Policies

Last updated: 10/6/2026

PointsRx is operated by Mingjuan Lisa Zhang, doing business as PointsRx (“PointsRx,” “we,” “us,” or “our”). These policies apply to points-rx.com (the “Website”) and PointsRx consultations and materials.

Terms of Service

1. Agreement and eligibility

You must be at least 18 and legally able to enter into a contract to purchase services. These Terms, your selected service description, and any additional terms expressly agreed in writing form your service agreement. Please review them before booking. By expressly accepting these Terms during booking or otherwise in writing, you agree to them.

The terms and service description accepted at booking apply to that engagement. Any specific change must be agreed in writing. Third-party platforms have separate terms for their own services.

2. Scope of services and support

PointsRx provides personalized points and miles strategy, planning, and education. Your selected service description sets the price, session length, preparation, deliverables, and included support. A written plan or pre-call research is included only when stated in that description.

Please provide requested intake information by the deadline communicated to you. Missing or inaccurate information can limit your guidance. If information needed for a promised deliverable is missing, we will identify what is needed and agree on a revised delivery date. Business days are Monday through Friday, excluding U.S. federal holidays.

Unless expressly included in your purchased service, additional research, new trip requests, substantial plan revisions, and follow-up sessions require a separate agreement and may carry an additional fee disclosed before you commit. Services do not include unlimited email support, continuous monitoring, or urgent assistance.

3. Service exclusions

PointsRx does not:

  • Act as a travel agent, issue tickets, or book, change, or cancel travel or awards for you.

  • Open or close accounts, submit applications, transfer points, make purchases, or manage accounts on your behalf.

  • Request passwords, security codes, or access to your financial or loyalty accounts.

  • Hold award inventory or continuously search for or monitor fares, awards, offers, or program changes.

  • Handle travel disruptions, provider refunds, insurance claims, credit disputes, or negotiations with issuers or travel providers.

We may explain options or demonstrate a process. You complete and verify your own transactions.

4. Professional boundaries

Our guidance is educational and does not replace professional financial, investment, legal, tax, accounting, credit-repair, or medical advice. PointsRx does not provide those professional services. A consultation does not create a fiduciary, investment-adviser, or physician-patient relationship. Lisa’s medical credentials do not change the nature of PointsRx services. Mentioning an issuer, loyalty program, provider, or institution does not imply its endorsement of PointsRx.

5. Credit-card, spending, and transfer risks

Annual fees, interest, other charges, and unnecessary spending can outweigh rewards. Applications, account closures, and changes in utilization may affect your credit and future borrowing. Do not exceed your budget or incur debt solely to earn rewards.

Before applying or acting, verify current eligibility rules, bonus restrictions, spending requirements, deadlines, fees, and benefit terms directly with the provider. Card approval does not guarantee bonus eligibility. Returns, excluded purchases, missed deadlines, or program violations may reduce or reverse rewards.

Point transfers are often irreversible. Transfer ratios, processing times, fees, and account-name requirements vary. Award availability or pricing can change before a transfer finishes, leaving points in a program you cannot use as planned. Verify the booking details and transfer rules before transferring. PointsRx cannot reverse transfers or recover points for you.

6. No guaranteed outcomes or continuing updates

PointsRx does not guarantee approvals, bonus eligibility, points earned, redemption values, savings, upgrades, status, benefit access, or availability for any route, date, cabin, hotel, or number of travelers. Programs may change prices, devalue or expire points, remove partners, restrict accounts, reverse rewards, or end offers.

Recommendations reflect the information reasonably available when prepared and the information you provide. They do not cover every product or offer and may become outdated. Valuations, savings estimates, examples, and personal results are illustrative, depend on assumptions, and do not promise your results. Points are not equivalent to cash, and advertised cash prices may differ from what you would otherwise pay.

We do not undertake to update a completed plan or monitor later changes unless agreed in writing. Confirm current provider terms before acting.

7. Client and household responsibilities

Provide accurate, relevant information and tell us about important constraints or changes. You are responsible for your applications, spending, payments, transfers, bookings, traveler details, travel documents, entry requirements, and compliance with issuer and program rules. Our guidance does not authorize false applications, misuse of another person’s information, or circumvention of program restrictions.

Share another person’s information only with their permission. Household participants must consent to discussing their circumstances; each adult controls their own accounts and decisions. Do not send passwords, one-time codes, Social Security numbers, complete account or card numbers, or identity documents.

