Share Program Terms

Effective October 19, 2023

• • OverviewThe “Neu” Share Program (“Share Program”) is a promotional Share Program offered by Neu Money, Inc (DBA “Neu”) whereby current active customers (“Sharing Customer”) are awarded a $20 Share Reward (“Share Reward”) for each new customer (“Shared Individual”), up to 25 Shared Individuals every calendar year, who apply, are approved and activate their Neu Card. Share Rewards are granted in the form of statement credit that is automatically redeemed towards the customer’s accrued statement balance at the beginning of each month as described herein. By participating in the Share Program, you are accepting and agreeing to the rules as defined herein. These rules form an agreement between you and Neu with respect to the Share Program. You should read these rules carefully. Neu reserves the right to modify or terminate the Share Program at any time and in any manner, in whole or in part, as defined below.
  • Program Eligibility
    • The Neu Share Program(“Share Program”) is open to all current active Neu customers whose account is in “Good Standing” (“Good Standing” is defined below) and in compliance with the terms and arbitration agreement found in the Neu Money DBA “Neu” Card Cardholder Agreement as may be amended from time to time, and any other disclosures agreed to as part of opening your Neu Card.
      • Definition of Account in “Good Standing”: Neu Money defines a credit card account in good standing for the purposes of this Share Program, as including but not being limited to an account that has been approved for one or both subscription options with a valid external bank account linked and is active, not blocked, past due, flagged, or restricted in any way.
    • Sharing Customers or Shared Individuals cannot have more than one Neu Card account at any time.
    • Sharing Customers may only refer individuals who have never had a Neu Card account.
    • Shares must only be made to individuals that the Sharing Customer knows personally as the Share Program is not intended for commercial use or distribution such as through bulk emails, social media pages created specifically for generating Shares, websites, newspapers, automated systems, bots, advertisements, etc.
    • Neu or Cross River Bank employees or either of their affiliates are not eligible to participate in the Share Program.
    • Neu, in its sole and absolute discretion, reserves the right to determine Share Program eligibility for referring customers and Shared Individuals at any time.
    • This program is void elsewhere and wherever it is prohibited by law.
  • Referral Process
    • To refer an individual, Sharing Customers must share their unique referral link with eligible individuals who may be interested in opening a Neu Card account.
    • The unique share link is accessible in the Neu mobile app.
    • Subject to the Share Program rules, after a Shared Individual applies and is approved for a Neu Card, the Sharing Customer will be awarded a $20 statement credit attributed to the outstanding account balance on their Neu Card account.
    • Share Credit will not be awarded to the Sharing Customer if the Shared Individual does not use the unique share link sent to them by the Sharing Customer.
    • Sharing Customers can share up to 25 individuals per calendar year.
  • Redemption
    • Subject to the Share Program rules, after a Shared Individual applies, is approved and has activated their Neu Card, the Sharing Customer will be awarded a $20 Share Reward in the form of a statement credit that is automatically applied to the outstanding balance on their Neu Card account.
    • The $20 Share Reward will be calculated at the close of the billing cycle that it was earned in and applied to any outstanding balance on the Sharing Customer’s Neu Card Account at the beginning of the following month.
      • No Outstanding Balance on Account: In the event that no outstanding balance exists on the Sharing Customer’s account, the awarded $20 Share Reward statement credit will be carried forward and applied to any balance incurred during the next billing cycle.
    • Sharing Customers may earn no more than $500.00 in Share Rewards per calendar year.
    • Neu cannot disclose to the Sharing Customer any information about a Neu Card Account opened by any Shared Individual.
  • Compliance with Program Terms
    • Rewards cannot be sold, transferred, or redeemed for cash.
    • Neu retains full discretion to determine qualification for the Share Reward.
    • Neu reserves the right to refuse to issue a Share Reward for any reason that Neu may deem appropriate, including but not limited to, noncompliance with the Share Program Rules or any fraudulent or illegal behavior.
    • Share Rewards will only be issued to Neu Card accounts that have completed all of the share process steps described herein and found to be in good standing.
      • Definition of Account in “Good Standing”: Neu Money defines a credit card account in good standing for the purposes of this Share Program, as including but not being limited to an account that has been approved for one or both subscription options with a valid external bank account linked and is active, not blocked, past due, flagged, or restricted in any way.
    • Any personal information collected as part of the Share Program will be processed and used in accordance with Neu’s Privacy Policy.
  • Termination and Modification to Program
    • Neu, in its sole and absolute discretion, reserves the right to terminate, suspend, or modify the Share Program Rules, eligibility requirements, amount of reward, type of reward, conditions of participation, or any other aspect of the Share Program, in whole or in part, at any time, with or without notice; however, any changes will not impact previous Share Rewards earned.
  • Dispute Resolution
    • Any disputes arising from these Share Program rules are subject to the arbitration agreement and class action waiver contained in Neu’s Cardholder Agreement.
    • Sharing Customer concerns regarding perceived Share Reward inaccuracies must be raised using the following steps:
      • Send details about the perceived inaccuracy by email to support@neumoney.app
      • Neu, in its sole discretion, will review the details of the perceived inaccuracy and determine whether or not a correction to the identified Share Reward is necessary.
      • Any Share Reward correction initiated by Neu will be made at Neu’s sole discretion and, if applicable, as a one-time courtesy.
  • Limitation on Liability and Disclaimer of Warranties
    • By participating in the Share Program, you agree that Neu, it’s agents, representatives, affiliates, and employees will have no liability whatsoever for any injuries, losses, claims, damages or any special, exemplary, punitive, indirect, incidental or consequential damages of any kind, whether based in contract, tort, strict liability or otherwise, resulting from your participation in the Share Program or receipt or use of any Share Reward, any failure or unforeseen delay by Neu in connection with the Share Program, or the performance or non-performance of the Share Program by Neu, even if Neu has been advised of the possibility of damages. This disclaimer of liability applies to any damages or injury caused by any failure of performance, error, omission, interruption, deletion, defect, delay in operation, computer virus, communications line failure, theft or destruction, unauthorized access to, alteration of, or use of any information provided by any person participating in the Share Program.
    • Neu makes no warranty of any kind regarding the Share Program or any Share Reward, which are provided on an “as is” and “as available” basis. Neu expressly disclaims all warranties, including implied warranties of merchantability, fitness for a particular purpose, title, non-infringement, and those arising by statute or otherwise in law or from a course of dealing or usage of trade. Neu is not responsible or liable for any warranty, representation, or guarantee, express or implied, in fact or in law, relative to the Share Program or any Share Reward, including without limitation that the Share Program will be error-free, or as to the accuracy, completeness and timeliness of any content or information distributed with respect to the Share Program. Some states do not allow the limitation of liability and disclaimer of implied warranties, so the disclaimers and limitations above may not apply to you.

These Share Program rules make up the entire agreement between you (“The Customer”) and Neu relating to the Share Program and replace any prior understandings or agreements (whether oral or written) regarding the Share Program. Any disputes arising from the Share Program rules will be subject to the arbitration agreement and class action waiver contained in Neu’s Cardholder Agreement.