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TERMS AND CONDITIONS

 

Last Updated: July 15th, 2025

 

“RBN LLC (“RBN,” “Company,” “we,” “us,” or “our”) operates a reward network and technology platform (the “Platform”) that connects eligible consumers, known as “Members,” with top-performing professionals, referred to as “Service Providers.” Members earn rewards for purchasing products and services through participating Service Providers and can redeem these rewards for travel and other valuable experiences. Together, the Platform’s features and functionality are known as the “Service.”

Throughout this agreement, “Users” refers collectively to both Members and Service Providers.

 

PLEASE READ THE TERMS AND CONDITIONS CAREFULLY. BY ACCESSING OR USING ANY PART OF THE SERVICE, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTAND, AND AGREE TO BE BOUND BY ALL THE TERMS OF THE TERMS AND CONDITIONS. IF YOU DO NOT AGREE TO THESE TERMS AND CONDITIONS, EXIT THIS PAGE AND DO NOT ACCESS OR USE THE SERVICE. USE OF THE SERVICE IS EXPRESSLY CONDITIONED UPON YOUR ACCEPTANCE OF THE TERMS AND CONDITIONS.

 

Updates to Terms and Conditions

We may, at our discretion, modify these Terms and Conditions by sending you an email notification or posting a notice within the Service. The “Last Updated” date at the top of these Terms and Conditions reflects the most recent changes. By continuing to use the Service, you agree to any modifications.

It is your responsibility to review the Terms and Conditions periodically. We encourage you to check the “Last Updated” date for the latest version.

Additionally, when using specific RBN services or features, you may be subject to any applicable guidelines or policies, including our Privacy Policy, which are hereby incorporated into these Terms and Conditions by reference.”

Service Availability

 

The RBN Service may be modified, updated, interrupted, suspended or discontinued at any time without notice or liability. If the Service were discontinued at any time, all data would be deleted within a commercially reasonable time;

Site Terms 

 

By visiting or using this Site, you accept these Terms and Conditions, without modification, which include the RBN Privacy Policy and Agent Participation Agreement (collectively with this Terms and Conditions the “Site Terms”) for the purposes intended by this Site and permitted under law. Continued use of this Site constitutes your acceptance of any revisions to these Site Terms and serves as the “Agreement” between you and RBN regarding the Services;

Age

 

The Service is meant for those at least eighteen (18) years of age. Use of the Service by anyone under this age is a violation of the Terms and Conditions.;

 

Definitions

  • Agent(s), Participant(s), RBN Participating Agent(s), Professional(s), and Service Provider(s): Licensed professionals who connect with RBN Members to provide real estate services. These Service Providers are independent contractors and operate at their own risk. Nothing in these Terms creates an employer/employee, principal/agent, partnership, or joint venture relationship between the parties.
    • Broker, Brokerage: An individual licensed by a state-authorized agency to act as a supervising broker for a real estate firm or a legally recognized business entity engaged in real estate brokerage. Brokers may also be referred to as employing, designated, supervising, qualifying, principal, broker-in-charge, or appointed brokers.
  • Loyalty Provider(s): Companies or entities participating in RBN’s reward program that enable Members to redeem RBN Reward Points for various experiences, including travel. The availability of participating Loyalty Providers and rewards is subject to change.
  • Member(s), Membership: Individuals approved to earn RBN Reward Points by buying or selling a home with an RBN Participating Agent. Membership does not convey any legal ownership or eligibility rights.
  • Member Connection, Referral: The sharing of Member information with licensed professionals to facilitate an agent/client introduction with the intent to complete areal estate transaction.
  • Member Connection Expense, Referral Fee: A payment from the professional(s) involved in a transaction after a Referral results in a closed transaction. RBN must receive this payment before RBN Rewards are issued.
  • RBN Rewards, RBN Reward Points, Reward Points, Rewards: Points earned by Members for eligible real estate transactions. Rewards are redeemable through participating Loyalty Providers. RBN Rewards are not available in all markets, may be subject to lender approval, hold no monetary value, and cannot be exchanged for cash. 
  • Service(s): The services RBN provides to connect eligible Members with Service Providers, enabling them to earn RBN Reward Points for real estate and other qualified transactions. These services are offered in collaboration with licensed real estate Brokers and participating Loyalty Providers.
  • Site(s): Any website, mobile app, or digital platform where RBN has an established presence.
  • Transaction: The closing and transfer of real property by a Member, either as a buyer or seller.
  • User: Any individual or entity accessing or using the Site, including Members and Service Providers.



RBN Rewards Program

 

Reward Points Expiration and Value
RBN Rewards Points (“Points”) earned through the RBN platform expire three (3) years from the date of issuance unless RBN, at its sole discretion, extends this period after a customer request. Points hold no monetary value, cannot be exchanged for cash, and are non-transferable. Points cannot be inherited, assigned in bankruptcy, or included in divorce settlements. Members are encouraged to consult a tax advisor regarding the potential tax implications of Points earned through RBN.

Modification of Terms
RBN reserves the right to modify or cancel any terms of the Rewards Program at any time. This includes but is not limited to:

  • Adjusting the number of Points earned for specific transactions
  • Adjusting the redemption rate of Points
  • Imposing caps or fees on earning and redeeming Points
  • Increasing existing fees
  • The Company may adjust available rewards options
  • In exceptional circumstances, the Company reserves the right to cancel specific rewards and/or terminate the entire Rewards Program.

