everblue® Rewards Terms & Conditions

Bangor Savings Bank Credit Card Rewards Agreement 

This Bangor Savings Bank Credit Card Rewards Agreement (“Agreement”) is made by and between you (“you” “your”) and Bangor Savings Bank, an FDIC-insured bank chartered by the State of Maine (“Bank” “we” “us” “our”). This Agreement contains additional terms and conditions governing your membership and participation in the Bangor Savings Bank everblue^® credit card rewards program, which includes the uChoose Rewards^® Program, and any related promotion, product, or service (“Rewards Program”) related to your eligible Bangor Savings Bank everblue^® credit card (“Card”) and the associated line of credit account (collectively, your “Account”). This Agreement supplements, forms part of, and is incorporated by reference into your agreement(s) with Bangor Savings Bank governing your Card or Account (“Cardholder Agreement”). This Agreement includes, and incorporates by reference, the uChoose Rewards^® Program Terms and Conditions and the uChoose Rewards^® Program Redemption Terms and Conditions. By accepting this Agreement, earning or redeeming Points, or accepting, using, or maintaining your Rewards Card, you agree to be bound by this Agreement, and agree to all of the Rewards Program features, limitations, and restrictions contained in this Agreement as well as any additional terms and conditions contained in the Rewards Program, promotions, or transactions that may be offered to you from time to time and any terms and conditions contained in any certificate, coupon, or document issued to you under the Rewards Program. 

THIS AGREEMENT CONTAINS AN ARBITRATION PROVISION PURSUANT TO THE FEDERAL ARBITRATION ACT AND WAIVER OF YOUR RIGHT TO JOIN A CLASS ACTION. PLEASE SEE THE ARBITRATION PROVISION BELOW FOR INFORMATION ABOUT RIGHTS YOU MAY HAVE TO REJECT THE ARBITRATION PROVISION. 

1. Eligibility. To be eligible to participate in the Rewards Program, you must have a Bangor Savings Bank everblue^® Business Rewards Plus Mastercard, everblue^® Cash Back Plus or everblue^® Cash Back Plus World Card, and an associated Account, that are open, active and in good standing, and you must meet our other eligibility criteria that we may impose or change from time to time. We may change the types of Cards and Accounts that are eligible for use with this Rewards Program at any time. Eligibility is subject at all times to our discretion. We may require you to provide additional information to verify your eligibility to earn Points, and you will not be able to earn Points or participate in the Rewards Program if you do not provide the requested information within the required timeframe. There are benefits offered under this Rewards Program and by our partners which may not be available to all cardholders. Please contact us if you have any questions about the benefits of your Bangor Savings Bank credit card.

2. Earning Rewards. You may earn Points for making eligible Purchases with your Card. “Points” are promotional rewards provided to you under the Rewards Program, which are awarded to you when you make eligible purchases with your Card, and can be redeemed for cash back and other items as described in this Agreement. The uChoose Rewards^® Program Terms and Conditions provide additional terms and conditions governing your ability to earn and accrue Points under the Rewards Program. All rewards that you earn under this Agreement are earned in the form of Points, and any offer to earn “cash” or any item other than Points in connection with this Rewards Program may require you to redeem your Points for cash, a statement credit, or other items as described below. 

“Purchases” include purchases of goods and services that you make at merchant points of sale using your Card, minus the amount of any returns, refunds or discounts. The amount of the Purchase is determined by us in our sole discretion, and generally includes the purchase price of the item purchased in the Purchase transaction, plus applicable sales tax and shipping charges, but excludes returns, and may exclude other fees and surcharges charged by us or any third-party in connection with the Purchase. Purchases do not include: the use of checks that access your Account, balance transfers, cash advances, ATM transactions, quasi-cash and cash-like purchases (including, but not limited to, the purchase of travelers checks, foreign currency, cryptocurrency, money orders, wire transfers, and general purpose stored value cards), interest and fees incurred on your Account, unauthorized transactions, prohibited transactions, erroneous transactions, “split tender” transactions that are not paid for in full using your Card, purchases made in whole or in part by redeeming Points, purchase of items returned for credit, gambling and betting transactions, transactions with merchants assigned an ineligible MCC (defined below), transactions we believe are made for a purpose prohibited by your Cardholder Agreement or inconsistent with the purpose for which you obtained the Card, transactions that cause you to exceed your credit limit, and any other ineligible transaction on your Account as determined by us in our sole discretion from time to time. Additionally, purchases using a third-party payment account or wallet (such as PayPal) will not be eligible for accruing Points. Questions concerning eligible transactions will be determined in the sole discretion of Bank. The amount of each Purchase for which Points are awarded to you will be measured in U.S. Dollars, at an exchange rate determined by us if the transaction is made in foreign currency, and will be rounded down to a whole-dollar amount for purposes of determining the number of Points to be awarded. Points are earned after enrollment in this Rewards Program, and no Points will be provided retroactively, or during any time when you are in default under the Cardholder Agreement. Points cannot be combined with other discount or reward programs unless specifically authorized by us. 

Points will be earned and calculated at a rate that we determine from time to time. The number of Points that you may earn for each Purchase may vary based on various factors, including, without limitation, the types and dollar amounts of Purchase, your participation in a promotion we may offer, and the information provided to us by the payment network processor of the merchant from which you make the Purchase. 

We may offer you the ability to earn Points at a higher rate on Local Purchases. A “Local Purchase” is a purchase made with a merchant that has a Card Acceptor ID registered to an address in New Hampshire or Maine, as determined by us in our sole discretion. Not all Purchases made at a physical location in New Hampshire and Maine are Local Purchases. A merchant that has a physical location or point of sale in New Hampshire or Maine may have a Card Acceptor ID registered to an address outside of New Hampshire or Maine. Purchases made with those merchants are not Local Purchases and are not eligible for earning Points at the higher rate for Local Purchases. 

Merchants who accept the Card are assigned a merchant code (“MCC”), which is determined by the merchant or its processor in accordance with card brand procedures based on the kinds of products and services they primarily sell. As such, even though a merchant may sell retail items that may be similar to retail items sold by another merchant, the merchants may not have the same merchant code, and therefore the purchases at the merchants may not be included in the same category for the purposes of earning Points. Purchases using the Card must be submitted by merchants using the identified merchant category codes to qualify for earning Points. We are not responsible for incorrectly coded transactions. We may permit or restrict your ability to earn Points on Purchases you make from merchants that are assigned certain MCCs. 

We may offer you the ability to earn a “sign up bonus” or similar award if you complete certain actions and meet certain criteria in connection with opening a new Card or Account. In order to earn a sign up bonus, you must make eligible net Purchases in the amount stated in the offer and related documents provided by us in connection with your new Card, and take any other actions we require, within a certain amount of time after you open your Account, as stated in the offer. Sign up bonuses are not offered for all Card programs. We also may offer you the ability to participate in additional promotions from time to time which offer you the ability to earn additional Points by completing certain actions or meeting certain criteria. To be eligible to earn the sign up bonus or other promotion, Purchases and other transactions required to earn the sign up bonus or other reward must post to your account, according to our records, within the time period stated in the offer. You may be ineligible to earn more than one sign up bonus within a 48 month period, even if you open more than one Card or Account for which we offer a sign up bonus during that time. Your eligibility to earn a sign up bonus and participate in promotions is in our sole discretion. We may limit your ability to earn Points, participate in more than one promotion, participate in any promotion more than once, or participate in any promotion if another member of your household participates in the promotion. Additional terms and conditions may apply to sign up bonuses and promotions and you agree to these terms by participating in the promotion. To be eligible to earn a sign up bonus or any Points associated with a promotion, your Account must be open and in good standing for the entire duration of the term of the promotion and until the time Points you earn are fulfilled and posted to your Rewards Account (defined below). 

Points earned during a calendar month are posted to your Rewards Account (“Rewards Account”) typically by the 1st day or business day of the following calendar month. However, if a qualifying Purchase made during a month or billing cycle has not posted to your Account as of the last day of such month or billing cycle, then we may delay posting the Points to your Rewards Account until the 1st day of the second month or billing cycle following the month or billing cycle in which the Purchase was made. You will not earn Points for pending transactions and we may withhold the subsequent awarding of Points to you until after the transaction posts to your Account. You may review your Points balance by visiting your Rewards Account, which may be accessed by visiting bangor.com/everblue. Once posted to your Rewards Account, these Points are available to you should you choose to redeem them. There is no limit on the number of Points you can earn each year, however we reserve the right to impose a limit. If it has been more than thirty (30) days since you made a Purchase and Points are not reflected on your Rewards Account, please contact us toll free at 1.800.280.7411. If you believe your Points balance as reflected in your Rewards Account is inaccurate, you must notify us within ninety (90) days of the Purchase for which you believe Points were not awarded. Failure to notify us within ninety (90) days of the Purchase will result in the forfeiture of any Points that may have been earned in connection with such transaction. Points earned in connection with a sign up bonus or other promotion may take up to two (2) billing cycles after the promotion period expires to post to your Rewards Account. 

3. Redemption. You may redeem any Points, which have been credited to your Rewards Account, by accessing your Rewards Account online through our website bangor.com/everblue, and following our instructions for redeeming Points. We may require you to visit www.everbluerewards.com or another third-party website in order to complete and submit request to redeem your Points. Redemptions are subject to Point availability and other requirements contained in this Agreement and the uChoose Redemption Terms and Conditions. Redemptions for goods, services, gift cards, travel, or experiences, as may be made available to you from time to time (“Redemption Items”), are available while supplies last, and we do not guarantee the availability or any aspect of the Redemption Items. Point redemption value is subject to change without notice. 

