Terms and Conditions I. Description of the Program a) The rewards

Terms and Conditions

I. Description of the Program

a) The rewards program ("Program") is a service provided by Digital Federal Credit Union ("Sponsor")

and managed by ampliFI Solutions, LLC ("Administrator").

b) Participation in the Program is exclusive to those who have a current DCU Platinum Rewards

Credit Card issued by the Sponsor ("Rewards Card"). These individuals are deﬁned as

("Cardholders" or “you”).

c) The Sponsor reserves the right to disqualify any Cardholder from participation in the Program and

invalidate all Points for abuse, fraud, or any violation of the Program terms and conditions. The

Sponsor may make such a determination in its sole discretion.

d) Rewards will be based on purchases and calculated as points (“Points”) and credited to the

Cardholder(s)’s account with the Sponsor.

e) The rewards program is void where prohibited by federal, state, or local law.

f) The Sponsor and the Administrator are not responsible for typographical errors and/or omissions in

any Program document.

g) The Sponsor and the Administrator reserve the right to change the terms and conditions as well as

the Points required for a reward within the rewards Program. At the Sponsor's option, redemption of

Points may be restricted, limited, expired or canceled at any time without prior notice, as permitted

by applicable law.

h) 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.

i) The Administrator’s Privacy Policy is available at the Program's website on the bottom of each page.

j) 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. Earning Points

a) Cardholders will earn Points for qualiﬁed transactions made at participating merchants using their

Rewards Card (“Qualifying Transactions”).

b) Points will be accumulated at the rate of:

1. One Point per every one (1) dollars of each Qualifying Transaction using Cardholder's

enrolled credit card.

2. Points accumulated for other banking relationships, 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.

d) 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 the instrument exchangeable for Points), the Sponsor

reserves the right to cancel cardholder’s membership in the Program.

e) If more than one credit card has been issued for the same credit card account, the Points earned from

each card will automatically be pooled together into one available Point balance.

f) Points may not be combined with any other loyalty/frequency reward program that is not managed

by the Sponsor.

g) The Sponsor reserves the right to award bonus Points to selected cardholders for any activity or

condition it decides.

h) Points are not the property of the Cardholder, and cannot be bought, sold, or transferred in any way

(including upon death or as part of a domestic relations matter).

i) Points are tracked and redeemable on a ﬁrst-in, ﬁrst-out basis. Points will expire on the last day of

the month, four (4) years after the date of issuance.

j) Administrator and Sponsor reserve the right to adjust Points where necessary to correct any errors

or omissions in processing or posting to your account.

k) 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, or visit the Program website by logging into the

Sponsor’s online banking 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 or within the 90-day

expiration period following the closing of the credit card account.

c) Points are deducted from the Cardholder’s Point balance as soon as they are redeemed. Redemptions

are ﬁnal and may not be canceled or refunded. Administrator and Sponsor reserve the right to adjust

Points where necessary to correct any errors or omissions in processing.

d) Points must be redeemed by the Cardholder but can be used to provide a reward for another person

of the Cardholder’s choice.

e) The Cardholder agrees to release the Sponsor and Administrator, and their vendors, successors,

assigns, and agents from all liability for any injury, accident, loss, claim, expense or damages 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 reward. The Administrator and the Sponsor shall not be liable

for consequential damages, and the sole extent of 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 participation in the

program. Consult a tax advisor concerning 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 (“Travel

Services”). They are a full-service agency that can assist with air rewards, hotel, auto, vacation, cruise

reservations and other travel related products.

a) General Terms and Conditions related to Travel:

i. For reward redemptions that are included as part of your transaction, the Point

balance on your Program account will be decreased by the number of Points used

for this transaction.

ii. Payments by credit card will appear on your monthly card statement as “CL *Trip

Charges” or as a charge from the applicable travel provider (each, a “Supplier”

and collectively, “Suppliers”).

iii. To the extent permitted by applicable law, Travel Services may cancel the booking

in the event of suspected fraud, or a payment charge is disputed with the

payment card company, and we cannot resolve the dispute with you. In such

event the penalties imposed by the Suppliers for such cancellation, as

communicated at the time of booking, up to the full amount of each

ticket/reservation, will be applied.

iv. If you receive a receipt from the individual Supplier, the amount we charge you

may differ from the amount shown on the individual receipt, but the amount we

charge you will be the amount you agreed to pay at the time of the transaction. If

the amount shown on the receipt given by the individual Supplier is higher, you

will not be required to pay the difference and if the amount is lower you will not

receive a refund for the difference, which is retained by Loyalty Travel Agency as

compensation for services.

v. Inventory and pricing available from Travel Services are presented in real time

and reﬂect what is available to Travel Services at the time of your search.

