Effective from December 2012
"Account" means your approved bank Account with us.
"Eligible Transaction" means any transaction conducted on your Account that we identify as eligible to accrue or be awarded Points.
"Gulf Bank Card" means any Gulf Bank credit card (including without limitation Visa and MasterCard) except for internet card
"Gulf Bank Rewards Account" means the Account with Gulf Bank reflecting the number of Points awarded and/or earned and/or redeemed by using your Gulf Bank Card(s) accumulated and used on your Gulf Bank Rewards Account allowing you to participate in the Gulf Rewards Program including without limitation earned Gulf Rewards, awarded Gulf Rewards, adjusted Gulf Rewards, special Gulf Rewards, redeemed and expired Gulf Rewards.
"Instructions" means any instructions received by us from you to redeem the Points accumulated on your Gulf Bank Rewards Account.
"Membership Number" is the number provided by us to you relating to your Gulf Bank Rewards Account.
“Partners” means any company, entity, or merchant participating in the Gulf Rewards Program to offer services and products or Gulf Rewards to you through us.
“Gulf Rewards” means cash back or exclusive loyalty offers or off-set of specified Gulf Bank fees and/or charges, as determined by us from time to time, or vouchers for specific merchandise as determined by us from time to time and any other type of Gulf Rewards specified by us from time to time.
"Gulf Rewards Program" means the Rewards Program offered by us to you by virtue of which you can be awarded and/or earn and /or redeem Points on your Gulf Bank Rewards Account in exchange of certain Gulf Rewards offered by our Partners when using your Gulf Bank Card as described in Schedule A attached hereto.
"Rewards Program Points" means the points awarded to you and/or earned by you and credited and/or debited to your Account with us as a result of your usage of Gulf Bank Card that are eligible for the Rewards Program.
"Security Details" means the unique user identification name, password, PIN, and other relevant security details as we might require from time to time and which are used by you to access your Account on the Website.
"Statement" is the statement of the Points available to you on our Website and showing the information relating to your Account and to the number of Points awarded, accrued and redeemed as well as the expiration date of such points of the Gulf Bank Gulf Rewards Account.
"Phone" means the device, possessed and/or owned and/or controlled by you which has the assigned Phone Number, and through which you communicate with us either by receiving SMS alerts or by giving us Instructions or otherwise accessing the Service.
"Phone Number(s)" means the telephone number assigned to your Phone and registered with us and that you undertake that it remains under your possession and/or ownership and/or control at any time.
"Program Rules" means the rules, regulations, policies and procedures particular to each service or product offered under the Gulf Rewards Program.
"User Guide" means the guidance and information issued by us in connection with the Rewards Program, as amended from time to time, the current version of which can be found on our website at url e-gulfbank.com, or such other url as we may determine in our sole discretion from time to time.
"Website" means the internet and secure online banking site owned and operated by us at url gulfrewards.e-gulfbank.com or such other as we may determine in our sole discretion from time to time, through which you access the Gulf Rewards Program.
"we", "us" and "our" means Gulf Bank KSC, of PO Box 25611, SAFAT, 13117, Kuwait.
"you", "your" and "yours" or ?Members? means any of our customers enrolling in the Gulf Rewards Program.
We offer you a choice of Gulf Rewards Program as described on Gulf Bank Website from time to time. These Gulf Rewards Program Terms and Conditions (?Terms and Conditions?) govern the Gulf Rewards Programs and our relationship with you in relation to any Gulf Rewards Program. Membership in the Gulf Rewards Programs is subject to these Terms and Conditions set forth below, and these Terms and Conditions apply to all Gulf Rewards Programs unless specifically indicated otherwise, and supersede all previous terms and conditions. By your use of Gulf Bank Card you may be awarded, earn and redeem Gulf Rewards Program Points, You agree that:
(a) by registering and singing up to this Gulf Rewards Program on the Website you have read, understood and accepted these Terms and Conditions; and
(b) You consent to our processing of your personal data, and disclosure of such data to third parties.
2. Conditions of Enrollment
Only individuals are eligible for Gulf Rewards Program membership, and each individual may maintain only one Gulf Bank Rewards Account. Corporations, groups and/or associated entities cannot enroll in the Gulf Rewards Program including any person holding Cards on behalf of a corporation, group and/or associated entity.
