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Reward Points Agreement

Member Rewards Terms and Conditions

I.       Description of the Program

a.     The Member Rewards program (“Program”) is a service provided by University of Virginia Community Credit Union (“Sponsor”) and managed by ampliFI Loyalty Solutions, LLC (“Administrator”).

b.     Participation in the Program is exclusive to those who have a current credit card issued by the Sponsor (“Rewards Card”). These individuals are referred to herein as “Cardholders.”

c.     The Sponsor reserves the right to disqualify any Cardholder from participation in the Program and invali­date all Points for abuse, fraud, or a violation of the Program Terms and Conditions. The Sponsor may make such a determination in its sole discretion.

d.     The Program is void where prohibited by federal, state, or local law.

e.     The Sponsor and the Administrator are not responsible for typographical errors and/or omissions in any program document.

f.       The Sponsor and the Administrator reserve the right to change the Terms and Conditions of the Program as well as the point requirements for a reward under the Program. At the Sponsor’s option, the redemp­tion of Points may be restricted, limited, or cancelled at any time without prior notice.

g.     Eligibility in the program is restricted to individuals who have a statement address within the 50 United States, the District of Columbia or any U.S. Possession or Territory.

h.     The Program’s Privacy Policy is available at the Program’s website address as set forth at the bottom of each page of these Terms and Conditions.

i.       The Sponsor and the Administrator, and their respective directors, officers, and employees, make no representations or warranties, either express or implied, including those of merchantability or fitness for a particular purpose, in connection with the Program. Each Cardholder participating in the Program agrees to indemnify and hold harmless the Sponsor and the Administrator, and their respective directors, offi­cers, and employees, from and against any loss, damage, liability, cost, or expense of any kind (including reasonable attorneys’ fees) arising from the Cardholder’s use of the Program, any fraud or misuse of the Program, a violation of these Terms and Conditions or applicable law or the rights of any third party. 

II.     Earnings Points

a.     Cardholders will earn (“Points”) for qualified transactions made at participating merchants using their Rewards Card.

b.     Points will be accumulated at the rate of:

1.     Three (3) Points per dollar on Net Purchases in the following categories: gas (paid at pump or inside service station), eating places/restaurants and fast food restaurants.

2.     Two (2) Points per dollar on Net Purchases in the following categories: grocery stores/supermarkets and discount stores.

3.     One (1) Point per dollar on Net Purchases in all other merchant categories.

4.     Issuer will use the merchant category codes (MCCs) assigned by the Card Network to identify Net Purchases that qualify for accelerated Point earning. Those MCCs are the following: 5541 and 5542 (Gas), 5411 (Grocery), 5310 (Discount Stores), 5812 (Restaurants) and 5814 (Fast Food). Ware­house/wholesale clubs are not included. Issuer does not determine whether merchants correctly identify and bill transactions within these MCCs.

5.     All other Net Purchases will earn one (1) Point per dollar spent. “Net Purchases” refers to the Pur­chase Advance of goods or services made minus any returns, refunds or Purchases that were unau­thorized. The following transactions are excluded from “Purchases” and do not earn rewards points: convenience checks, balance transfers (unless our balance transfer offer specifically says otherwise), cash advances, returns, finance charges and credit card interest or fees.

6.     Points of $.50 and greater are rounded to the nearest whole dollar. Points of less than or equal to $.49 are rounded down to the nearest whole number.

7.     Points accumulated for other products or services are determined at the sole discretion of the Sponsor.

c.     Point earnings are based on the net retail purchase transaction volume (i.e., purchases less credits, re­turns and adjustments) charged to the Rewards Card during each day by the Cardholder. Net purchases are rounded to the nearest dollar and are subject to verification. If a transaction is subject to a billing dispute, the point value of the transaction may be deducted from the point total during the dispute period. If the transaction is reinstated, points will be reinstated. The following transactions are excluded from “Purchases” and do not earn rewards points: convenience checks, balance transfers (unless our balance transfer offer specifically says otherwise), cash advances, returns, finance charges and credit card inter­est or fees.

