The terms that govern your use of my website and services.
By accessing my website or engaging my services, you agree to be bound by these Terms & Conditions. If you do not agree with any part of these terms, please do not use my website or services.
Margins and Miles provides business spending optimization and travel rewards advisory services. I offer strategy, guidance, and recommendations related to credit card selection and points/miles optimization. I do not guarantee approval for any credit card or financial product, as approval decisions are made solely by the issuing institution.
My services are for informational and strategic guidance purposes only and do not constitute financial, legal, credit, or tax advice. You should consult a licensed financial advisor, attorney, or tax professional for advice specific to your situation before making financial decisions.
You are solely responsible for any credit card applications, financial decisions, and account management actions you take, whether based on my recommendations or otherwise. You are also responsible for reviewing all terms, fees, and conditions associated with any financial product before applying.
While I aim to help you maximize the value of your business spending, I do not guarantee specific point totals, redemption values, approval outcomes, or travel availability. Results vary based on individual circumstances, card issuer policies, and program terms, which are subject to change at any time.
Fees for my services, if applicable, will be disclosed and agreed upon prior to the start of an engagement. [Insert your specific payment, refund, and cancellation policy details here.]
To the fullest extent permitted by law, Margins and Miles shall not be liable for any indirect, incidental, or consequential damages arising from your use of my website or services, including but not limited to loss of points, denied applications, or changes to loyalty program terms.
I may update these Terms & Conditions from time to time. Continued use of my website or services after changes are posted constitutes your acceptance of the revised terms.
If you have questions about these Terms & Conditions, please contact me at [Insert Contact Email].