Employees of Gulf Bank are eligible to participate in the Gulf Rewards Program.
By holding and using a Gulf Bank Card you are automatically enrolled in the Gulf Rewards Program as described herein and by using your Gulf Bank Card(s) you are automatically entitled to be awarded, earn and redeem Points on each Eligible Transaction you make. By signing up and registering on our Website a Membership Number will be assigned to you and you will have a Statement showing the number of Points awarded, earned and redeemed.
3. Transfer of Awarded and Accrued Points
Awarded and/or accrued Points do not constitute your property. Points awarded and/or accrued by a Gulf Rewards Program Member are for your personal benefit only and may not be transferred, assigned, pledged to anyone or combined with another member for any other reason, including divorce or inheritance. Any Points which we deem in our sole discretion to have been transferred, assigned, pledged or combined in violation of these Terms and Conditions may be confiscated by us.
In the case of a single, joint or multiple holders of a Gulf Bank Card, all authorized signatories thereto will be automatically enrolled in the Gulf Rewards Program; however, the use and redemption of Gulf Rewards Points shall only be available to any authorized signatory as per our records. However, you will be awarded and/or you will earn and accrue Points with respect to each related Account and the Points will be credited to such Account. The Accounts subject to the Gulf Rewards Program are identified by your Identification (CIF) number of the primary signatory as established in our records.
In case an Account authorized signatory(ies) or a supplementary cardholder(s) is/are removed from the Account, then such signatory(ies) or supplementary cardholder(s) is/are no longer eligible to participate on Gulf Rewards Program, however the Points accrued by the removed authorized signatory(ies) or the supplementary cardholder(s) will remain in the Account and only the remaining person holding the Account will be able to redeem those accrued Point.
As described in more detail on the Website, you may be awarded and/or earn Points and redeemed such Points as a cash value back into credit card and other services and products as described by us from time to time. Each Gulf Reward is subject to the Program Rules, regulations, policies and procedures that we may, in our discretion, adopt from time to time. We may amend the Program Rules, regulations and policies at any time without notice. We have the sole discretion to interpret and apply these Program Rules.
4. Eligible Transaction
We shall determine, from time to time, at our sole discretion, which Card(s) and/or which Gulf Bank Card(s) transactions are eligible for inclusion/exclusion on Gulf Rewards Program and will be awarded and/or earn Points on each Eligible Transaction or will be awarded Points at our sole discretion, the associated limits on earnings as well as the number of Points required for redemption of Gulf Rewards. In case of a reversal of any Eligible Transaction, the Points credited to the Gulf Bank Rewards Account as a result of such Eligible Transaction will be deducted from the accrued Gulf Rewards Points balance. Debits to the Gulf Bank Rewards Account unrelated to the reversed Eligible Transaction will reduce the accrued Gulf Rewards balance as per the calculation criteria set for a particular Gulf Reward. You hereby authorize us to access your Account to off-set, deduct or combine Points.
The Points are earned for each of the Gulf Rewards or Eligible Transaction subject to each Gulf Reward earning criteria. Our Website provides a list of further exceptions to earnings of Gulf Rewards Points per type of Gulf Rewards or Eligible Transactions. Gulf Rewards may be calculated by rounding down the transaction value to the nearest integer and as per the criteria set for each product included in the Gulf Rewards Program.
In case of a change to the status of the Gulf Rewards (such as an upgrade or downgrade thereof), the Gulf Rewards calculations shall be adjusted accordingly.
5. Redemption of Points
The Points may be redeemed (i) cash back or exclusive loyalty offers or (ii) to off-set specified our fees and/or charges, as determined by us from time to time or (iii) vouchers for specific merchandise as determined by us, any other type of Gulf Rewards specified by us from time to time.
Only Points that are registered in, the Gulf Bank Rewards Account, at the time of redemption, are eligible for redemption. Our records shall be conclusive evidence in respect of the number of Points registered and credited to a Gulf Bank Rewards Account and available for redemption.
The redemption of Gulf Rewards Points may be done through your Account on gulfrewards.e-gulfbank.com. Any Instructions conveyed by you will be governed by the terms and conditions of the respective mode of redemption. We will act on, and shall treat as genuine and authentic, and you shall be fully responsible for, that Instruction;
(a) you agree that we will rely on the information provided by you to act on any Instruction and we are under no obligation to authenticate such Instruction and we will act on each Instruction without seeking further confirmation; and
(b) you shall not contest or raise any claim in relation to such Instruction.
