Terms & conditions  

SmarterBucks Rewards Program:
Standard Account and Gifter Account
Terms & Conditions

SimpleTuition, Inc.
268 Summer Street
Boston, MA 02210

Standard Account terms & conditions

Definitions

In these terms and conditions, the following terms have the meanings set forth below:

Enrollment

By enrolling in the SmarterBucks rewards program and accepting these terms and conditions, you acknowledge, agree and certify that (i) you are at least 18 years of age; (ii) you have read and understand the information contained in these terms and conditions; (iii) you agree to be bound by these terms and conditions; and (iv) the information provided by you in connection with your enrollment in the SmarterBucks rewards program is true and accurate to the best of your knowledge and belief.

Do not accept these terms and conditions before you read the entire agreement

Eligibility

  1. General. You may only enroll in the SmarterBucks rewards program and have a SmarterBucks account if you are a natural person, at least 18 years of age, and are using the SmarterBucks account for personal, family or household purposes.
  2. Eligibility to earn SmarterBucks. All registered SmarterBucks accounts in good standing remain eligible to earn SmarterBucks SmarterBucks reserves the right to suspend or cancel your SmarterBucks account for any reason.

Qualified Marketplace purchases

  1. The "SmarterBucks Marketplace".
    1. The "SmarterBucks Marketplace" is available to you as long as you have registered for a SmarterBucks Account. By participating in the "SmarterBucks Marketplace," you acknowledge that you have read, understand, and agree to be bound by these Terms and Conditions.
    2. We reserve the right to terminate the "SmarterBucks Marketplace" or portions thereof at any time without restriction or penalty. This means that regardless of a participant's level of activity in the program, the ability to accumulate SmarterBucks can be terminated with or without prior notice. The redemption value of SmarterBucks already accumulated may be changed at any time without notice and without restriction or penalty.
  2. Fees. There are no membership fees to participate in the "SmarterBucks Marketplace". Some of the businesses that will participate in the "SmarterBucks Marketplace" by rebating a portion of participants' purchases at or with those businesses (each a "Participating Merchant") may charge fees with respect to some of their offers related to the "SmarterBucks Marketplace". Any such fees will be disclosed in the description of those Participating Merchants' offers, and each Participating Merchant reserves the right to change such fees or institute new or additional fees in the future.
  3. SmarterBucks and Participating Merchants. As a result of your participation in the SmarterBucks Rewards Program, you will accumulate SmarterBucks through all Qualified Purchases made through the "SmarterBucks Marketplace". All SmarterBucks will appear on your SmarterBucks Account based on Participating Merchant’s delivery of eligible reward data. Participating Merchants may impose conditions or restrictions different from, or in addition to, those described on the pages of the SmarterBucks website or in other promotional materials. The SmarterBucks Rewards Program is not responsible for setting or maintaining the amount of the SmarterBucks offered by any Participating Merchant or for requirements of any Participating Merchant's program or offer. Each Participating Merchant has reserved the right to change at any time, and without notice, the amount or percentage of any SmarterBucks it offers as well as the terms and conditions of any qualifying purchase. Your continued use of the SmarterBucks Rewards Program thereafter will constitute acceptance of such terms and conditions. The SmarterBucks Rewards Program does not represent or warrant that any particular Participating Merchant will participate in the "SmarterBucks Marketplace" at the time you join the SmarterBucks Rewards Program or at any time thereafter. For the purposes of the "SmarterBucks Marketplace", a purchase is a "Qualifying Marketplace Purchase" once all conditions in a Participating Merchant's offer with respect to that purchase, including any waiting periods, have been satisfied.
  4. Future categories of qualified Marketplace purchases. We reserve the right to establish additional types of qualified purchases from participating merchants. SmarterBucks offers from participating merchants could be made available in a variety of ways including on the SmarterBucks website, at simpletuition.com , or via email offers. We will post:
    1. Any terms and conditions specific to qualified purchases from the participating merchants; and
    2. Any terms and conditions regarding how SmarterBucks are earned on qualified purchases from the participating Marketplace merchants at the SmarterBucks website.
  5. We have no responsibility for the goods or services you purchase. You agree that SimpleTuition is not an agent of any retailer, service provider or merchant (regardless of whether such retailer is or may become a participating merchant) from whom you may make a qualified purchase. We are not in any way affiliated or under common control with, nor do we own or otherwise control any retailer, service provider or merchant from whom you may make a qualified purchase. Your purchase from or participation in any offers or promotions of, or correspondence with, any retailer, service provider or merchant (including those who are or may become a participating merchant) is solely between you and that party. We do not assume any liability, obligation or responsibility for any part of any such correspondence, offer or promotion, including without limitation the withdrawal or modification of any such offer or promotion or for the quality, merchantability or fitness for a particular purpose of any good or service that you may purchase from such retailer, service provider or merchant. Also, no such retailer, service provider or merchant (even if such party is or may become a participating merchant) assumes any liability, obligation or responsibility for our conduct with respect to the SmarterBucks rewards program.
  6. No Responsibility for Participating Merchants. You agree that we are not an agent of any Participating Merchant and that Participating Merchants operate independently of us, and are not under our control with respect to the SmarterBucks Rewards Program or otherwise. Accordingly, we do not represent or warrant, or give any assurances that any Participating Merchant will provide SmarterBucks for any particular transaction even where such transaction would appear to qualify for such SmarterBucks under either the SmarterBucks Rewards Program or Participating Merchant terms and conditions or statements. We are not responsible for the failure of any Participating Merchant to pay SmarterBucks in accordance with the terms of that Participating Merchant's offer. Further, your participation in offers or promotions of, or correspondence with, any Participating Merchant is solely between you and that Participating Merchant. We do not assume any liability, obligation or responsibility for any part of any such correspondence, offer or promotion, including without limitation the withdrawal or modification of any such offer or promotion. Also, no Participating Merchant assumes any liability, obligation or responsibility for our conduct with respect to the "SmarterBucks Marketplace".
  7. Merchant Rebates. In the case of certain online Participating Merchants ("Online Affiliates"), the Online Affiliates have agreed to pay us certain affiliate or referral fees when participants purchase goods or services from such Online Affiliates through the SmarterBucks website. SmarterBucks associated with any purchase from an Online Affiliate will not be earned by you unless and until the SmarterBucks Rewards Program has been paid by such Online Affiliate to the SmarterBucks Rewards Program. From time to time, the SmarterBucks Rewards Program may post pending SmarterBucks from Online Affiliates to your SmarterBucks Account prior to the payment of the associated affiliate to the SmarterBucks Rewards Program. We reserve the right to reverse the posting of any SmarterBucks in the event the applicable Online Affiliate does not make timely payment to the SmarterBucks Rewards Program. We reserve the right to change any offer with respect to the amount of the SmarterBucks associated with any Online Affiliate at any time, but no such change will affect any SmarterBucks earned prior to such change.