d.     In the event of fraud, abuse of program privileges, or a violation of the Program rules (including any at­tempt to sell, exchange or transfer points or the instrument exchangeable for points), the Sponsor re­serves the right to cancel the Cardholder’s membership in the Program.

e.     Points may not be combined with any other loyalty/frequency reward program that is not managed by the Sponsor.

f.       The Sponsor reserves the right to award bonus Points to selected Cardholders for any activity or condi­tion it may determine is appropriate in its sole discretion.

g.     Points are not the property of the cardholder, and cannot be bought, sold or transferred (including upon death or as part of a domestic relations matter). Points can be gifted from one cardholder to another cardholder within the same portfolio and expire within 90 days once gifted. Gifted points are moved to the recipients’ account within 3 business days; gifted points cannot be gifted again. Minimum and maximum point values default to a 100 point minimum and a 50,000 point maximum. Once points are gifted, no refunds will be permitted.

h.     Points are tracked and redeemable on a first-in, first-out basis. Points will expire on the last day of the month three (3) years after the date of issuance.

i.       The Sponsor and the Administrator shall have no liability for disagreements between Cardholders regard­ing Points. The Sponsor’s decisions regarding Point discrepancies shall be final.

III.    Redeeming Points

a.     To redeem points, follow the instructions below, visit the Program’s website or call the customer service department. All contact information is listed at the bottom of these Terms and Conditions.

b.     To be eligible to redeem Points, the Cardholder’s account(s) must be open (meaning not closed, can­celed or terminated for any reason) and the Rewards Card cannot have any other status preventing authorizations.

c.     Points are deducted from the Cardholder’s point balance as soon as they are redeemed.

d.     Points may be redeemed only by the Cardholder and not another person, but Points can be used to pro­vide a reward for another person of the Cardholder’s choice.

e.     The Cardholder agrees to release and hold harmless the Sponsor and Administrator, along with any of their vendors, from any and all liability for any injury, accident, loss, claim, expense or damages alleged to be sustained by the Cardholder associated with a reward or use of rewards while participating in this Program, and in the case of a travel reward, anyone traveling with or without the cardholder, in connec­tion with the receipt, ownership, or use of any such reward. The Administrator and the Sponsor shall in no event be liable for any consequential damages, and the sole extent of their liability, if at all, shall not exceed the actual value of the reward.

f.       The Cardholder is responsible for determining any tax liability arising from the Cardholder’s participation in the Program. The Cardholder should consult with a tax advisor concerning any such tax consequences.

g.     Participating merchants and third party service providers are responsible for the quality and performance of any products or services they provide. The Sponsor and the Administrator are not responsible in any way for the products or services provided by participating merchants and third party service providers. 

IV.   Travel Rewards

The Administrator’s travel redemption center is able to take care of all travel arrangements. The redemption center is a full service agency that can assist with air rewards, hotel, auto, vacation and cruise reservations.

a.     All travel must be redeemed through Administrator’s fully licensed redemption reservation center or web­site. Cardholders must have an eligible Rewards Card at the time of redemption.

b.     All airline tickets issued in exchange for Points are non-refundable and non-changeable after ticket issu­ance, without paying the standard fees charged by each airline. Changes are subject to authorization by the airline and subject to any fees charged by the airline and redemption center.

c.     Lost, stolen or otherwise destroyed airline tickets will not be replaced without the Cardholder paying the standard fees charged by each airline.

d.     Cardholders may make additional travel reservations with the Administrator’s travel department or web­site using their Rewards Card.

e.     Airfares are not guaranteed until ticket is issued. All reservations will receive a fax or email on the same day the ticket is issued. The Cardholder must call in any corrections or discrepancies by the close of business, the same day the ticket is issued. The travel redemption center will do their best to accom­modate all changes and requests. Any changes or corrections done the following day or thereafter are subject to all airline airfare charges, exchange fees and processing fees and processing charges.

f.       The Cardholder is responsible for the payment of all baggage charges, departure taxes, seat assignment charges, or other charges that may be assessed by airlines, travel companies and/or governmental enti­ties as a result of travel under the rewards Program.

