Business Credit Card

 Business Rewards Credit Card Agreement and Disclosure Statement

This Agreement applies to the Mastercard® Credit Card and Credit Devices issued to You by Security Bank of Kansas City. Any Card or Credit Device issued to You by Us remains Our property and must be returned to Us or to anyone We designate, upon request. Retaining, signing, or using, or permitting others to use, the Card or Credit Device shall constitute the equivalent of signing this Agreement and such retaining, signing, or using means You agree to be bound by the terms of this Agreement. The Application You submitted for the Account is hereby incorporated into and made a part of this Agreement. This Agreement begins on the earlier of (i) the date You sign or otherwise submit an Application which is approved by Us or (ii) the first date You or someone authorized by You uses the Account in a transaction that We approve.

Definitions. In addition to other terms that may be defined in this Agreement, the following terms when used in this Agreement have the following definitions:

1. "Account" means the open-end revolving credit account established pursuant to Your Application and this Agreement to which charges are posted based on use of a Card, information from a Card, Credit Device, or any other device or procedure by which the Account may be accessed in the future.
2. "Agreement" means this Credit Card Agreement plus the Disclosure Statement which provides information on the periodic rate, the Annual Percentage Rate (APR), the Interest Charge and balance on which it is determined, any Other Charges, cash advance fees, balance transfer fees, and any grace period applicable to the Account. The Disclosure Statement is incorporated herein by reference as if repeated verbatim herein. If any provision of this Credit Card Agreement is inconsistent with any provision of the Disclosure Statement, the provision of the Disclosure Statement controls.
3. "Application" means the application for credit You completed and returned to Security Bank of Kansas City to request that We extend credit to You under the Account.
4. "Authorized User" means any person You permit to use the Account or who has apparent authority to use the Account.
5. “Balance Transfer” means the transfer of a balance from an account You hold with another creditor which is transferred to Your Account with Us.
6. “Business Day” for this Agreement includes Monday to Friday, excluding federal holidays.
7. "Card" means the Mastercard Credit Card(s) issued to You by Us, and any future credit card(s) issued to You in connection with the Account.
8. “Cash Advance” means the amount requested by You and advanced to You by any method approved by Us according to the terms of this Agreement in cash or cash equivalent items (including, but not limited to, money orders, traveler's checks, lottery tickets, casino chips, vouchers redeemable for cash, or racetrack wagers).
9. “Cash Advance Limit” means fifty percent (50%) of the Credit Limit for business use accounts.
10. “Credit Device” means any device such as a virtual account number, account number, blank check, payee-designated check, "convenience" or "special" check, blank draft or other order, or any other device or item which may, at Our discretion and pursuant to procedures We may adopt from time to time, be issued by Us to You to access the Account.
11. "Credit Limit" means the total dollar amount of the Account which We approved and which You may borrow against according to the terms of this Agreement.
12. "Index" means the highest Prime Rate published in the Wall Street Journal. Changes in the Index will generally take effect beginning with the first billing cycle in the month following a change in the Index. Increases or decreases in the Index will cause the APR and periodic rate to fluctuate, resulting in increased or decreased Interest Charges on the Account.
13. “Other Charges” means the charges listed in the section of this Agreement with such caption.
14. "We," "Us," and "Our" mean Security Bank of Kansas City, 701 Minnesota Avenue, Kansas City, KS 66117-0297.
15. "You" and "Your" refer to each person who signed an Application for the Account, each person who signs or uses the Card or a Credit Device, and any Authorized User.

Purchases, Cash Advances and Balance Transfers; Cash Advance Limit. You request and authorize Us to extend credit to You under the Account as follows: (1) goods and services may be purchased or leased by use of the Card from any seller or vendor who honors the Card ("Purchases"); (2) Cash Advances may be obtained up to, but not in excess of, the Cash Advance Limit (a) when You complete a written request on a form furnished to You by Us or any other financial institution We approve; (b) using the Card at any automatic teller machine which accepts the Card; or (c) using a Credit Device to pay for Purchases or, when allowed, to receive cash. (3) Balance Transfers may be obtained when You complete a request. We are not responsible for any person or entity refusing to accept the Card or any Credit Device for Purchases or Cash Advances. We currently limit Cash Advances to no more than three (3) per Business Day, and We reserve the right to change this limit at any time, with or without advance notice to You.

Promise to Pay. You promise to pay Us for all Purchases made by You and for all Cash Advances and Balance Transfers received by You except as limited in this Agreement regarding Your liability for unauthorized use of a Card or Credit Device. You shall be jointly and severally liable for all amounts due from You under this Agreement for Purchases, Cash Advances, Balance Transfers, Interest Charges, and Other Charges.

Refunds and Adjustments. Any refund, adjustment, or credit allowed by any merchant shall not be by cash but rather by a credit to the Account appearing on Your monthly billing statement.

Monthly Billing Statements. Each month We will send You a monthly billing statement reflecting all Purchases, Cash Advances, Balance Transfers, Interest Charges and Other Charges pursuant to this Agreement for the prior monthly period. Such statements shall be deemed correct and accepted by You unless You notify Us to the contrary in writing within 60 calendar days of Our mailing such statement to You.

Payments on the Account. Your payment under the Account must be made on or before the "Payment Due Date" reflected on Your monthly billing statement. Your payment must be either the full amount billed or, at Your option, an installment equal to at least the required "Minimum Payment Due" stated on the billing statement. The minimum payment will equal the "New Balance" shown on Your statement if that amount is $50.00 or less. If the New Balance exceeds $50.00, the minimum payment will equal the greater of three percent (3.00%) of the New Balance or $50.00, plus the entire portion of the New Balance in excess of Your Credit Limit, plus any amount past due. The minimum payment will round to the nearest dollar. Payments must be made in U.S. dollars drawn on a U.S. bank. Transactions in foreign currencies will be converted to U.S. dollars at the exchange rate used at the time of the conversion. The conversion may occur after the transaction date and the conversion rate may differ from the rate of exchange in effect at the time of the transaction. You agree to pay the converted amount to Us in U.S. dollars, plus any charge(s) for the conversion or processing that may be imposed.

All payments on the Account must be made at the address shown on Your monthly billing statement and are considered to have been made on the date received at that address. If payment is made at any location other than the designated address, credit for such payment may be delayed for up to five (5) days. As allowed by law, We may accept payments marked "payment in full" (or words of similar intent) without losing any of Our rights to collect the full balance due under the Account and this Agreement.

We will apply Your payments to the unpaid balance of the Account in the order and manner We decide, in Our sole discretion. We currently apply payments first to any fees due on the Account (other than the Annual Fee), followed by interest due and the annual fee (if assessed), followed by purchases, Cash Advances, and Balance Transfers due from prior statements, followed by purchases, Cash Advances, and Balance Transfers in the current billing cycle.

Credit Limit; Cash Advance Limit. You agree not to use or permit others to use the Card, information from the Card, or a Credit Device if such use would cause either (i) the balance of the Account to exceed the Credit Limit We set from time to time or (ii) the balance of the outstanding Cash Advances to exceed the Cash Advance Limit applicable to such Credit Limit. The initial Credit Limit for the Account is shown on the material accompanying the Card before the Account is used and will also be disclosed on each monthly billing statement for the Account. We may, at Our option, extend credit under the Account which exceeds the Credit Limit or the Cash Advance Limit. If We do, You agree to immediately pay the excess which We advanced to You over either of the applicable limits. We are not obligated to allow any Purchase, Cash Advance or Balance Transfer which will exceed Your Credit Limit or Cash Advance Limit, and if We do, We are not obligated to do so at a later time. You agree We may change Your Credit Limit (which will automatically also change Your Cash Advance Limit) or cancel the Account if You exceed the Credit Limit or the Cash Advance Limit.

Transactions Made in Foreign Currencies. If a transaction is made in a foreign currency, We and Mastercard will convert the transaction into a U.S. dollar amount. Mastercard will act in accordance with their operating regulations or conversion procedures in effect at the time the transaction is processed. Currently, their regulations and procedures provide that the currency conversion rate they use, to determine the transaction amount in U.S. dollar, is either (a) a wholesale market rate, or (b) a government-mandated rate in effect one day prior to the processing date. Mastercard increases the conversion rate by one percent (1.00%) and keeps this increase as compensation for performing the currency conversion service. We will charge You one percent (1.00%) of the U.S. dollar amount of the transaction converted from a foreign currency. The currency conversion rate calculated in this manner that is in effect on the processing date may differ from the rate in effect on the transaction date or posting date.