 

In the event of the cancellation of the Rewards Program, the Company shall provide participants with a minimum of ninety (90) days’ advance notice. During this notification period, participants will retain the ability to earn and redeem points within the existing framework of the Program. However, it is acknowledged that the Company may modify or discontinue specific rewards during this transition period;

Boutique Travel Advisors (BTA), RBN Luxury Travel Advisors

Boutique Travel Advisors LLC (“BTA”), also known as RBN Luxury Travel Advisors, is a Participating Loyalty Provider for the RBN Rewards Program. BTA is located at 7702 E Doubletree Ranch Rd, Suite 300, Scottsdale, AZ 85258. BTA offers luxury travel advisory and booking services (“BTA Services”) to RBN Members. 

 

Members can utilize their RBN Rewards to access enhanced benefits through BTA. When Members use their RBN Rewards balance for BTA Services, no additional financial obligation will be imposed. However, if Members opt for services that exceed their available RBN Rewards balance, direct payment for the extra services will be required.

 

BTA will display the cost of prospective and confirmed travel services in terms of “RBN Rewards.” In circumstances where RBN Members maintain insufficient “RBN Rewards” balances, alternative redemption options may be presented, subject to specific conditions and mutual concurrence between RBN and BTA;

 

RBN Members in possession of an “RBN Rewards” balance shall be considered eligible beneficiaries of BTA’s services under these terms and conditions and BTA’s terms and conditions. 

RBN Travel Powered by Switchfly
RBN online travel bookings are provided by Switchfly and are subject to Switchfly’s Terms and Conditions, available here.

RBN Special Request Redemptions
Members may request Special Redemptions of Points for products or services offered by third-party vendors. Such redemptions are subject to the following terms, as outlined in a required hold harmless agreement:

  1. Purpose: RBN LLC facilitates the transaction with third-party vendors but does not endorse or control the vendor’s quality, service, or goods.
  2. Vendor Disclaimer: RBN LLC does not perform background checks, licensing verification, or due diligence on third-party vendors. RBN LLC makes no representations about a vendor’s qualifications, licensing, or industry compliance. Members engage with vendors at their own discretion and risk.
  3. Acknowledgment of Risk: Members acknowledge that transactions with third-party vendors may involve risks, including poor service, substandard quality, delays, safety issues, or financial loss. RBN LLC does not guarantee the performance or quality of vendor products or services, and all vendor transactions are at the Member’s risk.
  4. Release and Indemnity: Members agree to indemnify, hold harmless, and release RBN LLC, including its officers, directors, agents, and employees, from any claims, damages, liabilities, or expenses arising from vendor transactions using Points, including any loss, damage, or dissatisfaction.
  5. No Warranty: RBN LLC makes no warranties, expressed or implied, regarding goods or services obtained through Points redemptions with third-party vendors.

 

Virgin Transfer Program (Transfer Terms)

Please be aware of the following key terms and conditions:

  • These terms apply to RBN members who elect to transfer RBN Reward Points to either the Virgin Atlantic Flying Club or Virgin Red programs. All other provisions of the RBN Terms and Conditions remain in full force and effect.
  • To transfer points, you must first log into your RBN Rewards account and select Virgin Atlantic Flying Club or Virgin Red from your Member Dashboard. Then you must link your Virgin Atlantic Flying Club account or your Virgin Red account to your RBN Rewards account.
  • To initiate a transfer, RBN members must have an active RBN account and an active account with either Virgin Atlantic Flying Club or Virgin Red. Transfers are processed through RBN’s third-party provider, Points.com.
  • Transfers must be made in increments of 50,000 RBN Reward Points. The minimum transfer amount is 50,000 points.
  • All transfers are final once submitted. RBN cannot reverse, cancel, or modify a transfer request once it has been initiated. Likewise, they cannot be transferred back to your RBN Rewards account by Virgin Red or Virgin Atlantic Flying Club.
  • Transfers are normally immediate, but please allow up to 72 hours to reflect in your Virgin Red or Virgin Atlantic Flying Club account.
  • RBN reserves the right to pause, suspend, limit, or revoke transfer functionality at any time, with or without notice. This may be done for fraud prevention, technical issues, or other business reasons
  • Once you have transferred your RBN Rewards Points, they become subject to the Virgin Red or the Virgin Atlantic Flying Club program terms, as applicable.
  • Enrolment in Virgin Atlantic Flying Club is required to transfer Virgin Points to Virgin Atlantic Flying Club and use them for reward flights.
  • Reward seat prices vary according to demand, choice of cabin, departure airport, destination and date(s) of travel and will be displayed at the time of booking. It is recommended that you check availability before transferring points.
  • All reward flight bookings are subject to Virgin Atlantic Flying Club program terms.
  • Taxes, fees and surcharges, including airline surcharges, apply on all Virgin Atlantic reward flights and upgrades.
  • The eligible account holder’s name must be identical for both the RBN and Virgin Red or Virgin Atlantic Flying Club accounts. Mismatched details may cause transfer failures or delays.
  • Please note that no booking or redemption can be made until the Virgin Points are credited to your Flying Club account or your Virgin Red account, as applicable. 
  • If there is any conflict between these terms and the RBN Terms and Conditions, these terms will govern to the extent it relates to point transfers to Virgin Red or Virgin Atlantic Flying Club.

