Orange Bank &
Trust Company
Executive Business Charge Card
EXECUTIVE BUSINESS CHARGE CARD CARDHOLDER
AGREEMENT AND DISCLOSURE
In this Agreement, “We” “Us“ ”Our” and “Bank” mean
Orange Bank & Trust Company. “You” and “Your” mean each person who signs an application for, or otherwise
requests, a credit card account with Us. “Account” means Your Credit Card account with Us to which the Card(s)
are linked. “Card” means each Credit Card linked to the Account that we have issued to you. “Agreement” means
this Agreement. “Purchase(s)” means a purchase of goods and/or services from participating merchants who accept
Mastercard®. “Transaction” means any amount of credit obtained under Your Account for
Purchases, Advances, and Balance Transfers. “Finance Charge” means the charge associated with using the credit.
“Outstanding Balance” means the total dollar amount of your obligation under this Agreement for all
Transactions, interest, finance charges, fees, and any other costs. “Advances” is defined in the section
captioned “Using the Card”. “Credit Limit” is defined in the section captioned “Credit Limit”.
RESPONSIBILITY
By applying for or Using the Card, You accept, agree
to, and are bound by this Agreement. You promise to do everything this Agreement requires of You and You promise
to pay all amounts due on Your Account. Your obligation to pay the Outstanding Balance continues even though an
agreement, divorce decree or other court judgment to which we are not a party may direct you or one of the other
persons responsible to pay the account. You agree to pay each and all of the interest, fees and charges
described in this Agreement.
AUTHORIZED USER
If You or Your Joint Account holder lets someone
else Use the Account (“Authorized User”), You and any Joint Account holder are responsible for all Transactions
made by that person, whether or not You have notified Us that the person will be Using Your Account and whether
or not the amount of the actual use exceeds Your permission or was made for Your benefit. An Authorized User
will not be responsible for paying the balances due on Your Account. You agree not to allow access to the
Account to anyone who is not an Authorized User. You are responsible for any Account transactions made by You or
anyone whom You are deemed to have authorized by (a) lending Your Card to, or allowing Account access by another
person; or (b) any other way in which You would be legally considered to have allowed another person to use Your
Account or to be legally prevented from denying that You did so. You cannot disclaim responsibility for these
charges by notifying us, but if you write us at the address or call us at the telephone number shown on your
billing statement and return all Cards to Us, We will close Your Account for new Transactions.
GOVERNING LAW
This Agreement is made in New York and shall be
governed by the laws of the State of New York to the extent that New York law is not inconsistent with
controlling Federal law. New York's choice of law rules shall not be applied if that would result in the
application of non-New York Law.
ENFORCEMENT
You agree to be liable to Orange Bank & Trust
Company for any liability, loss, or expense as provided in this Agreement that the Bank incurs as a result of
any dispute involving your accounts or the services. You authorize Orange Bank & Trust Company to deduct any
such liability, loss, or expense from your account without prior notice to you. In the event either party brings
a legal action to enforce the Agreement, the prevailing party shall be entitled, subject to applicable law, to
payment by the other party of its reasonable attorney’s fees and costs, including fees on any appeal, bankruptcy
proceedings, and any post-judgment collections actions, if applicable.
SEVERABILITY
If any term of this Agreement is to any extent
invalid, illegal, or incapable of being enforced, such term shall be excluded to the extent of such invalidity,
illegality, or unenforceability; all other terms hereof shall remain in full force and effect.
CREDIT LIMIT
We will established a revolving line of credit for
You and will notify You of the credit limit when we issue the Card. You shall not allow Your Outstanding Balance
to exceed Your Credit Limit. However, if you exceed Your Credit Limit, You are still responsible to pay the
Outstanding Balance to Us. Notwithstanding a higher Credit Limit, We do not give up any of our rights under this
Agreement and we can require that you immediately pay to
us any amount in excess of Your
Credit Limit. We may establish a maximum cash advance amount that is less than Your Credit Limit. This cash
advance limit is deemed to be the “Cash Limit”. Each payment you make on the Account will restore the Credit
Limit by the amount of the payment, unless you are over Your Credit Limit. At Our sole discretion, We may wait
to restore Your Credit Limit until we have actually collected the funds you have submitted to us in payment. If
You are over the Credit Limit, You must pay the amount you are over before payments will begin to restore the
Credit Limit. You may request an increase in the Credit Limit only by a method acceptable to Us that we
communicate to you. We can increase or decrease the Credit Limit at any time for any reason and we can refuse to
make a Transaction (without prior notice) at any time for any reason not prohibited by law. We are not
responsible for any losses if a Transaction is declined for any reason, either by us or someone else, even if
you have credit availability.
