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CK Progress, Inc. uses the DOSH Holdings, LLC (“DOSH,” “our,” “we”) cash back platform to manage the Credit Karma Money Rewards Powered by Dosh® program (the “Program”). DOSH is a third party that is not affiliated with MVB Bank, Inc. or CK Progress, Inc. By participating in the Program, you agree your Credit Karma Money Spend account will use the DOSH platform in order for you to earn and redeem rewards based on qualifying transactions with participating merchants (the “Services”). These Credit Karma Money Rewards Powered by Dosh Terms of Service (the “Credit Karma Money Rewards Powered by Dosh Terms”) govern your use of the DOSH platform.
1. YOUR ACCEPTANCE OF THESE CREDIT KARMA MONEY REWARDS POWERED BY DOSH TERMS
By accessing or using the Services in any way or by clicking to agree to these Credit Karma Money Rewards Powered by Dosh Terms (or any agreement that has incorporated these Credit Karma Money Rewards Powered by Dosh Terms) when that option is made available to you, you agree to be bound by these Credit Karma Money Rewards Powered by Dosh Terms and the DOSH Privacy Policy which is incorporated by this reference into these Credit Karma Money Rewards Powered by Dosh Terms. If you do not agree to all the Credit Karma Money Rewards Powered by Dosh Terms, do not access or use the Services.
2. THE SERVICES
How to Earn Rewards
The purpose of the Services is to help you save money with minimal effort by rewarding you for certain qualifying purchases and other activities. Only qualifying purchases, as defined in the Credit Karma Money Spend Account Terms & Disclosures, will earn rewards. The DOSH Privacy Policy governs our collection, use, storage, and disclosure of user information. DOSH is in no way affiliated with the merchants that extend offers to you through the Program. Subject to these Credit Karma Money Rewards Powered by Dosh Terms, we will automatically provide rewards to you when you purchase qualifying goods or services at participating merchants with your eligible Credit Karma Money Spend payment method. DOSH, in its sole discretion, establishes the terms and conditions for each qualifying purchase or action and determines whether you have satisfied such terms and conditions to receive the associated rewards. We recommend double-checking Credit Karma app to make sure a specific offer is still available before making your purchase. All offers made available to you are temporary and may become unavailable without notice.
Excluded Transactions
The following transaction types are never eligible to receive rewards:
Returns, Charge Backs, Cancellations, Disputes, Refunds, and Fraud
Without limiting any of the other terms of these Credit Karma Money Rewards Powered by Dosh Terms, 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 rewards from the Credit Karma Money Spend account linked to your eligible Credit Karma Money Spend payment method or withhold future Credit Karma Money Rewards Powered by Dosh to offset any such amount.
You represent and warrant that you will not access or use the Services to engage in any illegal, fraudulent, or other illicit activity. If we, in our sole discretion, suspect or detect fraudulent or illegal purchase activity with your Credit Karma Money Spend payment method your eligibility to participate in the Service may be terminated and we reserve the right to remove any pending or future rewards associated with that activity from your Credit Karma Money Spend account.
Earn Rewards Transfer
Any Credit Karma Money Rewards that you earn will be transferred to your Credit Karma Money Spend account. If your Credit Karma Money Spend account is closed for any reason prior to receiving your earned cash back reward a check will be sent to you. We reserve the right to refuse to send checks for earned cash back rewards in the amount of $3.00 or less. You are solely responsible for verifying the accuracy and completeness of any rewards transferred to your Credit Karma Money Spend account.
Taxes
All rewards received 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 the Services. We are not responsible for determining whether you owe taxes in connection with your access to or use of the Services or for collecting, reporting, or remitting taxes arising from your access to or use of the Services, except for our own income taxes.
3. OWNERSHIP AND PROPRIETARY RIGHTS IN THE SERVICES
You acknowledge and agree that the Services are protected by applicable copyright, patent, trademark, and other intellectual property laws. All words and logos displayed in connection with the Services that are marked by the ™ or ® symbols are trademarks and service marks of DOSH and/or their respective owners. The display of a third-party trademark in connection with the Services does not mean that we have any relationship with that third party or that such third party endorses the Services or DOSH.
4. MISCELLANEOUS
These Credit Karma Money Rewards Powered by Dosh Terms, including the DOSH Privacy Policy, and the Credit Karma Money Spend Account Terms & Disclosures constitute the entire agreement between you and us regarding the Services. These Credit Karma Money Rewards Powered by Dosh Terms may not be modified, supplemented, qualified, or interpreted by any trade usage or prior course of dealing not expressly made a part of these Credit Karma Money Rewards Powered by Dosh Terms. We may, without prior notice or liability to you, discontinue the Services or modify the Services by adding or removing features or functionalities, even though such changes may affect rewards awarded to you. We may also revise these Credit Karma Money Rewards Powered by Dosh Terms from time to time in our sole discretion, subject to applicable law. When we revise these Credit Karma Money Rewards Powered by Dosh Terms, we will update this document to reflect those changes. Your continued access or use of the Services will constitute acceptance of the revised version of these Credit Karma Money Rewards Powered by Dosh Terms. Except as otherwise expressly stated by us, your access to and use of the Services are subject to the version of these Credit Karma Money Rewards Powered by Dosh Terms in effect at the time of your access or use.
These Credit Karma Money Rewards Powered by Dosh Terms and any rights hereunder may not be transferred or assigned by you without our prior written consent but may be assigned by us without restriction and without your prior consent. Any attempted transfer or assignment by you without our prior written consent will be null and void. No agency, joint venture, partnership, trust, or employment relationship is created between you and us by way of these Credit Karma Money Rewards Powered by Dosh Terms.
DOSH Holdings, LLC (the “Company,” “we,” “us,” and “our”) is committed to treating your personal information with respect and sensitivity. This privacy policy (this “Privacy Policy”) explains how we may collect, store, use, and disclose information when you access or use Credit Karma Money Rewards Powered by Dosh®. By participating in the Program, you agree your Credit Karma Money Spend account will use the Dosh platform in order for you to earn and redeem rewards based on qualifying transactions with participating merchants (the “Services”).
YOUR ACCEPTANCE OF THIS PRIVACY POLICY
By accessing or using the Services, you consent to our collection, storage, use, and disclosure of your information as described in this Privacy Policy. The provisions contained in this Privacy Policy supersede all prior notices and statements regarding our privacy practices with respect to the Services. If you do not agree to every provision of this Privacy Policy, you may not access or use the Services.
PROTECTING CHILDREN’S PRIVACY
The Services are not directed, or intended to be attractive, to children under the age of 13. We do not knowingly collect personal information from children under the age of 13. If you are under the age of 13, do not use the Services or submit any information to us. If we learn we have collected or received personal information from a child under the age of 13 without verification of parental consent, we will delete that information.
TYPES OF INFORMATION WE COLLECT AND HOW WE COLLECT IT
When you access or use the Services, we may collect information that identifies you (“Personal Information”), and we may also collect information that does not identify you (“Anonymous Information”). When Anonymous Information is, directly or indirectly, associated or combined with Personal Information, such Anonymous Information will be considered Personal Information for purposes of this Privacy Policy. In addition, to the extent Internet Protocol (“IP”) addresses or similar identifiers or information is considered personally identifiable information by applicable law, we will treat such identifiers and information as Personal Information under this Privacy Policy.
HOW WE USE & SHARE INFORMATION
Notwithstanding anything to the contrary in this Privacy Policy or the Credit Karma Money Rewards Powered by Dosh Terms, we will use personal information, payment method and transaction information solely as follows:
