Common use of Merchant Codes Clause in Contracts

Merchant Codes. Merchants who accept Visa cards are assigned a merchant identifier, which is determined by the merchant or its processor in accordance with Visa procedures. We use merchant identifiers for the purpose of making rewards offers to you. Purchases submitted by you, an authorized user, or the merchant through third-party payment accounts, mobile or wireless card readers, online or mobile digital wallets, or similar technology will not qualify in a rewards category if the technology is not set up to process the purchase in that rewards category. Please note that we make every effort to include all relevant merchant codes in our rewards categories. However, even though a merchant, or some of the items that it sells, may appear to fit within a rewards category, the merchant may not have a merchant code in that category. When this occurs, purchases with that merchant will not qualify for rewards for purchases in that category. Cash advances, including purchases of cash equivalents of any kind, balance transfers, convenience check amounts, purchases we believe to have been made for commercial purpose, account fees (as defined in the Cardholder Agreement), interest charges, credit insurance, gambling fees, credit protection, debt cancellation charges, and unauthorized or fraudulent transactions do not qualify as Eligible Purchases and do not earn Avios. Casino gambling chips, off-track xxxxxx, lottery tickets, and bets or xxxxxx transmitted over the internet or through a mobile application do not earn Avios. Any purchases of cryptocurrency, including bitcoins, litecoins, non-fungible tokens (NFTs), yield farming tokens, transactions on cryptocurrency exchanges, and any similar cryptocurrency-type transactions do not qualify as Eligible Purchases and will not earn any Avios. We reserve the right to determine whether a purchase is deemed a crypto-related transaction and thus not eligible to earn Avios. Eligible Purchases made on your Card Account will also allow you to earn Qpoints under the Qatar Privilege Club programme that may help you achieve or renew membership tiers as part of the Privilege Club programme. With the Qatar Airways Privilege Club Visa Infinite Credit Card, 2 Qpoints are awarded for every 1,500 Avios earned from making Eligible Purchases with your Qatar Airways Privilege Club Visa Infinite Credit Card. Qatar Airways maintains and administers the membership tiers and administers the Qpoints as part of the Privilege Club programme. For more details on the membership tiers associated with Qpoints and any associated expiration dates, please visit Terms and conditions | Privilege Club Programme You will not earn Qpoints based on any “bonus” Avios accrual, such as sign-up/welcome bonuses and regular promotions, including any seasonal promotional campaigns. As a Qatar Airways Privilege Club Visa Infinite Credit Card cardholder, you are eligible to qualify for Privilege Club’s Gold status for your first year of card membership. See Maintaining Status below for important information on status renewal. For more details on the Gold membership tier and any benefits associated with this tier, such as preferred boarding, lounge access, and extra baggage please visit Privilege Club tiers and Terms and conditions | Privilege Club Programme. Gold tier status is automatically awarded to your Qatar Airways Privilege Club account, subject to above exceptions, for your first year of card membership only. After your first year of card membership, tier status renewal is governed by the renewal criteria outlined in the Qatar Airways Privilege Club programme terms and conditions and is not automatically awarded upon card Account renewal. To maintain tier status, you must meet the criteria for membership renewal as outlined in the Qatar Airways Privilege Club programme terms and conditions which may include a combination of earning the required amount of Qpoints for renewal and taking Qatar Airways flights. If you do not meet the requirements for renewals as outlined in the Qatar Airways Privilege Club programme terms and conditions, your Privilege Club tier status will be downgraded to the next lowest tier. You must have an open, active, linked, and valid Qatar Airways Privilege Club account to be credited with Xxxxx earned through this Program. Avios are earned at the close of each billing cycle, based on the Eligible Purchases made during that billing cycle, plus any bonus Avios posted during that billing cycle, but minus any returns, refunds, or disputed charges. If you have more returns or refunds than Avios earned from Eligible Purchases or bonuses, then Avios may be deducted from your total Avios balance and if a negative Avios balance results, then Avios will be subtracted from subsequent Avios earnings. Once you have a linked, valid, open, and active Privilege Club account, you will see Avios that you have earned from Card purchases on xxxxxxxx.xxx or the Cardless mobile app. Avios may display as pending until they have been transferred to Qatar Airways Privilege Club. Xxxxx earned during a billing cycle will be transferred to Qatar Airways Privilege Club no later than twelve (12) weeks following the end of each billing cycle. This Agreement governs the accumulation of Avios in connection with the use of your Card Account and is separate and in addition to the Qatar Airways Privilege Club programme rules that govern your participation in the Qatar Airways Privilege Club programme, including the rules and restrictions regarding the redemption of Avios in your Privilege Club account and the different Privilege Club programme membership tiers. The Qatar Airways Privilege Club programme rules are available online at Terms and conditions | Privilege Club Programme. Information in this Agreement that relates to the Qatar Airways Privilege Club programme may not be complete or comprehensive and does not include all of the information that you should know about the Qatar Airways Privilege Club programme. Please refer to the Qatar Airways Privilege Club programme terms and conditions for more information and details. Qatar Airways may change the Qatar Airways Privilege Club programme, including, but not limited to, rules, regulations, travel rewards and special offers, or Qatar Airways may terminate the Qatar Airways Privilege Club programme at any time with or without notice even though changes may affect the value of benefits already earned. If your membership in the Qatar Privilege Club programme is terminated for any reason by you or Qatar Airways, you will no longer be eligible to use the Avios you have earned in the Program and your Card Account may be closed by us. Our obligation concerning the award of Avios is to make a valid request to Qatar Airways Privilege Club to award Avios to your linked Qatar Airways Privilege Club account. Cardless expressly disclaims any liability or responsibility for any failure or delay by Qatar Airways Privilege Club to award or redeem Avios, Qpoints, or other benefits to or from your linked Qatar Airways Privilege Club account after Cardless has met its transfer obligations to Qatar Airways. The expiration of Avios or Qpoints earned in the Program that are transferred to your Qatar Airways Privilege Club account will be governed by the Qatar Airways Privilege Club programme terms and conditions. In the event that there is a return or refund for an Eligible Purchase, the Avios earned from that purchase will be deducted from your Qatar Privilege Club programme account. If the Avios balance in your Qatar Privilege Club programme account is insufficient to cover the deduction, Avios will be subtracted from subsequent earnings until the Avios originally credited are fully returned. Refunds and returns may cause you to drop below the threshold spending amount for signing bonus or other promotional spending campaigns and thus may result in you not receiving the welcome bonus or other promotion. For information about using your Avios, go to Xxxxxxxxxxxx.xxx or call Qatar Airways Privilege Club directly at 0-000-000-0000. We may temporarily prohibit you from earning Avios and we may not transfer to Qatar Airways Privilege Club any Avios you have already earned if you do not make at least the minimum payment on your account within thirty (30) days of the due date or if we suspect that you have engaged in fraudulent activity related to your Card Account or the Program. You can begin earning Avios again and any Avios that we have held will be transferred to Qatar Airways in the next billing cycle