Pure Golf Rewards Terms & Conditions

Pure Golf Rewards Program Terms & Conditions

Effective Date: October XX, 2025

Welcome to the Pure Golf Rewards Program (the “Pure Golf Program”), administered by GolfCard Financial Services, Inc., or its parent company, affiliates, or service providers (collectively, “GolfCard,” “we,” “us,” or “our”). These Pure Golf Rewards Program Terms & Conditions (“Terms”) apply to your participation in the Program and incorporate by reference the GolfCard Terms of Service, available at https://www.thegolfcard.com/terms-of-service, and the GolfCard Privacy Policy, available at [insert]. Any capitalized terms in these Terms that aren’t defined here have the same meanings as in the Terms of Service.

Through the Pure Golf Program, you may earn points (“Points”) based on activities and transactions in your credit card account (“Card Account”) issued to you by Celtic Bank (“Issuer”) under a separate Card Account agreement. You may exchange the Points for Pure Golf Program benefits (“Rewards”). This Program is offered to you and managed exclusively by GolfCard. The Issuer is not responsible for and does not administer the Pure Golf Program.

Your Card Account must be open and in good standing to be eligible to earn Points and redeem Points for Rewards.

Your Issuer credit card is automatically enrolled in the Pure Golf Program. By participating in the Pure Golf Program, you agree to these Terms. By agreeing to these Terms and participating in the Pure Golf Program, you give GolfCard, its partners, agents, employees, and representatives explicit permission and instruction to act as your agent to access your Card Account data to calculate and award Points to you.

1. Earning Points

You only earn Points on purchases. You earn Points through purchases on your Card Account as follows:

3 Points for each $1 of purchases made on golf-related spending;
2 Points for each $1 of purchases made at travel and dining merchants;
1 Point for each $1 of all other purchases.

Points are earned at the close of your monthly billing cycle based on purchases you made during that billing cycle, plus any bonus points earned during that billing cycle, and, minus any returns or refunds. If you have more returns or refunds than Points earned from purchases or bonuses, we will deduct Points from your total Points balance, and you may have a negative Points balance. Any subsequent Points you earn will first be applied to reduce the negative balance and you will not be able to use Points until your Points balance is positive. We describe how we classify the earning categories below.

Most of the time, buying products and services with your credit card will count as a purchase. However, you won’t earn Points for the following: (a) balance transfers; (b) cash advances; (c) travelers checks, foreign currency, money orders, wire transfers or similar cash-like transactions; (d) gambling, lottery tickets, casino gaming chips, wagers or betting; (e) loads or reloads of balances on gift cards or prepaid cards or cash equivalents, (f) person-to-person payments, (g) any checks that access your account; (h) interest; (i) unlawful, unauthorized or fraudulent charges; or (j) fees of any kind, including any annual fee and fees for products that protect or insure the balances of your account.

Golf-Related Purchases: We define golf-related purchases as:

Purchases made at golf courses, such as greens fees, shop purchases, and food
Purchases made at golf retailers, including sporting goods stores
Purchases made at brands whose primary products are in the golf industry
Purchases made towards lessons or tours where golf is the primary focus

GolfCard uses information such as a merchant's name, the merchant category code, and other public information about a merchant to determine whether, in its sole discretion, a purchase qualifies as golf-related spending. Purchase determinations are based on the merchant, not on the specific goods or services in your purchase; GolfCard does not have access to that level of information.

Travel and Dining Purchases: We define travel and dining purchases based exclusively on the merchant category codes.

All Other Purchases: Purchases that do not fall within the above categories qualify as “all other purchases.”

Promotional Offers and Bonus Points: We may offer promotions or bonus offers from time to time that will allow you to earn additional Points, as set forth by the terms of the promotion or bonus offer. You’ll learn more about the number of bonus Points you can earn and any other terms at the time of the offer. The additional terms will be part of this agreement.

Purchase Categories and Merchant Category Codes: Merchants are assigned a merchant category code by the card networks (here, Mastercard) based on the products or services they sell. We do not control these codes. Merchants, not us, categorize and submit purchases, meaning some purchases may not fall into the category you expect them to. If this occurs, those purchases won't qualify for additional Points. Further, purchases made via mobile technology may not earn additional Points depending on how the technology is used to make the purchase. GolfCard, in its sole discretion, determines how purchases qualify for which earning category.

Disputes. Disputes regarding Points are not treated as Card Account billing disputes. Any disputes concerning Points or Rewards will not affect your payment obligation on your Card Account. All reviewed decisions are final.

