Important note: These program terms are subject to the jury trial waiver and arbitration provision in your credit card account agreement that limit our liability to you, eliminate your right to a trial by jury, require you to resolve disputes with us on an individual basis and not as a part of any class or representative action, and through final and binding arbitration.
Please read these Program Terms carefully for important information about your rights and obligations in the Farmers Rewards Visa® and Visa Signature® Rewards Program ("Program"). By participating in the Program, you agree to these Program Terms.
The Program is provided by Comenity Bank ("Bank"). Comenity Bank is solely responsible for Program operation and may withdraw the Program or change the terms of the Program at any time. The purpose of the Program is to reward customers for certain uses of their Farmers Rewards Visa® and Visa Signature® credit card ("Card".) The Program Terms may be supplemented with additional terms, conditions, and disclosures, including but not limited to applicable terms related to any promotional offers provided to you for use with the Program.
For the most up-to-date terms, please visit https://d.comenity.net/farmersrewardsvisa/
General Information
The Program allows you to earn Points ("Points") on the dollars you spend as described in the "Earning Points" section below, using your Farmers Rewards Visa® and Visa Signature® Card Account (your "Account"). You can then redeem Points for certain Catalog Rewards Items as described in the "Rewards" section below, including the Hinda Merchandise and Gift Certificate/Gift Card Terms and Conditions ("Hinda Terms"), the CTM Loyalty Travel Program Rules and Conditions ("CTM Loyalty Rules".)] You can redeem Points for Rewards through the Account Center at https://d.comenity.net/farmersrewardsvisa/ ("Account Center").
These Program Terms are separate from your Farmers Rewards Visa® and Visa Signature® Credit Card Account Agreement (your "Account Agreement"), which governs the use of your Account. In the event of any conflict between these Program Terms and your Account Agreement, these Program Terms will control in any matter relating to the Program. By using your Account, you agree to be bound by these Program Terms.
All information collected about you in connection with the Program is subject to Comenity Bank's privacy policy, which can be obtained at https://d.comenity.net/farmersrewardsvisa/common/privacy/PrivacyLanding.xhtml
Earning Points
You will earn Points when you, or an authorized user, make eligible purchases of goods and services for personal, family and household purposes using your Account, minus any returns, refunds or credit adjustments ("Net Eligible Purchases"). Purchases that end in $0.50 will be rounded using bankers rounding, where the purchase is rounded to the nearest even whole dollar amount to determine the number of points. Example: $2.50 rounds to $2.00 whereas $3.50 rounds to $4.00.
You will earn:
*Reward Merchant Classification Codes: Merchants who accept Visa/MasterCard are assigned a merchant classification code ("MCC"), which is determined by the merchant or its processor in accordance with Visa/MasterCard procedures based on the products and/or services they primarily sell. Comenity Bank and Farmers do not control the assignment of these codes and are not responsible for incorrectly coded purchases. Even though a merchant or some of the items it sells may appear to fit within a certain rewards category, the merchant may not have a code in that category. Purchases made with third-party payment accounts, including but not limited to PayPal and Venmo, will not earn additional Points.
Points are not earned on: unauthorized or fraudulent charges, charges that violate the terms of your Account Agreement, balance transfers, cash advances, transactions treated similar to cash advances, interest charges, and fees of any kind.
Comenity Bank may temporarily prohibit you from earning Points, using Points, or using any features of the Program if: your Account becomes delinquent; Comenity Bank suspects that you or any authorized user has engaged in fraudulent activity related to your Account or the Program; or suspects that you misused the Program in any way.
Points awarded for purchases that do not remain Net Eligible Purchases will be deducted from your Points balance. Returned items may result in credits being applied to your Account, which will reduce or may eliminate accumulated Points and may result in a negative Points balance. If your Points balance goes negative, you must first earn Points to bring your Points balance to zero before earning any Points eligible for redemption. Comenity Bank reserves the right to verify and adjust Points, as applicable, at any time.
Bonus Points for Special Offers
From time to time, Comenity Bank may make bonus offers to earn additional Points ("Bonus Points"). Read each offer carefully, as there may be important conditions or limitations, such as blackout periods, Bonus Points limits, or exclusions. You may have to register to qualify for the offer. Comenity Bank may change or withdraw an offer at any time without notice. Any such change or withdrawal will not affect Bonus Points already earned. Certain offers may only be communicated via email.
Termination and Forfeiture
Important note: Subject to any requirements or limitations of applicable law, Comenity Bank may at any time for any reason change or terminate the Program and these Program Terms without notice.