In addition to redeeming the Points for Redemption Items, subject to the terms of this Agreement, you may redeem Points for a statement credit at a rate determined by us in our sole discretion, and disclosed to you at the time you request to redeem your Points. Any statement credit will be applied to any balance you may have on your Account, in our sole discretion. However, such redemptions do not count toward your minimum monthly payment obligation. Your minimum monthly payment on the Rewards Account will still be required even if the amount of the statement credit redemption is greater than the minimum payment due. A statement credit will typically post to your Account within seven business days after redemption, but it may take longer and we are not responsible for any delay. In the event the applicable Account has no outstanding balance or the outstanding balance is less than the statement credit redemption amount, then the statement credit redemption, in whole or in part, may be denied. However, you may request to redeem the Points for a statement credit at a later time when there is an outstanding balance on your Account that is greater than the statement credit you request. 

We may offer you the ability to redeem your Points for cash which we deposit directly into an eligible deposit account. If we do, you must link an eligible deposit account to your Rewards Account. To be eligible, you must own and be authorized to use the deposit account for the purposes described in this Agreement, the deposit account must be provided and held by Bangor Savings Bank, must be a checking account that is associated with and accessible by a debit card issued to you by Bangor Savings Bank, and meet all other eligibility requirements that we may impose from time to time. You grant us a right of offset against any cash you obtain by redeeming Points, in order to satisfy any obligation you have to us. 

Points do not expire. However, if the Account is closed or the Cardholder Agreement or this Agreement is terminated, you will forfeit all of your Points. If your Account is closed because the Card was reported as lost or stolen (subject to verification), and a new Account is opened for you, you will not forfeit your Points. All statement credits and Point redemptions are final. We reserve the right to modify the manner in which you may use or redeem Points. We do not guarantee the availability of any item for which you may redeem Points. We reserve the right to modify the manner in which statement credits are applied to your Account at any time. Your Points will not be available for redemption until posted to your Rewards Account regardless of the date of the transaction for which Points are earned. 

We may use third-party networks to make certain Points redemption offers available to you and to manage the Rewards Program. You may be required to accept the terms and conditions of these third-party networks in order to participate in the Rewards Program and redeem your Points. We have sole discretion to use and change these third-party networks without notice to you. 

Your Points may only be redeemed if your Account and your Rewards Account are in good standing and you are not in default of this Agreement or the Cardholder Agreement at the time you request to redeem your Points. Points earned in connection with an enrolled Account will be consolidated and reported in a single Rewards Account that is owned by the primary account holder of your Account. Consolidation of Points into one Rewards Account will be based upon the person, as determined by Bank, identified by name and Social Security number as the primary account holder on each Account. The primary account holder is the individual whose name appears first on the Account, as determined by Bank’s records. If you have a jointly owned Account or have authorized any other person to use your Card, Account or Rewards Account, you understand and agree that all Account holders and authorized users may redeem your Points, and you are responsible for any redemptions and other transactions made by all such users of your Rewards Account. 

4. Restrictions on earning Points. Points are issued solely for loyalty, awards, and promotional purposes. You may not use your Points for a business or commercial purpose; provided, however, that if you are a business entity participating in this Rewards Program in connection with a commercial-purpose Card and Account obtained from us, you may use the Points internally for lawful loyalty and promotional purposes consistent with this Agreement and your Cardholder Agreement. Points are not your property and may not be assigned or transferred to any person (including upon death or as a part of a domestic relations matter). Points have neither cash value, surrender value, transfer value nor any other value of any kind until and to the extent they are actually redeemed by us. Points cannot be used to offset any amount due from you to Bank on the Account, except as expressly permitted by this Agreement. When you request to redeem Points, we may elect to use any Points in your Rewards Account to effect the redemption, in our sole discretion, regardless of their expiration date or the order in which the Points were earned. The sale or barter of any Points is expressly prohibited. You may not repeatedly open or otherwise maintain a Card or Account solely for the purpose of earning Points. 

If any transaction on which you earned Points is returned, reversed, or refunded for any reason, or if we determine in our sole discretion that you were not eligible for the Points you accrued, you will forfeit the Points. If the Points have already been credited to your Rewards Account then Points will be deducted from your Rewards Account, and may result in a negative Points balance. We may offset any negative Points balance against Points you earn on future Purchases. 

We may temporarily suspend or permanently terminate your ability to earn or redeem Points at any time, with or without cause, including, but not limited to, if any of the following events occur: 

• You violate the Cardholder Agreement or this Agreement, or your Account is in default under the Cardholder Agreement. 
• You do not make at least the minimum payment due on your Account by any applicable payment due date. 
• You engage in any fraudulent or other illegal activity in connection with the Rewards Program, or otherwise engage in activity that we deem to be abusive or “gaming” conduct under the Rewards Program, as determined in our sole discretion. 
• You engage in fraudulent activity. 
• Your Points balance in your Rewards Account is negative for a period of time exceeding 30 days. 
• You or we close your Account for any reason. 
• If Bank or the merchant is unable to track or verify your transaction for any reason. 
• You engage in any activity which we believe is in violation of this Agreement, the Cardholder Agreement, or which otherwise presents risk to Bank. 

5. Cancellation And Forfeiture Of Points. Points may be immediately canceled and forfeited, at our discretion, including if any of the events listed above in Section 4 occurs. We do not offer credits, exchanges, transfers, or refunds of Points that you do not redeem before your Points expire, are cancelled, or forfeited. 

6. Merchants And Third-Party Service Providers. The merchants and third-party service providers that participate in the Rewards Program are not affiliated with us and are not sponsors or co-sponsors of the Rewards Program. All participating merchant and third-party service provider names, logos, and marks are used with permission and are the property of their respective owners. Participating merchants and third-party service providers are subject to change without notice. Participating merchants and third-party service providers are responsible for the quality and performance of Redemption Items and any other products or services they provide, and Bank does not endorse or guarantee and is not responsible for any aspect of the Redemption Items, or any other products or services of participating merchants or third-party service providers. 

Points are provided solely by Bank. Please contact Bank for any questions about your Points or the Rewards Program. For all questions or customer service inquiries about a merchant, a merchant’s website, a transaction you make with a merchant, or any Redemption Items or other goods, services or experiences you purchase or otherwise obtain in connection with your Card or this Rewards Program, please contact the merchant. 

If you make a purchase of goods or services at a merchant, you are subject to their terms, return policy, and privacy policy. BANK WILL NOT, UNDER ANY CIRCUMSTANCES, BE RESPONSIBLE OR LIABLE, DIRECTLY OR INDIRECTLY, FOR ANY REDEMPTION ITEMS, GOODS, SERVICES, OR EXPERIENCES PURCHASED AT A MERCHANT OR OBTAINED BY REDEEMING YOUR POINTS, OR FOR ANY HARM, DAMAGES, OR LOSS IN CONNECTION WITH OR CAUSED BY SUCH REDEMPTION ITEMS, GOODS, SERVICES, OR EXPERIENCES, OR YOUR RELIANCE ON THE CONTENT, WEBSITE, OR BUSINESS PRACTICES OF A MERCHANT OR OTHER THIRD-PARTY. 

Unless otherwise stated by us in writing, Redemption Items are provided by third-party merchants or suppliers, and are not provided by the Bank. Participation in this Rewards Program or redemption of your Points for certain Redemption Items may require you to agree to third-party terms and conditions, and third-party privacy policies (“Third-Party Terms”). For example, you may be required to agree to the Third-Party Terms of a financial institution or merchant that issues a gift card (“Gift Card Agreement”), or the Third-Party Terms of a common carrier or provider of travel accommodations or experiences (“Travel Terms”). Unless otherwise stated by us in writing, we are not a party to any Third-Party Terms, and we expressly disclaim all responsibility and liability arising from the Third-Party Terms and any person’s purchase or use of any Redemption Item. You must comply with all Third-Party Terms, and your breach of any Third-Party Terms may be deemed a breach of this Agreement, in our sole discretion. You expressly consent and agree that we may share your non-public personal information and information about your accounts with us to our service providers and other third parties that participate in, or provide services, in connection with this Rewards Program, and those parties may use and share your information in accordance with their respective privacy policies and Third-Party Terms. 

Your Redemption Items, including tickets, experiences, travel, credits, gift cards and the underlying funds, may expire, and may be subject to fees, as set forth in the relevant Gift Card Agreement, Travel Terms, or other relevant Third-Party Terms. The Gift Card Agreement shall govern your rights and responsibilities in connection with any unauthorized transactions made on a gift card, errors, and gift cards that are lost, stolen, or used in a manner inconsistent with the Gift Card Agreement. You must contact the issuer of your gift card, using the contact information set forth in the Gift Card Agreement, to resolve any questions, complaints, errors, or other problems you may have with a gift card. Unless otherwise stated in the Gift Card Agreement, we are not the issuer of any gift card you obtain by redeeming Points. 

We are not responsible for any delays, cancellations, damage or loss or theft of personal property, bodily injury, death, errors, or other losses or liability you may incur in connection with any travel or other Redemption Items you obtain in connection with this Rewards Program. Please see the uChoose Rewards Program Terms and Conditions for more information about how to resolve any other questions, complaints, or issues may have with a Redemption Item. 