after your Card Account becomes current or when we no longer suspect fraud or misuse of the Card Account or this Program. We may prohibit you from earning Avios and we may not transfer to Qatar Airways Privilege Club any Avios you have already earned if we suspect that you have misused the Program in any way, for example (i) by repeatedly opening or otherwise maintaining credit card accounts for the purpose of generating rewards; (ii) by manufacturing spend for the purpose of generating rewards; or (iii) by engaging in any other activity which we believe constitutes rewards abuse or gaming. You will immediately lose all Avios that have not been transferred to Qatar Airways if your Card Account status changes, or your Card Account is closed, for any of the following reasons: ● You do not make at least the minimum payment on your Card Account within 60 days of the due date; ● You fail to comply with this or other agreements you have with Cardless; ● You fail to comply with the terms of the Cardholder Agreement; ● You close your account prior to payment of the annual fee; ● We believe you may be unwilling or unable to pay your debts on time; ● You file for bankruptcy; ● You use the Card Account for a suspected commercial purpose; ● We believe that you have engaged in fraudulent activity related to your Card Account or this Program; ● We believe that you have misused, in any way, the Qatar Airways Privilege Club account to which Avios are transferred under this Program; ● We believe that you have misused this Program in any way, for example by (i) by repeatedly opening or otherwise maintaining credit card accounts for the purpose of generating rewards; (ii) by manufacturing spend for the purpose of generating rewards; or (iii) by engaging in any other activity which we believe constitutes rewards abuse or gaming; ● Your Qatar Airways Privilege Club programme account is terminated by Qatar Airways Privilege Club. If your Card Account is closed for any other reason, we will transfer any Avios earned to Qatar Airways Privilege Club, as long as you do not lose them for any of the reasons described in this Agreement and your Qatar Airways Privilege Club account is active. For important information and details regarding our use and sharing of your personal information, including your ability to restrict or limit sharing of information, please refer to Cardless’s Privacy Policy available at xxx.xxxxxxxx.xxx/xxxxxxx-xxxxxx and the Cardless, Inc. Qatar Airways Privilege Club Visa Credit Card Privacy Notice available at Cardless Qatar Airways Privilege Club Visa Card Privacy Notice. You can also obtain a copy of the Cardless, Inc, Qatar Airways Privilege Club Visa Credit Card Privacy Notice by contacting Cardless at 0-000-000-0000 or xxxxxxx@xxxxxxxx.xxx.

Merchant Codes. Merchants who accept Visa American Express cards are assigned a merchant identifier, which is determined by the merchant or its processor in accordance with Visa American Express procedures. We use merchant identifiers for the purpose of making rewards offers to you. Purchases submitted by you, an authorized user, or the merchant through third-party payment accounts, mobile or wireless card readers, online or mobile digital wallets, or similar technology will not qualify in a rewards category if the technology is not set up to process the purchase in that rewards category. Please note that we make every effort to include all relevant merchant codes in our rewards categories. However, even though a merchant, or some of the items that it sells, may appear to fit within a rewards category, the merchant may not have a merchant code in that category. When this occurs, purchases with that merchant will not qualify for rewards for purchases in that category. Cash advances, including purchases of cash equivalents of any kind, balance transfers, convenience check amounts, purchases we believe to have been made for commercial purpose, account fees (as defined in the Cardholder Agreement), interest charges, credit insurance, gambling fees, credit protection, debt cancellation charges, and unauthorized or fraudulent transactions do not qualify as Eligible Purchases and do not earn AviosMiles. Casino gambling chips, off-track xxxxxx, lottery tickets, and bets or xxxxxx transmitted over the internet or through a mobile application do not earn AviosMiles. Any purchases of cryptocurrency, including bitcoins, litecoins, non-fungible tokens (NFTs), yield farming tokens, transactions on cryptocurrency exchanges, and any similar cryptocurrency-type transactions do not qualify as Eligible Purchases and will not earn any AviosMiles. We reserve the right to determine whether a purchase is deemed a crypto-related transaction and thus not eligible to earn AviosMiles. As an avianca lifemiles American Express® Elite Card cardholder, you will automatically receive lifemiles Silver status. You are eligible to maintain lifemiles Silver status as long as your Card Account remains open and in good standing. lifemiles Silver status generally entitles you to receive certain benefits under the LifeMiles Program, such as preferred boarding, lounge access, seat upgrades, and airfare ticket purchase discounts. These benefits are maintained and administered by LifeMiles and/or Avianca and are subject to changes with or without notice. For more details on lifemiles Silver status and the associated benefits, please visit Avianca LifeMiles program for more details. If you are not already an existing Silver Tier member, it will take at least 48 business hours after the opening of your Card Account before your lifemiles membership tier will be updated. Benefits associated with Silver Tier status will thus not be available until your membership tier is updated in your LifeMiles Program account. If you are an existing Elite lifemiles member with a tier equal or higher than silver, your initial earned status commencement date and expiry date will remain unchanged. As of 48 business hours after the opening of your Card account, the Silver Tier Status granted by the Card will commence and you will be awarded the corresponding benefits of the Silver Tier Status on top of the elite benefits of your preexisting Elite Tier Status that remain unused. Yearly benefits will be made available every card membership year upon payment of the annual Card membership. For more information on the yearly benefits under the lifemiles status program, please visit Avianca LifeMiles Program for more details. Eligible Purchases made on your Card Account card account will also allow you to earn Qpoints under the Qatar Privilege Club programme Qualifying Miles that may help you achieve or renew membership tiers elite categories as part of the Privilege Club programmeLifeMiles program. With the Qatar Airways Privilege Club Visa Infinite Credit Cardavianca lifemiles American Express card, 2 Qpoints are awarded cardholders earn one (1) Qualifying Miles for every 1,500 Avios two (2) LifeMiles earned from making through Eligible Purchases with your Qatar Airways Privilege Club Visa Infinite Credit Cardunder the Elite Avianca LifeMiles Program, up to the limits set in each elite category. Qatar Airways LifeMiles maintains and administers the membership tiers elite categories and administers the Qpoints Qualifying Xxxxx as part of the Privilege Club programmeElite Avianca LifeMiles Program. Cardless is not responsible for the provision of, or failure to provide, the stated benefits. For more details on the membership tiers Elite Avianca LifeMiles Program, elite categories, and the associated with Qpoints and any associated expiration datesQualifying Miles, please visit Terms and conditions | Privilege Club Programme visit: Explore our elite Avianca LifeMiles Program at xxxxxxxxx.xxx. You will not earn Qpoints Qualifying Xxxxx based on any “bonus” Avios mileage accrual, such as sign-up/welcome bonuses and regular promotions, including any seasonal promotional campaigns. As a Qatar Airways Privilege Club Visa Infinite Credit Card cardholder, you are eligible Access to qualify for Privilege Club’s Gold status for your first year of Silver Status granted through this credit card membership. See Maintaining Status below for important information on status renewal. For more details on the Gold membership tier and program does not come with any benefits associated with this tier, such as preferred boarding, lounge access, and extra baggage please visit Privilege Club tiers and Terms and conditions | Privilege Club Programme. Gold tier status is automatically awarded to your Qatar Airways Privilege Club