Other Charges. You agree We may assess, in addition to the Interest Charge, the Other Charges below which are earned when assessed and are not subject to refund or rebate. The following fees may be added, as applicable, to the Account and treated as a Purchase as indicated on the Insert:

1. Annual Fee. While We do not currently assess an Annual Fee, We reserve the right to assess a non-refundable annual membership fee charged to the Account during the month following issuance or re-issuance of the Card and will be posted annually on the anniversary date of the opening of the Account. The annual membership fee is not refundable even if the Account is closed for any reason by either You or Us, and the fee is a condition of maintaining the Account whether or not You use the Account by making Purchases or receiving Cash Advances.
2. Late Fee. If the minimum required payment is not received by the Payment Due Date for that billing cycle, We may assess a $35.00 late charge on the Account.
3. Returned Payment Fee. We will charge You $35.00 for each return by a bank or other depository institution of a dishonored check, negotiable order of withdrawal, share draft, ACH payment, or any other payment issued by You to Us in connection with the Account. This fee will be in addition to all other Interest Charges and Other Charges We may collect from You and is not subject to refund or rebate.
4. International Transactions Fee. One percent (1.00%) of the U.S. dollar amount of the transaction converted from a foreign currency or for transactions initiated by a company located outside the United States.
5. Supplemental Convenience Requests. If You request supplemental copies of billing statements, You will be charged $3.00 for each statement. We will not assess You this fee if You request a billing statement for a billing error/inquiry that You may assert against Us under applicable law. If You make any other Supplemental Convenience Requests, You agree to pay Our reasonable charges, in effect at that time, for each such request.

Rewards. You may redeem rewards, as available at the time of redemption. You may refer to https://secbkkancty.rewards.razr-jackhenry.com/1000000004 for current terms & conditions, program rules and rewards offered. Rewards are earned in relation to Your qualified purchases. We rely on the Merchant Category Code (MCC) to determine if a transaction is a purchase. We exclude MCCs which indicate the transaction was primarily for money transfers, cash disbursements (including quasi cash transactions), payments to securities brokers or dealers, payments to us and others, or gambling related payments. The MCC is assigned by the merchant and is not controlled by Us. The current reward grant rate is one (1) point for every full dollar spend. We may change the reward grant rate at any time without advance notice to You.

Termination; Default. We may reduce the Credit Limit or terminate Your ability to receive further credit under this Agreement at any time without notice. You may terminate Your ability to receive further credit under this Agreement by giving Us notice of termination and returning to Us all Cards and Credit Devices. Termination by You will be effective on the date We receive written notice from You along with the Cards and Credit Devices (unless they are lost or stolen, in which case You agree to sign an affidavit to that effect and stating that no credit received after the date of loss or theft was authorized by You). Upon receipt of Your written notice to terminate the Agreement, We may suspend any Card or Device, pending a return of such Card or Device. If We authorize any transactions using Your Card or Device, You agree to repay any amounts We authorized or posted to Your Account. You will be in default under this Agreement if any of the following events occur: (1) You fail to make the required payment when due; (2) You fail to perform or abide by any of Your agreements or obligations under this Agreement or any other loan agreement You have with Us; (3) You become insolvent (meaning Your liabilities exceed Your assets or You are unable to pay Your debts as they become due); (4) any action is taken by or against You under any bankruptcy or insolvency laws; (5) any attachment or garnishment proceedings are initiated against You; (6) You die or are declared incompetent; (7) We, in good faith, believe the prospect of Your payment or performance under this Agreement is impaired; or (8) You fail or refuse to provide current financial information to Us when We request it. On any termination or default, regardless of any unused credit You may have under the Account, all amounts You owe under the Account and this Agreement will become immediately due and payable in full. You must also return to Us all Cards and Credit Devices issued to You in connection with the Account. Termination or default shall not release You from any obligation You have incurred under this Agreement. After termination or default, Your obligations and Our rights under this Agreement shall remain effective until the entire outstanding balance of the Account is paid in full.

Attorneys’ Fees and Costs. To the extent permitted by law, You agree to pay Our attorneys’ fees and other costs We incur if You are in default and We hire an attorney who is not Our salaried employee to collect amounts You owe under the Account and this Agreement. Amounts You owe for attorneys' fees will be added to the outstanding balance of the Account as a Purchase whether or not Your right to receive credit has terminated or You are in default.

Amendment to this Agreement. This Agreement, and the terms of the Account, may be amended by Us if We send You written notice of the amendment prior to its effective date as required by law. As of the amendment's effective date, the change in terms will apply to the entire outstanding balance of the Account as well as Purchases made and Cash Advances and Balance Transfers received after the effective date of the amendment. If You do not agree to the amendment, Your only option is termination under this Agreement.

Venue and Jurisdiction of Lawsuits. The parties agree, consent and contract that the venue and jurisdiction of any lawsuit brought by Security Bank of Kansas City to enforce this Agreement or collect any sum or sums of money due and owing under this Agreement shall be in Wyandotte County, Kansas or any county contiguous to Wyandotte County, Kansas. The parties further agree that any action or cross action brought by a cardholder against Security Bank of Kansas City regarding this contractual Agreement shall be brought in Wyandotte County, Kansas or any county contiguous to Wyandotte County, Kansas.

Governing Law; Severability. You agree that Your obligations under this Agreement represented by charges to the Account are contracted for and become binding when the sales drafts, credit card slips, or other Credit Devices are accepted by Us, and We cause the holders of the same to be paid. You agree that these events occur in Kansas. This Agreement is subject to federal law and, to the extent not preempted by federal law, the laws of the State of Kansas (except to the extent that this Agreement can and does vary from such rules or laws), without regard to conflict of laws principals. If any provision of this Agreement conflicts with the law, You agree the provision will be viewed as if it was amended to comply with the law. If that is not possible, then only the provision that conflicts with the law will be deleted. The remaining provisions of this Agreement will remain effective.

Credit Reports. You agree that We may obtain consumer credit reports from one or more credit reporting agencies or others in connection with opening or maintaining the Account, increasing the Credit Limit under the Account, or making any extension of credit to You under the Account. We may also ask You for additional information in connection with the Account and request credit reports to verify Your current credit standing. You agree that We may release information to others, such as credit reporting agencies, regarding the status and history of the Account. However, We are not obligated to release any such information unless required by law.

We may report information about Your Account to credit bureaus. Late payments, missed payments, or other defaults on Your Account may be reflected in Your credit report. If You believe that We have furnished any inaccurate information relating to Your Account to any consumer-reporting agency, You may notify Us by phone at 913-281-3165 or mail at Security Bank of Kansas City, PO Box 171297, Kansas City, KS 66117-0297. To help Us respond to Your notification, include Your Account number, Social Security Number, the name of the consumer-reporting agency reflecting the inaccurate information, and an explanation of why You believe the information is inaccurate. You understand that You may also contact the appropriate consumer-reporting agency directly.

Notices. Notices given under this Agreement or relating to the Account will be effective only if given in writing to Us at Security Bank of Kansas City, PO Box 171297, Kansas City, KS 66117-0297, and to You at Your last address shown on Our records. You agree to notify Us immediately if Your address changes from that shown on the Application You submitted in connection with opening the Account.

Liability for Unauthorized Use. If any Card is lost or stolen or otherwise may be used without Your permission (express or implied), You must immediately notify Us orally or in writing at the following phone number or address: 913-281-3165 or at Security Bank of Kansas City, PO Box 171297, Kansas City, KS 66117-0297. If unauthorized use of a Card occurs before You notify Us of the loss, theft, or unauthorized use, You may be liable up to a maximum amount of $50. If unauthorized use of a Credit Device occurs, You may be liable for all of the unauthorized use.

YOUR BILLING RIGHTS - KEEP THIS NOTICE FOR FUTURE USE

This notice tells You about Your rights and Our responsibilities under the Fair Credit Billing Act.

What to do if You find a mistake on Your statement. If You think there is an error on Your statement, write to Us at Security Bank of Kansas City, PO Box 171297, Kansas City, KS 66117-0297 as soon as possible. In Your letter, give Us the following information:

1. Account information: Your name and Account number.
2. Dollar amount: The dollar amount of the suspected error.
3. Description of problem: If You think there is an error on Your bill, describe what You believe is wrong and why You believe it is a mistake.

You must contact Us within 60 calendar days after the error appeared on Your statement and at least 3 Business Days before an automated payment is scheduled, if You want to stop payment on the amount You think is wrong. You must notify Us of any potential errors in writing. You may call Us, but if You do, We are not required to investigate any potential errors and You may have to pay the amount in question.

Disclosure Statement

The Credit Card Agreement and this Disclosure Statement constitute the Agreement for the Account.

¹ We add 10.00% to the Prime Rate to determine the APR for Purchases and Cash Advances. The Account will never have an APR over 24.74%.

 How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).”  See Your Account Agreement for more details.

Billing Rights: Information on Your rights to dispute transactions and how to exercise those rights is provided in the Account Agreement that will be provided to You before You begin using Your new Card.

