The issue with the golf (I think - my husband took care of this aspect) is that they were now saying that rental fees for clubs, etc was not eligible and that there was a cap of $300 per room that you could use towards golf. Again, my hubby fought this rule change and they conceded. Regarding our photographer - we used La Luna. Both La Luna and Del Sol (same owner) have a written agreement from Palace Resorts saying they are an approved outside vendor (ie an exception to their rule). So the resort was aware we were using them, and we bought day passes. In the end, we never had an issue with getting charged for the videographer (vs using the credits), but this could be because we booked before March 1st (last year, in fact). If they had tried to charge us, we simply wouldn't have done it.