USING THE CARD
You understand that the Use of Your Card will
constitute acknowledgment of receipt and agreement to the terms of this Agreement. To make a purchase You and
any authorized user may Use the Card by presenting it to a participating Mastercard merchant or provide the Card
information for purchases not made in person. To make a cash advance, there are two alternative procedures to be
followed. One is for you and any authorized signer to present the Card to a participating Mastercard merchant,
to us or to another financial institution, and sign the sales or cash advance draft which will be imprinted with
Your Card. The other is to complete the transaction by Using Your Personal Identification Number (PIN) in
conjunction with the Card in an Automated Teller Machine or other type of electronic terminal that provides
access to the Mastercard system. You may make cash withdrawals that total $500.00 per day either individually or
in aggregate. This service may not be available at all machines. Dollar amounts available may vary between
machines. Your Account will be used exclusively for business, commercial agricultural or organization purposes
and not for personal, family or household purposes.
PERSONAL IDENTIFICATION NUMBER (PIN)
If applicable, you may be requested to change Your
PIN from time to time as instructed by the Bank. You agree that you will not disclose, and will prevent the
disclosure of, Your PIN. If the confidentiality of the PIN is compromised, you shall notify us immediately. You
assume sole responsibility for maintaining the PIN.
LIABILITY FOR UNAUTHORIZED USE
You may be liable for unauthorized Use of Your Card.
You must notify Us immediately of the loss, theft, or unauthorized Use of Your Card, in writing at: 212 Dolson
Avenue Middletown, NY 10940 or orally at 845-341- 5000. You will not be liable for unauthorized Use that occurs
after you notify us of the loss, theft, or unauthorized Use. For business Accounts in which less than 10 Cards
have been issued, your liability for unauthorized Use of a Card will not exceed $50. If 10 or more Cards are
issued for use by employees of the Company, there is no limit to your liability for unauthorized use that occurs
before you notify us as provided herein.
MONTHLY PAYMENT
We will mail you a statement every month showing
your previous balances of purchases and cash advances, the current transactions on Your Account, the remaining
credit available under your credit limit, the new balances of purchases and cash advances, the total new
balance, the finance charge due to date, and the minimum payment required. Every month you must pay the amount
due within 25 days of your statement closing date. In addition, at any time your total new balance exceeds your
credit limit, you must immediately pay the excess upon our demand. Payments made to Your Account will be applied
in the following order: finance charges, fees, purchases, and cash advances. We may accept checks marked
“payment in full” or with words of similar effect without losing any of our rights to collect the full balance
of Your Account with Us.
FINANCE CHARGE
HOW TO AVOID
PAYING INTEREST ON PURCHASES
Your due date is at least 25 days after the close of
each billing cycle. We will not charge you any interest on purchases if you pay your entire new balance by the
due date each month.
HOW WE WILL CALCULATE YOU’RE BALANCE
We Use a method called “Average Daily Balance”
(including new purchases).
INTEREST CHARGE CALCULATION METHODS AND COMPUTATION
OF AVERAGE DAILY BALANCE
The Interest Charge Calculation
Method applicable to your account for Cash Advances and Credit Purchases of goods and services that you obtain
through the use of your card is specified and explained below:
Explanation of interest charge for Cash Advance
Plans, and Balance Transfers: Cash Advance Plans - Average Daily Balance (including current transactions). The
Interest Charge on cash advances begins from the date you obtained the cash advance, or the first day of the
billing cycle in which it is posted to your account, whichever is later. There is no grace period provided for
current cycle transactions.