8. Appointment timing and technology

Check the time zone in your booking confirmation and join using the meeting link provided. You are responsible for a working device, internet connection, and access to the meeting platform. If you cannot connect, email lisa@points-rx.com promptly.

Late arrival does not extend the scheduled end time. A no-show occurs when you do not attend and have not canceled or rescheduled before the scheduled start time. Client-side technical problems do not automatically qualify for a refund; contact us so we can review the circumstances. If a problem on our side prevents the session, the PointsRx cancellation provisions below apply.

9. Payment, cancellations, and rescheduling

The service price and applicable taxes are disclosed before you commit to a booking. Payment is due as stated in the booking flow. Additional services or fees require disclosure and your agreement. Published price changes do not increase the agreed price of an existing booking.

The following policy applies to paid consultations unless different terms are expressly agreed in writing. Free Fit Calls have no cancellation or rescheduling fees. Notice periods are measured from the scheduled appointment start time. A change fee is calculated on the booked service price, excluding tax. Cancellation credits are calculated on the prepaid consultation fee, excluding tax and previous change fees, and include any existing credit applied to that booking.

  • Reschedule at least 24 hours before the start: no change fee.

  • Reschedule less than 24 hours before the start: a change fee equal to 25% of the booked service price.

  • Cancel at least 24 hours before the start: a full refund of the prepaid consultation fee and any taxes paid on that fee.

  • Cancel less than 24 hours before the start: no cash refund; a credit equal to 50% of the prepaid consultation fee is issued toward a future booking.

  • No-show: the appointment fee is non-refundable and no credit is issued.

Use the cancellation or rescheduling option in your confirmation, or email lisa@points-rx.com. Email notice is measured by when your message is received, even if our reply comes later. If the booking platform does not allow a change, email us before the applicable deadline. A single change request is treated as either cancellation or rescheduling, not both.

Cancellation or rescheduling requests must be received before the scheduled start time to qualify for the applicable change option. Where a refund is due, amounts paid by card or another payment method are returned through that method where possible, or another method agreed with you, and amounts paid using an existing credit are restored as credit, except where law requires otherwise. A change fee covers a completed rescheduling and is not included in a later refund of the consultation fee.

Late-cancellation credit is issued after the appointment is canceled and must be applied to a new booking made within 90 days of the cancellation date. It is not redeemable for cash. If the new service costs more than the credit, you pay the disclosed difference. Any unused balance retains its original expiration date. The cancellation policy also applies to the new appointment.

If PointsRx cancels or cannot provide the booked session, you may choose a replacement appointment at no additional charge or a full refund of the amount paid for that appointment. We will notify you of a material delay affecting a promised deliverable and discuss a reasonable resolution. All cancellation charges, credits, and refund restrictions remain subject to applicable law.

10. Completed services, concerns, and ending an engagement

Fees cover the consultation and stated deliverables, rather than a particular rewards outcome. A completed service is not refundable solely because you do not implement the guidance, disagree with a recommendation, or do not achieve a hoped-for result. We remain responsible for providing any included written plan.

If a stated deliverable is missing or you believe there is an error, email lisa@points-rx.com so we can review it. These Terms do not limit remedies for services we fail to provide, mandatory refund rights, or lawful rights to dispute a charge.

We may decline or end an engagement involving harassment, abusive conduct, fraud, unlawful requests, or misuse of accounts or information. If we end an engagement, we will refund prepaid amounts attributable to services not provided. Any amount retained for partially completed work must reflect its reasonable value and comply with applicable law.

11. Materials and permitted use

Our original Website content, plans, templates, and resources are protected by applicable intellectual-property rights. Third-party content and trademarks remain their owners’ property. You may use materials provided to you for your own noncommercial planning and share them privately with participating household members. You may not sell, publicly distribute, or republish our original materials without written permission.

You retain ownership of information you provide and permit us to use it to perform your service as described in the Privacy Policy. These Terms do not restrict honest reviews, lawful complaints, or legally protected disclosures.

12. Referrals and third-party services

Some links are personal referral links. Lisa may receive points, miles, a bonus, a credit, cash, or another benefit if you use one. Using a referral link is optional and is not a condition of receiving services. Offers may differ between links or channels; compare current terms before applying. Referral benefits do not guarantee your eligibility or results.