Earning SmarterBucks on qualified Marketplace purchases

  1. Posting of SmarterBucks generated from Qualified Marketplace Purchases: We will post SmarterBucks to your SmarterBucks account on our records. The SmarterBucks website will display a summary of activity in your SmarterBucks account. Generally, SmarterBucks will be posted to your SmarterBucks account as "pending" within a short time after we receive information concerning the qualified purchase from our third party vendors. Pending SmarterBucks will be updated to "earned" status within ninety (90) days after they are posted to your SmarterBucks account as pending. Some qualified purchases from participating merchants may take longer than 90 days to reach "earned" status. We will not be liable for damages resulting from any failure to post SmarterBucks to your SmarterBucks account in a timely manner. You acknowledge and accept that you are solely responsible for checking your SmarterBucks account regularly to verify that SmarterBucks have been properly posted. If you believe that any SmarterBucks have not been properly posted to your SmarterBucks account, then you must inform us within one (1) year of the date of the qualified purchase for which you are claiming that SmarterBucks should have been posted and must be able to provide proof of such qualified purchase acceptable to us. We reserve the right to determine whether SmarterBucks should have been posted to your SmarterBucks account. You acknowledge that any such determination by us will be final and binding.
  2. Adjustments to your SmarterBucks account and Qualified Marketplace Purchases. In the event of any abusive or fraudulent activity related to the SmarterBucks rewards program, we reserve the right to make any adjustments to your SmarterBucks account and/or the SmarterBucks in your SmarterBucks account in accordance with these terms and conditions, or any applicable laws, rules or regulations. If you cancel, chargeback or reverse a qualified purchase that generated SmarterBucks, we will deduct from your SmarterBucks account the amount of SmarterBucks corresponding to the amount of the chargeback, or reversal using the current accrual calculation for that type of qualified purchase. In the event that this reversal results in your SmarterBucks account having a negative balance, we may apply future earned SmarterBucks against such obligation. We reserve the right to rescind SmarterBucks and to bar further accrual of SmarterBucks, and/or terminate your enrollment in the SmarterBucks rewards program, if we believe in our discretion that you are abusing or have abused the SmarterBucks rewards program, including, without limitation, by engaging in fraudulent activities, by engaging in a pattern of returning products after the corresponding SmarterBucks has been posted or redeemed, by creating or attempting to create or participating in any market in SmarterBucks, by engaging in or accepting any broad-based solicitation of SmarterBucks or by attempting to receive SmarterBucks from transactions that have not been made by you. We will notify you if we determine you have engaged in any such activities, and in such event you agree to forfeit any and all SmarterBucks in your SmarterBucks account.
  3. No Cash Value; No Interest. SmarterBucks have no cash value, and are not transferable except as otherwise expressly provided in these terms and conditions, and you will not be entitled to receive interest on SmarterBucks.
  4. Abandonment of SmarterBucks. Each state has its own escheatment law which requires companies to turn over to the state property of its residents that the state deems to be unclaimed or abandoned. If your SmarterBucks account has not had any activity, as defined by your state of residence according to our records, for a certain period of time (generally three to five years), we may be required by law to remit your earned SmarterBucks to the state of your last known address. If we remit funds to your state of residence as required by law, you will need to contact the state directly to obtain the funds.

Qualified Debit Card purchases

All SmarterBucks customers at least 18 years of age are eligible to apply for a Radius Checking account with our banking partner, Radius Bank (the “Bank”) to earn SmarterBucks on qualified debit card purchases. To earn SmarterBucks on qualified purchases, you must first apply for the Radius Checking account through your SmarterBucks online account. This application is subject to approval by the Bank, and subject to the Bank’s Terms and Conditions, a copy of which will be supplied to you by the Bank during the account application process. Once the Radius Checking account is approved and funded, a debit card will be supplied, which can be used anywhere MasterCard® is accepted. All SmarterBucks customers that have an active Radius Checking account in good standing are eligible to earn SmarterBucks by making qualified purchases with their Radius Bank debit card. Qualified debit card purchases are all non-PIN based transactions, which includes: signature purchases (purchases using your PIN code do not earn SmarterBucks); internet purchases; phone and mail order purchases; and contactless purchases (purchases made by holding your Radius Bank debit card up to a secure reader instead of swiping it through a terminal). Any goods or services purchased with the Radius Bank debit card that are returned or otherwise credited to your Radius Checking account are not qualified purchases. Unlawful purchases and purchases of currency, cash or cash equivalents (including, without limitation, currency from the U.S. Mint, Travelers Cheques, gift cards, prepaid debit cards or other cash equivalents) made with your Radius Bank debit card are not qualified purchases. We may require you to provide documentation to validate that certain purchases are qualified purchases. We reserve the right to exclude qualified purchases that we determine are not made for your personal, family or household purposes or are not made with the good faith intention of your consuming the item purchased. An Radius Checking account that is closed, inactive, dormant, frozen, or subject to litigation or any adverse (or conflicting) claim of any third party will not be eligible to earn SmarterBucks through qualified debit card purchases. SmarterBucks and Radius Bank withhold the right to modify or discontinue this program at any time.