Retail/Purchase Plans: Average Daily Balance
(excluding current transactions). To avoid incurring an additional Interest Charge on the balance of purchases
reflected on your monthly statement and on any new purchases appearing on your next monthly statement, you must
pay the New Balance shown on your monthly statements on or before the Payment Due Date. The grace period for the
New Balance of purchases extends to the Payment Due Date.
The Interest Charges for a billing cycle are
computed by dividing the Annual Percentage Rate (APR) by 365 or 366 (leap year) and applying to the
"average daily balance". To get the average daily balance, we take the beginning balance of your
account each day, subtract any payments, credits, non-accruing fees, and unpaid Finance Charges. We do not add
in any new purchases. This gives us the daily balance. Then we add up all the daily balances for the billing
cycle and divide the total by the number of days in the billing cycle.
Payment Crediting and Credit Balance: Payments
received at the location specified on the front of the statement after the phrase" MAKE CHECK PAYABLE
TO" will be credited as of the date of receipt to the account specified on the payment coupon. Payments
received at locations other than the address specified or payments that do not conform to the requirements set
forth on or with the periodic statement (e.g. missing payment stub, payment envelope other than as provided with
your statement, multiple checks or multiple coupons in the same envelope) may be subject to delay in crediting,
but shall be credited within five days of receipt. If there is a credit balance due on your account, you may
request, in writing, a full refund. Submit your request to the address indicated on the front of this statement
after the phrase "SEND INQUIRY TO".
By sending your check, you are authorizing the use
of the information on your check to make a one-time electronic debit from the account on which the check is
drawn. This electronic debit, which may be posted to your account as early as the date your check is received,
will be only for the amount of your check. The original check will be destroyed, and we will retain its image in
our records. If you have questions please call the customer service number on the front of this billing
statement.
Closing Date: The closing date is the last day of
the billing cycle; all transactions received after the closing date will appear on your next statement. Annual
Fee: If an annual fee is applicable to your account, you may avoid paying this annual fee by sending a written
notification of termination within 30 days following the mailing date of your bill, to the address found at the
top of the first page of your bill. You may use your card(s) during this 30- day period but immediately
thereafter must send your card(s), which you have cut in half, to this same address.
VARIABLE RATE
Your Account is subject to a Variable Rate. Your
Annual Percentage Rate (APR) may increase (or decrease) if our index, the Wall Street Journal (WSJ) Prime Rate
in effect on the 10th of each month increases (or decreases). When a range of rates is published in the WSJ on
that day, the index will be the highest rate. If the 10th falls on a day the WSJ does not publish, we will
identify the U.S. Prime Rate published on the last publishing day preceding the 10th day of the month. The Prime
Rate is effective the first full statement cycle following the change in the Prime Rate. The new index rate is
added to the margin to calculate the Annual Percentage Rate. The Annual Percentage Rate, when changed, affects
your entire balance. The Annual Percentage Rate will never be more than the rate ceiling allowed by New York
State Law.
PENALTY RATE
A Penalty APR of 24.99% (Daily Periodic Rate of
.06847%) will apply to all balance categories instead of the introductory APR or regular APRs if You fail to pay
the Minimum Monthly Payment within 60 days after its due date. If You promptly remedy the default, Your Account
will return to the regular APRs for each balance after 6 consecutive cycles in which Your Account is deemed
current and is not in default. Otherwise, Your APRs will remain at 24.99% (Daily Periodic Rate of .06847%) until
Your Outstanding Balance is paid in full. The APR increase will occur regardless of whether we exercise any
other right or remedy permitted under this Agreement or by law for your default.
