Terms & Conditions

This Web site is operated by CheckChangers (“CC”). Throughout the site, the terms “we,” “us” and “our” refer to CC. CC offers this Web site, including all information, tools and services available from this site, to you, the user, conditioned upon your acceptance of all the terms, conditions, policies and notices stated here. Your use of this site constitutes your agreement to these Terms of Use.CheckChangers is solely a trade name.  Each affiliate participating in the CheckChangers network is independently owned and operated and none assume any liability for any acts, errors or omissions by any other affiliate.  CheckChangers assumes no responsibility for any acts, errors or omissions by any affiliate and expressley denies any liability therefrom.

CheckChangers storefront Currency Exchanges in Illinois do not offer payday loans or CILA loans and nothing contained herein shall be construed as an offer or an advertisement to offer payday loans or CILA loans by a CheckChangers Currency Exchange.

TERMS AND CONDITIONS OF USE

PLEASE READ THESE TERMS AND CONDITIONS OF USE CAREFULLY BEFORE USING THIS SITE.  THEY GOVERN YOUR USE OF THE SITE.  IF YOU DO NOT AGREE TO THE TERMS STATED BELOW, YOU MAY NOT USE THE SITE.

CC and its subsidiaries provides this website (“Site”) as a service for our customers.  The following terms and conditions of use (“TOU”) set forth the terms, conditions and rules that govern your use of this Site.

1.  Use of Site.

Your use of this Site constitutes your knowledge, understanding, and acceptance of the TOU, and your agreement to be bound by the TOU.  CC may change, edit, modify, delete, revise, or update the TOU from time to time, without notice, and your use of this Site after any changes, edits, modifications, deletions, revisions, or updates are posted to the Site constitutes your agreement to comply with the posted TOU. Access to and use of this Site are solely for your purchase of CC products or services for personal use, information, education, and communication with CC.  In addition to other prohibitions as set forth in the TOU, you are prohibited from using the Site or its Content: (a) for any unlawful purpose; (b) to solicit others to perform or participate in any unlawful acts; (c) to violate any international, federal, or state regulations, rules, laws, or local ordinances; (d) to infringe upon or violate our intellectual property rights or the intellectual property rights of others; (e) to harass, abuse, insult, harm, defame, slander, disparage, intimidate, or discriminate based on gender, sexual orientation, religion, ethnicity, race, age, national origin, or disability; (f) to submit false or misleading information; (g) to upload or transmit viruses or any other type of malicious code that will or may be used in any way that will affect the functionality or operation of this Site, other websites, or the Internet; (h) to collect or track the personal information of others; (i) to spam, phish, pharm, pretext, spider, crawl, or scrape; (j) for any obscene or immoral purpose; or (k) to interfere with or circumvent the security features of this Site, other websites, or the Internet.  We reserve the right to terminate your use of the Site, or take other corrective action for violating any of the prohibited uses.

2.  Intellectual Property.

The trademarks, trade names, trade dress, logos, and service marks (collectively, the “Trademarks”) displayed on this Site are the registered and/or unregistered Trademarks of CC or such third parties that may own the displayed Trademarks.  Nothing contained on this Site or in the TOU serves to grant to you, by implication or otherwise, any license or right to use any Trademarks displayed on this Site without the written permission of CC or such third party that may own the displayed Trademarks.  The Trademarks, text, logos, images, graphics, photos, video files, application functionality, or any other digital media, and their arrangement on this Site (collectively, the “Content”) are all subject to patent, copyright, trademark, unfair competition and other applicable intellectual property protection. Without our express written permission, Content may not be copied for any public or commercial use or distribution or modified, processed, or reposted to other websites.  You may download, copy or print the Content of this Site for your personal non-commercial use only, however no right, title or interest in any of the Content of this Site is transferred to you as a result of any such downloading, copying, printing or use of this Site.

