The ONE Rewards Program (the “Program”) provides promotional offers to ONE customers on the Offers page of the ONE App (each an “Offer”). Offers may allow ONE customers to (i) earn cash back, provided in the form of deposits to their ONE Account (“Cash Rewards”) or (ii) to participate in limited time, limited availability offers to purchase goods directly from ONE (“Limited Time Offers”). Each Offer is subject to these ONE Rewards Program Terms (“Terms”) and the applicable Offer terms located on the Offers page. Any capitalized term used in these Terms, but not otherwise defined shall have the meaning given to it in the ONE Deposit Account Agreement. By accessing or otherwise using the services made available by ONE Finance, Inc. (“ONE” or “We”) you agree to be bound by these Terms, the ONE Terms of Service and the Deposit Account Agreement. Not all ONE customers will have the same Offers available to them and ONE does not guarantee or represent that ONE customers will always have Offers available.
1. Automatic Offers
“Automatic Offers” are found on the Offers page under the section titled ‘Automatic offers.’ Cash Rewards are earned through an Automatic Offer when a qualifying purchase (pursuant to the applicable Offer terms) (i) is made with a ONE debit card directly with a participating merchant and (ii) settles before the Offer’s expiration date. There is no enrollment or activation for Automatic Offers and there is no limitation to the number of Automatic Offers you may participate in.
2. One-tap Offers
“One-tap Offers” are found on the Offers page under the section titled ‘One-tap offers.’ Cash Rewards through One-tap Offers can only be earned when an One-tap Offer is activated. Cash Rewards are earned through a One-tap Offer when a qualifying purchase (pursuant to the applicable Offer terms) (i) is made with a ONE Debit Card directly with the merchant identified in the Offer and (ii) settles while the applicable One-tap Offer is activated. Only one One-tap Offer may be active at a time.
3. Limited Time Offers
Limited Time Offers may be made available in the One-tap Offers Section of the Offers Page. To participate in a Limited Time Offer, a ONE customer must claim the Offer and then complete the steps for purchasing set forth in the Limited Time Offer. The product(s) made available through a Limited Times Offer will be provided on a first come first serve basis until supply runs out or the Limited Time Offer expires, whichever occurs first.
Purchases made through a Limited Time Offer can only be in the form of a debit taken from a ONE customer’s Checking balance. By completing the purchasing process you agree that ONE may debit the purchase price from your ONE Checking. In the event that you do not have a balance in your ONE Checking, you will not be able to make a purchase through a Limited Time Offer.
Any product made available through a Limited Time Offer is limited to one (1) per customer. Products purchased through a Limited Time Offer may not be returned or exchanged and ONE makes no warranty, representation, or guarantee, express or implied, relating to any products made available through a Limited Time Offer.
4. Program Participation
The Program is only available to ONE customers who have a Savings Pocket and a ONE Debit Card (virtual or physical card). Transactions that debit a Savings Pocket will not be eligible for Cash Rewards. Cash Rewards may be earned on purchases made within the United States only. If you purchase a ONE Retail Card at a Walmart store, you must complete the account opening process described in the ONE Deposit Account Agreement in order to open your ONE Account and participate in the Program. If you have a Limited-use product you are not eligible to participate in the Program.
If you dispute, return, or charge back a purchase that had resulted in the receipt of Cash Rewards, We reserve the right to recover the Cash Rewards that were given in connection with that purchase. We will recover deposited funds from the Saving Pocket in which we initially placed it, but if you have insufficient funds in the Savings Pocket to cover the recovery, then we may seek to recover those funds from your other Pockets.
If an Offer applies to a particular category of goods (e.g. gas or groceries), whether a purchase falls within that category will be based on the Mastercard merchant category code (“MCC”) for the merchant who processed the transaction. ONE does not determine or control a store’s MCC. Notwithstanding the foregoing, transactions for cash substitutes (e.g. gift cards) or other financial instruments or services are not eligible for Cash Rewards. Additionally, if an Offer has any balance requirements, your Account balance must meet the stated requirements at the time an eligible purchase settles to earn Cash Rewards on that purchase.
5. Cash Reward Receipt
Any Cash Reward earned through the Program will be deposited into your Savings Pocket within fifteen business days of the settlement of a qualifying purchase. If an Offer made available through the Program is only applicable to a single purchase (e.g. “earn X% cash back on your first purchase”) and your purchase is processed in separate transactions, you may only earn a Cash Reward on the first transaction processed by the merchant. You may not receive Cash Rewards for a particular purchase if we receive inaccurate information or otherwise are unable to confirm that your purchase qualifies for an Offer.
6. Additional Terms
Offers made available through the Program cannot be combined with other promotions made available by ONE. To the extent a ONE customer’s purchase meets the eligibility criteria for an Offer made available through the Program and another available promotion, ONE will determine, in its sole discretion, whether the Offer or the other available promotion will be applied.
The Program and any Offers made available through the Program may be modified or canceled at any time, with or without notice to you. ONE reserves the right to revoke or modify the Program at any time, with or without notice to you. If it is determined that you have engaged in or plan to engage in abuse or gaming in connection with the Program, you will be prohibited from further participation in the Program, forfeit any Cash Rewards that you have earned but have not yet been distributed to you and ONE reserves the right to.
