TERMS AND CONDITIONS

Last Updated: Last Updated: September 29th, 2023

RBN is a Membership Reward Network and technology platform (the “Platform”) that connects eligible consumers (“Members”) with high-performing professionals (hereinafter “Service Providers”) and subsequently rewards its Members for purchasing products and services through participating Service Providers. The features and functionality of the Platform shall hereinafter be referred to as the “Service.” RBN and its subsidiaries are owned and operated by RBN LLC (the “Company,” “we,” “us” or “our”). Consumers seeking information regarding Services shall hereinafter be referred to as “Customers” and collectively Customers and Service Providers shall be referred to as “Users.”

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; Integration.

We may, in our sole discretion, modify the Terms and Conditions via email or by posting notice on any part of the Services. The “Last Updated” date at the top the Terms and Conditions indicates when the latest modifications were made to the Terms and Conditions. By continuing to access and use the Service you agree to any such modifications. Therefore, you are responsible for reviewing and should become familiar with any such modifications. You are encouraged to review this Terms and Conditions periodically and to check the “Last Updated” date at the top of the Terms and Conditions for the most recent version. In addition, when using RBN services or features on the Service, you will be subject to any posted guidelines or policies applicable to such services or features that may be posted from time to time, including but not limited to the Privacy Policy as noted below. All such guidelines or policies are hereby incorporated by reference into these Terms and Conditions;

Translation.

We may translate these Terms and Conditions into other languages for your convenience. Nevertheless, the English version governs your relationship with Company, and any inconsistencies among the different versions will be resolved in favor of the English version.

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, Service Level Agreement 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 serve 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.

  • Site(s)‘Site’ means any website, mobile app, or digital channel in which RBN maintains an established presence through a service or application;
  • UserAnyone who visits and/or uses the Site;
  • Service(s)RBN matches eligible Members with Service Provider and then orchestrates reward points for real estate and large-scale transactions. These Service(s) are offered in collaboration with its wholly owned subsidiaries, participating real estate Brokers and participating Loyalty Providers.
  • RBN RewardsRBN Rewards are also referred to as RBN Points, RBN Rewards, Reward Points, Points, Rewards. RBN Rewards are earned by eligible RBN Members that are posted to a Member’s virtual RBN wallet and become available for redemption through loyalty providers. The cost to provide rewards is collected from participating licensed real estate Brokers. Rewards are based on the Participating Agent’s commission rate and purchase price associated with the purchased (or sold) home. Payment to RBN from the Participating Agent must be received prior to issuance of rewards. Minimum payments apply. RBN Rewards are not available in all markets or where prohibited by law and may be subject to lender approval. RBN Rewards have no monetary value and cannot be exchanged for cash or any form of financial instrument. RBN Rewards Points earned under the Program expire three (3) years from the date of issuance. RBN reserves the exclusive right, at its sole discretion, to extend the expiration date of any points.;
  • Loyalty Provider(s)RBN rewards its Members with RBN Rewards Points, for buying or selling a home with an RBN Participating Agent. These rewards are offered in collaboration with licensed real estate Brokers and RBN Participating Loyalty Providers. All real estate brokerage components of this program are managed and offered directly by the participating real estate Brokers. The cost to provide rewards is paid for by the participating licensed real estate Brokers. Real estate broker fees may still apply. Market availability, participating loyalty providers, and available rewards are subject to change without notice.
  • Credit Card ProtocolsFor the provision of supplementary or incidental services, BTA reserves the right to request credit card details from RBN Members during the booking phase, even when employing “RBN Rewards” for payment;
  • Customer(s), Buyer(s)Individuals, who are not real estate professionals, that have applied for Membership to earn rewards;
  • Owner(s)Individuals, who are not real estate professionals, that have registered for Membership to offer rewards as part of an RBN Listing Promotion;
  • Member(s), MembershipCustomers who have been approved and are eligible to offer or earn rewards. Use of the term ‘Member’ and ‘Membership’ does not convey any legal, eligibility, or ownership rights;
    • Membership Status
      • PendingA Membership application has been submitted and is currently being reviewed for accuracy of information;
      • Approved(E) Member is approved to earn rewards;(L) Member is approved to offer rewards as part of an RBN Listing Promotion;(B) Member is approved to offer rewards as part of an RBN Listing Promotion and/or earn rewards;
      • CanceledMembership has been canceled by the Member;
      • TerminatedMembership has been terminated by RBN;
  • Membership Fee(s)A fee associated with Membership that may be required to be paid in order to be approved;
  • Agent(s), Participant, Professional(s), and Service Provider(s)Licensed professionals who wish to participate and connect with approved RBN Members in order to provide their services. Participants are independent contractors and operate at their own risk. Nothing contained in these Terms or Agreements shall be deemed to create an employer/employee, principal/agent, partnership or joint venture relationship between the parties;
  • Member ConnectionThe sharing of Member information with licensed professionals in order to facilitate a home sale or purchase;
  • Member Connection ExpenseA payment to RBN received from the professional(s) involved when a sale is made from a Member Connection that is facilitated by RBN’s wholly owned brokerages. Member Connection Expense payments must be received prior to issuance of RBN Rewards.
  • Participation FeeA payment received from agent(s), professional(s), and service provider(s) to become eligible for hire by RBN Members.
  • Hire, Hiring, HiredThe RBN Member’s selection of Participating Agent(s) to work with during the home buying or selling experience.
  • TransactionA closing and transfer of a real property by a Member whether as a seller or a buyer.
  • Broker, BrokerageA natural person who is designated by a legally recognized business to act as a supervising broker on behalf of the real estate firm, and whose license is received from the state department authorized to issue real estate licenses or a licensed legal entity engaged in the business of real estate brokerage, such as a real estate firm. A Broker may also be known as (but not limited as) an employing, designated, supervising, qualifying, principal or appointed real estate broker with said authority and duties.
  • Closing AgentA person or entity holding documents and funds in a transfer of real property, acting for both parties in the transaction, pursuant to instructions. Typically, the closing agent is a person (commonly an attorney), escrow company or title company, depending on local practice.