 

Use of the Company Service; Users

  • You may be required to establish an account to use the Service and/or take advantage of certain features. If so, you agree:
  • to provide true, accurate, current, and complete information about yourself as prompted by the Service;
  • as permitted, maintain and promptly update such information. If you provide any information that is false, inaccurate, or outdated, or the Company has reasonable grounds to suspect that such information is false, inaccurate, or outdated, the Company has the right to suspend or terminate your account and prohibit all current or future use of the Service by you;
  • that your account is for your personal and/or business use. You may not resell, transfer or assign the Service;
  • that by creating an account, you agree to receive certain communications in connection with the Service, including but not limited to recorded or automated calls and SMS text messages;
  • You are responsible for maintaining the confidentiality of the password and account and are fully responsible for all activities that occur under your account. Your account is meant to be private and you shall not share accounts for any reason. You agree to immediately notify us of any unauthorized use of your password or account or any other breach of security. You agree to be responsible for all charges resulting from the use of your account via the Service, including charges resulting from unauthorized use of your account;
  • You may not impersonate someone else, create or use an account for anyone other than yourself, provide an email address other than your own, or create multiple accounts. If you use a pseudonym, take care to note that others may still be able to identify you if, for example, you include identifying information in your reviews, use the same account information on other sites, or allow other sites to share information about you with the Service;
  • You agree to use the Service only for lawful purposes and that you are responsible for your use of and communications and content you may post via the Service. You agree not to post or transmit any unlawful, infringing, threatening, harassing, defamatory, vulgar, obscene, profane, indecent, offensive, hateful or otherwise objectionable material of any kind, including any material that encourages criminal conduct or conduct that would give rise to civil liability, infringes upon others’ intellectual property rights, impersonates any individual or entity, or otherwise violates any applicable law. You agree not to solicit personal information from minors. You agree not to use the Service in any manner that interferes with its normal operation or with any other User’s use of the Service.
  • You may not do any of the following while accessing or using the Service:
    • access, tamper with, or use non-public areas of the Service, our computer systems, or the technical delivery systems of our providers;
    • probe, scan, or test the vulnerability of any system or network or breach or circumvent any security or authentication measures;
    • access or search or attempt to access or search the Service by any means other than through our currently available, published interfaces that are provided by us, unless you have been specifically allowed to do so in a separate agreement with us;
    • forge any TCP/IP packet header or any part of the header information in any email or posting, or in any way use the Service to send altered, deceptive or false source-identifying information; or
    • disrupt or interfere with the access of any user, host or network, including, without limitation, sending a virus, overloading, flooding, spamming, mail-bombing the Service, or otherwise creating an undue burden on the Service;
    • Use manual or automated software, devices, or other processes to “crawl,” “scrape,” or “spider” any page of the Service. You will not decompile, reverse engineer, or otherwise attempt to obtain the source code of any part of the Service;
    • access the Service by any means except through the interface provided by the Company for access to the Service. Creating or maintaining any link from another application to any page at the Service without the prior authorization of the Company is prohibited. Running or displaying the Service, or any information or material displayed via the Service in frames or through similar means on another website or application without the prior authorization of the Company is prohibited. Any permitted links to the Service must comply with all applicable laws, rules and regulations;
    • Your use of the Service is at your own risk, including the risk that you might be exposed to Content that is offensive, indecent, inaccurate, objectionable, or otherwise inappropriate.
  • Furthermore, you herein agree not to make use of the Service for:
  • uploading, posting, emailing, transmitting, or otherwise making available any content that shall be deemed unlawful, harmful, threatening, abusive, harassing, tortious, vulgar, obscene, libelous, or invasive of another’s privacy or which is hateful and/or racially, ethnically, or otherwise objectionable;
  • causing harm to minors in any manner whatsoever;
  • impersonating any individual or entity, including, but not limited to, any Company, forum leaders, guides, or hosts or falsely stating or otherwise misrepresenting any affiliation with an individual or entity;
  • forging captions, headings, or titles or otherwise offering any content that you personally have no right to pursuant to any law nor having any contractual or fiduciary relationship with;
  • uploading, posting, emailing, transmitting, or otherwise offering any such content that may infringe upon any patent, copyright, trademark, or any other proprietary or intellectual rights of any other party;
  • uploading, posting, emailing, transmitting, or otherwise offering any content that you do not personally have any right to offer pursuant to any law or in accordance with any contractual or fiduciary relationship;
  • uploading, posting, emailing, transmitting, or otherwise offering any unsolicited or unauthorized advertising, promotional flyers, “junk mail,” “spam,” or any other form of solicitation, except in any such areas that may have been designated for such purpose;
  • uploading, posting, emailing, transmitting, or otherwise offering any source that may contain a software virus or other computer code, any files and/or programs which have been designed to interfere, destroy and/or limit the operation of any computer software, hardware, or telecommunication equipment;
  • disrupting the normal flow of communication or otherwise acting in any manner that would negatively affect other users’ ability to participate in any real-time interactions;
  • interfering with or disrupting any of the Service, servers, and/or networks that may be connected or related to our website, including, but not limited to, the use of any software and/or routine to bypass the robot exclusion headers;
  • intentionally or unintentionally violating any local, state, federal, national or international law, including, but not limited to, rules, guidelines, and/or regulations decreed by the Securities and Exchange Commission, in addition to any rules of any nation or other securities exchange, that would include without limitation, the New York Stock Exchange, the American Stock Exchange, or the NASDAQ, and any regulations having the force of law;
  • providing informational support or resources, concealing and/or disguising the character, location, and or source to any organization delegated by the United States government as a “foreign terrorist organization” in accordance to Section 219 of the Nationality Act;

 

Use of the Company Service; Members

Third-Party Websites.