Inventory and/or pricing may change between obtaining your search results and

receiving conﬁrmation of your booking since we do not hold inventory that you

have viewed until you actually make a reservation. Note that not all Suppliers

make their inventory available to Travel Services and some inventory may be

available only through the call center.

vi. All bookings made by Travel Services shall comply with all applicable U.S. laws,

rules and regulations including, without limitation, sanctions issued by the Ofﬁce

of Foreign Assets Control. Such sanctions may prevent Travel Services from

offering travel to speciﬁc destinations or individuals. To assist Travel Services with

its compliance with laws, rules and regulations, Travel Services may ask you for

additional information. Any booking made, or in good faith believed to be made, in

violation of U.S. law, will be canceled by Travel Services, in its sole discretion,

with no liability to you other than to issue a refund, if permitted by law.

i. Reservations are subject to the rules of each Supplier on your itinerary; some

reservations cannot be canceled. Other reservations may incur program fees

and/or Supplier cancellation or change fees. Speciﬁc cancellation or change fees

for your speciﬁc itinerary are communicated at the time of booking. Refunds, if

permitted, are made after we receive the refund from the Supplier and may take

up to 60 days to process and are subject to the policies of the individual Supplier.

All refund requests must be submitted within 30 days of the scheduled travel

date (for example, airline departure date, hotel check-in date or car rental pick-up

date) and any negotiable documents (for example, airline tickets, redeemable

certiﬁcates, or vouchers) issued must be returned to Travel Services prior to

processing any refund.

ii. Please note: The cancellation policy communicated to you at the time of booking

may differ from the cancellation policy for reservations made directly with the

Supplier and the cancellation policy communicated to you at the time of booking

will apply.

c) General Travel Information

i. Approved, government issued photo identiﬁcation is required at check in and

must match the full name on the reservation for travel. Due to the Real ID

requirements, your driver’s license or ID card may not be accepted for travel after

certain dates. For the most current information on the Real ID requirements,

please visit: https://www.dhs.gov/real-id. If this is an international trip, you will

need a Passport and you may need a Visa and you may need to satisfy certain

health requirements. Passports usually need to be valid for a speciﬁed period of

time (such as six months) after your scheduled return date. For foreign entry

requirements, go to http://travel.state.gov or contact the embassy/consulate of

the country to which you are traveling, including layover and stopover

destinations, to determine entry documentation and other requirements, such as

immunizations that you must satisfy, including return entry into the country from

which you departed. It is your responsibility to obtain proper travel identiﬁcation

and satisfy all requirements for each location on your itinerary, including layover

and stopover destinations. Carriers cannot board any passenger who fails to carry

required documents. Some carriers may require you to show the credit card used

as payment for your ticket(s).

i. Minors under the age of 18 who are traveling with only one parent may be

required to have additional documentation. Please contact your airline or the

embassy/consulate of the country from which you are departing and the country

to which you are traveling for additional information.

ii. Travel Services makes no guarantee of the accessibility of any travel item on your

itinerary. It is the sole responsibility of the traveler to keep in mind their own

unique needs when booking travel.

iii. Travel Services has no special knowledge regarding unsafe conditions, health

hazards, weather hazards, or climate extremes at locations to which you may

travel. For information concerning possible dangers at international destinations,

Travel Services recommends visiting the Travel Advisory Section of the U.S. State

Department website at

https://travel.state.gov /content/travel/en/traveladvisories/traveladvisories.html/.

iv. For medical information, Travel Services recommends contacting the Centers for

Disease Control and Prevention at 800-232-4636. For foreign health

requirements and dangers, go to http://www.cdc.gov/travel.

v. Travel reservations are subject to the rules of each Supplier on your itinerar y

which are provided to you at the time of booking. The information and

descriptions given about the Suppliers are believed to be accurate, but Travel

Services makes no warranty or representation regarding the information and

descriptions.