2. Redeeming Points for Rewards

Redemption Methods. You may redeem your earned Points for Rewards, including for Rewards in our GolfCard online reward catalog, a statement credit, or with certain merchant partners (“Partners”). We may add, change, or remove Rewards, Partners, or offers at any time and the Partner may change any Rewards it makes available through the Pure Golf Program at any time. We do not guarantee the continued availability of any Reward or redemption opportunity.

Reward-Specific Terms and Conditions. Certain terms may apply to certain Rewards; for example, we describe additional terms for statement credits below. Partners may impose terms and conditions or eligibility requirements on Rewards you redeem through them. Sometimes, you may be required to accept additional terms and conditions before redeeming Points for a Reward. If we impose additional terms and conditions on a Reward, we will let you know before you redeem Points for that Reward. Please carefully read all terms before you redeem Points for a Reward.

Statement Credits. If you have accrued at least 2,500 Points (or a cash value for statement credits only of at least $25.00), you may use Points to convert to a statement credit on your Card Account. The value of Points redeemed for cash back for statement credits is a minimum of $0.01. Any Points you use for statement credits will not be directly applied to your minimum payment due on your monthly billing statement. You are still responsible for making your minimum payment due on your monthly statement by the statement due date. The Issuer is not responsible for any aspect of the statement credit redemption, including delays or errors in Points conversions.

Additional Information about Redeeming Points for Rewards

Authority. Only you are authorized to redeem Points for Rewards.
No affiliation with Partners. Partners are not affiliated with or responsible for administering the Pure Golf Program.
Insufficient Points for a Reward. If your Point balance falls below what is needed to redeem a Reward, including after you’ve redeemed a Reward, we may stop fulfillment of that Reward. This may happen, for example, if you return a purchase.
Cancelling a Reward. If you redeem Points for a Reward and want to cancel redemption, you can email support@thegolfcard.com to attempt to cancel the Reward before we or the Partner fulfills it. Once Points have been redeemed for a Reward, or if we or the Partner have begun fulfilling the Reward, we cannot make changes to the Reward or refund you Points. Because the fulfillment process for each Reward is different, we reserve the right to determine when the fulfillment of a Reward has begun.
Reward cannot be fulfilled. If a Reward cannot be fulfilled, we will notify you that we cannot do so and you will receive a credit for the Points you used to redeem the Reward.
Point value may vary. Point value may vary depending on the Reward being redeemed.
Disputes with Partners. If a dispute arises between you and a Partner regarding a Reward you received, or should have received, from the Partner, it is solely between you and the Partner. You must make a claim directly with the Partner, and you acknowledge that we are not responsible for any such claim.

Property Interest. Points have no cash value (unless and until redeemed through an option expressly allowing for cash redemption). You may not assign, transfer, or pledge your Points or any Rewards, including by any operation of law (e.g., divorce, inheritance, etc.). You have no property rights or other legal interest in your Points or Rewards. You cannot assign or pledge your Points.

Taxes. You are responsible for determining any tax liability arising from your participation in the Program. You should discuss any potential tax consequences with a tax advisor.

3. Point Expiration; Account Closure; Suspension, or Forfeiture; Fraud, Abuse, or Suspicious Activity

Expiration of Points; Card Account Closure. Your Points will not expire if your Card Account is open, active, and in good standing. However, if your Card Account is closed for any reason, your Card Account balance is charged off, your unpaid balance is discharged for bankruptcy proceedings, or in the event of your death, you will, to the extent permitted by law, forfeit any unredeemed Points you have earned, and any unredeemed Rewards will be voided.

Suspension, Loss, or Forfeiture of Points or Rewards. If your Card Account is delinquent, suspended, or is placed on hold for any reason, Points may stop accruing, and the Points you earned from your Card Account will not be available for redemption. If your Card Account is restored to good standing, we will reinstate any previously earned and unexpired Points.

Fraud, Abuse, Gaming, or Suspicious Activity. If GolfCard determines that you have engaged, or are attempting to engage, in fraud, abuse, misuse, or gaming of the Pure Golf Program, or you otherwise violate these Terms, GolfCard may, in its sole discretion, temporarily suspend your ability to earn or redeem Points, revoke earned Points, close your Card Account, and/or take legal action to recover Points redeemed because of such activity and to recover any of our monetary losses, including damages and litigation costs.

