Lenders Group Discount Plus Card with Pre-Paid Visa Credit/Debit Attachment Subscriber Application
This Lenders Group Discount Plus Card with Pre-Paid Visa Credit/Debit Attachment Subscriber Application/Agreement to Lenders Group Inc. and its terms and conditions forming an integral part hereof, must be fully completed, signed, and returned before your application request can be considered. This Agreement governs all discounts/promotion/contests/sales events given to you, by eligible Discount Partners of the Lenders Group Discount Plus Card Program. The Lenders Group Discount Plus Card Program is owned and managed by Lenders Group Inc. Terms and conditions are set forth by Lenders Group Inc. per Appendix A.
I hereby certify that the information contained herein is complete and accurate. This information has been furnished with the understanding that it is to be used to determine your participation in the Lenders Group Discount Plus Card Program with Pre-Paid Visa Credit/Debit Attachment, as a Subscriber and if your participation is approved by Lenders Group Inc., the amount of Discount you will be granted by eligible Discount Partners in the said Program. I confirm that I have read and acknowledge the terms and conditions as noted on Appendix A. Furthermore, I hereby authorize Lenders Group Inc. to conduct additional checks, including but not limited to, personal references and credit checks for the information requested to be released to Lenders Group Inc., in order to verify the information contained in this application.
APPENDIX A
CARDHOLDER TERMS, CONDITIONS AND PRIVICY POLICY
The Lenders Group Discount Plus Card Program with Pre-Paid Visa Credit/Debit attachment ("Program"), is operated by Lenders Group Inc. ("Lenders Group," “Discount Plus,” “Plus,” "us," "our," or "we"). When you enroll in the Program as a Subscriber, we licence you to obtain discounts by dealing with participating Partner Retailers and Service Providers authorized by us to give discounts from time to time (“Discount Partners,” “Partners”) and to use the discounts that you have obtained for products and services provided by said participating Partners that we make available from time to time. We also authorize you to obtain a financial incentive (Plus), which we will make available from time to time and transferred to you by a medium acceptable to us, calculated and approved at our discretion, by a formula approximately equal to a determined percentage of the Canadian Dollar (CDN$) amount received by us, from the interaction fee, paid to us by Scotiabank/Visa, from the pre-paid credit/debit attachment, of the Discount Plus Card Program, to a maximum of CDN$2500, per payment, payable twice per year, per card. For international (non-Canadian) Subscribers, payment will be made using Scotiabank’s prevailing exchange rate, at the time of payment, converted and payable from Canadian Dollars, to your equivalent local currency, unless, at our discretion, payment arrangements can be made for you to receive Canadian Dollars, as allowed by the laws of Canada and your local jurisdiction.
Enrollment, membership and all related benefits of the Program are offered at our discretion. All related benefits are only offered and can only be used, by the named, identified Card Holder, who must present and use an effective, updated, non-expired Lenders Group Discount Plus Card with Pre-Paid Visa Credit/Debit Attachment, in order to receive mentioned benefits. By enrolling in the Program or getting discounts or financial incentive (Plus), you agree that you have read and understand these Terms and Conditions and are bound by all of them, as changed from time to time and you consent to our collection and use of your personal information in accordance with our Privacy Commitment (see below).
COMMITTED TO YOUR PRIVACY
We are committed to protecting your privacy. We collect and use your personal information: (i) to administer the Program, including the management of your Discount Plus Card Number, to accurately record and update Plus balances; (ii) to process discounts and the issuance of the financial (plus) incentives; (iii) to invoice and pay Partner Accounts, as appropriate; (iv) to communicate information and offers to Subscribers and Partners; (v) to understand and analyze Subscribers’ and Partners’ responses, needs and preferences; (vi) to develop, enhance, market and/or provide products and services to meet those needs; and (vii) to enable Subscribers and Partners to participate in promotions and contests. If our business is transferred to a new owner, we will give affected Subscribers and Partners notice before personal information is transferred or becomes subject to a different privacy policy.
PARTICIPATION IN THE PROGRAM
To enroll in the Program, you must provide us with a valid mailing address, a valid e-mail address, a valid telephone number and any other information as required by law and you must be at least 18 years of age. Enrollment applications may also be submitted for Minors between the ages of 16 years old to 17 years old, provided that you can show proof of legal guardianship and present any information requested by us, as permitted by law, within the laws of Canada and the jurisdiction where you reside. If we accept your application for enrollment, we will enroll you in the Program as a Subscriber of the Lenders Group Discount Plus Card with Pre-Paid Visa Credit/Debit attachment, assign you a unique Card Number and send you a Lenders Group Discount Plus Card with Pre-Paid Visa Credit/Debit attachment, embossed with your name, Card Number and Card expiry date.
The Program, including all Discounts, Financial Incentives (Plus), Discount Plus Cards, every certificate or other document which can be exchanged for a Discount, or Financial Incentive ("Certificate") and all rights relating to them, are and will remain our property. You are responsible for all taxes payable as a result of your participation in the Program, including obtaining and using Discounts and obtaining Financial Incentives. You may not transfer, sell, exchange, give, charge or otherwise dispose of any Discount or Financial Incentive, except in accordance with such conditions as we may prescribe from time to time and upon payment of such fees as we may impose in our discretion from time to time.