vi. The passenger's ticket(s), when issued, or the electronic reservation, shall

constitute the sole contract between the Supplier and the Cardholder and/or

passenger. Travel Services shall have no liability for any actions or omissions of

the Supplier.

vii. Travel Services shall have no responsibility for any credit or voucher issued by any

Supplier, and any questions or issues you may have with respect to such credit or

voucher must be addressed directly with the Supplier.

viii. Special requests made to a Supplier are on a request only basis and cannot be

guaranteed. Suppliers reserve the right to charge fees and taxes on any item

requested that is not included in the booking description, depending on the

service request.

ix. Upgrades are not permitted on certain itineraries. Please check with the

Supplier directly.

x. Supplier policies are subject to change at any time without notice, but

policy changes regarding cancellation and related fees will not apply to travel

previously purchased.

xi. Travel Services is not responsible for any lost or damaged luggage.

xii. Certain Supplier’s (e.g., airline, hotel, car rentals) rate types do not permit the

issuance of Points or other currency in their loyalty programs. If a rate is eligible to

earn Supplier loyalty currency, the name connected to the Supplier’s loyalty

program must match the traveler listed on the itinerary or the Supplier may

invalidate the booking.

d) Hazardous Materials

i. Federal law forbids the carriage of hazardous materials aboard aircraft in your

luggage or on your person. A violation can result in ﬁve years' imprisonment and

penalties of $250,000 USD or more (49 U.S.C. 5124). Hazardous materials

include explosives, compressed gases, ﬂammable liquids and solids, oxidizers,

poisons, corrosives, and radioactive materials. Examples: Paints, lighter ﬂuid,

ﬁreworks, tear gases, oxygen bottles, and radiopharmaceuticals.

ii. There are special exceptions for small quantities (up to 70 ounces total)

of medicinal and toilet articles carried in your luggage and certain smoking

materials carried on your person. For further information contact the

airline directly.

e) Baggage Fees

i. Baggage policies and fees, for carry on and checked baggage, vary by Supplier.

Some Suppliers charge a fee for the ﬁrst and/or second standard-sized checked

bag. Please check with the Supplier for baggage charges, size limitations, weight,

and other restrictions. Baggage fees may vary depending on whether the travel is

Domestic or International. A list of air carriers and their fees for checked baggage

can be found at http://www.airlinebaggagecosts.com.

f) Destination Taxes

i. Government imposed departure or entry taxes may not be included in ticket

taxes. Passengers should be prepared to pay these taxes in cash, in local

currency, on location.

g) Airline Terms and Conditions

i. Airline tickets are NON-REFUNDABLE and NON-CHANGEABLE unless permitted

by the terms of the fare and, if permitted, are subject to airline rules, airline

penalties up to the full amount of each ticket plus, in the case of a changed ticket,

fare difference charges, and may also be subject to Program fees. If the ticket is

refundable, there may be cancellation fees to refund the ticket. Note: If there is

more than one carrier on your itinerary, airline rules, airline penalties and change

fees may apply to EACH airline on your itinerary and each change made.

ii. A small number of air carriers may require Travel Services to conﬁrm ﬂight

availability when booking. If there is any issue with availability, a travel

representative will contact you within 24 hours to make alternate ﬂight

arrangements at no additional cost.

iii. In some situations, an airline may issue you a credit “in lieu of” a refund according

to the fare rules associated with the individual booking. If a credit is issued by an

airline, it is held by the airline in the name of the individual who was the

passenger of record on the original reservation. This credit can be used towards

the payment for the booking of a new trip under the following conditions:

1. The new reservation is in the name of the same passenger as the

canceled booking.

2. The new reservation is on the same airline as the original reservation.

3. All travel associated with the new trip must be completed prior to the

date speciﬁed by the airline which is determined by the fare rules of the

original ticket and the original class of service.

4. You are responsible for paying any exchange fees charged by the airline

related to the making of a new reservation as well as any additional

charges, fees or fare increase.

5. Credit cannot be applied against an existing reservation.

6. If a refund or a credit is not issued by the Supplier, the canceled

reservation will have no value for future use.

h) Airlines may impose additional costs and fees for baggage, meals, beverages and other services.

