Rewards Programs - WorldPoints® Bank of America

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WorldPointsTM Rewards Program Rules

WorldPointsTM Rewards credit card customers are automatically enrolled in the WorldPointsTM Rewards program at no additional cost.
A complete selection of Rewards is displayed online at www.mbna.com (the "Site") and, upon request they will mail a printed pamphlet with an abridged selection of merchandise Rewards.

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General Terms
1. To participate in the program, you must (a) maintain a Card that is open and has charging privileges, and (b) be an individual (no corporations, partnerships, or other entities).
2. Point earnings are based on the new net retail purchase transaction volume (i.e., purchase less credits, returns, and adjustments) charged to the Card during each periodic billing cycle ("Billing Cycle") by the Participant(s) ("Net Purchase(s)"). Earn 1 Point per each Net Purchase dollar. Points are calculated at each transaction, rounded to the nearest whole Point, and are subject to verification.
Cash advances of any kind, including: Automated Teller Machine (ATM) and Bank teller withdraws, balance transfers, direct deposit cash advance transactions, and credit card cash advance checks; the purchase of money orders, person-to-person money transfers, wire transfers, bets, lottery tickets and casino gaming chips; insurance; debt cancellation charges; and any fees or similar charges will not earn Points. Online payments made through Bill Pay ChoiceSM are ineligible for Point earnings. Unauthorized transactions, including those made with a lost, stolen, canceled or fraudulent Card do not earn Points. From time to time, special promotions may feature Bonus Points. Details will accompany the offer.
3. For new customers, accrual of Points may begin on your Enrollment Date. Enrollment Date means the date we mail the Card and the Credit Card Agreement to you. If you are an existing credit card customer and your account is converted to the Program, you may not earn Points until the first day of the Billing Cycle beginning after you receive the Card(s). Points expire five (5) years from the end of the Billing Cycle during which the Points were earned.
4. The Billing Cycle statement will show your Points earnings. Points are not eligible for use until they have appeared on a Statement. With the exception of their use in connection with obtaining the specific Cash Rewards described above, Points have no intrinsic cash value, are non-negotiable, and cannot be redeemed for any benefit except those Rewards designated by us. Points are not property of any Cardholder or other person, and may not be brokered; bartered; attached; pledged; gifted; sold; or transferred to anyone else under any circumstances, including, but not limited to: disability; death; upon operation of law, or in connection with any domestic relations dispute and/or legal proceeding. We shall have no liability for disagreements between Cardholders regarding Points. Points cannot be used to pay off or pay down any credit card accounts issued by us. Discrepancies about Point earnings are not treated as credit card billing disputes: refer to your Statement for details about billing disputes. Our decisions regarding Point discrepancies shall be final. Unless specifically authorized by us, Points and Rewards may not be combined with other discounts, special rates, promotions, or other reward programs offered by us. Unless specifically authorized by us, Points cannot be transferred between any credit card accounts issued by us. For Points transfer eligibility, please visit www.mbna.com or contact us. A fee may apply. Points and Rewards may not be combined with any other entity, including airline frequent flier, hotel frequent guest or other travel-related or membership reward charge or credit card programs, whether in the U.S. or abroad.
Effective 10/23/06; by calling the WorldPoints Redemption Center, you may purchase extra Points in 1,000-Point increments. You may purchase up to a maximum of 10,000 Points per billing cycle. A fee may apply. Any extra Points purchased are subject to all terms and conditions of the Rules, including those concerning Point expiration.
5. To obtain Travel Rewards, Merchandise, Gift Card/Certificate Rewards, go to the Site or call the WorldPoints Redemption Center at 1.800.434.8313. To obtain Cash Rewards, please go the Site or call 1.800.421.2110. To redeem Points for Rewards available through the MyConcierge service, or to make requests through the MyConcierge service without redeeming Points, go to the Site or call the MyConcierge service at 1-800.435.7291. Redeemed Points are deducted from your Points balance as of the date you request a Reward. Requests to redeem or convert Points may be made by the Cardholder and the authorized user(s), if any. Decisions made by us regarding Points redemption shall be final. Neither FIA Card Services, N.A., nor any of the independent third parties shall have any liability for fulfilling Reward requests in good faith in response to any person claiming authority on your behalf. You may designate anyone as the user of a Travel Reward, but all travel documents will be sent to your billing address. Merchandise Rewards (including Gift Cards/Certificates) can be shipped to any address you designate, subject to the shipping terms found at the Site or by calling the WorldPoints Redemption Center. For specific information about the fulfillment of Cash Rewards or the conversion of Points, see the section of the Program Rules discussing this category of reward. MyConcierge Rewards may be issued to anyone you choose, subject to the terms contained in the MyConcierge Terms of Use.