g.     Administrator’s normal and customary fees associated with processing travel related services are billed to the Cardholder’s Rewards Card.

h.     The Sponsor and Administrator are not responsible for the performance by the airlines of the ticketed transportation. All reservations are made subject to the conditions of airlines, supply or business of the party providing the service, which include exclusions and limitations of liability. The airline industry is in constant flux and changes made by this industry are done quickly and frequently without notice. There­fore, reward redemption rules for air travel are subject to change without notice.

i.       A valid government ID must be presented at the airport and it must match the traveler’s complete name as listed on the airline ticket.

j.       Travel insurance: For added protection, it is highly recommended that all travelers consider purchasing travel insurance at the time of ticketing to cover airline bankruptcy, trip cancellation & interruption, bag­gage delays and lost baggage, medical expense, emergency medical transportation, and vehicle rental collision insurance.

k.      Cardholders may redeem points for a single lowest published airfare as follows:

i.       Each free ticket must be ordered through Administrator

ii.      All free tickets must be for round-trip travel on the same airlines or code share airline.

iii.     En-route stopovers are not permitted unless they are to make direct connections.

iv.    Reservations for tickets are only allowed through standard commercial passenger carriers, which exclude the usage of charters.

v.     Actual travel may occur any time within three hundred and thirty (330) days after the reservation conditions in this agreement are met.

vi.    Reservations shall also be subject to airline seat availability on travel dates specified by the traveler.

V.    Non-Travel Rewards

A. Merchandise

a.     When necessary, the Administrator may substitute a reward with an updated model of equal or greater value. Cardholders will be notified of any change when ordering. The Administrator reserves the right to replace or remove certain sections within any program literature or website. All rewards are subject to availability.

b.     Merchandise rewards may take two to four (2-4) weeks to be delivered from the time of order. Multiple rewards may arrive at different times because they may be provided by different vendors. Delivery times may increase during peak holiday periods.

c.     No shipments of merchandise can be made to APO/FPO or PO Box addresses.

d.     Merchandise shippable by UPS will be available to all US territories. Items being shipped to Alaska, Hawaii, Puerto Rico, Guam and the US Virgin Islands will have an additional freight charge billed to the cardholder’s Rewards Card.

e.     Merchandise pictured in any reward’s program brochure or website may not necessarily reflect exact colors or models of actual rewards due to printing variations and/or manufacturers’ updates. Information is accurate to the very best of our knowledge. The Sponsor and the Administrator are not responsible for errors or omissions.

f.       The number of Points required for reward items are subject to change.

g.     Cardholders may exchange merchandise only in the event of merchandise defects or damage in ship­ment. Some items are delivered by common carrier, where a delivery time is scheduled and someone must be present to accept delivery. When this is the case, the item must be opened in the presence of that carrier and any exceptions, damages, or shortages must be noted on the delivery receipt before Cardholders sign to accept shipment of merchandise. For those items that are delivered without being scheduled, please inspect the item within 24 hours of delivery and notify the customer service center if you find any exceptions, damages, or shortages.

h.     Merchandise may be covered by manufacturer’s warranties. Any such defect should be handled through the standard manufacturer repair facility as noted with product. 

B. Gift cards/certificates and eGift Cards/Gift Codes

a.     Points may be redeemed for physical gift cards/certificates or eGift Cards/gift codes from select mer­chants. Most physical gift cards and certificates are delivered within two to three (2-3) weeks, to the address specified on the order file with the Administrator, as long as such address is within the United States and its territories. Delivery times may increase during peak holiday periods.

b.     Physical gift cards/certificates and eGift cards/gift codes cannot be returned, and are not redeemable for cash or credit.

c.     Protect your eGift cards/gift codes like cash, they are active and can be used immediately by anyone with access to your code. Lost or stolen eGift card/gift codes will not be replaced, including codes sent to an incorrect email address.