These costs are your sole responsibility.

i) Unused tickets contain no value if not canceled prior to scheduled departure date/time as

speciﬁed by the airline’s fare rules.

j) Tickets cannot be reassigned or transferred to a different passenger or airline.

k) Flight schedules are subject to change. Travel Services is not responsible for any schedule

change(s) or notifying you of such change(s). Please conﬁrm the scheduled departure time(s) on

the airlines' websites at least 48 hours prior to departure for domestic ﬂights and at least 72

hours prior to departure for international ﬂights to learn if your ﬂight schedule changed.

l) Failure to use any reservations may result in automatic cancellation of all continuing and return

reservations. You must advise your carrier if your travel plans change en-route.

i. Check with each airline regarding its speciﬁc boarding and check-in requirements,

it is always best to check-in within 24 hours of the ﬂight. Airline ﬂights may be

overbooked, and there is a chance that a seat will not be available on a ﬂight for

which you have a conﬁrmed reservation. If this occurs, the airline will make

alternative arrangements for you.

m) Turboprop aircraft may exist on your itinerary. Airlines reserve the right to change aircraft

equipment without notice to the booking travel agency or the consumer.

n) If a code-share ﬂight exists in your itinerary (a ﬂight where two or more airlines share the same

ﬂight), passengers must check in with the operating airline on the day of departure.

o) All tickets will be issued at the time of booking as e-tickets, unless e-tickets are unavailable due

to airline restrictions. All paper tickets will be shipped within 48 hours.

p) If your paper ticket(s) is lost, stolen, or destroyed, contact Travel Services immediately for details

on how to process your claim. You may need to purchase a new ticket to travel while you are

waiting for any permitted refund or credit. You remain responsible for payment due for the lost,

stolen, or destroyed ticket(s) unless a refund or credit is issued by the carrier.

i. Advance seat assignments, if available and allowed by the airline, are not

guaranteed and could be subject to additional fees. Please inquire with the airline

about your boarding pass(es).

q) Please go to http://www.dot.gov/ofﬁce-policy/aviation-policy/aircraft-

disinsectionrequirements to learn about the use of insecticides in certain aircraft.

r) For information regarding airline liability limitations, baggage liability and other regulations of

the Montreal Convention, and other regulations, please consult your air carrier.

s) More than 6 tickets booked on the exact same ﬂights for the exact same dates is not permitted.

If we determine that you have booked reservations for more than 6 tickets in separate

reservations, those reservations are subject to cancellation and will incur applicable cancellation

fees in accordance with the airline's individual fare rules.

t) For ﬂights that are destined for, transit through, or depart Canada, passengers may be entitled

to certain standards of treatment and compensation under the Air Passenger Protection

Regulations. For more information about your passenger rights please contact your air carrier or

visit the Canadian Transportation Agency’s website at https://www.otccta.gc.ca/.

u) Hotel Terms and Conditions

i. Hotel rooms are NON-REFUNDABLE and NON-CHANGEABLE unless permitted

by the terms of the room/rate description selected at the time of booking. Check

the terms carefully before making a hotel reservation for cancellation or changing

terms and fees. For rooms that are non-refundable, if you change or cancel your

reservation at any time, you will still be charged the full reservation amount of

room and tax for the entire stay.

ii. If permitted, cancellations or modiﬁcations received at any time may be subject to

a program fee in addition to any Supplier fees. Such fees will appear on your

monthly card statement as "CL *Trip Charges".

iii. Some properties have a minimum age requirement for check-in. Please check with

the hotel prior to booking if a minimum age is not indicated in the hotel

description.

iv. More than 9 rooms booked at the same hotel during the same dates, even if all

the dates are not identical, is not permitted. If we determine that you have booked

reservations for more than 9 rooms in separate reservations, those reservations

are subject to cancellation and will incur applicable cancellation fees in

accordance with the rate description.

v. Hotel room reservations cannot be transferred or reassigned to another traveler

and cannot be resold. If we determine that you have transferred or re-sold a

reservation, those reservations are subject to cancellation and will incur

applicable cancellation fees in accordance with the rate description.

vi. No shows are non-refundable and will result in a forfeiture of all payments made

by you in connection with the reservation, without credit due. If you think you may

arrive at a hotel late, please contact the hotel directly to arrange for a late arrival,

if available. Actual times for "late" vary by hotel.

vii. Early check-out from a hotel is not subject to a refund, unless allowed by the

Supplier.

