These ClubCoverage™ Program Terms, Conditions, Disclaimer and Participation Agreement ("Agreement") govern participation in the ClubCoverage Program ("ClubCoverage"), a travel protection and travel assistance program operated by Bokkara Management LLC ("Bokkara," "Company," "we," "our," or "us").

By enrolling in, accessing, participating in, or utilizing ClubCoverage, you ("Member," "Participant," or "Client") acknowledge that you have read, understood, and agree to be legally bound by this Agreement.

1. PROGRAM PURPOSE

ClubCoverage is a travel protection and travel assistance program designed to assist eligible members experiencing qualifying travel disruptions through travel support services, ClubPoints redemption opportunities, and rebooking assistance.

ClubCoverage is intended to provide members with access to assistance and support when eligible travel disruptions occur.

ClubCoverage is not intended to replace travel insurance and should not be relied upon as a substitute for any insurance product.

2. IMPORTANT NOTICE

CLUBCOVERAGE IS NOT INSURANCE

ClubCoverage is not an insurance policy, insurance contract, indemnity product, warranty, guarantee, reimbursement program, financial service, or regulated insurance offering.

Participation in ClubCoverage does not create an insurer-insured relationship between Bokkara and any member.

Bokkara does not underwrite risk and does not guarantee reimbursement of losses, expenses, damages, or travel-related costs.

Members are strongly encouraged to purchase separate travel insurance from a licensed insurance provider if additional protection is desired.

3. DEFINITIONS

ClubCoverage

The travel protection and assistance program offered by Bokkara.

ClubPoints

Points accumulated through participation in Bokkara programs which may be redeemed for eligible travel assistance services subject to program rules.

Eligible Travel Disruption

A qualifying travel event determined by Bokkara to be eligible for assistance under this Agreement.

Assistance Request

A request submitted by a member seeking assistance under ClubCoverage.

Rebooking Assistance

Travel coordination services provided by Bokkara to assist a member in securing alternative travel arrangements.

Vendor

Any airline, hotel, accommodation provider, transportation provider, tour operator, travel supplier, booking platform, or third-party service provider.

4. MEMBERSHIP ELIGIBILITY

Participation in ClubCoverage is available only to eligible Bokkara members.

Bokkara reserves the right to approve, deny, suspend, restrict, or terminate participation at its sole discretion.

Eligibility requirements may change periodically without prior notice.

Members must maintain an active Bokkara account in good standing.

5. CLUBPOINTS REQUIREMENT

Assistance provided under ClubCoverage may require the redemption of available ClubPoints.

Members acknowledge and agree that:

• ClubPoints have no cash value.
• ClubPoints are not currency.
• ClubPoints are not transferable unless authorized by Bokkara.
• ClubPoints may expire according to applicable program rules.
• ClubPoints redemption values may be modified at any time.

Bokkara reserves the right to determine redemption values and assistance eligibility.

5A. ANNUAL CLUBPOINTS ALLOCATION

Eligible members may receive an annual allocation of ClubPoints as part of their membership benefits, subject to the terms of their selected membership plan.

The quantity of ClubPoints allocated annually may vary based on membership tier, promotional offers, account status, and other factors determined by Bokkara.

Annual ClubPoints allocations are non-transferable, have no cash value, and may only be used in accordance with applicable ClubPoints and ClubCoverage program rules.

Bokkara reserves the right to modify annual ClubPoints allocations, eligibility requirements, issuance schedules, and redemption values at any time.

5B. CLUBPOINTS EARNED THROUGH TRAVEL ACTIVITY

Members may earn additional ClubPoints through eligible travel activity.

ClubPoints may be awarded based on qualifying travel purchases, travel miles, completed travel bookings, partner travel programs, promotional campaigns, or other activities designated by Bokkara.

The conversion rate between travel miles and ClubPoints shall be determined solely by Bokkara and may be modified at any time without prior notice.