Notwithstanding the provisions of this Section, we reserve our right to make further fraud prevention checks with regard to any Instruction and may refuse to act on an Instruction in our sole discretion.
We shall only process Instructions subject to the availability of sufficient number of Points in your Gulf Bank Rewards Account. In the event, your Account does not have available Points, or for any other reason in our sole discretion, we reserve the right to refuse to act on any Instruction.
If we refuse to act on an Instruction, we will make reasonable efforts to inform you, with the reasons for the refusal (if possible) and any factual errors that led to the refusal.
In case where the Points are subtracted from the Gulf Bank Rewards Account due to reversal transactions or complain submitted by customer, it may reduce or eliminate the accumulated Points resulting in a negative or zero Gulf Bank Rewards Account balance. If such Points are subtracted from the Gulf Bank Rewards Account after a Gulf Reward redemption has been done that reduced the Gulf Bank Rewards Account balance below the amount required for such Points -subtraction, we may, at our sole discretion, suspend delivery of the Gulf Rewards or debit the equivalent cash value of such Gulf Rewards from any Gulf Bank Rewards Account or any of your Account(s). Any newly accrued Points will be used to offset the negative Gulf Bank Rewards Account balance until such balance has returned to zero or positive.
Any Gulf Reward(s) redemptions is subject to our approval, and the terms and conditions for the relevant Gulf Rewards, availability of a reward at the time the redemption is requested, as well as restrictions imposed by Partner issuer of the Gulf Reward. Whenever deemed necessary, we may, without notice to you, cancel the reward redemption order or substitute the reward redemption order with another of comparable nature and value, as determined by us.
Any redemption of cash back or vouchers are directly subject to the terms and conditions of our authorized partners.
Once issuedcash back or vouchers are not exchangeable, returnable, refundable, or redeemable for cash or credit, nor will they be replaced in the event of loss, damage or destruction. Once submitted, an order for redemption of cash back and vouchers cannot be cancelled, revoked, transferred or changed by you in any manner.
Redemption details of cash back or vouchers are sent to your email address. If you wish to have them sent to a different e-mail address, the e-mail address contained in your Account profile must be updated prior to redeeming any Gulf Reward. We will not be responsible for any redemption ofvouchers sent to the wrong e-mail address or returned as a result of your failure to update your Account profile information.
Should redemption item of the Gulf Rewards (if any) be received in a damaged or defective condition, you must notify the Partner offering this Gulf Reward of such damage or defect within the stipulated number of days as mentioned on the date of the receipt. We shall use reasonable efforts to convey your complaint to the Partner and arrange, whenever possible, for an appropriate replacement thereof. Notwithstanding the foregoing, we shall not be held responsible in any manner whatsoever for damaged or defective Gulf Rewards.
6. Cancellation of Points
All Points shall be cancelled and no additional or unprocessed redemption requests of Gulf Reward shall accrue in a Gulf Bank Rewards Account immediately in the following circumstances: (a) the Gulf Bank Rewards Account has been closed or is not in good standing (as determined by us); (b) all your Cards (under the same CIF) are cancelled or closed for any reason whatsoever including death; (c) if you breach of any of these Terms and Conditions and/or any other policy incorporated by reference herein; or (d) any other event, which, at our sole discretion, will result in such forfeiture.or (E) in case all Cards (Under the same(CIF) are cancelled by us for any reason or due to internal or Central Bank of Kuwait rules and polices.
The information provided to us when completing earning and redeeming Points is processed in our computer systems. Communication of relevant information is important to administering the Gulf Rewards Program and providing you with the opportunity to maximize the benefits of your membership. We will only disclose your information to: person(s) companies and entities that provide the services and sell the products offered by the Gulf Rewards Program and to third parties emails providers for the following purposes: 1) in order to better service Gulf Bank Rewards Account and preferences by keeping you informed of your Gulf Bank Rewards Program Account status and activities through printed or electronic statements; 2) to assess entitlement to benefits; 3) to offer you additional products and services; 4) to send periodic satisfaction or market research surveys; 5) to offer you products or services from select reputable companies with whom we have a strategic relationship because we believe their offerings will be of interest to you. In participating in the Gulf Rewards Program, you consent to receive all of kinds of information described above.