viii. Contact Travel Services via the number listed on your itinerary for all cancellation

or change requests. Cancellations or changes handled by the hotel directly may

result in additional fees and/or the forfeiture of any refund due.

ix. Government issued photo identiﬁcation is required at check-in and must match

the name on the reservation. Some properties have a minimum age requirement

for

check-in.

x. Policies for children vary by hotel. Please contact the hotel directly to learn

whether child beneﬁts are offered and whether there are child restrictions.

xi. Hotel reservations include room and applicable hotel taxes only. Any additional

mandatory hotel charges, such as resort fees, and hotel energy surcharges, are

payable directly to the hotel. Additionally, any cleaning fees for violating a no-

smoking, no pets or other policy and any charges for incidentals that you incur are

not included in your reservation rate and must be paid directly to the hotel.

Incidental charges may include but are not limited to parking fees, baby-sitting,

room service, telephone fees, internet usage fees, in-room movies, minibar

charges, and gratuities.

xii. Due to hotel Supplier policies applicable to Travel Services’ preferred rates, your

name may not be provided to the hotel until 24 hours prior to your arrival. Please

contact Travel Services directly for any special requests, such as bed type,

smoking preferences, or in-room amenities. Special requests are subject to hotel

availability.

xiii. The hotel will require a major credit card, in the name of one of the guests, or a

cash deposit upon check-in.

xiv. Reservations do not include services not speciﬁed in the reservation conﬁrmation.

xv. A reasonable attempt will be made to notify guests of hotel renovation or

refurbishment if Travel Services knows of the same; however, Travel Services

shall not be liable for any failure to provide such notiﬁcation or for damages that

may result from renovation or refurbishment.

v) Car Rental Terms and Conditions

i. Cancellations or modiﬁcations received at any time are subject to the Supplier’s

cancellation polices and cancellation fees which could be up to the full amount of

the reservation and may also be subject to a program fee. Such fee will appear on

your monthly card statement as "CL *Trip Charges".

ii. No shows are non-refundable and will result in a total forfeiture of any payments

made by you in connection with the reservation, without credit due.

iii. The early return of car rentals is not eligible for a refund, regardless of situation or

notiﬁcation from the car rental company.

iv. Any additional taxes, fees and surcharges are subject to change without notice,

may vary by location, and may be charged to the customer at pick-up.

v. Rental rates are based on 24 hour periods and may be subject to additional fees

depending on the time of return, including but not limited to hourly rental

charges, which will be billed directly to you by the car rental company. Certain car

rentals may have a minimum rental period. Any rentals less than the required

minimum days may be charged for the minimum rental period.

vi. Advance purchase car rental rates in the United States include unlimited mileage,

taxes and fees. Car rental rates outside of the United States may not include

unlimited mileage, taxes and fees and these will be assessed by the car rental

location directly. Charges are billed directly by the car rental company and rates

are subject to change.

vii. Charges for optional services such as insurance waivers, fuel, additional or

underage drivers, and special equipment charges, are not included in your rental

and must be paid directly to the car rental company.

viii. Travel Services does not guarantee a speciﬁc make, model, or color of vehicle no

matter what vehicle is reserved.

ix. Geographic and cross border restrictions may apply.

x. Renters must meet the minimum (and maximum, if applicable) age requirement

where the car is being rented, have a valid driver's license, major credit card and

some Suppliers require a good driving record. Most rental car companies do not

accept debit cards. Some Suppliers charge a surcharge for drivers above or below

certain ages, which would be paid to the Supplier at the time of pickup. Suppliers

reserve the right to deny car rentals for any reason, including past driving records.

xi. Rentals outside the country in which you reside may require an international

driver’s license or compliance with other local requirements.

xii. One way rentals may or may not be permitted. If there are additional fees for one

way rentals, when permitted, these fees will not be included in the cost of the

reservation. A reasonable attempt to advise of these fees will be made when this

information is available to Travel Services.

xiii. Car rentals may not be available for all locations and destinations.

xiv. Local renters and renters driving out of state/country may be subject to

additional restrictions.

xv. Car rental rates do not include Collision Damage Waiver insurance and Theft

Protection unless speciﬁed. Please contact your insurance company if you are

unsure whether to accept rental car company insurance at the counter.

w) Activity Terms And Conditions (Applies when booked via the travel redemption center.)

i. Theater tickets, theme-park passes, and select sightseeing tours are non-

refundable once booked.