Earning SmarterBucks on Qualified Debit Card Purchases

  1. Earning SmarterBucks on Qualified Debit Card Purchases: Qualified debit card purchases will earn 1.00% of the total purchase dollar amount in SmarterBucks
  2. Posting of SmarterBucks generated from Qualified Debit Card Purchases: We will post earned SmarterBucks to your SmarterBucks account on our records. The SmarterBucks website will display a summary of activity in your SmarterBucks account. Generally, SmarterBucks will be posted to your SmarterBucks account one day after the purchase has been made, when we receive information concerning the qualified purchase from our bank partner. We will not be liable for damages resulting from any failure to post SmarterBucks to your SmarterBucks account in a timely manner. You acknowledge and accept that you are solely responsible for checking your SmarterBucks account regularly to verify that SmarterBucks have been properly posted. If you believe that any SmarterBucks have not been properly posted to your SmarterBucks account, then you must inform us within one (1) year of the date of the qualified purchase for which you are claiming that SmarterBucks should have been posted and must be able to provide proof of such qualified purchase acceptable to us. We reserve the right to determine whether SmarterBucks should have been posted to your SmarterBucks account. You acknowledge that any such determination by us will be final and binding.
  3. Adjustments to your SmarterBucks account and Qualified Debit Card Purchases. In the event of any abusive or fraudulent activity related to the SmarterBucks rewards program, we reserve the right to make any adjustments to your SmarterBucks account and/or the SmarterBucks in your SmarterBucks account in accordance with these terms and conditions, or any applicable laws, rules or regulations. If you cancel, chargeback or reverse a qualified debit card purchase that generated SmarterBucks, we will deduct from your SmarterBucks account the amount of SmarterBucks corresponding to the amount of the chargeback, or reversal using the current accrual calculation for that type of qualified purchase. In the event that this reversal results in your SmarterBucks account having a negative balance, we may apply future earned SmarterBucks against such obligation. We reserve the right to rescind SmarterBucks and to bar further accrual of SmarterBucks, and/or terminate your enrollment in the SmarterBucks rewards program, if we believe in our discretion that you are abusing or have abused the SmarterBucks rewards program, including, without limitation, by engaging in fraudulent activities, by engaging in a pattern of returning products after the corresponding SmarterBucks has been posted or redeemed, by creating or attempting to create or participating in any market in SmarterBucks, by engaging in or accepting any broad-based solicitation of SmarterBucks or by attempting to receive SmarterBucks from transactions that have not been made by you. We will notify you if we determine you have engaged in any such activities, and in such event you agree to forfeit any and all SmarterBucks in your SmarterBucks account.
  4. No Cash Value; No Interest. SmarterBucks have no cash value, and are not transferable except as otherwise expressly provided in these terms and conditions, and you will not be entitled to receive interest on SmarterBucks.
  5. Abandonment of SmarterBucks. Each state has its own escheatment law which requires companies to turn over to the state property of its residents that the state deems to be unclaimed or abandoned. If your SmarterBucks account has not had any activity, as defined by your state of residence according to our records, for a certain period of time (generally three to five years), we may be required by law to remit your earned SmarterBucks to the state of your last known address. If we remit funds to your state of residence as required by law, you will need to contact the state directly to obtain the funds.

SmarterBucks Surveys

The SmarterBucks Survey Program is offered via a partnership between SmarterBucks and United Sample Inc., whose principal place of business is 16501 Ventura Blvd., Suite 250, Encino, CA. The SmarterBucks Survey Program offers SmarterBucks members the opportunity to participate in “Surveys”. The SmarterBucks Survey Program is accessible from a link off of your SmarterBucks secure dashboard or via specified emails from SmarterBucks. Based on your profile information, you will be matched to unique Survey opportunities. SmarterBucks members may take as many or as few Surveys as they would like, and earn SmarterBucks for their input. Each Survey has its own set of eligibility requirements and participants must ensure compliance with such eligibility requirements before enrolling to take such a Survey. Surveys must be completed in good faith and to the best of the member’s ability. SmarterBucks members who successfully complete a Survey in accordance with all applicable terms and conditions of the relevant Survey (a “Completed Survey”) will receive SmarterBucks based on the reward values assigned to each Survey as identified on the SmarterBucks Survey Program homepage or via a SmarterBucks email. A member may only complete one Survey at one time. A summary of a member’s SmarterBucks account activity, including pending and earned Survey rewards, may be viewed within the SmarterBucks member’s secure SmarterBucks account.

Good-Faith Participation in SmarterBucks Survey Program

You agree to participate in good faith and to the best of your ability in any market research activities associated with the SmarterBucks Survey Program. You will not provide false or misleading data, including without limitation, Survey responses that are inconsistent with prior responses or statistically improbable. Without limiting any other remedies, the SmarterBucks Survey Program may suspend or terminate any rewards in Pending or Earned status accumulated by the action of taking a Qualified Survey if we suspect in our sole discretion that any member or other person associated to that said member has engaged in fraudulent activity in connection with the Survey. The sale, barter, transfer or assignment of accumulated SmarterBucks, earned via the SmarterBucks Survey Program is strictly prohibited. Any SmarterBucks rewards that the SmarterBucks Survey Program deems in its sole discretion to have been transferred, sold, bartered or assigned in violation of the Program’s Rules may be confiscated and/or cancelled.

Fees for the SmarterBucks Survey Program

There is no fee to participate in the SmarterBucks Survey Program at this time. The SmarterBucks Survey Program may, in its sole discretion, elect to charge fees for participating in the Services, or to use or access any other Services, at any time. If it does, it will update this Agreement to reflect such fees.

Earning SmarterBucks on Qualified Surveys

All registered SmarterBucks accounts in good standing are eligible to earn SmarterBucks upon completion of eligible, Qualified Surveys. A Qualified Survey must be successfully completed and approved by the SmarterBucks Survey Program in accordance with all applicable terms and conditions of the relevant Survey. Each Qualified Survey completed will earn SmarterBucks in accordance with the earn rate advertised on the SmarterBucks Survey Program homepage or email correspondence. The amount of SmarterBucks earned via a completed Qualified Survey will vary based on individual offers. You understand that we may change the accrual calculation and/or establish different accrual calculations for different types of Qualified Surveys from time to time. Any such revision to the accrual calculation will be effective when posted to the SmarterBucks Survey Program homepage.

Posting of SmarterBucks on Qualified Surveys

SmarterBucks rewards generated from the completion of Qualified Surveys in the SmarterBucks Survey Program will be posted to the member’s SmarterBucks account that we have on record. These rewards will be displayed on the Activity page of your secure SmarterBucks account. Generally, SmarterBucks will be posted to your SmarterBucks account as "Pending" within a short time after we receive confirmation of the completed Survey from our Survey partner. Generally, Pending SmarterBucks will be updated to "Earned" status within ninety (90) days after they are posted to your SmarterBucks account. On occasion postings may take longer than 90 days to reach "Earned" status. We will not be liable for damages resulting from any failure to post SmarterBucks to your SmarterBucks account in a timely manner.