Prime Rate: The APR will vary based on changes in the Index, the highest Prime Rate published in the Wall Street Journal. Changes in the Index will take effect beginning with the first billing cycle in the month following a change in the Index. Increases or decreases in the Index will cause the APR and periodic rate to fluctuate, resulting in increased or decreased Interest Charges on the Account. As of October 23, 2023, the Index was 8.50%.

How Interest Charges are Determined & When They are Imposed

Interest Charges on the Account will be figured on each monthly billing statement by multiplying the daily periodic rate by the average daily balance, then multiplying that total by the number of days in the billing cycle. The daily periodic rate used to compute Interest Charges is the APR disclosed above divided by the number of days in the year (365/366). The daily balances are calculated by adding debits and subtracting credits for each day in the billing cycle, then adding all resulting daily balances together and dividing the total by the number of days in the billing cycle. If You obtain Cash Advances, Balance Transfers or elect to pay for Purchases in installments, each periodic statement will include an Interest Charge. There is no minimum Interest Charge. In connection with Cash Advances and Balance Transfers, the first monthly billing statement after You receive a Cash Advance or Balance Transfer will include an Interest Charge from the date of those transactions. There is no period within which You may repay Cash Advances or Balance Transfers in order to avoid an Interest Charge.

Interest Charges will not be imposed on purchases posted to Your Account in certain circumstances. For example, assuming that billing cycles begin on the first day and end on the last day of each calendar month, and the month of June is the “current” billing cycle: if (1) the purchase balance at the end of the preceding May billing cycle is paid in full by the payment due date (in June) for the May billing cycle and (2) the purchase balance at the end of the June billing cycle is paid in full by its payment due date (in July), no Interest Charges will be imposed on purchases posted to the Account during June. However, if the purchase balance of the May billing cycle is not paid in full by its payment due date in June, Interest Charges will be imposed on purchases posted to the Account in June from the date of such posting. If the June purchase balance is not paid in full by its payment due date in July, Interest Charges will be imposed from the first day of the July billing cycle on, but only on, the portion of June purchases not paid by the payment due date in July.

Any portion of the New Balance appearing on a monthly billing statement (including Cash Advances, Balance Transfers, Purchases, Interest Charge and Other Charges) which is not paid in full and credited to the Account by the “Payment Due Date” shown on that statement becomes part of the “Previous Balance” on Your next monthly billing statement.

All payments received by 5:00 p.m. CT during Our normal Business Day at the address indicated on the monthly billing statement will be credited to the Account as of the date of receipt of payment.

Method of Computing Balance Subject to Interest Charge

The Balance Subject to an Interest Charge is the sum of the “Average Daily Balance” for Purchases and the “Average Daily Balance” for Cash Advances and Balance Transfers, computed as follows:

The Average Daily Balance for Purchases is computed by adding each day’s ending balance for the current billing cycle (less any Interest Charge included therein and excluding any Cash Advances and Balance Transfers made during the current billing cycle) and dividing the total of such balances by the number of days in the billing cycle. Such total will include Purchases and debit adjustments made during the current billing cycle only if You have not paid in full the New Balance figure from the previous statement as indicated by a “Payment” figure equal to or greater than the “Previous Balance” figure under the Summary of Transactions on the statement for the current billing cycle.

The Average Daily Balance for Cash Advances and Balance Transfers is computed by adding each day’s outstanding balance of Cash Advances and Balance Transfers charged to the Account during the current billing cycle and dividing the total of such balances by the number of days in the billing cycle.

If the Cash Advance and Balance Transfer portion of the New Balance and the Interest Charge applicable thereto are not paid in full and credited to the Account by the “Payment Due Date” shown on the first monthly billing statement to which the Cash Advance and Balance Transfer is billed, any balance remaining becomes a part of the “Previous Balance” on Cardholder’s next periodic statement and is computed as part of the Average Daily Balance for Purchases.

Armed Forces Members and Dependents

Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed a military annual percentage rate of 36 percent (36.00%). This rate must include, as applicable to the credit transaction or Account: The costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account). To hear this same disclosure and for a general description of Your payment obligations for this credit card Account, please call Us at 913-281-3165.

360Control User Agreement

This User Agreement ("Agreement") governs your use of Security Bank of Kansas City’s (“we,” “us,” or “our”) credit card online banking website ("360Control,” “Service,” or “Services”). The Services may be utilized by you and authorized users you designate (“you,” “your,” or “yours”) to access certain credit card account information, obtain electronic monthly account statements, make payments, and monitor transactions.

By accessing the Services you agree to be bound by the terms and conditions below.

Access to the Service

You must acquire and maintain a computer or other electronic device (“Device,” or “Devices”) to access the Services. You are responsible for all costs of Device acquisition and maintenance.

You may use the Services to access your credit card account(s) to perform authorized transactions seven days a week, 24 hours a day, whenever the Services are available. There are times where Services may not be available due to system maintenance, failures, or other unanticipated events. Account balance and activity information are generally updated daily. There are many events outside our control which affect when your balance is update. For example, if a merchant delays presentation, your balance information on our system may differ from your records. Updates may also be impacted by system maintenance, failures, or other unanticipated events.

To access the Services, you must have a username, a password, and at least one Device. You must also comply with any other security procedures and policies we may establish from time to time.

Account Information

Termination

• Your credit card is closed
• Your credit card is lost or stolen
• Fraudulent activity on your credit card account
• Any attempt to misuse the Services
• We terminate the Service in whole or in part, either temporarily or permanently
• You violate this Agreement

If you wish to cancel your access to the Services, please contact our Customer Support Center at (913) 281-3165.

Change in Terms

This Agreement may change at any time with or without prior notice. You agree to review and abide by the terms and conditions, as posted on our website.

Ownership

Any trademarks, logos, service marks and other similar items (the "Mark" or "Marks") are the property of respective owners, which may be us and/or third-party affiliates and others. Nothing contained on the Service should be construed as granting you any license or right to use in any way any Mark without the written permission of the Mark’s owner.

Third-Party Providers

We may use nonaffiliated third parties acting on our behalf to process your requests or instructions. Such third-party processors are required to adhere to strict standards of security and privacy protection.

SBKC Business Rewards Terms & Conditions

Merchandise Terms & Conditions (if applicable to your program)

Return Policies and Process

Only incorrect, defective or damaged merchandise can be returned or exchanged. All merchandise returns and exchanges must be initiated by contacting an awards representative at 855-854-5493.

If you’ve received an incorrect or defective item you can choose to receive the correct functioning merchandise or a full refund of your points including shipping and handling. Restocking fees in addition to shipping and handling fees may be applied on items returned that are not damaged or not the wrong item. This would be deducted from the amount of points refunded to your account for a return.

There are some exceptions when returns are not allowed:

• Hazardous items that are gas-powered or contain flammable liquids.
• Computer laptops and desktops more than 14 days after delivery.
• Any product missing the serial number or UPC
• Gift cards/certificates that were not damaged or defective when received.
• Gourmet gift baskets.

Also, items that are opened, used or shipped more than 30 days ago may not be eligible for an exchange or refund.

Return Process

1. Contact an awards representative at 855-854-5493 to initiate your request. Note: you will need to provide either your order confirmation email or shipping document which contains pertinent information such as order number, item number and item name. Providing all requested information will expedite processing.
2. Within three (3) business days you will receive confirmation whether the item is eligible for return. If eligible, you will be provided with return shipping labels and any additional instructions.
3. Return merchandise
   1. Return labels must be used for all exchange and refunds within the time frame designated (usually 10 calendar days); once the label expires the item is no longer eligible for return.
   2. Each return mailing label is coded for a specific shipment and specific items; please do not include items from other orders, or other items and/or shipment from the same order, in the same box, or you will not receive the correct refund.
   3. For special items that require a pick up by UPS, a “call-tag” will be issued. UPS will attempt a pickup at the address on the order during the next 3 business days. No specific time can be provided for the pick up as this is dependent upon the UPS route in the area.
   4. If a specialty carrier is required for large items, the carrier will call the phone number on the order to arrange a pickup date and time.
   5. Return labels, call tags and carrier pickups are valid only for returns shipped within the U.S.
4. You may expect to receive points within 4 weeks after returned merchandise is received bythe rewards center.
   1. Eligible points will be posted back to the participant’s account.
5. Replacement items are typically shipped within 4 weeks of the merchandise being received by the rewards center.
   1. If a replacement item is unavailable, a refund of points will be posted instead.

Return Guidelines

Some product lines have special restrictions or return policies. Review the table below to understand return policies for the various product lines.

Please Note:

• If you do not use the program returns center and choose to work directly with the merchant, the program returns center will not be able to assist you.
• Merchant direct returns only allow exchanges or store credit; return for points is not available.

