UCCU Smart Rewards Points
Terms and Conditions
REWARDS PROGRAM TERMS
Last updated: February 27, 2019
PLEASE REVIEW THESE TERMS CAREFULLY BEFORE PARTICIPATING IN THE REWARDS PROGRAM OR USING THE REWARDS PROGRAM WEBSITE. BY PARTICIPATING IN THE REWARDS PROGRAM OR USING THE REWARDS PROGRAM WEBSITE, YOU WILL HAVE INDICATED YOUR ACKNOWLEDGEMENT AND AGREEMENT TO BE GOVERNED BY EACH TERM, CONDITION, AND DISCLAIMER IN THE SERVICE AGREEMENTS. IF YOU DO NOT AGREE TO THE TERMS, CONDITIONS AND DISCLAIMERS IN THE SERVICE AGREEMENTS, YOU ARE NOT AUTHORIZED TO PARTICIPATE IN THE REWARDS PROGRAM OR USE THE REWARDS PROGRAM WEBSITE.
“Contact Address” means P.O. Box 2600, Wilmington, NC 28402, Attn: Rewards Program“Participant” means a person or entity participating in the Rewards Program.“Points” means intangible personal property points provided by Velocity to Participants under the Rewards Program that are redeemable for Rewards.
“Rewards” means the rewards gifts catalogued on the Rewards Program Website for which Points may be redeemed in the Rewards Program.
“Rewards Program” means that rewards and incentive program administered by Velocity on behalf of Financial Institution through which the Rewards Program Website is made available to a Participant for Points redemption.
“Rewards Program Website” means that website maintained and administered by us from which you have accessed these Rewards Program Terms.
2. Terms and Conditions Subject to Change
We may add to, remove and/or reduce, terminate, or modify all or any portion of the Service Agreement(s) at any time in our sole discretion and without notice to you. Changes made will become effective from the “Last Updated” date at the top of this page or by writing to our Contact Address. You are responsible for making sure you have the most current version of all Terms and Conditions. Terms and Conditions may be amended only by us as described above, and not through any course of dealing or oral communications. Our acceptance, debit, or deposit of any payment made by you to us or notation on any document sent by you to us does not constitute an amendment of any Service Agreement by us.
3. Eligible Participants; Obligations of Participants
Only United States residents who are 18 years of age or older and business entities having their principal office in the United States may participate in the Rewards Program. Velocity reserves the right at any time to further limit participation in the Rewards Program.
Participants must only participate in the Rewards Program if and to the extent such participation is permitted by such laws, rules and regulations. Velocity may refuse to enroll a Participant, or to restrict, modify or terminate a Participant’s participation in the Rewards Program, without liability to the Participant or any other party, if a Participant violates any law, rule or regulation, or if a Participant’s participation in the Rewards Program could violate any law, rule or regulation. Participants agree to comply with all applicable laws, rules and regulations when accessing and participating in the Rewards Program.
Participants must provide accurate and true information to Velocity at all times and must promptly notify Velocity of any change in shipping address (mail or email) by updating their personal information at the Rewards Program Website. To view and access Rewards and to redeem Points for available Rewards, you must have and maintain an operational email account able to receive notices and correspondence relating to the Rewards Program.
Participants must not abuse Rewards Program privileges by engaging in conduct that is detrimental to Velocity or the Program Sponsor, including, without limitation, attempting to earn Points or redeem Points through fraudulent or unethical means, or in a manner inconsistent with or contrary to the Terms and Conditions. If you attempt to abuse the Rewards Program, or fail to comply with the Terms and Conditions, Velocity may, without limitation, cancel and void all Points and related certificates, terminate your participation in the Rewards Program, and/or cancel any MRPC Program Debit Card belonging to you or an Account Holder. Velocity shall be the sole arbiter in cases of suspected abuse, fraud or violation of its rules and any decision it makes relating to termination of participation (including cancellation of Points) shall be final and binding.
4. Redemption of Points
All Points are either (i) electronically deposited to your Rewards Program account if this option is made available by your Program Sponsor (this method of electronic deposit of Points is referred to herein as “eDeposit” and may or may not be available for your particular Rewards Program and/or your particular Program Sponsor); or (ii) evidenced by certificates issued by Velocity which contain a unique certificate number and a specific number of Points. Points received by eDeposit are herein referred to as “eDeposit Points”, while Points evidenced by certificates are herein referred to as “certificated Points”.