3.  License to User Comments and Submissions.

This Site may provide you with the opportunity to submit comments (each a “Submission” and collectively the “Submissions”).  By submitting items to this Site, you represent that you own or have unencumbered, transferable rights and permissions, including, without limitation, the right of publicity to the Submissions that you submit.  If you make a Submission to this Site, you automatically grant CC a perpetual, worldwide, unlimited, irrevocable, transferable, assignable, royalty-free license for CC to use that Submission for any lawful purpose whatsoever, including, without limitation, the right to sub-license that Submission to third parties for their lawful uses and purposes.  Subject to existing laws, you waive any moral rights that you or your licensors may have in any Submission.  The posting of those Submissions does not constitute CC’s endorsement of those Submissions.  CC is not responsible or liable for any claim in connection with Submissions.

4.  Third-Party Links.

Third-party links on this Site may direct you to other websites that are not affiliated with CC.  Further, those websites and the products and services sold on those websites may be subject to additional or separate legal, regulatory, or product and service requirements.  CC is not liable for the content, privacy policies, or any harm or damages related to the purchase of goods, services, resources, content, or any other transactions (“Third-Party Products”) made in connection with any third-party websites.  Please review carefully the third party’s policies and practices and make sure you understand them before you engage in any transaction.  The existence of such third-party links should not be considered an endorsement or recommendation of those sites or of any Third-Party Products or of any party that is associated with those sites.  Complaints, claims, concerns, or questions regarding Third-Party Products should be directed to the third party.

5.  Registration, Accounts and Passwords.

You are responsible for the personal protection and security of any password or username that you may use to access this Site.  You are responsible for all direct or indirect damages and liable for all activity conducted on this Site that can be linked or traced back to your username or password.  You are obligated to immediately report a lost or stolen password or username to CC.

6.  Site Updates.

CC undertakes no obligation to update, amend or clarify information on this Site, including, without limitation, pricing information, except as required by law.  No specified update or refresh date applied on this Site should be taken to indicate that all information on the Site has been modified or updated.  Please remember when reviewing information on this Site that such information may not represent the complete information available on a subject.  In addition, subsequent events or changes in circumstances may cause existing information on this Site to become inaccurate or incomplete.  On occasion, information on this Site may contain errors, including, without limitation, typographical errors, inaccuracies, or omissions related to product and service availability, special offers, product promotions, pricing information, product descriptions, or product delivery times.  CC reserves the right to, at any time without prior notice, correct any errors, inaccuracies or omissions and to change or update information if any information on the Site is inaccurate (including after you have submitted any information, if applicable).

7.  Product And Service Regulation, and Pricing Information.

This Site, Content, product information, and any products sold through the Site are intended to comply with United States and particular state laws and regulations.  If you are a non-U.S. based user, be advised that other countries may have laws, regulatory requirements, and lending requirements that are different than those in both the United States, and individual states.  By using this Site, you represent that you have consulted your applicable local laws that may apply to products and services offered via this Site.

CC reserves the right, but is not obligated, to limit the sales of its products or services to any person, geographic region or jurisdiction.  We may exercise this right on a case-by-case basis.  All descriptions of products and services and pricing are subject to change at any time without notice at the sole discretion of CC.  CC reserves the right to discontinue any product or service at any time.  Any offer for any product or service made on this Site is void where prohibited.

8.  Termination.

The TOU will remain in effect until you notify us that you no longer wish to use the Site, or you cease using the Site. Notwithstanding anything in this TOU to the contrary, the parties understand and agree that all terms and conditions of the TOU that may require continued performance, compliance, or effect beyond the termination date of this TOU will survive termination of the TOU and will be enforceable by the parties CC may also terminate the TOU at any time and may do so immediately without notice and, accordingly, deny you access to this Site, if, in CC’s sole discretion, you fail to comply with any term or provision of the TOU.

9.  Choice of Law and Forum.

These TOU will be governed and construed in accordance with the laws of the State of Illinois, without regard to its conflicts of law rules.  For all disputes arising out of or relating to this Site or TOU, you submit to exclusive personal jurisdiction and venue of the state and federal courts located in Cook County, Illinois and agree and consent that such courts are the exclusive forum for litigation of any claim or cause of action arising out of or relating to your use of this Site or the Content. You agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of or relating to your use of this Site or the Content must be filed within one year after such claim or cause of action arose or be forever barred.