A record of Gulf Rewards Program activity for each Member will be available online in the form of a Statement to you or your authorized signatory. Gulf Rewards Program shall be transferred on a periodic basis as per the activity of the accumulation of the Points into the Gulf Bank Rewards Account for the purpose of accruing Points, and all the Gulf Rewards shall accrue and expire as described in these Terms and Conditions and the terms and conditions contained in the Statement. You may access a copy of your Statement online at gulfrewards.e-gulfbank.com.
You shall be responsible for advising us of any change of your security details and address and you shall be responsible for ensuring that your Point are properly credited. If proper credit does not appear on your Statement, you should inform us immediately and provide us with any documentation we see necessary.
Any discrepancy or error on the Statement must be reported to us within fourteen (14) days from the date the Points are awarded, earned or redeemed and such reporting is subject to the Terms and Conditions contained herein and in the Statement.
9. Security Duties
We will send you your Security Details on the Phone Number provided to us, you hereby confirm, declare and acknowledge that the Phone Number (s) provided to us, is owned by and/or controlled and/or possessed by you, and that any information or communication from and to the Phone, including the giving of Security Details, is and shall be within your control and responsibility.
You hereby undertake to inform us immediately as described below, upon any change in the Phone Number(s), loss of the Phone or Phone Number(s), or any other dealing with the Phone being outside your control and/or any change that may effect the provision of this Service to you.
If any of your Phone, Phone Number(s) or Security Details are lost or stolen, or you suspect that someone else has used or tried to use them or has changed for any reason whatsoever, you must tell us without delay by calling us on the following numbers:
(a) From Kuwait: 1805805 (8am to 10pm); or
(b) From outside Kuwait: +965 22444383 (8am to 10pm),
or by notifying the branch where your Account is held.
You must take all necessary precautions to keep safe and prevent any fraudulent or unauthorized use of your Security Details while accessing your Account and/or your Statement on the Website
You agree that the precautions requested under this Section include, but are not limited to, all of the following:
(c) Never writing down or otherwise recording your Security Details in a way that can be understood by someone else;
(d) Not choosing Security Details that may be easy to guess by someone else;
(e) Taking care to ensure that no one hears or sees your Security Details when you use them;
(f) Keeping your Security Details safe, secret, and unique;
(g) Not allowing anyone else to have or use your Security Details and not disclosing them to anyone, except when registering for or resetting your Security Details or if required to be disclosed by any law;
(h) Keeping information about your Points containing personal details (such as statements) safe and disposing of them safely and securely;
(i) Changing your Security Details on a regular basis;
(j) Changing your Security Details immediately and informing us as soon as possible, if you know or suspect that someone else knows any of those Security Details, or if we ask you to;
(k) Never accessing the Statement from a link in an e-mail, sms, or other electronic communication unless sent to you by us;
(l) Never accessing your Account from any publicly available device, without first making sure that no one else will be able to observe, copy, save, or otherwise obtain your Security Details, or access the Account by pretending to be you;
(m) Never recording any Security Details on any software which retains information automatically;
(n) once you have logged on to or accessed the Account, not leaving the device from which you have accessed the Account or let anyone else use that device until you have logged off following the required procedures; and
(o) Following all security measures recommended by us and/or the manufacturer of the device you use to access the Account.
If any Security Details are lost or stolen, or you suspect that someone else has used or tried to use them, you must tell us without delay by calling us on the following numbers:
(a) From Kuwait: 1805805 (8am to 10pm); or
(b) From outside Kuwait: +965 22444383 (8am to 10pm),
or by notifying the branch where your Account is held.
10. Modifications and Changes
The accumulation of Points and each Gulf Rewards Program is subject to related Program Rules. You are responsible for reading the Program Rules, newsletters, and Gulf Bank Rewards Account Statements in order to understand your rights, responsibilities, and status in the Gulf Rewards Program, as well as the structure for earning Gulf Rewards. We have the sole discretion to interpret and apply the rules, and all questions or disputes regarding these rules will be resolved by us in our sole discretion.