7. Amendments, Restrictions, Termination. We may add to, terminate, and/or change the Rewards Program at any time with or without notice to you. For example, we may change the amount of Points you can earn for making a Purchase at a qualifying merchant, impose additional eligibility requirements, such as limiting Points to purchases of certain products, impose caps on earning and/or using Points, change the eligibility requirements for the Rewards Program, offer or discontinue special promotions, change the Redemption Items for which you may redeem Points, change disqualifying events, place restrictions on or terminate your ability to earn Points, terminate your participation in the Rewards Program, or terminate all or parts of the Rewards Program. We may not notify you of such changes, unless required by applicable law. You acknowledge that in the event we make any of these changes, you may no longer be able to earn or use Points. 

We will give you notice of changes to this Agreement by posting an updated copy of this Agreement when you log in to your Rewards Account or by emailing or by mailing them to you. The amended Terms will be effective when they are posted or sent to you, or on the effective date specified in the Terms. By continuing to participate in the Rewards Program after the effective date of the updated Terms, you agree to these updated Terms. 

8. Questions, Complaints. You may contact us in writing at Bangor Savings Bank, P.O. Box 921, Bangor, Maine 04402-0921, or by phone at 1-800-280-7411, if you have any questions or complaints about the Rewards Program. Complaints, disputes and discrepancies concerning your earning or redemption of Points are not treated as credit card billing errors or disputes under your Cardholder Agreement. 

You agree to notify us promptly of any errors relating to your Rewards Account but in no event later than ninety (90) days after the date of the Purchase or redemption request to which the error relates. We reserve the right (but are not required) to correct inaccurate Point values represented in your Reward Account and to adjust Point values at our sole discretion. If we do not credit, or if we improperly deny, Points or a Points redemption to which you were otherwise entitled, then your exclusive remedy will be the issuance of the improperly denied Points, the ability to redeem Points for currently available benefits, or such other alternative benefit as we in our sole discretion may determine. Neither we nor any of our affiliates, agents, or representatives have any other or additional liability to you or any other person for such error(s), subject to applicable law. 

9. Your Responsibility for Taxes. Earning and redeeming Points may result in your receipt of taxable income. When laws require us to do so, we will report any income you receive under this Agreement to the Internal Revenue Service, as well as state and local tax authorities. You are responsible for paying any federal, state, or local taxes you owe, or other connected fees or gratuities. Should we be required to report income you earn under this Agreement, we may report such income with the tax ID number of any Account holder, based on our records. 

10. Limitation of Liability. Neither we nor any of our third-party service providers, including each of such party’s respective employees, officers, affiliates, or agents, will be liable to you for any action or inaction any of them take or fail to take with respect to the Rewards Program or any changes in this Agreement. 

To the maximum extent permitted by law, neither we nor any of our third-party service provider, including each of such party’s respective employees, officers, affiliates, or agents, assume any responsibility for, and will not be liable for, any financial loss, personal injury, property loss or damage, other loss, accident, delay, inconvenience, or irregularity which you may suffer by reason of any act, default, non-performance, or wrongful, careless, negligent, or unauthorized act or omission of us or any Rewards Program service provider, including each of such party’s respective employees, officers, affiliates, or agents, or any other third-party. In no event shall we or any of our affiliates or agents be responsible or liable to you, or anyone claiming through you or on your behalf, for any indirect, special, exemplary, punitive, or consequential damages, including, without limitation, lost revenue, lost profits, or lost opportunity arising out of or relating to any of the acts or omissions of Bank or any of our respective affiliates or agents, or otherwise in connection with or relating to the Rewards Program or our administration, or that result from the use of, or inability to use, the Rewards Program, even if we have been made aware of the possibility of such damages. Neither we nor any of our third-party service providers, including each of such party’s respective employees, officers, affiliates, or agents, will be responsible for any damage, loss or expense of any nature resulting from your use of the Rewards Program, including, but not limited to, any defects in the Rewards Program or any Redemption Items you obtain by redeeming Points, or from any cancellation irregularity or mishap affecting the Rewards Program or your Rewards Account. In addition, we make no warranty or representation either expressed or implied, and expressly disclaim any and all liability and damages with respect to type, quality, or fitness for use of any Redemption Items, or any other goods or services provided through this Rewards Program or otherwise made available to you in connection with the Rewards Program or through the use of redeemed Points. THE REWARDS PROGRAM IS PROVIDED “AS IS,” “WHERE IS,” AND “AS AVAILABLE.” IN NO EVENT SHALL WE OR OUR AFFILIATES, AGENTS, DIRECTORS, EMPLOYEES, SUPPLIERS, OR LICENSORS BE LIABLE TO YOU FOR ANY CLAIMS, PROCEEDINGS, LIABILITIES, OBLIGATIONS, DAMAGES, LOSSES OR COSTS IN AN AMOUNT EXCEEDING THE AMOUNT YOU PAID TO US HEREUNDER OR $100.00, WHICHEVER IS GREATER. 

11. Indemnification. You agree to indemnify and hold us and our third-party service providers and each of such party’s respective affiliates, directors, officers, employees, agents, and contractors harmless from and against any loss, damage, liability, cost, or expense of any kind (including attorneys’ fees) arising from your or an authorized user’s: (i) participation in the Rewards Program; (ii) any fraud or misuse of the Rewards Program; (iii) violation of this Agreement or the Cardholder Agreement; and/or (iv) violation of any applicable law or the rights of any third-party. 

12. Communications. You agree that we may send communications about the Rewards Program to you, electronically or otherwise, at any mailing or email address in our records or through our online services, such as our website or at any contact information associated with your Card. Let us know right away about any changes to your contact information. You also agree that Bank and its third-party service providers may listen to and record telephone calls as part of providing Rewards Program services. 

13. General. The Rewards Program is owned and administered by Bank and is subject to all applicable laws and regulations. You must use the Rewards Account only for lawful loyalty and promotional purposes, and not for any business, commercial, or investment purpose except as explicitly stated herein. The accrual and/or redemption of Points is void where prohibited by law. You are solely responsible for maintaining the security of your Rewards Account. We may rely on any oral, written or electronic instructions we receive to redeem your Points, regardless of whether or not you personally stated or sent them. You agree that we are not liable for following instructions of anyone claiming to be you. You understand and agree that any authorized user of your Card or Account may have access to your Rewards Account, and you are responsible for all transactions that the authorized user makes on your Rewards Account, including any redemption of your Points without your additional authorization. We are not responsible for ay disputes you may have with any authorized user of your Card or Account in connection with this Rewards Program. 

All trademarks, service marks, and trade names used by Bank in this Rewards Program are property of their respective owners. No use of these may be made without the prior written authorization of Bank. 

This Agreement constitutes the entire agreement between you and us with respect to the subject matter described herein, and supersede all prior agreements or representations, written or oral, concerning such subject matter; provided, however, nothing herein modifies the terms and conditions of the Cardholder Agreement. You may not assign any of your rights or obligations under this Agreement, in whole or in part, without our prior written consent. We may assign our rights and obligations under this Agreement, in whole or in part, without your consent, to a third party, who will then be entitled to any of our rights that we assign to them. We may waive or delay enforcing any of our rights herein without losing them. Any claim or dispute arising from or relating to this Agreement or to the Rewards Program will be governed by and construed in accordance with Maine law (without regard to its conflicts of law principles) and, as applicable, federal law. 

14. JURY TRIAL AND CLASS ACTION WAIVER. YOU AND WE ACKNOWLEDGE THAT THE RIGHT TO TRIAL BY JURY IS A CONSTITUTIONAL RIGHT BUT MAY BE WAIVED IN CERTAIN CIRCUMSTANCES. TO THE EXTENT PERMITTED BY LAW, YOU AND WE KNOWINGLY AND VOLUNTARILY WAIVE ANY RIGHT TO TRIAL BY JURY IN THE EVENT OF LITIGATION ARISING OUT OF OR RELATED TO THIS CARD AGREEMENT. IN ADDITION, YOU WAIVE YOUR RIGHT TO JOIN A CLASS OF OTHER PERSONS OR ACTIVE/117927935.2 ENTITIES TO BRING A CLAIM AGAINST US, OR TO BRING OR BE A CLASS MEMBER IN ANY CLASS ACTION OR CLASS ARBITRATION PROCEEDING. THIS JURY TRIAL AND CLASS ACTION WAIVER WILL NOT AFFECT OR BE INTERPRETED AS MODIFYING IN ANY FASHION THE ARBITRATION AGREEMENT SET FORTH IN THE FOLLOWING SECTION, WHICH CONTAINS ITS OWN JURY TRIAL AND CLASS ACTION WAIVER. IF A COURT OR ARBITRATOR DETERMINES THAT THE ARBITRATION AGREEMENT BELOW IS INVALID OR UNENFORCEABLE, THE JURY TRIAL AND CLASS ACTION WAIVER IN THIS SECTION WILL NONETHELESS CONTINUE TO APPLY. 

15. Arbitration Agreement. 

1. For any and all controversies, disputes, demands, claims, or causes of action (including the interpretation and scope of this section and the arbitrability of the controversy, dispute, demand, claim or cause of action) between any party to this Agreement or relating to the Rewards Card Program (“Covered Disputes”), each party agrees to resolve such Covered Disputes exclusively through binding and confidential arbitration pursuant to the arbitration agreement or any other arbitration provision in your Cardholder Agreement (“Arbitration Agreement”). 
2. Please see your Cardholder Agreement for information about any rights you may have to reject or opt out of the Arbitration Agreement. If you have rejected or opted out of the Arbitration Agreement, all Covered Disputes will be resolved as set forth in the other provisions of this Agreement and your Cardholder Agreement pertaining to dispute resolution, governing law, forum, and venue. 
3. All statutes of limitations applicable to any Covered Dispute apply to any arbitration between you and us. This Section 15 and the Arbitration Provision shall survive: (i) the termination of this Agreement; (ii) the termination of your Cardholder Agreement; (iii) the bankruptcy of any party; (iv) any transfer, sale, or assignment of your Rewards Account, or any amounts owed on your Rewards Account, to any other person or entity; (v) closing of the Rewards Account; and (vi) termination of any other relationship between you and us. This section constitutes the entire agreement between youand us related to arbitration of a Covered Dispute and supersedes all prior arrangements and other communications concerning dispute resolution. With the exception of the provision of this section prohibiting arbitration on a class or collective basis, if any part of this arbitration provision is deemed to be invalid, unenforceable, or illegal, then the balance of this arbitration provision will remain in effect and will be construed in accordance with its terms as if the invalid, unenforceable, or illegal part was notcontained herein. 