10.  Notice.

When you visit this Site or send e-mails to us, you are communicating with us electronically.  You consent to receive communications from us electronically.  We will communicate with you by e-mail or by posting notices on this Site. You agree that all agreements, notices, disclosures and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.

11.  Privacy Statement.

CC is committed to protecting the privacy of the visitors to this Site.  For information on how information is collected, used, or disclosed by CC in connection with your use of this Site, please consult our privacy policy.  Your use of the Site constitutes acknowledgement and agreement with our privacy policy.  You further acknowledge and agree that CC may use your personal information in the manner described in our privacy policy.

12.  Wireless Communications Policy.

By opting-in you are providing consent for CC to use your personal information to provide the services you have requested, including services that display customized content and advertising.  Your wireless communications provider’s Text Messaging (“SMS” or “MMS”) & Data Rates may apply to our confirmation and all subsequent SMS messages.  You may opt-out and remove your SMS information by sending “STOP”, “END”, “CANCEL,” “UNSUBSCRIBE,” or “QUIT” to the SMS text message you have received.  If you remove your SMS information from our database, your number will no longer be used for secondary purposes, disclosed to third parties and used by us for third parties to send promotional correspondence to you.  Data obtained from you in connection with this SMS service may include your name, address, cell phone number, your provider’s name, the date & time, and content of your messages.  We will not be liable for any delays in the receipt of any SMS messages, as delivery is subject to effective transmission from your network operator.  SMS message services are provided on an “AS IS” basis.  To view our Terms & Conditions visit www.checkchangers.com/terms.  Opt-in – A confirmation message will be sent to you to verify you are in possession of the device for the cell number you provided and also will remind you of applicable Text Messaging & Data Rates that may be charged by your wireless carrier for all subsequent SMS or MMS.  Opt-out – To cancel text message alerts, simply reply STOP to the message received to opt-out of respective text alert program.  Help or Support – For help, email us at customerservice@checkchangers.com or call 1-866-764-0607.  Request help, get contact information or additional information regarding our texting services anytime from your mobile device by replying with the word “HELP” to the message you receive.

13.  Email Terms and Conditions.

By providing CC with your email address you consent that we may send email messages to your email address as further described in our privacy policy. Email services are provided on an “AS IS” basis.

14.  Indemnification.

You agree to indemnify and hold CC and its affiliates, subsidiaries, managers, members, officers, employees, represents and each of their respective successors and assigns harmless from and against any and all claims, damages, costs and expenses (including attorney and accounting fees) arising from or related to your use of this Site or breach of the TOU.  CC reserves the right to assume or participate, at your expense, in the investigation, settlement and defense of any such action or claim.

15.  Warning about Fraud and Identity Theft.

Attempting to obtain a credit transaction by providing false information, including but not limited to the use of false or altered documents and the use of another person’s identity other than your own, is fraudulent and, in some cases, punishable by law. CC reserves the right to report any and all information obtained in connection with a verified fraud attempt to local, state, or federal authorities for possible investigation and prosecution.

16.  Minors.

This Site is not directed at minors and CC does not knowingly collect personal information from any person under the age of majority for their state at this Site.   By agreeing to the TOU, you represent that you are at least the age of majority in your state of residence.

