JOIN LOYALTY PROGRAM CCB Club

GENERAL TERMS AND CONDITIONS

For participation in the Loyalty Program “CCB CLUB”

 

1. The present general terms and conditions settle the relationships, which occur with regard to the participation in the Loyalty program “CCB Club” (the Program) between the clients, on the one hand, Central Cooperative Bank Plc (the Bank) on the other hand and the merchants, participating in the Program (the Merchants) as the third party.

 

2. “CCB Club” is a system, via which the clients of the Program collect points and receive their equivalent in goods and services from the merchants that also participate in the Program. The collection of points by the client is performed upon purchases by him/her at the traders’ shops and/or via transfer of club points from the traders’ loyalty programs to the Program.

 

3. The right to participate in the Program belongs to physical and juridical persons (Clients). To persons with sole trader status are applied clauses, which concern the Clients–juridical persons.


4. The right to collect points in the Program belongs to individuals (clients), who comply with certain minimum criteria, determined by the Bank. The information about the requirements to collect and use points and the minimum criteria for the clients has been specified at www.ccb-club.bg and in a special brochure, distributed in the offices of CCB Plc and the traders’ shops.

 

5. The Bank issues to Clients, registered in the Program, club cards as follows:


5.1. For a Client–physical person – a personal card with unique number and PIN. The Client and the Cardholder should be the same person. On the card are written in Latin the names of the Client/Cardholder.


5.2. For a Client-juridical person – a Client-juridical person may have more than one club card at the same time. All the cards of the Client-juridical person are issued under his account in the loyalty program. Cardholders of club cards under the account of the Client-juridical person can be physical persons, indicated in written by the legal representatives of the Client-juridical person or by authorized persons for disposition with accounts of the Client in CCB Plc. Each card of Cardholder to Client-juridical person is with unique number and PIN, with written in Latin names of the Cardholder and the Client-juridical person.


6. The Bank has the right to determine maximum number of Cardholders to each Client-juridical person.


7. The Bank issues to Clients registered club cards “CCB Club” with a unique number and PIN. The club card is not a bank card and is not related to the bank account. The Bank issues club cards only to individuals, having legal control over their affairs.

 

8. The club card is issued at the request of the client or at the initiative of the Bank and is received personally by the Client at an office of the Bank. For the Clients-juridical persons is admissible the obtaining of the club cards to be performed also by the legal representatives of the Client or by authorized persons for disposition with accounts of the Client in CCB Plc. Upon a submitted request by the client, the card is issued within 15 working days from submission of the request. The cards, issued by the Bank, remain its property, whereas they are provided for use by the Clients. The receipt of the card by the Client is made only after the client has opened a personal current or deposit account with the Bank. The receipt of the card is not a sufficient requirement for the collection of points under the Program – the Client should comply with the conditions under point 4.

 

9. The card is valid for a term of 3 years, after which it can be renewed.

 

10. The issuance of a club card is free of charge for all clients.

 

11. The cards are intended for use at the shops of the merchants, included in the Program. Upon the performance of a purchase at a merchant, the Client-physical person identifies himself/herself as a client under the Program with his/her card “CCB Club”. The identification of Client-juridical person is performed through a club card of a Cardholder.

 

12. Each merchant accrues points in favour of the clients upon their purchases in its merchant shops and/or gives them the possibility to transfer club points from the traders’ loyalty programs to the Program. Upon the purchase of goods and services from a merchant, participating in the Program, it gives the Client a rebate, which consists of accruing a certain number of bonus points on the price, paid by the Client with money (without the use of bonus points). The conditions for the receipt and the amount of the rebate, which a certain merchant provides to clients in the form of bonus points, are determined individually by each merchant and are announced at the Program web site and in a special brochure, distributed in the offices of CCB Plc and the traders’ shops. In an analogous manner the merchant announces the conditions for the transfer of club points from its loyalty programs to the Program,as well as if the merchant offers discounts only to Clients-physical persons, only to Clients-juridical persons or both to Clients-physical persons and Clients-juridical persons.

