My Cash Back Rewards Terms and Conditions

02/11/2019

The North Shore Bank FSB My Cash Back Rewards program (the "Program") allows certain customers with eligible North Shore Bank retail debit cards (“Cards”) to earn a statement credit when they use their Cards at retailers participating in the Program ("Participating Merchants"). Participating Merchants will offer a statement credit when you use a Card to purchase certain items offered by the Participating Merchant ("Offer" or "Offers"). We try to provide Offers to places you have shopped or to similar merchants where you may like to shop. However, we do not share your personal information with Participating Merchants, and we offer you the opportunity to hide or opt out of receiving Offers. We will only use personally identifiable information in accordance with our Privacy Policy.
 
All customers who participate in the Program are subject to these terms and conditions (the "Rules") and any terms and conditions of an Offer established by Participating Merchants. These Rules supplement your North Shore Bank Online Banking Terms and Conditions, North Shore Bank FSB ATM and Debit Card Rules, and any other applicable agreement governing your North Shore Bank debit card and associated services ("Account Agreements"). In the event of a conflict between your Account Agreements and the Rules, the Rules will govern any matter relating to the Program while your Account Agreements will govern all other matters.

In these Rules, "we," "our," and "us" refer to North Shore Bank FSB. "You" and "your" mean every eligible person or entity who uses a Card. By participating in the Program, you agree to these Rules and agree that the Rules may be modified at our sole discretion, from time to time, with or without prior written notice. We reserve the right to terminate, modify, amend or suspend this Program in whole or in part at any time without notice to you. Your continued use of your Card constitutes your consent to these Rules.
 

1. Eligibility for the Program

Cards are automatically enrolled in the Program. However, you must meet the Program requirements to participate and earn a statement credit including: (a) your Card must be active and in good standing at the time any statement credit  is applied to your checking account; (b) you have enrolled in North Shore Banks retail online banking service; (c) you meet the terms and conditions established by a Participating Merchant on an Offer; (d) you continue to satisfy all eligibility criteria that we establish for the Program; and (e) the card cannot be an ATM only card or a Health Savings Account card.
 

2. Earning a Statement Credit from the Program

The Program is only available to customers who have access to North Shore Bank’s consumer online banking service. You must log on to North Shore Bank’s online banking website (the "Program Website") in order to see the list of Participating Merchants and the Offers. To be eligible for a statement credit in connection with an Offer, select the Offer by clicking on it and the Offer will load to your Account. You cannot redeem Offers and earn a statement credit unless you first select them at the Program Website.
 
Participating Merchants set the terms and conditions for each Offer. You should review the details of the Offer, including any expiration date, before you select it and load it to your account. Once you have loaded it, you must complete the specified purchase, and meet any other terms of the Offer, to earn a statement credit. In general, a statement credit will not be earned for any portion of your purchase that you pay for with store credit, gift certificates or other payment types, nor for the amount of tax or shipping and handling paid on a purchase; ATM transactions; or any transaction violating any federal, state or local law.
 
If you used My Cash Back Rewards for a purchase and later received a credit for that purchase (for example, a merchandise return), your statement credit may be reduced.  You agree that we may debit your Account or any of your other Accounts to correct errors in the calculating you Cash Back Rewards amount
 

3. Statement Credits

Any statement credit earned on an Offer will typically be credited to your account within three calendar months after the calendar month following your purchase. For example, any Offers you redeem in the month of December should be credited to your account by the end of March. The amount of the statement credit for Offers, applied to your Designated Account, will be shown on the Designated Account statement and may be viewed on the Program Website. Your Designated Account must be open and in good standing in order to receive statement credits or cash back. If your Designated Account is closed by you or by us, but you have other open accounts, we may select, at our discretion, an alternative account of the same product type to apply a statement credit if an alternative account of the same product type is available. If you have no open North Shore Bank accounts, because you or we have closed them, you will forfeit any cash back that has not yet applied to an account.
 
Participating Merchants establish the terms of an Offer and fund the corresponding statement credit. Our service provider, Cardlytics, Inc. (“Cardlytics”), administers the Program including collection of funds due from the Participating Merchants and remittance of these funds to us for applying to your Designated Account. You are not entitled to compensation from us or Cardlytics for the expiration or forfeiture of your Offers for any reason.
 

4. Errors in Redemption, Statement Credit or Cash Back

In the event you have questions or believe an error has occurred relating to your redemption of any Offers, please call us at 877-672-2265. You may also review the status of Offers on the Program Website.
 
If you believe that you have made purchases that should have earned a statement credit, but a statement credit has not been applied to a Designated Account or alternate account of the same product type within one hundred twenty (120) days of your purchase (date the charge appears on your account statement), you may contact us to investigate. You MUST contact us within one hundred fifty (150) days of the date of such purchase. If you do not contact us within one hundred fifty (150) days, we will not be obligated to investigate your request and your ability to claim a statement credit will be deemed waived.
 

5. Limited Liability

Unless otherwise required by law or as expressly stated in writing in an agreement between North Shore Bank and you, North Shore Bank and its affiliates, service providers, officers, directors, employees, or agents will not be liable to you, or anyone making a claim on your behalf, in connection with (i) any change in the Program; (ii) any claim relating to products or services of any Participating Merchant, whether or not arising out of the Program; (iii) any loss, damage, expense or inconvenience caused by any occurrence outside of our control; (iv) any content, products or service appearing on a website to which we provide a link from the Program Website; (v) any claim relating to the terms and conditions of any Offers; or (vi) any taxes that you incur as a result of receiving a statement credit or cash back. Participating Merchants are solely responsible for the Offers and funding of a statement credit or cash back to you. In any event, any liability that we may have to you in connection with the Program shall be limited to the amount of any statement credit from Offers which have been earned in accordance with the Rules of the Program and that we have received from Cardlytics and the Participating Retailers.
 

6. No Warranties

North Shore Bank and Cardlytics do not: (i) endorse any Participating Merchants; (ii) make any express or implied warranty regarding any Participating Merchant's goods or services; (iii) assume responsibility for any Participating Merchant's obligation to you, including the payment of any statement credit offered by the Participating Retailer; or (iv) guarantee the performance of any Participating Retailer under the Program. We do not operate or control the products, services, or initial payment of Offers made by Participating Merchants. Participating Retailers are solely responsible for the funding of Offers through Cardlytics to us.
 

7. Opting Out

You may opt out of receiving Offers on the Program Website. If you opt out you will not receive any further Offers. Purchases made after the opt-out date will not earn any statement credit even if you loaded an Offer to your Card before you opted-out. You may continue to see Offers information and alerts until the change becomes effective. You will forfeit any statement credit that has not yet posted to a Designated Account upon cancellation of your participation.
 

8. General

The Program is void where prohibited by law and subject to the Program Rules and the terms in your Account Agreement, including, but not limited to, the dispute provisions contained in your Account Agreement.
 
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