  • Links provided via the Service to Service Providers, Loyalty Programs or other websites (“Third-Party Websites) are provided only as a convenience. If you use links to such Third-Party Websites, you may leave the Service. Company does not control nor endorse any Third-Party Websites. You agree that the Company will not be responsible or liable for any content, goods or services provided via Third-Party Websites or for your use or inability to use such Third-Party Websites. You will use Third-Party Website links at your own risk. You are advised that other websites on the Internet, including Third-Party Websites linked from the Service, might contain material or information that some people may find offensive or inappropriate; that is inaccurate, untrue, misleading or deceptive; or that is defamatory, libelous, infringing of others’ rights or otherwise unlawful. Company expressly disclaims any responsibility for the content, legality, decency or accuracy of any information and for any products and services that appear on any Third-Party Website or in advertisements or content that Third-Party Websites may have displayed in the Service;
  • You understand that for our services Company may receive payment that may be a flat fee and/or a percentage of the commission received by the Service Provider involved. Your use of our services constitutes your acknowledgment and agreement of, and agreement to, this compensation arrangement. This compensation must be verified and received prior to the issuance of rewards. Verification of the compensation may be required from documents, such as your property settlement statement, obtained from your participating agent;
  • You may initiate or receive a call from an RBN representative or one of our participating Service Providers via one of RBN’s tracked phone numbers. If you do so, RBN may create a digital audio recording of the call. You acknowledge and agree that your phone calls may be recorded for quality assurance purposes only;
  • You understand that your personal due diligence is required in selecting Participating Agents and other Service Providers;
  • You acknowledge that posted Agent reviews and ratings might not reflect the actual quality of service that you receive from participating real estate professionals, lenders, or other Service Providers;
  • RBN disclaims any liability arising from and the accuracy of any user rating or review;
  • Your participation with RBN is voluntary and can be terminated at any time with written notice by either you or RBN. In the event of termination, Member benefits, including rewards, will be forfeited at the time of termination;

 

Dealings with Service Providers

  • You understand that RBN respects existing contractual obligations between agents and their clients. If you are currently working with or contractually obligated to work with an existing agent, you may not be eligible to earn RBN Rewards;
  • You understand that while RBN may connect you with Service Providers, i.e., real estate Brokerages, RBN does not perform real estate brokerage services, mortgage services or any other real estate transaction services (“Real Estate Related Services”). Any Real Estate estate-related services are performed by local Service Providers that you have been connected to through the RBN Dashboard. We do not endorse, recommend or otherwise know the terms of any agreement between you and a Service Provider;
  • The company provides Customers with the means to contact Service Providers. Service Providers receive requests via the Service from Customers seeking information about services, pricing, and other matters (“Service Requests”). By providing your information to us, you authorize us to share this information with participating Service Providers and consent to be contacted by us and the Service Providers via phone, email, mail, text, or other reasonable means. You hereby consent to any such calls to your landline and/or your cell phone, even if your phone number is on any Do Not Call list;
  • Your interactions with Service Providers found on or through the Service, including payment and delivery of goods or services, and any other terms, conditions, warranties, or representations associated with such dealings, are solely between you and such parties. You \acknowledge that the Company makes no representations, endorsements, recommendations, and/or warranties as to the products or services of any particular Service Provider. You agree and acknowledge that the Company is not a party to any transactions you may enter into. Company shall not, under any circumstances, be liable for any damages of any kind arising out of, or in connection with, or relating to, the products and services of a Service Provider;

 

Use of the Company Services; Service Providers

  • You are a real estate services provider such as a real estate agent, Broker, or lender with a current and valid license, of legal age, and capable of forming a legally binding contract;
  • All information you submit to RBN is true and complete and you will maintain and promptly update your profile or other information supplied to RBN;
  • You grant RBN permission to display on our Site and elsewhere information that we have gathered or you have supplied related to any of the Real Estate Related Services that you have handled or are currently handling as a Service Provider. This information helps RBN Members better understand your specialties as well as granting us permission to display your profile (including your name, likeness, contact information and transaction details), your active listings and such other information as may be supplied by you on or from our Site and other such Service Provider and affiliate websites as we believe advisable for marketing purposes;
  • You acknowledge that you have obtained your Broker’s permission to use RBN’s service if you are required to work or be employed under a Broker;
  • You are not permitted to register or represent yourself as a prospective buyer or seller, even if your intention is to buy or sell property;
  • You will not use the information and details obtained through RBN to locate, identify, or directly contact a home buyer or seller in any manner for the purpose of circumventing the Services;
  • You have and will comply with all real estate, mortgage lending, or other licensing laws and have adequate and appropriate insurance coverage. In addition, you are responsible for the Real Estate Related Services provided to your clients and agree to indemnify, defend, and hold RBN harmless from any claims, costs, and damages incurred by RBN arising from claims by your clients regarding the services you have provided;
  • All information you submit to RBN Members about your services is your responsibility and not RBN’s offering of service;
  • You will provide RBN Members with all information and notices legally required with all licensing and regulatory requirements applicable to real estate service providers such as agents, brokers, and lenders;
  • You agree to notify RBN of any changes in your license status within three (3) business days of such change;
  • Your participation with RBN is voluntary and can be terminated for any reason at any time with written notice. In the event of termination, any and all Connections and Referrals made prior to such termination are still bound by the Site Terms, any and all agreements between you and RBN, and that Referral Fees will be due upon close of escrow of any transactions resulting from such Connections or Referrals;
  • RBN reserves the right to terminate the participation of any Service Provider for any or no reason at RBN’s sole discretion. However, any Connections or Referrals made prior to such termination are still bound by this Agreement, the Agent Participation Agreement, and Referrals will be due upon close of escrow of any transactions resulting from such Connections or Referrals;
  • You agree to pay RBN a Referral Fee as defined in your Agent Participation Agreement when a sale is made from a Connection or Referral;
  • You agree to be contacted by RBN and its Members by phone, email, mail, text, or other reasonable means;
  • You agree that all information is confidential and shall not be disclosed to any third party without RBN’s written consent, including any Agent Participation Agreements, Referral Fees, and/or Member’s contact information. All Confidential Information shall remain the property of RBN in perpetuity;
  • You may initiate or receive a call from an RBN representative or one of our Members via one of RBN’s tracked phone numbers. If you do so, RBN may create a digital audio recording of the call. You acknowledge and agree that your phone calls may be recorded for quality assurance purposes only;
  • You agree to abide by the additional terms set forth in the Agent Participation Agreement as defined when you onboard as a participating and approved Agent;
  • Service Providers understand and agree that using the Company Platform does not guarantee that any Customers will engage them for any Services;
  • Service Providers alone are responsible for identifying, understanding, and complying with all laws, rules, and regulations that apply to their businesses and the listings related to their products and services. Service Providers are responsible for obtaining any such permits, licenses, or other governmental authorizations as may be required;
  • Service Providers are solely responsible for establishing the price for their products and services;
  • Company makes no representations as to the display of Service Provider products and services as may be related to frequency or placement;
  • As a Service Provider you understand that we are providing the Service for the purposes of facilitating opportunities for you to connect with the general public. You agree and acknowledge that the Company is not a party to any transactions you may enter into using the Service, except as may otherwise be stated herein, and Company shall not under any circumstances be liable for any damages of any kind arising out of, or in connection with, or relating to, the products and services you may be providing to the public;

