RewardCenter

Accountholder Agreement

IMPORTANT – PLEASE READ CAREFULLY. THIS AGREEMENT INCLUDES, AMONG OTHER THINGS, AN ARBITRATION PROVISION CONTAINING A CLASS ACTION WAIVER.

IF YOU OBTAIN A VIRTUAL ACCOUNT AND AUTHORIZE OTHERS TO USE IT, YOU ARE SOLELY RESPONSIBLE FOR ANY AND ALL CHARGES TO THE VIRTUAL CARD. BE SURE TO PROVIDE THE RECIPIENT OF THIS VIRTUAL ACCOUNT THIS ACCOUNTHOLDER AGREEMENT.

  1. Accountholder Agreement for Virtual Reward Center Visa or MasterCard Incentive Virtual Card

    This Accountholder Agreement ("Agreement") is an agreement between you and Sutton Bank (the "Bank"), and outlines the terms and conditions under which the Virtual Reward Center Visa or MasterCard Incentive Virtual Card has been issued to you. Bank is an FDIC insured member institution. By accepting and/or using the Virtual Account, you agree to be bound by the terms and conditions contained in this Agreement. "Card" means the Virtual Reward Center Visa or MasterCard Incentive Virtual Card loaded with a specific value and issued to you by Bank. "Sponsor" means an entity that provides funds in the Card Account for your use. "Virtual Account" means the records we maintain to account for the value of claims represented by a 16-digit account number issued to you by Bank. "You" and "your" mean the person or persons who have received the Virtual Account and are authorized to use the Virtual Account as provided in this Agreement. "We," "us," and "our" mean the Bank and its successors, affiliates, and assignees. "Website" means cardholder.virtualrewardcenter.com. Virtual Rewards Center and its affiliates, parents and/or subsidiaries, is not a party to this Agreement, and is not an affiliate or assignee of the Bank. This Agreement does not affect the relationship between you and Virtual Rewards Center.

    Please read this Agreement carefully and keep it for future reference. Your Virtual Card will expire in accordance with its expiration date, UTC (Coordinated Universal Time) . The Virtual Account is a prepaid account. You acknowledge and agree that the maximum value available in the Virtual Account is limited to the funds you have loaded into the Virtual Account or have been loaded into the Virtual Account on your behalf. You have received the Virtual Account as a gratuity from Sponsor without the payment of any monetary value or consideration. The funds in the Virtual Account are not held in a separate account; instead, they are pooled with funds of other cardholders and held by in an account with the Bank for your benefit, with the balance of such funds to be reduced through your use of such funds in accordance with the terms of this Agreement. The Virtual Account is not connected in any way to any other account. Subject to the exclusion below, you may use your Virtual Account to make purchases at any merchant that accepts Visa or MasterCard debit cards, subject to your available Virtual Account balance and the other terms and conditions of this Agreement. You may not use your Card, and your Card will be declined if you attempt to use your Card, for any services that may result in repeat payments (e.g., subscriptions), or for items or services that may result in follow-on charges (e.g., car rentals).

    Each time you use your Virtual Account, you authorize Bank to reduce the funds available in your Virtual Account by the amount of the transaction. The Virtual Account is not a gift card or gift certificate. The Virtual Account is not a credit card. The Virtual Account is not for resale. You will not receive any interest on your funds in the Virtual Account. The Virtual Account will remain the property of the Bank and must be surrendered upon demand. The Virtual Account is nontransferable and it may be canceled, repossessed, or revoked at any time without prior notice subject to applicable law. The Virtual Account is not designed for business use, and we may close your Virtual Card if we determine that it is being used for business purposes or in a manner that is not consistent with the intended use of the Virtual Card. We may refuse to process any transaction that we believe may violate the terms of this Agreement.

  2. Your Virtual Account

    After successful registration you will receive your Virtual Account number on the website. Your Virtual Account will be active at that time and you may begin using it then. If you experience difficulty, please call us at 866-882-0410.

    Virtual Account Security: Do not share your Virtual Account number with anyone. You should treat your Virtual Account number with the same care as you would treat cash. Either memorize your Virtual Account number or keep it in a safe place. Do not send your Virtual Account number in an email or text message. Make sure your Virtual Account number is secured with encryption when you use your Virtual Account to perform transactions over the Internet or wireless networks. If you believe that anyone has gained unauthorized access to your Virtual Account number, you should advise us immediately, following the procedures in the paragraph labeled "Your Liability for Unauthorized Transactions".

