Refer-a-Friend Terms and Conditions

TruWest® Credit Union (“we”, “TruWest® Credit Union” or “Company”) is offering you the opportunity to refer friends via a Referral Program (“Program”) offered on a web page located behind your secure online banking login. (the “Site”).

1. Binding Agreement. By using the Site or participating in the Program, you are bound by these Terms and Conditions (“Terms”) and indicate your agreement to them.  All of the Company’s decisions are final and binding.
2. Privacy. The personal information collected, processed and used as part of the Program will be used in accordance with Company’s Privacy Statement, which is available by link on the Site.
3. How the Program Works. You must be a legal resident of the United States of America and at least 18 years old to use the Site.  Enrollment in online banking required.  Next, you must visit the Site and follow the on-screen instructions to refer friends, family members or colleagues (each a “Friend” and collectively “Friends”).  Referrer may refer a maximum of 5 Friends during each calendar year and a maximum of 25 times throughout the entirety of the Program.  Once you make a referral, you become a “Referrer” and will be provided with a unique referral link (“Personal Link”) that allows you to receive the Reward described herein or as otherwise advertised on the Site.  Referred Friends must complete the referral as described in the referral message.  Referrer and Friend are referred to individually as a “Participant” and collectively as “Participants.”
4. Restrictions. Referrers cannot refer themselves or create multiple, fictitious or fake accounts with the Company or participate in the Program as a “Friend”.  No Participant may use the Program to violate any law, infringe or violate the rights of any third party, or otherwise act in a manner that is deemed harassing, harmful, illegal, hateful, obscene or outside the spirit and intent of the Program.  In addition, Participants may not (i) tamper with the Program or Site, (ii) act in an unfair or disruptive manner, or (iii) use any system, bot or other device or artifice to participate or receive any benefit in the Program.  CAUTION: ANY ATTEMPT TO DELIBERATELY DAMAGE OR UNDERMINE THE LEGITIMATE OPERATION OF THE PROGRAM MAY BE IN VIOLATION OF CRIMINAL AND CIVIL LAWS.  SHOULD SUCH AN ATTEMPT BE MADE, THE COMPANY RESERVES THE RIGHT TO SEEK REMEDIES AND DAMAGES (INCLUDING ATTORNEY FEES) TO THE FULLEST EXTENT OF THE LAW, INCLUDING CRIMINAL PROSECUTION.
    
   Employees of the Company or any of its or their subsidiaries, affiliates or promotional agencies are not eligible to participate in the Program as Referrers or Friends.
5. Rewards. By making a Valid Referral, you will receive a $100 Amazon eGift Card and your Referred Friend will receive a$100 Amazon eGift Card  (each a “Reward” and collectively “Rewards”).  The term “Valid Referral” means a referral the results in the Referred Friend: (i) opening a Rewards Checking Account; (ii) subscribing to online banking and agreeing to the applicable terms and conditions thereof; and, (iii) making fifteen (15) debit or credit card purchases in a single calendar month within the first ninety (90) days of opening the Rewards Checking account. Referrer can earn a maximum of 6 Rewards per year (one Reward as a referred Friend and five Rewards as Referrer). These Rewards may be redeemed in various forms in the Company’s sole discretion. Terms, conditions and restrictions may apply.  For example, if the reward is in the form of a gift card, gift certificate or voucher, it may be subject to the issuer’s terms and conditions.  Rewards are subject to verification of Participant’s eligibility.  The Company may delay a Reward for the purposes of investigation.  The Company may also refuse to verify and process any transaction for any reason.  Rewards are subject to all applicable taxes, which are the responsibility of the Participant. Company will report as income to the tax authorities if required by applicable law. Consult your tax advisor. Amazon.com is not a sponsor of this promotion. eGift Card is subject to further terms and conditions, including expiry dates. Company is not responsible for lost, stolen, or expired eGift cards and replacements will not be issued. Except as required by law, Amazon.com Gift Cards cannot be transferred for value or redeemed for cash. Gift cards may be used only for purchases of eligible goods at Amazon.com or certain of its affiliated websites. All Amazon, the Amazon.com logo, the smile logo, and all related logos are trademarks of Amazon or its affiliates. Restrictions apply, for complete terms and conditions, see www.amazon.com/gc-legal.
    