 

Indemnification

  • To the fullest extent permissible under applicable law, you agree to defend and indemnify RBN, its parent, subsidiary and other affiliated companies, and their respective officers, directors, employees, agents and other representatives (collectively, the “RBN Parties”), and hold the RBN Parties harmless from and against any and all liabilities, claims, damages, losses, expenses and costs, (including but not limited to, attorneys’ fees and costs), arising from or related to your misuse of the RBN Sites, all third party claims, charges, and investigations, directly or indirectly caused by (a) your failure to comply with this Agreement (b) or any breach by you of these Terms and Conditions and/or (c) any activity in which you engage on the RBN Sites or using the RBN Services;
  • RBN reserves the right, at our expense, to assume exclusive defense and control of any matter otherwise subject to indemnification by you, and, in any case, you agree to cooperate with RBN if and as requested by RBN in the defense and settlement of such matter;

 

Warranties, Disclaimers, and Limitations of Liability. 

YOU EXPRESSLY UNDERSTAND AND AGREE THAT:

  • YOU RELEASE RBN AND ALL ITS AFFILIATES FROM ANY AND ALL LIABILITIES WITH REGARD TO THE REDEMPTION OF REWARDS, INCLUDING BUT NOT LIMITED TO THE FOLLOWING:
    • YOU RELEASE RBN FROM ANY LIABILITY ARISING FROM YOUR USE OF POINTS WITHIN THE REWARDS PROGRAM;
    • YOU RELEASE RBN FROM ANY LIABILITY RELATED TO THE REWARDS OBTAINED THROUGH POINT REDEMPTION, AS WELL AS ANY ACTIONS OR DECISIONS MADE IN CONNECTION WITH THE USE OF THESE REWARDS;
    • YOU RELEASE RBN FROM ANY LIABILITY STEMMING FROM YOUR PARTICIPATION IN THE REWARDS PROGRAM, INCLUDING BUT NOT LIMITED TO YOUR ENROLLMENT, POINT ACCRUAL, REDEMPTION ACTIVITIES, AND ANY ASSOCIATED CONSEQUENCES;
  • YOU UNDERSTAND AND AGREE THAT RBN IS NOT A PROVIDER OF SERVICES, INCLUDING BUT NOT LIMITED TO CREDIT CARD, REAL ESTATE, MORTGAGE, OR TRAVEL ADVISORY AND BOOKING SERVICES. ANY AND ALL CLAIMS REGARDING ANY FAILURE OR BREACH WITH RESPECT TO THE SERVICES OFFERED THROUGH THE SITES ARE LIMITED TO CLAIMS AGAINST ANY AND ALL SERVICE PROVIDERS AND LOYALTY PROVIDERS;
  • THE RBN PARTIES WILL NOT BE LIABLE TO YOU OR TO ANY OTHER PERSON UNDER ANY CIRCUMSTANCES OR UNDER ANY LEGAL OR EQUITABLE THEORY, WHETHER IN TORT, CONTRACT, STRICT LIABILITY, OR OTHERWISE, FOR ANY INDIRECT, SPECIAL, INCIDENTAL, OR CONSEQUENTIAL LOSSES OR DAMAGES OF ANY NATURE ARISING OUT OF OR IN CONNECTION WITH THE USE OF OR INABILITY TO USE THE RBN SITES, EVEN IF AN AUTHORIZED REPRESENTATIVE OF RBN PARTIES HAS BEEN ADVISED OF OR SHOULD HAVE KNOWN OF THE POSSIBILITY OF SUCH DAMAGES;
  • TO THE FULLEST EXTENT PROVIDED BY APPLICABLE LAW, THIS DISCLAIMER APPLIES TO ANY DAMAGES OR INJURY ARISING FROM ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECTS, DELAY IN OPERATION OR TRANSMISSION, LOST PROFITS, LOSS OF GOODWILL, LOSS OF DATA, WORK STOPPAGE, ACCURACY OF RESULTS, COMPUTER FAILURE OR MALFUNCTION, COMPUTER VIRUSES, FILE CORRUPTION, COMMUNICATION FAILURE, NETWORK OR SYSTEM OUTAGE, THEFT, DESTRUCTION, UNAUTHORIZED ACCESS TO, ALTERATION OF, LOSS OF USE OF ANY RECORD OR DATA, AND ANY OTHER TANGIBLE OR INTANGIBLE LOSS. YOU SPECIFICALLY ACKNOWLEDGE AND AGREE THAT, TO THE FULLEST EXTENT PROVIDED BY APPLICABLE LAW, NO RBN PARTY WILL BE LIABLE FOR ANY DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT OF ANY PARTICIPATING PROFESSIONAL OR OTHER USER OF THE RBN SITES;
