Reward Points are points our Members can use towards booking vacations on inCruises website. Reward Points accumulate and rollover month-after-month and they never expire. Reward Points are not a currency and have no cash value. Reward Points are not an investment. inGroup International is not a bank, depository or financial company of any type. Reward Points cannot be redeemed for cash under any circumstance. Reward Points can only be used to book travel on our website. For complete details please read our Membership Agreement