   Unless otherwise stated, Rewards have no monetary value and may not be redeemed for cash.  They are not transferable and may not be auctioned, traded, bartered or sold.
6. Liability. YOU UNDERSTAND AND AGREE THAT THE RELEASED PARTIES (DEFINED BELOW) SHALL NOT BE LIABLE TO YOU FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER INTANGIBLE LOSSES (EVEN IF THE COMPANY WAS ADVISED OF THE POSSIBILITY OF SUCH DAMAGES).  By participating in the Program, you agree to defend, indemnify, release and hold harmless the Company, Extole, Inc., as the provider of the referral service, and their respective parent companies, affiliates and subsidiaries, together with their respective employees, directors, officers, licensees, licensors, shareholders, attorneys and agents including, without limitation, their respective advertising and promotion entities and any person or entity associated with the production, operation or administration of the Program (collectively, the “Released Parties”), from and against any and all claims, actions, demands, damages, losses, liabilities, costs or expenses caused by, arising out of, in connection with, or related to the Program (including, without limitation, any property loss, damage, personal injury or death caused to any person(s)) and/or the awarding, receipt and/or use or misuse of any benefit in the Program.  To be clear, the Released Parties shall not be liable for any technical errors or malfunctions, data theft or corruption, any printing or typographical error, or any damage to any computer system resulting from participating in, or accessing or downloading information in connection with the Program.  The Released Parties shall not be liable to any Participant for failure to supply any advertised benefit, by reason of any acts of God, any action or request by any governmental or quasi-governmental entity (whether or not valid), or any other activity or action that is beyond any of the Released Parties’ control. TO THE FULLEST EXTENT PERMITTED BY LAW, THE RELEASED PARTIES’ MAXIMUM LIABILITY ARISING OUT OF OR IN CONNECTION WITH THE PROGRAM, REGARDLESS OF THE CAUSE OF ACTION (WHETHER IN CONTRACT, TORT, BREACH OF WARRANTY, OR OTHERWISE), WILL NOT EXCEED $100.
7. Disclaimer of Warranties. YOU EXPRESSLY UNDERSTAND AND AGREE THAT: (A) THE PROGRAM IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS AND THE COMPANY EXPRESSLY DISCLAIMS ALL WARRANTIES, CONDITIONS AND TERMS OF ANY KIND, WHETHER EXPRESS OR IMPLIED BY STATUTE, COMMON LAW OR CUSTOM, INCLUDING, BUT NOT LIMITED TO, WARRANTIES AS TO PRODUCTS OR SERVICES OFFERED THROUGH THE USE OF THE PROGRAM, IMPLIED WARRANTIES OF MERCHANTABILITY, SATISFACTORY QUALITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT; (B) THE RELEASED PARTIES MAKE AND GIVE NO WARRANTY THAT (i) THE PROGRAM WILL MEET YOUR REQUIREMENTS, (ii) THE PROGRAM WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, AND (iii) THE QUALITY OF ANY PRODUCTS, SERVICES, INFORMATION, OR OTHER MATERIAL OBTAINED BY YOU THROUGH THE PROGRAM WILL MEET YOUR EXPECTATIONS, AND (C) ANY MATERIAL DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE PROGRAM IS ACCESSED AT YOUR OWN DISCRETION AND RISK, AND YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR MOBILE DEVICE OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OR USE OF ANY SUCH MATERIAL.
8. Bulk Distribution (“Spam”). Each Referrer is the actual sender of the emails and must comply with applicable law. Referrals must be created and distributed in a personal manner that is appropriate and customary for communications with friends, colleagues and family members.  By submitting any email address as part of the Program, the Referrer represents that he/she has the appropriate permission and consent.  Bulk email distribution, distribution to strangers, or any other use of the Program services described herein in a manner that is not promoted or contemplated by the Program is expressly prohibited and may be grounds for immediate termination and further legal action.  The Company has no obligation to monitor the Program or any communications; however, the Company may choose to do so and block any email messages, remove any such content, or prohibit any use of the Program.  Referrers who do not comply with the law, including anti-spam laws, agree to indemnify the Released Parties from and against any liabilities, costs and expenses, including reasonable attorney’s fees, the Referred Parties incur as a result of such failure to comply.
9. Sign-In Credentials. Referrers are responsible for maintaining the confidentially of any sign-in credentials and are fully responsible for all activities that occur through the use of them. Referrers agree to notify the Company immediately if they suspect unauthorized access to their account.  Participants agree that the Company will not be liable for any loss or damage arising from unauthorized use of their credentials.
10. Right to Cancel, Modify or Terminate. We reserve the right to cancel, modify or terminate the Program including, but not limited to, the Rewards, at any time for any reason. We reserve the right to disqualify any Participant (at any time from participation in the Program if Participant does not comply with any of these Terms.