or terminate your access to the Site at any time, with or without notice, for any reason, including violation of these Terms. Upon termination, your right to use the Site will cease immediately.

9. Indemnification
You agree to indemnify, defend, and hold harmless The Rewards Mom, its affiliates, directors, employees, and agents from any claims, damages, liabilities, costs, or expenses (including legal fees) arising from:

Your use of the Site.

Your breach of these Terms.

Your violation of any third-party rights.

10. Governing Law
These Terms shall be governed by and construed in accordance with the laws of the State of Utah, without regard to conflict of law principles. Any disputes arising under these Terms will be resolved exclusively in the courts of Utah County, Utah.

11. Changes to These Terms
We reserve the right to update or modify these Terms at any time. Any changes will be effective immediately upon posting on this page. By continuing to use the Site after changes are posted, you accept the revised Terms.

12. Contact Us
If you have any questions, concerns, or feedback about these Terms, please contact us:

The Rewards MomEmail: hello@therewardsmom.comWebsite: www.therewardsmom.com

This Terms and Conditions agreement was last updated on 05.01.2025.

Terms and Conditions
The Rewards Mom 30-Day Challenge Agreement.

THIS THE REWARDS MOM, LLC 30-DAY CHALLENGE AGREEMENT this "Agreement" is entered into and effective as of the date of purchase by and between the purchaser (Client," "you," or "your") and [THE REWARDS MOM, LLC], a Utah limited liability company ("we," "us," "our," or "TRM"), and sets forth the legally binding terms for your access to The Rewards Mom 30-Day Challenge (the "Program").
By purchasing access to the Program, you acknowledge, understand, and agree to be bound by the following terms and conditions.

1. The Program; License
The Program may include video lessons, audio recordings, PDFs, printable workbooks, live call recordings, bonus masterclasses, access to a private members portal, and, as a founding-member bonus, twelve (12) months of access to the TRM+ membership (including the TRM+ AI trip-planning tool, members-only masterclasses, and live Q&A sessions) (collectively, the "Materials"). You are granted a limited, non-exclusive, non-transferable, revocable license to access the Materials for your personal, non-commercial use only. We may suspend or terminate your license, without refund and without canceling any remaining installment obligations, if we determine in our reasonable discretion that you have materially breached this Agreement, including by sharing access credentials or redistributing Materials.

2. Account and Credentials
You will create an account with accurate, current information and keep it updated. Your login credentials are for your use alone; sharing logins, passwords, or protected links is a material breach of this Agreement. By registering, you consent to receive Program-related communications from us, including announcements and offers; you may unsubscribe from marketing messages at any time.

3. Payment
In consideration for access, you agree to pay the full purchase price plus applicable taxes and fees, by either (a) a one-time payment or (b) a two-installment payment plan, as selected at checkout. You authorize us to charge your selected payment method on the schedule you selected, and you agree to keep your payment information current.

If a payment fails or is declined, your access to the Program — including all Materials, community features, and bonuses (including TRM+ bonus access) — may be suspended until the outstanding balance is successfully processed. A suspension for non-payment does not pause or extend any access period. If you experience a payment problem, contact hello@therewardsmom.com within five (5) business days.

You agree not to initiate a chargeback or payment dispute for charges you authorized; please contact us first so we can resolve any billing concern. You are responsible for our reasonable costs of collecting past-due amounts, including reasonable attorneys' fees. We are not responsible for overdraft, over-limit, NSF, or similar fees imposed by your financial institution.

4. TRM+ Bonus Membership; Renewal
Your Program purchase includes twelve (12) months of TRM+ membership at no additional charge, beginning on your purchase date.

At the end of the 12-month bonus period, your TRM+ membership will automatically renew at the then-current annual rate (currently $99/year) unless you cancel before the renewal date. We will send a reminder to your email on file at least 30 days before renewal, and you may cancel at any time from your account settings or by emailing hello@therewardsmom.com. (Note: auto-renewal requires clear checkout disclosure and express consent under federal ROSCA rules and many state auto-renewal laws — confirm your checkout flow with your attorney.)

5. Refund Policy
The Program is a digital product delivered immediately upon purchase. All sales are final and no refunds will be issued. We may, in our sole and absolute discretion, offer a courtesy accommodation to a Client who has completed the full Program — all thirty (30) days of lessons and action steps — and contact hello@therewardsmom.com in good faith; any such accommodation is voluntary, case-by-case, and does not create any right, entitlement, or guarantee of a refund. (If you sell to EU/UK customers, ask your attorney about required cooling-off waiver language for digital content.)