Redemption of SmarterBucks earned from the SmarterBucks Survey Program

The redemption process will follow all rules and payment terms outlined in the Terms and Conditions of the SmarterBucks Program as specified in the Redemption of SmarterBucks section within this document.

SmarterBucks Surveys Non-Use and Nondisclosure

Information and content made available to you through SmarterBucks Survey Program may contain trade secrets or other confidential or proprietary information of SmarterBucks and our suppliers and/or licensors. You must hold this information in strict confidence and not disclose to any other person any information and content that you access or learn in connection with your participation in any Survey, project, questionnaire, or other market research activity related to the Surveys. You must not use any such information or content for any purpose other than your participation in the Surveys in accordance with this Agreement. You hereby agree to notify SmarterBucks immediately if you learn of or suspect any use or disclosure of, or access to, any such information or content other than as specifically authorized in this Agreement.

SmarterBucks Surveys User Content

You may be asked to provide information to the SmarterBucks Survey Program in connection with your participation in market research or otherwise in connection with the Surveys, including providing Survey responses, ideas, feedback, or other information or content ("User Content").

By providing any User Content, you represent and warrant that you have the lawful right to provide it, and that it is accurate and complete. You must not provide any User Content or otherwise make any use of the Site that:

You further understand and agree that you have no ownership rights in materials you submit to us, to any account you may have with us or other access to the Surveys or features therein. The SmarterBucks Survey Program may cancel your account and delete all User Content associated with your account at any time, and without notice, if they deem that you have violated this Agreement, the law, or for any other reason. The SmarterBucks Survey Program assumes no liability for any information removed from the Surveys, and reserves the right to permanently restrict access to the Surveys or a user account.

You agree to indemnify and hold United Sample, SmarterBucks, the SmarterBucks Survey Program, its parents, subsidiaries, officers, employees, and website contractors and each of their officers, employees and agents harmless from any claims, damages and expenses, including reasonable attorneys' fees and costs, related to your violation of this Agreement, including the Posting Policy, or any violations thereof by your dependents or which arises from the use of User Content you submitted, posted, or otherwise provided to the SmarterBucks Survey Program.

SmarterBucks Surveys Third-Party Content

The Surveys may contain links or references to information, content, and services provided by third parties (collectively, "Third-Party Content"). The SmarterBucks Survey Program does not monitor or have any control over any Third-Party Content. The SmarterBucks Survey Program does not endorse or adopt any Third-Party Content and can make no guarantee as to its accuracy or completeness. The SmarterBucks Survey Program undertakes no responsibility to update or review any Third-Party Content, and does not represent or warrant the accuracy of any information contained in any Third Party Content. You use any Third Party Content contained therein at your own risk. Information you submit at a third party site accessible from this Site is subject to the terms of that site’s privacy policy and United Sample has no control over how your information is collected, used, or otherwise handled.

SmarterBucks Surveys Copyright, Trademarks, and Limited License

The Surveys and all content and other materials contained on or within the Surveys, including without limitation, all information, content, designs, text, graphics, information, data, software, Surveys, music, trademarks, product or service names, logos, slogans other files, and the selection and arrangement thereof (collectively, the “SmarterBucks Survey Program Content”), are the proprietary property of SmarterBucks and its suppliers and licensors and are protected in the U.S. and internationally under trademark, copyright, and other intellectual property laws. Reference to any products, services, processes or other information, by trade name, trademark, manufacturer, and supplier or otherwise does not constitute or imply endorsement, sponsorship or recommendation thereof by SmarterBucks and the SmarterBucks Survey Program.

You agree not to download, display or use any SmarterBucks Survey Program Content for use in any publications, in public performances, on websites other than the SmarterBucks Survey Program for any commercial purpose, in connection with products or services that are not those of SmarterBucks, in any manner that is likely to cause confusion among consumers, that disparages or discredits SmarterBucks, The SmarterBucks Survey Program and/or its licensors, that dilutes the strength of SmarterBucks or its licensor's property, or that otherwise infringes its licensor's intellectual property rights. You further agree to in no other way misuse any Third Party Content that appears on the Services.

Changes to SmarterBucks Survey Structure

The SmarterBucks Survey Program structure is subject to modification or limitation at any time at the Sponsor’s sole discretion, including, without limitation, the right to establish additional means of accruing SmarterBucks, the right to modify and delete any or all of the recognized means of accruing SmarterBucks existing at any given time, the right to change the SmarterBucks available and their values and types and the SmarterBucks redemption terms, and the right to exclude specific types of transactions from eligibility.

SmarterBucks Surveys Privacy

United Sample and The SmarterBucks Survey Program may collect registration and other information about you through the SmarterBucks Survey Program secure process. Please visit www.smarterbucks.com/privacy or www.smarterbucks.com/security for more information regarding the SmarterBucks Survey Program’s collection, use and disclosure of information.

Gifts of SmarterBucks

  1. Status of Gifts. SmarterBucks gifts from a SmarterBucks Gifter account that are in an "earned" status will be transferred to the Loan Holder's SmarterBucks Standard account once per month.
  2. Transaction Fee for Transference of Gifts. There is no fee to transfer SmarterBucks gifts.
  3. Posting of SmarterBucks Gifts. SmarterBucks that you gift will be posted to the SmarterBucks account of the SmarterBucks reward recipient as "earned gifted rewards" typically between the 10th and 20th of each month. (SimpleTuition reserves the right to change the date and the timeframe of such transfer from time to time).
  4. Tax consequences. You are solely responsible for determining and understanding the tax consequences of the gifting of SmarterBucks rewards as described above.