account, subject to above exceptions, for your first year of card membership only. After your first year of card membership, tier status renewal is governed by the renewal criteria outlined in the Qatar Airways Privilege Club programme terms and conditions and is not automatically awarded upon card Account renewal. To maintain tier status, you must meet the criteria for membership renewal as outlined in the Qatar Airways Privilege Club programme terms and conditions which may include a combination of earning the required amount of Qpoints for renewal and taking Qatar Airways flights. If you do not meet the requirements for renewals as outlined in the Qatar Airways Privilege Club programme terms and conditions, your Privilege Club tier status will be downgraded to the next lowest tierQualifying Miles. You must have an open, active, linked, and valid Qatar Airways Privilege Club LifeMiles Program account to be credited with Xxxxx earned through this Program. Avios Xxxxx are earned at the close of each billing cycle, based on the Eligible Purchases made during that billing cycle, plus any bonus Avios Miles posted during that billing cycle, but minus any returns, refunds, or disputed charges. If you have more returns or refunds than Avios Xxxxx earned from Eligible Purchases or bonuses, then Avios Miles may be deducted from your total Avios lifemiles balance and if a negative Avios lifemiles balance results, then Avios Miles will be subtracted from subsequent Avios Miles earnings. Once you have a linked, valid, open, and active Privilege Club LifeMiles Program account, you will see Avios Miles that you have earned from Card purchases on xxxxxxxx.xxx or the Cardless mobile app. Avios Miles may display as pending until they have been transferred to Qatar Airways Privilege Clublifemiles. Xxxxx earned during a billing cycle will be transferred reported to Qatar Airways Privilege Club lifemiles no later than twelve eight (12) 8) weeks following the end of each billing cycle. This Agreement governs the accumulation accrual of Avios Miles in connection with the use of your Card Account and is separate and in addition to the Qatar Airways Privilege Club programme rules LifeMiles Program terms and conditions that govern your participation in the Qatar Airways Privilege Club programmeLifeMiles Program, including the rules and restrictions regarding the redemption of Avios in your Privilege Club account Miles and the different Privilege Club programme LifeMiles Program membership tiers. The Qatar Airways Privilege Club programme LifeMiles Program rules are available online at Terms and conditions | Privilege Club ProgrammeAvianca LifeMiles Program. Information Please note that information in this Agreement that relates to the Qatar Airways Privilege Club programme LifeMiles Program may not be complete or comprehensive and does not include all of the information that you should know about the Qatar Airways Privilege Club programmeLifeMiles Program. Please refer to the Qatar Airways Privilege Club programme LifeMiles Program terms and conditions for more information and details. Qatar Airways lifemiles may change the Qatar Airways Privilege Club programmeLifeMiles Program, including, but not limited to, rules, regulations, travel rewards and special offers, or Qatar Airways lifemiles may terminate the Qatar Airways Privilege Club programme LifeMiles Program at any time with or without notice even though changes may affect the value of benefits already earned. If your membership in the Qatar Privilege Club programme LifeMiles Program is terminated for any reason by you or Qatar Airwayslifemiles, you will no longer be eligible to use the Avios Miles you have earned in the Program and your Card Account may be closed by us. Our obligation concerning the award of Avios Xxxxx is to make a valid request to Qatar Airways Privilege Club lifemiles to award Avios Miles to your linked Qatar Airways Privilege Club LifeMiles Program account. Cardless expressly disclaims any liability or responsibility for any failure or delay by Qatar Airways Privilege Club lifemiles to award or redeem Avios, Qpoints, Miles or other benefits to or from your linked Qatar Airways Privilege Club LifeMiles Program account after Cardless has met its transfer obligations to Qatar Airwayslifemiles. The expiration of Avios or Qpoints Xxxxx earned in the Program that are transferred to your Qatar Airways Privilege Club LifeMiles Program account will be governed by the Qatar Airways Privilege Club programme LifeMiles Program terms and conditions. In the event that there is a return or refund for an Eligible Purchase, the Avios Miles earned from that purchase will be deducted from your Qatar Privilege Club programme LifeMiles Program account. If the Avios Miles balance in your Qatar Privilege Club programme LifeMiles Program account is insufficient to cover the deduction, Avios Xxxxx will be subtracted from subsequent earnings until the Avios Miles originally credited are fully returned. Refunds and returns may cause you to drop below the threshold spending amount for signing bonus or other promotional spending campaigns and thus may result in you not receiving the welcome bonus or other promotion. For information about using your Avios, go to Xxxxxxxxxxxx.xxx or call Qatar Airways Privilege Club directly at 0-000-000-0000. We may temporarily prohibit you from earning Avios and we may not transfer to Qatar Airways Privilege Club any Avios you have already earned if you do not make at least the minimum payment on your account within thirty (30) days of the due date or if we suspect that you have engaged in fraudulent activity related to your Card Account or the Program. You can begin earning Avios again and any Avios that we have held will be transferred to Qatar Airways in the next billing cycle after your Card Account becomes current or when we no longer suspect fraud or misuse of the Card Account or this Program. We may prohibit you from earning Avios and we may not transfer to Qatar Airways Privilege Club any Avios you have already earned if we suspect that you have misused the Program in any way, for example (i) by repeatedly opening or otherwise maintaining credit card accounts for the purpose of generating rewards; (ii) by manufacturing spend for the purpose of generating rewards; or (iii) by engaging in any other activity which we believe constitutes rewards abuse or gaming. You will immediately lose all Avios that have not been transferred to Qatar Airways if your Card Account status changes, or your Card Account is closed, for any of the following reasons: ● You do not make at least the minimum payment on your Card Account within 60 days of the due date; ● You fail to comply with this or other agreements you have with Cardless; ● You fail to comply with the terms of the Cardholder Agreement; ● You close your account prior to payment of the annual fee; ● We believe you may be unwilling or unable to pay your debts on time; ● You file for bankruptcy; ● You use the Card Account for a suspected commercial purpose; ● We believe that you have engaged in fraudulent activity related to your Card Account or this Program; ● We believe that you have misused, in any way, the Qatar Airways Privilege Club account to which Avios are transferred under this Program; ● We believe that you have misused this Program in any way, for example by (i) by repeatedly opening or otherwise maintaining credit card accounts for the purpose of generating rewards; (ii) by manufacturing spend for the purpose of generating rewards; or (iii) by engaging in any other activity which we believe constitutes rewards abuse or gaming; ● Your Qatar Airways Privilege Club programme account is terminated by Qatar Airways Privilege Club. If your Card Account is closed for any other reason, we will transfer any Avios earned to Qatar Airways Privilege Club, as long as you do not lose them for any of the reasons described in this Agreement and your Qatar Airways Privilege Club account is active. For important information and details regarding our use and sharing of your personal information, including your ability to restrict or limit sharing of information, please refer to Cardless’s Privacy Policy available at xxx.xxxxxxxx.xxx/xxxxxxx-xxxxxx and the Cardless, Inc. Qatar Airways Privilege Club Visa Credit Card Privacy Notice available at Cardless Qatar Airways Privilege Club Visa Card Privacy Notice. You can also obtain a copy of the Cardless, Inc, Qatar Airways Privilege Club Visa Credit Card Privacy Notice by contacting Cardless at 0-000-000-0000 or xxxxxxx@xxxxxxxx.xxx.