ii. All other activities are NON-REFUNDABLE and NON-CHANGEABLE unless

permitted by the terms of the description. Check the terms carefully before

making a reservation for cancellation terms or change fees. For activities that are

non-refundable, if you change or cancel your reservation at any time, you will be

charged the full reservation amount.

iii. If permitted, cancellations or modiﬁcations received at any time may be subject to

a program fee in addition to any Supplier fees. Such fees will appear on your

monthly card statement as "CL *Trip Charges".

iv. No shows are non-refundable and will result in forfeiture of all payments made

by you in connection with the reservation, without credit due.

v. Supplier reserves the right to change, cancel, or modify the date, length, or any

inclusions of the activity booked without notice. You should reconﬁrm the activity

booked at least 72 hours prior to the activity date with the Supplier and mention

Viator in the process.

vi. If a paper or e-voucher is required, please remember to bring it with you along

with a form of Government-issued photo identiﬁcation. Otherwise, you may be

denied admission to the activity.

x) Cruise And Tour Supplier Terms And Conditions

i. Cruise only packages do not include ground transfers. Not all air/sea packages

include ground transfers.

ii. Cruise and tour cancellations received at any time may be subject to a Program

fee in addition to applicable Supplier fees.

iii. Travel Services is not liable for any ﬂight or other transportation delays that result

in a missed cruise or tour departure. If air or transfers are purchased as part of a

speciﬁc cruise or tour company package, the cruise or tour operator may provide

assistance for missed departures.

iv. Travel Services has no control over air arrangements recommended by cruise or

tour Suppliers including ﬂight schedules, airlines selected, or whether your ﬂight

will be nonstop. Travel Services can assist you with deviations from the Supplier

air/cruise package but cannot guarantee that the Supplier will honor your request.

Some Suppliers will not allow air deviations under any circumstances.

v. It is your responsibility to make sure that deposits and ﬁnal payments are made

by the Supplier due date. Until payments are conﬁrmed by the Supplier, price,

cabin/room, and availability are subject to change and cancellation.

vi. No shows are non-refundable and will result in a forfeiture of all payments made

by you in connection with the reservation, without credit due.

vii. You may have the option to purchase vacation protection insurance offered

through the cruise or tour Supplier. If you decline any such vacation protection

insurance, you will assume all risk of recovery of your costs and Travel Services

will be unable to assist you. Refunds and coverage are subject to the policies of

the individual travel insurance provider.

y) Travel Insurance Terms And Conditions

1. Travel insurance is provided by a third party insurer who has no direct afﬁliation with

Travel Services.

2. If travel insurance is purchased, you will receive an email conﬁrmation, including your

policy number and speciﬁc details of your policy, within 24 hours of your purchase.

Please review your policy details immediately upon receipt for important coverage

information.

3. Travel Insurance will not cover any cancellation fees or standard penalties if your

reservation is canceled because your credit card is declined. Refunds and coverage are

subject to the policies of the travel insurance provider.

z) Supplier Taxes and Fees (Applies For Transactions That Are Not Points Redemptions Only)

i. In connection with facilitating your transaction, the price paid by you will include a

charge for taxes and fees which varies based on a number of factors including,

without limitation, the amount paid to the Supplier, the location of the Supplier

and your destination. This charge includes an estimated amount for taxes and

other fees owed by the Supplier including, without limitation, sales and use tax,

occupancy tax, room tax, excise tax, value-added tax and/or other similar taxes. In

certain locations, the tax amount may also include government-imposed service

fees or other fees required by law to be collected by the Supplier. The actual

amount paid to the Supplier for taxes and fees in connection with your reservation

may vary from the amount estimated and included in your charges, but the total

amount you pay will not vary from the amount quoted.

ii. Suppliers include applicable taxes in the amount billed to Travel Services and

Travel Services collects such amount from you and pays all such taxes directly to

the Suppliers. Travel Services is not a co-vendor associated with any Supplier.