Redemption of SmarterBucks

  1. Designated student loan and servicer. As part of your SmarterBucks account, we will ask you to provide us with information about a designated student loan (the "loan"), including the loan account number and the name of the servicer of the loan (the "loan servicer"). By designating a loan and loan servicer you authorize us to redeem your SmarterBucks by making payments to the loan servicer to be applied as a payment on the loan. By designating a loan and loan servicer, and providing the requested information about your loan and loan servicer, you represent and warrant that the information is true, accurate and complete, and that you are at least eighteen (18) years of age and the primary borrower on the loan, and you expressly authorize SmarterBucks to instruct the servicer to apply SmarterBucks payments (described below) in accordance with the terms of your loan and /or any servicing guidelines (the "Student Loan Servicer Rules") followed by your loan servicer. In some cases the SmarterBucks loan payment will be applied directly to the principal balance as of the date your payment is applied. In other cases the payment will be applied in accordance with the Student Loan Servicer Rules that will guide the payment to be applied to any outstanding fees, then outstanding interest and then to the principal payment. To gain the full effect of the SmarterBucks program you acknowledge that you must maintain scheduled regular monthly payments. You understand that you are responsible for resolving any errors involving a misapplication of your SmarterBucks payments that are directly or indirectly caused by your failure to provide us with the correct information regarding your loan or the loan servicer during the enrollment process or your failure to inform us of any changes to the loan or loan servicer information provided during the enrollment process.
  2. Payments to loan servicer. Each month during the SmarterBucks processing period we will submit an additional payment to your loan servicer on your behalf, equal to the amount of earned SmarterBucks in your SmarterBucks account, including all SmarterBucks contributions from your SmarterBucks contributors that have posted to your SmarterBucks account. Your SmarterBucks balance in your SmarterBucks account will be reduced by an amount equal to the payment made to your loan servicer. If you have less than $10 worth of earned SmarterBucks in your SmarterBucks account as of the commencement of the SmarterBucks processing period, no payment will be made to your loan servicer.
  3. SmarterBucks rewards program and loan servicer rules. You understand that your enrollment in the SmarterBucks rewards program does not waive or relieve you of any responsibilities, duties, obligations or other covenants that you owe to or any representations or warranties that you may make to the loan servicer in connection with its servicing of your loan. In the event of any conflict between these terms and conditions and any loan servicer rules applicable to you in connection with the servicing of your loan, the loan servicer rules applicable to you shall control.
  4. No designated loan. If no loan is designated, the balance of earned SmarterBucks in your SmarterBucks account will carry over month to month. If you have not designated a loan for a period of one year, you will have the option of retaining your earned SmarterBuck balance in your SmarterBucks account, or requesting a payment (equal to your earned SmarterBucks balance as of the date requested) that is to be directed to you.
  5. Tax Consequences. You understand and agree that you alone are responsible for determining and understanding the tax consequences of the SmarterBucks reward program and the payments described above.

Cancellation and suspension of SmarterBucks rewards program

  1. Cancellation by you. You may terminate your participation in the SmarterBucks rewards program at any time.
  2. Cancellation by us. In the event of fraud or abuse of the SmarterBucks rewards program privileges or violation of these terms and conditions, we reserve the right to cancel your enrollment in the SmarterBucks rewards program.
  3. Actions that occur upon cancellation. Upon cancellation (either by you or us) of your participation in the SmarterBucks rewards program the following will occur:
    1. If cancellation occurs during the SmarterBucks processing period, and your earned SmarterBucks balance (including contributions made by your SmarterBucks contributors) is greater than the minimum payment amount of $10, then we will make one (1) final SmarterBucks payment to the loan servicer equal to the amount of all earned SmarterBucks (including those contributed by your SmarterBucks contributors) in your SmarterBucks account as of the date of the beginning of the SmarterBucks processing period. Any SmarterBucks "pending" but not yet "earned" as of the effective date of the cancellation will not be paid to the loan servicer.

      If cancellation occurs at any other time all other pending and earned SmarterBucks (other than any contributions made by your SmarterBucks contributors) will be forfeited and NOT paid to the loan servicer. If you have pending or earned contributions from a SmarterBucks contributor that have not yet been included in a loan payment, we will make one (1) final SmarterBucks payment to the loan servicer equal to the amount of these contributions only in your SmarterBucks account as of the effective date of the cancellation.
    2. You will no longer be able to login to your SmarterBucks account.
    3. You will no longer earn SmarterBucks for your qualified purchases.
    4. Any SmarterBucks Gifter accounts linked to your account will receive an email informing them of the cancellation of your involvement in the SmarterBucks rewards program and of their inability to make any further gifts to your SmarterBucks account.

Disclaimer of representations and warranties; limitations on liability

WE MAKE NO REPRESENTATIONS AS TO THE ACCURACY, QUALITY, TIMELINESS, AVAILABILITY, OR COMPLETENESS OF THE SMARTERBUCKS REWARDS PROGRAM OR THE INFORMATION, CONTENT, SOFTWARE, PRODUCTS, OR OTHER MATERIALS AVAILABLE THROUGH THE SMARTERBUCKS REWARDS PROGRAM. WE PROVIDE THE SMARTERBUCKS REWARDS PROGRAM ON AN "AS IS, AS AVAILABLE" BASIS AND WILL NOT BE LIABLE FOR ANY DAMAGES OR INJURY CAUSED BY YOUR USE OF THE SMARTERBUCKS REWARDS PROGRAM. YOU USE THE SMARTERBUCKS REWARDS PROGRAM AT YOUR OWN RISK. WE ARE NOT LIABLE FOR ANY FORM OF LOSS OR DAMAGE (INCLUDING WITHOUT LIMITATION DIRECT, INDIRECT, COMPENSATORY, CONSEQUENTIAL, INCIDENTAL, PUNITIVE, AND SPECIAL DAMAGES, EVEN IF KNOWN TO US) THAT MAY RESULT FROM YOUR USE OF THE SMARTERBUCKS REWARDS PROGRAM. WE EXPRESSLY DISCLAIM ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. ANY WARRANTY NOT SET FORTH IN THESE TERMS AND CONDITIONS WILL NOT BE VALID. IF ANY OF THE ABOVE PROVISIONS ARE VOID UNDER GOVERNING LAW, OUR LIABILITY SHALL BE LIMITED TO THE EXTENT PERMITTED BY LAW

Effective date and termination

The effective date of these terms and conditions is the date on which you accept these terms and conditions. These terms and conditions will remain in effect until terminated by you or us. We may terminate your enrollment in the SmarterBucks rewards program with or without cause at any time immediately after notice to you of such termination. Upon any termination of your membership, your SmarterBucks account automatically will be closed effective upon such termination.

Choice of law

These terms and conditions will be interpreted, governed and enforced under the laws of The Commonwealth of Massachusetts, without giving effect to its choice or conflicts of law provisions.