6. Points redeemed for a Merchandise Reward may be credited back to your earnings if the Reward is returned in a timely fashion and in accordance with the procedures we specify. Travel Rewards, Gift Card/Certificate Rewards, and MyConcierge Rewards are considered fully redeemed once issued. No refunds, credits, or substitutions will be issued if improper proof of citizenship or naturalization result in denied boarding or entry when using a Travel or MyConcierge Reward. Cash Rewards are fully redeemed once a check has been issued and mailed to you. We shall not be responsible for lost, stolen, or undelivered checks and substitute checks will be made available. Once a Reward is issued and the value of any transaction(s) forming part of any or all of the Points used to obtain the Reward is either refunded, credited, or otherwise rescinded, we may, at our discretion, cancel reservations, void travel documents, interrupt the shipment of merchandise, stop payment on any check(s), and/or withhold subsequent Points, or collect any amount(s) you owe, in any appropriate manner, including, but not limited to, the posting of an equivalent dollar debit in the form of a cash advance transaction to your Card.
7. If a Cardholder voluntarily closes the Card or we close the Card, all unused Points are immediately and irrevocably forfeited. We reserve the right to disqualify anyone from participation in the Program, refuse to award or redeem Points, and close your Card if, in our sole judgment, you or any other person(s) using the Card, have violated any of the Program Rules, including but not limited to acts of fraud or other abuse. You are responsible for all transactions and other activities resulting from the use of your WorldPoints credit card account. You must immediately notify us of any actual or suspected unauthorized use of your account.
8. We may, at any time, without prior notice, (a) change, limit, or terminate any aspect of the Program; (b) terminate the Card Program in its entirety; (c) amend the Program Rules, benefits or features, in whole or in part; (d) may discontinue or replace any Reward with a similar one of lesser, equal, or greater value; (e) may modify, delete or terminate any or all of the Program, the Program Rules or any portion thereof, any or all of the participating partners (if any), Rewards, benefits, or special offers if applicable; or (f) terminate a Cardholder's participation in the Card Program for any reason. Changes may affect outstanding transactions and Points, and may include, but are not limited to, the earnings rate for Points, the number of Points required to redeem Rewards, the number of Points required for any Reward, the type of transactions qualifying for Points, the type or value of Rewards, the expiration date of Points and the maximum number of Points that may be earned per month or year, or otherwise, if applicable. Any of the foregoing actions may be taken even if such actions affect the value of Points already earned. The program is not scheduled to end on a predetermined date.
9. We are not responsible for delayed or lost correspondence sent by U.S. mail or any other form of delivery, including e-mail. We assume no responsibility for any error, omission, interruption, deletion, defect, delay in operation or transmission, theft, destruction, or unauthorized access to, or alteration of Points accrued and redeemed or other Program activities. For information about our rights and your responsibilities regarding the online portion of the Program, see the Terms of Use at the Site.
10. Suppliers of goods and services are independent contractors and are neither agents nor employees of FIA Card Services, N.A., Visa U.S.A. Inc., MasterCard International Inc., or any of their affiliates; or any group, organization, or entity endorsing a credit card program issued by FIA Card Services, N.A. FIA Card Services, N.A. neither offers, endorses, nor guarantees any of the goods, services, information, or recommendations provided by third parties to you.
11. Independent third parties manage the Merchandise and Gift Card/Certificate Rewards portions of the Program. An independent third party travel agency, registered to do business in California (Reg. No. 2036509-50); Ohio (Reg. No. 87890286); Washington (6011237430) and other states, as required, manages the Travel portion of the Program. The Cash Rewards portion of the Program is managed by FIA Card Services, N.A. The MyConcierge Rewards portion of the Program is managed by Les Concierges, Inc.
12. You agree to release FIA Card Services, N.A., the independent third parties, Les Concierges, and each of their respective affiliates and subsidiaries from all liability for injury, accident, loss, claim, expense or damages sustained by you, and in the case of a Travel or MyConcierge Reward, anyone traveling with you or without you, in connection with the receipt, ownership, or use of any Reward. The foregoing entities shall not be liable for consequential damages, and the sole extent of liability, if at all, shall not exceed the actual value of the Reward. We are not responsible for typographical errors and/or omissions in any Program document.
13. You are responsible for determining any tax liability arising from participation in the Program. Consult your tax advisor concerning tax consequences. The Program is subject to government approval and is void where prohibited by law. All aspects of the Program are governed by the laws of the State of Delaware, without any reference to its choice of law provisions.