  3. Digital Wallet

    Adding Your Card to a Digital Wallet: You may elect to add your Card to one or more digital wallets ("Digital Wallets") supported by Bank and subject to the Terms for Adding Your Card to a Digital Wallet ("Digital Wallet Terms"). The Digital Wallet provider may allow you to conduct Transactions at a point of sale device and you may not be able to use your Card to perform Transactions at such point of sale devices until you have selected a personal identification number ("PIN") pursuant to this Agreement. Contact Customer Service at 866-882-0410 or on the website immediately if you believe someone has gained unauthorized access to your PIN, or someone has transferred or may transfer funds from your Card Account without your permission. Contacting us by telephone at 866-882-0410 is the best way to minimize your possible losses. (See Your Liability for Unauthorized Transactions.)

    Setting a PIN & PIN Security: You will need to set a PIN for your virtual Card when you choose to add your Card to a digital wallet. (See Adding Your Card to a Digital Wallet.) When selecting a PIN, you should not use numbers or words that appear in your wallet (e.g., date of birth, address, or social security number). You must memorize your PIN and do not share it with anyone. Do not write the PIN on a Card or keep it in the same location as the Card.

  4. Using Your Virtual Account/Features

    You acknowledge and agree that the value available in the Virtual Account is limited to the balance of the Virtual Account. Subject to the exclusions in Section 1 above, you may use your Virtual Account to purchase or lease goods or services in the United States and District of Columbia online, by mail or telephone wherever Visa or MasterCard debit cards are accepted as long as you do not exceed the value available in your Card Account. You are responsible for all transactions initiated by use of your Virtual Card, except as otherwise set forth herein. If you do not have enough funds available in your Virtual Account for the amount authorized by you, your transaction will be declined. If you do not have enough funds available in your Virtual Account, you can instruct the merchant to charge a part of the purchase to the Virtual Account and pay the remaining amount with cash or using another payment method. These are called "split transactions." Some merchants do not allow cardholders to conduct split transactions. Some merchants will only allow you to do a split transaction if you pay the remaining amount in cash. You are not allowed to exceed the available amount in your Virtual Account through an individual transaction or a series of transactions made with your Virtual Account. Nevertheless, if a transaction exceeds the balance of the funds available in your Virtual Account, you shall remain fully liable to us for the amount of the transaction.

    Your Virtual Account cannot be redeemed for cash. You cannot use your Virtual Account to obtain cash from an Automated Teller Machine ("ATM"), POS device, or by any other means. You may not use your Virtual Card at an ATM. You may not use your Virtual Account for any illegal transactions, use at casinos, and any activity. Your Virtual Account may not be used outside of the U.S. and District of Columbia, and may not be used with non-U.S. merchants, including online and mail or telephone orders if the merchant is outside of the U.S. and District of Columbia. Any purchases made with the Virtual Card must only be in U.S. currency.

    Merchant Holds on Available Funds: When you use your Virtual Account number to initiate a transaction at certain merchant locations (e.g., hotels, restaurants, and gas stations) where the final purchase amount is unknown at the time of authorization, a hold may be placed on the available funds in your Virtual Account for an amount equal to or in excess of the final transaction amount. The funds subject to the hold will not be available to you for any other purpose until the merchant sends us the final transaction amount. Once we receive the final transaction amount, it may take up to seven (7) days for the hold to be removed. During that period, you will not have access to the funds subject to the hold. Please be advised that you may experience difficulties using your Virtual Account at unattended vending machines, kiosks, and gas station pumps. If your Virtual Account is declined at a "pay at the pump" gas station even though you have sufficient funds available, you should pay for your purchase inside with the cashier.

  5. Authorized Card Users

    You are responsible for all transactions and fees incurred by use of your Virtual Account. If you permit another person to have access to your Virtual Account or Virtual Account number, we will treat this as if you have authorized such use and you will be responsible for all transactions and fees incurred by those persons. You are wholly responsible for the use of your Virtual Account according to the terms and conditions of this Agreement.

  6. Representations and Warranties

    By successfully registering your Virtual Account or by retaining, using or authorizing the use of the Virtual Account, you represent and warrant to us that: (i) you are at least 18 years of age (or older if you reside in a state where the majority age is older); (ii) you are a U.S. citizen or legal alien residing in the United States or the District of Columbia; (iii) the personal information provided to us in connection with your Virtual Account is true, correct and complete; (iv) you have received a copy of this Agreement and agrees to be bound by and to comply with its terms; and (v) you accept the Virtual Account. If you are under eighteen (18) years of age (or older if you reside in a state where the majority age is older), your parent or legal guardian may enter into this Agreement, and you may become an authorized user of the Virtual Account.