RBN Rewards and Boutique Travel Advisors LLC

Boutique Travel Advisors LLC (“BTA”) 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 accrued 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, such as electronic gift cards, may be presented, subject to specific conditions and mutual concurrence between RBN and BTA;

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

RBN Virtual Wallet

The RBN Virtual Wallet keeps track of points earned for eligible service(s) provided and allows you to conduct the following transactions:

  • Transfer, exchange or redeem eligible points to or through a participating loyalty program provider
  • Maintain a point balance for up to three (3) years from the award date

The RBN Virtual Wallet does not allow you to

  • Transfer ownership of points to any other person or program account. Additionally, points cannot be transferred by operation of law such as inheritance, in bankruptcy or in connection with a divorce.

RBN may add to and/or change these Virtual Wallet terms & conditions at any time. For example, we could:

  • Change the number of points you can earn for eligible transactions
  • Impose caps and/or fees on earning and/or using points
  • Increase annual and/or other program fees
  • Cancel rewards

ALL TRANSACTIONS ARE FINAL. ONCE A TRANSACTION HAS BEEN SUBMITTED, IT MAY NOT BE CANCELED OR REVERSED;

RBN reserves the right to review, cancel or reverse any transaction in the event of fraud or an error made by RBN, including any errors in the loyalty program conversion rate. You understand and consent to the removal of points from a loyalty program provider if such transaction reversal is necessary;

Upon completion of the transfer, you agree to the Participating Loyalty Provider program terms and conditions;

RBN and American Express Membership Rewards Points

The Limited Time Offer enabling Members to earn American Express Membership Rewards Points expired on June 30th, 2023. In order to be eligible to earn American Express Membership Rewards Points, the RBN Member must have connected their Membership Rewards Program account to their RBN Account by June 30th, 2023. Additionally, the Member must close on their home purchase or sale by July 12th, 2024.