  • IF YOU DO NOT AGREE WITH ANY PART OF THIS AGREEMENT, OR YOU HAVE ANY DISPUTE OR CLAIM AGAINST RBN OR ITS PARTICIPATING SERVICE PROVIDERS WITH RESPECT TO THIS AGREEMENT OR THE SERVICES, THEN YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE SERVICES;
  • TO THE FULLEST EXTENT PERMISSIBLE BY APPLICABLE LAW, THE RBN PARTIES DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE;
  • THE SITE, ALL CONTENT, MATERIALS, PRODUCTS, SERVICES, FUNCTIONALITY, INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES ASSOCIATED WITH IT AND OTHER ITEMS INCLUDED ON OR OTHERWISE MADE AVAILABLE TO YOU THROUGH THE SITE, ARE PROVIDED “AS IS.” YOU ACKNOWLEDGE THAT, TO THE FULLEST EXTENT PROVIDED BY APPLICABLE LAW, YOUR USE OF THE RBN SITES IS AT YOUR SOLE RISK;
  • RBN PARTIES AND/OR PARTICIPATING SERVICE PROVIDERS DISCLAIM ANY WARRANTY OF ANY KIND, WHETHER EXPRESS OR IMPLIED, AS TO ANY MATTER WHATSOEVER RELATING TO THE SITE AND ANY INFORMATION, SOFTWARE, PRODUCTS AND SERVICES PROVIDED HEREIN, INCLUDING WITHOUT LIMITATION THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NONINFRINGEMENT;
  • RBN PARTIES MAKE NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE OPERATION OF THE RBN SITES OR THE CONTENT, MATERIALS, PRODUCTS, SERVICES, FUNCTIONALITY, OR OTHER ITEMS INCLUDED ON OR OTHERWISE MADE AVAILABLE TO YOU THROUGH THE RBN SITES;
  • RBN PARTIES AND/OR PARTICIPANTS ARE NOT LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES OR OTHER INJURY ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OF OUR SERVICES OR WITH THE DELAY OR INABILITY TO USE THE SITE, OR FOR ANY INFORMATION, SOFTWARE, PRODUCTS AND SERVICES OBTAINED THROUGH THE SITE, OR OTHERWISE ARISING OUT OF THE USE OF THE SITE, WHETHER RESULTING IN WHOLE OR IN PART, FROM BREACH OF CONTRACT, TORTIOUS BEHAVIOR, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF THE RBN PARTIES AND/OR ITS PARTICIPANTS HAD BEEN ADVISED OF THE POSSIBILITY OF DAMAGES;
  • TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, YOU ASSUME FULL RESPONSIBILITY FOR YOUR USE OF THE RBN SITES AND AGREE THAT ANY INFORMATION YOU SEND OR RECEIVE DURING YOUR USE OF THE RBN SITES MAY NOT BE SECURE AND MAY BE INTERCEPTED OR OTHERWISE ACCESSED BY UNAUTHORIZED PARTIES;
  • YOU AGREE THAT, TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, RBN PARTIES ARE NOT RESPONSIBLE FOR ANY LOSS OR DAMAGE TO YOUR PROPERTY OR DATA THAT RESULTS FROM ANY MATERIALS YOU ACCESS OR DOWNLOAD FROM THE RBN SITES;
  • NOTWITHSTANDING THE FOREGOING, THE SOLE AND ENTIRE MAXIMUM LIABILITY OF RBN PARTIES, FOR ANY REASON, AND YOUR SOLE AND EXCLUSIVE REMEDY FOR ANY CAUSE OR CLAIM WHATSOEVER, SHALL BE LIMITED TO THE CHARGES PAID BY YOU DIRECTLY TO THE COMPANY VIA THE SERVICE FOR SERVICES PROVIDED SOLELY AND DIRECTLY BY COMPANY TO YOU IN THE THREE (3) MONTHS PRIOR TO SUCH CAUSE OR CLAIM;
  • YOU AGREE THAT REGARDLESS OF ANY STATUTE OR LAW TO THE CONTRARY, ANY CLAIM YOU MAY BRING MUST BE FILED WITHIN ONE (1) YEAR AFTER THE CAUSE OF ACTION ACCRUES, OR IT WILL BE PERMANENTLY BARRED;
  • SOME JURISDICTIONS DO NOT ALLOW THE DISCLAIMER OF CERTAIN WARRANTIES OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR CERTAIN TYPES OF DAMAGES. ACCORDINGLY, SOME OF THE ABOVE DISCLAIMERS AND LIMITATIONS MAY NOT APPLY TO YOU;
  • If you are a California resident, you shall and hereby do waive California Civil Code Section 1542, which says: “A general release does not extend to claims which the creditor does not know or suspect to exist in his favor at the time of executing the release, which, if known by him must have materially affected his settlement with the debtor;”

 

Governing Law, Jurisdiction. 