Merchant Codes. Merchants who accept Visa cards are assigned a merchant identifier, which is determined by the merchant or its processor in accordance with Visa procedures. We use merchant identifiers for the purpose of making rewards offers to you. Purchases submitted by you, an authorized user, or the merchant through third-party payment accounts, mobile or wireless card readers, online or mobile digital wallets, or similar technology will not qualify in a rewards category if the technology is not set up to process the purchase in that rewards category. Please note that we make every effort to include all relevant merchant codes in our rewards categories. However, even though a merchant, or some of the items that it sells, may appear to fit within a rewards category, the merchant may not have a merchant code in that category. When this occurs, purchases with that merchant will not qualify for rewards for purchases in that category. Cash advances, including purchases of cash equivalents of any kind, balance transfers, convenience check amounts, purchases we believe to have been made for commercial purpose, account fees (as defined in the Cardholder Agreement), interest charges, credit insurance, gambling fees, credit protection, debt cancellation charges, and unauthorized or fraudulent transactions do not qualify as Eligible Purchases and do not earn Avios. Casino gambling chips, off-track xxxxxx, lottery tickets, and bets or xxxxxx transmitted over the internet or through a mobile application do not earn Avios. Any purchases of cryptocurrency, including bitcoins, litecoins, non-fungible tokens (NFTs), yield farming tokens, transactions on cryptocurrency exchanges, and any similar cryptocurrency-type transactions do not qualify as Eligible Purchases and will not earn any Avios. We reserve the right to determine whether a purchase is deemed a crypto-related transaction and thus not eligible to earn Avios. Eligible Purchases made on your Card Account will also allow you to earn Qpoints under the Qatar Privilege Club programme that may help you achieve or renew membership tiers as part of the Privilege Club programme. With the Qatar Airways Privilege Club Visa Infinite Signature Credit Card, 2 Qpoints are awarded for every 1,500 2,000 Avios earned from making Eligible Purchases with your Qatar Airways Privilege Club Visa Infinite Signature Credit Card. Qatar Airways maintains and administers the membership tiers and administers the Qpoints as part of the Privilege Club programme. For more details on the membership tiers associated with Qpoints and any associated expiration dates, please visit Terms and conditions | Privilege Club Programme You will not earn Qpoints based on any “bonus” Avios accrual, such as sign-up/welcome bonuses and regular promotions, including any seasonal promotional campaigns. As a Qatar Airways Privilege Club Visa Infinite Signature Credit Card cardholder, you are eligible to qualify for Privilege Club’s Gold status Silver tier for your first year of card membership. See Maintaining Status below for important information on tier status renewal. For more details on the Gold Silver membership tier and any benefits associated with this tier, such as preferred priority check-in and boarding, lounge access, and extra baggage allowance please visit Privilege Club tiers and Terms and conditions | Privilege Club Programme. Gold Silver tier status is automatically awarded to your Qatar Airways Privilege Club account, subject to above exceptions, for your first year of card membership only. After your first year of card membership, tier status renewal is governed by the renewal criteria outlined in the Qatar Airways Privilege Club programme terms and conditions and is not automatically awarded upon card Account renewal. To maintain tier status, you must meet the criteria for membership renewal as outlined in the Qatar Airways Privilege Club programme terms and conditions which may include a combination of earning the required amount of Qpoints for renewal and taking Qatar Airways flights. If you do not meet the requirements for renewals as outlined in the Qatar Airways Privilege Club programme terms and conditions, your Privilege Club tier status will be downgraded to the next lowest tier. You must have an open, active, linked, and valid Qatar Airways Privilege Club account to be credited with Xxxxx earned through this Program. Avios are earned at the close of each billing cycle, based on the Eligible Purchases made during that billing cycle, plus any bonus Avios posted during that billing cycle, but minus any returns, refunds, or disputed charges. If you have more returns or refunds than Avios earned from Eligible Purchases or bonuses, then Avios may be deducted from your total Avios balance and if a negative Avios balance results, then Avios will be subtracted from subsequent Avios earnings. Once you have a linked, valid, open, and active Privilege Club account, you will see Avios that you have earned from Card purchases on xxxxxxxx.xxx or the Cardless mobile app. Avios may display as pending until they have been transferred to Qatar Airways Privilege Club. Xxxxx earned during a billing cycle will be transferred to Qatar Airways Privilege Club no later than twelve (12) weeks following the end of each billing cycle. This Agreement governs the accumulation of Avios in connection with the use of your Card Account and is separate and in addition to the Qatar Airways Privilege Club programme rules that govern your participation in the Qatar Airways Privilege Club programme, including the rules and restrictions regarding the redemption of Avios in your Privilege Club account and the different Privilege Club programme membership tiers. The Qatar Airways Privilege Club programme rules are available online at Terms and conditions | Privilege Club Programme. Information in this Agreement that relates to the Qatar Airways Privilege Club programme may not be complete or comprehensive and does not include all of the information that you should know about the Qatar Airways Privilege Club programme. Please refer to the Qatar Airways Privilege Club programme terms and conditions for more information and details. Qatar Airways may change the Qatar Airways Privilege Club programme, including, but not limited to, rules, regulations, travel rewards and special offers, or Qatar Airways may terminate the Qatar Airways Privilege Club programme at any time with or without notice even though changes may affect the value of benefits already earned. If your membership in the Qatar Privilege Club programme is terminated for any reason by you or Qatar Airways, you will no longer be eligible to use the Avios you have earned in the Program and your Card Account may be closed by us. Our obligation concerning the award of Avios is to make a valid request to Qatar Airways Privilege Club to award Avios to your linked Qatar Airways Privilege Club account. Cardless expressly disclaims any liability or responsibility for any failure or delay by Qatar Airways Privilege Club to award or redeem Avios, Qpoints, or other benefits to or from your linked Qatar Airways Privilege Club account after Cardless has met its transfer obligations to Qatar Airways. The expiration of Avios or Qpoints earned in the Program that are transferred to your Qatar Airways Privilege Club account will be governed by the Qatar Airways Privilege Club programme terms and conditions. In the event that there is a return or refund for an Eligible Purchase, the Avios earned from that purchase will be deducted from your Qatar Privilege Club programme account. If the Avios balance in your Qatar Privilege Club programme account is