Points are redeemed through the Rewards Program Website, or by submitting a paper order form which may be obtained by calling the number listed under ‘Contact Us’, and may be submitted via standard mail sent to our Contact Address. Points may be redeemed only for Rewards offered by Velocity that are available at the time of redemption. POINTS MAY NOT BE REDEEMED FOR CASH,
CHECK OR CREDIT. POINTS HAVE NO CASH VALUE. At the time of redemption, Participants may be asked for identification suitable to Velocity in its discretion. ALL POINTS EXPIRE TWO YEARS FROM THE FIRST DAY OF THE MONTH IN WHICH THE POINTS WERE ISSUED AND UPON SUCH EXPIRATION BECOME VOID, UNLESS OTHERWISE STATED ON A CERTIFICATE, OR NOTIFIED TO YOU IN WRITING. NO REPLACEMENTS WILL BE MADE FOR LOST, STOLEN OR DAMAGED CERTIFICATES.
Points will be subtracted from a Participant’s account once a Reward is requested, and any certificates representing those Points will become void once redeemed. A Participant may not cancel the order or substitute another Reward for the one ordered except as otherwise provided in these Rewards Program Terms. No refunds of Points will be made for any reason. If you reverse a transaction made with or purchased with your Rewards Program Debit Card (e.g. you return an item you purchased with your Program Debit Card back to a merchant), the statement credit you receive in your Rewards Program eligible checking account will cause Points earned from the purchase transaction to be deducted from your Program account.
5. Product Exchanges
Product exchanges will be made upon the following terms and conditions:
a. For item(s) damaged prior to receipt by the Participant, the Participant may (a) contact member services for the program for assistance, or (b) mail the item(s) to the address specified by Velocity on the return form included in the product shipment or specified on this website, and enclose a notation indicating the problem with the item(s). Replacement item(s) will be sent to the Participant, and the postage required for the return will be refunded to the Participant.
b. For item(s) not damaged, but for which the Participant desires a replacement, the Participant may exchange the item(s) for any other item(s) then currently available for the same number of Points or for a lesser number of Points. If the exchange is for an item available for a lower number of Points, no Points will be refunded. The Participant may return the exchanged item(s) to the address specified by Velocity on the return form included in the product shipment or specified on this website and must enclose $3.50 for postage and handling. Velocity will replace the returned item(s) with the requested item(s). The cost of the return postage will not be refunded to the Participant.
Notwithstanding anything to the contrary:
No returns or exchanges will be accepted for any reason after 90 days from the date of the order.
No Points will be refunded or redeposited in the event of any return or exchange.
If an item requested to be sent as a replacement or exchange is not available, then Velocity reserves the right to substitute another item of equal or greater value (as determined by Velocity).
6. Rewards Subject to Availability and Provider Requirements
Velocity strives to maintain adequate inventories of Rewards. However, items are occasionally discontinued or unavailable.
You may only use Points for Rewards that are currently available. Certain Rewards may only be available for specific time periods. Some Rewards may have additional terms and conditions specific to such Reward; the detailed terms and conditions for a specific Reward are available on the Rewards Program Website or by written request sent to our Contact Address.
Velocity reserves the right to replace any Reward item ordered with an item of equal or greater value (as determined by Velocity). Velocity also reserves the right from time to time to increase the number of Points required for certain items and to correct any errors in Rewards Program catalogs or on the Rewards Program Website without notice.
When you use or redeem Points to receive Rewards, you release us and all of our affiliates from any and all liability for your use of Points, for your use of the Rewards, and for your participation in the Rewards Program.
7. Shipping and Delivery
To the extent we make shipping and delivery available, we will pack Rewards item(s) in accordance with our standard practices. You may be provided with available options to choose the method of shipment and timing of delivery for the applicable item(s) ordered, and in such an event, you will be charged shipping and handling charges accordingly. Title to item(s) and risk of loss will pass to you upon our delivery of item(s) to the carrier. Scheduled shipment dates are generally estimates only; however, we anticipate that we will make commercially reasonable efforts to meet the scheduled shipment dates, but in no event will we be liable for any loss, damage, or penalty resulting from any delay in shipment or delivery.
8. Non–Transferability of Points
Points may not be transferred voluntarily or involuntarily to any other person or account. Points are void if transferred. Points may not be sold, bartered or exchanged. Additionally, Points cannot be transferred by operation of law, including, without limitation, by inheritance, in bankruptcy or in connection with a divorce.