ClubPoints shall only be awarded upon successful verification of eligible travel activity.

Bokkara reserves the right to deny, reverse, adjust, withhold, or remove ClubPoints where travel activity cannot be verified or where fraudulent, misleading, or inaccurate information has been submitted.

ClubPoints earned through travel activity are subject to all applicable program rules, limitations, and expiration policies.

6. FLIGHT PROTECTION

ClubCoverage may provide assistance relating to certain qualifying flight disruptions.

Examples may include:

• Flight cancellations
• Missed connecting flights
• Significant travel delays
• Operational disruptions
• Schedule changes

Assistance may include:

• Travel support
• Alternative flight coordination
• Rebooking assistance
• ClubPoints redemption opportunities

All assistance remains subject to:

• Availability
• Vendor policies
• Available ClubPoints
• Verification requirements

No flight assistance is guaranteed.

7. STAY PROTECTION

ClubCoverage may provide assistance for qualifying accommodation-related disruptions.

Examples may include:

• Accommodation cancellations
• Hotel operational disruptions
• Property closures
• Reservation issues

When available, Bokkara may assist in securing alternative accommodations.

Members may utilize available ClubPoints toward eligible accommodation costs.

If available ClubPoints do not fully cover the cost of replacement accommodations, the member may be responsible for paying any remaining balance.

Alternative accommodations are subject to availability and pricing at the time assistance is requested.

8. BAGGAGE PROTECTION

ClubCoverage may provide assistance relating to qualifying baggage disruptions.

Examples include:

• Delayed baggage
• Lost baggage
• Mishandled baggage

Where approved, members may be permitted to redeem up to ten percent (10%) of their available ClubPoints toward emergency essential purchases.

Emergency essentials may include:

• Clothing
• Toiletries
• Personal care items
• Necessary travel accessories

All baggage assistance requests require documentation from the responsible carrier or vendor.

Bokkara reserves the right to approve, deny, limit, or modify assistance requests.

9. REBOOKING ASSISTANCE

Bokkara may provide rebooking assistance when an eligible disruption occurs.

Rebooking assistance may include:

• Flight arrangements
• Accommodation arrangements
• Travel coordination
• Alternative travel options

Members authorize Bokkara to deduct applicable ClubPoints used for approved assistance.

Where ClubPoints are insufficient, members may be required to pay the remaining balance before travel arrangements are confirmed.

Bokkara does not guarantee:

• Same airline
• Same flight schedule
• Same hotel
• Same room category
• Same travel experience

10. VENDOR RESPONSIBILITY

Members acknowledge that travel services are provided by independent vendors.

Such vendors include:

• Airlines
• Hotels
• Transportation providers
• Travel suppliers
• Accommodation providers

Bokkara is not responsible for:

• Flight delays
• Flight cancellations
• Lost baggage
• Vendor bankruptcy
• Service interruptions
• Accommodation issues
• Supplier misconduct

Bokkara acts solely as a travel assistance and coordination provider.

11. MEMBER RESPONSIBILITIES

Members agree to:

• Provide accurate information.
• Maintain valid travel documentation.
• Cooperate with verification requests.
• Submit supporting documents when requested.
• Notify Bokkara promptly regarding disruptions.

Failure to comply may result in denial of assistance.

12. REQUIRED DOCUMENTATION

Bokkara may require documentation including but not limited to:

• Boarding passes
• Flight itineraries
• Hotel confirmations
• Airline notices
• Vendor communications
• Baggage reports
• Receipts
• Government-issued identification

Submission of documentation does not guarantee assistance.

13. EXCLUSIONS

ClubCoverage generally does not apply to:

• Voluntary cancellations
• Change of mind
• Missed check-in deadlines
• Passport issues
• Visa issues
• Immigration denials
• Criminal activity
• Fraudulent conduct
• Intoxication-related incidents
• Government sanctions
• Known travel restrictions
• Self-inflicted losses
• Travel booked outside approved channels where applicable
• Events excluded by Bokkara policies

Additional exclusions may apply.