The Gulf Rewards structure and the Gulf Rewards Program is subject to modification, cancellation, variation, termination or limitation of any benefits or features thereof or to withdraw or change the membership criteria and/or change the value or validity of the Gulf Rewards Programs at any time, at our sole discretion, without any prior notice to you or liability on our part. The number of Points required to redeem any Gulf Reward may be substantially increased or decreased, any Gulf Reward may be withdrawn, and restrictions on any Gulf Reward or Gulf Reward redemption may be imposed at any time.
We and our Partners offering the Gulf Rewards have the right to change, limit, modify or cancel the Gulf Rewards Program terms and conditions, Gulf Rewards and Gulf Rewards levels at any time, without any prior notice to you, even though such changes may affect the value of Points, or the ability to obtain certain Gulf Rewards. We and our Partners offering the Gulf Rewards may, among other things: a) increase or decrease the number of Points required for a reward; b) withdraw, limit, modify or cancel any reward; change program benefits, , locations served by us or our Partners, conditions of participation, rules for earning, redeeming, retaining or forfeiting Point, or rules governing the use of Gulf Rewards; e) change or cancel a Gulf Rewards. In accumulating Points, you may not rely upon the continued availability of any Gulf Reward or Gulf Reward level or category.
11. Term and Termination
Gulf Rewards- Points are valid for a period of two (2) years from the date the Points are earned. Unless such Points are used prior to the expiration date, Gulf Rewards Program Points shall expire on such date. Upon expiration, unused Points will be removed from the Gulf Bank Rewards Account as of the expiration date and cannot be re-credited. It is your responsibility to be aware of both the number of Points in your Account, and their expiration date.
Additionally, we have the right to terminate the Gulf Rewards Program without any written notice to you and without any reason whatsoever. The Gulf Rewards Program will be terminated (a) in the event of a breach by you of these Terms and Conditions or of any applicable provisions in any policy incorporated by reference herein, or (b) in the event of failure on your part to pay for any outstanding/dues within the prescribed time set by us or for any other reason whatsoever, we reserve the right, at its discretion, to:
1. Terminate your membership and close your Gulf Bank Rewards Account;
2. Refuse to award Points;
3. Withdraw the Gulf Rewards: and/or
4. Refuse to redeem the reward(s).
Such suspension and disqualification of your Gulf Bank Rewards Account may result, at our sole discretion, in the forfeiture of all of your Points.
The membership in the Gulf Rewards Program will terminate automatically upon death, insolvency, unsatisfactory conduct on the Account (which is determined in our sole discretion). In that event, the right to earn Points and redeem Gulf Rewards is automatically forfeited.
12. Fraud and Abuse
In the case of fraud or abuse involving the Gulf Rewards Program, Point credit, , reward use, we reserve the right to take appropriate administrative and/or legal action, including but not limited to revocation/cancellation of any reward and/or termination of Gulf Rewards Program Membership, and all Points earned through the Gulf Rewards Program may be forfeited and any relevant Membership Account(s) closed.
You hereby acknowledge and agree that the changes, amendments, modifications and changes to the Gulf Rewards and the Gulf Rewards Program my diminish the redemption value of the Gulf Rewards Program already earned by you and you acknowledge and you hereby irrevocably release and unconditionally discharge us and our officers, board, and employees, jointly and severally from any and all liability, actions, causes of actions, claims, demands for, upon or by reason of any damage, loss (including without limitation loss of profits) which hereafter may be sustained by participating in the Gulf Rewards Program. This release extends and applies to, and also covers and includes, all unknown, unforeseen, unanticipated and unsuspected damages or losses and liability and the consequences hereof as well as those now disclosed and known to exist. It is further understood and agreed that said participation in the Gulf Rewards Program is not to be construed as an administration of any liability and acceptance of assumption of responsibility by us, our officers, board, and employees jointly and severally for all damages and expenses for which we, our officers, board, and employees become liable as a result of any alleged act of your participation in the Gulf Rewards Program.
14. Governing law and language
(a) The Agreement is governed by the laws of Kuwait. You and we submit to the exclusive jurisdiction of the courts of Kuwait.
(b) The Terms are in English and all communications we send to you will be in English.
These Terms and Conditions shall be an integral part of the Account Opening Terms and Conditions and the Credit Card Terms and Conditions.