AMENDMENT OF AGREEMENT
To the extent allowed by law, we
may change the terms of this Agreement from time to time, regardless of whether you have access to Your Account,
by adding, deleting, or modifying any provision (an “Amendment”). Once amended, any reference to Your
“Agreement” will mean the Agreement as modified by the Amendment. Our right to add, delete, or modify provisions
includes financial terms, such as the APRs and fees, and any other terms including, for example, the nature,
extent, and enforcement of the rights and obligations You or We may have relating to this Agreement. Notice of
any change will be given in accordance with applicable law. The Amendment will become effective on the effective
date stated in the notice. Use of Your Card after receiving notice of a change will further evidence your
agreement to the change. If permitted by law and unless otherwise specified in the notice to you, the change
will apply to Your Outstanding Balance as Well as to future transactions. If you give us written notice that you
do not agree to the change, we will terminate Your Account and you will be permitted to pay the Outstanding
Balance as of the effective date under the terms of the Agreement governing Your Account at the time our notice
was given. If You Use Your Card after the effective date of the Amendment, You will be considered to have agreed
to the new terms even if you have sent us such written notice.
RETURNS AND ADJUSTMENTS
Merchants and others who honor the Card may give
credit for returns or adjustments, and they will do so by sending us a credit, which we will post to Your
Account. If your credits and payments exceed what you owe Us, We will hold and apply this credit balance against
future purchases and cash advances, or if it is one dollar or more, refund it on your written request or
automatically after 6 months.
FEES AND CHARGES
Late Charges: You
must pay a late charge if any Minimum Monthly Payment is overdue. If you fail to make any minimum payment
within 25 days of the statement date, a late fee will be imposed of $25. We add the late charge to your
purchase balance.
Returned Payment Fee: We will
charge you a returned item fee whenever your payment is returned to us for insufficient funds or any other
reason. You must pay a returned item fee of $35. We add the charge to your purchase balance as of the date
of dishonor.
Cash Advance Fee: If you obtain a
cash advance, you must pay a cash advance fee of five percent (5%) of the value of the cash that is
advanced, subject to a $10 minimum fee. We add the fee to your cash advance balance as of the Transaction
date. Cash advance transaction fees will be added to the cash advance balance on your account.
Balance Transfer Fee: If you obtain
a balance transfer, you must pay a balance transfer fee of three percent (3%) of the value of the
transferred balance, subject to a $50 minimum fee. We add the fee to your balance transfer balance as of the
Transaction date. We may decline balance transfer requests under certain circumstances. For example, if the
Account is delinquent or over limit, we may decline to process a request for balance transfer. If we do, we
will notify you. The balance transfer limit, including all applicable fees, may not exceed the value of the
Account’s available credit limit. If the total balance transfer amount you request exceeds the value of the
available credit limit, you authorize us to send either full or partial payment to your creditors in the
order you provide them to us.
A credit card balance transfer can only be used to
pay off an existing credit card balance with another financial institution. It cannot be used to pay off a loan
or line of credit or another debt held by Orange Bank & Trust Company or its affiliates.
Over The Credit Limit Fee: If your
outstanding balance exceeds your credit limit, you must pay a $35.00 fee.
Foreign Transactions:
Purchases and
cash advances made in foreign countries and foreign currencies will be billed to you in U.S. dollars. The
conversion into dollars will be made in accordance with the operating rules for international transactions
established by Mastercard and may occur on a date other than the date of the transaction; therefore, the
currency conversion rate may be different than the rate in effect at the time of the transaction. We do not
determine the currency conversion rate that is used nor do we receive any portion of the currency conversion
rate. You agree to pay the converted amount. The exchange rate to dollars will be a rate that is in effect
for the applicable central processing date and is selected either from the range of rates available in
wholesale currency markets; or the government mandated rate. A Foreign Transaction Fee
of 1% of the transaction amount will be assessed
and will be shown independently of the transaction on your billing statement.
Expedited Card Fee: If you request
that we expedite the delivery of a replacement Card, You must pay an Expedited Card Fee of $35.
Administrative Fees: We may charge
you for copies of billing statements, sales drafts or other records or for special services you request. We
will not charge you for copies of documents you request for a billing dispute you assert against us under
applicable law. These charges may change from time to time and will be added to your purchase balance as of
the date of the request.
FEE LIMITATIONS
We will not charge you a Late Payment Charge or
Returned Check Fee that exceeds the amount of the associated payment/check. For example, if Your Minimum Monthly
Payment amount is $20 and you make a late payment, you will be charged a $20 Late Payment Charge.