insufficient to cover the deduction, Avios will be subtracted from subsequent earnings until the Avios originally credited are fully returned. Refunds and returns may cause you to drop below the threshold spending amount for signing bonus or other promotional spending campaigns and thus may result in you not receiving the welcome bonus or other promotion. For information about using your Avios, go to Xxxxxxxxxxxx.xxx or call Qatar Airways Privilege Club directly at 0-000-000-0000. We may temporarily prohibit you from earning Avios and we may not transfer to Qatar Airways Privilege Club any Avios you have already earned if you do not make at least the minimum payment on your account within thirty (30) days of the due date or if we suspect that you have engaged in fraudulent activity related to your Card Account or the Program. You can begin earning Avios again and any Avios that we have held will be transferred to Qatar Airways in the next billing cycle after your Card Account becomes current or when we no longer suspect fraud or misuse of the Card Account or this Program. We may prohibit you from earning Avios and we may not transfer to Qatar Airways Privilege Club any Avios you have already earned if we suspect that you have misused the Program in any way, for example (i) by repeatedly opening or otherwise maintaining credit card accounts for the purpose of generating rewards; (ii) by manufacturing spend for the purpose of generating rewards; or (iii) by engaging in any other activity which we believe constitutes rewards abuse or gaming. You will immediately lose all Avios that have not been transferred to Qatar Airways if your Card Account status changes, or your Card Account is closed, for any of the following reasons: ● You do not make at least the minimum payment on your Card Account within 60 30 days of the due date; ● You fail to comply with this or other agreements you have with Cardless; ● You fail to comply with the terms of the Cardholder Agreement; ● You close your account prior to payment of the annual fee; ● We believe you may be unwilling or unable to pay your debts on time; ● You file for bankruptcy; ● You use the Card Account for a suspected commercial purpose; ● We believe that you have engaged in fraudulent activity related to your Card Account or this Program; ● We believe that you have misused, in any way, the Qatar Airways Privilege Club account to which Avios are transferred under this Program; ● We believe that you have misused this Program in any way, for example by (i) by repeatedly opening or otherwise maintaining credit card accounts for the purpose of generating rewards; (ii) by manufacturing spend for the purpose of generating rewards; or (iii) by engaging in any other activity which we believe constitutes rewards abuse or gaming; ● Your Qatar Airways Privilege Club programme account is terminated by Qatar Airways Privilege Club. If your Card Account is closed for any other reason, we will transfer any Avios earned to Qatar Airways Privilege Club, as long as you do not lose them for any of the reasons described in this Agreement and your Qatar Airways Privilege Club account is active. For important information and details regarding our use and sharing of your personal information, including your ability to restrict or limit sharing of information, please refer to Cardless’s Privacy Policy available at xxx.xxxxxxxx.xxx/xxxxxxx-xxxxxx and the Cardless, Inc. Qatar Airways Privilege Club Visa Credit Card Privacy Notice available at Cardless Qatar Airways Privilege Club Visa Card Privacy Notice. You can also obtain a copy of the Cardless, Inc, Qatar Airways Privilege Club Visa Credit Card Privacy Notice by contacting Cardless at 0-000-000-0000 or xxxxxxx@xxxxxxxx.xxx.

Merchant Codes. Merchants who accept Visa cards Mastercard are assigned a merchant identifier, which is determined by the merchant or its processor in accordance with Visa Mastercard procedures. We use merchant identifiers for the purpose of making rewards offers to you. Purchases submitted by you, an authorized user, or the merchant through third-party payment accounts, mobile or wireless card readers, online or mobile digital wallets, or similar technology will not qualify in a rewards category if the technology is not set up to process the purchase in that rewards category. Please note that we make every effort to include all relevant merchant codes in our rewards categories. However, even though a merchant, or some of the items that it sells, may appear to fit within a rewards category, the merchant may not have a merchant code in that category. When this occurs, purchases with that merchant will not qualify for rewards for purchases in that category. Cash advances, including purchases of cash equivalents of any kind, balance transfers, convenience check amounts, purchases we believe to have been made for commercial purpose, account fees (as defined in the Cardholder Agreement), interest charges, credit insurance, gambling fees, credit protection, debt cancellation charges, and unauthorized or fraudulent transactions do not qualify as Eligible Purchases and do not earn AviosStatement Credits. Casino gambling chips, off-track xxxxxx, lottery tickets, and bets or xxxxxx transmitted over the internet or through a mobile application do not earn AviosStatement Credits. Any purchases of cryptocurrency, including bitcoins, litecoins, non-fungible tokens (NFTs), yield farming tokens, transactions on cryptocurrency exchanges, and any similar cryptocurrency-type transactions do not qualify as Eligible Purchases and will not earn any AviosStatement Credits. We reserve the right to determine whether a purchase is deemed a crypto-related transaction and thus not eligible to earn AviosStatement Credits. Eligible Purchases made For information about the amount of Redeemable Statement Credits available for redemption, please view your rewards balance in the Cardless mobile app or through the Cardless website. amount of the minimum payment due on your Card Account will also allow you to earn Qpoints under the Qatar Privilege Club programme at that may help you achieve or renew membership tiers as part of the Privilege Club programme. With the Qatar Airways Privilege Club Visa Infinite Credit Card, 2 Qpoints are awarded for every 1,500 Avios earned from making Eligible Purchases with your Qatar Airways Privilege Club Visa Infinite Credit Card. Qatar Airways maintains and administers the membership tiers and administers the Qpoints as part of the Privilege Club programme. For more details on the membership tiers associated with Qpoints and any associated expiration dates, please visit Terms and conditions | Privilege Club Programme You will not earn Qpoints based on any “bonus” Avios accrual, such as sign-up/welcome bonuses and regular promotions, including any seasonal promotional campaigns. As a Qatar Airways Privilege Club Visa Infinite Credit Card cardholder, you are eligible to qualify for Privilege Club’s Gold status for your first year of card membership. See Maintaining Status below for important information on status renewal. For more details on the Gold membership tier and any benefits associated with this tier, such as preferred boarding, lounge access, and extra baggage please visit Privilege Club tiers and Terms and conditions | Privilege Club Programme. Gold tier status is automatically awarded to your Qatar Airways Privilege Club account, subject to above exceptions, for your first year of card membership only. After your first year of card membership, tier status renewal is governed by the renewal criteria outlined in the Qatar Airways Privilege Club programme terms and conditions and is not