 

13. The accrual of points is made, after the holder of the club card presents it at the cashiers of the respective merchant, before the performance of the purchase of goods or services. Without the presentation of the club card points cannot accrue, with the exception of the cases of purchases on the Internet, when the client has to specify the number of his/her card at the purchase.

 

14. The bonus points, provided to the Client by all merchants, participating in the Program, are accumulated to his/her club card. The bonus points, gathered by the Client, may be used for payment upon the purchase of goods and services at any merchant, participating in the Program.

 

15. The value of one bonus point is equal to one stotinka.

 

16. The client receives bonus points upon a purchase from the merchants, participating in the Program, regardless of the way of payment of the purchase – cash or with a debit or credit card, issued by CCB Plc. New points do not accrue for purchases, which are paid with the use of bonus points, collected by the Client.

 

17. Each merchant is entitled to:


17.1. Determine the maximum number of points, which the client may collect from the purchase of goods and services at the merchant within one calendar year.


17.2. Determine the maximum number of purchases of goods and services from the Merchant, where the Client receives points within one calendar year.


17.3. Refuse the accrual of points for a purchase, which is not paid by the client, regardless of the reasons for that.

 

18. The club card is registered and cannot be issued in the name of another person, but can be provided for use by a third person for the collection of bonus points upon purchases at merchants. The merchants reserve the right to impose limits in this regard.

 

19. Each merchant, participating in the Program, determines its shops where one can buy with points.

 

20. The term for the accrual of points, concerning performed purchases of goods and services, is determined by the conditions of the specific merchant, where the purchase was made.

 

21. Upon a refusal of a client to buy at a merchant, where points were accrued, deduction of the accrued points is mad.

 

22. Using the card, the Client is entitled to make purchases with the use of bonus points up to the amount of the points, collected by him/her;

 

23. The purchase with the use of the collected by the Client bonus points is made only personally by the holder of the personal club card. The client may pay entirely or partially the amount due upon the purchase, using his /her accrued points. Payments with less than 500 bonus points are not allowed.

 

24. Each Client-juridical person is entitled to determine which ones of the Cardholders to which are issued club cards under his registration in the Program are allowed to pay with points at the merchants.

 

25. Depending on the technical conditions, offered by the merchant, the Client can make purchases with the use of the bonus points, collected by him/her in the following ways:


25.1. The Client uses his/her club card at POS, entering the PIN of his/her card. The merchant is entitled to request from the Client to identify himself/herself.


25.2. The Client makes the purchase, identifying himself/herself, checks and signs the “Form for purchase with the use of bonus points”, provided by the employee;.

 

26. Payment of cash against bonus points is not allowed.

 

27. The Bank is entitled to organize promotional campaigns, within which to provide additional bonus points to its loyal clients. The Bank is entitled to send SMS and e-mail notifications to the clients with information about promotions, provided by the Bank and/or the merchants.

 

28. In case there is not explicit acceptance, it is considered that the Client has accepted the General terms and conditions with the first use of his/her club card, respectively the Client-juridical person has accepted the General Conditions with the first use of any club card, issued in relation to his registration in the Program.

 

29. Upon a registration of a Client to participate in the Program, together with his/her club card, the Client receives an initial password for access to the Program web site, where a report can be made about the bonus points, collected and used by him/her. The client may change his/her password for access at any time.

 

30. The Client may receive a report about the bonus point, collected and used by him/her, at the Program web site and in each office of the Bank. The report contains data, allowing an identification of the purchases, respectively the accumulated and/or used points upon each of the purchases.

 

31. The Bank is entitled to provide information on the phone about the performed operations, associated with points accrual and purchases with points, as well as about the point of the Client available at the moment, after comparing the data, specified by the Client with regard to his/her registration in the Program.

 

32. The Client may use the points, accumulated during a given calendar year, as late as the end of the second calendar year, following the year of the points accrual. Otherwise the Client loses these points.

 

33. The client shall keep secret his/her PIN. An exception from this rule is not allowed. It is recommended that the client changes his/her PIN at an ATM immediately after receiving the card.