You must identify yourself as a Subscriber and present your Discount Plus Card when dealing with Partners. While similar programs may be offered in other countries, the Program entitles you to obtain Discounts only from approved Partners within prescribed jurisdictions and receive the Financial Incentives only from Lenders Group Inc. in Canada and in Canadian Dollars. You will obtain Discounts only by presenting your Discount Plus Card when dealing with authorized Partners in good standing with us, and only after the Partner notifies us to do so. We are not responsible if a Partner delays or fails to notify us or for any other delay in giving Discounts. Some Partner locations may not participate in the Program. We may refuse to record or honour Discounts, or Financial Incentives to your card, or if already recorded, we may cancel and reverse the transactions, if we cannot confirm that they were properly issued or obtained. We may also cancel or reverse recorded Discounts, or Financial Incentives if the issuing Partner does not pay amounts owing to us or tells us to cancel the Discounts, or Financial Incentives (for example, because you returned or didn't pay for products or services for which the Discounts, or Financial Incentives were issued). Partners will determine the conditions under which they will issue Discounts and may change those conditions at any time and without notice. Neither we nor any Partner is responsible for any Discount offer, which is no longer in effect. Any dispute must be settled between you and the Partner. If you believe Discounts that should be made available to you from a transaction are missing from said transaction, you must rectify the dispute with the Partner immediately at the time of purchase. The Partner may require you to submit documentation to support your claim.
Correct sign-in credentials (Card number & PIN or email address and password) are required in order to access your Discount Plus Card Subscription Account and to use your Discount Plus Card on www.lendersdiscountcard.com, www.scotiabank.com, the Discount Plus mobile app or when contacting our Customer Care Centre. Anyone who knows your sign-in credentials will have full access to your Subscriber Accounts, and may change the address associated with your Discount Plus Card and redeem your Financial Incentive available with your Subscription. You are responsible for maintaining the secrecy of your sign-in credentials (PIN or password) for all activities that occur using your PIN or password and for notifying us of any unauthorized use of your PIN or password. We are not responsible or liable in any way for any loss arising from your failure to comply with these provisions. Notify us immediately if your Discount Plus Card is lost or stolen.
Discount Plus Cards must be activated at www.lendersdiscountcard.com, www.scotiabank.com, or physically in a Scotiabank Branch, in order to become effective and ready for use.
USE OF CARD & REDEMPTION OF FINANCIAL INCENTIVE (PLUS)
The Lenders Group Discount Plus Card Program with Pre-Paid Visa Credit/Debit attachment is offered Worldwide by Lenders Group Inc. When approved, you are licensed by Lenders Group as a Subscriber, to obtain discount on products and services from our authorized Discount Partners from time to time. The Subscriber is also authorized to obtain a financial incentive (Plus), which we will make available from time to time and transferred to the Subscriber by a medium acceptable to us, calculated and approved at our discretion, by a formula approximately equal to a determined percentage of the Canadian Dollar (CDN$) amount received by us, from the interaction fee, paid to us by Scotiabank/Visa, from the pre-paid credit/debit attachment, of the Discount Plus Card Program, to a maximum of CDN$2500, per payment, payable twice per year, per card. For international (non-Canadian) Subscribers, payment will be made using Scotiabank’s prevailing exchange rate, at the time of payment, converted and payable from Canadian Dollars, to your equivalent local currency, unless, at our discretion, payment arrangements can be made for you to receive Canadian Dollars, as allowed by the laws of Canada and your local jurisdiction.
The Discount Plus Card is valid for 36 months period and must be activated at www.lendersdiscountcard.com, www.scotiabank.com, or physically in a Scotiabank Branch, prior to use. Activation is required to receive discounts and financial incentives. Financial incentives are payable twice per year (“Payout Period,” “Payout”), specifically, on the 31st/March and the 30th/September each year and paid only to activated, unexpired Cardholders. Eligible Cardholders/Subscribers can expect to receive their redemption approximately two to three weeks, after the Payout Period.
By activating and using the Lenders Group Discount Plus Card with Pre-Paid Visa Credit/Debit attachment, you are agreeing to the Cardholder Agreement. You are responsible for the possession, use and control of the Card. Treat it like cash. To report lost or stolen cards, contact your local Scotiabank Branch. We may restrict Discounts and Financial Incentives available, to any particular Cardholder/Subscriber.
You may use the Discount Plus Card in accordance with such conditions and upon payment of such fees as we may prescribe from time to time. The amount of Discount applicable to any particular product and/or service and the amount of Financial Incentives available on your Card, are subject to verification by our Customer Care Centre. Once discounts or Financial Incentives are obtained, no changes, cancellations, exchanges or refunds whatsoever are permitted. All Discounts are offered subject to availability and restrictions imposed by our Discount Partners. We assume no responsibility for any loss, damage, defect, injury, death or expense relating to any product or service obtained from our Discount Partners, or for your product or service not turning out as you expected for whatever reason.