STATUTORY LIEN AND SECURITY
INTEREST
If you are in default on any
financial obligation, federal law permits us to enforce a statutory lien and security interest on all accounts
in which you have an ownership interest by transferring funds from these accounts to satisfy your obligations.
We may also restrict access to these accounts. This security interest does not apply to the extent
it otherwise violates federal law, to any Individual Retirement Account, or any other account that would lose
special tax treatment under state or federal law if given as security.
DEFAULT
You will be in default if:
-
You fail to make any
minimum payment within 25 days of Your statement date;
-
You fail to live up to
the terms and conditions of this Agreement;
-
Your creditworthiness is
impaired;
-
You die, become
insolvent, or are the subject of Bankruptcy or receivership proceedings;
-
You have made a
misrepresentation in connection with the Card application and/ or this Agreement, or;
-
You are in default on
any other loan with us.
If you are in default, we have the
right to terminate this Agreement and demand immediate payment of your full Account balance, subject to our
giving you any notice required by law. To the extent permitted by law, you will also be required to pay our
collection expenses, including court costs and reasonable attorney fees.
CREDIT REVIEW AND RELEASE OF
INFORMATION
You authorize ORANGE BANK & TRUST COMPANY to
investigate and evaluate Your Business and Personal credit standing when opening or reviewing Your Account and
agree to immediately notify us should there be any adverse change in your credit or financial condition. You
further agree that the information you provide to us on your application may be re-investigated or re-evaluated
at any time. We may request updated credit bureau reports and may or may not ask you to provide annual financial
statements, tax returns, or other credit- related information. You authorize ORANGE BANK & TRUST COMPANY to
disclose information regarding Your Account to credit bureaus and creditors who inquire about your standing.
NO WAIVER
We can delay enforcing any of our rights any number
of times without losing them.
STATEMENTS
Statements and notices will be mailed to you at the
most recent address given to us. Notice sent to any one of you will be considered notice to all. The monthly
statement will identify the merchant, electronic terminal or
financial institution at which
transactions were made, but sales, cash advance, credit, or other slips cannot be returned with the statement.
You should retain the copy of such slips furnished at the time of the transaction in order to verify the monthly
statement.
CHANGING YOUR BILLING ADDRESS
You must notify Us immediately if you change the
mailing address where we send billing statements or if you changed the email address to which we send notice
that your billing statement is available. We may update your account if we receive information that it has
changed or is incorrect.
CLOSING YOUR ACCOUNT
You may close your account by calling us or writing
to us. If an Annual Fee applies, we will refund this fee if you notify us that you are voluntarily closing your
Account within 30 days of the closing date of the billing statement on which that fee appears. For cancellations
after this 30 day period, the annual fee is non-refundable.
CANCELLING OR SUSPENDING YOUR ACCOUNT
We may cancel your Account; suspend the ability to
make payments; cancel or suspend any feature on your Account; and notify merchants that your Account has been
cancelled or suspended. If we do any of these, you must still pay us for all charges under the terms of this
agreement. We may do any of these things at our discretion, even if you pay on time and your Account is not in
default.
If your Account is cancelled, you must destroy your
cards. If we do this, we may reinstate any additional cards issued on your Account; charge you any applicable
annual fees; and charge you a fee for reinstating the Account.
AUTOMATIC PAYMENT SERVICE
If you requested to have Your Card payment made
automatically, your payment will be made 25 days after the statement print date. If the payment date falls on a
Weekend or holiday, the payment will be made the next processing day. Payments will be based on the ending
balance from the previous month’s statement. If you wish to cancel this service, your autopay amount will pull
as scheduled for the current due date. The cancellation will take effect with next credit card statement cycle
when the new outstanding balance is calculated.
ILLEGAL USE OF FINANCIAL SERVICES
Any financial service provided by the Bank may be
used for any transaction permitted by law. You agree that illegal Use of any financial service will be deemed an
action of default and/or breach of contract and such service and/or other related services may be terminated at
our discretion. You further agree, should illegal Use occur, to waive the right to sue us for such illegal
activity directly or indirectly related to it. You also agree to indemnify and hold the Bank harmless from any
suits or other legal action or liability, directly or indirectly, including Bank expenses associated with
defense of such law suits or other legal action, including attorney fees, resulting from such illegal Use.