6. Educational Purposes Only; Not Financial, Credit, or Legal Advice
The Program is provided for general educational and informational purposes only. TRM is not a bank, credit union, lender, credit repair organization, financial planner, investment adviser, accountant, travel agency, or law firm, and nothing in the Program constitutes financial, investment, credit, tax, legal, or other professional advice. No advisory or fiduciary relationship is created by your purchase or participation. You are solely responsible for your own financial decisions, including whether to apply for any credit product, and you should consult a qualified professional regarding your individual circumstances.
The Program teaches strategies that assume responsible credit use, including paying statement balances in full and on time. Rewards strategies are generally not appropriate for anyone carrying revolving credit card debt. You acknowledge that applying for credit can affect your credit profile, that card issuers — not TRM — decide approvals, credit limits, and bonus eligibility, and that TRM has no control over and makes no promises regarding any decision by any bank, card issuer, airline, hotel, or loyalty program.

7. Third-Party Programs; No Guarantee of Availability
Loyalty programs, credit card products, welcome offers, transfer partners, award charts, point valuations, and award availability are controlled entirely by third parties and change frequently and without notice. Information in the Program is believed accurate as of its recording date but may become outdated. Your participation in any third-party program is governed solely by that third party's terms, and you are responsible for complying with them (including card issuer application rules and loyalty program terms). TRM is not affiliated with, endorsed by, or sponsored by any bank, card issuer, airline, or hotel program unless expressly stated.

8. Affiliate Disclosure
TRM may receive compensation when you use affiliate links or are approved for products through links provided in the Program or on our website. This compensation does not affect the price you pay. We only recommend products we believe are useful, but you should always independently confirm that any product fits your circumstances.

9. AI Trip-Planning Tool
The TRM+ AI trip builder generates automated suggestions based on TRM's educational content. AI-generated output may be incomplete, outdated, or incorrect, and award pricing and availability change in real time. The tool's output is for brainstorming and educational purposes only and is not a booking service, fare guarantee, or professional travel advice. Always verify pricing, availability, routing, and program rules directly with the airline, hotel, or bank before transferring points or booking. TRM is not liable for any decision, transfer, purchase, or booking you make in reliance on the tool's output. Point transfers are generally irreversible; you assume all risk of loss from any transfer or redemption you initiate.

10. Results Disclaimer
TRM does not represent, warrant, or guarantee any particular result from the Program, including any amount of points earned, travel booked, money saved, card approvals, or welcome bonuses received. Results described in our marketing (including our family's own redemptions) are illustrative of what is possible, not typical, and depend on factors outside our control, including your spending, credit profile, effort, household circumstances, and third-party program changes.

11. Community and User Content
The Program may allow you to post comments, questions, screenshots, or other content ("User Content") in community areas or on live calls. User Content is visible to other participants and is not confidential — do not post full card numbers, account numbers, or other sensitive personal or financial information. You are solely responsible for your User Content and agree it will be lawful, respectful, and free of content that infringes any third party's rights, harms or exploits any person, or promotes or advertises other products, services, or coaching without our written permission. We may remove User Content or restrict community access at our discretion. We act only as a passive conduit for User Content and are not liable for content posted by others.
By posting User Content, you grant TRM a perpetual, irrevocable, worldwide, royalty-free, sublicensable, transferable license to use, reproduce, modify, publish, display, distribute, and create derivative works from that User Content — including your name, voice, image, and likeness as they appear in it — in connection with the Program and TRM's business, including marketing, in any media now known or later developed. You represent that you have all rights needed to grant this license. You also grant other Program participants a non-exclusive license to view your User Content within the Program.

12. Recording Release
Live sessions (including Q&As) may be recorded and made available as replays to Program and TRM+ members. If you appear, speak, or share your screen on a live session, you consent to TRM's capture and use of your voice, image, likeness, and shared content in those recordings and replays, and you waive any right to inspect or approve them. All such recordings are the exclusive property of TRM. If you prefer not to be recorded, keep your camera and microphone off or watch the replay instead of attending live.

13. Intellectual Property
All Materials — including videos, audio, workbooks, frameworks, checklists, graphics, and the structure and sequence of the Program — are owned by TRM or its licensors and are protected by copyright and other intellectual-property laws. You may not copy, share, resell, republish, teach from, create derivative works from, or otherwise exploit the Materials, in whole or in part, without TRM's prior written permission, which may be withheld in TRM's sole discretion. All trademarks, logos, and service marks displayed in the Program are the property of TRM or their respective owners, and no license to use them is granted by this Agreement.