17.  Limitations on Liability.

BY YOUR USE OF THIS SITE YOU ACKNOWLEDGE THAT:  (1) YOUR USE OF THIS SITE IS AT YOUR SOLE RISK; (2) YOU ASSUME FULL RESPONSIBILITY FOR ALL COSTS ASSOCIATED WITH ALL NECESSARY SERVICING OR REPAIRS OF ANY EQUIPMENT THAT YOU USE IN CONNECTION WITH YOUR USE OF THIS SITE; AND (3) NEITHER CC NOR ANY OTHER PARTY INVOLVED IN CREATING, PRODUCING OR DELIVERING THIS SITE WILL BE LIABLE FOR ANY DAMAGES OF ANY KIND RELATED TO YOUR USE OF OR INABILITY TO USE OUR SITE, INCLUDING WITHOUT LIMITATION, FAILURE OF PERFORMANCE, DAMAGE TO YOUR COMPUTER EQUIPMENT OR OTHER PROPERTY, ERROR, OMISSION, INTERRUPTION, COMPUTER VIRUS, OR NETWORK OR INTERNET FAILURE, OR DIRECT, INDIRECT, SPECIAL, COMPENSATORY OR CONSEQUENTIAL DAMAGES, LOST PROFITS AND/OR LOSS OF OR DAMAGE TO PROPERTY WHETHER THE ALLEGED LIABILITY IS BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR ANY OTHER BASIS, EVEN IF CC HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.  CC RESERVES THE RIGHT TO ALTER OR REMOVE SITE CONTENT, OR SUSPEND OR TERMINATE YOUR USE IN ANY WAY, AT ANY TIME, FOR ANY REASON, WITHOUT PRIOR NOTIFICATION, AND CC WILL NOT BE LIABLE IN ANY WAY FOR POSSIBLE CONSEQUENCES OF THAT ACTION.

BECAUSE SOME STATES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, SOME OF THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU.  IN SUCH STATES, CC’S LIABILITY IS LIMITED AND WARRANTIES ARE EXCLUDED TO THE GREATEST EXTENT PERMITTED BY LAW, BUT SHALL, IN NO EVENT, EXCEED $100.00.

18.  DISCLAIMER.

THE CONTENT PROVIDED ON THIS SITE IS PROVIDED “AS IS” AND “WITH ALL FAULTS.” CC MAKES NO WARRANTY OR REPRESENTATION, EITHER EXPRESS OR IMPLIED, AS TO ITS USE, AVAILABILITY, CONTENT ACCURACY, APPROPRIATENESS, PERFORMANCE OF THIS SITE OR ANY OTHER MATTER.  AS A USER, YOU ASSUME ALL RISKS AND RESPONSIBILITIES FOR ITS USE OR NON-USE, AND CC MAKES NO REPRESENTATION THAT THE CONTENT APPEARING ON OR DOWNLOADED FROM THIS SITE IS COMPATIBLE WITH YOUR COMPUTER OR FREE FROM ERROR OR VIRUSES.  NO CC EMPLOYEE, AGENT OR REPRESENTATIVE IS AUTHORIZED TO MODIFY OR AMEND THIS WARRANTY.  TO THE EXTENT ALLOWABLE BY EXISTING LAW, CC DISCLAIMS ALL OTHER WARRANTIES, EITHER EXPRESSED OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, WITH RESPECT TO THIS SITE AND ITS CONTENT.

YOUR SOLE REMEDY AGAINST CC FOR DISSATISFACTION WITH THE SITE OR ANY CONTENT IS TO STOP USING THE SITE OR ANY SUCH CONTENT. THIS LIMITATION OF RELIEF IS A PART OF THE BARGAIN BETWEEN THE PARTIES.