UCHOOSE REWARDS^® PROGRAM TERMS AND CONDITIONS 

Welcome to the uChoose Rewards^® Program. If You participate in the uChoose Rewards Program, You agree to the following uChoose terms and conditions (“Terms and Conditions”). These Terms and Conditions are the agreement between Fiserv Solutions, LLC, as the operator and administrator of the uChoose Rewards Program on behalf of Your Financial Institution, and You for Your participation in the uChoose Rewar ds Program. These Terms and Conditions relate only to the uChoose Rewards Program as offered by Operator on behalf of Your Financial Institution. Your Account agreement provided by Your Financial Institution, which is a separate document, outlines the terms and conditions for your Account and associated card that You have with Your Financial Institution. 

Definitions 

In the uChoose Rewards Program, these terms have the following meanings: 

1. "Account" refers to a checking account, credit account, financial account, or other account opened at Your Financial Institution. 
2. "We," "Our," or "Operator" means Fiserv Solutions, LLC, the operator and administrator of the Program and its subcontractors. 
3. "Program" or "uChoose Rewards Program" means the program that allows Participants to earn and redeem points for rewards.
4. "Rewards Points Account" means the account that tracks points earned by the Participant. 
5. "You," "Your," or "Participant" means the individual(s) who is using the debit card, credit card, financial product, or other product of a participating financial institution to obtain points that qualify for rewards. 
6. "Your Financial Institution" refers to the financial institution where You maintain an Account. This may be a checking account where a debit card has been issued, a credit card account where a credit card has been issued, or any other account maintained by the financial institution on behalf of You. 

Eligibility 

1. Eligibility is subject at all times to the discretion of Your Financial Institution. Participants must have an active and open Account with a financial institution participating in the Program, which may include charging or usage privileges. 

2. Eligibility is restricted to Participants that have an Account statement mailing address within the 50 United States, the District of Columbia, United States territories, or United States military address (such as APO). 

3. This Program is available to all Accounts designated by Your Financial Institution, provided you remain in good standing with Your Financial Institution. 

Program Administration 

1. Your Financial Institution reserves the right to cancel or temporarily suspend the Program at any time without advance notice, which may result in the cancellation of outstanding points. Your Financial Institution has the right to change the Program without advance notice to You. 
2. Operator and Your Financial Institution each have the right to monitor all Rewards Point Account activity. Operator and Your Financial Institution each reserves the right to cancel any Pro gram membership in the event of fraud, abuse of program privileges, or violation of the Program rules; including any attempt to sell, exchange, or transfer points, or any instrument exchangeable for points. If You have conducted any fraudulent activity, Operator reserves the right to take any necessary legal action and may have grounds to confiscate any rewards redeemed as a result of such activity. In addition, You may be liable for monetary losses to Operator, including litigation costs and damages and yo u will not be allowed to participate in the Program in the future. 
3. We may, at any time and without prior notice, (i) change, limit or terminate any aspect of the Program, or (ii) update, amend or terminate these Terms and Conditions in whole or in part. Changes may affect outstanding transactions and points. 

Point Accrual 

1. You will earn points for every qualifying net purchase (purchases less returns) as designated by Your Financial Institution. This may include using your debit card or credit card or by participating in certain other Account activity with Your Financial Institution. Your Financial Institution determines the points earning rates for all transactions and when points begin to accrue. No retroactive points will accrue. Returns are subject to the return policy of the retailer from which you made your purchase. If you return or cancel an item, points are also reversed from that sale. Exchanges also make purchases from participating retailers made through www.uchooserewards.com ineligible for rewards, as when merchandise is exchanged, the merchant cancels the order and replaces it with a new one. Since the new order was not made through the program website points cannot be tracked. Because of this, the retailer will not pass the points to uChoose Rewards which means uChoose Rewards cannot access the points to put in your account. To avoid losing your rebate on exchanges, please make sure all returns are final. Once your refund is credited to your card, place the order again through the uChoose Rewards website to be sure you receive points on your purchase. 
2. Transactions from lost, canceled, or stolen credit or debit cards; or fraudulent purchases will not earn points. 
3. Participants will not earn points if the Account has been closed, whether closed by Pa rticipant or Your Financial Institution. Once the Account is closed, points will not be credited and points will be immediately forfeited and cannot be redeemed. Your Financial Institution will determine what constitutes a closed Account. 
4. The Program is based on net purchases only and does not include cash advances, balance transfers, or wire transfers. It also does not include any fees posted to your Account, including (but not limited to) late fees, over limit fees, and finance charges. 
5. Annual cap on points earned is set by your Financial Institution and will be stated in your Bangor Savings Bank Credit Card Rewards Agreement. 
6. Expiration date of points is set by your Financial Institution and will be stated in your Bangor Savings Bank Credit Card Rewards Agreement. 
7. Rewards Points earned during a calendar month are posted to the Participant's Rewards Points Account by the 1 st day of the following month; provided, however, in the event a qualified Purchase in a month has not completed posting to your Account as of the last day of such month then we may delay posting the corresponding Rewards Points to your Rewards Points Account until the 1st day of the second (2nd) calendar month following the month in which the Purchase was made. Qualifying Purchases that have not been cleared or posted to a Participant's Rewards Points Account are not eligible for redemption. 
8. Dollar and cents amounts will be rounded down to the nearest whole dollar amount when calculating points earned. 
9. Point balances are available for view online. 
10. Points cannot be transferred from one Rewards Point Account to another Rewards Point Account. 
11. Points from multiple Accounts may be pooled together at the discretion of Your Financial Institution. 
12. Points may not be assigned, transferred and/or pledged to any third party. Participant has no property rights or other legal interests in points. 
13. Participant is responsible for any personal tax liability that may be related to participation in the Program. 
14. If your Rewards Point Account does not represent the correct number of points that you should have been awarded, Operator reserves the right to adjust your point balance. If you have been awarded points in error or if you believe your Rewards Point Account has been the subject of any suspicious activity, please contact the Operator immediately using the "Contact Us" feature of the Program website. 
15. If you believe that you have made purchases that should have resulted in the addition of Rewards to your accumulated Rewards balance, and you see that the Rewards have not been reflected within thirty (30) days of your purchase, please contact us within ninety days of the date of such purchase and we will investigate the situation. (If you wait longer than ninety (90) days, your ability to claim the Rewards will be considered waived.) 

Redeeming Points 

1. No cash refunds or partial awards will be issued upon redemption of points. 
2. Program points may not be used with any other discount or coupon offer. 
3. All points must be redeemed using either (i) the Program website located at www.uChooseRewards.com, or (ii) through the third-party participating merchants in the Pay with Points program. 
4. If you have questions about the Program, those questions can be sent to the Operator using the "Contact Us" feature of the Program website. 
5. Points will be redeemable only if your Rewards Points Account is open and in good standing. 
6. The Participant must redeem points, but another person may use the ticket(s) or rewards. The Participant is responsible for any tax liability or other charges related to participation in the Program or redemption of points, and for payment of any taxes or charges. Examples of such charges include without limitation, baggage charges, departure taxes, or other charges that may have been assessed by government entities. 
7. Your Financial Institution reserves the right to disqualify any Participant from participating in the Program and to invalidate all points for abuse, fraud, or any violation of the Program Terms and Conditions. 
8. Your Financial Institution, Operator and suppliers are not responsible for the replacement of lost, stolen, or damaged documents awarded for the redemption of points. 
9. Your Financial Institution reserves the right to pass on any processing and/or surcharge fees that may be incurred on the rewards. 