14. Copyright Complaints (DMCA)
If you believe content in the Program infringes your copyright, send a notice to hello@therewardsmom.com or by mail to [Registered Agent name and address] including: your contact information; a description of the copyrighted work; the location of the allegedly infringing material; a good-faith statement that the use is unauthorized; a statement under penalty of perjury that your notice is accurate and that you are the owner or authorized to act for the owner; and your physical or electronic signature.

15. Assumption of Risk; Release; Limitation of Liability
You acknowledge that the Program is educational, that all financial and travel decisions are yours alone, and that you assume full responsibility for any risks, losses, or damages arising from your use of the Program, including decisions about credit products, point transfers, and travel bookings. To the fullest extent permitted by law, you, on behalf of yourself and your heirs, successors, and assigns, release and discharge TRM and its members, managers, officers, employees, contractors, and agents from any and all claims, damages, and causes of action, whether in contract, tort, statute, or otherwise, arising from or relating to your use of the Program.
TO THE FULLEST EXTENT PERMITTED BY LAW, TRM'S TOTAL AGGREGATE LIABILITY ARISING OUT OF OR RELATING TO THIS AGREEMENT OR THE PROGRAM SHALL NOT EXCEED THE AMOUNT YOU PAID TRM FOR THE PROGRAM, AND TRM SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, OR PUNITIVE DAMAGES, INCLUDING LOST POINTS, LOST TRAVEL, OR LOST SAVINGS. Some jurisdictions do not allow certain limitations, so portions of this section may not apply to you. If any part of this section is held unenforceable, it shall be severed and the remainder enforced to the maximum extent permitted.

16. Indemnification
You agree to indemnify, defend, and hold harmless TRM and its members, managers, officers, employees, contractors, agents, successors, and assigns from and against all liabilities, losses, claims, demands, causes of action, judgments, costs, and expenses (including reasonable attorneys' fees) arising from or relating to your breach of this Agreement, your use of the Program, your User Content, or your violation of any law or third-party right.

17. Modifications
We may update this Agreement from time to time. Updates are effective upon posting to our website, and we will notify you of material changes by email or in the members portal. Your continued use of the Program after notice constitutes acceptance; if you do not agree, your remedy is to discontinue use of the Program.

18. Force Majeure
Neither party is liable for delay or failure to perform caused by events beyond its reasonable control (including acts of God, natural disasters, war, labor disputes, government action, utility or platform outages, or acts of third parties); provided that no force majeure event excuses your payment obligations. If a force majeure event continues for more than thirty (30) days, the unaffected party may terminate this Agreement.

19. Governing Law; Disputes; Time Limit
This Agreement is governed by the laws of the State of Utah, without regard to conflict-of-law principles. The parties consent to the exclusive jurisdiction and venue of the state courts located in Alpine Utah, and the federal courts for the District of Utah, and waive objections to jurisdiction and venue in those courts. UNLESS PROHIBITED BY APPLICABLE LAW, ANY CLAIM ARISING OUT OF OR RELATING TO THE PROGRAM OR THIS AGREEMENT MUST BE FILED WITHIN ONE (1) YEAR AFTER THE CLAIM ACCRUES OR IT IS PERMANENTLY BARRED.

20. Miscellaneous
(a) Entire agreement. This Agreement is the entire agreement between you and TRM regarding the Program and supersedes all prior or contemporaneous communications on the subject. A copy is available anytime by emailing hello@therewardsmom.com
(b) Successors. This Agreement binds and benefits the parties and their respective successors, heirs, and permitted assigns, and confers no rights on any third party.
(c) No waiver. A party's failure to enforce any provision is not a waiver of that provision or of any later breach.
(d) Severability. If any provision is held invalid or unenforceable, it will be severed, the remainder will remain in full force, and a valid provision as close as possible in effect will be deemed substituted.
(e) Non-use. Your failure to use the Program after purchase does not void this Agreement or entitle you to a refund.
(f) Assignment. You may not assign this Agreement without TRM's prior written consent; any attempted assignment without consent is void. TRM may assign its rights and obligations under this Agreement.
(g) Independent parties. Nothing in this Agreement creates a partnership, joint venture, employment, or agency relationship between the parties.
(h) Remedies cumulative. TRM's rights and remedies under this Agreement are in addition to any available at law or in equity.
(i) Enforcement costs. TRM is entitled to reimbursement of reasonable fees and costs, including attorneys' fees, incurred in enforcing this Agreement.
(j) Interest. Past-due amounts accrue interest at the lesser of 1.5% per month or the maximum rate permitted by law. (Confirm your state's usury limit with your attorney before setting this rate.)
(k) Fair construction. This Agreement will be construed according to the plain meaning of its terms, without any presumption against the drafting party.
Effective as of the date of purchase.

THE REWARDS MOM, LLC hello@therewardsmom.com