What First Officer Is
First Officer by UpNonStop™ is an AI-powered loyalty points advisory service delivered via WhatsApp. We help you understand your credit card rewards, optimize card usage, track expiring credits, and plan award travel, all through conversational intelligence.
First Officer is an artificial intelligence system. You are interacting with AI, not a human. Recommendations are generated by AI models and are for educational purposes only. First Officer is available to United States residents and businesses only.
Eligibility
You must be at least 18 years old to use First Officer. By using the service, you confirm that you meet this age requirement. If you are subscribing on behalf of a business, you represent that you are authorized to bind that organization to these terms and that all cardholders enrolled under your account have consented to their data being used within the service.
AI-Generated Recommendations
First Officer uses artificial intelligence (including models from Anthropic/Claude) to analyze your rewards portfolio and generate personalized recommendations. While we work hard to ensure accuracy, AI-generated information can contain errors. You should always verify recommendations before acting on them, especially before making transfers, bookings, or card applications.
What We Are, and What We Are Not
UpNonStop provides information, research and advice. You hold your own points, in your own accounts, and you make your own bookings. UpNonStop is not a travel agency, tour operator, air carrier, ticket agent or seller of travel. We do not hold funds in trust, do not take custody of loyalty balances or account credentials, and do not book, ticket, hold or reserve travel.
Your responsibilities. You are responsible for reviewing every recommendation before acting on it, for verifying current terms, fares, availability and program rules directly with the issuer, airline or hotel before you transfer points or book, and for executing every transfer and booking yourself. Point transfers are generally irreversible.
No guarantee of outcome. We do not control award inventory, transfer ratios, issuer approval decisions or program rules, and we do not promise any particular redemption, availability, valuation or saving. Figures we publish are estimates based on stated assumptions and are not a projection of your results.
Subscription & Billing
First Officer is a recurring monthly subscription billed through Stripe. By subscribing, you authorize automatic renewal each billing cycle at your plan's current rate. Pricing may change with at least 30 days' written notice before the new rate takes effect.
Your subscription begins on the date you first subscribe and renews on the same date each month.
Cancellation
You can cancel your subscription at any time through the Stripe Customer Portal or by messaging us on WhatsApp. Cancellation takes effect at the end of your current billing cycle, and you'll retain access to the service until then. After cancellation, your data will be deleted within 30 days.
Refund Policy
We do not issue refunds for partial billing periods. If you cancel mid-cycle, your subscription remains active through the end of that cycle, but no prorated refund will be provided.
Award Search Service
The award search is available for $500 per itinerary, regardless of party size. The fee covers the search: availability across dates and routing options, the transfer path, the timing, and a fallback if the primary option disappears. You receive a written itinerary plan with the exact steps in order, and you execute the transfers and the booking yourself, in your own accounts. The fee is non-refundable once the search begins, which means once we start checking availability and pricing routes for your dates.
No Credential Storage
Our software and AI tools never store your loyalty program passwords, credit card login credentials, or banking credentials. Our automated systems never ask for or retain your login passwords.
Data Handling & Privacy
Your data is stored with row-level isolation in Supabase, meaning every client's data is completely separated at the infrastructure level. We handle access, correction and deletion requests to CCPA standards for every client, whatever their nationality or where they live. You can request full deletion of your data at any time by contacting us, and we complete it within 30 days.
For more detail on what we collect and how we use it, see our Privacy Policy and the Do Not Sell My Info notice.
Your Responsibilities
As a First Officer user, you agree to:
- Verify all recommendations before acting on them, including point transfers, card applications, and bookings
- Provide accurate information about your cards, balances, and travel goals
- Not share your First Officer account access with anyone outside your own business
- Use the service for lawful purposes only
Limitation of Liability
To the maximum extent permitted by law, UpNonStop and its officers, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of points, loss of award availability, missed bookings, or loss of promotional value, arising from your use of First Officer.
Our total liability for any claim arising from or related to the service shall not exceed the amount you paid us in the twelve (12) months preceding the claim.
First Officer is provided "as is" without warranties of any kind, express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement.
What this section does not limit. Nothing in these terms limits or excludes liability for fraud, intentional misconduct or gross negligence, or any liability that cannot lawfully be limited or excluded. Nothing in these terms waives any right you have under the New Jersey Consumer Fraud Act or any other consumer protection statute of your state, and any provision of these terms that would be void or unenforceable under New Jersey law is void and unenforceable in New Jersey only, without affecting the remainder.
Governing Law
These Terms of Service are governed by and construed in accordance with the laws of the State of New Jersey, without regard to conflict of law principles. Any disputes arising under these terms shall be resolved in the courts located in the State of New Jersey.
Changes to These Terms
We may update these terms from time to time. When we do, we'll update the "Last updated" date at the top of this page. Continued use of the service after changes constitutes acceptance of the revised terms.
Contact
Questions about these terms? Reach us at compliance@upnonstop.com or message us on WhatsApp.