Backordered Items

The program website is a "live" catalog which means items come in and out of stock. When an item is shown on the online catalog, it is in fact available, but by the time the order is processed with the supplier, it may be out of stock at that exact time. There is no way to confirm in advance if or when an item will become out of stock as it is a live catalog. Items which are no longer available (NLA) or on back ordered for more than thirty (30) days may be cancelled due to unavailability; a full refund of points will be processed for the item(s) cancelled.

Pricing

Merchandise prices include shipping and handling. Shipping and handling prices are determined at the time of selection and vary based on the ship to address and the items in your purchase. Due to the real-time nature and availability of items in this catalog, the latest, real-time pricing and availability will be updated when item is added to cart.

Travel Terms and Conditions (if applicable to your program)

Welcome to the Travel Loyalty Redemption Program (“Program”) website (“Site”). Your use of this Site or your redemption of loyalty points and/or purchase of travel components constitutes your agreement to the following terms and conditions (“Terms”). If you do not agree with any of the Terms, you must not redeem points for services provided by the Program. In order to use loyalty points, you must be eighteen (18) years of age or older, have enrolled in a participating Program and have a valid email address. Membership in the Program is void if prohibited by law in any state or country where you have your residence. These Terms are subject to change at any time and such changes will take effect when the Terms are updated. Your continued use of the Program after the posting of any such changes is your agreement to the revised Terms.

General Information

1. Travel management services are provided by Aspire Loyalty Travel Solutions, LLC. and its affiliates (“Aspire”), a service provider to the Program. Aspire acts as a service bureau that provides value added service to retail travel agents and consumers.
2. In these Terms, "Travel Suppliers" means the airlines, hotels, car rental agencies, cruise lines, railroads, tour operators and other service providers whose products and services are made available through the Program. The Program Terms incorporate by reference the terms of each Travel Supplier’s terms and conditions, as applicable. You are responsible for checking the applicable Travel Supplier site(s) for terms and conditions which may be applicable to you.
3. All travel services purchased using points must be purchased through the program and not with the travel supplier directly. Travel services are provided solely by the travel suppliers. Aspire and the program are not liable for the failure of the travel suppliers to perform the services offered by the travel suppliers. Travel suppliers are independent contractors and not agents or employees of the program or Aspire. Except as expressly stated herein, the program and/or Aspire assumes no responsibility for actions relating to travel services beyond the control of the program and/or Aspire or their respective employees. Unless prohibited by law, the program and Aspire shall not be liable for any acts, failure to perform, errors, omissions, representations, warranties, breaches, negligence, gross negligence or willful misconduct of any such travel suppliers, including, but not limited to, any personal injuries, death, property damage or loss, inconvenience, loss of enjoyment, mental distress or other similar matter, delayed departure, missed connection, substitution of services or accommodations, termination of service, or changes in fares and rates, and/or cancellation or double booking of reservations by the travel supplier. The program and Aspire do not guarantee or insure the performance of services by the travel suppliers, the financial position of the travel suppliers or reimbursement to you from any loss experienced as a result of an act or omission of the travel suppliers.
4. In no event shall the program and/or Aspire and/or their affiliates be liable for any direct, indirect, punitive, incidental, special, or consequential damages arising out of, or in connection with, the use of any information, products, and services obtained from a travel supplier even if reservations are provided through this site, a call center, or otherwise, whether based on contract, tort, strict liability, or otherwise, even if we have been advised of the possibility of damages. Because some states/jurisdictions do not allow the exclusion or limitation of liability for consequential or incidental damages, the above limitation may not apply to you.
5. In those situations in which a Travel Supplier defaults prior to providing services, you may pursue any recourse against the Travel Supplier for refund, which may be permitted by law or statute.
6. Travel reservations are subject to the rules of the applicable Travel Supplier on your itinerary. A reservation is not complete until confirmed/ticketed. The passenger ticket(s) when issued, or electronic reservation shall constitute a contract between the Travel Supplier and the ticketed party. Some reservations cannot be cancelled or changed, other reservations may incur Travel Supplier fees to cancel or change.
7. You acknowledge the reward portion of your transaction will be paid for with loyalty points from the Program.
8. Charges in excess of the loyalty points from the Program will be charged to your payment card. If applicable, any fees or redemption associated charges from the Travel Supplier will appear on your monthly card statement.
9. Travel Supplier, the Program and/or Aspire each have the right to cancel the booking in the event of non-payment or payment dispute.
10. All refund requests may be initiated by calling the Program Travel Rewards Call Center (“Call Center”) at the following number: 855-854-5493 and you must follow any instructions given to you to provide backup documentations or to return negotiable documents (i.e. paper airline tickets, redeemable certificates or vouchers, etc.) issued which must be returned prior to processing any refund. All refund claims must be made within 30 days after the scheduled departure date.
11. Because many different Travel Suppliers may be used for each aspect of travel (i.e., for air, hotel, car rentals, cruise, activities and vacations), IF YOU WISH TO MAKE CANCELLATIONS OR CHANGES TO YOUR TRAVEL, YOU MUST MAKE SUCH REQUESTS FOR EACH ASPECT OF YOUR TRAVEL. For example, if you change your air travel dates, that request will not result in any changes to your hotel dates. Neither the Program nor Aspire are responsible for any credit or voucher issued by any Travel Supplier.
12. If a payment card was used in conjunction or solely for a travel redemption and/or transaction, and a refund is processed to the payment card, the timing of when the funds will be available on your payment card account is dependent upon the individual financial institution which issued your payment card, and may take up to 1 to 2 billing cycles or up to 90 days.
13. All offers, prices, and conditions of sale may be subject to, change without notice, advance purchase, eligibility, seating, or other limitations, travel days, dates, minimum or maximum stays, holidays, seasons, blackout dates, stopovers, and/or wait listing restrictions, reservation validation limitations of up to one year (if any extension permitted, penalties/restrictions may apply); and/or other conditions/restrictions.

General Travel Information

1. At all times throughout your trip, you will need to present the required government issued photo ID for security checks at airports, hotels, car rental, cruise, activity and vacation locations and may be required for attractions and other products as deemed necessary by the relevant Travel Suppliers and must match the name on the reservation. In addition to the required government issued ID, proof of citizenship (Passport) is required for international travel (for countries outside of the United States) and may require a visa and satisfaction of health requirements. Passports for international travel must be valid for a period of at least six (6) months from the return date. Air carriers cannot board any passenger who fails to provide the required documents. Please note that it is your sole responsibility to ensure that you meet the passport, visa, and/or health requirements of the countries you wish to visit, including any layover or stopovers and return entry into the United States. Many countries require that your passport be valid for a minimum period from the date of arrival into that country. For any questions regarding what the applicable minimum period is and any other conditions or passport/visa requirements for travel, you should contact the corresponding local consulate of the countries to which you are travelling. Visa policies vary by country http://www.travel.state.gov/content/visas/en.html should be obtained prior to departure, and are the sole responsibility of the traveler.
2. The Program and Aspire do not have any special knowledge regarding (i) the suitability for disabled persons for any travel itinerary; or (ii) unsafe conditions, health hazards, weather hazards, or climate extremes at locations to which you may travel.
3. For information concerning possible dangers at international destinations, we recommend contacting the Travel Advisory Section of the U.S. State Department at 202-647-5225 or http://travel.state.gov.
4. For medical information, we recommend contacting the Centers for Disease Control and Prevention at 800-232-4636. For foreign health requirements and dangers, go to http://www.cdc.gov/travel.
5. Minors under the age of 18 who are traveling alone or with only one parent may be required to have additional documentation. Please contact your airline or the nearest Consulate of the country to which you are traveling for additional information.
6. If your itinerary involves an ultimate destination or stop in a country other than the country of departure, the provisions of a treaty known as the Warsaw Convention or the Montreal Convention, may be applicable to your entire trip, including any portion entirely within the country of origin or destination. These Conventions govern and may limit the liability of certain air carriers for death of or personal injury to passengers and/or loss of or damage to baggage.
7. Special requests made to a Travel Supplier are requests only and cannot be guaranteed. Fees, taxes and charges may apply depending upon the service request.
8. Certain rate types do not permit credit for airline, hotel or car loyalty programs.
9. Government imposed departure or entry taxes may not be included in ticket fees. You should be prepared to pay these taxes in cash at the location.

Airline Travel

1. Airline tickets are NON-REFUNDABLE and NON-CHANGEABLE unless permitted by the terms of the fare and are subject to airline rules, penalties and fare difference. Airline policies are subject to change at any time without notice. Airline tickets must be booked at least forty-eight (48) hours prior to departure.
2. Any fees associated with the applicable redemption or ticket purchase will be the responsibility of the traveler at the time of booking. These fees include, but are not limited to, ticketing fees, airline fuel surcharges, and security fees. Government entry/exit fees may apply, depending on your destination. These are your sole responsibility and may be additional to your booking charges.
3. In addition, the loyalty points price listed for airline tickets does not include any applicable baggage fees, meals, beverages or services fees. Restrictions may apply.
4. Changes to and cancellations of airline tickets can be made only if the Travel Supplier and specific air ticket rules permit the changes or cancellations. Travel Suppliers may charge a ticket service fee for all exchanges, modifications, or cancellations, in addition to airline penalties and fare difference.
5. Unused tickets contain no value if not canceled prior to departure. To inquire about refundability of a fare you are considering, please call the appropriate airline.
6. All reservations must be made in the EXACT name of the person traveling. Tickets are non-transferable. Name changes are not permitted. You will be responsible for any charges issued by the Travel Supplier due to incorrect passenger information entered by you or provided to the Call Center at the time of making the reservation.
7. The Transportation Security Administration (TSA) requires you to provide your full name, date of birth, and gender for the purpose of watch list screening. Failure to provide your full name, date of birth, and gender may result in denial of transport or denial of authority to enter the boarding area. TSA may share information you provide with law enforcement or intelligence agencies or others under its published system of records notice. For more on TSA privacy policies, or to review the system of records notice and the privacy impact assessment, please see the TSA Web site at www.tsa.gov.
8. It is recommended that passengers check in with the airline a minimum of 2 hours prior to scheduled departure time for domestic flight itineraries and 3 hours prior to scheduled departure time for international itineraries due to federal security requirements. Please note that airline schedules change frequently. Please reconfirm all flight dates and times with the airline 24 hours prior to departure for domestic flights and at least 72 hours for international flights. Advanced passenger information (API) is also required by the airline at least 72 hours prior to departure per U.S. Customs and Border Control Agency for all international flights traveling into, out of and over U.S. territories. Information needed can include but is not limited to nationality, country of residence, passport/visa number, expiration date, country of issue and destination address. Failure to provide this information may result in delayed/denied boarding or cancellation of flights. Any costs incurred due to failure to provide this information will be at the passenger’s expense. To learn more about API please see cbp.gov/apis.
9. Upgrades are not permitted on certain itineraries. Please check with the carrier directly.
10. Please review your itinerary, as code-share flights may exist. If a code-share flight exists in your itinerary, passengers must check in with the operating airline on day of departure.
11. All tickets will be issued as e-tickets, unless e-tickets are not available due to airline restrictions. If an e-ticket is unavailable, the Call Center will mail a paper ticket to you at no charge. However, if an e-ticket is available and you request a paper ticket, you may be charged a service fee and shipping/handling charges. All paper tickets will be shipped within 48 hours to the address you provide. If your paper ticket(s) is lost, stolen, or destroyed, contact the Call Center immediately for details on how to process your claim. You may need to purchase a new ticket to travel while you are waiting for any permitted refund or credit. Additionally, you remain responsible for payment due for the lost, stolen, or destroyed ticket(s) unless a refund or credit is issued by the carrier.
12. Airline tickets for minors under the age of 17 traveling alone cannot be redeemed or purchased in the Program as each airline has their own rules for unaccompanied minors. These tickets must be purchased directly with the airline.
13. We reserve the right to correct errors in any advertised price and, if applicable, give you an option to either cancel the reservation or allow the Call Center to collect an amount equal to any increase in price from your provided credit or debit card, prior to your departure.
14. The Program Terms incorporate by reference the terms of each airline’s contract of carriage. Passengers may inspect the full text of the contract of carriage at each airline's airport or city ticket offices. The incorporated terms of the contract of carriage may include, but are not limited to: (1) Limits on the airline's liability for personal injury or death of passengers, and for loss, damage, or delay of goods and baggage, including fragile or perishable goods; (2) Claim restrictions, including time periods within which passengers must file a claim or bring an action against the airline for its acts or omissions or those of its agents; (3) Rights of the airline to change terms of the contract; (4) Rules about reconfirmation of reservations, check-in times, and refusal to carry; (5) Rights of the airline and limitations concerning delay or failure to perform service, including schedule changes, substitution of alternate airline or aircraft, and rerouting.
15. Please note that your seats, meals, frequent flyer and other special requests are requests only. There is no guarantee that you will be assigned the seat(s) you have requested. There is also no guarantee that your meal(s), frequent flyer and other special requests will be honored by the airline. It is therefore recommended you contact your airline directly to confirm these requests prior to your scheduled departure date.
16. Airline flights may be overbooked, and there is a slight chance that a seat will not be available on a flight for which a person has a confirmed reservation. If the flight is overbooked, no one will be denied a seat until airline personnel first ask for volunteers willing to give up their reservation in exchange for a payment of the airline’s choosing. If there are not enough volunteers, the airline will deny boarding to other persons in accordance with its particular boarding priority. With few exceptions, persons denied boarding involuntarily are entitled to compensation. The complete rules for the payment of compensation and each airline's boarding priorities are available at all airport ticket counters and boarding locations. Some airlines do not apply these consumer protections to travel from some foreign countries, although other consumer protections may be available. Check with your Travel Supplier.
17. For all flights departing from the European Union and all flights to the European Union if on an European operating carrier, if you are denied boarding or your flight is canceled or delayed for at least two hours, ask at the check-in counter or boarding gate for a document stating your rights, particularly with regard to compensation and assistance. For further information on your air passenger rights for these flights, see http://ec.europa.eu/transport/themes/passengers/air/.
18. Failure to use any flight segment may result in automatic cancellation of all continuing and return reservations. You must advise your Travel Supplier if your travel plans change en route.
19. Federal law forbids the carriage of hazardous materials aboard aircraft in your luggage or on your person. A violation can result in five years' imprisonment and penalties of $250,000 or more (49 U.S.C. 5124). Hazardous materials include explosives, compressed gases, flammable liquids and solids, oxidizers, poisons, corrosives and radioactive materials. Examples: Paints, lighter fluid, fireworks, tear gases, oxygen bottles, and radio-pharmaceuticals. There are special exceptions for small quantities (up to 70 ounces total) of medicinal and toilet articles carried in your luggage and certain smoking materials carried on your person. For further information contact the Travel Supplier directly.
20. Please go to http://www.dot.gov/office-policy/aviation-policy/aircraft-disinsectionrequirements to learn about the use of insecticides in certain flights.
21. A reservation is subject to cancellation by the Travel Supplier if the passenger is not available for boarding at the loading gate at least 15 minutes prior to scheduled departure for flights between U.S. points or up to 30 minutes for all other travel. Be sure to check with the airline as these times vary by airline.
22. Failure to occupy reserved space may result in the Travel Supplier canceling, continuing, connecting, or returning space reserved by the passenger.
23. The travel supplier reserves the right to refuse carriage to any person who has acquired a ticket in violation of applicable law or carrier's tariffs, rules or regulations.
24. Air reservations can be booked up to 330 days in advance. Your return flight must be no more than 328 days from the date of departure.
25. Some airlines may require a birth certificate for infants under the age of two traveling without charge.

Canada Electronic Transic Authorization (ETA)

As of March 15, 2016, visa-exempt foreign nationals who fly to or transit through Canada are expected to have an Electronic Travel Authorization (ETA). Exceptions include U.S. Citizens and travelers with a valid Canadian visa. Please visit www.canadaetavisa.com to obtain your electronic travel authorization. This is required for your travel to or through Canada. Contact the consult of the country for additional questions on documentation that will need to be provided.

Baggage

1. Airline baggage policies vary by airlines and charges may apply for checked baggage. You are responsible for such charges. Please check with the individual airline should you have questions regarding baggage charges, size limitations, or restrictions. Click on the link for “baggage fee information” shown with each flight result.
2. You are also advised if you have excess baggage, you will have to pay any excess baggage fee assessed by each airline. These fees are to be paid directly to the airline upon using such service.
3. When there are two or more airlines involved for connecting flights then you may have to reclaim your bags at the connecting airport and check-in again to continue your journey. Some airlines charge an extra fee each time bags are checked-in with that airline. Additional fees may apply and must be paid directly to the Travel Supplier.
4. Liability for loss, delay, or damage to baggage is limited unless a higher value is declared in advance and additional charges are paid. Excess valuation may be declared on certain types of articles. Some Travel Suppliers assume no liability for fragile, valuable or perishable articles. Further information may be obtained from the Travel Supplier.
5. The Program and Aspire will not be responsible for lost, stolen, damaged, or destroyed baggage or contents of baggage.