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Travel Rewards
We describe all Travel Rewards both in terms of the number of Points required and a corresponding maximum dollar value ("MDV"). If the dollar cost of an Air Reward exceeds the MDV, you must pay the difference between the cost and the MDV in order to obtain the Reward. You may either charge the difference to your Card and earn Points for the transaction or you may redeem additional Points in increments of 5,000 (equivalent to an MDV of $50) to cover the difference in the cost.
If the Air Reward you wish to obtain conforms to our specified booking terms it is considered a Basic Air reward. If the Reward does not conform to the terms, then it will be considered a FlexAir reward and you will be required to pay a processing fee and make additional payment to cover the cost in excess of the MDV of the Basic Air reward. You may either charge the difference to your Card and earn Points for the transaction or you may redeem Points in increments of 5,000 (equivalent to an MDV of $50), to cover the difference in the cost. Under either circumstance, your Card will be charged a processing fee (currently $40) for each transaction involving a request for a FlexAir reward. See below for details.

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Basic Air Rewards
The number of Points and corresponding MDV required for coach class Basic Air Rewards are: within the 48 continental states of the U.S.: 25,000/$400; from the 48 states to Canada, Mexico, Puerto Rico: 35,000/$600; from the 48 states to Alaska, Hawaii, the Bahamas, Bermuda or the Caribbean; 45,000/$600; from the 48 states to Europe: 60,000/$800; and from the 48 states to Central or South America, Asia, Africa, or the South Pacific: 85,000/$1,150. The number of Points and corresponding MDV required for first- or business-class Air Rewards from the 48 states to any location listed above, are: 100,000/$1,500; 135,000/$2,000; 200,000/$3,000; 265,000/$4,000; 335,000/$5,000: References to the 48 states include travel to and from the District of Columbia. MDV includes all taxes and destination fees except the September 11th Security Fee and any airline-imposed surcharges, including, but not limited to fuel related surcharges and/or additional security fees deemed necessary by the individual carrier. Round-trip ticketing must be made through the WorldPoints redemption center on the same U.S. carrier, approved by the Airline Reporting Corporation. Unless redeeming Points for first- or business-class travel, the ticket will be coach class and the lowest fare available through the travel provider at the time of booking.
Reservations and ticketing require at least 21 days' advance notice and must include a Saturday night stay. Most international travel: stay at least 7 but no more than 30 days. Check requirements when booking. Stopovers of more than 4 hours are not permitted and there is no limit on connections. Actual travel dates/times are subject to availability of coach-,business-, or first-class airfare, as applicable. Air Rewards are not refundable (see General Terms, Paragraph 5, above). Miscellaneous costs, including, but not limited to, excess baggage, gratuities, insurance, and airline amenities, are your responsibility.