  • This Agreement shall in all respects be construed in accordance with and governed by the laws of the State of Delaware without regard to conflict of law provisions. Any suit involving any dispute or matter arising under this Agreement may only be brought in the courts of the aforementioned jurisdiction. Users hereby consent to the exercise of personal jurisdiction by any such court with respect to any such proceeding. Any such controversy, claim, suit, injury, or damage shall be heard on an individual basis and shall not be consolidated in any other matter with any controversy, claim, suit, injury or damage of any other party. The prevailing party in any suit shall be entitled to its reasonable attorney fees;

Survival. 

  • This Agreement shall in all respects be construed in accordance with and governed by the laws of the State of Delaware without regard to conflict of law provisions. Any suit involving any dispute or matter arising under this Agreement may only be brought in the courts of the aforementioned jurisdiction. Users hereby consent to the exercise of personal jurisdiction by any such court with respect to any such proceeding. Any such controversy, claim, suit, injury, or damage shall be heard on an individual basis and shall not be consolidated in any other matter with any controversy, claim, suit, injury, or damage of any other party. The prevailing party in any suit shall be entitled to its reasonable attorney fees;

 

Confidentiality. 

  • In handling any confidential information, RBN shall exercise the same degree of care that it exercises for its own proprietary information, but disclosure of information may be made: (a) to RBN’s participating Service Providers; (b) to Loyalty Providers; (c) as required by law, regulation, subpoena, or other order; (d) to RBN’s regulators or as otherwise required in connection with RBN’s examination or audit; (e) as RBN considers appropriate in exercising remedies under the Agreements; and (f) to third-party service providers of RBN so long as such service providers have executed a confidentiality agreement with RBN with terms no less restrictive than those contained herein. Confidential information does not include information that is either: (i) in the public domain or in RBN’s possession when disclosed to RBN, or becomes part of the public domain (other than as a result of its disclosure by RBN in violation of this Agreement) after disclosure to RBN; or (ii) disclosed to RBN by a third party, if RBN does not know that the third party is prohibited from disclosing the information. RBN may use anonymous forms of confidential information for aggregate datasets, for analyses or reporting, and for any other uses not expressly prohibited in writing by Members. The provisions of the immediately preceding sentence shall survive the termination of this Agreement;

 

Intellectual Property.

  • You acknowledge that all Content on the Platform, including, but not limited to, the website design, application design, graphics, text, sounds, pictures, and other files and the selection and arrangement thereof are the property of Company and/or its licensors, and are subject to and protected by United States and international copyright and other intellectual property laws and rights. All rights to Content not expressly granted in these Terms and Conditions are reserved to their respective copyright owners. Company authorizes you to view, download, and/or print the Content provided that you keep intact all copyright and other proprietary notices contained in the original Content. Except as expressly authorized by the Terms and Conditions, you may not copy, reproduce, distribute, republish, download, perform, display, post, transmit, scrape, copy, exploit, create derivative works or otherwise use any of the Content in any form or by any means, without the prior written authorization of Company or the respective copyright owner. In the absence of a written agreement, you may not modify or adapt the Content in any way or otherwise use them for any public or commercial resale purposes. The trademarks, service marks, trade names, trade dress and logos (collectively, “Marks”) contained or described in the Service are the sole property of Company and/or its licensors and may not be copied, altered or otherwise used, in whole or in part, without the prior written authorization of Company and/or its licensors. Company reserves the right to enforce its intellectual property rights fully under the law;
  • Your use of the Service is solely and exclusively under the limited license granted herein and you will not obtain any ownership interest therein through the Terms and Conditions or otherwise. All trademarks, service marks, trade names, domain names, slogans, logos, and other indicia of origin that appear on or in connection with any aspect of the Service are either the property of the Company, its affiliates, or licensors. Company retains the right to rescind and terminate the limited license granted hereunder at any point and for any reason. All rights not expressly granted herein by Company to you are fully reserved by Company, its advertisers, and licensors;
  • Some of the company and product names, logos, brands, and other trademarks featured or referred to within the Service may not be owned by us and are the property of their respective trademark holders. These trademark holders are not affiliated with, nor do they sponsor or endorse the Service;

 

Content.

  • All Content on the Platform is the sole responsibility of the person who originated such content. You acknowledge that all Content transmitted or accessed by you using the Service is at your own risk and you will be solely responsible and liable for any damage or loss to you or any other party resulting therefrom. You remain solely responsible for all Content that you transmit in connection with the Service, and you warrant that you possess all rights necessary to provide such Content and that you do not violate any third party’s rights in providing such Content. We reserve the right to remove, and to allow certain users to remove, any objectionable Content in our sole discretion;
  • You understand that by providing Content publicly in connection with the Service, you hereby grant us a non-exclusive, worldwide, royalty-free, perpetual, irrevocable, sublicensable, and transferable right to fully exploit such Content (including all related intellectual property rights) in connection with our business. Company and its licensees may publicly display advertisements and other information adjacent to or included with your Content. You are not entitled to any compensation for such advertisements. The manner, mode, and extent of such advertising are subject to change without specific notice to you;
  • By sending us any ideas, suggestions, documents or proposals (“Feedback”), you agree that (i) your Feedback does not contain the confidential or proprietary information of third parties, (ii) we are under no obligation of confidentiality, express or implied, with respect to the Feedback, (iii) we may have something similar to the Feedback already under consideration or in development, and (iv) you grant us an irrevocable, non-exclusive, royalty-free, perpetual, worldwide license to use, modify, prepare derivative works, publish, distribute and sublicense the Feedback, and you irrevocably waive, and cause to be waived, against Company and its users any claims and assertions of any moral rights contained in such Feedback;