Hotels

1. Hotel rooms are PREPAID AND ARE NON-REFUNDABLE AND NON-CHANGEABLE unless permitted by the terms of the room/rate description. Hotel rooms must be booked at least twenty-four (24) hours prior to arrival. Hotel cancellation policies are displayed on the Program for each room type. Due to various hotel rules, date restrictions over high demand periods, and other special circumstances, hotel cancellation terms are subject to change at any time prior to purchase. For more information on individual room types and amenities based on room type selections, please contact the hotel Travel Supplier directly.
2. No shows are non-refundable and will result in a total forfeiture of payment and points without credit due.
3. You must contact the Call Center for all cancellation or modification requests. Cancellations or modifications handled by the hotel directly may result in no refund. Hotels can only be canceled in full, and not just a portion of the reservation. If you desire to shorten your length of stay, you will need to cancel the entire reservation and rebook a new reservation.
4. In the event of an involuntary cancellation due to weather, war, terrorism, epidemic outbreak, natural disaster, acts of civil unrest or other acts of God, cancellation fees may be waived at the discretion of the hotel.
5. Policies for children vary by hotel. Child benefits may be extended should a hotel offer them.
6. Any charges for incidentals that you incur while traveling are not included in your reservation rate and must be paid directly to the hotel. These include, but are not limited to, resort fees, hotel energy surcharges, parking fees, room service, telephone fees, internet usage fees, in-room movies, mini-bar charges, gratuities, baby sitting and other incidentals. Please check with the hotel for additional information on incidental charges.
7. Special requests, such as bed type, smoking preferences or room amenities made to hotel Travel Suppliers are on a request only basis and cannot be guaranteed. Fees and charges may apply, depending on the service request.
8. At check-in, you must furnish a valid government-issued photo ID and a credit card for incidentals.
9. Minimum age for booking a hotel is 18 years of age at time of stay, but some hotels have different age requirements for booking.
10. Reservations do not include services not specified in the reservation confirmation.
11. Travel Suppliers will attempt to notify guests of hotel renovation or refurbishment as reasonably soon as Travel Suppliers are notified by the hotel; however, the Program and Aspire are not liable if the hotel has failed to notify you in advance.
12. Due to hotel Travel Supplier policies applicable to certain preferred rates, your name may not be provided to the hotel Travel Supplier until 24 hours prior to your arrival.
13. Reservations are restricted to a maximum of 21 days. If you need stay for more than 21 days, you will need to make another reservation.
14. Reservations are restricted to a maximum of 330 days in advance.
15. You may book up to three hotel rooms per reservation if they are the same room type. For additional rooms, please contact the Call Center directly.

Car Rentals

1. You must contact the Call Center for all cancellation or modification requests and are subject to the applicable Travel Supplier’s policies. Change or cancellation fees may apply.
2. Car rentals must be booked at least twenty-four (24) hours prior to rental. Cancellations or modifications handled by the rental car agency directly may result in no refund. Car rentals can only be canceled in full, and not just a portion of the reservation. If desiring to shorten or extend your length of rental, you will need to cancel the existing reservation and book a new reservation.
3. A valid driver’s license and credit card is required at the time of pick-up of the vehicle. The driver’s license and credit card must be in the name of the individual that reserved the vehicle for his/her use. Debit cards may not be accepted by a car rental company.
4. Advance purchase rental rates in the United States usually include unlimited mileage, and most taxes and fees although some local taxes/fees may be collected at the counter by the car rental agency. Car rental rates outside of the United States may not include unlimited mileage, taxes and fees and these will be determined by the car rental agency and must be paid directly to the car rental agency.
5. Charges for optional services such as insurance waivers, fuel, additional or underage drivers, and special equipment charges, are not included in your rental and must be paid directly to the car rental agency.
6. Extra days, extra hours, upgrades to higher car classes, and optional services (if applicable) are the responsibility of the renter.
7. The Program, Aspire and the Travel Suppliers do not guarantee a specific make, model or color of vehicle no matter what vehicle is reserved.
8. Geographic and cross border restrictions may apply. One way rentals may not be permitted by all Travel Suppliers.
9. No shows are non-refundable and will result in a total forfeiture of payment and points, without credit due.
10. Cancellation fees, rental terms, and any additional fees are subject to change without notice and may vary by location.
11. Rental rates are based on 24 hour periods and may be subject to additional fees depending on time of return, including but not limited to hourly rental charges which will be billed directly to you by the car rental company.
12. Personal accident insurance, liability insurance and loss damage waiver are not included in your rental, but may be available for an additional charge, and must be paid directly to the rental car Travel Supplier.
13. For domestic rentals, renters must be 25 years of age and have a valid driver’s license, major credit card and good driving record. Rentals outside of the US may require an international driver’s license or compliance with other local requirements.
14. Car rental redemptions may not be available for all locations and destinations.
15. Special requests made to car rental Travel Supplier are on a request only basis and cannot be guaranteed.
16. Car rental Travel Suppliers reserve the right to deny rental for any reason, including, due to past driving record.
17. Reservations are restricted to a maximum of 20 consecutive days.
18. Reservations are restricted to a maximum 330 days in advance.
19. Rental rates are not combinable with any tour or group rate, coupon, or promotion.
20. It is your responsibility to review the specific car rental agreement.

Activities

1. All activities are completely NON-REFUNDABLE once booked unless canceled by the activity Travel Supplier. Activities must be booked at least twenty-four (24) hours prior to activity commencement.
2. Activity vouchers (when provided) should be printed and provided to the activity Travel Supplier when used.
3. No shows are non-refundable and will result in a total forfeiture of payment and points, without credit due.
4. Activity Travel Supplier reserves the right to change, cancel, or modify the date, length, or inclusions of activity booked without notice. You should reconfirm the activity booked at least 72 hours prior to the activity date.
5. Advance bookings are restricted to a maximum of 180 days.
6. Some activities may require fuel surcharges and other fees depending on the activity selected. These fees are payable directly to the Travel Supplier at the time of check-in.
7. Some activities may have age, physical capabilities or other restrictions.
8. Certain activities may be weather dependent. You should not assume that weather conditions will result in cancellation of a booked activity. Always contact the activity Travel Supplier with any questions regarding weather conditions.
9. Pick up locations for some activities may be subject to limitations.
10. Information on fuel surcharges and other fees that are associated with an activity can be found in the activity detail section for the specific activity.
11. Prices do not include gratuities.
12. Surcharges and other fees required by the Travel Supplier are subject to change.

Cruises

1. Rates quoted are per person/double occupancy unless specified otherwise. Cruises must be booked at least seven (7) days prior to cruise departure. Upgrades must be requested at time of booking. Pre-payment of tips is not a service offered at this time.
2. The total price for all passengers, including all government taxes and fees, will be displayed on the checkout page.
3. The passenger’s ticket may not be assigned, sold or otherwise transferred by the passenger or any other person. Among other things, this means that the passenger cannot sell or transfer the ticket to someone else, and the cruise line Travel Supplier shall not be liable to the passenger or any other person in possession of a ticket for honoring or refunding such ticket when presented by such other person.
4. Cruise line Travel Supplier cancellation policies vary, based on the type of cruise, length of cruise and time of year. Please refer to the individual cruise line Travel Supplier website for additional information, frequently asked questions (FAQs) and full terms and conditions and cancellation policies.
5. A valid passport (with appropriate expiration date, visa, and other requirements) is required at the time of disembarkation for each passenger. It is the responsibility of the passenger to ensure you have the proper identification, passport, visa and all other valid documentation available. Please check with your embassy or consulate for updated information.
6. It is recommended that you always travel with a valid passport. However, U.S. citizens who are taking a closed-loop cruise itinerary departing from the U.S. (i.e. the ship must leave from and return to the same U.S. port), may be permitted to board with a valid government issued photo ID and a certified legal copy of a U.S. birth certificate. See the applicable cruise line Travel Supplier for details.
7. It is the passenger’s responsibility to have proper travel documentation. Travelers without proper documentation will be denied boarding by the cruise line Travel Supplier.
8. If you cancel your reservation after a specific date, you may be subject to cancellation charges. The cancellation time period and any associated charges are dependent upon the cruise line Travel Supplier.
9. The cruise line Travel Supplier reserves the right to impose a supplemental charge relating to unanticipated occurrences including, but not limited to, increases in the price of fuel. Any such supplement charges may apply, at the cruise line’s sole discretion, to both existing and new bookings. This varies based upon the cruise line Travel Supplier. You will be responsible for paying this supplemental charge directly to the cruise line Travel Supplier.
10. Rules and restrictions apply for promotional rates. Promotional rates may require specific documentation be provided in order to qualify for the promotional rate. Please review the requirements and provide all documentation required within the specified time to avoid cancellation of your booking or additional penalties and forfeiture of your payment and points, without credit due.
11. Some cruises have a minimum age requirement. Please review age requirements for the selected cruise. Anyone traveling that does not meet the minimum age requirements will be denied boarding and will forfeit payment and points, without credit due.
12. Military promotions may be available to members of the United States Military and Canadian Department of National Defense. Please contact the applicable cruise line for Military Terms & Conditions for eligibility and documentation requirements and the timeline for submitting the required documentation.
13. Reservations are restricted to one cabin per redemption. If you require more than one cabin, you will need to make another redemption.
14. Reservations are restricted to a maximum 24 months in advance. Your cruise return date must be within the 24 month period.
15. Stateroom images and features are samples only. Actual furniture, fixtures, colors, configurations, and window/porthole views may vary.
16. Cruise itineraries, cabin categories, and policies are subject to change without notice. Please verify Policies, Cabin Categories, Descriptions, Ports, Dates, and Times with the cruise line Travel Supplier directly on ALL bookings before the sailing.