14. FRAUD PREVENTION

Bokkara maintains a zero-tolerance policy toward fraud.

Members found to have:

• Submitted false information
• Misrepresented circumstances
• Altered documents
• Attempted improper ClubPoints redemption

may face:

• Immediate account suspension
• Membership termination
• Forfeiture of ClubPoints
• Recovery actions
• Legal proceedings

15. ASSISTANCE LIMITATIONS

All assistance is subject to:

• Available ClubPoints
• Vendor availability
• Booking availability
• Verification requirements
• Program limitations
• Operational capacity

Bokkara does not guarantee:

• Assistance approval
• Rebooking success
• Specific outcomes
• Immediate service
• Availability of vendors

Assistance remains discretionary.

16. MODIFICATION OF BENEFITS

Bokkara reserves the right to:

• Modify ClubCoverage benefits
• Adjust redemption values
• Modify eligibility criteria
• Add or remove benefits
• Suspend benefits
• Terminate the program

17. LIMITATION OF LIABILITY

To the maximum extent permitted by law, Bokkara shall not be liable for:

• Indirect damages
• Consequential damages
• Lost profits
• Emotional distress
• Missed opportunities
• Vendor failures
• Travel disruptions
• Service interruptions
• Third-party actions

The total liability of Bokkara under any circumstance shall not exceed the value of assistance actually provided.

18. FORCE MAJEURE

Bokkara shall not be responsible for delays, failures, or inability to provide assistance resulting from events beyond its reasonable control, including:

• Natural disasters
• Hurricanes
• Earthquakes
• Pandemics
• Epidemics
• Government actions
• Civil unrest
• War
• Terrorism
• Transportation system failures

19. PRIVACY

Participation in ClubCoverage constitutes consent to the collection, storage, processing, and sharing of information necessary for:

• Identity verification
• Travel coordination
• Assistance administration
• Fraud prevention
• Vendor communication

All information is subject to Bokkara's Privacy Policy.

20. TERMINATION

Bokkara reserves the right to suspend or terminate any member's participation in ClubCoverage at any time.

Termination may occur with or without notice where permitted by law.

21. GOVERNING LAW

This Agreement shall be governed by and interpreted in accordance with the laws applicable to Bokkara Management LLC without regard to conflict-of-law principles.

22. ENTIRE AGREEMENT

This Agreement constitutes the entire understanding between Bokkara and the member regarding ClubCoverage.

Any prior statements, representations, advertisements, or communications shall not modify this Agreement unless expressly incorporated in writing.

23. ACKNOWLEDGMENT

By participating in ClubCoverage, the member acknowledges and agrees that:

• ClubCoverage is not insurance.
• Assistance is discretionary.
• Assistance is subject to available ClubPoints.
• Benefits are not guaranteed.
• Vendor availability may impact assistance.
• Bokkara does not guarantee reimbursement of losses.
• Bokkara may modify or terminate ClubCoverage at any time.

The member voluntarily accepts all terms, conditions, limitations, exclusions, and disclaimers contained herein.

24. ACCEPTANCE OF TERMS

By registering for, enrolling in, purchasing, activating, accessing, or participating in any Bokkara membership program, ClubPoints program, ClubCoverage program, ClubMiles program, ClubSharing program, ClubAvantage program, ClubBusiness program, or any related Bokkara service, the member acknowledges and agrees that they have read, understood, and accepted these Terms, Conditions, Disclaimers, Policies, and all future amendments.

Acceptance of these Terms occurs automatically upon membership enrollment and does not require a separate signature, written acknowledgment, or additional acceptance action.

Continued participation in any Bokkara program constitutes ongoing acceptance of all applicable terms, conditions, policies, limitations, exclusions, and future modifications.

Members who do not agree to these Terms must discontinue participation in all Bokkara programs and services immediately.