Yes and we are all at risk. To mitigate risk, we have a relationship with Trust My Travel (TMT) - a Global Payment Processor and Protection Provider. TMT provides consumer protection for every Membership payment. Your payments to INCRUISES are covered (your out-of-pocket amount, not the Reward Points value) if, in the unlikely event INCRUISES were to stop doing business. Please click here for more information on your financial protection:TMT Financial ProtectionTo further mitigate risk, we have Seller of Travel Registrations in every USA state required and are bonded when required to do so. Please see our Due Diligence Document to learn more about the company. Bottom line: we are built to last and are here for the long haul, and like anything in life, there are no guarantees.