Vacations

1. Vacations must be booked by contacting the Call Center directly. Vacations are not available via the Site.
2. Vacation packages are designed based on the passenger’s request. Vacation packages may include (but are not limited to) air, accommodations, rail, transfers, car rentals, or activities.
3. All prices quoted are not guaranteed until payment has been applied, and the booking confirmed.
4. Change and cancellation policies may vary based on the Travel Supplier’s terms and conditions. Change or cancellation penalties may apply.
5. Certain resorts or hotels may have a minimum age requirement. If applicable, the Call Center will disclose this requirement to you at the time of booking.
6. Prices do not include gratuities.
7. Surcharges and other fees required by the Travel Supplier are subject to change.

Disclaimers and Limitation of Liability

The Program and Aspire act only as an agent for the passenger in regards to booking travel, whether by air, automobile, ship, or any other conveyance, and assumes no liability for injury, damage, loss, accident, delay or irregularity which may be caused due to a defect in any vehicle, acts of God, war, riots, or by any company or person involved in conveying the passenger or in carrying out arrangements of the tour. The Program and Aspire do not accept any responsibility for losses or additional expenses due to delay or changes in schedules or other causes, such as strikes, weather or anything outside the control of the Program and/or Aspire. All such losses will be the responsibility of the passenger. The Program and Aspire reserve the right to make minor adjustments in the passenger’s travel itinerary and to cancel any trip prior to departure. In the event of trip cancellation, a full refund will constitute a full settlement of all liability. The issuance of vouchers or tickets shall be deemed to be your consent to the above terms. The ticket(s), when issued, shall constitute the sole contract between the passenger and the Travel Supplier, and the Program and Aspire shall have no liability for any actions or omissions of the Travel Supplier. All rates published in any venue are based on exchange rates and tariffs and are subject to change. All taxes, gratuities and porterage charges are subject to deletions, additions or changes without notice. These items are not under the control of the Program and/or Aspire since changes in government regulations and labor agreements cannot always be anticipated. In addition, the Program and/or Aspire are not responsible for (i) any changes initiated by the passenger after departure; (ii) any errors and/or omissions in the advertising of any travel components or activities; and/or (iii) any loss or damage caused by the acts or omissions of any third party in connection with the services provided hereunder.

The program, Aspire and their affiliates do not guarantee the accuracy of, and disclaim liability for inaccuracies relating to, the information and description provided for by the travel suppliers (including, without limitation, photographs, logos/icons, lists of hotel amenities, general product descriptions, hotel ratings etc.).

The availability to you of any travel products or services offered by the program does not constitute any endorsement or recommendation of such products or services by the program, Aspire or their affiliates. All travel products and services are provided "as is" without warranty of any kind. The program, Aspire and/or their affiliates disclaim all warranties and conditions with regard to this information, products, and services, including all implied warranties and conditions of merchantability, fitness for a particular purpose, title, and noninfringement.

Customer Release and Indemnification

You hereby release, and agree to defend and indemnify, the Program, Aspire and our affiliates, and/or suppliers of the foregoing, and any of the officers, directors, employees and agents of the foregoing from and against any claims, causes of action, demands, recoveries, losses, damages, fines, penalties or other costs or expenses of any kind or nature including, but not limited to, reasonable legal and accounting fees, brought by:

(A) you or on your behalf in excess of the liability described above; or 
(B) by third parties as a result of:

1. your breach of these Terms;
2. your violation of any law or the rights of a third party; or
3. your use of this Site.

Acceptable Use

This Site is intended for personal, noncommercial use. The content and information on this Site (including, without limitation, price and availability of travel services), as well as the infrastructure used to provide such content and information, is proprietary to the Program, Aspire and/or our Travel Suppliers and other third party providers. Accordingly, as a condition of using this Site, you agree not to use this Site or its contents or information for any commercial or non-personal purpose (direct or indirect) or for any purpose that is unlawful or prohibited by these Terms. While you may make limited copies of your travel itinerary (and related documents) for travel or services purchased through this Site or the Call Center, you agree not to modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell or re-sell any information, software, products, or services obtained from this Site or the Call Center. In addition, whether or not you have a commercial purpose, you agree not to:

1. access, monitor or copy any content or information of this Site using any robot, spider, scraper or other automated means or any manual process for any purpose without our express written permission;
2. violate the restrictions in any robot exclusion headers on this Site or bypass or circumvent other measures employed to prevent or limit access to this Site;
3. take any action that imposes, or may impose, in our discretion, an unreasonable or disproportionately large load on the Site infrastructure; or
4. deep-link to any portion of this Site (including, without limitation, the purchase path for any travel services) for any purpose without our express written permission.

You may only use this Site and the Call Center to make legitimate reservations, purchases or requests to purchase the products or services offered (each, a “Request”) and shall not use this Site or Call Center to make any speculative, false or fraudulent Requests or any Requests in anticipation of demand. You represent that you are of sufficient legal age to create binding legal obligations for any liability you may incur as a result of your use of this Site or the Call Center. You agree to promptly update your information in order to keep your information current, complete and accurate. It is a violation of law to place a Request in a false name or with an invalid method of payment. Please be aware that even if you do not give us your real name, your web browser transmits a unique Internet address to us that can be used by law enforcement officials to identify you. Fraudulent users will be prosecuted to the fullest extent of the law.

Links to Third-Party Sites

This Site may contain hyperlinks to websites operated by third party parties. Such hyperlinks are provided for your reference only. We do not control such websites and are not responsible for changes to website location, their contents or your use of them. Our inclusion of hyperlinks to such websites does not imply any endorsement of the material on such websites or any association with their operators.

No Unlawful or Prohibited Use

As a condition of your use of this Site, you warrant that you will not use this Site or the Call Center for any purpose that is unlawful or prohibited by these Terms and any other terms, conditions and notices.

Modification of these Terms and Conditions

We reserve the right to change the terms, conditions, and notices under which this Site and/or the Call Center is offered, at any time, without notice. We reserve the right, in our sole discretion, and without liability, to terminate your access to all or part of the Site and/or the Call Center, with or without notice, for any reason or no reason.

Personal Information

We seek to use reasonable organizational, technical, and administrative measures to protect your personal information. Unfortunately, no data transmission or storage system can be guaranteed to be 100% secure. If you have reason to believe that your interaction with us is no longer secure (for example, if you feel that the security of your account has been compromised), please immediately notify the Call Center at (855) 854-5493.

Seller of Travel Information

Aspire Loyalty Travel Solutions complies with the laws in the states that require registration in order for an agency to sell or offer to sell travel services:

California* (2122200-50)

Florida (ST39969)

Iowa (1253)
Washington (603527613)
*Registration as a seller of travel does not constitute approval by the State of California. Aspire is not a participant in the California Travel Consumer Restitution Fund.

Governing Law

These Terms and any action or proceeding relating to these Terms or any activity arising from the use of the Program and/or Site, whether in contract or tort, law or equity, shall be governed by, construed and enforced in accordance with the laws of the State of Delaware, USA as they are applied to agreements entered into and to be performed entirely within such state.

Travel Privacy Policy

As user of the Site, you are in control of all your travel-planning. We know you want to remain in control of your personal information, as well.

The Program and Aspire are committed to protecting your personal information. This Privacy Policy (the "Policy") explains how personal information you provide to the Site is collected and used, as well as offline when communicating with the Call Center. This Policy does not cover Travel Suppliers, third party providers, distributors, or suppliers, which may or may not be subject to their own privacy policies.

You should read this Policy before you submit any personal information to us. By using the Site, you consent to the collection and use of your personal information as outlined in this Policy. If you do not agree with the content of this Policy, you should refrain from using the Site. 

Personal Information We Collect and How it is Used

In General. We may collect and store any personal information you enter on the Site or provide to us in some other manner. Personal information is data that identifies you, and includes (but is not limited to) your name, business or personal email address, physical address and direct telephone number. You are not obligated to provide us with any personal information, unless or until you choose to purchase a reservation or engage in other transactions on the Site. We strive to limit the type of personal information that we collect to information that helps us accomplish our goal of providing a high level of service for the benefit of our existing and prospective customers.