Miscellaneous 

1. You acknowledge and agree that as part of the Program certain rewards information about You and Your Rewards Points Account may be provided to merchants and other parties involved in the Program and Your transactions and that you consent to this sharing. You acknowledge and agree that Operator has no control over and liability for any use of such information by those third parties. 
2. Operator has no liability for disagreements regarding points. Your Financial Institution's decisions regarding points and point discrepancies will be final. 
3. You agree to comply with all applicable laws, rules, statutes, ordinances, and regulations in connection with Your participation in the Program and Your use of goods and services. 
4. NONE OF OPERATOR OR THE SUPPLIER OF ANY REWARDS (INCLUDING EACH OF THEIR AGENTS, AFFILIATES OR EMPLOYEES) (TOGETHER, "PROVIDERS") MAKE ANY WARRANTY OR REPRESENTATION OF ANY KIND, EXPRESS OR IMPLIED, REGARDING THIS PROGRAM AND THE WEBSITE, AND/OR ANY CONTENT, DATA, SOFTWARE, MATERIALS, INFORMATION, PRODUCTS, SERVICES AND/OR OPERATION OF THE PROGRAM OR THE WEBSITE ALL OF WHICH ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. YOU EXPRESSLY AGREE THAT THE USE OF THIS WEBSITE AND THE PROGRAM IS AT YOUR SOLE RISK. PROVIDERS EXPRESSLY DISCLAIM ANY REPRESENTATION OR WARRANTY, EXPRESS OR IMPLIED, THAT THE PROGRAM AND THE WEBSITE WILL BE ERROR-FREE, ACTIVE/117927935.2 SECURE, UNINTERRUPTED, OR VIRUS-FREE. THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES ON THE WEBSITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. 
5. TO THE FULLEST EXTENT PERMISSIBLE BY APPLICABLE LAW, THE PROVIDERS DISCLAIM ALL WARRANTIES, EXPRESS AND IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES AND CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, AND THOSE ARISING BY STATUTE OR OTHERWISE IN LAW OR FROM A COURSE OF DEALING OR USAGE OF TRADE. THE INCLUSION OR OFFERING OF ANY PRODUCT OR SERVICE THROUGH THE PROGRAM DOES NOT CONSTITUTE AN ENDORSEMENT OR RECOMMENDATION OF SUCH PRODUCT OR SERVICE BY OPERATOR OR THE PROVIDERS. 
6. THE SUPPLIERS OF PRODUCTS AND SERVICES FOR OPERATOR ARE INDEPENDENT CONTRACTORS AND ARE NOT AGENTS OF OPERATOR. OPERATOR IS NOT LIABLE FOR THE ACTS, ERRORS, OMISSIONS, REPRESENTATIONS, WARRANTIES, BREACHES OR NEGLIGENCE OF ANY SUCH SUPPLIERS OR FOR ANY PERSONAL INJURIES, DEATH, PROPERTY DAMAGE OR LOSS, INCONVENIENCE, LOSS OF ENJOYMENT, MENTAL DISTRESS OR OTHER SIMILAR MATTER, DELAYED DEPARTURE, MISSED CONNECTION, SUBSTITUTION OF ACCOMMODATIONS, TERMINATIONS OF SERVICE, OR CHANGES IN FARES AND RATES, AND/OR CANCELLATION OR DOUBLE BOOKING OF RESERVATIONS OR TICKETS RESULTING THEREFROM. ALL TRAVEL DOCUMENTS ARE ISSUED SUBJECT TO THE TERMS AND CONDITIONS SPECIFIED BY OPERATOR'S SUPPLIERS. 
7. THE PROVIDERS WILL NOT BE RESPONSIBLE OR LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL LOSS, CLAIM, INJURY AND/OR DAMAGE ARISING OUT OF, OR IN ANY WAY CONNECTED WITH, THE USE OF THE PROGRAM OR THE WEBSITE, OR FOR ANY INFORMATION SOFTWARE, PRODUCTS, AND SERVICES OBTAINED THROUGH THE PROGRAM OR THE WEBSITE, OR ANY FAILURE OR DELAY, OR THE PERFORMANCE OR NONPERFORMANCE BY PROVIDERS, WHETHER BASED ON CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE, EVEN IF THE PROVIDERS HAVE BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. 
8. SOME STATES/JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CERTAIN DAMAGES. IF THESE LAWS APPLY TO YOU, SOME OR ALL OF THE ABOVE DISCLAIMERS, EXCLUSIONS, OR LIMITATIONS MAY NOT APPLY TO YOU, AND YOU MAY HAVE ADDITIONAL RIGHTS. 
9. You agree to indemnify, defend, hold harmless, and release the Providers and any merchants participating in the rewards, including any rewards that, after receipt, may be lost, stolen, or destroyed, from any claims, liabilities, obligations, actions, or damages (including reasonable attorneys’ fees) arising out of any breach of the Program, these Terms and Conditions, or any terms provided to you by Your Financial Institution in connection with the Program, by You or by anyone using the Program or Your points, Rewards Point Account, or other Accounts. All participating merchants are in no way affiliated with or responsible for the Program administration. 
10. If any of these Terms and Conditions are determined to be illegal, invalid or otherwise unenforceable by reason of the laws of any state or country in which these terms are intended to be effective, then to the extent and within the jurisdiction in which that term is illegal, invalid or unenforceable, it shall be severed and deleted from these terms and the remaining terms shall survive, remain in full force and effect and continue to be binding and enforceable. 
11. The Program and these Terms and Conditions are subject to the laws of the State of New York, without any reference to its choice of law provisions. 

Other Terms and Conditions 

There are additional terms and conditions associated with the Program and the redemption of rewards points for merchandise, travel, event tickets, activities, and gift cards. Visit the Program website located at www.uChooseRewards.com to view the details of those redemption options and their associated terms and conditions. Additionally, the Pay with Points feature of the Program involves certain participating third -party e-commerce merchants that will accept your rewards points under the Program through such merchant’s own reward redemption programs. Your use of reward points at these participating merchants through Pay with Points is also subject to the terms and conditions of such participating merchants. Visit the Program website located at www.uChooseRewards.com to view the participating merchants in Pay with Points and their associated website links where you can find terms and conditions for the participating Pay with Point merchants. 

You also acknowledge and agree to comply with the Privacy Notice found at www.uChooseRewards.com.

Transactions from lost, canceled, stolen or temporary credit or debit cards; or fraudulent purchases will not earn points. 

For further details about the Program that may be specific to Your Financial Institution, please refer to the FAQs. 

UCHOOSE REWARDS^® PROGRAM REDEMPTION TERMS AND CONDITIONS 

Merchandise Terms & Conditions 

Merchandise orders cannot be canceled once they have been placed through the everblue^® Rewards^® website. Instead, those orders must be returned upon arrival. Please see the Merchandise Return Policies & Process, below, for more information. Merchandise cannot be shipped to PO Boxes. 

Merchandise prices include shipping and handling. Shipping and handling prices are determined at the time of selection and vary based on the number of items in your purchase as well as your selection of standard or expedited shipping speeds. 

When you order merchandise, the physical address selected for delivery must match the address provided to us by your financial institution. In the event you attempt to select an alternative address for your proposed order that does not match the address we have received from your financial institution we will deny your order request. Please contact your financial institution if you would like to place any orders and send to an alternative address so that you can update the address on file. 

Merchandise Return Policies & Process 

Most new, unopened items returned within 30 days of shipment can be returned for either a replacement item or a refund of points. 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 the wrong item. This would be deducted from the amount of points refunded to your account for a return. 

There are some exceptions where 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. 
• 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 the Online Returns Center 
   1. You will need either your order confirmation or shipping document to provide certain information like order number, item number and item name. Providing all requested information will expedite processing. 
2. Please log into your Ever Blue Rewards online account and complete the email “Contact Us” form for additional assistance. 
   1. Within 2-3 business days you will receive an email validating if the item is eligible for return and providing you with return instructions including any applicable shipping labels. 
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 pickup 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 pickup as this is dependent upon the UPS route in the area.
   4. If 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 pick-ups are valid only for returns shipped within the U.S. 
4. Receive Points within 4 weeks after merchandise is received by the everblue Rewards Contact Center 
   1. Eligible everblue Rewards Points will be deposited back to the participant’s account. 
      1. Email notification will be sent once points have been deposited to your account. 
      2. Validate your points return on your everblue Rewards Points Detail page by logging into your online account. 
5. Replacement items are typically shipped within 4 weeks of the merchandise being received by the rewards center. 
   1. All shipping addresses must be within the U.S. and cannot be P.O. boxes. 
   2. If the item is unavailable a refund of everblue Rewards Points will be created. 
      1. Eligible everblue Rewards Points will be deposited back to the participant’s account. 
      2. Email notification will be sent once points have been deposited to your account. 
      3. Validate your points return on the everblue Rewards Points Detail page by logging into your online account. 

Return Guidelines: 

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

Please Note:

• If you do not use the Online Returns Center and choose to work directly with the merchant, the Online Returns Center will not be able to assist you. 
• Merchant direct returns only allow exchanges; return for everblue Rewards Points will not be an option. 
• Online Returns Center provides a traceable, insured return method for high value items. If you choose to work directly with the merchant, we recommend using a traceable U.S.P.S. or UPS shipping method and insure any items valued more than $500. Shipping costs including insurance will be at the participant’s expense.

Backordered Items 

Items which are on back order for more than sixty (60) days may be cancelled due to unavailability; a full refund of points will be processed for the item(s) cancelled. 

Gift Card Terms & Conditions

All physical Gift Card prices include standard shipping and handling (excludes expedited shipping charges). Shipping and handling prices are determined at the time of selection and vary based on the number of cards in your purchase as well as your selection of standard or expedited shipping speeds. 

For orders of physical Gift Card totaling less than $300, you will have the option to ship the Gift Cards either via standard shipping or expedited shipping. Gift Cards shipped with standard shipping will be delivered by the USPS and are sent without tracking. 

Physical Gift Card orders totaling $300 and over automatically require expedited shipping to ensure they are tracked to their destination. This means you will not have the option to ship your Gift Cards via standard shipping. 

Expedited shipping includes an additional fee, which will be funded by your points and is disclosed at check-out. 

Expedited orders cannot be shipped to PO Boxes. These are fraud control measures required by our suppliers. 

When you order Gift Cards (including both physical and digital Gift Cards) the email address or physical address, as applicable, must match the email address or physical address provided to us by your financial institution. In the event you select an alternative email address or physical address for your proposed order that does not match the address we have received from your financial institution we will deny your order request. Please contact your financial institution if you would like to order Gift Cards and send to an alternative address. 