  7. Sponsor

    The Card and the funds in the Card Account are made available to you at the request of the Sponsor. The terms of any payment from the Sponsor to you, including whether such funds belong to you and the correct amount, are matters between you and the Sponsor. We have no responsibility for resolving such disputes.

  8. Loading Your Virtual Account

    Your Virtual Account has been issued to you with a specific value. Your Virtual Account is not reloadable. You will have access to your funds as soon as your Virtual Account is successfully registered (see "Your Virtual Account" above). You may also obtain the value of your Virtual Account by calling 866-882-0410 or visiting cardholder.virtualrewardcenter.com.

  9. Responsibility for Transactions

    You do not have the right to stop payment on any purchase transaction originated by use of your Virtual Account. If you authorize a transaction and then fail to make a purchase of that item as planned, the approval may result in a hold for that amount of funds for up to 10 days.

  10. Business Days

    For purposes of these disclosures, Bank’s business hours are Monday - Friday, 9 AM to 5 PM Pacific Time, Holidays not included.

  11. Returns and Refunds

    If you are entitled to a refund for any reason for goods or services obtained with your Virtual Account, you agree to accept credits to your Virtual Account for such refunds. The amounts credited to your Virtual Account for refunds may not be available for up to five (5) days from the date the refund transaction occurs.

  12. Virtual Account Replacement

    If you need to replace your Virtual Account for any reason, please contact us at 866-882-0410 to request a replacement Virtual Account. There are certain restrictions that must be met before we can replace your Virtual Account in certain circumstances. You will be required to provide personal information, which may include your Virtual Account number, full name, transaction history, copies of accepted identification, etc. We reserve the right to require an affidavit signed by you and to conduct an investigation into the validity of any request. It may take up to thirty (30) days to process a request for a replacement Virtual Account; however, we will try to provide you with a replacement Card on as timely a basis as is reasonable under the circumstances.

  13. Expiration

    Your Virtual Account will expire in accordance with its expiration date, UTC. Once this expiration date has passed, the Virtual Account will be voided and will not be replaced except in our sole discretion. All funds in the Virtual Account expire when your Virtual Account expires. If you do not spend all the funds in your Virtual Account prior to this expiration date, the remaining funds will not be available to you. You have no right to the funds except to use them for authorized purchases prior to the date your Virtual Account expires. If additional funds are added to the Virtual Account, those funds will be subject to this Agreement and also must be used prior to the date your Virtual Account expires. We may, in our sole discretion and if requested by the Sponsor, provide a new Virtual Account to you. If we do issue a new Virtual Account to you by providing you with a new Virtual Account number, any unexpired funds remaining on your old Virtual Account will transfer automatically to your new Virtual Account, but only if your old Virtual Account has not already expired. That new Virtual Account also will have an expiration date and all funds in the new Virtual Account must be used prior to that expiration date.

  14. Fees

    This Card has NO FEES AFTER PURCHASE (including inactivity, dormancy, service or other fees).

  15. Receipts

    You should get a receipt at the time you make a transaction using your Virtual Account. You agree to retain your receipt to verify your transactions.

  16. Obtaining Card Account Information

    You may obtain information about the amount of money you have remaining in your Virtual Account by contacting us at 866-882-0410. This information, along with a 60-day history of account transactions, is also available by accessing your Virtual Reward Center Account online at cardholder.virtualrewardcenter.com. You also have the right to obtain a sixty (60) day written history of account transactions by calling 866-882-0410 or write us at support@virtualrewardcenter.com.

  17. Confidentiality

    Bank may disclose information to third parties about your Virtual Account or the transactions you make from the use of your Virtual Account solely:

    1. Where it is necessary for completing transactions
    2. In order to verify the existence and condition of your Virtual Account for a third party, such as merchant;
    3. In order to comply with government agency or court orders, or other legal reporting requirements;
    4. If you give us your written permission; or
      To our employees, auditors, affiliates, service providers, or attorneys as needed. Please see our Privacy Policy, available at www.suttonbank.com/custom/fi/sutton/fb/disclosure/Privacy_Policy.pdf for further details.
  18. Our Liability for Failure to Complete Transactions

    If we do not complete a transaction to or from your Virtual Account on time or in the correct amount according to this Agreement with you, we will be liable for your losses and damages proximately caused by us. However, there are some exceptions. We will not be liable, for instance:

