13.Members who do not have eligible activity as defined in a. - d. below in any 12 consecutive month period may be removed from the Program and are subject to forfeiture of all accumulated points. At the discretion of Hilton HHonors Worldwide, such Members may be permitted to remain in the Program and removed after five years of inactivity. To keep accumulated HHonors Points, the Member must take one of the following actions within a 12 consecutive month period: 1.stay at a hotel within the Hilton Worldwide portfolio pursuant to the terms herein;
2.earn HHonors Points through any third party source of HHonors Point accumulation, including a Hilton co-branded credit card, pursuant to its terms;
3.purchase HHonors Points; or,
4.donate points through The Hilton HHonors Giving Back Program.

14.Failure to take action (a), (b), (c) or (d) described above will result in the forfeiture of all accumulated points and, after five years of inactivity, to deactivation of the Member's account. Once the points have been forfeited, the Member may not retrieve any forfeited points but Member may begin to earn points again thereafter. Any Reward redeemed by the Member before the points are forfeited (such as a hotel reservation made or a car rental voucher obtained) is still valid. This applies to any year of enrollment, including without limitation, the first year of enrollment. Members who fail to pay mortgage related payments properly due and owed to Hilton Grand Vacations®, including but not limited to principal payments, interest payments, late fees, and service fees are subject to forfeiture of points equal to the amount of points accumulated in connection with Hilton Grand Vacations®. Further, Members who so fail to pay amounts due to Hilton Grand Vacations® are subject to forfeiture of any Elite tier status earned through Hilton Grand Vacations®.
15.Each Member is responsible for remaining knowledgeable as to the Program Terms and Conditions and as to the number of points in his or her account. Hilton may attempt, but is not required, to send correspondence to active Members to advise them of matters of interest, including notification of point forfeiture or Program changes. Neither Hilton HHonors Worldwide, L.L.C., nor third party companies participating as marketing partners in the Program ("Marketing Partners") will be liable for any failure to do so and will not be responsible for incorrect or inaccurate transcription of Member contact information, for problems related to any of the equipment or programming associated with or utilized by the Member, for any human error, for any interruption, deletion, omission, defect, or line failure of any telephone network or electronic transmission, for problems relating to computer equipment, software, inability to access any Web site or on-line service, for any other technical or non-technical error or malfunction, for lost, late, stolen, illegible, incomplete, garbled, misdirected, mutilated or postage due mail or other mail or e-mail for whatever reason.