VOA Worldwide Terms & Conditions

Effective Date: September 25, 2026

Last Updated: September 25, 2026

IMPORTANT NOTICE: PLEASE READ CAREFULLY. These Terms contain an automatic renewal provision (Section 6), a no-refund policy (Section 7), and a binding individual arbitration agreement with a class action waiver (Section 19) that affects how disputes are resolved. You may opt out of arbitration as described in Section 19.8.

1. Introduction and Acceptance

1.1 Agreement. These Terms and Conditions (“Terms”) are a legally binding agreement between you and VOA Worldwide, LLC, a Nevada limited liability company (“VOA Worldwide,” “VOA,” “we,” “us,” or “our”), located at 4 Oro Valley Drive, Henderson, Nevada 89052, USA.

1.2 Scope. These Terms govern your access to and use of www.voaworldwide.com (the “Site”), the VOA member dashboard and portals, and your participation in any VOA membership program.

1.3 Acceptance. You accept these Terms when you (a) check a box or click a button indicating acceptance, (b) complete enrollment or pay any membership fee, or (c) access or use the Services. If you do not agree, do not enroll in or use the Services.

1.4 Tier Terms and Other Policies. Each Membership Level has its own enrollment terms describing its specific benefits, allotments, and pricing (“Tier Terms”). The Tier Terms and our Privacy Policy at https://voaworldwide.com/privacy-policy/ are incorporated into these Terms. If the Tier Terms conflict with these Terms on a benefit-specific matter, the Tier Terms control for that matter only.

2. Definitions

• “Annual Privilege Payment” means the recurring membership fee for your Membership Level.
• “Anniversary Renewal Date” means the annual anniversary of your enrollment date, or another renewal date stated in your Tier Terms.
• “Member” means the Primary Member and, where permitted, the Secondary Member.
• “Primary Member” means the individual who enrolled and is responsible for all payments on the account.
• “Secondary Member” means one additional adult designated on the account by the Primary Member, where the Membership Level permits.
• “Membership Level” means the membership tier you purchased, as described in your Tier Terms, including a Lifetime Membership.
• “Services” means travel portfolio management, concierge assistance, access to member rates, travel privileges, and related support offered by VOA.
• “Travel Privileges” means certificates, credits, amenities, and similar benefits issued to Members under the Tier Terms.
• “Travel Suppliers” means independent third parties that provide travel products or services, including hotels, resorts, cruise lines, airlines, tour and activity operators, car rental companies, and licensed sellers of travel.
• “Platform” means the Site, member dashboard, portals, applications, and communication systems VOA operates.

3. Eligibility and Accounts

3.1 Eligibility. You must be at least 18 years old and able to enter a binding contract to enroll. The Services are for personal and family leisure travel, not for commercial resale.

3.2 Accurate Information. You agree to provide accurate, current, and complete enrollment, contact, and billing information and to keep it updated.

3.3 Account Security. You are responsible for keeping your login credentials confidential and for all activity under your account. Notify us promptly at co*******@**********de.com if you suspect unauthorized access.

3.4 Secondary Member. The Primary Member is responsible for the Secondary Member’s compliance with these Terms. Each membership permits one Primary Member and, where the Membership Level allows, one Secondary Member.

4. Scope of Services

VOA provides independent travel portfolio management and concierge services. The benefits available to you depend on your Membership Level.

4.1 Member Travel Access. Subject to availability and your Membership Level, Members may access member-only rates and assistance for:

• Cruises: ocean and river cruises with global cruise lines.
• Resorts: timeshare-affiliated properties and resort accommodations worldwide, including studio through three-bedroom units.
• Hotels: preferred member rates across major brands and boutique properties.
• Tours and Activities: guided and independent tours, excursions, and attractions in over 160 countries.
• Transportation and Car Rentals: member rates secured through VOA’s licensed Travel Suppliers.

4.2 Portfolio Management. VOA helps Members get more value from their travel assets, including:

• Rewards Optimization: guidance on hotel, airline, and credit card points, miles, and elite status.
• Vacation Ownership Utilization: guidance on using, exchanging, or maximizing owned intervals or points.
• Maintenance Fee Value: education on getting travel value from maintenance fees already paid.
• Comprehensive Travel Planning: combining rewards, ownership, and benefits into one strategy.
• Concierge Support: help with bookings, upgrades, and travel research.

