Terms and Conditions


1.   Program Participation & Eligibility

    • To make a referral, you must be a current Y-12 Federal Credit Union member in good standing and you must provide us with a valid email address. Employees of Y-12 Federal Credit Union are not eligible to participate in this program.
    • To accept a referral offer, you must be someone who is not now, and has not previously been, a(n) Y-12 Federal Credit Union member.
    • To be eligible for rewards, a valid friend must provide us with their name and a valid email address before making a "valid purchase" which is the sign up, account activation, or purchase of any Y-12 Federal Credit Union products or services that meet the reward criteria as outlined in the Program Rules.
    • You cannot refer yourself or an existing Y-12 Federal Credit Union member.
    • You may not accept more than one referral offer as part of the Y-12 Federal Credit Union Referral Rewards. If you receive multiple offers, a reward will be awarded to the current member whose referral you accepted in the Y-12 Federal Credit Union Referral Rewards.
    • You must use the Y-12 Federal Credit Union Referral Rewards to make referrals. Referrals made by other means (such as through member service or other means of communication such as email or at a retail location) may not be eligible for offers and/or rewards.
    • You may not use false names, invite fake people, use multiple email address or accounts, impersonate another person, or provide false information. Fraudulent or unethical means of communication such as using bots, fictitious identities, fake emails, or scripts is also prohibited and will result in actions by us with respect to terminating your account and participation in the Y-12 Federal Credit Union Referral Rewards.
    • Y-12 Federal Credit Union reserves the right to void any rewards based on the following: (1) ineligibility of any Program participant, (2) fraudulent activity or, (3) if Y-12 Federal Credit Union, in its sole discretion, finds that you have violated any of the Program terms& conditions.
    • You must be of the age of majority in the state/province or jurisdiction where you are resident to participate with Y-12 Federal Credit Union Referral Rewards.


2.   Communication

    • Y-12 Federal Credit Union must be able to communicate with you using the email address you provided to participate in the Y-12 Federal Credit Union Referral Rewards and you agree that we can send information to you. You will not be able to participate in the Program if you unsubscribe or otherwise opt out of receiving emails from Y-12 Federal Credit Union Referral Rewards or we will be unable to communicate with you by email.
    • The Y-12 Federal Credit Union Referral Rewards may require you to submit personal information about yourself or friends and family (e.g. name and contact information). All information submitted to us is collected in accordance with our privacy policy.

        • It is strictly prohibited to send spam or unsolicited emails to people that you do not personally know to collect referrals.
        • When you are communicating through a digital referral channel (i.e. Facebook, Twitter, LinkedIn, your referral link, or email) you must not knowingly send a message to a friend who has indicated that they are not willing to accept such communications from you.

            

      3.   Offers & Rewards

        • Offers and/or rewards have no monetary value. They are non-transferable, non-assignable, and cannot be redeemed for cash or credit and we have not authorized them to be bartered or traded for any legal currency units. If the Y-12 Federal Credit Union Referral Rewards is terminated for any reason, or if your account with us or relationship with us is terminated for any reason, then your unused offers and/or rewards will be voided.
        • We may, in our sole discretion, introduce promotional offers that enable participants to earn additional value for the completion of actions specified in the Y-12 Federal Credit Union Referral Rewards during the promotional period. We are not responsible for changes to, or the discontinuance of, any promotion or for any effect on the accrual of rewards caused by changes or discontinuance to any promotion.
        • All offers and/or rewards are subject to verification for compliance with Y-12 Federal Credit Union Referral Rewards terms & conditions. We may withhold or not grant offers and/or rewards if we find that you have obtained offers and/or rewards in an illegal, fraudulent, or unethical manner, or if we feel that granting offers and/or rewards and allowing you to redeem them will expose us to any liability or the possibility of any legal damages.
        • We reserve the right to not to honor offers and/or rewards or disqualify anyone from the Member Referral Program if we feel, in our sole discretion, that fraudulent behavior or other unethical conduct has occurred in any way that compromises the fairness of the Program in any way.
        • We reserve the right to limit or cancel your Y-12 Federal Credit Union Referral Rewards account and offers and/or rewards at any time if you have violated these Program terms & conditions.        


      4.   Legal

        • Offers and/or rewards have no monetary value. They are non-transferable, non-assignable, and cannot be redeemed for cash or credit and we have not authorized them to be bartered or traded for any legal currency units. If the Y-12 Federal Credit Union Referral Rewards is terminated for any reason, or if your account with us or relationship with us is terminated for any reason, then your unused offers and/or rewards will be voided.
        • We may, in our sole discretion, introduce promotional offers that enable participants to earn additional value for the completion of actions specified in the Y-12 Federal Credit Union Referral Rewards during the promotional period. We are not responsible for changes to, or the discontinuance of, any promotion or for any effect on the accrual of rewards caused by changes or discontinuance to any promotion.
        • All offers and/or rewards are subject to verification for compliance with Y-12 Federal Credit Union Referral Rewards terms & conditions. We may withhold or not grant offers and/or rewards if we find that you have obtained offers and/or rewards in an illegal, fraudulent, or unethical manner, or if we feel that granting offers and/or rewards and allowing you to redeem them will expose us to any liability or the possibility of any legal damages.
        • We reserve the right to not to honor offers and/or rewards or disqualify anyone from the Member Referral Program if we feel, in our sole discretion, that fraudulent behavior or other unethical conduct has occurred in any way that compromises the fairness of the Program in any way.
        • We reserve the right to limit or cancel your Y-12 Federal Credit Union Referral Rewards account and offers and/or rewards at any time if you have violated these Program terms & conditions.