By opening and maintaining a Bank Account in good standing, you are automatically enrolled in Outgo’s rewards Program (“Outgo Rewards”). Outgo Rewards is part of the Services. However, if you do not open a Bank Account with the Provider Bank, you will not have access to Outgo Rewards nor can you accrue Rewards. The purpose of Outgo Rewards is to reward you for certain Qualifying Purchases. You may accrue either factoring on more favorable terms or other rewards we may make available from time-to-time(“Rewards”) when you make qualifying purchases (each, a “Qualifying Purchase”) using the debit card associated with your Bank Account (the “Outgo Card”). 

If, in connection with your use of the Factoring Service, any Unpaid Invoices (as defined in the Factoring Agreement) were factored to cover all or a portion of the transaction amount of the Qualifying Purchase then Outgo may reimburse or waive the Factoring Fee (as defined in the Factoring Agreement) to you in all or in part, as disclosed to you through the Services. 

To participate in Outgo Rewards, your Bank Account must be continuously in good standing. If your Bank Account is not in good standing for any reason, or we determine in our sole discretion that you are misusing Outgo Rewards or have otherwise violated this Rewards Agreement, you may be ineligible to earn Rewards, and you may forfeit any Rewards previously earned or accrued. We may temporarily or permanently disqualify you from participating in Outgo Rewards and/or adjust or cause to be forfeited any or all Rewards accrued as a result of your abusive behavior, fraud, misrepresentation, any violation of law, violation of any other agreement with us or one of our affiliates, or any other violation of any of this Rewards Agreement, as determined by us in our sole discretion. Rewards cannot be combined with other discount or reward programs unless specifically authorized by us. We may cancel or forfeit any Rewards you may accrue under Outgo Rewards if you default on any provision of this Rewards Agreement, the Outgo Platform Agreement, the Deposit Account Agreement or the Cardholder Agreement.

All posted purchases you make with your Outgo Card are Qualifying Purchases, subject to the limitations in this paragraph. Excluded transactions include cash withdrawals, transactions that are deemed fraudulent, disputed transactions or transactions subject to chargebacks. We may determine that a transaction type or particular transaction is excluded from eligibility for Rewards accrual at any time. Any Outgo Card transaction conducted or effectuated while you are in default of this Rewards Agreement does not qualify as a Qualifying Purchase, unless otherwise permitted by us. We reserve the right to determine, in our sole discretion, whether a particular transaction is a Qualifying Purchase. Rewards are offered solely by Outgo subject to our Rewards Program and not offered by or provided through any merchant.

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 related Rewards amount from your Bank Account, or offset such amount from any future Rewards. If we choose to remove the amount from your Bank Account, you authorize us to debit your Bank Account, regardless of whether this causes the Bank Account to have a negative balance or overdraft, and you agree to provide any documentation or authorizations required to ensure that any such Rewards amount is returned to us.

It is your responsibility to ensure that earned Rewards are properly accrued and credited in accordance with this Rewards Agreement. If you think you were eligible for a Reward that was not properly credited to you or on your behalf, we can require that you submit documentary evidence to support your claim that is satisfactory to us. You must send your claim for an improperly credited Rewards within sixty (60) days after the date upon which the credit was applied or you claim such crediting was supposed to have occurred but did not. If you do not file your claim within sixty (60) days, Rewards earned will be deemed accurate and you will have waived any claim for adjustment. We reserve the right (but are not required) to correct inaccurate Rewards, and to adjust Rewards at our sole discretion. If we do not credit, or improperly deny, a Rewards redemption to which you were otherwise entitled, then your exclusive remedy will be the issuance of the improperly denied Rewards redemption, if available, or such other alternative benefit as we in our sole discretion may determine.

All amounts paid to you in connection with Outgo Rewards 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 Outgo Rewards. We are not responsible for determining whether you owe taxes in connection with your access to or use of Outgo Rewards or for collecting, reporting, or remitting taxes arising from your access to or use of Outgo Rewards, except for our own income taxes.

You have no rights or other vested legal interest in accrued Rewards until they have been applied to your Bank Account. Rewards may not be transferred or assigned to any other party, and any attempt to do so shall be void and of no legal effect. The sale or barter of any Rewards, other than by us, is expressly prohibited.

You may be disqualified from participating in Outgo Rewards and your accrued Rewards may be forfeited if at any time you violate this Rewards Agreement, the Outgo Platform Agreement, the Outgo Factoring Agreement, the Outgo Invoice Agreement, violate applicable law, or misuse your Bank Account or any part of the Services.

We may, without prior notice or liability to you, discontinue Outgo Rewards or modify Outgo Rewards by adding or removing features or functionalities, even though such changes may affect Rewards awarded to you. We may limit accrual and redemption of Rewards, including through caps, fees, and expiration. We may also revise the terms governing Outgo Rewards from time to time in our sole discretion, subject to applicable law.