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Flex Air Rewards
If the Air Reward you wish to obtain does not conform to the Basic Air reward terms described above (e.g., less than 21 days advance notice, no Saturday night stay, stopping in multiple cities, selecting a specific airline, an international stay lasting less than 7 or longer than 30 days, or similar special requests), the reward will be considered a FlexAir reward. Point redemption levels for FlexAir rewards are the same as those of the Basic Air rewards, however the MDV is different for each. The number of Points and corresponding MDV required for FlexAir rewards are: Within the 48 continental states of the U.S.: 25,000/$250; to Canada, Mexico, or Puerto Rico: 35,000/$350; to Alaska, Hawaii, the Caribbean, the Bahamas or Bermuda: 45,000/$450; to Europe: 60,000/$600; to Central or South America, Asia, Africa, or the South Pacific: 85,000/$850: each of the respective Points and MDV requirements also apply should the FlexAir itinerary originate from AK, HI, or from any of the international locations and terminate at a destination within the 48 states. References to the 48 states include travel to and from the District of Columbia. If the cost of the FlexAir reward exceeds the MDV, then you may redeem Points in increments of 5,000/$50, to cover the cost of the ticket or pay the difference using your Card. For example, if the cost of the FlexAir reward within the continental U.S. is $340, and you have 35,000 Points available to redeem, you may use 25,000 Points plus one (1) 5,000/$50 credit and charge the remaining $40 to your Card, or you may use 25,000 Points plus two (2) 5,000/$50 credits. In the case of the latter, your account will not receive credit of any kind (e.g., monetary credit or Points) for unused Points. Points are redeemable only in increments of 5,000 and cannot be used to pay the FlexAir reward-processing fee. MDV includes all taxes and destination fees except the September 11th Security Fee, the FlexAir reward processing fee, and any airline-imposed surcharges, including, but not limited to fuel related surcharges and/or additional security fees deemed necessary by the individual carrier.

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Car Rental & Hotel Rewards
Rent any size vehicle for any number of days with pickup and return to the same rental location within the U.S., using Points and in some instances, Points in combination with the use of the Card. 5,000 Points = $50 MDV.
Hotel Rewards are available at participating properties in the U.S. Use your Points, and in some instances, Points in combination with the use of the Card to obtain accommodations. 5,000 Points = $50 MDV.
For every 5,000 Points you use to obtain an eligible car rental or hotel reward, you will receive a $50 credit toward the cost of the rental of any available vehicle or towards the cost of the hotel accommodations. Redeem as many $50 credits as you choose toward your car rental or hotel award arrangements. For example, if the cost of the car rental or hotel reward is $140 and you have 15,000 Points available to redeem, you may use two (2) $50 credits and charge the remaining $40 to your Card, or you may use three (3) $50 credits. In the case of the latter, your account will not receive credit of any kind (e.g., monetary credit or Points) for unused Points. Points are redeemable only in increments of 5,000. Advance reservations of at least 7 days are required and all travel arrangements are subject to availability. Miscellaneous costs are your responsibility. No minimum stay requirement.
You must meet credit, age, and driver requirements in effect at the time and place of car rental or at the time reservation or check-in. We process a credit transaction to your Card within five business days after you make your reservation. The credit will equal the MDV of the Points you have used to obtain the rental, or the actual cost of the Reward, whichever is less. Present your Card upon arrival and when returning the vehicle or upon arrival and when you check out. When you return the vehicle or check out, a debit transaction equal to the dollar value of the complete rental cost or the total dollar value of your room bill will be charged to the Card by the rental agent or the hotel. Costs not covered by the Car Rental Reward (e.g., optional charges, including but not limited to refueling, optional/supplementary liability insurance, personal effects coverage and loss damage waiver, drop-off charges, late-return fee, additional driver fee, and/or excess mileage fees; or you upgrade the vehicle category, personal charges, food and beverages, additional person(s), and other optional and incidental expenses, or you upgrade the room category) will be included in the debit transaction and are your responsibility: you earn Points for additional costs charged to the Card. If you do not use the Reward the credit adjustment remains but Points used to obtain the Reward are not reinstated.

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Cruise-Related Rewards
You may redeem Points and save on the cost of cabin accommodations or shipboard expenses. All reservations and payments related to WorldPoints Cruise Rewards must be made through the WorldPoints redemption center. For every 25,000 Points you redeem, you will receive a ($250) discount on the cost of your shipboard cabin accommodations. 25,000 Points =$250 MDV. For every ($100) of shipboard credit you request, you must redeem 10,000 Points. 10,000 Points = $100 MDV.
Discount and shipboard credit rewards may not be available on all cruise lines, check at the time of reservation. Cruise-related Rewards may not be used retroactively or to pay the cost of cruise deposits. The cruise discount will not be effective until you have tendered final payment for the travel arrangements. The appropriate number of Points you wish to redeem will be deducted from your total Points earnings when you authorize the billing of the deposit for the reservation to your Card. The amount of the discount may not exceed the total cost of your cruise arrangements.
Miscellaneous charges, including, but not limited to beverages and meals; port charges; taxis and other ground transportation; items of a personal nature (e.g., laundry, dry cleaning, telephone, telefax, internet fees, photographs, medical services, spa services, etc.); excess baggage charges; gratuities; insurance and any other carrier amenities are not eligible for direct offset with the use of cruise-related Rewards, unless such charges are included in the cost of the travel arrangements as quoted by the cruise line operator, or, if such charges are to be paid through use of your shipboard credit portfolio.
There are no exchanges or refunds for no-shows or unused portions of travel arrangements obtained with the use of cruise-related Rewards. If you cancel your travel plans and cancellation fees are assessed, those fees shall be payable with your Card. Cruise-related Rewards cannot be used to pay any portion of cancellation fees. Once a deposit has been paid, we reserve the right to charge you a cancellation fee. If the cruise operator cancels the cruise you have booked, then all or part of the Points used in connection with the booking may be reinstated to your Points earnings at your request. Points which have been reinstated under these circumstances will expire in accordance with the terms of the Program.

