UChoose Rewards® Terms and Conditions 

If You participate in the UChoose Rewards® Program, You agree to the following terms and conditions.  

Definitions 

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

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"Account" refers to a checking account, credit account, financial account, or other account 
opened at Your Financial Institution.  
"We," "Our," or "Operator" means Fiserv Solutions, Inc., the operator and administrator of the 
Program and its subcontractors.  
"Program" or "UChoose Rewards Program" means the program that allows Participants to earn 
and redeem points for rewards.  
"Rewards Points Account" means the account that tracks points earned by the Participant.  
"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.  
"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 restricted to Participants with 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.  

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 
Program 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 you will not be allowed to participate in 
the Program in the future.  

3.  The terms of this Program are void where prohibited by law.  
4.  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 rate 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 Participant 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.  There is no annual cap to how many points you can earn. 
6.  Points will expire 4 years from the end of the month in which they were posted.  
7.  Points earned during a calendar month are posted to the Participant’s Reward Points Account by 
the 10th of the following month. Qualifying purchases that have not been cleared or posted to a 
Participant’s Reward 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 (date the charge appears on your credit card 
statement), 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.  Points may not be redeemed for cash. 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 the Program website located at www.UChooseRewards.com.  
If you have questions about the Program, those questions can be sent to the Operator using the 
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"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.  

Liability 

1.  You acknowledge and agree that as part of the Program certain information, such as Your name 
and address, shall be provided to merchants and other parties involved in the Program and Your 
transactions. 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, 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 
ON THIS SITE DOES NOT CONSTITUTE AN ENDORSEMENT OR RECOMMENDATION OF SUCH 
PRODUCT OR SERVICE.  

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 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 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 
attorney’s fees) arising out of any breach of the Program or these Terms and Conditions 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 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 

See the following additional Program Terms and Conditions set forth in the attached links for 
merchandise, travel, event tickets, activities and gift cards. Any disclaimer of liability set forth in those 
additional Program Terms and Conditions shall also apply to the Operator of the Program described in 
these Terms and Conditions.