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Bright Star Cash Reward Program Agreement

Your participation in the reward program constitutes your agreement to be bound by the following terms and conditions.

 

Definitions

Returning Customer - a customer that has successfully paid off a loan with Bright Star Cash

Paid Off Loan - when payment(s) for the entire principal and accrued finance charges as of the payoff date or any other charges have been made.  Loans which have fee or principal waivers, missed payments, or other modifications are not considered “Paid Off Loans” for the purposes of the Returning Customer Rewards Program.

Rate - Returning Customers will receive a reduced APR between 295 % -795 % which is based on credit history with Bright Star Cash, verification of the information provided by the consumer, payment history with Bright Star Cash, and other credit criteria.

Rescinded Loan - A loan that has been cancelled or rescinded within 24 hours of Bright Star Cash’s approval of your application is not eligible for the Rewards Program and is not considered a Paid Off Loan.  A Rescinded Loan is not eligible for the Rewards Program.

Payment Due Date - The date on which loan payments are due as listed in the loan agreement.

$5 Rewards - A $5 e-gift card to a major retailer (Wal-Mart, Target, or Amazon) or $5 payment towards your loan.

 

How do I earn a $5 Reward?

Earn a $5 Reward when your loan is paid off. Any rescinded loan or paid off loan with a reduced or waived balance does not qualify as a Paid Off Loan.

 

How do I know when I have a $5 Reward available?

Your $5 reward credit will be available within 24 hours after your loan is paid off and can be redeemed upon receipt. You will receive updates via email periodically or you can contact us by one of the following:

Call customer service at 1-800-986-2165

Send an email to rewards@brightstarcash.com

Text the keyword REWARDS to 46749

 

What can I redeem $5 reward credit for?

A $5 Reward can be redeemed until they expire for a $5 E-gift card from Wal-Mart, Target, or Amazon, or can be applied as a $5 payment on your loan. Multiple Rewards can be exchanged towards an e- gift card from additional major retailers for an equal denomination. The e-gift card selection may vary and is subject to change. The e-gift card retailers are not affiliated with the Rewards Program or with Niizh LLC.

$5 Rewards can be applied as a payment to your loan. The payment will be applied first to any outstanding finance fee and then to the principal balance. Multiple $5 Rewards can be exchanged for a payment to your loan for the combined denomination.

 

How can I redeem $5 Rewards?

You can redeem $5 Rewards by using one of the following options:

Call customer service at 1-800-986-2165

Send an email to redeem@brightstarcash.com

Text the keyword REDEEM to 46749

 

Other important information

 

Please note that $5 Rewards can be redeemed at any time until they expire.

After you redeem a Reward e-gift card, please allow 72 hours for it to be emailed to you. Rewards that are redeemed as a payment on a loan are applied to your next payment and are deducted from your rewards balance within 72 hours of redemption.

All Reward e-gift card redemptions are finalized when processed by Niizh, LLC, d/b/a Bright Star Cash, and are sent to your email address on file. It is your responsibility to validate the accuracy of your phone number and email address on file. We are not responsible for Reward e-gift cards sent to an inaccurate email address or redeemed by third parties using your email address on file. Please check your spam and junk e-mail folder before contacting customer service.

Rewards cannot be refunded, returned, exchanged, credited, or transferred.

Rewards are non-negotiable and have no cash value, except when redeemed as a payment towards your loan.

Any disputes or questions pertaining to a $5 Reward e-gift card after redemption, including but not limited to balances, fraudulent use of e-gift card, lost or stolen cards, etc. are to be directed to the retailer(s) of the card. Niizh, LLC, d/b/a Bright Star Cash, is not responsible for any fraudulent use, lost or stolen cards, card balances, or any other inquiries pertaining to the card after redemption.

The Rewards Program is subject to termination or change at any time at the sole discretion of Niizh, LLC, d/b/a Bright Star Cash.

 

Do my Rewards expire?

 

Your $5 Reward will expire 12 months after you earn the $5 Reward credit or if the Rewards Program is canceled or suspended at any time for any reason.

 

Rewards Program revisions

Changes to the Rewards Program may be made at any time in the sole discretion of Niizh, LLC, d/b/a Bright Star Cash, without prior notice.

Changes to the Rewards Program may include, but are not limited to the following:

- Replacement or discontinuance of any $5 Reward or redemption option;

- Termination or discontinuance of your participation in the Rewards Program for any reason;

- Revision of the type or value of the reward, the types of transactions that qualify for rewards, the expiration date of the rewards, or the types of transactions that do not qualify for rewards.

 

Release

You agree to release Niizh, LLC, d/b/a Bright Star Cash, and any of its affiliates from any and all liability including:

- Any injury, accident, loss, expense or damages you or anyone with you experience when using any reward;

- Any claims, expenses and legal fees arising from or related to any violation of the Rewards program by you or anyone using your rewards account.

- Any typographical errors or omissions in any Rewards Program-related document;

- The use of any personal or other information you provide to any merchants in connection with processing your reward;

- Delayed, lost or stolen correspondence sent by U.S. mail or any other form of delivery, including email;

- Disputes specific to the e-gift card including but not limited to balances, fraud, lost or stolen cards; and

- Any error, omission, interruption, deletion, defect, delay. theft, destruction, or unauthorized access to, or alteration of, rewards you earn or redeem.

We do not endorse or guarantee any of the goods, services or information provided by the Program’s third-party suppliers. Third-party retailers are independent contractors and are not employees of Niizh, LLC, d/b/a Bright Star Cash, or any of its affiliates, employees, or agents.

You agree that to process your transactions, the information you provide will be disclosed to merchants and other parties involved in your transaction, Examples of such information include but is not limited to your name and email address.

 

Liability

You agree to release Niizh, LLC and any of its affiliates from all liability including:

Any injury, accident, loss, expense or damages you or anyone with you experience when using any reward. If at all, the sole extent of any liability will not exceed the actual value of the reward.

Any claims, expenses and legal fees arising from or related to any violation of the program Rules by you or anyone using your points account.

Any typographical errors or omissions in any Program-related document.

The use of any personal or other information you provide to any merchants in connection with processing your reward.

Delayed, lost or stolen correspondence sent by U.S. mail or any other form of delivery, including email.

Disputes specific to the e-gift card including but not limited to balances, fraud, lost or stolen cards.

Any error, omission, interruption, deletion, defect, delay. Theft, destruction, or unauthorized access to, or alteration of, points you earn or redeem.

We do not endorse or guarantee any of the goods, services or information provided by the Program’s third-party suppliers. Third-party retailers are independent contractors and are not employees of Niizh, LLC, d/b/a Bright Star Cash, or any of its affiliates, employees, or agents.

You agree that to process your transactions, the information you provide will be disclosed to merchants and other parties involved in your transaction, Examples of such information include but is not limited to your name and email address.

 

Governing Law

The Rewards Program and your participation in it is governed by the laws of the Tribe and applicable federal law, without regard to the laws of any state or other jurisdiction, including the conflict of laws of any state. You agree to be bound by Tribal law and applicable federal law, in the event of a bona fide dispute between you and Niizh, LLC, d/b/a Bright Star Cash, and/or its affiliates, employees or agents.

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