9. Account Number Masking
For security reasons, your full Account number, full Social Security Number and certain other identifying data will not be stored by us anywhere, including on the Rewards Program Website. You acknowledge and consent to our use of a masked account number (for example, “*****6789” instead of “123456789”) as a true and accurate representation of your full Account number for all correspondence, confirmation emails, and cancellation emails.
10. Termination of Accounts; Discontinuation of Rewards Program
If a Participant objects to any portion of the Terms and Conditions, or any subsequent modifications thereto, or become dissatisfied with the Rewards Program, the Participant’s only recourse is to immediately discontinue participation in the Rewards Program and terminate the Participant’s relationship with Velocity. At such time, all Points will be forfeited.
Velocity reserves the right to terminate any Participant’s account if that Participant has been inactive for any given period of 24 consecutive months. A Participant shall be considered “inactive” for such time as the Participant has not added Points or certificates for Points to the Participant’s account or redeemed Points for rewards. Upon termination of an inactive account, the accrued Points will be cancelled.
Velocity reserves the right to change, modify or discontinue the Rewards Program with or without notice to the Participant. Velocity shall not be liable to the Participant should Velocity exercise its right to modify or discontinue the Rewards Program.
11. Disclaimer of Warranties Specific to Rewards Program
YOU EXPRESSLY AGREE THAT YOUR USE AND PARTICIPATION IN THE REWARDS PROGRAM IS AT YOUR SOLE RISK. YOU ACKNOWLEDGE THAT THE REWARDS PROGRAM IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. WE, THE PROGRAM SPONSOR, AND OUR LICENSORS AND VENDORS ARE NOT RESPONSIBLE FOR ANY ERRORS OR OMISSIONS OR FOR ANY INFORMATION OR CONSEQUENCES RESULTING FROM YOUR USE OF THE REWARDS PROGRAM. MOREOVER WE, THE PROGRAM SPONSOR, AND OUR LICENSORS AND VENDORS ARE NOT RESPONSIBLE FOR ANY TECHNICAL ISSUES EXPERIENCED BY YOU. WE, THE PROGRAM SPONSOR, AND OUR LICENSORS AND VENDORS MAKE NO AND EXPRESSLY DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, REGARDING THE PROGRAM, INCLUDING THE WARRANTY OF TITLE AND THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NONINFRINGEMENT. WITHOUT LIMITING THE GENERALITY OF THE FOREGOING, WE, THE PROGRAM SPONSOR, AND OUR LICENSORS AND VENDORS DISCLAIM ANY WARRANTIES REGARDING THE OPERATION, PERFORMANCE OR FUNCTIONALITY OF THE REWARDS PROGRAM (INCLUDING, WITHOUT LIMITATION, THAT THE SERVICE WILL OPERATE WITHOUT INTERRUPTION OR BE ERROR FREE). YOU FURTHER ACKNOWLEDGE THAT THERE ARE CERTAIN SECURITY, CORRUPTION, TRANSMISSION ERROR AND ACCESS AVAILABILITY RISKS ASSOCIATED WITH USING OPEN NETWORKS SUCH AS THE INTERNET AND/OR TELECOMMUNICATION LINES OR CIRCUITS. YOU HEREBY ASSUME ALL RISKS RELATING TO THE FOREGOING.
12. Limitation of Liability Specific to Rewards Program
WE SHALL NOT BE LIABLE FOR ANY DAMAGES, WHETHER DIRECT, INDIRECT, INCIDENTAL, PUNITIVE, SPECIAL OR CONSEQUENTIAL, RELATING TO THE REWARDS PROGRAM, THE PRODUCTS FOR WHICH POINTS ARE REDEEMED, OR ANY CONSEQUENCES FLOWING THEREFROM OR RELATED THERETO, INCLUDING LOST PROFITS. SOME STATES DO NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES SO THE ABOVE LIMITATION OR EXCLUSION MIGHT NOT APPLY TO YOU.