Collection and use of information

  1. General. Because we take your privacy seriously, we have created a comprehensive privacy policy that describes our information collecting and sharing practices and explains how we protect your information. For more information, please read our privacy policy posted at the SmarterBucks website.
  2. Collection of qualified purchase information. You acknowledge that in order to administer the SmarterBucks rewards program, we will collect information about you, and your qualified purchases from our partners. You authorize our partners to disclose to us any and all information with respect to your SmarterBucks account and your qualified purchases.
  3. Use and disclosure of information. You authorize us to use any such information and to disclose such information (a) to our representatives and agents, (b) to third parties, where necessary or convenient for our administration of the SmarterBucks rewards program, (c) to comply with requests, orders or subpoenas from courts of law or any regulatory, legislative or administrative bodies, and (d) otherwise in accordance with the terms of the privacy policy described above.

Sweepstakes

From time to time, SmarterBucks may offer you the chance to win giveaways on the site ("Sweepstakes"). Such Sweepstakes are provided subject to the rules posted on the Site. You can access the Rules by clicking www.smarterbucks.com/contest_rules .

Miscellaneous

  1. The SmarterBucks rewards program and its benefits are offered at our sole discretion. We reserve the right to cancel, terminate, change or temporarily suspend the SmarterBucks rewards program and to amend these terms and conditions at any time without notice. We may modify the SmarterBucks rewards program and these terms and conditions in any manner we choose, including without limitation, reducing or eliminating SmarterBucks earned; modifying the formula used to calculate how SmarterBucks are earned; or instituting new fees. We may provide notice of an amendment to these terms and conditions by means of a letter, electronic mail message, a notice of the amendment posted on the SmarterBucks website, or other lawful means. Any amendment will be effective as of the date established by us in the amendment, subject to applicable law.
  2. The SmarterBucks rewards program is void where prohibited by federal, state or local law.
  3. These terms and conditions constitute the entire agreement between you and us relating to the SmarterBucks rewards program, and supersede all prior contracts or agreements relating to the placement SmarterBucks rewards program.
  4. This agreement is not assignable, in whole or in part, by either party except by operation of law or as required by law.
  5. The headings in this agreement are inserted for convenience and identification only, and are not intended to describe, interpret, define or limit the scope or intent of this agreement or any clause hereof.
  6. You agree not to interrupt or attempt to interrupt the operation of the SmarterBucks website and the SmarterBucks rewards program in any way. You understand that unauthorized access to restricted areas of our website may be a criminal violation. You agree not to access such location(s), nor attempt to obtain or decrypt any passwords or other security protection associated with the SmarterBucks website. You will not impersonate any person or entity, misrepresent your affiliation with a person or entity; or misrepresent the origin of any content provided to us. You agree to comply with our rules and policies regarding use of our website, as published from time to time by us. You agree that your use of our website will at all times be for a lawful purpose and you agree to comply with all applicable laws and regulations in your use of our website. Possible evidence of use of our website for illegal purposes will be provided to law enforcement authorities. You agree not to reverse engineer, reverse assemble, decompile, create derivative works, modify, or otherwise attempt to derive the source code of our website or to copy (except as otherwise expressly permitted), modify or create derivative works of its content or any materials related to our website or the SmarterBucks rewards program.
  7. All content included on our website, including but not limited to trademarks and service marks, text, graphics, logos, button icons, images, video and audio clips, and software (collectively the "content") and the collection, arrangement and assembly of the content is the exclusive property of SimpleTuition, and is protected by applicable U.S. and international intellectual property laws including without limitation patent, trademark and copyright law. The content may not be used in any manner without our express written permission or as otherwise permitted by applicable law and, except as expressly set forth in these terms and conditions or permitted by applicable law, any use, including without limitation reproduction, modification, distribution, transmission, creation of derivative work(s), republication, display, reverse engineering, license, sale or performance of the content of this SmarterBucks website is strictly prohibited. Your use of any trademark, service mark, trade name, logo, icon and domain name displayed on the SmarterBucks website without our written permission, or the permission of other owners, is strictly prohibited.
  8. The SmarterBucks website contains software, photographs, graphics, text, images and other material (collectively "material") that are protected by copyright law. All such material also is copyrighted as a collective work under the copyright laws, and we own a copyright in the selection, coordination, arrangement, and enhancement of such material. You may not modify, remove, delete, augment, add to, publish, transmit, participate in the transfer or sale of, create derivative works from, or in any way exploit any of the material, in whole or in part. We grant you permission to electronically copy and print in hard copy portions of this SmarterBucks website (and to download software made available on the SmarterBucks website) solely for your personal use and in connection with researching the process of paying for your education and/or managing your education loan debts. Otherwise, you may not reproduce or distribute in any way material protected by copyright without obtaining our prior written permission. You may use, copy and distribute the materials and information on the site for internal, informational purposes only. Any copy you make of the material must bear any copyright, trademark, service mark or other proprietary notice that pertains to the material being copied.
  9. If you feel that any content on the SmarterBucks website infringes your copyrights, you may notify us by contacting us at the address set forth at the beginning of these terms and conditions. Please be sure to include the following information: (a) a description of the copyrighted work you allege is being infringed (and registration information if such work is registered with the copyright office); (b) the location of the allegedly infringing material on this website, (c) your signature (digital or hard-copy), (d) your address, telephone number, and e-mail address, and (e) a statement (notarized if possible and made under penalty of perjury) that: (i) you are the copyright owner or are authorized to act on the copyright owner's behalf; and (ii) you believe in good faith that the rights of the copyright owner are being infringed, and that the uses of the allegedly infringing material are not authorized (either by the copyright owner, its agents, or applicable law). We will take appropriate action after receipt of such information to appropriately address the copyright issues raised, including, if necessary, removal of any infringing material.
  10. Nothing contained on the SmarterBucks website is intended to constitute personal tax advice. The tax consequences of participation in the SmarterBucks rewards program will depend on your particular tax circumstances. You are responsible for obtaining your own tax advice with respect to participation in the SmarterBucks rewards program. You agree that we will not have any liability for any information contained on or omitted from the SmarterBucks website with respect to taxes and that we have no obligation to inform you of changes in the tax laws.
  11. You agree that all communication in connection with us regarding your SmarterBucks rewards program and your SmarterBucks account will be through electronic mail. You are responsible for updating us with your electronic mail address and other contact information to ensure that we have current, working contact information for you for such communications.
  12. We do not discriminate on the basis of age, race, national origin, gender, sexual orientation or religion.
  13. In no event shall any reference to any third party or third party product or service be construed as an approval, guarantee or endorsement by us of that third party or of any product or service provided by a third party.