Comenity Bank reserves the right to terminate you from the Program. If the Program terminates, Comenity Bank terminates you from participating in the Program, or you voluntarily cancel enrollment in the Program, all Points will be forfeited.
Points will be forfeited if any of the following occur: your Account is closed; you terminate your participation in the Program; you or any authorized user engages in any fraudulent activity or misuse related to your Account or the Program, or engage in any activity deemed to be abusive or gaming conduct, as determined by Comenity Bank. Misuse includes, but is not limited to, obtaining or using an Account to maximize Points earned in a manner that is not consistent with typical consumer activity as determined in Comenity Bank's sole discretion.
Issuing Rewards and Redemption
You may redeem Points for Rewards on the Program Catalog Website accessible through Account Center, and also as described in the "Hinda Terms" section or the "CTM Loyalty Rules" section below. Points will be redeemed on a "first in, first out" basis, such that the first Points earned will be the first Points redeemed. Once you've redeemed Points for a Reward, your Points balance will be reduced by the number of Points used to obtain the Reward. Rewards are issued for reward purposes only.
A. Hinda Terms
You may use Points to obtain Rewards through Hinda, a non-affiliated third party, who is solely responsible for the administration of the Program with respect to goods or services offered on the Program Website [other than Travel Rewards.]
Return Policy. Some items that are received damaged, or become defective within 30 days of receipt, may be replaced at no cost under the following described terms. For items that are received damaged, you must notify Hinda Customer Care at 1-800-621-4112 or customerservice@hinda.com within 48 hours of delivery. For items that become defective, you must notify Hinda Customer Care within 30 days of receipt. Eligibility for replacement is at Hinda's discretion. If the item is eligible for replacement, Hinda Customer Care will provide a Return Authorization number and instructions on how to return the item. All items must be returned with all original packaging with the Return Authorization number marked on the box. Once an approved return is received and inspected at Hinda, a replacement order will be entered. Replacement items generally ship within 72 hours of the replacement order being processed (if in stock), although it may take up to 6 weeks for some items. If the original item is discontinued and there is no direct replacement, Points will be credited back to your Points balance.
Other items may be eligible for return at Hinda's sole discretion. To determine eligibility, contact Hinda Customer Care within 24 hours of delivery. If a return is authorized, the item must be returned within 14 days of delivery and shipped at your expense. This process must be coordinated through Hinda Customer Care. Once returned, the item will be inspected and, if acceptable, Points will be credited back to your Points balance, less a 15% restocking fee if applicable. Items must be returned unused and in the original packaging and must be in resalable condition.
Some items may not be replaceable or returnable. For example,
(a) some manufacturers will not allow returns,
(b) digital items (gift certificate codes that are "live" and emailed to recipients) are not returnable, and
(c) items that become defective more than 30 days after receipt are not eligible for return or replacement by Hinda. However, items which are not replaceable or returnable may be subject to a manufacturer's warranty. For items that become defective more than 30 days after receipt or that are not otherwise replaceable or returnable, contact Hinda Customer Care to determine if manufacturer warranty service is available and, if so, receive instruction on how to obtain warranty service.
No returns or exchanges are allowed on gift certificates/gift cards. Lost or stolen gift certificates/gift cards may be replaced at Hinda's sole discretion. Contact Hinda Customer Care to determine if a lost or stolen gift certificate/gift card is eligible for replacement.
Merchandise Fulfillment. Delivery of gift certificates/gift cards Rewards will be made by UPS or another nationally known carrier or first-class mail whenever possible and will ordinarily take approximately 2 to 4 weeks from time of order. Items that are delivered direct from the manufacturer will take approximately 6 to 8 weeks from time of order. Merchandise shipments cannot be made to a post office box. Not all merchandise items are available outside the continental United States. Areas such as Alaska, Hawaii, Puerto Rico and the U.S. Virgin Islands may require additional shipping and handling charges to fulfill merchandise orders. For more information, visit the Program Website. If a specific merchandise item is discontinued, Hinda reserves the right to substitute a similar item of equal or greater value.
Other Fulfillment Procedures. Hinda may establish additional procedures related to fulfillment of Rewards. The procedures will be disclosed prior to redeeming Points for Rewards from Hinda.
Additional Terms for Gift Certificates/Gift Cards. Terms and conditions regarding non-use and expiration may apply to gift certificate and gift card Rewards. Such terms will be as set forth on your gift certificate/gift card. You should review the gift certificate/gift card upon receipt to identify any additional terms and conditions.