Such prohibited activities include, but are not limited to:

Violating applicable law;
Violating your Card Account agreement;
Submitting false information or conducting other fraudulent activity;
Purchasing or selling Points, whether directly or indirectly;
Repeatedly opening, maintaining, or closing credit card accounts primarily to generate Points;
Engaging in manufactured spending or other transactional manipulation intended to artificially generate Points;
Using the credit card predominantly for business or commercial transactions rather than for personal use; or
Any other activity that GolfCard determines, in its sole discretion, is inconsistent with the intended purpose of the Pure Golf Program.

4. Program Changes or Termination

We may change these Terms at any time. We will give you 45 days’ notice if we make a material change to these terms, such as limiting or reducing how you can earn, accumulate, or use Points, or if we cancel the Pure Golf Program. These changes may prevent you from earning or using Points, redeeming Points for Rewards, decrease the value of Points, or cause you to lose Points. We will provide you with this notice electronically as set forth in the GolfCard E-SIGN Agreement. We will notify you of other changes to the Pure Golf Program or these Terms by posting an updated copy on our website and mobile application. We may supplement these Terms with additional conditions, disclosures, and agreements.If we terminate the Pure Golf Program, you will have 90 days after the date we provide you notice to redeem your Points.

5. Additional Important Information

Warranty Disclaimer. Issuer, GolfCard, Highnote Platform, Inc., and their respective third-party service providers, affiliates, directors, officers, employees, agents, or contractors make no representations or warranties, either express or implied, including those of merchantability and fitness for intended use or a particular purpose and otherwise arising by law, custom, usage, trade practice, course of dealing or course of performance regarding any Reward offered by GolfCard or by any Partner.

Indemnification. You agree to indemnify and hold GolfCard, Issuer, Highnote Platform, Inc., and our or their respective third-party service providers, affiliates, directors, officers, employees, agents and contractors harmless from and against any loss, damage, liability, cost, or expense of any kind (including attorneys’ fees) arising from your use of the Pure Golf Program, any fraud or misuse of the Pure Golf Program, violation of these Terms, violation of any applicable law, or the rights of any third party.

Limitation on Liability. You expressly release and discharge GolfCard, Issuer, Highnote Platform, Inc., and any Partners and our or their respective third-party service providers, affiliates, directors, officers, employees, agents, and contractors from any and all liability, claims, demands, losses, damages, costs, or expenses of any kind, whether known or unknown, arising from or in connection with your participation in the Pure Golf Program. This includes, but is not limited to, any claims related to the use of the Pure Golf Program; redemption of Points for Rewards through the Pure Golf Program, including any Rewards that are lost, destroyed, stolen, or otherwise unavailable after they’ve been redeemed; earning Points; using Rewards; expiration or forfeiture of Points; and any modifications, suspensions, or cancellations of the Pure Golf Program.

You further acknowledge that Partners that participate in the Pure Golf Program are independent entities and are not affiliated with us, the Issuer, or Highnote Platform, Inc. Neither we, the Issuer, or Highnote Platform, Inc. nor our or their affiliates, directors, officers, employees, or agents are responsible for, and you release us and them from, any liability arising from the actions, omissions, products, or services of such Partners, including but not limited to, the fulfillment, delivery, servicing, or performance of any Rewards, products, or services obtained through the Pure Golf Program.
Your sole remedy for disputes regarding these Terms will be crediting or re-crediting Points to you in an amount no greater than the Points that were the subject of the dispute.

Partner responsibilities. Partners and third-party service providers are responsible for the quality and performance of any products or services they provide. We are not responsible for any aspects of the products and services provided by Partners or third-party service providers.

Communications and Customer Service. For questions or disputes about your Points balance, redemption, bonus eligibility, or these Terms, please get in touch with GolfCard at support@thegolfcard.com. If you believe we have missed or incorrectly calculated Points from credit card transactions, you must submit your request that we review the transaction(s) within 90 days of the transaction.

Other Benefits. In addition to earning Points, you may be eligible for other benefits, like membership in our private user groups, invitations to special events, or other discounts or rewards, which may be subject to availability and other terms.

Governing Law. These Terms, and any dispute relating to them, will be governed by federal law and, to the extent not preempted by federal law, the laws of Delaware, without regard to its conflict of laws principles.

Severability; Waiver. If any provision of these Terms is determined to be unlawful or unenforceable, the remaining provisions will remain in effect. Our failure or delay in exercising any right does not waive that right.

Changes to Contact Information. You must notify GolfCard promptly if your email, phone number, or mailing address changes.