Gifter Account terms & conditions

Definitions

In these terms and conditions, the following terms have the meanings set forth below:

Enrollment

By enrolling in the SmarterBucks rewards program as a SmarterBucks gifter and accepting these terms and conditions, you acknowledge, agree and certify that (i) your are at least eighteen (18) years of age; (ii) you have read and understand the information contained in these terms and conditions; (iii) you agree to be bound by these terms and conditions; and (iv) the information provided by you in connection with your enrollment in the SmarterBucks rewards program as a SmarterBucks gifter is true and accurate to the best of your knowledge and belief.

Do not accept these terms and conditions before you read the entire agreement eligibility

  1. Invitation. Enrolled SmarterBucks rewards program participants can use the SmarterBucks website to invite friends and family to become a SmarterBucks gift recipient. Once a participant invites someone to become a SmarterBucks gift recipient, we send the invited person an email invitation that will include a link to the SmarterBucks website. You may only enroll in the SmarterBucks rewards program as a SmarterBucks gifter if you are a natural person, aged eighteen (18) or older.
  2. Cancellation of enrollment by us. In the event of fraud or abuse of the SmarterBucks rewards program privileges or violation of these terms and conditions, we reserve the right to cancel your enrollment in the SmarterBucks rewards program as a SmarterBucks gifter.

Gifts of SmarterBucks

  1. Status of Gifts. SmarterBucks gifts that are in an “earned” status will be transferred to the Loan Holder once per month.
  2. Transaction Fee for Transference of Gifts. There is no fee to transfer SmarterBucks gifts.
  3. Posting of SmarterBucks Gifts. SmarterBucks that you gift will be posted to the SmarterBucks account of the SmarterBucks reward recipient as "earned gifted rewards" typically between the 10th and 20th of each month. (SimpleTuition reserves the right to change the date and the timeframe of such transfer from time to time).
  4. Tax consequences. You are solely responsible for determining and understanding the tax consequences of the gifting of SmarterBucks rewards as described above

Redemption of SmarterBucks

  1. Payments to the loan servicer. Each month during the SmarterBucks processing period, we will submit an additional payment to the enrolled SmarterBucks rewards program participant's loan servicer, equal to the amount of earned SmarterBucks in the participant's SmarterBucks account, including all SmarterBucks you have gifted that have posted to the SmarterBucks rewards program participant's SmarterBucks account. The participant's SmarterBucks balance in his/her SmarterBucks account will be reduced by an amount equal to the payment. If the SmarterBucks reward program participant has less than $10 worth of earned SmarterBucks in his/her SmarterBucks account as of the commencement of the SmarterBucks processing period, no payment will be made to the participant's loan servicer. In some cases the SmarterBucks loan payment will be applied directly to the principal balance as of the date the payment is applied. In other cases the payment will be applied in accordance with the Student Loan Servicer Rules that will guide the payment to be applied to any outstanding fees, then outstanding interest and then to the principal payment.
  2. Payment at Termination/Cancellation. If you or we cancel your enrollment in the SmarterBucks rewards program as a SmarterBucks gifter and/or terminate the enrolled SmarterBucks rewards program participant's SmarterBucks account for any reason, or if we terminate the SmarterBucks rewards program you will no longer be able to gift rewards to the SmarterBucks gift recipient.

If the SmarterBucks rewards program participant cancels or otherwise terminates his/her participation in the program (or has his/her participation cancelled by us), and his/her earned SmarterBucks account balance (including contributions made by you) is greater than the minimum payment amount of $10, then we will make one (1) final SmarterBucks payment to the SmarterBucks rewards program participant's loan servicer equal to the amount of all earned SmarterBucks (including those you gifted) in his/her your SmarterBucks account as of the date of the beginning of the SmarterBucks processing period. Any SmarterBucks "pending" but not yet "earned" as of the effective date of the cancellation will not be paid to the loan servicer.

If cancellation occurs at any other time all other pending and earned SmarterBucks (other than any gifts made by you) will be forfeited and NOT paid to the loan servicer. If the SmarterBucks rewards program participant has earned gifts from you that have not yet been included in a loan payment, we will make one (1) final SmarterBucks payment to the SmarterBucks rewards program participant's loan servicer equal to the amount of these gifts only in the SmarterBucks rewards program participant's SmarterBucks account as of the effective date of the cancellation.

Disclaimer of representations and warranties; limitations on liability

WE MAKE NO REPRESENTATIONS AS TO THE ACCURACY, QUALITY, TIMELINESS, AVAILABILITY, OR COMPLETENESS OF THE SMARTERBUCKS REWARDS PROGRAM OR THE INFORMATION, CONTENT, SOFTWARE, PRODUCTS, OR OTHER MATERIALS AVAILABLE THROUGH THE SMARTERBUCKS REWARDS PROGRAM. WE PROVIDE THE SMARTERBUCKS REWARDS PROGRAM ON AN "AS IS, AS AVAILABLE" BASIS AND WILL NOT BE LIABLE FOR ANY DAMAGES OR INJURY CAUSED BY YOUR USE OF THE SMARTERBUCKS REWARDS PROGRAM. YOU USE THE SMARTERBUCKS REWARDS PROGRAM AT YOUR OWN RISK. WE ARE NOT LIABLE FOR ANY FORM OF LOSS OR DAMAGE (INCLUDING WITHOUT LIMITATION DIRECT, INDIRECT, COMPENSATORY, CONSEQUENTIAL, INCIDENTAL, PUNITIVE, AND SPECIAL DAMAGES, EVEN IF KNOWN TO US) THAT MAY RESULT FROM YOUR USE OF THE SMARTERBUCKS REWARDS PROGRAM. WE EXPRESSLY DISCLAIM ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. ANY WARRANTY NOT SET FORTH IN THESE TERMS AND CONDITIONS WILL NOT BE VALID. IF ANY OF THE ABOVE PROVISIONS ARE VOID UNDER GOVERNING LAW, OUR LIABILITY SHALL BE LIMITED TO THE EXTENT PERMITTED BY LAW

Effective date and termination

The effective date of these terms and conditions is the date on which you enroll as a SmarterBucks gifter and accept these terms and conditions. These terms and conditions will remain in effect until terminated by you or us. We may terminate your enrollment in the SmarterBucks rewards program as a SmarterBucks gifter with or without cause at any time immediately after notice to you of such termination. We will also terminate your participation as a SmarterBucks gifter if either (a) the SmarterBucks rewards program participant terminates his/her participation in the program (or has his/her participation cancelled by us) or (b) if s/he ceases to have a eligible student loan registered with us to which payments are to be made from his/her SmarterBucks account. If your participation as a SmarterBucks gifter is cancelled for any reason you will no longer be able to make any further purchases and all pending purchases of SmarterBucks will be cancelled.