    1. If, through no fault of ours, you do not have enough funds available in your Virtual Account to complete the transaction;
    2. If a merchant refuses to accept your Virtual Account;
    3. If an electronic terminal where you are making a transaction does not operate properly and you knew about the problem when you initiated the transaction;
    4. If access to your Virtual Account has been blocked after you reported your Virtual Account lost or stolen;
    5. If there is a hold or your funds are subject to legal process or other encumbrance restricting their use;
    6. If we have reason to believe the requested transaction is unauthorized;
    7. If circumstances beyond our control (such as fire, flood or computer or communication failure) prevent the completion of the transaction, despite reasonable precautions that we have taken;
    8. Any other exception stated in our Agreement with you.
  19. Lost or Stolen Virtual Accounts; Unauthorized Transactions

    Replacement Virtual Accounts: You agree to use your best efforts to safeguard your Virtual Account. If you believe your Virtual Account or Virtual Account number has been lost or stolen or you need a replacement Virtual Account, contact us immediately by calling 866-882-0410. You should also call the number if you believe a transaction has been made using the information from your Virtual Account without your permission.

    Your Liability for Unauthorized Transactions: Tell us, AT ONCE, if you believe your Virtual Account, Virtual Account number, or PIN has been lost or stolen or of any unauthorized transactions. Telephoning us toll-free at 866-882-0410 is the best way of keeping your possible losses down. You could lose all the money in your Virtual Account. If you tell us within 2 business days after you learn of the loss or theft of your Virtual account, Virtual Account number, or PIN, you are responsible for no more than $50 if someone used your Virtual Account, Virtual Account number, or PIN without your permission. If you do NOT tell us within 2 business days after you learn of the loss or theft of your Virtual Account, Virtual Account number, or PIN and we can prove we could have stopped someone from using your Virtual Account, Virtual Account number, or PIN without your permission if you had told us, you could lose as much as $500. We may require you to provide a written statement regarding claims of unauthorized transactions. Also, if your electronic history shows transactions that you did not make, tell us at once. If you do not tell us within 60 days of the date the first unauthorized transaction could be viewed in your electronic history, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from spending the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we may extend the time periods for a reasonable period.

  20. Other Terms

    Your Virtual Account and your obligations under this Agreement may not be assigned. We may transfer our rights under this Agreement without your consent. Use of your Virtual Account is subject to all applicable rules and customs of any clearinghouse or other association involved in transactions. We do not waive our rights by delaying or failing to exercise them at anytime. If any provision of this Agreement shall be determined to be invalid or unenforceable under any rule, law, or regulation of any governmental agency, local, state, or federal, the validity or enforceability of any other provision of this Agreement shall not be affected. This Agreement will be governed by the law of the State of Ohio except to the extent governed by federal law.

  21. Amendment and Cancellation

    We may amend or change the terms of this Agreement at any time without prior notice to you except as required by applicable law. However, if the change is made for security purposes, we can implement such change without prior notice. We may cancel or suspend your Virtual Account or this Agreement at any time without prior notice to you except as required by applicable law. You may cancel this Agreement by notifying us at 866-882-0410 or write us at support@virtualrewardcenter.com. Your termination of this Agreement will not affect any of our rights or your obligations arising under this Agreement prior to termination.

    In the event that your Virtual Account is cancelled, closed, or terminated for any reason and you have registered your Virtual Account number with your personal information, you may request the unused balance to be returned to you. It may take up to 30 days after account closure to return any unused balance. Should your Virtual Rewards Center Account lapse or be terminated (for example, if there is suspected fraud or unauthorized activity), we will also close your Virtual Account.

  22. Information About Your Right to Dispute Errors

    In case of errors or questions about your Virtual Account telephone us at 866-882-0410 or write us at support@virtualrewardcenter.com as soon as possible, if you think an error has occurred in your Virtual Account. We must hear from you no later than 60 days after the earlier of the date the transaction could be viewed in your electronic history. You will need to tell us the following: (1) your name, (2) your Virtual Account number, (3) why you believe there is an error, (4) the dollar amount involved, and (5) approximately when the error took place. If you provide this information orally, we may require that you send your complaint or question in writing within ten (10) business days. If we ask you to put your complaint or question in writing and you do not provide it within sixty (60) calendar days of the date of the transaction in error, we may not credit your Virtual Account. Once your written dispute has been received, we will determine whether an error occurred within sixty (60) calendar days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to ninety (90) days to investigate your complaint or question. If we decide to do this, we will notify you verbally or in writing. For errors involving new Virtual Accounts, we may take up to ninety (90) days to investigate your complaint or question. If we ask you to put your complaint or question in writing and you do not provide it within sixty (60) calendar days of the date of the transaction in error, we may not credit your Virtual Account.