4.3 Educational Nature of Guidance. Portfolio guidance is general travel and rewards education. It is not financial, investment, tax, legal, or credit advice. You remain solely responsible for decisions about credit cards, loyalty programs, and ownership interests.

4.4 No Timeshare Sales or Resale. VOA does not sell, rent, broker, or resell timeshares or vacation ownership interests. Any rental assistance only helps Members access their own ownership provider’s program, subject to that provider’s rules and fees.

4.5 Changes to Services. VOA may add, modify, or discontinue individual benefits, Travel Suppliers, or features. If a change materially reduces the core benefits of your Membership Level during a paid term, we will notify you under Section 20.

5. Membership Levels, Term, and Travel Privileges

5.1 Membership Levels. VOA’s Membership Levels are Passport™, Signature, Prestige, Legacy, and Lifetime. Pricing, benefits, and allotments for each are stated in the applicable Tier Terms.

5.2 Annual Memberships. Signature, Prestige, and Legacy memberships run for successive 12-month terms and renew automatically as described in Section 6.

5.3 Passport™ Membership. Passport™ is a 24-month membership. It does not automatically renew into a new 24-month term or convert to another Membership Level. It expires at the end of 24 months unless you re-enroll or upgrade. If you chose annual billing, the second installment is governed by Section 6.4.

5.4 Lifetime Membership. A Lifetime Membership is purchased with a one-time payment. It does not automatically renew. Lifetime Members pay no Annual Privilege Payment or other recurring membership fee. It lasts for the lifetime of the Primary Member or until VOA stops operating its membership program, whichever comes first. It is personal to the Primary Member and may not be sold, transferred, or inherited without VOA’s prior written consent. Benefits and Travel Privileges are those stated in your enrollment documents. Lifetime Members are subject to these Terms, including Section 11.

5.5 Travel Privileges. Unless your Tier Terms state otherwise:

• Travel Privileges are issued once per 12-month membership period, whether dues are paid annually or prepaid.
• Unused Travel Privileges expire at the end of the period and do not roll over. They cannot be drawn from a future period.
• Travel Privileges have no cash value, cannot be sold, transferred, or exchanged for cash, and are forfeited on cancellation or termination.
• Each Travel Privilege is subject to its own redemption rules, minimum spend, blackout dates, and Travel Supplier availability, as stated in the Tier Terms.

5.6 Upgrades. You may upgrade your Membership Level at any time. Upgrade pricing and the effect on your renewal date will be disclosed before you confirm.

6. Automatic Renewal and Cancellation

6.1 Automatic Renewal. YOUR SIGNATURE, PRESTIGE, OR LEGACY MEMBERSHIP RENEWS AUTOMATICALLY FOR SUCCESSIVE 12-MONTH TERMS ON EACH ANNIVERSARY RENEWAL DATE, AND WE WILL CHARGE THE THEN-CURRENT ANNUAL PRIVILEGE PAYMENT FOR YOUR MEMBERSHIP LEVEL TO YOUR PAYMENT METHOD ON FILE, UNLESS YOU CANCEL AS DESCRIBED BELOW.

6.2 Cancellation Deadline and Method. To stop your next renewal, you must send written notice of cancellation at least 30 days before your Anniversary Renewal Date by email to ca****@**********de.com. Cancellation is by email only. Send it from the email address on your account so we can identify your membership.

We will confirm each cancellation in writing. Keep the confirmation for your records.

6.3 Renewal Reminder. We will send a renewal reminder to the email address on your account at least 15 and no more than 45 days before your Anniversary Renewal Date. It will state your renewal date, the amount to be charged, and how to cancel. Not receiving a reminder does not extend your cancellation deadline, except where applicable law provides otherwise.

6.4 Passport™ Annual Billing. If you pay for Passport™ in two annual installments, we will send a reminder 45 days before the second installment is charged. To avoid the second installment, you must cancel in writing to ca****@**********de.com at least 30 days before that charge date.

6.5 Late Cancellation. If we do not receive a valid cancellation within the deadline, your membership renews and the Annual Privilege Payment for that renewal term is due. A cancellation received after the deadline takes effect at the end of the renewed term. It does not cancel or reduce a payment already due.

6.6 Effect of Cancellation. After a timely cancellation, you keep access to the Services until the end of your current paid term. Unused Travel Privileges end with the term.