Third-party websites, tools, issuers, loyalty programs, and travel providers control their own terms, decisions, pricing, availability, and performance. PointsRx does not control those services and is not responsible for their acts or omissions. This does not remove our own obligations under your service agreement or applicable law.

13. Website availability and liability limits

The Website and general educational resources are provided as available. We do not promise uninterrupted access, error-free content, or uninterrupted third-party tools. This does not remove express commitments in a purchased service.

To the maximum extent permitted by applicable law, PointsRx, including its owner, is not liable for indirect, incidental, special, consequential, or punitive damages arising from the Website or services. Subject to the exceptions below, our total aggregate liability for claims arising from a particular service will not exceed the amount you paid PointsRx for that service.

These limits do not exclude or limit liability for fraud, gross negligence, reckless or intentional misconduct, or any liability or consumer right that applicable law does not allow us to exclude or limit.

14. Governing law and policy changes

Massachusetts law governs these Terms, except where mandatory protections under another applicable law take precedence. Please contact us about concerns so we can try to resolve them. Doing so is not a prerequisite to exercising legal rights and does not shorten a filing deadline. If a provision is unenforceable, the remaining provisions continue to apply to the extent permitted by law.

Revised Terms will be posted with an updated date and apply to future engagements when accepted. They do not retroactively change an existing booking or accrued claim without your agreement.

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Privacy Policy

1. Information we collect

We collect information you provide through forms, bookings, email, intake materials, and consultations. This may include your name, email, phone number, appointment details, messages, current cards, self-reported application history, spending categories, points balances, travel goals, and relevant household preferences.

We do not need passwords, security codes, Social Security numbers, full account or card numbers, or identity documents. Avoid unnecessary identifying information about children; approximate ages and general travel needs are usually sufficient.

Payment providers collect payment details directly. We may receive transaction identifiers, payment status, and limited billing information needed for receipts, refunds, or accounting. PointsRx does not store full payment-card numbers.

2. Website information and cookies

Our Website host and integrated providers may collect IP addresses, browser and device details, pages viewed, referring pages, timestamps, and approximate location through server logs, cookies, or similar technologies. External fonts and embedded features may also send technical information to their providers.

Necessary technologies support Website operation and security. Analytics, if enabled, help us understand usage. You can manage cookies through your browser and any privacy controls offered by the relevant platform. Blocking them may affect features. External websites and booking tools have their own privacy controls.

3. How we use and share information

We use information to respond to inquiries; schedule and provide services; organize intake; prepare guidance and deliverables; send service communications; process payments and refunds; maintain business records; address complaints; protect our services; and meet legal obligations.

We do not sell your personal information. We share information as reasonably needed with providers supporting Website hosting and forms, scheduling, payments, email, video meetings, intake organization, document preparation, and storage. Providers process information under applicable agreements and their own privacy policies; processing may occur outside your state or country.

We may also disclose information when required by law or legal process, to address suspected fraud or security incidents, or as reasonably necessary to establish or defend legal claims. Other participants you invite to a consultation will hear or see information discussed during that session.

We do not publish identifiable client information, testimonials, or client stories for promotional purposes without permission.

4. Notes and recordings

PointsRx does not record or transcribe consultation calls. We may take written notes for your plan and service records. Do not record, transcribe, or add an automated meeting assistant without prior permission from PointsRx and consent from every participant. You may take personal written notes.

5. Retention, security, and your requests

We retain information for as long as reasonably needed to provide services, maintain appropriate business and tax records, resolve disputes, and meet legal obligations. Retention depends on the record and its purpose; legal preservation requirements may require longer retention.

We use safeguards appropriate to the information and our business. No electronic transmission or storage system can be guaranteed completely secure. Contact us promptly about accidentally shared sensitive information or a security concern.

You may request access to, correction of, or deletion of information by emailing lisa@points-rx.com. We may verify your identity using limited information and will address requests in accordance with applicable law. Information needed for legal, tax, fraud-prevention, or dispute-resolution purposes may be retained. Backup deletion may follow a provider's normal retention cycle.

If deletion would limit an active service, we will explain that before proceeding. Additional privacy rights may apply depending on your location and applicable law.

6. Updates

We may update this Privacy Policy as practices or legal requirements change. We will post the revised date and provide additional notice or obtain consent where required by applicable law.

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Contact

If you have any questions about privacy and terms or requests, please contact: lisa@points-rx.com