Offer only valid for select U.S. American Express Card Members with a Card enrolled in the Membership Rewards® program (‘Eligible Card Members’). Card Members who have only a Corporate Card enrolled in the Membership Rewards program or whose Corporate Card is enrolled in the Corporate Membership Rewards program do not have an Eligible Card Account. Eligible Card Members will receive one Membership Rewards point for every $1 spend to purchase a home using the Real Buyer Network (RBN) and a participating RBN real estate agent when they link their Membership Rewards® account by June 30, 2023 and close on a home sale or purchase with an RBN Participating Agent by July 12, 2024. Points will be awarded within 8 to 12 weeks after receipt by American Express of the eligible home purchase closing confirmation.

Use of the Company Service, Users, General

  • 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 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 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 Company is prohibited. Any permitted links to the Service must comply with all applicable laws, rule 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;

Modification of Rewards Program

  • The Company reserves the right to modify, amend, or make alterations to the Rewards Program (“Program”) at its discretion, with or without prior notice to the participating members, service provides or loyalty programs. Such modifications may include, but are not limited to, the following:
    • The Company may alter the number of American Express Membership Rewards® points or RBN Reward Points awarded for eligible purchases;
    • The Company may modify the number of points required for the redemption of rewards;
    • The Company may adjust available rewards options based on the enrolled product(s) held by participants;
    • Caps and/or fees may be introduced on the earning and/or utilization of points, as deemed necessary by the Company;
    • The Company may increase annual fees and/or other program-related charges;
    • 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;

Use of the Company Service, Customers

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 becoming an approved RBN Member may include a Membership Fee;
  • 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 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 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 Related Services are performed by local Service Providers that you have been connected with through the RBN Dashboard. We do not endorse, recommend or otherwise know the terms of any agreement between you and a Service Provider;
  • 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 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 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 that 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 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, without first accepting the requested service type from RBN;
  • 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 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 Member Connections made prior to such termination are still bound by the Site Terms, any and all agreements between you and RBN, and that Member Connection Expenses will be due upon close of escrow of any transactions resulting from such Member Connections;
  • RBN reserves the right to terminate the participation of any Service Provider for any or no reason at RBN’s sole discretion. However, any Member Connections made prior to such termination are still bound by this Agreement, the Agent Participation Agreement and Member Connection Expenses will be due upon close of escrow of any transactions resulting from such Member Connections;
  • You agree to pay RBN a Participation Fee as defined in your Agreement when you onboard as a participating and approved Agent and agree to the Refund Policy;
  • You agree to pay RBN a Member Connection Expense as defined in your Agent Participation Agreement when a sale is made from a Member Connection;
  • You agree to be contacted by RBN and its Members by phone, email, mail, text or other reasonable means and you further agree that you will not provide or share Members’ personal information to any other party without our written consent;
  • 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 Agreement, Member Connection Expenses 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 for in the Service Level Requirements 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 LIABILITY WITH REGARD TO REDEMPTION OF REWARDS THROUGH BTA, OR AMERICAN EXPRESS, 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 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 Company, its affiliates or licensors. Company retains the right to rescind and terminate the limited license granted hereunder at any point, 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;

Claims of Copyright Infringement; DMCA

  • It is the policy of RBN to respond to all claims of intellectual property infringement. We will promptly investigate notices of alleged infringement and will take appropriate actions required under the Digital Millennium Copyright Act, Title 17, United States Code, Section 512(c)(2) (“DMCA”) and other applicable intellectual property laws;
  • Pursuant to the DMCA, notifications of claimed copyright infringement should be sent to Service Provider’s Designated Agent. Notification must be submitted to the following Designated Agent for these sites:By Mail:
    RBN
    16044 N 82nd St
    Scottsdale, AZ 85260
    By Email:
    dcma_notice@joinrbn.comNote: RBN must receive your signed statement by mail or as an attachment to your email before we are required to take any action;

To be effective, the notification must be a written communication that includes the following:

  • A physical or electronic signature of a person authorized to act on behalf of the owner of an exclusive right that is allegedly infringed;
  • Identification of the copyrighted work claimed to have been infringed, or if multiple copyrighted works at a single online site are covered by a single notification, a representative list of such works at that site;
  • Identification of the material that is claimed to be infringing or to be the subject of infringing activity and that is to be removed or access to which is to be disabled, and information reasonably sufficient to permit the service provider to locate the material;
  • Information reasonably sufficient to permit the service provider to contact the complaining party, such as an address, telephone number and, if available, an electronic mail address at which the complaining party may be contacted;
  • A statement that the complaining party has a good-faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent or the law.
  • A statement that the information in the notice is accurate and, under penalty of perjury, that the complaining party is authorized to act on behalf of the owner of an exclusive right that is allegedly infringed;