Miscellaneous

Accuracy of Information

  • RBN intends that the information contained on our Site is accurate and reliable. However, errors sometimes occur. RBN does not guarantee the accuracy of any information available on the Site and shall not be responsible for any typographical errors, omissions, misinformation, or misrepresentations. In addition, RBN contains information and descriptions of services provided by Service Providers. Accordingly, we do not guarantee the accuracy of any information available on this Site and are not responsible for any errors, omissions, or misrepresentations and any information provided by Service Providers. All information be independently verified;

Confidential Information

  • All information relating to this Agreement (other than the existence of this Agreement), or received by any other party to this Agreement or any of its affiliates in the course of performing under this Agreement, which is or should reasonably be understood to be confidential or proprietary information of, or concerning, such party or its affiliates, including trade secrets, know-how, commercial, financial, and technical information, customer or client lists, programs, procedures, data, documents, computer information and databases, business plans, budget forecasts, business arrangements, information regarding specific transactions, financial information and estimates, works of authorship, and long-term plans and goals, the intellectual property rights of any party to any of the foregoing, and any information relating to the services provided hereunder. Confidential Information of any party includes all of such party’s work product and all of the deliverables developed by such party specifically for another party in connection with the services provided hereunder, including software, reports, data, information, works of authorship and inventions, and all documentation related thereto (excluding software owned by any third party and commercial off-the-shelf software);

Tax / Legal Advice

  • This Site is not intended to provide legal or tax advice. Consult a professional legal or tax advisor for advice regarding your specific situation. You are responsible for learning about and paying any federal, state, or local taxes that may apply to earning or using points;

Foreign Jurisdictions

  • RBN products and services are available only in those jurisdictions where RBN is authorized or permitted by local law to promote or sell them;

Third-Party Practices

  • This Site contains links to other Internet sites that are not maintained by RBN. Unless otherwise stated, RBN makes no warranties or representations regarding these websites or the products or services offered on them. RBN does not control the privacy or security practices of third parties, or the locations where they process data. Anyone using the site should read the privacy and security policies of the other sites, as their practices may differ from ours. Visit the RBN Privacy Policy;

Fair Housing

  • RBN is pledged to the letter and spirit of U.S. Policy for the achievement of equal housing opportunity throughout the United States. We encourage and support an affirmative advertising and marketing program in which there are no barriers to obtain housing due to race, color, religion, sex, handicap, familial status, or national origin;

Governing Law

  • This Agreement shall be governed by Delaware law, excluding its conflict of law principles;

Severability

  • If any provision of these Terms is unlawful, void, or unenforceable, the remaining provisions shall remain valid and in effect to the fullest extent possible;

Waivers

  • Any waiver of any provision of these Terms will be effective only if in writing and signed by an authorized representative of RBN. Any delay or omission by RBN to exercise any rights under these Terms shall not be construed to waive any rights;

Conflicts

  • In the event of a conflict between these Site Terms or your specific Agreement, the specific Agreement shall control.

Arbitration:

  • Limitations on Arbitration: If either party elects to resolve a claim through arbitration, such arbitration shall be conducted on an individual basis. There shall be no right or authority for any claims to be arbitrated on a class action basis or on bases involving claims brought in a purported representative capacity on behalf of the general public, other Card Members, or other persons similarly situated. Notwithstanding any other provision and without waiving the right to appeal such decision, if any portion of these Limitations on Arbitration is deemed invalid or unenforceable, then the entire Arbitration provision (other than this sentence) will not apply;
  • Arbitration Procedures: This Arbitration provision is governed by the Federal Arbitration Act (“FAA”). The arbitrator will apply applicable substantive law, statutes of limitations, and privileges. The arbitrator will not apply any federal or state rules of civil procedure or evidence in matters relating to evidence or discovery. Subject to the Limitations on Arbitration, the arbitrator may otherwise award any relief available in court. You and we agree that the arbitration will be confidential. You and we agree that we will not disclose the content of the arbitration proceeding or its outcome to anyone, but you or we may notify any government authority of the claim as permitted or required by law;

If your claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents, through a telephonic hearing, or by an in-person hearing. At any party’s request, the arbitrator will provide a brief written explanation of the award. The arbitrator’s award will be final and binding, subject to each party’s right to appeal as stated in this section and/or to challenge or appeal an arbitration award pursuant to the FAA. To initiate an appeal, a party must notify the arbitration organization and all parties in writing within 35 days after the arbitrator’s award is issued. The arbitration organization will appoint a three-arbitrator panel to decide anew, by a majority vote based on written submissions, any aspect of the decision objected to. The appeal will otherwise proceed pursuant to the arbitration organization’s appellate rules. Judgment upon any award may be entered in any court having jurisdiction. At your election, arbitration hearings will take place in the federal judicial district of your residence;

  • Arbitration Fees and Costs: You will be responsible for paying your share of any arbitration fees (including filing, administrative, hearing, or other fees), but only up to the amount of the filing fees you would have incurred if you had brought a claim in court. We will be responsible for any additional arbitration fees. At your written request, we will consider in good faith making a temporary advance of your share of any arbitration fees or paying for the reasonable fees of an expert appointed by the arbitrator for good cause;

Notices

  • If you have registered at this Site we will notify you of any material changes to these Terms by using any of the contact information you have provided to us. These changes will not apply to disputes that arise prior to the effective date of the change;

Unauthorized Use

  • Unauthorized use, reproduction, or distribution of the content on this Site, or any portion of it, is strictly forbidden and may result in severe civil and criminal penalties and will be prosecuted to the maximum extent possible under the law;