OUR LIABILITY SHALL BE LIMITED TO DIRECT DAMAGES SUSTAINED BY YOU AND ONLY TO THE EXTENT SUCH DAMAGES ARE A DIRECT RESULT OF OUR GROSS NEGLIGENCE OR WILLFUL MISCONDUCT; PROVIDED THAT THE MAXIMUM AGGREGATE LIABILITY OF US AND OUR DIRECTORS, OFFICERS, MEMBERS, MANAGERS, EMPLOYEES,INDEPENDENT CONTRACTORS, SHAREHOLDERS, REPRESENTATIVES AND AGENTS RESULTING FROM ANY SUCH CLAIMS, EITHER JOINTLY OR SEVERALLY, SHALL NOT EXCEED ONE HUNDRED DOLLARS ($100.00). This limitation of liability is a bargained-for exchange in connection with our permitting your participation in the Rewards Program.
OUR THIRD PARTY BENEFIT PROVIDERS, LICENSORS, VENDORS, AND THE PROGRAM SPONSOR WILL NOT BE SUBJECT TO ANY LIABILITY TO YOU IN CONNECTION WITH ANY MATTER WHATSOEVER.
We are not responsible for any damages or losses that result from participating or being unable to participate in the Rewards Program, or reliance on or use of information, services or merchandise provided on or through the Rewards Program.
We are not responsible for any actions, representations or omissions of Program Sponsors. No third party, including without limitation any Program Sponsor, shall have the authority or ability to change any term or condition of the Rewards Program, and Participant shall have no right to rely on any information from any third party with respect to the actual terms and conditions of the Rewards Program.
Participants acknowledge and agree that Velocity neither endorses the contents of Program Sponsor advertisements or websites, nor assumes responsibility or liability for the accuracy of material contained therein, or any infringement of third party intellectual property rights arising therefrom, or any fraud or other crime facilitated thereby.
Velocity is not responsible and assumes no liability for any changes or discontinuances of services from providers, which may affect offers or the accrual of Points.
ALL CLAIMS ARISING FROM THESE REWARDS PROGRAM TERMS MUST BE BROUGHT WITHIN NINETY (90) DAYS AFTER THE EVENT GIVING RISE TO THE CLAIM OCCURRED.
13. Tax Consequences
Participants are responsible for the tax consequences, if any, of their participation in the Rewards Program, and specifically the issuance, use, and redemption of Points. Velocity does not make any representations or warranties regarding any tax implications arising from the receipt of Points, the redemption of Points or participation in the Rewards Program. If the receipt of Points, the redemption of Points or participation in the Rewards Program results in any income tax or other tax liability to a Participant, all such tax liability will be borne by the Participant. Velocity disclaims all responsibility for any such taxes.
14. Force Majeure
In no event shall Velocity be liable or responsible for any breach, default, or delay in the performance of any of its obligations in connection with the Rewards Program occasioned by occurrences or contingencies considered “force majeure” including, but not limited to, delay caused by inability to obtain transportation, inability to obtain materials, delay in transit from a manufacturer or supplier or failure to make delivery by a manufacturer or supplier, shortage of fuel, failure of technology, failure of sources of supplies, breach or default by a supplier, strike, lock out, labor disputes, disasters, fire, flood, accident, invasion, riot, war, revolution, embargo, restraint, acts of God, disease, epidemic, public health crisis, substantial increases in the price of goods, materials, parts, supplies, shipping costs, customs duties, taxes or other costs, failure of electronic equipment, software and/or Internet service, the value of the Chinese Yuan or other Chinese currency no longer being tied to the value of the United States dollar, demand of the United States or any other government, failure of Participant to perform its obligations under these Rewards Program Terms, or any other cause or contingency beyond Velocity’s control which shall prevent or materially impair Velocity from performing in the normal and usual course of its business in a profitable fashion.
Answers to Questions about UCCU Smart Rewards
1. How do I create an account?
An account will be created on your behalf. To claim your account, simply click “Start Here”.
Enter the required information and click ”Search”.
2. Do I need an email address for an account?
Yes, you must have an email address to create an account.
3. Does my account ever expire?
No, your account never expires.
4. What if I forget my password?
Simply click the “Sign In” button and enter your email address after “Forgot your Password?” Click “Request Password” and a new password will be emailed to you.
5. How do I earn points?
Eligible accounts will earn points when using your debit card for both in-store and online purchases. You’ll earn one point for every $1 spent with a signature or PIN transaction.
6. What is a certificate?
Every time you qualify, points will be issued in the form of a certificate. Certificates will automatically be deposited into your online rewards account each month.
7. How do I view my point balance?
When you sign in, your current point balance will be displayed at the top of the screen.
8. Do points expire?
The expiration date on the points is noted on the certificates screen. Points will be invalid at 12AM on that date, and cannot be redeemed for a reward. Their value will become 0.