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Special Travel Rewards
From time to time, Cardholders may receive opportunities to use their Points for select travel rewards: these rewards may include, but are not limited to cruise and vacation package arrangements. These offers shall be subject to special terms and conditions, which will be disclosed when the rewards are advertised. Special terms may include the cruise line and/or vacation supplier's cancellation and refund policies. We will determine the specific Point redemption level based on the value of each reward.
Merchandise and Gift Certificate Rewards
Redeem Points for merchandise, gift cards or certificate selections at the site or from the current printed pamphlet. The selection of items and the number of Points needed to obtain them may change at any time. Rewards are shipped prepaid. Subject to authorization, returns or exchanges must occur within 10 days of your receipt of merchandise rewards and we pay shipping when we arrange returns of unsatisfactory, damaged, or defective Rewards.
Rewards are subject to availability. Goods of equal or similar value may be substituted if the item you select is unavailable. Featured goods may not necessarily reflect exact colors or models due to printing variation and/or manufacturers' model or style updates or photo facsimile used for general representation of merchandise. Restrictions may apply to the availability of some Rewards, such as federal, state, or local regulations or minimum age requirements. Purchase protection or extended warranty coverage associated with your Card is not applicable to Rewards. Warranty, service and/or support for goods may be available to you directly from the merchants, not from us or the third parties.
Most stock items ship within 48 business hours from receipt of your order, unless advised otherwise. Rewards are sent to street addresses, no P.O. Boxes. Requests for delivery outside the continental U.S., or expedited delivery, are subject to additional shipping charges, if the service is available. Complete details about shipping, including information about direct shipments from suppliers; large freight items; damaged or incomplete shipments, and details about exchanges and refunds are found at the site and by calling the WorldPoints redemption center.
Gift card or certificate expiration dates vary by independent retailers. A gift card or certificate must be surrendered at the time it is used, and no photocopies or other facsimiles of a gift card or certificate will be honored. Each merchant has the right to place restrictions on the use of its gift cards or certificates. Any additional costs, if applicable, for taxes, gratuities, alcoholic and non-alcoholic beverages are left to the discretion of the merchant. The merchant determines the disposition of unused portion(s) of gift cards or certificates. Gift cards and certificates are not exchangeable, refundable, transferable, or redeemable for cash and cannot be replaced if lost or stolen. Any unused portion will not be returned as cash unless it is the policy of the merchant to do so. Gift cards/certificate rewards are void where prohibited by law. Use of any gift card or certificate is subject to any additional restrictions contained on or with the card or certificate.

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Cash Rewards
Redeem Points for a variety of Cash Rewards either at the site or by telephoning us. A Cash Reward shall be issued in the form of a check for a pre-determined U.S. dollar sum. Cash Reward checks are not issued automatically, checks will be issued only upon request of the Cardholder. The check will be made payable to the one (1) individual designated by us as the Primary Cardholder, i.e., the check will not be made payable to either a joint cardholder or an authorized user(s), if any. Each check is mailed to the Primary Cardholder's billing address via first-class U.S. mail within fourteen (14) business days of receipt of the request. Requests for multiple checks are processed and mailed separately. Each check will be valid for ninety (90) days from its date of issue. The expiration date will appear on the check. A check that is not presented for payment before the expiration date will be void and the Cash Reward will then be awarded as a statement credit posting to your Card within two Billing Cycles following the expiration date. If your Card is closed before a check is drawn, or a statement credit appears, then the Cash Reward will be forfeited (except if your Card has been reported as lost or stolen, subject to verification). Receipt of a Cash Reward check or the appearance of a statement credit does not affect your responsibility to pay your Total Minimum Payment shown on each Statement you receive from us (see General Terms, Paragraph 4, above). There is no yearly limit to the number of checks you may receive.
Currently available rewards and their respective Point requirements are:
2,500 Points = $12.50 Cash Reward
5,000 Points = $25 Cash Reward
7,500 Points = $37.50 Cash Reward
10,000 Points = $80 Cash Reward
15,000 Points = $120 Cash Reward
20,000 Points = $160 Cash Reward
25,000 Points = $250 Cash Reward
35,000 Points = $350 Cash Reward
50,000 Points = $500 Cash Reward