    You agree to cooperate with any investigation we may make. We will tell you the results within three (3) business days after completing the investigation. If we determine an error has occurred, we will credit the transaction in error upon completing the investigation. If we decide that there was no error, we will send you a written explanation. Copies of the documents used in the investigation may be obtained by contacting us at the phone number or address listed at the beginning of this section.

  23. Customer Service

    For customer service or additional information regarding your Virtual Account, please call us at 866-882-0410 or email us at support@virtualrewardcenter.com.
    Customer Service agents are available to answer your calls daily between 8am and 8pm Eastern Time.

  24. Telephone Monitoring/Recording

    From time to time we may monitor and/or record telephone calls between you and us to assure the quality of our customer service or as required by applicable law.

  25. No Warranty Regarding Goods and Services

    We are not responsible for the quality, safety, legality, or any other aspect of any goods or services you purchase with your Virtual Account.

  26. Arbitration

    As used in the Arbitration Provision, the terms "we" and "us" shall for all purposes mean Bank, and their wholly or majority owned subsidiaries, affiliates, licensees, predecessors, successors, and assigns; and all of their agents, employees, directors and representatives. In addition, "we" or "us" shall include any third party using or providing any product, service or benefit in connection with any Virtual Accounts (including, but not limited to Virtual Rewards Center, merchants who accept the Virtual Account, third parties who use or provide services, debt collectors and all of their agents, employees, directors and representatives) if, and only if, such third party is named as a co-party with us (or files a Claim with or against us) in connection with a Claim asserted by you. As solely used in this Arbitration Provision, the terms "you" or "yours" shall mean all persons or entities approved by us to have and/or use a Virtual Account, including but not limited to all persons or entities contractually obligated under any of the Agreements and all additional cardholders.

    Any claim, dispute, or controversy ("Claim") arising out of or relating in any way to: i) this Agreement; ii) your Virtual Account; iii) your Virtual Account of any additional cardholders designated by you; iv) your receipt of the Virtual Card; v) your usage of the Virtual Card; vi) the amount of available funds in the Virtual Card; vii) advertisements, promotions or oral or written statements related to your Virtual Account, as well as goods or services purchased with your Virtual Account; viii) the benefits and services related to your Virtual Account; or ix) transaction on your Virtual Card, no matter how described, pleaded or styled, shall be FINALLY and EXCLUSIVELY resolved by binding individual arbitration conducted by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules. This arbitration agreement is made pursuant to a transaction involving interstate commerce, and shall be governed by the Federal Arbitration Act (9 U.S.C. 1-16).

    We will pay the initial filing fee to commence arbitration and any arbitration hearing that you attend shall take place in the federal judicial district of your residence.

    ARBITRATION OF YOUR CLAIM IS MANDATORY AND BINDING. NEITHER PARTY WILL HAVE THE RIGHT TO LITIGATE THAT CLAIM THROUGH A COURT. IN ARBITRATION, NEITHER PARTY WILL HAVE THE RIGHT TO A JURY TRIAL OR TO ENGAGE IN DISCOVERY, EXCEPT AS PROVIDED FOR IN THE AAA CODE OF PROCEDURE.

    For a copy of the procedures, to file a Claim or for other information about these organizations, contact them as follows: AAA, at 335 Madison Avenue, New York, NY 10017 or at www.adr.org.

    All determinations as to the scope, interpretation, enforceability and validity of this Agreement shall be made final exclusively by the arbitrator, which award shall be binding and final. Judgment on the arbitration award may be entered in any court having jurisdiction.

    NO CLASS ACTION, OR OTHER REPRESENTATIVE ACTION OR PRIVATE ATTORNEY GENERAL ACTION OR JOINDER OR CONSOLIDATION OF ANY CLAIM WITH A CLAIM OF ANOTHER PERSON OR CLASS OF CLAIMANTS SHALL BE ALLOWABLE.

    This arbitration provision shall survive: i) the termination of the Agreement; ii) the bankruptcy of any party; iii) any transfer, sale or assignment of your Virtual Account, or any amounts owed on your Virtual Account, to any other person or entity; or iv) expiration of your Virtual Card. If any portion of this arbitration provision is deemed invalid or unenforceable, the remaining portions shall remain in force.

    IF YOU DO NOT AGREE TO THE TERMS OF THIS ARBITRATION AGREEMENT, DO NOT ACTIVATE OR USE THE CARD. SAVE YOUR RECEIPT AND CALL US AT 866-882-0410 TO CANCEL YOUR VIRTUAL ACCOUNT AND TO REQUEST A REFUND.

    The Virtual Account is issued by Sutton Bank
    1 South Main Street
    Attica, OH 44807

    The Virtual Reward Center Virtual Card is issued by Sutton Bank, member FDIC, pursuant to license by Visa U.S.A. Inc. or MasterCard International.