BLOCKING CARDS AND/OR REFUSAL TO AUTHORIZE
TRANSACTIONS
We may block this Card due to the appearance of
unusual spending behaviors or block transactions originating in certain domestic or international regions where
there is a high volume of fraud.
INTEGRATED DOCUMENTS
Any separate sheet of paper, which is delivered to
you with this Agreement, is an integrated part of this Agreement and Disclosure.
YOUR BILLING RIGHTS - KEEP THIS NOTICE FOR FUTURE
USE
This notice tells you about your rights and our
responsibilities under the Fair Credit Billing Act.
WHAT TO DO IF YOU FIND A MISTAKE ON YOUR STATEMENT
If you
think there is an error on your statement, or if you need more information about a transaction on your account,
write to us as soon as possible at:
Orange Bank &
Trust Company 212 Dolson Avenue
Middletown, NY 10940
You may also contact via email at cards@orangebanktrust.com.
In Your letter, give us the following
information:
-
Account information: Your name and
account number.
-
Dollar amount: The dollar amount of the
suspected error.
-
Description of problem: If you think
there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake.
You must contact us:
-
Within
60 days after the error appeared on your statement.
-
At least 3 business days before an
automated payment is scheduled, if you want to stop payment on the amount you think is wrong.
You must notify us of any potential errors in
writing or electronically. You may call us, but if you do we are not required to investigate any potential
errors and you may have to pay the amount in question.
What Will Happen After We Receive Your Letter?
When we receive your letter, we must do two things:
-
Within 30 days of receiving your letter,
we must tell you that we received your letter. We will also tell you if we have already corrected the
error.
-
Within 90 days of
receiving your letter, we must either correct the error or explain to you why we believe the bill is
correct.
While we investigate whether or not there
has been an error:
-
We cannot try to collect the
amount in question, or report you as delinquent on that amount.
-
The charge in question may remain
on your statement, and we may continue to charge you interest on that amount.
-
While you do not have to pay the
amount in question, you are responsible for the remainder of your balance.
We can apply any
unpaid amount against your credit limit. After we finish our investigation, one of two things
will happen:
-
If we made a mistake: You will
not have to pay the amount in question or any interest or other fees related to that amount.
-
If we do not believe there was a
mistake: You will have to pay the amount in question, along with applicable interest and fees.
We will send you a statement of the amount you owe
and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe.
If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling
us that you still refuse to pay. If you do so, we cannot report you as delinquent without also reporting that
you are questioning your bill. We must tell you the name of anyone to whom we reported you as delinquent, and we
must let those organizations know when the matter has been settled between us.
If we do not follow all of the rules above, you do
not have to pay the first $50 of the amount you question even if your bill is correct.
YOUR RIGHTS IF YOU ARE
DISSATISFIED WITH YOUR CREDIT CARD PURCHASES
If you are dissatisfied with the goods or services
that you have purchased with Your Card, and You have tried in good faith to correct the problem with the
merchant, you may have the right not to pay the remaining amount due on the purchase. To Use this right, all of
the following must be true:
-
The purchase must have
been made in your home state or within 100 miles of your current mailing address, and the purchase price
must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an
advertisement we mailed to you, or if we own the company that sold you the goods or services.)
-
You must have Used Your
Card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses Your
Card Account do not qualify.
You must not yet have
fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the
purchase, contact us in writing at:
Orange Bank & Trust Company 212 Dolson Avenue
Middletown, NY 10940
You may also contact via email at cards@orangebanktrust.com.
While we investigate, the same rules apply to the disputed amount as discussed above. After we
finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and
you do not pay, we may report you as delinquent.
Mastercard and the circles design are
registered trademarks of Mastercard International Incorporated.
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 Orange Bank & Trust Company, and You for Your
participation in the uChoose Rewards Program.