7. Refunds, Late Fees, and Collections

7.1 No Refunds. Because Members receive immediate access to the Services and Platform, all payments, including initial enrollment fees, Annual Privilege Payments, installments, Lifetime Membership fees, and upgrades, are non-refundable once processed. This includes partial terms and unused Travel Privileges.

7.2 Exceptions. We will refund verified duplicate charges and payment-processing errors, and any amount applicable law requires us to refund.

7.3 Late Fee. If an Annual Privilege Payment remains unpaid more than 30 days after it is due, VOA may assess a one-time late fee of $100, subject to applicable law.

7.4 Collections. If a payment remains unpaid more than 60 days after it is due and you did not validly cancel under Section 6.2, VOA may refer the account to a third-party collection agency. Before referral, we will send you written notice of the past-due balance and a reasonable opportunity to resolve it. You agree to pay reasonable collection costs to the extent permitted by law.

8. Payment Terms

8.1 Authorization. You authorize VOA to charge your payment method on file for all enrollment fees, Annual Privilege Payments, installments, upgrades, and applicable fees and taxes, including on each renewal, without further authorization.

8.2 Updated Payment Information. You agree to keep your payment method current. You authorize us to use updated card information provided by your card issuer or network.

8.3 Failed Payments. If a charge is declined, we may retry the charge and may suspend access to the Services until payment is received.

8.4 Currency and Taxes. All amounts are in U.S. Dollars (USD). You are responsible for applicable taxes, and any foreign transaction or currency fees charged by your card issuer.

8.5 Price Changes. VOA may change the Annual Privilege Payment for future terms. We will notify you at least 30 days before a new price takes effect, and you may cancel before the change applies to you.

8.6 Chargebacks. Please contact us at co*******@**********de.com before disputing a charge with your card issuer. If you initiate a chargeback for a charge authorized under these Terms, we may suspend your account while the dispute is resolved and may dispute the chargeback with supporting documentation.

9. Travel Bookings and Travel Suppliers

9.1 VOA as Intermediary. VOA is not a hotel, resort, cruise line, airline, or tour operator. Travel products are provided by independent Travel Suppliers. VOA acts only as an intermediary in arranging access to them.

9.2 Supplier Terms. Every booking is subject to the Travel Supplier’s own terms, including cancellation, change, refund, deposit, resort fee, and check-in policies. Those terms are separate from these Terms, and you agree to follow them.

9.3 Booking Payments. Payments for travel bookings are separate from your membership fees. Refunds for bookings depend solely on the Travel Supplier’s policies. Membership fees are never refunded because of a booking cancellation.

9.4 Rates and Availability. Member rates, savings, and availability are set by Travel Suppliers and change without notice. VOA does not guarantee any particular rate, savings amount, room type, or availability. Savings examples in VOA materials are illustrations, not promises.

9.5 Pricing Errors. If a rate is displayed or confirmed in error, VOA or the Travel Supplier may cancel the booking and refund amounts paid for it.

9.6 Travel Documents and Health Requirements. You are solely responsible for valid passports, visas, entry permits, vaccinations, and compliance with the laws of each destination.

9.7 Travel Insurance. VOA strongly recommends travel insurance for every trip. VOA Shield™ and similar benefits are limited member benefits under the Tier Terms, not insurance policies.

10. Member Responsibilities and Conduct

10.1 Personal Use. Membership benefits are for the personal and family use of Members only. You may not share, sell, rent, transfer, or allow others to use your membership, login, or Travel Privileges without VOA’s prior written consent.

10.2 Respectful Conduct. You agree to treat VOA employees, representatives, and Travel Suppliers with courtesy and respect. Calls and messages with VOA may be recorded for quality assurance and training, as permitted by law.

10.3 Prohibited Conduct. You may not:

• threaten, harass, or abuse any VOA employee, representative, or Travel Supplier;
• make false or defamatory public statements about VOA or its employees;
• provide false information or make fraudulent bookings or payment disputes;
• scrape, copy, or misuse Platform content or member rates, or resell rates to non-Members;
• interfere with the security or operation of the Platform.

10.4 Honest Reviews Welcome. Nothing in these Terms restricts your right to post truthful reviews or honest opinions about VOA, in any forum.