Miscellaneous

Suggestions

  • Suggestions and offers on this Site are not recommendations, unless expressly identified as such, and may not be appropriate for all users, even where the Site indicates that users like you have purchased the product;

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);

USA PATRIOT ACT

  • IMPORTANT INFORMATION ABOUT PROCEDURES FOR MEMBERSHIP APPLICATION PROCESSING — To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account and while RBN itself is not a financial institution, we gather this information to facilitate integrations with our cooperating Service Providers. What this means for you: When you apply for Membership, we will ask for your name, address, date of birth and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents;

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;

Company Identification

  • The products and services offered via this Site are provided by RBN;

Availability of Products

  • RBN products are generally available to individuals and their families who meet certain Membership eligibility criteria. It is important to note that the Limited Time Offer enabling Members to earn American Express Membership Rewards Points expired on June 30th, 2023. In order to be eligible to earn American Express Membership Rewards Points, RBN Member must have connected their Membership Rewards Program account by June 30th, 2023. Additionally, Member must close on their home purchase or sale by July 12th, 2024.

Computer/Mobile Device Requirements

  • To use this Site, you must have a device or a mobile device with internet connectivity. You are responsible for the selection, installation, maintenance, and operation of your computer, mobile device and software. We are not responsible for any errors, failures, or malfunctions of your computer, mobile device or software. You are responsible for ensuring that your computer, mobile device and software are compatible with our Site. RBN reserves the right to change the system requirements for using this Site;

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. You should read the privacy and security policies of the other sites, as their practices may differ from ours. Visit the RBN Privacy Policy;

Use of the Term “Partner”

  • The use of term “partner” on the Site and in any other materials is not intended to indicate that such loyalty program is in a legal partnership with us. Rather, the term is used in a marketing sense to show participation by the third parties with RBN;

Unsolicited Submissions

  • Unless otherwise stated, RBN does not accept unsolicited ideas, suggestions, or materials relating to development, design, or marketing of its services and products. Any such postings to this Site and electronic mail delivered to RBN will be considered non-confidential and non-proprietary, and will remain, the exclusive property of RBN. RBN may copy, disclose, distribute, incorporate, and otherwise use the item and any information contained therein for any purpose without compensation. Personal information transmitted to us will be treated in accordance with the RBN Privacy Policy. RBN Copyright: This entire Site is the copyrighted work of RBN. Unless otherwise specified, no person has permission to copy, display, distribute, republish, or create derivative works from such information in any form;

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;

Electronic Signature Agreement

  • By selecting the “Submit” and/or “Login” button on the Site(s), you are signing electronically. You agree your electronic signature is the legal equivalent of your manual signature. By selecting the “Submit” and/or “Login” you consent to be legally bound by these Terms and Conditions. You further agree that your use of a key pad, mouse or other device to select an item, button, icon or similar act/action, or to otherwise provide RBN, or in accessing or making any transaction regarding any agreement, acknowledgement, consent terms, disclosures or conditions constitutes your signature (hereafter referred to as “E-Signature”), acceptance and agreement as if actually signed by you in writing. You also agree that no certification authority or other third party verification is necessary to validate your E-Signature and that the lack of such certification or third party verification will not in any way affect the enforceability of your E-Signature or any resulting contract between you and RBN and further agree that each login constitutes your agreement to be bound by the Terms and Conditions;

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;

Service Provider Disclaimers and Trademarks, liability

  • Membership Rewards® Points is a registered trademark of American Express;
  • By utilizing points to redeem for rewards, you release American Express and all its affiliates from any and all liability associated with the following:
    • Use of Points: You release RBN from any liability arising from your use of points within the Rewards Program;
    • Redemption of Rewards: 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;
    • Participation in the Rewards Program: 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;

Each time you visit or log into the Site(s), you agree to all of the Terms herein.

 

CURRENT PROMOTIONS