Last Updated: April 5, 2022
Upgrade, Inc. uses the DOSH Holdings LLC (“DOSH,” “our,” “we”) cash-back platform to manage the Upgrade Shopping Powered by Dosh® program (the “Program”). DOSH is a third party that is not affiliated with Cross River Bank, Blue Ridge Bank or Upgrade. By participating in the Program, you agree that DOSH may create a wallet for you on its platform in order for you to accrue rewards based on qualifying transactions with participating merchants (the “Services”). These Upgrade Shopping Powered by Dosh Terms of Service (the “Upgrade Shopping Powered by Dosh Terms”) govern your use of the DOSH platform. You may opt out of this program at any time by calling customer support at (833) 574-0901.
1. YOUR ACCEPTANCE OF THESE UPGRADE SHOPPING POWERED BY DOSH TERMS
2. THE SERVICES
In addition, in the event your Upgrade Shopping Account is a Rewards Checking account, any transaction that includes in-store cash withdrawals or cash back (For example, if you make a purchase and request cash back as part of the same transaction) is not eligible to receive rewards.
All offers are made available to you are temporary and may become unavailable without notice.
Without limiting any of the other terms of these Upgrade Shopping Powered by Dosh Terms, if you return, charge back, cancel, dispute, or otherwise request a refund for a qualifying purchase for which you have already received rewards, we reserve the right to remove any rewards from the Dosh account or the account through Upgrade that is linked to an eligible payment method under this Program (any such account through Upgrade, your “Upgrade Shopping Account”) or withhold future Upgrade Shopping Powered by Dosh to offset any such amount.
Any Upgrade Shopping rewards that you accrue will be transferred to the applicable Upgrade Shopping Account. Rewards are redeemed once they have been transferred to the applicable Upgrade Shopping Account. Rewards are a gratuity from Upgrade and are not your property until redeemed. You are solely responsible for verifying the accuracy and completeness of any rewards transferred to your Upgrade Shopping Account. All rewards received are exclusive of any applicable withholding, sales, use, excise, value added, or other taxes. You acknowledge and agree that you are responsible for determining, paying, withholding, filing, and reporting all taxes, duties, and other governmental assessments associated with your activity in connection with the Services. We are not responsible for determining whether you owe taxes in connection with your access to or use of the Services or for collecting, reporting, or remitting taxes arising from your access to or use of the Services, except for our own income taxes.
In addition to your other representations and warranties in these Upgrade Shopping Powered by Dosh Terms, you represent and warrant that you will not access or use the Services to engage in any illegal, fraudulent, or other illicit activity.
3. OWNERSHIP AND PROPRIETARY RIGHTS IN THE SERVICES
You acknowledge and agree that the Services are protected by applicable copyright, patent, trademark, and other intellectual property laws. All words and logos displayed in connection with the Services that are marked by the ™ or ® symbols are trademarks and service marks of DOSH and/or their respective owners. The display of a third-party trademark in connection with the Services does not mean that we have any relationship with that third party or that such third party endorses the Services or DOSH.
These Upgrade Shopping Powered by Dosh Terms and any rights hereunder may not be transferred or assigned by you without our prior written consent but may be assigned by us without restriction and without your prior consent. Any attempted transfer or assignment by you without our prior written consent will be null and void. No agency, joint venture, partnership, trust, or employment relationship is created between you and us by way of these Upgrade Shopping Powered by Dosh Terms.
Last Updated: April 5, 2022
PROTECTING CHILDREN’S PRIVACY
The Services are not directed, or intended to be attractive, to children under the age of 13. We do not knowingly collect personal information from children under the age of 13. If you are under the age of 13, do not use the Services or submit any information to us. If we learn we have collected or received personal information from a child under the age of 13 without verification of parental consent, we will delete that information.
TYPES OF INFORMATION WE COLLECT AND HOW WE COLLECT IT
HOW WE USE & SHARE INFORMATION
Upgrade is a financial technology company, not a bank. Rewards Checking services provided by Cross River Bank, Member FDIC. Upgrade VISA® Debit Cards issued by Cross River Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc.Personal Credit Lines are issued by Cross River Bank, a New Jersey State Chartered Commercial Bank, Member FDIC, Equal Housing Lender. The Upgrade Card is issued by Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc.