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Clarification on Rate Limits and API Usage - Pt 2

I seen in an other post inquiring about Rate Limits and API usage that silver and gold tiers include 500,000 “points”. What are "points" and how are they consumed in terms of requests to the API? Is there a way to track? I am new to the silver plan and believe I am facing rate limiting. Additionally are you able to define "personal use" in a meaningful quantifiable way? I may not be able to continue my subscription if I can’t figure out a way for this service to meet my needs.