B. CTM LOYALTY RULES
Travel Rewards are made available through CTM Loyalty, a non-affiliated third party, who is solely responsible for the administration of the Program with respect to travel and travel-related goods or services offered on the Program Website, including travel certificates, tickets and documents ("Travel Rewards").
(1) General. Certain restrictions may apply to Travel Rewards. Travel Rewards are not exchangeable, refundable, returnable, transferable or redeemable for cash. The participating airlines, transportation, hotel, rental agencies, cruise lines, tour operators and other companies (each, a "Travel Supplier"), and the Rewards available under the Program, are subject to change and may be discontinued in full or in part without notice.
(2) Travel Reward Fulfillment. All travel certificates, tickets and documents will be mailed by First-class mail and will not be replaceable in the event of loss, destruction or theft. You may request travel certificates, tickets and documents to be delivered by overnight carrier and agree to pay the associated additional delivery fees by credit card.
(3) Limitations on Travel Rewards. All Travel Rewards are subject to specific terms and conditions. Product specific terms and conditions can be reviewed on the Program Website. The terms and conditions of any travel offer may be amended by CTM Loyalty at any time. Travel Rewards are also subject to any rules and restrictions imposed by the Travel Supplier. Compliance with these rules is your responsibility. All reservations are made subject to the conditions of carriage, supply or business of the party providing the service, which include exclusions and limitations of liability. Issuance of some travel certificates does not constitute a reservation. In such cases the certificate holder is responsible for making all reservations with the company that issues the certificate. Certificates have no value except when used under the terms and conditions accompanying them.
Important Note: Unless otherwise noted, airline reservations must originate from the contiguous forty-eight United States. Airline reservations must be made no later than 21 days in advance of travel, require a Saturday night stay and may have restrictions, blackout dates, and exclusions. CTM Loyalty reserves the right to book all airline tickets on the carrier with the lowest available fare for the round trip between the cities requested. Airline ticket Travel Rewards may not be changed unless permitted by the airline issuing the ticket. Fees that apply due to permitted changes by the airline are the responsibility of the traveler. En-route stopovers are not permitted unless they are to make direct connections within the carrier's rules. Minimum or maximum stays required by the carrier may apply.
(4) Additional Redemption Rules. For additional rules regarding Travel Rewards purchases, including airline tickets, cruises, car and hotel rewards, please review the "Travel" section of the CTM Loyalty site or contact Customer Care at 1-844-271-2593 (Visa) or 1-844-271-2694 (Visa Signature) (TDD/TTY 1-800-695-1788).
(5) Additional Charges. You are responsible for any applicable fees and taxes associated with Travel Reward redemptions. If a Travel Reward redemption involves an out-of-pocket cost not payable with Points, you will be advised of the out-of-pocket cost prior to redeeming your Points for the applicable Reward. You must pay for such out-of-pocket costs with a credit or debit card. Such card may be charged by either the Travel Supplier (e.g. Airline, Cruise Line) or by CTM Loyalty and appear on your statement as applicable. Depending on the Reward and how many Points you redeemed, the total cost charged to your card may appear as more than one charge on your card statement. When combined, these separate card charges will equal the total cost to be charged to your card for this Reward redemption, as authorized during the booking process for the Reward.
Other Terms
Points may not be sold, transferred or altered in any way by you. Points you earn may not be combined with Points earned on any other credit account or earned by anyone else (other than your Authorized User).
You may review your Points balance via Account Center or billing statement. It may take up to two billing cycles for Points to post. The amount of Points earned is based on the date your purchase was made, which may be different than the date the transaction posts to your Account. For mail order, special order, online, and other purchases, your transaction may not post to your Account until items have shipped.
Communications and Customer Service
Farmers and Comenity Bank may send communications regarding the Program by mail, phone, email or other methods, including through online Account Center or mobile app. By providing your mobile phone number, Comenity Bank may contact you about all of your accounts and this Program.
If you have any questions about the Program or to update your contact information, please contact the Customer service phone number on the back of your card OR 1-844-271-2593 (TDD/TTY 1-800-695-1788) or visit Account Center. Farmers and Comenity Bank are not responsible for communications lost or undelivered due to incorrect or outdated address or email.
