Terms of Service

Last updated: July 2026

These terms govern your use of thepatiencepath.com and any services purchased through it, including Points Concierge sessions. By using the site or purchasing a session, you agree to these terms.

The content on this site

Articles, newsletters, and other content published by The Patience Path are for educational and informational purposes only. They are not financial, investment, tax, or legal advice, and shouldn't be treated as a substitute for advice from a qualified professional.

Points Concierge sessions

• Sessions are booked and paid for through Stripe. Pricing at the time of purchase is the price you pay.
• After payment, you'll complete an intake form and schedule your call.
• Points Concierge is travel and points strategy only — not financial, investment, tax, or credit advice. See the disclosure page for details.
• We do not guarantee specific outcomes (card approvals, redemption availability, award pricing) — those depend on factors outside our control, including issuer decisions and third-party award inventory.

Cancellations & refunds

If you need to reschedule, email nate@thepatiencepath.com as soon as possible and we'll find a new time. Refund requests are handled on a case-by-case basis — reach out and we'll work it out.

Affiliate links

Some links on this site are affiliate or referral links. See the full affiliate disclosure for details.

Limitation of liability

The Patience Path and Nate are not liable for financial decisions you make based on content published on this site or discussed during a Points Concierge session. You're responsible for your own financial decisions.

Changes to these terms

We may update these terms from time to time. Continued use of the site after changes means you accept the updated terms.

Contact

Questions about these terms can be sent to nate@thepatiencepath.com.