PETAL CARD
REFER A FRIEND PROGRAM TERMS
The “Refer a Friend” Program (the "Program") is a promotional referral program offered by Petal Card, Inc. ("Petal") where existing Petal cardmembers may be rewarded for referring individuals to Petal subject to the terms and conditions stated herein (the "Program Terms"). To qualify for the Reward (as defined below), referred individuals must be approved for a Petal Card account in accordance with these Program Terms. By choosing to participate in the Program, you are accepting and agreeing to these Program Terms. These Program Terms form an agreement between you and Petal with respect to the Program. You should read these Program Terms carefully. Petal reserves the right to modify or terminate the program at any time and in any manner, in whole or in part, as outlined below.
1. ELIGIBILITY
The Program is open to all Petal cardholders in good standing (as defined herein) who are legal residents of the fifty (50) United States and the District of Columbia. The Program is void elsewhere and where prohibited. You may only refer individuals who have never had a Petal card account and who have never been issued a Petal card as an additional cardholder. Employees of Petal, WebBank or either of their affiliates are not eligible to participate in the Program and may not be referred through the Program.
2. OFFER REQUIREMENTS
Each offer provided through the Program (“Offer”) will include specific Offer Terms that describe the relevant reward (“Reward”) and eligibility requirements for redeeming the Offer and receiving the Reward. Petal may provide multiple Offers at any given time. You must strictly follow the requirements specified in the Offer Terms (including any promotional code or link provided in the Offer Terms) to redeem the Offer and receive the Reward described in the Offer.
3. STATEMENT CREDIT or CASH BACK REWARD
Subject to these Program Terms, after the referred individual is approved for a Petal Card account, Rewards may be issued as follows:
- A Statement Credit between $0 and $50 may be attributed to your Petal Card account balance.
- $0 to $50 in Cash Back Points may be applied to your Petal Card account, which can be redeemed as a Statement Credit or other methods permitted by the applicable Petal Perks Program Rules.
The actual amount and type of Rewards will vary within the thresholds noted above and will be specified in an Offer message to you and the referred individual from Petal.
4.TERMS OF REDEEMING REWARD
Rewards cannot be sold, transferred, or redeemed for cash. Petal reserves the right to refuse to issue a Reward for reasons that Petal may deem appropriate, such as noncompliance with the Program Terms, Offer Terms or any fraudulent or illegal behavior. Rewards will only be issued to Petal card accounts that are in good standing and not in default. Your account is in “Good Standing” as long as you fully comply with these Program Terms, your Petal 1 or 2 Visa Credit Card Cardholder Agreement as may be amended from time to time (“Cardholder Agreement”), Petal Perks Program Rules, disclosures agreed to as part of opening your Petal card (including, as applicable, the Privacy Policies, Truth in Lending Disclosure, and Risk-Based Pricing Disclosure) and Arbitration Agreement (collectively, the “Program Agreements”). For an avoidance of doubt, an account in good standing for purposes of this Program includes, but is not limited to an account for which all required opening documentation has been completed and verified, and is not locked, or restricted, or otherwise flagged in any way. If the Referrer’s account is closed or not in good standing for any reason at any time, any cash back Rewards awarded hereunder will be forfeited.
5. MODIFICATION OR TERMINATION OF PROGRAM
The Program is offered at the discretion of Petal, and Petal reserves the right to terminate, suspend, or modify the Program, Program Terms, Offer Terms, Rewards, conditions of participation, or any other aspect of the Program, in whole or in part, at any time, with or without notice; however, such changes will not affect any Rewards already earned.
6. LIMITATION ON LIABILITY AND DISCLAIMER OF WARRANTIES
By participating in this Program, you agree that Petal and its agents, representatives, affiliates, and employees will have no liability whatsoever for any injuries, losses, claims, damages or any special, exemplary, punitive, indirect, incidental or consequential damages of any kind, whether based in contract, tort, strict liability or otherwise, resulting from your participation in the Program or receipt or use of any Reward, any failure or delay by Petal in connection with the Program, or the performance or non-performance of the Program by Petal, even if Petal has been advised of the possibility of damages. This disclaimer of liability applies to any damages or injury caused by any failure of performance, error, omission, interruption, deletion, defect, delay in operation, computer virus, communications line failure, theft or destruction, or unauthorized access to, alteration of, or use of your information.
Petal makes no warranty of any kind regarding the Program or any Reward, which are provided on an “as is” and “as available” basis. Petal expressly disclaims all warranties, including implied warranties of merchantability, fitness for a particular purpose, title, non-infringement, and those arising by statute or otherwise in law or from a course of dealing or usage of trade. Petal is not responsible or liable for any warranty, representation, or guarantee, express or implied, in fact or in law, relative to the Program or any Reward, including without limitation that the Program will be error-free, or as to the accuracy, completeness and timeliness of any content or information distributed with respect to the Program. Some states do not allow the limitation of liability and disclaimer of implied warranties, so the disclaimers and limitations above may not apply to you. 7.
ADDITIONAL TERMS
Information collected from you will be used in accordance with the Petal’s Privacy Policy.
These Program Terms, in conjunction with the relevant Offer Terms, make up the entire agreement between you and Petal relating to the Program, and replace any prior understandings or agreements (whether oral or written) regarding the Program. Any disputes arising from the Program or these Program Terms or the Offer Terms will be subject to the arbitration agreement and class action waiver contained in the Petal’s Website and Mobile Application Terms of Use.
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