These Terms and Conditions relate only to the uChoose Rewards Program as offered
by Operator on behalf of Orange
Bank & Trust Company. Your Account agreement provided by Orange Bank &
Trust Company, which is a separate
document, outlines the terms and conditions for your Account and associated card
that You have with Orange Bank
& Trust Company.
(ii) update, amend or terminate these Terms and Conditions in whole or in part.
Changes may affect outstanding
transactions and points.
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.
Transactions from lost, canceled, stolen or temporary credit or debit cards; or
fraudulent purchases will not earn
points.
Merchandise orders cannot be canceled once they have been placed through the
uChoose 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 Fiserv
Solutions, LLC by Orange Bank & Trust Company. In the event you attempt to
select an alternative address for
your proposed order that does not match the address we have received from Orange
Bank & Trust Company we will
deny your order request. Please contact Orange Bank & Trust Company if you
would like to place any orders and
send to an alternative address so that you can update the address on file.
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:
Also, items that are opened, used or shipped more than 30 days ago may not be
eligible for an exchange or refund.
Some product lines have special restrictions or return policies. Review the table
below to understand the returns
policy for the various product lines.
-
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 uChoose 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.
Travel Terms & Conditions
All redemptions from the Travel section are final. We
are unable to process refunds,
exchanges or
cancellations.
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.
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You can book up to 8 seats within one transaction; however, there must be
more Adult tickets than Children
tickets (i.e., 5 Adults and 3 Children).
VACATION RENTALS
-
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.
-
No shows are non-refundable and will result in a total forfeiture
of payment and Points without
credit due.
-
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.
-
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.
-
Policies for children and pets vary by property. Child and pet
benefits may be extended should a
property offer them.
-
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.
-
Reservations do not include services not specified in the
reservation confirmation.
-
Minimum age for the primary traveler is 18 years of age at time
of stay, but some properties have
different age requirements for booking.
-
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.
-
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.
-
Reservations are restricted to a maximum of 11 months in advance.
-
Availability of accommodation in the same property for extra
guests is not guaranteed.
-
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.
-
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.
-
OPERATOR is an independent contractor which makes arrangement with third
party suppliers for services and
accommodations. OPERATOR 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 OPERATOR 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 OPERATOR. In no event shall OPERATOR be responsible for any
amount other than the lesser of the
price paid by the customer for the booking minus any fees charged to
Operator. OPERATOR 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. Operator 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 networks 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 Fiserv Solutions, LLC by Orange
Bank & Trust Company. In the
event you select an alternative email address or physical address for your
proposed order that does not match the
address Fiserv Solutions, LLC have received from Orange Bank & Trust Company
we will deny your order request.
Please contact Orange Bank & Trust Company if you would like to order event
tickets and send to an alternative
address.
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 Fiserv
Solutions, LLC by Orange Bank &
Trust Company. In the event you select an alternative email address or physical
address for your proposed order that does not match the address Fiserv Solutions, LLC
received from Orange Bank & Trust
Company we will deny your order request. Please contact Orange Bank & Trust
Company 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 uChoose Rewards Program are also subject to the uChoose
Rewards Terms and Conditions located
at (www.uChooseRewards.com) with respect to your use of the
uChoose 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.
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@customerservice.uChooseRewards.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 uChoose Rewards Points for a Gift Card constitutes acceptance of
these terms and conditions.
To help the government fight the funding of terrorism and money laundering activities, Federal Law requires all financial institutions to obtain, verify and record information that on personal accounts identifies each person who opens an account. In addition, on Legal Entity accounts, we will require identification on beneficial owners and one individual that has significant managerial responsibility for the Legal Entity.
What this means for you: When you open an account we will ask for your name, address, date of birth, identification number (social security number or employer identification number), non US tax payer identification number and other information that will allow us to identify you. We will also ask to see your driver’s license or other identifying documents.
A corporation, partnership, trust or other legal entity may need to provide other information, such as its principal place of business, local office, employer identification number, certified articles of incorporation, government-issued business license, a partnership agreement or a trust agreement.
What happens if the information requested is not provided or the identity can’t be verified? You may not be able to open an account or carry out transactions. If the account is already opened, we may have to close it.
We proudly support all efforts to protect and maintain the security of our customers and our community.