Choice of law

These terms and conditions will be interpreted, governed and enforced under the laws of The Commonwealth of Massachusetts, without giving effect to its choice or conflicts of law provisions.

Collection and use of information

  1. General. Because we take your privacy seriously, we have created a comprehensive privacy policy that describes our information collecting and sharing practices and explains how we protect your information. For more information, please read our privacy policy at smarterbucks.com.
  2. Use and disclosure of information. You authorize us to use any such information and to disclose such information (a) to our representatives and agents, (b) to third parties, where necessary or convenient for our administration of the SmarterBucks rewards program, (c) to comply with requests, orders or subpoenas from courts of law or any regulatory, legislative or administrative bodies, and (d) otherwise in accordance with the terms of the SmarterBucks privacy policy described above.

Miscellaneous

  1. The SmarterBucks rewards program and its benefits are offered at our sole discretion. We reserve the right to cancel, terminate, change or temporarily suspend the SmarterBucks rewards program and to amend these terms and conditions at any time without notice. We may modify the SmarterBucks rewards program and these terms and conditions in any manner we choose, including without limitation, instituting new fees. We may provide notice of an amendment to these terms and conditions by means of a letter, electronic mail message, a notice of the amendment posted on the SmarterBucks gifter website, or other lawful means. Any amendment will be effective as of the date established by us in the amendment, subject to applicable law.
  2. The SmarterBucks rewards program is void where prohibited by federal, state or local law.
  3. These terms and conditions constitute the entire agreement between you and us relating to the SmarterBucks rewards program, and supersede all prior contracts or agreements relating to the SmarterBucks rewards program.
  4. This agreement is not assignable, in whole or in part, by either party except by operation of law or as required by law.
  5. The headings in this agreement are inserted for convenience and identification only, and are not intended to describe, interpret, define or limit the scope or intent of this agreement or any clause hereof.
  6. You agree not to interrupt or attempt to interrupt the operation of the SmarterBucks gifter website and the SmarterBucks rewards program in any way. You understand that unauthorized access to restricted areas of our website may be a criminal violation. You agree not to access such location(s), nor attempt to obtain or decrypt any passwords or other security protection associated with the SmarterBucks gifter website. You will not impersonate any person or entity or misrepresent your affiliation with a person or entity; or misrepresent the origin of any content provided to us. You agree to comply with our rules and policies regarding use of our website, as published from time to time by us. You agree that your use of our website will at all times be for a lawful purpose and you agree to comply with all applicable laws and regulations in your use of our website. Possible evidence of use of our website for illegal purposes will be provided to law enforcement authorities. You agree not to reverse engineer, reverse assemble, decompile, create derivative works, modify, or otherwise attempt to derive the source code of our website or to copy (except as otherwise expressly permitted), modify or create derivative works of its content or any materials related to our website or the SmarterBucks rewards program.
  7. All content included on our website, including but not limited to trademarks and service marks, text, graphics, logos, button icons, images, video and audio clips, and software (collectively the "content") and the collection, arrangement and assembly of the content is the exclusive property of SimpleTuition, and is protected by applicable U.S. and international intellectual property laws including without limitation patent, trademark and copyright law. The content may not be used in any manner without our express written permission or as otherwise permitted by applicable law and, except as expressly set forth in these terms and conditions or permitted by applicable law, any use, including without limitation reproduction, modification, distribution, transmission, creation of derivative work(s), republication, display, reverse engineering, license, sale or performance of the content of the SmarterBucks gifter website is strictly prohibited. Your use of any trademark, service mark, trade name, logo, icon and domain name displayed on the SmarterBucks gifter website without our written permission, or the permission of other owners, is strictly prohibited.
  8. The SmarterBucks gifter website contains software, photographs, graphics, text, images and other material (collectively "material") that are protected by copyright law. All such material also is copyrighted as a collective work under the copyright laws, and we own a copyright in the selection, coordination, arrangement, and enhancement of such material. You may not modify, remove, delete, augment, add to, publish, transmit, participate in the transfer or sale of, create derivative works from, or in any way exploit any of the material, in whole or in part. We grant you permission to electronically copy and print in hard copy portions of this SmarterBucks gifter website (and to download software made available on the SmarterBucks gifter website) solely for your personal use and in connection with researching the process of paying for your education and/or managing your education loan debts. Otherwise, you may not reproduce or distribute in any way material protected by copyright without obtaining our prior written permission. You may use, copy and distribute the materials and information on the site for internal, informational purposes only. Any copy you make of the material must bear any copyright, trademark, service mark or other proprietary notice that pertains to the material being copied.
  9. If you feel that any content on the SmarterBucks gifter website infringes your copyrights, you may notify us by contacting us at the address set forth at the beginning of these terms and conditions. Please be sure to include the following information: (a) a description of the copyrighted work you allege is being infringed (and registration information if such work is registered with the copyright office); (b) the location of the allegedly infringing material on this website, (c) your signature (digital or hard-copy), (d) your address, telephone number, and e-mail address, and (e) a statement (notarized if possible and made under penalty of perjury) that: (i) you are the copyright owner or are authorized to act on the copyright owner's behalf; and (ii) you believe in good faith that the rights of the copyright owner are being infringed, and that the uses of the allegedly infringing material are not authorized (either by the copyright owner, its agents, or applicable law). We will take appropriate action after receipt of such information to appropriately address the copyright issues raised, including, if necessary, removal of any infringing material.
  10. Nothing contained on the SmarterBucks gifter website is intended to constitute personal tax advice. The tax consequences of participation in the SmarterBucks rewards program as a SmarterBucks gifter will depend on your particular tax circumstances. You are responsible for obtaining your own tax advice with respect to participation in the SmarterBucks rewards program as a SmarterBucks gifter. You agree that we will not have any liability for any information contained on or omitted from the SmarterBucks gifter website with respect to taxes and that we have no obligation to inform you of changes in the tax laws.
  11. All communications in connection with the SmarterBucks rewards program will be electronic (via email and the SmarterBucks website). You are responsible for updating your information to ensure that we have a current, working email address for you for such communications.