You must use the Lenders Group Discount Plus Card with Pre-Paid Visa Credit/Debit attachment to pay for purchases/services from participating Partners, in order to receive Program Benefits. Visit www.lendersdiscountcard.com for a complete listing of participating Partners.
The Lenders Group Discount Plus Card with Pre-Paid Visa Credit/Debit attachment, is accepted wherever Visa is accepted Worldwide. A daily limit equivalent to CDNS1000 can be withdrawn from ATMs, while on-line and point-of-sale (POS) purchases have a daily limit equivalent to CDN$2500. Your card can be re-loaded through www.lendersdiscountcard.com, www.scotiabank.com, using your Scotiabank savings/chequing account, using bill payment features through other Banks and through most remittance services including Western Union and MoneyGram. The card has a re-load limit equivalent to CDN$2500 daily, up to a maximum of CDN$10,000 monthly.
All references to money in these Terms and Conditions are in Canadian dollars, unless otherwise indicated, and we accept payment of money in Canadian dollars only, unless otherwise indicated. You are responsible for all taxes applicable to any amounts payable to us, or received from us and our Partners.
LIMITATION OF LIABILITY
Neither we, our affiliates nor any of our or their respective Officers or Directors have any responsibility or liability for any expense, loss, cost, injury, damage, delay, travel cancellation, accident or any other matter or thing whatsoever (collectively, “Costs”), however suffered or caused (including compensatory, incidental, indirect, special, punitive, consequential or exemplary damages or damages for loss of income or profits), directly or indirectly arising out of or related to (i) the Program or your participation in the Program; (ii) any failure, delay or decision by us in administering the Program or amending these Terms and Conditions or the basis on which you can obtain or use Discounts, or Financial Incentives; (iii) unauthorized use of your Discount Plus Card, PIN or password; (iv) any offer, representation, statement or claim about the Program, any Partner or their products or services, made by a Partner, or any other person; or (v) the purchase, redemption for or use of any goods or services of Partners, including Discounts or Financial Incentives, whether made available by us, any of our affiliates, Partners, or otherwise. This applies even if we or our representatives are advised of the possibility of such Costs. Discount Partners are not responsible for the Program. Any liability we may have to you or anyone else who obtains the benefit of any Discount or Financial Incentive you use, or acquire, under any circumstances, for any negligence, breach of contract or otherwise, is limited to crediting your Card with the amount of Discount or Financial Incentive you used in connection with those circumstances, when the liability arose. Use of our website is subject to the terms of use displayed thereon from time to time.
TERMINATION, CHANGES AND BREACH
We may change these Terms and Conditions, any aspect of the Program including Discounts and Financial Incentive conditions and procedures in any respect, all without notice and even though changes may affect the value of Discounts and Financial Incentives already accumulated. For current Terms and Conditions and other Program details and information, visit www.lendersdiscountcard.com, www.scotiabank.com, any Scotiabank Branch, or call our Customer Care Centre. For example, but without limitation, we may add, delete or change Partners, time limits for Discounts and Financial Incentive Redemption and Payout, use of Discounts, Certificates, conditions or procedures. If you become bankrupt, commit fraud, misrepresent any information, violate any Terms and Conditions, abuse your Program privileges or act in any other way to the detriment of us, our Partners or the Program, we may, without affecting our other rights, disclose such information requested by proper authorities, terminate your Subscription and/or cancel your Discounts and Financial Incentives. If a Lenders Group Discount Plus Card with Pre-Paid Visa Credit/Debit attachment expires or is cancelled for any reason, it becomes void without compensation.
GENERAL
These Terms and Conditions may be different from what you know about the Program. These Terms and Conditions constitute the entire agreement between you and us regarding your participation in the Program, your authorization to obtain Discounts and Financial Incentives and use your authorization to any other benefits of the Program, and supersede all previous versions. Except as expressly contained in these Terms and Conditions, there are no conditions, representations, warranties, express or implied, statutory or otherwise. When you deal with us over the Internet, you consent to the formation of contractual relations through electronic communications. We are the final authority as to the interpretation of these Terms and Conditions and as to any other questions or disputes regarding the Program. Unless we otherwise elect, any dispute regarding these Terms and Conditions, including validity, existence, binding effect, interpretation, performance, breach or termination, and including tort claims, shall be referred to and finally determined, to the exclusion of the courts, by a single arbitrator. The arbitration shall take place in Toronto, Ontario, in English, and in accordance with Ontario laws. The arbitration shall be conducted in strict confidence with no disclosure to any person of the fact of the dispute or any aspect of the dispute except as necessary for resolution of the dispute. We will not be taken to have waived any of our rights even if we use Discounts or Financial Incentives (Plus), when not required. All materials and any notices from us will be sent to your address as in our records; please notify us if your address changes. The Program, all rules and Terms and Conditions are governed by the laws of Ontario. If any provision of these Terms and Conditions is invalid or unenforceable, such provision shall not affect the validity and enforceability of the remaining Terms and Conditions.