9. How do I redeem points for a reward?
You can redeem rewards by clicking on the “Rewards” button. Search for products by category, number of points, or by keyword. Simply click on the reward you wish to order and click “Order”. Verify the shipping information and click the submit button. Then, confirm your order. Most rewards are shipped to arrive within 3 weeks.
10. Can I send my reward to someone other than myself?
Yes, simply enter a different address in the shipping information and your reward can be sent to someone else.
11. Do you ship to PO Boxes?
Yes, many of our rewards can be shipped to PO Box addresses. However, if you select one that is shipped via FedEx Ground you will be prompted to enter a physical address for delivery, as FedEx does not deliver to PO Box addresses.
12. How do I contact customer service?
Click Contact Us for the email address and phone number to our Customer Service department.
13. Why is my online banking login not working on this site?
Your user name and password for your UCCUsmartrewards.com account is not the same as your login and password for online banking through your financial institution.
eDeposit Frequently Asked Questions
1. My family has several accounts under different account holder names, and we would like to pool our certificates into one online rewards account. Is this possible?
Yes, you may link up to 5 different account numbers to one online rewards account. They do not have to have the same account holder names on them.
2. What if I need to remove one of the accounts from eDeposit due to an account closing or perhaps that person no longer wants to share points? Can accounts be removed?
Yes, you may add, update or remove linked accounts at any time by signing in to your online rewards account and clicking “My Account”, then “Click to view your eDeposit feature.” Scroll down to the area where your account numbers and zip codes are saved, and click “Remove” after the account number and zip code you would like removed. Enter the Security String and click “Save.”
3. What if I open another checking account at my financial institution at a later date, can I add that account to eDeposit at a later time?
Yes, you can add an account at any time by signing in to your online rewards account and clicking “My Account” to access the eDeposit feature. Once an account has been opened for at least 30 days it may be added to the site.
4. I have never had to enter my checking account number online before, will my information be safe?
Yes, when using the eDeposit feature you will notice some security features in place that must be completed for your information to be accepted, and we also have several internal features in place to safeguard the security of your account information.
Electronic Gift Card Questions
1. What is the difference between e-gift cards and regular gift cards?
E-gift cards are sent to you digitally in your rewards account, so that you may access them immediately after you have placed your order. Standard gift cards are mailed, and will ship from our warehouse within 5 business days after your order is placed. Delivery time subject to US Postal Service delivery process.
2. I placed my order, but did not receive the link for my selection. What should I do?
First, check your Junk Mail and/or Spam file for the email. If you do not see it in either or those areas, please call or email our customer service department.
3. Am I limited to how I use my e-gift card?
Redemption options vary by retailer. Depending on the e-gift card, they can be used in-store, online, via catalog or any combination of those. Please visit the retailer’s online website for specific gift card terms and conditions.
4. Can I redeem my e-gift card in a store using a mobile device?
Redemption options vary by retailer. Please visit the retailer’s online website for specific gift card terms and conditions.
5. How can I check the e-gift Card balance?
Check the terms and conditions on your e-gift Card for specific information on how to check a specific e-gift card balance.
6. Do I have to use the balance all at once? Or can I make multiple purchases at different times?
No, you may continue to use your e-gift card until the balance is zero. With some e-gift card codes, when you re-visit the retailer website after a purchase, you may see an updated balance for the new value of the e-gift card code. This may vary by brand.
7. Will my e-gift card expire?
Expiration dates may vary by retailer. Please read the terms and conditions for your e-gift card for more information.
8. If I want to print my e-gift card, do I need to use a special printer?
Most standard office and home printers are able to print e-gift cards. Quality of printing may vary by the printer used, however, the most important thing is that the code number below the e-gift card print clearly.
9. Do I need to print the e-gift card in color?
No, the e-gift card does not need to be printed in color.
10. What happens if I lose the e-gift card I printed?
You can always access your e-gift card information by clicking “Order History” when you are signed into your rewards site and selecting the appropriate gift card in your history.
11. My e-gift card instructions include using a secret code. Where do I find this?
Some e-gift cards require a secret code in order to be accessed. If you were issued a code, it will be found in your e-gift card redemption instructions. You will be prompted to input your secret code when you try to open your e-gift card.
12. What if I lose my secret code?
You can always access your secret code by clicking the “Order History” option and selecting the appropriate gift card in your order history.
Terms and Conditions