Taxability, the tax rate and the type of applicable taxes vary by location.

iii. For transactions involving Suppliers located within certain jurisdictions, the

charge for taxes and fees includes a tax that Travel Services is required to collect

and remit to the applicable jurisdiction on amounts retained as compensation

for services.

iv. If you book in a location that charges a Goods and Services Tax or similar tax that

is refundable to non-residents, Travel Services is unable to facilitate a rebate of

such tax.

aa) Liability Disclaimers

i. Travel Services acts only as an agent for the Supplier in regard to travel, and

assumes no liability for injury, damage, loss, accident, delay or irregularity which

may be caused due to a defect in any vehicle, acts of God, war, riots, or by any

company or person involved in conveying the passenger or in carrying out travel

arrangements.

ii. Travel Services reserves the right to accept minor adjustments in the passenger’s

travel itinerary made by the Supplier. In the event of Supplier trip cancellation

prior to departure, a full refund will constitute a full settlement of all liability.

iii. Travel Services is not responsible for any changes initiated by the passenger with

the Supplier.

iv. Travel services and its afﬁliates do not guarantee the accuracy of, and disclaim

liability for inaccuracies relating to, the information and description of the hotel,

air, cruise, car, and other travel products displayed (including, without limitation,

photographs, logos/icons, prices/rates, lists of hotel amenities, and general

product descriptions), which information is provided by the respective suppliers.

Hotel ratings are intended as general guidelines, and travel services and its

afﬁliates do not guarantee the accuracy of the ratings.

v. In instances where an incorrect (lower) price/rate is charged, travel services will

use reasonable efforts to get suppliers to honor the quoted rate. If the supplier will

not honor the rate, travel services will contact you and you may cancel the booking

and receive a refund of the amount paid, subject to supplier refund and

cancellation policies, or agree to keep the booking at the correct rate (or other rate

offered by the supplier).

vi. Travel services, its afﬁliates, and the suppliers make no representations about the

suitability of the information, products, and services contained on this site for any

purpose, and the inclusion of any products or services on this site does not

constitute any endorsement or recommendation of such products or services by

travel services or its afﬁliates. All such information, products, and services are

provided "as is" without warranty of any kind. Travel services, its afﬁliates, and the

suppliers disclaim all warranties and conditions with regard to this information,

products, and services, including all implied warranties and conditions of

merchantability, ﬁtness for a particular purpose, title, and noninfringement.

vii. The suppliers providing travel or other services are independent Contractors and

not agents or employees of travel services or its afﬁliates. Travel services and its

afﬁliates are 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 other damages or expenses resulting therefrom.

viii. Travel services and its afﬁliates have no liability and will make no refund in the

event of any delay, cancellation, overbooking, strike, bankruptcy, force majeure or

other cause beyond their direct control, and they shall have no responsibility for

any additional expense, omissions, delays, rerouting or acts of any government or

other authority. In no event shall travel services, its afﬁliates, and the suppliers be

liable for any direct, indirect, punitive, incidental, special, or consequential

damages arising out of, or in connection with, the use of this site or any

information, products, and services obtained through this site, or otherwise arising

out of the use of this site, whether based on contract, tort, strict liability, or

otherwise, even if travel services, its afﬁliates, and/or the suppliers have been

advised of the possibility of damages.

ii. Some jurisdictions do not allow the exclusion or limitation of liability for consequential

or incidental damages, so the above limitation may not apply to you.

bb) Governing Law as it pertains to Travel Redemptions

i. These Travel Disclosures and any action or proceeding related thereto, whether in

contract or tort, at law or in equity, shall be governed by, construed, and enforced

in accordance with the laws of the state of New York, USA as they are applied to

agreements entered into and to be performed entirely within such state. Any

action in connection with any matters related to these travel disclosures shall be

brought only in the state or federal courts located in the state and city of New

York and you expressly consent to the jurisdiction of said courts. All disputes

which cannot be resolved between the parties shall be resolved individually,

without resort to any form of class action.

cc) Modiﬁcation Of Travel Rules

i. Travel Services reserves the right to change these Travel Terms and Conditions at

any time without notice.

dd) Seller Of Travel Registration Numbers

i. Loyalty Travel Agency LLC, who acts only as an agent for the Suppliers, makes

the travel arrangements for you on behalf of Travel Services. State Seller of Travel

registration numbers for Loyalty Travel Agency LLC in the states that require

registration are: California 2146860-50 (registration as a seller of travel does not

constitute approval by California. Loyalty Travel Agency LLC is not a participant in

the Travel Consumer Restitution Fund); Florida ST38239; Hawaii TAR-6750, and

State of Washington 602 868 200.