automatically awarded upon card Account renewal. To maintain tier status, you must meet the criteria for membership renewal as outlined in the Qatar Airways Privilege Club programme terms and conditions which may include a combination of earning the required amount of Qpoints for renewal and taking Qatar Airways flights. If you do not meet the requirements for renewals as outlined in the Qatar Airways Privilege Club programme terms and conditions, your Privilege Club tier status will be downgraded to the next lowest tier. You must have an open, active, linked, and valid Qatar Airways Privilege Club account to be credited with Xxxxx earned through this Program. Avios are earned at the close of each billing cycle, based on the Eligible Purchases made during that billing cycle, plus any bonus Avios posted during that billing cycle, but minus any returns, refunds, or disputed charges. If you have more returns or refunds than Avios earned from Eligible Purchases or bonuses, then Avios may be deducted from your total Avios balance and if a negative Avios balance results, then Avios will be subtracted from subsequent Avios earnings. Once you have a linked, valid, open, and active Privilege Club account, you will see Avios that you have earned from Card purchases on xxxxxxxx.xxx or the Cardless mobile app. Avios may display as pending until they have been transferred to Qatar Airways Privilege Club. Xxxxx earned during a billing cycle will be transferred to Qatar Airways Privilege Club no later than twelve (12) weeks following the end of each billing cycle. This Agreement governs the accumulation of Avios in connection with the use of your Card Account and is separate and in addition to the Qatar Airways Privilege Club programme rules that govern your participation in the Qatar Airways Privilege Club programme, including the rules and restrictions regarding the redemption of Avios in your Privilege Club account and the different Privilege Club programme membership tiers. The Qatar Airways Privilege Club programme rules are available online at Terms and conditions | Privilege Club Programme. Information in this Agreement that relates to the Qatar Airways Privilege Club programme may not be complete or comprehensive and does not include all of the information that you should know about the Qatar Airways Privilege Club programme. Please refer to the Qatar Airways Privilege Club programme terms and conditions for more information and details. Qatar Airways may change the Qatar Airways Privilege Club programme, including, but not limited to, rules, regulations, travel rewards and special offers, or Qatar Airways may terminate the Qatar Airways Privilege Club programme at any time with or without notice even though changes may affect the value of benefits already earned. If your membership in the Qatar Privilege Club programme is terminated for any reason by you or Qatar Airways, you will no longer be eligible to use the Avios you have earned in the Program and your Card Account may be closed by us. Our obligation concerning the award of Avios is to make a valid request to Qatar Airways Privilege Club to award Avios to your linked Qatar Airways Privilege Club account. Cardless expressly disclaims any liability or responsibility for any failure or delay by Qatar Airways Privilege Club to award or redeem Avios, Qpoints, or other benefits to or from your linked Qatar Airways Privilege Club account after Cardless has met its transfer obligations to Qatar Airways. The expiration of Avios or Qpoints earned in the Program that are transferred to your Qatar Airways Privilege Club account will be governed by the Qatar Airways Privilege Club programme terms and conditions. In the event that there is a return or refund for an Eligible Purchase, the Avios earned from that purchase will be deducted from your Qatar Privilege Club programme account. If the Avios balance in your Qatar Privilege Club programme account is insufficient to cover the deduction, Avios will be subtracted from subsequent earnings until the Avios originally credited are fully returned. Refunds and returns may cause you to drop below the threshold spending amount for signing bonus or other promotional spending campaigns and thus may result in you not receiving the welcome bonus or other promotion. For information about using your Avios, go to Xxxxxxxxxxxx.xxx or call Qatar Airways Privilege Club directly at 0-000-000-0000. We may temporarily prohibit you from earning Avios and we may not transfer to Qatar Airways Privilege Club any Avios you have already earned if you do not make at least the minimum payment on your account within thirty (30) days of the due date or if we suspect that you have engaged in fraudulent activity related to your Card Account or the Program. You can begin earning Avios again and any Avios that we have held will be transferred to Qatar Airways in the next billing cycle after your Card Account becomes current or when we no longer suspect fraud or misuse of the Card Account or this Program. We may prohibit you from earning Avios and we may not transfer to Qatar Airways Privilege Club any Avios you have already earned if we suspect that you have misused the Program in any way, for example (i) by repeatedly opening or otherwise maintaining credit card accounts for the purpose of generating rewards; (ii) by manufacturing spend for the purpose of generating rewards; or (iii) by engaging in any other activity which we believe constitutes rewards abuse or gaming. You will immediately lose all Avios that have not been transferred to Qatar Airways if your Card Account status changes, or your Card Account is closed, for any of the following reasons: ● You do not make at least the minimum payment on your Card Account within 60 days of the due date; ● You fail to comply with this or other agreements you have with Cardless; ● You fail to comply with the terms of the Cardholder Agreement; ● You close your account prior to payment of the annual fee; ● We believe you may be unwilling or unable to pay your debts on time; ● You file for bankruptcy; ● You use the Card Account for a suspected commercial purpose; ● We believe that you have engaged in fraudulent activity related to your Card Account or this Program; ● We believe that you have misused, in any way, the Qatar Airways Privilege Club account to which Avios are transferred under this Program; ● We believe that you have misused this Program in any way, for example by (i) by repeatedly opening or otherwise maintaining credit card accounts for the purpose of generating rewards; (ii) by manufacturing spend for the purpose of generating rewards; or (iii) by engaging in any other activity which we believe constitutes rewards abuse or gaming; ● Your Qatar Airways Privilege Club programme account is terminated by Qatar Airways Privilege Club. If your Card Account is closed for any other reason, we will transfer any Avios earned to Qatar Airways Privilege Club, as long as you do not lose them for any of the reasons described in this Agreement and your Qatar Airways Privilege Club account is active. For important information and details regarding our use and sharing of your personal information, including your ability to restrict or limit sharing of information, please refer to Cardless’s Privacy Policy available at xxx.xxxxxxxx.xxx/xxxxxxx-xxxxxx and the Cardless, Inc. Qatar Airways Privilege Club Visa Credit Card Privacy Notice available at Cardless Qatar Airways Privilege Club Visa Card Privacy Notice. You can also obtain a copy of the Cardless, Inc, Qatar Airways Privilege Club Visa Credit Card Privacy Notice by contacting Cardless at 0-000-000-0000 or xxxxxxx@xxxxxxxx.xxx.