d.     At check out, you will need to supply your email address. To ensure delivery of your eGiftCard confirma­tion email, please take a moment to add gc@vcdelivery.com to your Address Book or Safe List. You will receive an email containing a link to your eGiftCard within 72 hours. The email will come with instructions on how to access your eGiftCard and how to redeem at the participating retailer or partner.

e.     All other sales and/or use taxes including shipping and handling charges of items purchased using a gift card or certificate are the responsibility of the Cardholder and are subject to the merchants’ policies in effect at the time of redemption. Purchases in excess of the amount of the gift cards are at the Cardhold­er’s expense.

f.       Gift cards, certificates, and codes may also be subject to other restrictions imposed by the merchant. Gift cards, certificates, and codes purchased to provide services are subject to the terms and conditions of the vendor providing the services.

g.     Additional terms and conditions may be specified on the gift card or certificate.

h.     If a merchant declares bankruptcy the Sponsor and Administrator are not liable for the underlying funds on the gift card or certificate.

i.       Once the gift card or certificate is redeemed and/or used, they are not returnable, exchangeable or re­placeable.

j.       Each merchant sets a policy in regards to lost or stolen gift cards or gift certificates. If a gift card or certifi­cate is lost or stolen, the Cardholder should report the occurrence to the Administrator immediately. The Administrator reserves the right to decline to replace lost or stolen gift cards or certificates.

k.      If gift cards or certificates have been ordered and not received by the Cardholder, the Cardholder should notify the Administrator by calling the customer service number. The Cardholder must notify the Admin­istrator no earlier than fifteen (15) days after the expected receipt date and no later than sixty (60) days from the expected ship date. Upon receipt of such notification, the Administrator will investigate. The Ad­ministrator in its sole discretion may replace any non-received shipment, in which a full balance remains on a gift card or gift certificate.

l.       The Administrator is not responsible if a recipient or Cardholder defaces, damages or otherwise renders unsuitable for redemption a gift card or certificate that was received from this reward site. 

C. Charity Choice

a.     Support the greater good by choosing Charity Choice donation gift cards.

b.     You may designate the funds for up to three charities of your choice, exclusively from our online list of over 250 major charities and many local causes, totaling over 1000 in all. The online designation is an easy and very rewarding experience with something meaningful for everyone. Follow the easy instruc­tions on the back of the card to donate the funds. 

D. Cashback and Statement Credit rewards

a.     The cash back reward(s) will appear as a credit on the Cardholder’s checking or savings account. State­ment Credit will show on the Cardholder’s Member Rewards Card.

b.     The Cardholder is responsible for any outstanding balance owed on the account after the Statement Credit is applied.

c.     The credit will be applied to the Cardholder’s account within 3 business days of the redemption. 

E. Fuel Redemption

a.     The Cardholder may redeem points at the pump or inside at the register by swiping a participating finan­cial institution’s rewards card at a participating fuel retailer. If the Cardholder has at least 2,000 points available, they will receive a message on the pump or at the register asking if they would like to use 2,000 rewards points to get $.50 off per gallon. The offer will also display if they are pre-paying for fuel.

b.     If the Cardholder selects, “Yes”, the per gallon charge will be lowered by $.50, subject to a maximum limit of $.50 per gallon discount on 20 gallons (or $10.00 off) during each visit.

c.     Points required and discount at the pump may vary by retail brand and card program. Please refer to the program website for a list of current offers and participating retailers. 

F. Toll-Free Participant Access & Contact Information

a.     For questions, concerns or complaints, please contact the Administrator's customer service center at 866-691-2714.

b.     The Administrator’s customer service center is open 24 hours/ 7 days a week. However, the center will be closed on the following major holidays until 5 am CT the following morning: New Year’s Day, Easter, Memorial Day, Thanksgiving, and Christmas.

c.     The travel redemption center is available Monday through Friday from 9am to 10pm ET and Weekends from 9am to 5pm ET. Closed New Year's Day, Easter, Memorial Day, Thanksgiving, and Christmas. After hours emergency service is available 24/7 for trips within the next 48 hours by calling the same number.

d.     To contact UVA Community Credit Union, please call 434-964-2001.

e.     The Program's website is rewards.uvacreditunion.org.

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