11. Suspension and Termination

11.1 By VOA. VOA may suspend or terminate your membership, with or without notice, if you materially breach these Terms, including Section 10, fail to pay amounts due, or engage in fraud or unauthorized use.

11.2 Effect of Termination. On termination for cause, your access to the Services and all unused Travel Privileges end immediately, and no refund is owed. Amounts already due remain payable.

11.3 Survival. Sections 7, 8, 13 through 19, and 21 survive any cancellation, expiration, or termination.

12. VOA’s Responsibilities

VOA will use commercially reasonable efforts to provide the Services in a timely and professional manner. VOA cannot guarantee availability, rates, or outcomes that depend on Travel Suppliers or other third parties.

13. Disclaimers

13.1 THE SERVICES AND PLATFORM ARE PROVIDED “AS IS” AND “AS AVAILABLE.” TO THE FULLEST EXTENT PERMITTED BY LAW, VOA DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

13.2 VOA IS NOT RESPONSIBLE FOR THE ACTS, ERRORS, OMISSIONS, REPRESENTATIONS, CANCELLATIONS, DELAYS, OR NEGLIGENCE OF ANY TRAVEL SUPPLIER, OR FOR ANY INJURY, DAMAGE, LOSS, OR EXPENSE ARISING FROM THEM.

13.3 VOA does not guarantee that the Platform will be uninterrupted, error-free, or free of harmful components.

14. Limitation of Liability

14.1 Exclusion of Damages. TO THE FULLEST EXTENT PERMITTED BY LAW, VOA AND ITS OWNERS, OFFICERS, EMPLOYEES, AND AGENTS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, LOST TRAVEL, OR LOSS OF ENJOYMENT, ARISING FROM THESE TERMS OR THE SERVICES.

14.2 Cap. VOA’S TOTAL LIABILITY FOR ALL CLAIMS ARISING FROM THESE TERMS OR THE SERVICES WILL NOT EXCEED THE MEMBERSHIP FEES YOU PAID TO VOA IN THE 12 MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM.

14.3 Exceptions. Some jurisdictions do not allow certain limitations. In those jurisdictions, these limits apply to the maximum extent permitted by law. Nothing in these Terms limits liability for fraud, gross negligence, or willful misconduct where such limits are prohibited.

15. Force Majeure

VOA is not liable for any failure or delay caused by events beyond its reasonable control, including natural disasters, severe weather, epidemics, war, terrorism, civil unrest, government action, labor disputes, Travel Supplier failures, or outages of utilities or networks. Membership fees are not refundable because of such events.

16. Indemnification

You agree to indemnify and hold harmless VOA and its owners, officers, employees, and agents from any claims, losses, and reasonable attorneys’ fees arising from (a) your breach of these Terms, (b) your misuse of the Services or Platform, or (c) your violation of any law or third-party right.

17. Intellectual Property

17.1 Ownership. The Platform and all VOA content, software, designs, and marks, including VOA®, VOA Worldwide®, the VOA Worldwide logo, and Live Better™, are owned by VOA or its licensors and protected by trademark, copyright, and other laws.

17.2 Limited License. VOA grants you a personal, revocable, non-transferable license to use the Platform for your own membership during your active term.

17.3 Restrictions. You may not copy, reproduce, distribute, modify, or create derivative works from VOA content or marks without VOA’s prior written consent.

18. Privacy and Communications

18.1 Privacy Policy. Our collection and use of personal information is described in our Privacy Policy at https://voaworldwide.com/privacy-policy/. In summary:

• Collected: name, address, phone, email, date of birth, travel preferences, and payment information.
• Used for: delivering Services, processing bookings, billing, and communicating with you.
• Shared: limited contact details with Travel Suppliers and service providers only as needed to deliver the Services. VOA does not sell member personal information.
• Payment Data: processed and stored in encrypted form through secure payment processors and never shared for marketing.
• Storage: stored in the United States and retained for as long as needed to provide the Services and meet legal, tax, and accounting obligations.
• Cookies: the Site uses cookies and analytics and advertising tools, such as Google Analytics and Meta Pixel. Details and choices are in the Privacy Policy.

18.2 Consent to Communications. By providing your contact information, you consent to receive calls, text messages (SMS), and emails from VOA and its representatives about your account, bookings, membership, renewals, and offers, including by automated means. Consent to marketing messages is not a condition of purchase.