You can review your Program activity at https://d.comenity.net/farmersrewardsvisa/pub/Home.xhtml
Points Disputes
If Points you believe were earned have not timely posted to your Points balance, you may dispute your Points balance ("Points Dispute") by calling 1-844-271-2593 (TDD/TTY 1-800-695-1788 or by writing to Comenity Bank's address. Comenity Bank will use reasonable efforts to investigate your Points Dispute if you notify Comenity Bank within 90 days of the posting date. If you do not notify Comenity Bank within that period, you waive your right to make a Points dispute with respect to that purchase. Comenity Bank may require you to provide written confirmation of the dispute and the applicable purchase receipt and may decline to investigate further if you do not provide the requested confirmation or a valid receipt. Upon completion of the investigation, Comenity Bank will have no further responsibilities if you later reassert the same Points Dispute.
Limited Liability
Unless otherwise required by law, neither Farmers nor the Bank, nor any of our affiliates, officers, directors, employees, service providers, including Hinda, CTM Loyalty or agents will be liable to you, or anyone making a claim on your behalf, in connection with the Program or these Program Terms, including but not limited to, use of the Program and any redemption for or purchase of products or services through the Program.
CTM Loyalty, its owners, agents, and employees, act only as reservation agents for transportation, hotel, rental agencies, cruise lines, tour operators and other travel related services. Hinda, its owners, agents, and employees, are not affiliated with or responsible for the merchants whose gift cards are available as Rewards. In no case will CTM Loyalty, Hinda, Bank, or Farmers, nor their respective affiliates or the officers, directors or employees of such entities, be responsible for: any travel supplier, airline, or other merchant's performance, cancellation of flights, schedule changes, flight delays, default, bankruptcies, or other reasons; any errors or omissions in information regarding the products and services provided by Travel Suppliers; any gift card merchant's failure to accept a gift card or provide or fulfill services; nor any death, injury, loss, damage or inconvenience whatsoever to a person or property in connection with any trips taken or travel services booked through CTM Loyalty by or for the Cardholder or other individual or individuals named on travel tickets or documents. Although CTM Loyalty will attempt to help or re-book each customer or Cardholder, in the case of a supplier not delivering a Reward, neither CTM Loyalty, Bank, nor Farmers is responsible for any additional costs you or anyone else may have to incur in relation to a Reward which is canceled or cannot be provided for any reason. Bank and Farmers are not responsible for the performance of the Travel Suppliers or other third parties associated with the Program.
Important note: Notwithstanding the foregoing, any liability that Comenity Bank may have to you in connection with the Program shall be limited to the amount of any Points you have earned in accordance with these Program Terms.
No Warranties
Farmers, the Bank and all of each of such company's respective subsidiaries and affiliates make no warranty, express or implied, including but not limited to, any warranties of merchantablity or fitness for a particular purpose with respect to the Program or any products or services related to such Program. Such companies do not guarantee the performance of Rewards, Travel Suppliers (as defined in the "CTM Loyalty Rules" section above), or products or services obtained through the Program, nor do they operate or control the merchandise, gift certificates, gift cards or travel awards offered as Rewards.
Taxes
You are responsible for any tax liability that may result from participation in the Program. Consult your tax advisor concerning such tax consequences.
Cancelling Program Participation
You may cancel your participation in the Program at any time by calling Comenity Bank at 1-844-271-2593 (TDD/TTY 1-800-695-1788). If you cancel your participation in the Program, you will no longer earn Points and you will forfeit your unused and unexpired Points. Your cancellation will not affect any previously redeemed Rewards.
Governing Law; Assignment
The Program and these Program Terms are governed by federal law and, to the extent state law applies, the laws of the State of Deleware. You may not assign your rights or obligations under these Program Terms to any other person or entity. Important note: You and Comenity Bank agree that each of us may bring claims arising from or relating to these program terms only on an individual basis and not as a plaintiff or class member in any purported class or representative action or proceeding.
"Claim," as used in these Program Terms means any claim, dispute or controversy that in any way arises from or relates to these Program Terms.
Complete Agreement; Severability; Conflicts; No Waiver
These Program Terms supersede any previous terms and conditions governing the Program. The Program is not available where and to the extent prohibited by law. If any part of these Program Terms conflict with applicable law, that provision will be deemed severed from these Program Terms and the remainder of the Program Terms will remain in effect. Comenity Bank will not lose our rights under these Program Terms because Comenity Bank chooses to delay or not enforce them.
The Farmers® Rewards Visa® and Visa Signature® is issued by Comenity Bank, pursuant to a license from Visa U.S.A. Inc.