19.  Loyalty Program

Important: The following are the rules and other provisions (collectively, “Rules”) of the Loyalty program (the “Program”). By enrolling or participating in the Program, you indicate your acceptance of these Rules and agree to abide by them. It is your responsibility to read and understand all of the Rules. For more information, contact CheckChangers or visit checkchangers.com. These Rules cannot be superseded or changed, except in writing from CheckChangers or any of its affiliates (collectively, “CheckChangers”). The most current Rules may be found on checkchangers.com and this is the final authority on the Rules. The Rules on checkchangers.com shall be deemed to supersede any prior or conflicting versions thereof.
General conditions
The Program is offered at the discretion of CheckChangers and CheckChangers has the right to terminate the Program, in whole or in part, or to change the Rules, benefits, conditions of participation, in whole or in part, at any time, with or without notice, even though changes may affect the value of benefits already accumulated.
CheckChangers may, among other things, withdraw, limit, modify or cancel any points. Members of the Program (“Members”), in accumulating points may not rely upon the continued availability of points. Point redemption activity may be prohibited in any account or suspended for a period of time after the opening of the account.
The Rules control your membership and participation in the Program and no covenants at law or in equity shall be implied or incorporated, all of which are expressly disclaimed. CheckChangers has the sole right to interpret and apply the Rules. IF CHECKCHANGERS OR A PARTNER IMPROPERLY DENIES AN ACCRUAL OR BENEFIT, LIABILITY WILL NOT EXCEED THE EQUIVALENT VALUE, AS DETERMINED BY CHECKCHANGERS, OR THE PARTNER AS THE CASE MAY BE, OF THAT ACCRUAL OR BENEFIT. IN NO EVENT SHALL CHECKCHANGERS BE LIABLE TO A MEMBER, OR ANYONE ACTING ON THE MEMBER’S BEHALF, FOR ANY DIRECT, INDIRECT OR CONSEQUENTIAL DAMAGES, INCLUDING LOST REVENUE OR PROFITS, ARISING OUT OF THE ACTS OR OMISSIONS OF CHECKCHANGERS IN CONNECTION WITH THE PROGRAM, OR COSTS OR ATTORNEYS’ FEES. Any abuse of the Program or failure to follow the Rules, terms and conditions or any abuse of any Partner offers or programs, any violation of law, rule, or regulation, any conduct detrimental to the interests of CheckChangers, any fraudulent activity or attempted fraudulent activity, or any misrepresentation of any information furnished to CheckChangers or its affiliates by any Member, anyone else acting on the Member’s behalf, or any third party (collectively, “Prohibited Conduct”), may result in CheckChangers exercising any one or more of the following remedies (“CheckChangers’s Remedies”), with or without notice to the Member: (a) the termination by CheckChangers of such Member’s membership (including without limitation any points, (b) the removal or cancellation by CheckChangers of any or all accrued points or benefits (c) the confiscation of any points or, (d) the loss of other Program benefits. In addition to the foregoing CheckChangers’s Remedies, CheckChangers may, upon written request, require the Member to repay the value, as determined by CheckChangers, of the points redeemed or benefits acquired as a result of Prohibited Conduct and, in the event of a Member’s failure to repay, may initiate legal action to recoup the value of points or benefits acquired by the Member through Prohibited Conduct. Members whose accounts have been terminated shall not be eligible to participate in any aspect of the Program and shall not be eligible to enroll with new accounts.
In the event CheckChangers suspects Prohibited Conduct, CheckChangers reserves the right, with or without notice to the Member, (a) to delay or suspend all activity (including without limitation any redemption activity and processing of any redemption requests for any points or benefits and (b) to audit or investigate any account at any time. During the course of an audit or investigation, a Member’s account information may be shared with any third party with whom CheckChangers has contracted to assist in performing such audit or investigation. While the account is suspended, the Member may continue to accrue points in the account, but no redemptions or other transactions will be permitted and any outstanding redemptions and benefits will be subject to cancellation or suspension. Upon completion of the audit or investigation, if Prohibited Conduct has been detected by CheckChangers, CheckChangers may exercise any one or more of CheckChangers’s Remedies or any other remedies available at law or in equity.
Each Member is responsible for being and remaining knowledgeable as to the Rules and the amount of points in such Member’s account. A Member shall notify CheckChangers promptly of an erroneous point balance in such Member’s account. In the event a Member’s point balance is erroneously credited for any reason, the Member’s use of such erroneously credited points shall constitute a violation of these Program Rules. CheckChangers may, but shall have no obligation to, send newsletters, statements, correspondence or other materials, including notifications of Program changes or special promotions. Each Member shall be responsible for advising CheckChangers of any change of contact information and CheckChangers shall have no liability for misdirected correspondence or any consequences thereof.