Points redeemed for gift cards ("Gift Cards") offered in connection with everblue Rewards are also subject to everblue Rewards Terms and Conditions located at www.everbluerewards.com with respect to your use of the everblue Rewards services. Additionally, your Gift Cards are subject to and governed by the terms and conditions provided by the issuer of your Gift Card that are presented to you at the time you receive your Gift Card (and are included with your Gift Card) (the “Gift Card Agreement”). Additional information may be available on the issuer’s website or by contacting them directly – please see your Gift Card Agreement for details.

 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 redeemable at only certain retailers and are no longer accepted by such retailers not be exchanged or returned. 

Refunds or replacements for Gift Cards that are lost, stolen, or otherwise destroyed after receipt, used without the intended recipient’s permission, or used in a manner inconsistent with the Gift Card Agreement or any applicable law will be subject to the discretion of the Gift Card issuer. If the Gift Card issuer does not permit refunds or replacements, you will need to reach out to your financial institution and any such refund or replacement will be handled at the discretion of your financial institution. Should a Gift Card not be delivered to the intended recipient within 14 days of the shipping date, please contact customer service at support@support.everbluerewards.com. 

Research will be conducted to determine the appropriate resolution, but in no event will a replacement Gift Card be issued more than 60 days after the original Gift Card shipping date. Please note, lost and non-delivered gift cards are researched for delivery and usage and can take up to 21 days to confirm eligible replacement. 

Redemption of Ever Blue Rewards Points for a Gift Card constitutes acceptance of these terms and conditions. 

Travel Terms & Conditions 

Travel management services are provided by Aspire Loyalty Travel Solutions LLC. and its affiliates (“Aspire”), a service provider to the everblue Rewards Program (“Program”). Aspire acts as a service bureau that provides value added service to retail travel agents and consumers. 

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. 

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. 

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 waitlisting restrictions, reservation validation limitations of up to one year (if any extension permitted, penalties/restrictions may apply); and/or other conditions/restrictions. 

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. 

Refunds/Cancellations of Flight, Hotels and Cars are subject to the applicable travel provider’s terms and conditions.

• Flights: Non-refundable and non-transferable
• Hotels & Other Travel Products: Non-refundable and non-transferable

Booking Windows: Bookings are subject to advance purchase booking windows. The online booking tool will not allow searches within the advance purchase booking window. Advance purchase requirements are as follows: 

• Flights: 5 Day Advance Required 
• Hotels: 5 Day Advance Required 
• Cars: 7 Day Advance Required

Flights 

• All airline purchases are non-refundable and non-transferable. 
• Should you have any questions, contact the airline (operator) directly. All reservations must be made in the exact name of each person traveling. U.S. billing and delivery address, if applicable, are required. It is the customer’s responsibility to review the final amount of reservation prior to ending the booking and making a purchase. 
• When you place travel redemption orders, the email address or physical address, as applicable, must match the email address or physical address provided to us by your financial institution. In the event you select an alternative email address or physical address for your proposed order that does not match the address we have received from your financial institution we will deny your order request. Please contact your financial institution if you would like to place redemption orders and send to an alternative address. 
• You can book up to 9 seats within one transaction; however, there must be more Adult tickets than Children tickets (i.e., 5 Adults and 3 Children). 
• 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. 
• 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. 
• 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. 
• 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. 
• 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.
• 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. 

VACATION RENTALS

1. Vacation Rentals may be booked on the same day. Vacation Rental policies, including refunds and cancellation policies, are displayed on the website for each property. Due to various property rules, date restrictions over high-demand periods, and other special circumstances, property cancellation terms are subject to change at any time prior to purchase. For more information on details specific to the property, please refer to the cancellation policy on the property website or contact the property directly by following the instructions in the order confirmation received at the time of booking. 
2. No shows are non-refundable and will result in a total forfeiture of payment and Points without credit due. 
3. Requests for cancellations or modifications must be completed through the Program for all cancellation or modification requests. Cancellations or modifications handled by the property directly may result in no refund. Vacation Rentals can only be canceled in full. You cannot cancel 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, property cancellation fees may be waived at the discretion of the property. 
5. Policies for children and pets vary by property. Child and pet benefits may be extended should a property 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 property. These include, but are not limited to, resort fees, parking fees, room service, telephone fees, internet usage fees, in-room movies, mini-bar charges, gratuities, babysitting, pet fees and other incidentals. The property will assess these fees, charges, and surcharges upon checkout. Please check with the property for additional information on incidental charges. 
7. Reservations do not include services not specified in the reservation confirmation. 
8. Minimum age for the primary traveler is 18 years of age at time of stay, but some properties have different age requirements for booking.
9. Travel Suppliers will attempt to notify guests of property renovation or refurbishment as reasonably soon as Travel Suppliers are notified by the property; however, the Program and Aspire are not liable if the property has failed to notify you in advance. 
10. 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. 
11. Reservations are restricted to a maximum of 11 months in advance. 
12. Availability of accommodation in the same property for extra guests is not guaranteed. 
13. Check-in hours may be limited depending on the property. Please refer to the Check In & Check Out instructions section of the email confirmation you received at the time of booking. 
14. Instructions for gaining access to the property will vary based on the type of property booked. The Check In & Check Out instructions section of the email confirmation you received at the time of booking will contain this information. 

Hotels and Other Travel Products 

• Packages and tours containing an air component will be subject to policies regarding flights. Hotel requests for specific features (non-smoking, bedding) are not guaranteed by Operator or Supplier. Generally, although not guaranteed, bedding in the U.S. and Canada hotels is as follows: Single consists of a room with one bed; Double consists of a room with either one large bed for two people or two single beds; and Triple/Quad consists of a room with two beds accommodating up to 3-4 people. Requests for rollaway beds and cribs may result in additional charges payable directly to the hotel. Star ratings are for informational purposes only and are not a guarantee or warranty of any kind by Operator. All content of this site is correct, but it is subject to amendment without notice. All content is published in good faith, but Operator cannot guarantee the accuracy of all information provided by suppliers. Operator reserves to the right, in its sole discretion, to cancel any bookings made on this site for Groups and/or charge purchasers credit card for any additional fees and costs related thereto. 
• Most advertised air inclusive package prices are per person, double occupancy and include room, air & all applicable taxes. Hotel only prices are per room including all taxes. Reservations depend on availability of travel products and are subject to confirmation upon payment. Rates do not apply to conventions, and customers using these rates in connection with attending a convention will be assessed additional surcharges and/or Operator may cancel the reservation. Air inclusive package prices include federal segment fees, airport passenger facilities charges (PFCs) of up to $24 per person and September 11th Security Fee of up to $10 per person. Mexico packages include foreign departure taxes, customs fees, immigration fees, airport improvement, agricultural and health fees of up $90 per person. All rates/fees are subject to change without notice. Children rates apply only when sharing a room with two paying adults and/or subject to suppliers’ rules. Additional charges for cribs, rollaway beds, infant car seats and similar special request items will be the responsibility of the guest and will be paid directly to the hotel or rental car agency. Generally, children 15 and under may not travel alone and must be accompanied by an adult. Hotel check-in and other travel product age restrictions may apply. Rates do not include incidentals such as meals and beverages, shows, tours not specifically included in the package, tips, telephone calls, liquor, laundry or other items of a personal nature not otherwise specified in the quoted rates or which are excluded from the price. All personal charges must be paid at the time of service, prior to departure from the hotel, upon return of the rental car, or as designated by supplier. A major credit card or cash deposit may be required upon check-in at the hotel and at time of car rental. 

International Travel 

• U.S. Citizens are required to present at flight check-in a valid U.S. passport. Hospital certificates are not acceptable. Children under the age of 18 years old must present a valid U.S. passport or an original county or state-issued birth certificate or a certified copy of a county or state-issued birth certificate. Hospital certificates are not acceptable. A notarized letter of permission to carry the child outside U.S. borders is required from any legal parent or guardian not traveling with the child. In cases of divorce, the original custody papers verifying full custody to the traveling parent eliminates the need for a notarized letter. Non-US. Citizens may require specific documentation related to their citizenship including a valid passport and visas (requirements vary by country). Visas and other special documents are the responsibility of the traveler including all costs involved. We highly recommend all non-US. Citizens contact the United States State Department directly for documentation requirements required for your country of origin. U.S. citizens and non-U.S. citizens are responsible for obtaining current information regarding entry requirements and security. 
• Travel Supplier is an independent contractor which makes arrangements with third party suppliers for services and accommodations. Travel Supplier is not an agent of the customer, or of other parties providing travel-related services. All travel documents are issued subject to the terms and conditions specified by such suppliers. Neither Travel Supplier nor any of its agents or employees, shall be held liable for, and by accepting these documents customer waives any claim against all such parties for, a) any loss of or damage to property or injury to any person caused by reason of any defect, negligence, or other wrongful act of omission of, or any failure of performance of any kind by any other transportation company, supplier or supplier; b) any inconvenience, loss of enjoyment, mental distress or other similar matter; c)any delayed departure, missed connections, substitutions of accommodations, terminations of service, or changes in fares and rates; and d) any cancellation or double booking of reservations or tickets beyond the control of Travel Supplier. In no event shall Travel Supplier be responsible for any amount other than the lesser of the price paid by the customer for the booking minus any fees charged to Travel Supplier. Travel Supplier reserves the right to accept, decline, retain or remove any person as a member of the tour or package program at any time. All purchases are subject to these Terms and Conditions. The Program does not endorse any particular travel product.