 

34. The client is not entitled to argue the purchase with points from the club card, made with the entry of a PIN.

 

35. The client shall inform immediately the Bank after learning about a loss, theft or deprivation in any other way of his/her club card.

 

36. In case the client argues the amount of the calculated points or the lack of accrual of points, as a result of the purchase of goods and/or services at the merchants, the Bank shall request additional information from the Merchants. Based on the received information, the Bank takes a decision whether the arguing of the Client is reasonable. The decision of the Bank is final. An analogous procedure is applied in the cases of Client’s arguing of purchases with the use of points, made without the entry of PIN.

 

37. In case of a lost, stolen, destroyed, damaged card, or forgotten PIN, in the period from the destruction, damage of the card, no possibility to use the PIN, or informing the Bank about losing or theft of the card till the receipt of the newly issued card, the collection and use of bonus points is not possible.

 

38. Upon any abuses with the club card by the Client, the accumulated bonus points for the respective purchases are cancelled. The Bank is entitled to terminate the participation of this client in the Program.

 

39. In case the Client has overdue amounts associated with credit products or other liabilities to the Bank or a merchant, the Bank is entitled temporarily to restrict or terminate his/her participation in the Program.

 

40. A termination of the participation of the client in the program is made in the cases, when the client closes all his/her current and deposit accounts with the Bank or the Client submits at an office of the Bank an explicit written request. Upon a termination of the participation of the client in the Program, regardless of the reasons for that, the Client loses the accumulated points.

 

41. The Bank makes a periodic verification of the exposure of clients at the Bank. In case a client, participating in the program, does not comply with the minimum criteria for gathering points any more, he/she can use his/her points gather till that moment, but cannot gather new points. The Bank makes every month a revaluation of the exposure of clients, whereas upon performance of the minimum criteria the client can again gather points.

 

42. The present general terms and conditions may be amended and supplemented by the Bank, without any notification. The clients are informed about the change via placing a dated written notification in the bank rooms and on the web site of the Program. The changes enter into force from the date of their announcement.

 

43. The Bank and the Merchants, participating in the Program, are entitled to terminate the effectiveness of the Program, informing the clients about that at least 30 (thirty) days before the date of termination. Till the termination date, the clients are entitled to use the accumulated points for purchases at the merchants. After expiry of this term they lose the accumulated points under the program.

 

44. Each of the merchants is entitled to terminate its participation in the program, informing in advance the Bank and the clients about that at least 30 (thirty) days before the termination date. Till the termination date, the clients are entitled to use points upon purchases at these merchants.


45. The notifications under the previous two pints are made at the web site of the Program and/or via placing a dated notification in the bank rooms.

 

46. The client shall inform the Bank upon a change in the data, submitted by him/her upon his/her registration to participate in the Program. If the client does not inform the Bank about a change in his/her address, including his/her e-mail, the notifications are sent to the address, specified in the application, regardless of the address change.

 

47. By using “CCB Club” club card, the client declares that:


47.1. The Bank informed him/her about his/her rights under the Personal Data Protection Act /PDPA / and provided to him/her the information according to Art. 19, para. 1 of the Personal Data Protection Act;


47.2. He /she consents the Bank and the merchants to process his/her personal data, provided in keeping with the law, by him/her and third persons.

 

48. The Bank does not bear responsibility about non-performance of the program or errors in the performance of the program, due to force major circumstances and faults in the servicing machines, which were not due to the Bank.

 

49. The Bank is not responsible for the quality and term for the delivery of the goods and services by the merchants.

 

50. The Bank does not bear responsibility upon a change in the conditions for the collection and use of points, applied by the merchants with regard to the clients.

 

51. The Bank reserves the right to refuse a card issuance to a client, without informing him/her about the reasons for that.

 

52. The Bank does not bear responsibility for the transactions, for which the Client receives points or makes purchases with points.

 

53. The Bank is not responsible upon a refusal of the merchants to accept transactions with the club card or if an operation, initiated by the client, cannot be performed with the card due to reasons, beyond the control of the Bank.

 

54. The client authorizes the Bank to inform the merchants about the movements and the available points on the card.