Terms of Service

30 minute strategy call

Last Updated: July 5, 2025

By booking a 30-minute strategy call (“Service”) with Points Alchemy (“Company,” “we,” “our,” or “us”), you (“Client” or “you”) agree to the following Terms of Service:

1. Informational Purposes Only – No Financial or Legal Advice

The content of the strategy call is for educational and informational purposes only. The strategy call does not constitute professional financial, investment, legal, tax, or accounting advice. We are not registered financial advisors, brokers, or certified planners.

Any strategies discussed are based on personal experience and general knowledge. You should consult with a licensed financial advisor, CPA, attorney, or other appropriate professional before making decisions based on the information provided in the call.

You assume full responsibility for any decisions made or actions taken following the strategy session.

2. Scheduling, Cancellations, and Rescheduling

  • All bookings must be made through our official scheduling platform (e.g., Calendly).

  • You may reschedule or cancel your appointment up to 24 hours before the scheduled time using the link provided in your confirmation email.

  • Cancellations made at least 24 hours in advance will be eligible for a full refund upon request or may be rescheduled without penalty.

3. Late Cancellations and No-Shows

  • Cancellations made less than 24 hours before the session are not eligible for a refund, but one courtesy reschedule may be offered at our discretion.

  • No-shows or failure to attend the session without notice will result in forfeiture of payment and no reschedule.

4. Payment Terms

  • Full payment is required at the time of booking.

  • All fees are listed in USD unless otherwise noted.

  • We reserve the right to modify pricing or session availability at any time.

5. Limitation of Liability

To the fullest extent permitted by law, Points Alchemy shall not be liable for any direct, indirect, incidental, special, or consequential damages resulting from your use of the Service or reliance on any information provided during the call.

6. Privacy and Confidentiality

We respect your privacy. Information shared during the call is kept confidential and will not be shared outside of our organization without your express permission, except as required by law.

7. Acceptance of Terms

By scheduling and paying for a strategy call, you acknowledge that you have read, understood, and agreed to these Terms of Service.

Terms of Service

Coaching

By enrolling in Points Alchemy Coaching, you (“Client”) agree to the following Terms of Service with Michael Gray, founder of Points Alchemy (“Coach”). These terms govern all coaching services provided and must be accepted prior to submitting payment.

1. Coaching Services

Points Alchemy Coaching provides one-on-one virtual coaching focused on travel hacking, personal finance optimization, and lifestyle strategy. Services may include monthly strategy sessions, customized plans, and personal guidance tailored to your goals.

2. Start Date

  • If selecting the monthly payment plan, coaching officially begins on the first day of the month following registration.

  • If selecting the yearly payment plan, coaching begins immediately after payment is received unless otherwise agreed.

3. Payment Options

Clients may choose from the following payment plans:

A. Monthly Plan

  • $50/month, billed monthly in advance

  • First payment must be submitted before the first coaching month begins

  • If payment is not made prior to a scheduled session, the session will be automatically cancelled

  • If payment is not received by the 5th of the month, a 10% late fee will be added

  • If payment remains unpaid for 30 days, the coaching agreement will be terminated, and the Client will be responsible for the remaining balance on the annual rate ($500 minus any monthly payments already made)

B. Yearly Plan

  • $500/year, paid in full at registration

  • Includes 12 consecutive months of coaching

  • No refunds will be issued for early cancellation or unused time

4. Session Cancellation & Rescheduling

  • Sessions must be cancelled or rescheduled with at least 48 hours’ notice

  • Each Client is allowed one (1) no-penalty reschedule per calendar year

  • Missed sessions or cancellations made less than 48 hours in advance will be forfeited and not rescheduled or refunded

5. Termination Policy

Coach reserves the right to terminate coaching at any time for non-payment, abusive behavior, or breach of these terms. Clients may cancel at any time, but no refunds will be issued for unused coaching or payments already made.

6. Client Responsibility

Coaching is not therapy or professional financial/legal advice. Client is solely responsible for their actions, decisions, and outcomes as a result of coaching.

7. Confidentiality

All personal information shared during coaching sessions will be kept confidential, unless disclosure is required by law.

8. Governing Law

These Terms of Service are governed by the laws of the State of Tennessee.