Merchant Codes. Merchants who accept Visa American Express cards are assigned a merchant identifier, which is determined by the merchant or its processor in accordance with Visa American Express procedures. We use merchant identifiers for the purpose of making rewards offers to you. Purchases submitted by you, an authorized user, or the merchant through third-party payment accounts, mobile or wireless card readers, online or mobile digital wallets, or similar technology will not qualify in a rewards category if the technology is not set up to process the purchase in that rewards category. Please note that we make every effort to include all relevant merchant codes in our rewards categories. However, even though a merchant, or some of the items that it sells, may appear to fit within a rewards category, the merchant may not have a merchant code in that category. When this occurs, purchases with that merchant will not qualify for rewards for purchases in that category. Cash advances, including purchases of cash equivalents of any kind, balance transfers, convenience check amounts, purchases we believe to have been made for commercial purpose, account fees (as defined in the Cardholder Agreement), interest charges, credit insurance, gambling fees, credit protection, debt cancellation charges, and unauthorized or fraudulent transactions do not qualify as Eligible Purchases and do not earn AviosMiles. Casino gambling chips, off-track xxxxxx, lottery tickets, and bets or xxxxxx transmitted over the internet or through a mobile application do not earn AviosMiles. Any purchases of cryptocurrency, including bitcoins, litecoins, non-fungible tokens (NFTs), yield farming tokens, transactions on cryptocurrency exchanges, and any similar cryptocurrency-type transactions do not qualify as Eligible Purchases and will not earn any AviosMiles. We reserve the right to determine whether a purchase is deemed a crypto-related transaction and thus not eligible to earn AviosMiles. As an avianca lifemiles American Express® Elite Card cardholder, you will automatically receive lifemiles Silver status. You are eligible to maintain lifemiles Silver status as long as your Card Account remains open and in good standing. lifemiles Silver status generally entitles you to receive certain benefits under the LifeMiles Program, such as preferred boarding, lounge access, seat upgrades, and airfare ticket purchase discounts. These benefits are maintained and administered by LifeMiles and/or Avianca and are subject to changes with or without notice. For more details on lifemiles Silver status and the associated benefits, please visit Avianca LifeMiles Program for more details. If you are not already an existing Silver Tier member, it will take at least 48 business hours after the opening of your Card Account before your lifemiles membership tier will be updated. Benefits associated with Silver Tier status will thus not be available until your membership tier is updated in your LifeMiles Program account. If you are an existing Elite lifemiles member with a tier equal or higher than silver, your initial earned status commencement date and expiry date will remain unchanged. As of 48 business hours after the opening of your Card account, the Silver Tier Status granted by the Card will commence and you will be awarded the corresponding benefits of the Silver Tier Status on top of the elite benefits of your preexisting Elite Tier Status that remain unused. Yearly benefits will be made available every card membership year upon payment of the annual Card membership. For more information on the yearly benefits under the lifemiles status program, please visit Avianca LifeMiles Program for more details. Eligible Purchases made on your Card Account card account will also allow you to earn Qpoints under the Qatar Privilege Club programme Qualifying Miles that may help you achieve or renew membership tiers elite categories as part of the Privilege Club programmeLifeMiles program. With the Qatar Airways Privilege Club Visa Infinite Credit Cardavianca lifemiles American Express card, 2 Qpoints are awarded cardholders earn one (1) Qualifying Miles for every 1,500 Avios two (2) LifeMiles earned from making through Eligible Purchases with your Qatar Airways Privilege Club Visa Infinite Credit Cardunder the Elite Avianca LifeMiles Program, up to the limits set in each elite category. Qatar Airways LifeMiles maintains and administers the membership tiers elite categories and administers the Qpoints Qualifying Xxxxx as part of the Privilege Club programmeElite Avianca LifeMiles Program. Cardless is not responsible for the provision of, or failure to provide, the stated benefits. For more details on the membership tiers Elite Avianca LifeMiles Program, elite categories, and the associated with Qpoints and any associated expiration datesQualifying Miles, please visit Terms and conditions | Privilege Club Programme visit: Explore our elite Avianca LifeMiles Program at xxxxxxxxx.xxx. You will not earn Qpoints Qualifying Xxxxx based on any “bonus” Avios mileage accrual, such as sign-up/welcome bonuses and regular promotions, including any seasonal promotional campaigns. As a Qatar Airways Privilege Club Visa Infinite Credit Card cardholder, you are eligible Access to qualify for Privilege Club’s Gold status for your first year of Silver Status granted through this credit card membership. See Maintaining Status below for important information on status renewal. For more details on the Gold membership tier and program does not come with any benefits associated with this tier, such as preferred boarding, lounge access, and extra baggage please visit Privilege Club tiers and Terms and conditions | Privilege Club Programme. Gold tier status is automatically awarded to your Qatar Airways Privilege Club account, subject to above exceptions, for your first year of card membership only. After your first year of card membership, tier status renewal is governed by the renewal criteria outlined in the Qatar Airways Privilege Club programme terms and conditions and is not automatically awarded upon card Account renewal. To maintain tier status, you must meet the criteria for membership renewal as outlined in the Qatar Airways Privilege Club programme terms and conditions which may include a combination of earning the required amount of Qpoints for renewal and taking Qatar Airways flights. If you do not meet the requirements for renewals as outlined in the Qatar Airways Privilege Club programme terms and conditions, your Privilege Club tier status will be downgraded to the next lowest tierQualifying Miles. You must have an open, active, linked, and valid Qatar Airways Privilege Club LifeMiles Program account to be credited with Xxxxx earned through this Program. Avios Xxxxx are earned at the close of each billing cycle, based on the Eligible Purchases made during that billing cycle, plus any bonus Avios Miles posted during that billing cycle, but minus any returns, refunds, or disputed charges. If you have more returns or refunds than Avios Xxxxx earned from Eligible Purchases or bonuses, then Avios Miles may be deducted from your total Avios lifemiles balance and if a negative Avios lifemiles balance results, then Avios Miles will be subtracted from subsequent Avios Miles earnings. Once you have a linked, valid, open, and active Privilege Club LifeMiles Program account, you will see Avios Miles that you have earned from Card purchases on xxxxxxxx.xxx or the Cardless mobile app. Avios Miles may display as pending until they have been transferred to Qatar Airways Privilege Clublifemiles. Xxxxx earned during a billing cycle will be transferred