Frequently Asked Questions

About Your Visa or MasterCard

Q. Where can I use this card?
A. You can use your card to make purchases at any US-based merchant that accepts Visa® or MasterCard® debit cards. If you have a virtual Visa or MasterCard, your card can be used at online merchants as well as for catalog and telephone orders.  If you have a plastic Visa or MasterCard, your card can be used at both online and at retail locations
Q. Why is the word "Debit" on the front of the card?
A. Card issuers are required to label non-credit products with the term “Debit.”. However, when prompted at checkout, you may choose either credit or debit (if you have a PIN) at the point of sale to complete a transaction.
Q. Can exchange this card for its cash value or can I get cash at an ATM?
A. Your card cannot be exchanged for cash value, and it cannot be used to withdraw cash an ATM or to request cashback at the point of sale.
Q. Can I register and use this card for purchases outside the United States?
A. No. This card is good for purchases only in the US or at US-based online merchants, and can only be registered to residents of the US.
Q. How is my card different than a credit card?
A. Your credit card gives you a line of credit in advance of receiving funds which you have to pay back. Your debit card already has the funds loaded to it. You can spend the funds as you see fit, but you can’t spend more than your current available card balance.
Q. Will I receive a paper statement for my card?
A. All transactions that you make with your card are available online. Log into cardholder.virtualrewardcenter.com and click on the Card Image to view your complete transaction history, including payments and spend activity. There is also an option to print your transaction details.

Managing Your Card

Q. How do I activate my card?
A. If you received your card with an activation sticker on the front, simply call the phone number on the sticker and follow the instructions. If you do not have an activation sticker on the front of your card, your card is already activated and ready to use.
Q. How do I view my card/transaction activity online?
A. All transactions that you make with your card are available for viewing online. Click on the Card Image view your complete transaction history, including payments and spend activity. There is also an option to print your transaction details.
Q. My card says “DEBIT” on it – do I need to have a PIN to use it?
A. You may choose to use your card with or without a PIN. To use your card without a PIN, you must select “Credit” when you make a purchase. If you prefer to select “Debit” when you make a purchase, you must assign a PIN and then enter that PIN when prompted at purchase. To set your PIN, call 1-877-448-3970.
Q. How do I set or change my PIN?
A. Call 1-877-448-3970  to select your PIN. To keep your card balance secure, you must protect the confidentiality of your PIN. If you forget your PIN or believe that your PIN is no longer secure, contact Customer Service immediately. . We advise against writing your PIN on your card or keeping a notation of your PIN with your card. You are responsible for the protection of your PIN and you will not be able to recover funds lost as a result of unauthorized use of your PIN.
Q. What should I do if my card is lost or stolen?
A. Report a lost or stolen card immediately by calling the Virtual Reward Center at 1-800-604-1815 . If you report the lost or stolen card in a timely manner, you will not be responsible for any unauthorized charges per the Terms and Conditions.
Q. How do I change the address associated with card?
A. If you have moved or the address to which your card was mailed was incorrect, please update your information by logging into RewardCenter.com and clicking on the Profile link at the top of the page. If you need assistance updating your account information, please contact the Virtual Reward Center using the number on the back of your card.
Q. Does my card ever expire?
A. Yes. The date on which your card expires is printed on the front of your card. After your card expires, the remaining balance on your card will no longer be available.
Q. How do I cancel my card?
A. If you wish to cancel your card, please contact Customer Service by using the number on the back of your card. However, the card has no cash value, and your card cannot be redeemed for cash.