Legal

• LIABILITY AND WARRANTY DISCLAIMER. OPERATOR AND Operators SUPPLIERS/SUPPLIERS MAKE NO WARRANTY OR REPRESENTATION OF ANY KIND, EXPRESS OR IMPLIED, REGARDING THIS SITE AND/OR ANY CONTENT, DATA, SOFTWARE, MATERIALS, INFORMATION, PRODUCTS, SERVICES, AND/OR OPERATION OF THE SITE ALL OF WHICH ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. YOU EXPRESSLY AGREE THAT THE USE OF THIS SITE IS AT YOUR SOLE RISK. WE EXPRESSLY DISCLAIM ANY RESPRESENTATION OR WARRANTY, EXPRESS OR IMPLIED, THAT THE SITE WILL BE ERROR-FREE, SECURE, UNINTERRUPTED, OR VIRUS-FREE. THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES ON THIS SITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. 
• TO THE FULL EXTENT PERMISSIBLE BY APPLICABLE LAW, OPERATOR DISCLIAMS ALL WARRANTIES, EXPRESS AND IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES AND CONDITIONS OF MERCHANTABILITY, FITNESS FOR APARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, AND THOSE ARISING BY STATUTE OR OTHERWISE IN LAW OR FROM A COURSE OF DEALING OR USAGE OF TRADE. THE INCLUSION OR OFFERING OF ANY PRODUCT OR SERVICE ON THIS SITE DOES NOT CONSTITUTE AN ENDORSEMENT OR RECOMMENDATION OF SUCH PRODUCT OR SERVICE. 
• THE SUPPLIERS OF PRODUCTS AND SERVICES FOR OPERATOR ARE INDEPENDENT CONTRACTORS AND ARE NOT AGENTS OF OPERATOR. OPERATOR IS NOT LIABLEFOR THE ACTS, ERRORS, OMISSIONS, REPRESENATIONS, WARRANTIES, BREACHES OR NEGLIGENCE OF ANY SUCH SUPPLIERS OR FOR ANY PERSONAL INJURIES, DEATH, PROPERTY DAMAGE OR LOSS, INCONVENIENCE, LOSS OF ENJOYMENT, MENTAL DISTRESS OR OTHER SIMILAR MATTER, DELAYED DEPARTURE, MISSED CONNECTION, SUBSTIUTION OF ACCOMODATIONS, TERMINATIONS OF SERVICE, OR CHANGES IN FARES AND RATES, AND/OR CANCELLATION OR DOUBLE BOOKING OF RESERVATIONS OR TICKETS RESULTING THEREFROM. ALL TRAVEL DOCUMENTS ARE ISSUED SUBJECT TO THE TERMS AND CONDITIONS SPECIFIED BY Operators SUPPLIERS. IN NO EVENT SHALL OPERATOR BE RESPONSIBLE FOR ANY AMOUNTOTHER THAN THE PRICE PAID BY YOU FOR THE PRODUCT AND/OR OTHER SERVICES. 
• OPERATOR, ITS AGENTS AND/OR EMPLOYEES WILL NOT BE, RESPONSIBLE OR LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL LOSS, CLAIM, INJURY AND/OR DAMAGE ARISING OUT OF, OR IN ANY WAY CONNECTED WITH, THE USE OF THIS SITE, OR FOR ANY INFORMATION SOFTWARE, PRODUCTS, AND SERVICES OBTAINED THROUGH THIS SITE, OR ANY FAILURE OR DELAY, OR THE PERFORMANCE OR NONPERFORMANCE BY OPERATOR OR ITS SUPPLIERS, WHETHER BASED ON CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE, EVEN IF OPERATOR AND/OR ITS SUPPLIERS HAVE BEEN ADVISED OF THE POSSSIBLIITY OF DAMAGES. 
• SOME STATES/JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CERTAIN DAMAGES. IF THESE LAWS APPLY TO YOU, SOME OR ALL OF THE ABOVE DISCLAIMERS, EXCLUSIONS, OR LIMITATIONS MAY NOT APPLY TO YOU, AND YOU MAY HAVE ADDITIONAL RIGHTS. 

Event Tickets Terms & Conditions 

All Ticket redemptions are final. We are unable to process refunds, exchanges or cancellations. Should the event be postponed, tickets will be honored for the rescheduled date. 

General 

This site acts as an intermediary between buyers and ticket brokers to facilitate the purchase and sale of event tickets and as such, is not directly involved in the actual ticket sale transaction between the buyers and ticket brokers. The following are the rules or Terms that govern use of the Web site ("Site") by you, the user of the Site (User). By using or visiting the Site, User expressly agrees to be bound by these Terms and to follow these Terms and all applicable laws and regulations governing the Site. We reserve the right to change these Terms at any time, effective immediately upon posting on the Site. 

Orders 

• Orders through this site will be fulfilled by one of our network of participating brokers. All redemptions are final. Since tickets are a one-of-a-kind item and not replaceable, there are no refunds, exchanges or cancellations. If an event is postponed, tickets will be honored for the rescheduled date. New tickets will not need to be issued. If an event is cancelled without a rescheduled date, User will need to contact the program headquarters for a refund. The Fulfilling Broker may require the User to return the supplied tickets at Users expense before receiving any refund User may be entitled to due to cancellation. Any shipping and handling charges are not refundable. When User receives tickets, User should keep them in a safe place. Please note that direct sunlight or heat may damage tickets. 
• Occasionally tickets ordered may no longer be available at the price or in the quantity originally ordered at the time the order is received. If equivalent or better seat locations are available at the same price, and User has chosen to be automatically upgraded, the Fulfilling Broker will fill the order with the alternative seat locations. If User has not chosen to be automatically upgraded, a representative from the program headquarters may contact User to discuss alternative seat locations. 
• For certain events, tickets may not be available for immediate shipment. In this case, a representative from the program headquarters will contact User with notification of an approximate shipping date. Tickets will be shipped when available. 
• When you order event tickets the email address or physical address, as applicable, must match the email address or physical address provided to us by your financial institution. In the event you select an alternative email address or physical address for your proposed order that does not match the address we have received from your financial institution we will deny your order request. Please contact your financial institution if you would like to order event tickets and send to an alternative address. 

Gift Card Terms & Conditions 

• All physical Gift Card prices include standard shipping and handling (excludes expedited shipping charges). Shipping and handling prices are determined at the time of selection and vary based on the number of cards in your purchase as well as your selection of standard or expedited shipping speeds. 
• For orders of physical Gift Card totaling less than $300, you will have the option to ship the Gift Cards either via standard shipping or expedited shipping. Gift Cards shipped with standard shipping will be delivered by the USPS and are sent without tracking. 
• Physical Gift Card orders totaling $300 and over automatically require expedited shipping to ensure they are tracked to their destination. This means you will not have the option to ship your Gift Cards via standard shipping. 
• Expedited shipping includes an additional fee, which will be funded by your points and is disclosed at check-out. 
• Expedited orders cannot be shipped to PO Boxes. These are fraud control measures required by our suppliers. 
• When you order Gift Cards (including both physical and digital Gift Cards) the email address or physical address, as applicable, must match the email address or physical address provided to us by your financial institution. In the event you select an alternative email address or physical address for your proposed order that does not match the address we have received from your financial institution we will deny your order request. Please contact your financial institution if you would like to order Gift Cards and send to an alternative address. 
• Points redeemed for gift cards ("Gift Cards") offered in connection with the everblue Rewards Program are also subject to the everblue Rewards Terms and Conditions located on the website with respect to your use of these everblue services. Additionally, your Gift Cards are subject to and governed by the terms and conditions provided by the issuer of your Gift Card that are presented to you at the time you receive your Gift Card (and are included with your Gift Card) (the “Gift Card Agreement”). Additional information may be available on the issuer’s website or by contacting them directly – please see your Gift Card Agreement for details. 
• 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 redeemable at only certain retailers and are no longer accepted by such retailers cannot be exchanged or returned. 
• Refunds or replacements for Gift Cards that are lost, stolen, or otherwise destroyed after receipt, used without the intended recipient’s permission, or used in a manner inconsistent with the Gift Card Agreement or any applicable law will be subject to the discretion of the Gift Card issuer. If the Gift Card issuer does not permit refunds or replacements, you will need to reach out to your financial institution and any such refund or replacement will be handled at the discretion of your financial institution. Should a Gift Card not be delivered to the intended recipient within 14 days of the shipping date, please contact customer service at support@customerservice.everblue.com 
• Research will be conducted to determine the appropriate resolution, but in no event will a replacement Gift Card be issued more than 60 days after the original Gift Card shipping date. Please note, lost and non-delivered gift cards are researched for delivery and usage and can take up to 21 days to confirm eligible replacement. 
• Redemption of everblue Rewards Points for a Gift Card constitutes acceptance of these terms and conditions. 

Cash Back Terms & Conditions 

• Statement Credit - For credit card cash back rewards, all cash back is offered in the form of a statement credit to your applicable card account. Statement credits will be made within 5 business days after redemption if your correct account information is provided. The statement credit does not relieve you from your regularly scheduled payment obligations. Cash rewards may have a minimum rewards points requirement; please review your financial institution’s minimum, if applicable, at the cash back redemption webpage. Additional restrictions may apply.
• Redemptions for an Electronic Deposit - For debit card cash back rewards, all cash back is offered in the form of an electronic deposit into your associated debit card account. Electronic deposits will be made within 5 business days after redemption if your correct account information is provided. Cash rewards may have a minimum rewards points requirement; please review your financial institution’s minimum, if applicable, at the cash back redemption webpage. Additional restrictions may apply. 

uChoose Rewards^® Program Privacy Notice 

Last Updated: 16 June 2021 

Effective Date: 16 July 2021 

Privacy Notice 

This uChoose Rewards^® Program Privacy Notice (the “Privacy Notice”) describes how your personal data is handled and the rights and choices available to you in connection with the uChoose Rewards^® Program and its associated fulfillment services (collectively, the “Program”). Fiserv Solutions, Inc. (“Fiserv” or “we,” “us,” or “our”) is providing the Program on behalf of your financial institution, and the information in this Privacy Notice is intended to supplement privacy information that was previously provided to you by your financial institution. [In addition, please also refer to the “Terms & Conditions” found on the Program’s website for more information about your rights and obligations with respect to other issues. 