The accumulation of points and/or the redemption of points are subject to these Rules. The accumulation of points do not entitle Members to any vested rights with respect to the Program, including without limitation, any awards or benefits. No points, benefits, account numbers, or awards earned or granted under the Program may be transferred or assigned except as expressly permitted by CheckChangers in writing or under programs fully authorized and/or sponsored by CheckChangers.
The Program is maintained for the benefit of CheckChangers and individual Members. Only individuals are eligible for membership, and each individual may maintain only one account in the Program. Duplicate accounts in the Program will be subject to cancellation. Generally, points, benefits, or awards earned or granted in two or more different accounts may not be combined. If a Member maintains duplicate accounts and CheckChangers suspects or finds Prohibited Conduct, CheckChangers reserves the right to exercise CheckChangers’s Remedies with respect to each account. Only the Member named on the account will be entitled access to account information. Account information is CheckChangers’s proprietary information and, except as otherwise authorized by CheckChangers, Members may access information only for the purpose of obtaining information about their account. No Member may delegate or grant access (via power of attorney, contract, or otherwise) to a third party. Any Member who shares account information with any third party will be held responsible for such third-party’s actions with respect to the Account. Account information may be reproduced for use by the applicable Member but must contain copyright and proprietary notices and redistribution in any way requires CheckChangers’s written permission.
Accrued benefits and points do not constitute property of the Member and are not transferable. In the event of the death or divorce of a Member, CheckChangers may, in its sole discretion, credit all or a portion of such Member’s accrued points to authorized persons upon receipt of documentation satisfactory to CheckChangers and payment of applicable fees.
All calculations made in connection with the Program, including without limitation, the value of any benefits, the accumulation of points, and/or the revisions of calculations (including without limitation any estimates), will be made by CheckChangers in its discretion and such calculations will be considered final.
Neither CheckChangers’ waiver or consent to a deviation from the Rules nor any course of dealing shall be construed as a waiver by CheckChangers of any subsequent violation of the Rules and CheckChangers may invoke CheckChangers’s Remedies for a violation of the Rules despite any such prior waiver or consent.
Prohibition of sale or barter
The sale, barter or other transfer or attempted sale, barter or other transfer of any points or benefits, other than as authorized and/or sponsored by CheckChangers, is expressly prohibited. Any points or benefits sold, bartered or otherwise transferred is in violation of the Rules and any accounts or Members involved in such sales, barters or other transfers may be subject to CheckChangers’s Remedies. The acquisition, use, transfer or attempted acquisition, use or transfer of points or benefits that have been acquired by purchase, barter or other transfer in violation of the Rules may result in CheckChangers’s exercise of CheckChangers’s Remedies.
Account activity
“Account Activity” shall be deemed to occur when a Member either (a) accrues points in such Member’s account in any manner recognized by the Program or (b) redeems any points from the Member’s account. In cases where points are for any reason removed from an account, as for example, redemption, and there is a subsequent cancellation of the redemption and a redeposit of the points to the Member’s account, this shall qualify as Account Activity. Neither CheckChangers’s correction of points in an account nor Prohibited Conduct shall qualify as Account Activity.
Partners
“Partners” means affiliates participating in the CheckChangers network. CheckChangers is not responsible for any products, services or other benefits provided by Partners. The Partners are independent entities, and CheckChangers is not responsible for the nature or quality of any products or services provided by Partners, nor for any solicitation efforts or other acts or omissions by Partners. Point accrual and redemption offers and other offers made to Members by a Partner for utilizing a Partner’s product or service can vary and Partner offers will be governed by the terms and conditions set forth by the applicable Partner. CheckChangers shall have no liability for Partner withdrawals from the Program; award or offer changes, including without limitation changes to the amount of points offered; discontinued CheckChangers or Partner products, services or other benefits, including without limitation status; cancellations caused by Partner withdrawals, including without limitation cancellations of points or any other act or failure to act by a Partner. CheckChangers may impose other restrictions upon the use of Partner offers or awards, with or without notice.
CheckChangers reserves the right to deny the redemption of points in connection with the use of any Partner product, service or other benefits, in the event that accrual of such points is prohibited by law or otherwise.
Privacy Policy