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MyConcierge Rewards
Redeem Points for goods and services available through the MyConcierge service. Points may be used as full payment to obtain a Reward through the MyConcierge service. Points may not be combined with any other form of payment to purchase goods or services through the MyConcierge service. The dollar value of the Reward obtained with Points must be less than or equal to the value of the Points you use. Rewards may be subject to special terms and conditions that will be disclosed when the goods and/or services are requested. Special terms may include the reward supplier's cancellation and refund policies. We will determine the specific Point redemption level based on the dollar value of each reward.

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MyConcierge Personal Concierge Service
WorldPoints Rewards credit card Customers (this includes you, your spouse, and your dependents, under 22 years of age) are provided with access to the MyConcierge personal concierge service, for personal use only. You will be asked to verify your status as a WorldPoints credit card Customer whenever you use the MyConcierge service: you should take proper precautions to keep your verification information confidential. The MyConcierge service will make every reasonable effort to help you with planning an occasion or taking care of personal needs, whether you're at home or on the road. Goods and services obtained through the MyConcierge service may be purchased, or, if you qualify, you may pay in full using WorldPoints points ("Point(s)"). The MyConcierge services are provided by Les Concierges, Inc. ("Les Concierges"). Requests for assistance can be made by telephoning Les Concierges or online by visiting www.mbna.com 24 hours a day, 7 days a week. From outside the U.S., call collect to: 415.263.6031. Requests made through any means other than the foregoing may result in additional fees and/or charges. Under no circumstances may Points be used to pay additional fees or charges of any kind.
By using the MyConcierge service, you agree to be bound by the terms and conditions appearing (a) in this document if you access the MyConcierge service by telephone and/or (b) at the MyConcierge web site if you use online access (collectively, the "Terms of Use"). All information provided by you is provided directly to Les Concierges, Inc. Information gathered from you in connection with your use of the MyConcierge service will be subject to the terms of the FIA Card Services, N.A. Privacy Policy accompanying your credit card, and also appearing on the Site. Any waiver of any of the provisions of the Terms of Use and/or the Privacy Policy referred to above must be in writing and signed by an authorized representative of FIA Card Services, N.A.
You may cease use of the MyConcierge service for any reason and at any time; provided, however, that you will be responsible for all charges made at your request prior to such termination. Just as you may choose to stop using the MyConcierge service, we may terminate your access to the MyConcierge service at any time if you violate any of the Terms of Use or if we believe that your WorldPoints account is being used in an unauthorized or fraudulent manner. If we terminate your access to the MyConcierge service, your agreement to the Terms of Use means you will not hold us responsible for the termination.
The MyConcierge Terms of Use may change. When such changes are made, we will notify you in writing and post revised Terms of Use at the MyConcierge Web site. If you use the MyConcierge online service, it is your responsibility to review the online Terms of Use from time to time to be aware of any change. Your continued use of the MyConcierge service will indicate your agreement to any change. We cannot guarantee that information provided through the MyConcierge service will always be accurate or up-to-date; or that you will have continuous access to the MyConcierge service. The MyConcierge service materials may include technical inaccuracies or typographical errors. We reserve the right to add to, remove, or change any of the content or functions of the MyConcierge service without giving specific notice to you. We have no control over the quality, safety, or legality of any products or services purchased by or for you via the MyConcierge service. We do not have control over the truth or accuracy of any advertisements or promotions of any merchants. You should pursue any problems or grievances you may have directly with the responsible merchants.