Fiserv and your financial institution provide separate privacy notices that apply to other products or services, in which case this Privacy Notice does not apply. Where this Privacy Notice applies, we also may provide additional or supplemental privacy notices to individuals at the time we collect their data, which will govern how we may process the information provided at that time. 

I. The personal data we collect 

We may collect several categories of information when you use the Program: 

• Information that we or our service providers collect directly from you, your financial institution, or the parties with which we do business. For example: 
  • Contact information, including name, address, telephone number, and email address; 
  • Profile and identification information, such as username and password, the last four digits of your Social Security Number, and your mother’s maiden name; 
  • Demographic details, such as date of birth and zip code; 
  • Application Information – additional information you provide to us on applications and through other means that will help us determine if you are eligible for services you request; 
  • Financial account information, such as payment card or bank account details, when you enroll in an account with uChoose;  Transaction data, including your rewards account numbers, account balances, payment history, account usage information (e.g., transaction data associated with enrolled cards), accumulated points, and information regarding your rewards redemptions; 
  • Correspondence you send to us. 
• Information we collect from other sources. We and our service providers may collect information about individuals that is publicly available, for example, by searching media and the internet. We and or our third-party verification providers may also collect information from private or commercially available sources. For example, we may obtain consumer report information, such as your credit score and credit history, from consumer reporting agencies. 

We may also maintain pages for our company and our products and services on a variety of third-party platforms, such as LinkedIn, Facebook, Twitter, YouTube, Instagram, and other social networking services. When you interact with our pages on those third-party platforms, the third-party’s privacy policy will govern your interactions on the relevant platform. If the third-party platform provides us with information about our pages on those platforms or your interactions with them, we will treat that information in accordance with this Privacy Notice.

• Information collected via automated means. When you access the Program (e.g. on our websites), we, our service providers, and our partners may automatically collect information about you, your computer or mobile device, and activity on our websites or mobile applications. Typically, this information includes your computer or mobile device operating system type and version number, manufacturer and model, device identifier, browser type, screen resolution, IP address, the website you visited before browsing to our website, general location information such as city, state or geographic area; and information about your use of and actions on or in our websites or mobile applications, such as pages or screens you accessed, how long you spent on a page or screen, navigation paths between pages or screens, information about your activity on a page or screen, access times, and length of access. 

Our service providers and business partners may collect this type of information over time and across third-party websites. This information is collected via various mechanisms, such as via cookies, proxy session ID, and similar technologies. This type of information may also be collected when you read our HTML-enabled emails. 

II. How we use your personal data 

We use and otherwise process the information that we collect for a variety of business purposes, including: 

• Providing and improving our products and services. For example, by: 
  • Operating, evaluating, maintaining, improving, and providing the products and services, such as new Program features and functionality; 
  • Providing support and maintenance for our products and services, including responding to your requests, questions and feedback; conducting analytics; and managing our relationship with you and your financial institution; and 
  • Communicating with you about your account. 
• Research and Development. We use the information we collect for research and development purposes, including to develop and create analytics and related reporting, such as regarding industry and fraud trends. 
• Marketing. For example, we may use your information to form a view on what rewards may be of interest to you. We may also contact you with marketing communications using the information you have provided to us, although you may opt-out of receiving commercial email marketing messages by following the opt-out processes described under “Your rights and choices” below; 
• Compliance, fraud prevention and safety. We use your information to ensure the integrity of our products and services. For example, we may verify your identify; enforce the terms and conditions that govern our products and services; protect our rights, privacy, safety or property, and/or that of you or others; and protect, investigate and deter against fraudulent, harmful, unauthorized, unethical or illegal activity. 
• Complying with law. We use your information to comply with applicable laws, lawful requests and legal process, such as to respond to subpoenas or requests from government authorities. 
• To create anonymous or de-identified data. We may create anonymous or de-identified data from your personal data and other individuals whose personal data we collect. Information that no longer identifies you is not covered by this Privacy Notice. 
• As otherwise authorized by you. 

III. How we share your personal data 

We are committed to maintaining your trust, and we want you to understand when and with whom we may share the information we collect. 

• Our clients. When we perform services for our clients, such as your financial institution, we may share your information with those entities. We are not responsible for the privacy practices of our clients. 
• To effectuate rewards and other transactions. We share your information with companies to effectuate rewards and transactions you request. For example, we may share your information with redemption partners as necessary to allow for redemption of points and other rewards. We also may share information with redemption partners (e.g. e-commerce or online marketplace providers which have their own points and redemption platforms), third-party wallet, or similar platform providers to allow you to redeem rewards points through their platforms. 
• Affiliated companies. We may disclose your personal data to our subsidiaries and corporate affiliates for purposes consistent with this Privacy Notice. 
• Service providers. We may employ third party companies and individuals (possibly including parties outside of the United States) to administer and provide services on our behalf, for example, to provide customer support or IT systems, or to calculate the redemption points that you have earned. These third parties may use your information only as directed by us and in a manner consistent with this Privacy Notice, and are prohibited from using or disclosing your information for other purposes. 
• Credit reference, fraud protection, risk management, and identity and verification agencies. We share personal data with credit reference, fraud protection, risk management, and identity verification agencies to help guard against, detect, and respond to fraud or money laundering, and/or manage our or our clients’ risk, and ensure we comply with contractual, legal, or regulatory requirements. 
• Compliance with laws and law enforcement; protection and safety. We may disclose information about you to government or law enforcement officials (including tax authorities) or private parties as required by law, and disclose and use such information as we believe necessary or appropriate to (a) comply with applicable laws and lawful requests and legal process, such as to respond to subpoenas or requests from government authorities; (b) enforce the terms and conditions that govern our products and services; (c) protect our rights, privacy, safety or property, and/or that of you or others; and (d) protect, investigate and deter against fraudulent, harmful, unauthorized, unethical or illegal activity. 
• Professional advisors. We may disclose your information to professional advisors, such as lawyers, bankers, auditors and insurers, where necessary in the course of the professional services that they render to us. 
• Business transfers. We may sell or transfer some or all of our business or assets, including your information, in connection with a business transaction (or potential business transaction) such as a merger, consolidation, acquisition, reorganization or sale of assets or in the event of bankruptcy, in which case we will make reasonable efforts to require the recipient to honor this Privacy Notice. 
• To other parties with your permission or to fulfill a contract they have with you. We may transfer your information to any third party who is not otherwise covered by this Notice where you have given us permission to do so, or with whom you have entered into a contract when we need to transfer your information to that party in order to fulfil that contract. 
• As otherwise authorized by you. 

IV. Your rights and choices 

The following options are available to you: 

• If you have any questions about this Privacy Notice or the privacy of your information, you may contact Fiserv via email at the following address: CSprivacypolicy@fiserv.com. 
• If you believe that Program records contain inaccurate or incomplete information about you, please notify your financial institution to correct any inaccuracies. 
• If at any time you would like to stop receiving uChoose Rewards marketing and promotional email messages, you may go to the uChoose Rewards “Profile” page and change your email preference. Alternative instructions may also appear in individual messages that you receive. 
• If you would like to stop the sharing of your personal information as described in this Privacy Notice, you may contact your financial institution and ask to be removed from the Program. 

Additionally, to the extent required by law, you may be entitled to request access to, deletion of, and portability of your information or more information about our information practices. Requests should be submitted by your or an authorized agent in writing as set out in the “Contact Information” section below. If you make a request, you will be asked to provide sufficient information to allow us to reasonably verify that the individual is the person about whom we collected information. These rights are not absolute, and we may decline your request as permitted by applicable laws. 

V. How we keep your data safe 

We have put in place appropriate security measures to prevent your personal data from being accidentally lost, used or accessed in an unauthorized way, altered or disclosed. In addition, we limit access to your personal data to those employees, agents, contractors and other third parties who have a business need to know. However, you should understand that no data storage system or transmission of data over the Internet or any other public network can be guaranteed to be 100 percent secure, accurate, complete, or current. Please note that information collected by third parties may not have the same security protections as information you submit to us, and we are not responsible for protecting the security of such information. 

We have put in place procedures to deal with any suspected personal data breach and to notify you and any applicable regulator of a breach where we are legally required to do so. 

VI. Your acceptance of these terms 

By using the uChoose Rewards Program, you signify your acceptance of our Privacy Notice. If you do not agree with this Notice, please withdraw from the Program and do not use the website or other Program services. In all cases, your continued use of our products or services after the posting of any modified Privacy Notice indicates your acceptance of the terms of the modified Privacy Notice. 

VII. Changes to this Privacy Notice 

We may modify this Privacy Notice from time to time. When we update the Privacy Notice, we will revise the “Effective Date” date above and post the new Privacy Notice on this website. We recommend that you review the Privacy Notice each time you access or use the Program to stay informed of our privacy practices. 

VIII. Compliance with applicable laws 

We comply with applicable laws and regulations pertaining to information about you, including U.S. federal laws pertaining to “nonpublic personal information” and “consumer report information.” 

IX. Contact us 

If you have any questions about this Privacy Notice or our practices, please email us at CSprivacypolicy@fiserv.com.