Purchases. In order to purchase travel and related services through the Site, you may provide us with certain personal information such as your name, your credit card number and expiration date, your credit card billing address, your telephone number, your e-mail address and the name or names of the person(s) traveling (if not you). We may also ask you for other personal information, such as your frequent traveller numbers. We require this information so that we can process, fulfill and confirm your reservations and transactions and keep you informed of each transaction's status. If you are making a reservation for one or more travellers other than yourself, you will need to make sure that each of these other travellers agrees, in advance, that you may disclose their personal information to us. For your convenience, we make certain information about your reservation available to you or other persons authorized by you to receive such information. For example, if you forget your flight number, you or another person authorized by you may retrieve that information from us after providing information sufficient to confirm your identity or that such other person is authorized by you to receive that information.

TSA Secure Flight. Under the Transportation Security Administration (TSA) Secure Flight program most air passengers are now required to provide their full name, date of birth, and gender (plus redress number, when applicable) at the time of booking. We will not disclose this information to any third parties other than the applicable airline(s). If you are making a reservation for travellers other than yourself, you should make sure each traveller agrees, in advance, that you may disclose their personal information to us for this purpose. Providing this information is voluntary; however, if it is not provided, you may be subject to additional screening or denied transport or authorization to enter a sterile area. TSA may share information you provide with law enforcement or intelligence agencies or others under its published system of records notice.

Information Collected Automatically. When you visit the Site, we automatically log generic information about your computer and your computer's connection to the Internet. This information may consist of things such as device information, IP address, operating system and browser software information, and the activities conducted by the user while on the Site. An IP address is a number that allows computers attached to the Internet, such as our web servers, to know where to send data back to the user, such as the pages of the Website the user wishes to view. We collect this information because it helps us analyze such things as what items visitors are likely to click on most, the way visitors are clicking through the site, how many visitors are surfing to various pages on the site, how long visitors to the site are staying and how often they are visiting. It also helps us diagnose problems with our servers and lets us better administer our systems. It is possible to determine from an IP address a visitor's Internet Service Provider (ISP) and the approximate geographic location of his or her point of connectivity. We may also use some of this information, such as the pages you visited on our site, to send you e-mail messages focused on destinations that you may be interested in, unless you had previously opted out of receiving such messages. We also use session data to help prevent fraud or unauthorized use of our site.

Use of cookies. Cookies are pieces of information, usually a small text file that a site transfers to your computer's hard drive and resides there for record keeping purposes. Cookies can make the Web more useful by storing information about your preferences on a particular site. Cookies are only read by the server that placed them, and are unable to do such things as run programs on your computer, plant viruses or harvest your personal information. The use of cookies is an industry standard and very common on the Internet. Cookies allow us to serve you better and more efficiently by retrieving information previously entered by the user, such as e-mail addresses and zip codes thereby personalizing your experience at the Website. Cookies in and of themselves do not personally identify users, although they do identify a user's computer.

The blocking of website cookies may disable certain features on the Site and may make it impossible to purchase or use certain services available on the Site. Please note that it is possible to block cookie activity from certain websites while permitting cookies from sites you trust.

Disclosure of Personal Information

When you reserve or purchase travel services through the Site, we provide to the airline, hotel, car-rental agency, travel agency or other involved third party provider, distributor, or supplier only that portion of your personal information that is needed for the successful fulfillment of your travel arrangements. We book most of our travel services through the GDS (Global Distribution System), and in doing so must provide certain of your personal information to them (as we would with any other GDS we now use or may use in the future). We use non-personally identifiable information in aggregate form to build higher quality, more useful online services by performing statistical analyses of the collective characteristics and behavior of our customers and visitors, and by measuring demographics and interests regarding specific areas of our site. We may provide anonymous statistical information based on this data to suppliers, advertisers, affiliates and other current and potential business partners. We may also use such aggregate data to inform these third parties as to the number of people who have seen and clicked on links to their websites. We may also share your personal information with other companies or  individuals in the following instances:

• In response to subpoenas, court orders, or other legal process; to establish or exercise our legal rights; to defend against legal claims; or as otherwise required by law. In such cases we reserve the right to raise or waive any legal objection or right available to us.
• When we believe it is appropriate to investigate, prevent, or take action regarding illegal or suspected illegal activities; to protect and defend the rights, property, or safety of the travel provider, our customers, or others; and in connection with these Terms and other agreements.
• In connection with a corporate transaction, such as a divestiture, merger, consolidation, or asset sale, or in the unlikely event of bankruptcy.

International Transfers of Personal Information

The Site is operated in the United States and, depending on your country of residence, the submission of personal information to the Site may involve some transfer of personal information to the United States. You should be aware that privacy laws in the United States may not provide protections equivalent to those of your country of residence. We have taken steps to ensure that appropriate levels of protection necessary to maintain the security and quality of your personal information are in place and that any transferred data is processed only in accordance with this Policy.

Cash Equivalent Redemption Terms and Conditions (if applicable to your program)

Gift Card Terms & Conditions

Gift Cards issued pursuant to the Program are subject to the Program’s Terms & Conditions and the Terms & Conditions set by the merchant issuing the Gift Card. Redemption of Points for a Gift Card constitutes acceptance of these Terms & Conditions and the Terms & Conditions set by the merchant issuing the Gift Card. Additional information may be obtained from the issuing merchant or its website.

Expiration policies and non-usage fees may apply to the extent allowed by law.

Gift Cards are not redeemable for cash. Gift Cards may not be exchanged or returned unless damaged or defective at the time of receipt. Gift Cards previously issued by a merchant that no longer accepts gift cards or is no longer in business may not be exchanged or returned.

Except as required by law, Gift Cards will not be replaced or replenished if lost, stolen, destroyed, used without the intended recipient’s permission or used in a manner inconsistent with any law.

Physical Gift Cards will be delivered via USPS, UPS, or Fedex and are sent by the Gift Card fulfillment partner. Should a Gift Card not be delivered to the intended recipient within 14 days of the shipping date or if there are any other issues with a Gift Card, please contact an awards representative at 855-854-5493. The awards representative will attempt to resolve any issues within fourteen (14) days of contact. Research will be conducted to determine the appropriate resolution, but in no event will a replacement Gift Card be issued more than 30 days after the original Gift Card shipping date.

Digital Gift Card orders will be confirmed by an email generated on behalf of the merchant by the Digital Gift Card fulfillment partner and/or Program Headquarters.

Gifting Rewards

• Rewards earned in your account may be gifted to another Program account.
• The redeeming/sending cardholder's account must be in good standing and capable of redeeming their rewards in order to gift rewards to another account.
• The recipient's account must be in good standing and able to earn rewards in order to receive the gift.
• The redeeming cardholder must enter the email address of the recipient. This must be the email address that we have on file for the destination account.
• The amount of rewards gifted to another Program account must be within any parameters that we establish from time to time.
• Rewards are not transferable to or from any other rewards program.

Purchase Rebate for Statement Credit

All Statement Credit redemptions are final. We are unable to process refunds, exchanges or cancellations.
General

• Credits will be applied to your Program card account within 3 business days of the redemption request. The credit will be reflected on your next or the following billing statement.
• The credits will be issued to your Program card account only and may not be redeemed for cash equivalent, transferred to another card or used as a payment on other accounts.
• If you would like to learn the exact date the credit will post or was posted to your statement please contact your financial institution.

STATEMENT CREDITS ARE NOT A PAYMENT. PLEASE REMEMBER TO SUBMIT YOUR NORMAL MONTHLY PAYMENT BEFORE YOUR NEXT DUE DATE.

Direct Deposit or Purchase Rebate for Deposit to Checking

All Cash Reward redemptions for Deposit to Checking are final. We are unable to process refunds, exchanges or cancellations.

General

• Cash Rewards redemptions for a deposit into a checking account are generated as an ACH deposit to the designated account typically within 5 business days.
• You must enter an accurate routing number and account number for your Cash Reward redemption to be processed correctly.
• If you would like to learn the exact date of when your transaction will be deposited to your account please contact your financial institution.

Direct Deposit or Purchase Rebate for Deposit to Savings

All Cash Reward redemptions for Deposit to Savings are final. We are unable to process refunds, exchanges or cancellations.

General

• Cash Rewards redemptions for a deposit into a savings account are generated as an ACH deposit to the designated account typically within 5 business days.
• You must enter an accurate routing number and account number for your Cash Reward redemption to be processed correctly.
• If you would like to learn the exact date of when your transaction will be deposited to your account please contact your financial institution.

Statement Credit

All Statement Credit redemptions are final. We are unable to process refunds, exchanges or cancellations.

General

• Statement Credits will be applied to your Program card account within 3 business days of the redemption request.

• The Statement Credits will be issued to your Program card account only and may not be redeemed for cash equivalent, transferred to another card or used as a payment on other accounts.

• If you would like to learn the exact date the Statement Credit will post or was posted to your statement please contact your financial institution.

STATEMENT CREDITS ARE NOT A PAYMENT. PLEASE REMEMBER TO SUBMIT YOUR NORMAL MONTHLY PAYMENT BEFORE YOUR NEXT DUE DATE.

Effective December 5, 2019