reported to Qatar Airways Privilege Club lifemiles no later than twelve eight (12) 8) weeks following the end of each billing cycle. This Agreement governs the accumulation accrual of Avios Miles in connection with the use of your Card Account and is separate and in addition to the Qatar Airways Privilege Club programme rules LifeMiles Program terms and conditions that govern your participation in the Qatar Airways Privilege Club programmeLifeMiles Program, including the rules and restrictions regarding the redemption of Avios in your Privilege Club account Miles and the different Privilege Club programme LifeMiles Program membership tiers. The Qatar Airways Privilege Club programme LifeMiles Program rules are available online at Terms and conditions | Privilege Club ProgrammeAvianca LifeMiles Program. Information Please note that information in this Agreement that relates to the Qatar Airways Privilege Club programme LifeMiles Program may not be complete or comprehensive and does not include all of the information that you should know about the Qatar Airways Privilege Club programmeLifeMiles Program. Please refer to the Qatar Airways Privilege Club programme LifeMiles Program terms and conditions for more information and details. Qatar Airways lifemiles may change the Qatar Airways Privilege Club programmeLifeMiles Program, including, but not limited to, rules, regulations, travel rewards and special offers, or Qatar Airways lifemiles may terminate the Qatar Airways Privilege Club programme LifeMiles Program at any time with or without notice even though changes may affect the value of benefits already earned. If your membership in the Qatar Privilege Club programme LifeMiles Program is terminated for any reason by you or Qatar Airwayslifemiles, you will no longer be eligible to use the Avios Miles you have earned in the Program and your Card Account may be closed by us. Our obligation concerning the award of Avios Xxxxx is to make a valid request to Qatar Airways Privilege Club lifemiles to award Avios Miles to your linked Qatar Airways Privilege Club LifeMiles Program account. Cardless expressly disclaims any liability or responsibility for any failure or delay by Qatar Airways Privilege Club lifemiles to award or redeem Avios, Qpoints, Miles or other benefits to or from your linked Qatar Airways Privilege Club LifeMiles Program account after Cardless has met its transfer obligations to Qatar Airwayslifemiles. The expiration of Avios or Qpoints Xxxxx earned in the Program that are transferred to your Qatar Airways Privilege Club LifeMiles Program account will be governed by the Qatar Airways Privilege Club programme LifeMiles Program terms and conditions. In the event that there is a return or refund for an Eligible Purchase, the Avios Miles earned from that purchase will be deducted from your Qatar Privilege Club programme LifeMiles Program account. If the Avios Miles balance in your Qatar Privilege Club programme LifeMiles Program account is insufficient to cover the deduction, Avios Xxxxx will be subtracted from subsequent earnings until the Avios Miles originally credited are fully returned. Refunds and returns may cause you to drop below the threshold spending amount for signing bonus or other promotional spending campaigns and thus may result in you not receiving the welcome bonus or other promotion. As an avianca lifemiles American Express® Elite Card cardholder, you also receive complimentary Lite membership to lifemiles+. You are eligible to maintain your Lite lifemiles+ membership as long as your Card Account remains open and in good standing. lifemiles+ membership generally entitles you to receive certain enhanced benefits that are made available to lifemiles+ members, such as certain discounts on Avianca and Air partners enhanced earning rates. These benefits are maintained and administered by lifemiles. For more details on lifemiles+, please visit xxxxxxxxx.xxx/xxxxxxx/xxxxxxxxx+ for more details. As a member of lifemiles + Lite, one of the benefits you are entitled to is a double miles credit each statement cycle up to a maximum of 1,000 miles for each statement cycle. lifemiles is responsible for crediting your LifeMiles Program account with the double miles at the end of each statement cycle. For information about using your AviosMiles, go to Xxxxxxxxxxxx.xxx xxxxxxxxx.xxx or call Qatar Airways Privilege Club lifemiles directly at 0-000-000-0000. We may temporarily prohibit you from earning Avios and we may not transfer to Qatar Airways Privilege Club any Avios you have already earned if you do not make at least the minimum payment on your account within thirty (30) days of the due date or if we suspect that you have engaged in fraudulent activity related to your Card Account or the Program. You can begin earning Avios again and any Avios that we have held will be transferred to Qatar Airways in the next billing cycle after your Card Account becomes current or when we no longer suspect fraud or misuse of the Card Account or this Program. We may prohibit you from earning Avios and we may not transfer to Qatar Airways Privilege Club any Avios you have already earned if we suspect that you have misused the Program in any way, for example (i) by repeatedly opening or otherwise maintaining credit card accounts for the purpose of generating rewards; (ii) by manufacturing spend for the purpose of generating rewards; or (iii) by engaging in any other activity which we believe constitutes rewards abuse or gaming. You will immediately lose all Avios that have not been transferred to Qatar Airways if your Card Account status changes, or your Card Account is closed, for any of the following reasons: ● You do not make at least the minimum payment on your Card Account within 60 days of the due date; ● You fail to comply with this or other agreements you have with Cardless; ● You fail to comply with the terms of the Cardholder Agreement; ● You close your account prior to payment of the annual fee; ● We believe you may be unwilling or unable to pay your debts on time; ● You file for bankruptcy; ● You use the Card Account for a suspected commercial purpose; ● We believe that you have engaged in fraudulent activity related to your Card Account or this Program; ● We believe that you have misused, in any way, the Qatar Airways Privilege Club account to which Avios are transferred under this Program; ● We believe that you have misused this Program in any way, for example by (i) by repeatedly opening or otherwise maintaining credit card accounts for the purpose of generating rewards; (ii) by manufacturing spend for the purpose of generating rewards; or (iii) by engaging in any other activity which we believe constitutes rewards abuse or gaming; ● Your Qatar Airways Privilege Club programme account is terminated by Qatar Airways Privilege Club. If your Card Account is closed for any other reason, we will transfer any Avios earned to Qatar Airways Privilege Club, as long as you do not lose them for any of the reasons described in this Agreement and your Qatar Airways Privilege Club account is active. For important information and details regarding our use and sharing of your personal information, including your ability to restrict or limit sharing of information, please refer to Cardless’s Privacy Policy available at xxx.xxxxxxxx.xxx/xxxxxxx-xxxxxx and the Cardless, Inc. Qatar Airways Privilege Club Visa Credit Card Privacy Notice available at Cardless Qatar Airways Privilege Club Visa Card Privacy Notice. You can also obtain a copy of the Cardless, Inc, Qatar Airways Privilege Club Visa Credit Card Privacy Notice by contacting Cardless at 0-000-000-0000 or xxxxxxx@xxxxxxxx.xxx.