Shopping With Your Card

Q. How do I use my card to purchase goods and services?
A. You can use your card to make purchases at any merchant (online or in-store) that accepts Visa or MasterCard based debit cards (depending on the brand presented on the front of your card). To complete a transaction, select "credit" as your payment option to indicate you will sign to authorize your transaction. If the funds are available in your account, the purchase will be approved. You may also use the "debit" functionality to complete a transaction by entering a PIN at the point of sale. However, you may not use your Visa or MasterCard debit card to request cash-back with your purchase.
Q. Why does my card not work when I try to pay-at-the-pump?
A. When paying for fuel at the pump, nearly all gas stations pre-authorize your card for $75 – $125.  That’s because they don’t know in advance how much gas you are going to pump and their technology may not be smart enough to know what available balance is available on your card.  So, even if you have enough money on your card to cover the amount you’d like to purchase, you still may get declined. To avoid this, just take your card into the gas station and tell the attendant in advance how much gas you would like to purchase.
Q. How do I shop online using my card?
A. Shopping online is easy. Just follow these simple steps:
  1. Select the items you want to buy
  2. Proceed to "check out"
  3. Select Visa or MasterCard as your payment option, depending on your card type
  4. Enter your 16-digit card number, and the 3-digit Security Code (if required, it can be found on the back of the card and it is the last three digits printed in the signature panel), and your expiration date
  5. Enter the billing address EXACTLY as you have entered it when you registered your Visa or MasterCard.
That’s it. The merchant will process your transaction.
Q. When shopping in a store, how can I split a payment between my card and another form of payment?
A. If your purchase amount is more than the available balance on your card and you’d like to perform a split transaction, tell the cashier that you’d like to use two forms of payment for your purchase. Use your card as the first form of payment and tell the cashier the exact amount to swipe the card for. Pay the difference with another form of payment. Please note, this function is not available at all merchants.
Q. When shopping online, can I split a payment between my card and a credit card?
A. You can only split a payment if the online merchant permits "split" payments. Please note however, that most online stores only accept one credit card for payment. And since your card is processed like a Visa or MasterCard transaction, you likely won’t be able to enter more than one card type to complete the transaction.
Q. What if the amount of my purchase is more than my available balance?
A. In this case, your purchase will be declined, unless you have arranged to perform a split payment.
Q. Why did my balance only decrease by $1 after I made a purchase at a merchant?
A. Often, online merchants like ITunes do not immediately charge customers for the full amount of the purchase. Many will "authorize" (temporarily deduct) $1 from your balance for to verify you’re your account is valid and has a balance. In most cases, merchants that operate in this manner will debit your balance for the full amount of the purchase and return the "authorized" $1 to your balance. The merchant may take up to 30 days to return these funds to your balance.
Q. What if a transaction is not approved by an online store?
A. In the unlikely event that your transaction is declined by an online store, please make sure that you have done the following:
  1. Verify that the merchant accepts signature based Visa orMasterCard debit cards.
  2. Selected "credit card" as the payment method
  3. Correctly entered your 16-digit card number, your card expiration date and your Security code (found on the back of your plastic card or flipping the image of your virtual card displayed on RewardCenter.com)
  4. Entered your billing address exactly as it appears on your Visa or MasterCard card account
  5. Ensured that the balance on your card is sufficient to cover the amount of your purchase plus any applicable taxes and shipping costs.
If these tips do not resolve your issue, please contact Customer Service by using the number printed on the back of your card.

Security And Privacy

Q. How do I know my personal and card information is secure?
A. All transactions take place on a secure server, and all of your personal and card information is encrypted using a Secure Socket Layer (SSL). We encourage you to carefully review our Privacy and Security Policies.

The Virtual Reward Center Privacy Policy

Effective Date: December 21, 2011

Privacy Policy: The Small Print

We at The Virtual Reward Center respect your concerns about privacy and value the relationship we have with you. This Privacy Notice describes the types of personal information we may collect on our website www.virtualrewardcenter.com, how we may use that information, and with whom we may share it. Our Privacy Notice also describes the measures we take to protect the security of the information. In addition, we describe the choices you can make about how we use the information you provide to us. We also tell you how you can reach us to update certain information you've given us, ask us not to send you future communications, or answer any questions you may have about our privacy practices.

The Truste Privacy Seal

The Virtual Reward Center has been awarded TRUSTe's Privacy Seal signifying that this privacy policy and practices have been reviewed by TRUSTe for compliance with TRUSTe's program requirements including transparency, accountability and choice regarding the collection and use of your personal information. The TRUSTe program covers the website www.virtualrewardcenter.com . TRUSTe's mission, as an independent third party, is to accelerate online trust among consumers and organizations globally through its leading privacy trustmark and innovative trust solutions. If you have questions or complaints regarding our privacy policy or practices, please contact us here . If you are not satisfied with our response you can contact TRUSTe here.

Information We Collect and How We Use It

You may choose to provide personal information (such as your name, address, telephone number and e-mail address) on this website. Here are the ways you may provide the information and the types of information you may submit. We also tell you how we may use the information.

Creating An Account

To take full advantage of all our website offerings, you may choose to create an account on our site. To create an account, we ask you to submit certain information (such as your contact information and credit card number) so we can communicate with you and provide you with the products you order.

Purchases

If you've created an account on the site, you may buy our products or services online. We use the contact and payment information you provide when you set up an online account so we can send you the items you ordered or provide the services you've requested. We may use service providers to help us fulfill your order. We share information about you with these service providers only for this purpose.

