Please read this document carefully and keep in a safe place as it sets out the terms and conditions (the “Terms and Conditions”) of the CHOICE REWARDS program (the “GPC CHOICE REWARDS Program”) administered by CUETS Financial, a division of The Toronto-Dominion Bank (“CUETS Financial”) for the GLOBAL PAYMENT Mastercard card account (the “GPC Rewards Account”) that is eligible to earn and accumulate CHOICE REWARDS points (“Points”) that can be redeemed for goods or services as set out below. Certain eligibility criteria (described below) must be met in order to earn and redeem Points under the GPC CHOICE REWARDS Program. It is important to note that the terms and conditions set out in this document: (i) relate solely to the GPC CHOICE REWARDS Program; (ii) supersede any and all previously published terms and conditions relating to the GPC CHOICE REWARDS Program; and (iii) are separate and distinct from the terms and conditions relating to the GPC Rewards Account. The use of your GPC Rewards Account will constitute your acknowledgment of and agreement with each of the terms and conditions described in this document relating to the GPC CHOICE REWARDS Program. Any reference in these terms and conditions to “us”, “our”, or “we”, are references to CUETS Financial.
In addition to the terms defined above or elsewhere in this document:
“Account” means the account maintained by CUETS Financial that records all Points earned by you from Eligible Purchases and promotional programs in connection with the GPC CHOICE REWARDS Program; and
“Eligible Purchase” means the purchase of goods and/or services made by you or your authorized user(s) or secondary user(s) through the use of your GPC Rewards Account, plus or minus any adjustments made to your GPC Rewards Account in respect of those purchases. Eligible Purchases do not include, and you will not earn any Points in respect of, cash advances, the purchase of money orders, wire transfers, bets, lottery tickets, or casino gaming chips; unauthorized charges (including those made with a lost, stolen, canceled or fraudulent GPC Rewards Account); and other fees and charges assessed on your GPC Rewards Account.
The GPC CHOICE REWARDS Program is a loyalty rewards program pursuant to which Points are accumulated based on the dollar amount of Eligible Purchases made with your GPC Rewards Account.
GPC Rewards Accounts that participate in the GPC CHOICE REWARDS Program can accumulate Points on Eligible Purchases. GPC Rewards Accounts may be subject to an annual maximum number of Points that can be earned as determined by the credit unions and caisses populaires that issued the GPC Rewards Account.
The Points activity and balance of your GPC Rewards Account is accessible by logging-in to rewards.choicerewards.ca.
Accumulation and award of Points creates no vested rights. Points have no monetary value and cannot be exchanged for cash or used as partial or total payment of your GPC Rewards Account or any other account issued and/or administered by CUETS Financial or any of its affiliates.
CHOICE REWARDS Redemption Centre:
Merchandise Returns and Cancellations:
Merchandise may be returned if it is defective or has been damaged in shipment within fifteen (15) business days of receiving delivery of the shipment. Before returning any item, you will need to contact the Rewards Centre for full instructions and to obtain a Return Authorization Number. Defective items must be returned in the original packaging. Once an item is returned to the warehouse, it will be inspected. If the item is found to be defective, a replacement will be issued or Points will be credited based on your direction. Please note that no returns can be accepted without prior authorization and returned items may be subject to shipping charges.
If you notify the Rewards Centre after fifteen (15) business days of receiving the shipment, you will be provided with a bill of sale (warranty slip) and directed to a local authorized dealer for repairs under the terms of the manufacturer’s warranty. (Please check the warranty card included with your item(s)).
Cash Reward Redemption:
Points earned under the GPC CHOICE REWARDS program cannot be redeemed for Cash Rewards.
Points may be donated to permitted charitable organizations by calling the CHOICE REWARDS Redemption Centre at 1.877.877.3703 or online on the CHOICE REWARDS Website. The issuance of tax receipts with respect to all such donations is (i) the sole and exclusive responsibility of the recipient charity(ies); (ii) is subject to applicable law; (iii) may be subject to the donation of a minimum number of Points; and (iv) the timing for the issuance of tax receipts may vary by charitable organization and will be issued bi-annually. The Toronto-Dominion Bank assumes no obligation or liability whatsoever in connection with the issuance of charitable receipts (or failure thereof) by such charities.
Redemption for Travel:
You are solely responsible for any personal tax liability arising from your participation in the GPC CHOICE REWARDS Program. You should consult with your personal tax advisor in order to determine any personal tax consequences. You understand and agree that tax receipts shall not be issued by CUETS Financial or any of its affiliates in connection with the GPC CHOICE REWARDS Program. You hereby agree to release The Toronto-Dominion Bank and its affiliates and their respective directors, officers and employees from any and all claims in respect of any tax liability resulting from your participation in the GPC CHOICE REWARDS Program.