V. Non-travel rewards

a) Merchandise

i. When necessary, the Administrator may substitute a reward with an updated model of equal

or greater value. Cardholders will be notiﬁed of any change or cancellation. The Program

Administrator reserves the right to replace or remove certain sections within any program

literature or website. All rewards are subject to availability.

ii. Merchandise rewards may take two to four (2-4) weeks to be shipped from the time of order.

Specialty or custom orders may take six to eight (6-8) weeks to be shipped. Multiple rewards

may arrive at different times because they may be provided by different vendors. Delivery

times may increase during peak holiday periods.

iii. No shipments of merchandise can be shipped to PO Box addresses. Products with lithium

batteries cannot be shipped to APO/DPO/FPO addresses.

iv. Merchandise shippable by UPS or UPS Sure post will be available to all US territories. Items

being shipped to Alaska, Hawaii, Puerto Rico, Guam, and the US Virgin Islands may have

additional freight charges. The administrator will contact Cardholder to conﬁrm any

additional Points that must be redeemed to cover additional freight charges.

v. Merchandise pictured in any 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 Administrator’s knowledge. The Sponsor and the

Administrator are not responsible for errors or omissions.

vi. The number of Points required for reward items is subject to change.

vii. 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 a Cardholder 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.

viii. All merchandise is covered by the 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

i. 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 it

is within the United States and its territories. Delivery times may increase during peak

holiday periods. Please check the ship to address on your order before submitting. Please

conﬁrm whether you are ordering physical or eGift Cards before submitting. Once placed,

we cannot cancel or modify your order. ii. Physical Gift cards/certiﬁcates and eGift

Cards/Gift codes cannot be returned and are not redeemable for cash or credit.

ii. 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 Cards/Gift Codes will not be

replaced, including codes sent to an incorrect email address. Please conﬁrm the email

address for your order before placing.

iii. At check out, you will need to supply your email address. To ensure deliver y of your eGift

Card conﬁrmation email, please take a moment to add noreply@vcdelivery.com and

gc@vcdelivery.com to your Address Book or Safe List. You will receive an email containing

a link to your eGift Card within 72 hours. The email will come with instructions on how to

access your eGift Card and how to redeem at the participating retailer or partner.

iv. 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 more than

the amount of the gift cards are at the Cardholder’s expense.

v. 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.

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

vii. If a merchant declares bankruptcy the Sponsor and Administrator are not liable for the

underlying funds on the gift card or certiﬁcate.

viii. Once the gift card or certiﬁcate is redeemed and/or used, the gift card or certiﬁcate is not

returnable, exchangeable, or replaceable.

ix. Each merchant sets a policy regarding 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.

x. If gift cards or certiﬁcates have been ordered and not received by the Cardholder, the

Cardholder must notify the Administrator using the customer service number provided by

the Administrator. The Cardholder must notify the Administrator no earlier than thirty (30)

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 with its sole discretion may replace any non-received shipment, in which a

full balance remains on a gift card or gift certiﬁcate.

xi. 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

i. If available, support the greater good by choosing a Charity Choice donation eGift

certiﬁcate.

ii. By selecting a Charity Choice redemption, the Cardholder will receive an eGift certiﬁcate

via email to be redeemed at https://www.charitygiftcertiﬁcates.org/.

iii. With this eGift certiﬁcate, the Cardholder may designate the funds for up to three

charities of their choice, exclusively from the Administrator’s online list of over 250 major

charities and many local causes, totaling over 1000 in all. Follow the easy instructions

sent with the eGift certiﬁcate to donate the funds.

VII. Toll-Free Participant Access & Contact Information

For questions, concerns, or complaints, please contact the Administrator's customer service center at

800-657-8156. You should expect a response to all inquiries within 3 business days. Should a

voicemail need to be left, the call will be returned the following business day.

i. Customer service specialists are available Monday through Friday from 6 am to 11 pm ET,

Weekends from 6 am – 8pm ET.

ii. Travel redemption specialists are available Monday through Friday from 9am to 10pm ET,

Weekends from 9am to 5pm ET. After-hours emergency service is available 24/7 for trips within

the next 48 hours. Both centers will be closed on select holidays which will be published each

calendar year.

a) If you are unable to access the Program’s website, contact Sponsor call 800-328-

8797. To access the Program's website, Log into your DCU digital banking account

to access the Rewards Program by clicking the link on the account.