E-mail

When you create an account on the site, we request your e-mail address so we can communicate with you by e-mail. For example, we will use your e-mail address to send you your login, which will allow you to access your account online.

Contact Us

You may choose to contact us through our website. If you e-mail us through the "Contact Us" link on this site, we ask you for information such as name and e-mail address so we can respond to your questions and comments. You may choose to provide additional information as well. We use the information you provide to respond to your inquiries.

If your personally identifiable information changes, or if you no longer desire our service, you may correct, update, or delete it by making the change on our member information page or by contacting us by telephone or postal mail at the contact information listed below.

We will retain your information for as long as your account is active or as needed to provide you services. Please contact us if you wish to cancel your account or request that we no longer use your information to provide you services. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.

Cookies

When you visit our website, your browser automatically sends us certain Internet-related information (such as the Internet Protocol (IP) address of the computer you're using). We also may use cookies to better understand how visitors use our site.

Cookies are small text files that websites often store on the computer hard drives of visitors to their sites. A cookie contains a unique code, which is used to recognize your computer when a user of your computer returns to a website that was visited previously. Web beacons are Internet tools that help us determine, for example, whether a website page has been viewed. We use cookies and Web beacons to enhance the online experience of our visitors and to better understand how our site is used. Cookies and Web beacons may tell us, for example, whether you have visited our site before or whether you are a new visitor.

The "help" portion of the toolbar on most browsers will tell you how to stop accepting new cookies, how to be notified when you receive a new cookie, and how to disable existing cookies. Remember, though, without cookies, you may not be able to take full advantage of all our website features.

Information We Share

We do not sell, rent, trade or otherwise disclose personal information about our website visitors, except as described here. We share information provided by our website visitors with service providers we have retained to perform services on our behalf. These service providers are not authorized by us to use or disclose the information except as necessary to perform services on our behalf such as our shipping provider and our email service provider Hubspot. or to comply with legal requirements. We also may share information about you with other members of our corporate family. In addition, we may disclose information about you (i) if we are required to do so by law or legal process, (ii) in response to a request from law enforcement authorities or other government officials, (iii) when we believe disclosure is necessary or appropriate to prevent physical harm or financial loss or in connection with an investigation of suspected or actual illegal activity, or (iv) to exercise our legal rights or defend against legal claims.

We reserve the right to transfer any information we have about you in the event we sell or transfer all or a portion of our business or assets. Should such a sale or transfer occur, we will use reasonable efforts to try to direct the transferee to use personal information you have provided through this website in a manner that is consistent with this Privacy Notice.

Our Web site includes Social Media Features, such as the Facebook Like button [and Widgets, such as the Share this button or interactive mini-programs that run on our site]. These Features may collect your IP address, which page you are visiting on our site, and may set a cookie to enable the Feature to function properly. Social Media Features and Widgets are either hosted by a third party or hosted directly on our Site. Your interactions with these Features are governed by the privacy policy of the company providing it.

Testimonials

With your consent we may post your testimonial along with your name. If you want your testimonial removed please contact us.

Links to Other Sites

We may provide links to other websites for your convenience and information. These sites operate independently from our site and are not under our control. These sites may have their own privacy notices in place, which we strongly suggest you review if you visit any linked websites. We are not responsible for the content of these sites, any products or services that may be offered through these sites, or any other use of these sites.

Security

We maintain administrative, technical and physical safeguards designed to protect against unauthorized disclosure, use, alteration or destruction of the personal information we have about you. When you provide credit card information to make a purchase, we use the industry standard for Internet security -- Secure Socket Layer (SSL) technology -- to help protect the information you provide. This Internet encryption standard scrambles data as it travels from your computer to our server. Please note, however, that perfect security does not exist on the Internet. You'll know that you're in a secure area of our website when a "lock" icon appears on your screen and the "http" portion of our URL address changes to "https." The "s" stands for "secure."

Your Choices

If you would like to update your contact information or prefer not to receive certain communications from us (such as e-mail), please call us or write us using one of the options provided below or click here.

Updates to this Privacy Notice

We may update or change this Privacy Notice from time to time and without prior notice to you. We will post a prominent notice on this site to notify you of any significant changes to our Privacy Notice and indicate at the top of the Notice when it was most recently updated.

How to Contact Us

If you have any questions or comments about this Privacy Notice, or if you would like us to update certain information you have provided to us or your communication preferences, contact us by calling us at (877) 448-3970 or writing us at:

Reward Center
PO Box 152
Fishkill, NY 12524

Contact Us

Email
cardholder@virtualrewardcenter.com
Hours of Operation
Mon-Fri: 8:00 AM – 8:00PM (Eastern Time)