Telephone calls to or from us, the Rewards Centre, or our service providers, may be monitored and recorded to ensure quality of service and for purposes of accuracy and verification. If you transact business with us or our service providers by telephone, you are deemed to consent to said monitoring and recording. You also consent to us providing to our service providers and, if applicable, charitable organizations participating in the GPC CHOICE REWARDS Program, such personal information as is reasonably required to fulfill our obligations under the GPC CHOICE REWARDS Program and, with respect to donation of Points to charitable organizations, to facilitate the issuance of tax receipts. Service providers shall not be permitted to use or disclose your information for other purposes. All collection, use, and disclosure of your personal information shall be as set forth herein and otherwise in accordance with the CUETS Financial Privacy and Personal Information Protection Notice (available here).
Any attempt to defraud or abuse the GPC CHOICE REWARDS Program will result in, at our sole option and discretion, your Points being forfeited without compensation to you.
Points accrue to the benefit of the primary cardholder (as shown in our records) and cannot be divided, assigned, or otherwise transferred by you (including, without limitation, (i) in the event of divorce or separation, and (ii) from a deceased or living cardholder account to another cardholder account) except in accordance with these Terms and Conditions. The executor of an estate may, on behalf of the estate, redeem Points within 120 days of the date of the death of the cardholder, subject to any other rules and regulations set forth herein. We may sell, assign, or transfer the GPC CHOICE REWARDS Program, and any of our rights and obligations under the GPC CHOICE REWARDS Program, without prior notice to you.
We reserve the right to terminate or extend the GPC CHOICE REWARDS Program at any time or change any part thereof with or without notice including, without limitation, the basis for accumulating and redeeming Points, the basis for payment and the GPC CHOICE REWARDS redemption offerings. Any such termination or changes may affect Points that have already been accumulated and any further accumulation of Points. We, and our affiliates, assume no liability with respect to any such termination or amendment.
In the event of a loss or theft of your card associated with your GPC Rewards Account, if you cancel your GPC Rewards Account or if your GPC Rewards Account is closed by the issuer, you will have one hundred and twenty (120) days from the loss/theft, cancellation or closure date, as applicable, in which to redeem any accumulated Points for products and services (excluding hotel and car rentals) then available under the GPC CHOICE REWARDS Program.
We will be the final authority as to the interpretation of these Terms and Conditions.
The Toronto-Dominion Bank (including but not limited to its division operating as CUETS Financial), the Rewards Centre, our service providers, and our and their respective affiliates, shall in no event have any responsibility or liability for any expenses, loss, cost, injury, damage, delay, travel cancellation, accident, or any other matter or thing whatsoever, 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 GPC CHOICE REWARDS Program or your participation in the program, (ii) errors or omissions in the GPC CHOICE REWARDS Program Catalogue, (iii) any failure, delay, or decision by us, the CHOICE REWARDS Travel Agency, other service providers, or our or their respective affiliates and suppliers, in administering the GPC CHOICE REWARDS Program or amending these Terms and Conditions or the basis on which you can redeem Points, or (iv) the purchase, redemption for or use of any goods or services, including any travel arrangements, vacations, and other trips, whether made available by us, any of our affiliates or suppliers, or any third party including, without limitation, airlines, hotels, and car rental agencies.
The GPC CHOICE REWARDS Program and these Terms and Conditions shall be governed by the laws of Ontario and the laws of Canada applicable therein. Any interpretations, questions or disputes regarding the GPC CHOICE REWARDS Program or these Terms and Conditions shall be resolved at the sole discretion of CUETS Financial and all decisions made by CUETS Financial shall be final.
The above information is correct as of August 2019. All information is subject to change.
The following terms and conditions (the "Terms") apply to your participation in the CHOICE REWARDS Program (the "Rewards Program"). These Terms are in addition to the terms of your program and cardholder agreement. By using this site in relation to the Rewards Program, you are indicating your acceptance of the Terms.
Aimia reserves the right to make changes to these Terms without prior notice to you.
Neither MBNA (including without limitation The Toronto-Dominion Bank) nor its partner, Aimia, is responsible for Point accumulation, cancellation, Reward Supplier withdrawals from the Rewards Program or for award cancellations caused by Reward Supplier withdrawal, discontinuation of the Rewards Program or for any claims related to a Reward Supplier's service or benefits
Redeem Rewards Program Points for travel services, including air, hotel, car rental, cruises, packages, and rail. There are some exclusions to the travel services (e.g. unable to fulfill requests for Bed and Breakfast stays, time-shares, etc.). There may be minimum advance booking requirements on requested travel services. You may pay for travel services using Rewards Program Points. You also have the option of using Rewards Program Points plus charging any difference between the price of the travel services and your available Point balance ("Points Top Up"), or by charging the entire price on your MBNA/CUETS MasterCard. Other terms and conditions may apply. More information regarding available services, prices and Points is available either on the Rewards Program Web site or by calling 1-877-877-3703, Monday to Friday 8 am to 10 pm and Saturdays 8 am to 8 pm, ET.
The Rewards Program on-line catalogue (the "Catalogue") includes a broad range of merchandise and gift cards and other rewards options for redemption. Merchandise may be purchased using Rewards Program Points only, full payment on your MBNA /CUETS MasterCard, or a combination of Rewards Program Points and a charge on your MasterCard. Points Top Up is not offered on gift cards or on specific experiential rewards.
These Terms are subject to change at any time without notice to you.