By participating in the Program, Members authorize CheckChangers to collect, maintain, use, process and share their information, including, without limitation, names, email addresses, physical addresses, account and other information in accordance with CheckChangers’s Privacy Policy. You can learn more about how CheckChangers collects, maintains, uses, processes and shares your information in CheckChangers’s Privacy Policy which may be viewed at www.checkchangers.com/privacy-policy/. CheckChangers’ Privacy Policy is merely a statement of administrative protocol; it is not a contract, nor does it create any contractual or legal rights. CheckChangers’s Privacy Policy is not made, or intended to be made, a part of these Rules.
Points accrual
Points will be accrued in a Member’s account only when the Member avails themselves of a means of accrual recognized under the Program. Members may only accrue points as a result of their own utilization of services. For the avoidance of doubt, businesses that are Members and employees of same, and employees of Partners are not eligible to accrue points.
Members may be required to supply a password and/or other security measures when conducting certain transactions in writing, by phone or on the internet for security or other purposes. Members are responsible for maintaining the confidentiality of their password and other security credentials, as applicable. CheckChangers is not responsible for stolen security credentials or passwords and will not redeposit points for redemptions using the Member’s security credentials or password.
Except as otherwise expressly permitted by CheckChangers, points can be accrued only after the Member’s official enrollment date and can be applied only to the Member’s account.
CheckChangers expressly reserves the right to establish the means of accruing points , to delete or modify any or all of the means currently recognized or to exclude specific types of transactions from the accumulation of points, with or without notice.
Claims about Member balances
Where a Member contends that points have been earned but not credited, or in cases where CheckChangers deems verification is required, CheckChangers reserves the right to require proof from the Member, including but not limited to copies of receipts or documentation verifying any transactions claimed to have been performed. Any claims for points by the Member and proof of such claims must be received by CheckChangers within twelve (12) months after the date such points was claimed to be earned.
Each Member shall have the responsibility to notify CheckChangers of any erroneous or fraudulent deduction from such Member’s account within twelve (12) months of the date of the deduction. CheckChangers will review such Member’s claim and reserves the right to require proof, documentation or certification from such Member during the review. A redeposit back into to such Member’s account of the points claimed to be erroneously deducted will be determined by CheckChangers in its sole discretion after review and CheckChangers’s decision will be considered final.
Point expiration
Points accrued in a Member’s account shall be maintained in the account until it is redeemed for an award or until it expires, whichever occurs first.
Any Member who fails at any time to engage in Account Activity (as defined in Rule 11 above) for a period of eighteen (18) consecutive months is subject to termination of such Member’s membership and/or forfeiture of all accrued points. CheckChangers may, but shall have no obligation to, send a Member a notification of miles nearing expiration.
Point redemption
CheckChangers shall establish the amount, structure, availability, process and other criteria for point redemption (including the amount of points necessary to redeem each award), all of which are subject to modification, cancellation or limitation at CheckChangers’s discretion, with or without notice. The amount of points required to redeem any award may be substantially increased or decreased, any award may be withdrawn, and restrictions on any award or its redemption may be imposed at any time. CheckChangers may prohibit award redemption for any Member at its discretion or when required by law or otherwise.
Awards may be used only for non-commercial purposes. Such awards will be issued only after a Member validates their account via use of a password or other security measures that CheckChangers has in place at the time of the award request.

20.  Miscellaneous.

The provisions and conditions of the TOU constitute the entire agreement between CC and you related to the use of the Site and supersedes any prior agreements or understandings not incorporated in the TOU in connection with the use of this Site.  The TOU are effective as of the Effective Date.  Continued use of the Site by you after the Effective Date constitutes your acceptance of the TOU as of the Effective Date.

CC does not waive any rights set forth in these TOU or our right to enforce these TOU by merely choosing not to exercise or enforce our rights in a particular circumstance.  If any application of a provision of these TOU is held to be invalid or unenforceable to any extent, the remainder of these terms, or the application of such provision in other circumstances, will not be affected by such holding and every other provision may be enforced to the fullest extent permitted by law.  These TOU constitute the entire agreement between you and us with regard to your use of the Site, and will not affect, supersede, or modify any terms or conditions set forth in any other agreement.

Should you have any questions concerning the TOU, or if you desire to contact CC for any reason, please contact our Webmaster, or by mail at CheckChangers, 425 Huehl Rd. Building 2, Northbrook, IL 60062.

Effective Date: February 21, 2014