18.3 Opting Out. Reply STOP to any text to stop texts, use the unsubscribe link in any marketing email, or email ca****@**********de.com. Message frequency varies, and message and data rates may apply. Opting out of marketing does not stop service messages about your account, bookings, billing, or renewals.

19. Dispute Resolution and Arbitration

19.1 Governing Law. These Terms are governed by the laws of the State of Nevada and applicable federal law, including the Federal Arbitration Act, without regard to conflict-of-law rules.

19.2 Informal Resolution First. Before starting arbitration, you and VOA agree to try to resolve any dispute informally. Send a written description of the dispute and the relief sought to Li********@**********de.com (or VOA will send one to your account email). If it is not resolved within 30 days, either party may begin arbitration.

19.3 Binding Arbitration. Except as stated in Section 19.5, any dispute arising from or relating to these Terms, the Services, or your membership will be resolved by binding individual arbitration administered by the American Arbitration Association (“AAA”) under its Consumer Arbitration Rules. The arbitrator decides all questions of arbitrability, except as stated in Section 19.4.

19.4 Class Action and Jury Waiver. YOU AND VOA WAIVE ANY RIGHT TO A JURY TRIAL AND AGREE THAT CLAIMS MAY BE BROUGHT ONLY IN AN INDIVIDUAL CAPACITY, NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY CLASS, COLLECTIVE, OR REPRESENTATIVE PROCEEDING. If this class waiver is found unenforceable for a claim, that claim must be decided by a court, not an arbitrator.

19.5 Exceptions. Either party may (a) bring an individual claim in small claims court, and (b) seek injunctive relief in court to protect intellectual property.

19.6 Location and Fees. Arbitration will take place in Clark County, Nevada, or by video or telephone if you prefer. Filing and arbitrator fees are allocated under the AAA Consumer Arbitration Rules.

19.7 Mass Filings. If 25 or more similar demands are filed by or with the help of the same counsel or coordinated parties, they may be administered in batches under the AAA’s mass arbitration procedures.

19.8 Right to Opt Out. You may opt out of this arbitration agreement by emailing Li********@**********de.com within 30 days after you first accept these Terms, stating your name, account email, and that you opt out of arbitration. Opting out does not affect any other part of these Terms.

19.9 Venue for Court Claims. Any claim not subject to arbitration will be brought exclusively in the state or federal courts located in Clark County, Nevada, and both parties consent to that jurisdiction.

20. Changes to These Terms

20.1 VOA may update these Terms from time to time. We will post the updated Terms on the Site with a new “Last Updated” date.

20.2 For material changes, we will email you from co*******@**********de.com at least 30 days before they take effect. If you do not agree, you may cancel before the effective date, and the prior Terms will apply through the end of your current paid term.

20.3 Continuing to use the Services after changes take effect means you accept them. Changes do not apply to disputes that arose before the changes were posted.

21. General Provisions

21.1 Entire Agreement. These Terms, the Tier Terms, and the Privacy Policy are the entire agreement between you and VOA about the Services and replace all prior versions.

21.2 Severability. If any provision is found unenforceable, it will be enforced to the maximum extent permitted and the rest of these Terms remain in effect.

21.3 No Waiver. VOA’s failure to enforce a provision is not a waiver of its right to do so later.

21.4 Assignment. You may not assign or transfer your membership or these Terms without VOA’s prior written consent. VOA may assign these Terms in connection with a merger, acquisition, or sale of assets.

21.5 Electronic Communications and Signatures. You agree that notices, disclosures, and agreements provided electronically satisfy any legal requirement that they be in writing, and that your electronic acceptance has the same effect as a handwritten signature.

21.6 Notices. VOA may send notices to the email address on your account. Notices to VOA must be sent to the applicable email address in Section 22.

21.7 Relationship. Nothing in these Terms creates a partnership, joint venture, agency, or fiduciary relationship between you and VOA.

21.8 Language and Headings. These Terms are written in English, which controls over any translation. Headings are for convenience only.

22. Contact Information

VOA Worldwide, LLC 4 Oro Valley Drive, Henderson, Nevada 89052, USA Phone: 888-752-0050 Website: www.voaworldwide.com

• • Member services and concierge: co*******@**********de.com
  • Cancellations and email unsubscribes: ca****@**********de.com
  • Questions about these Terms, disputes, and arbitration opt-outs: Li********@**********de.com