This Neutin Gifted Rewards® (“Rewards Program”) Terms of Service (the “Terms”) sets out Finance Guru LLC’s (“Finance Guru”, “We”, “Us”, “Our”) terms relative to the Rewards Program for the authorized Member (“You”, “Your”, or “Members” generally). By participating in the Rewards Program, You agree to be bound by these Terms.


I.  The Rewards Program

a.  Offers Provided through Our Merchant Partners

Our Rewards Program offers You access and use of the Neutin Gifted Rewards® catalogue containing money saving offers or incentives (collectively the “Offers”), which are made available through Our network of Merchant partners (“Merchants”). These may include savings coupons, vouchers or other cost saving opportunities made available to You. You will be able to search for Offers based on Merchant, product categories, and other criteria that may be made available. To facilitate Your access to the Rewards Program, You authorize Us to use various third-party partners (“Third-Party Partners”) for the purpose of delivering services to You, which may include the sharing of Your data and other details relating to Your Membership. Examples may include partners that are processing payments, call centers to provide Member support or engage in marketing communications, or investigating disputes.

Offers generally will be valid only for those Merchants issuing the Offer and may have terms and conditions that Merchants will specify. Examples of this may be limitations as to when, how, and who can redeem an Offer. Terms by Merchants will governing all requirements to redeem the Offer. Offers also will generally be valid for period and may have additional restrictions that Merchants impose and will be limited to one Offer per Member and may not be combined with another Offer at a single transaction.

b.  How to Use the Rewards Program

You may access the Rewards Program through our secure mobile application (the “Application”) or through our website (the “Website”), with log-in credentials provided to You. You may not share the log in credentials with any other person or entity. Merchants may allow the Offers or Incentives to be redeemed through printable coupons or through codes that may be displayed on the Application or entered at a Merchant’s point of sale. It is Your responsibility to present the Offer to a Merchant to redeem the savings therewith.

As a Member, You agree to use the Rewards Program only in the United States and for only lawful purposes. You further agree to not breach the terms of this Agreement or any applicable law, to not allow any other person (other than your immediate nuclear family) or entity to use Your Membership, to not use Your Membership for any commercial or business purpose, and to not use Your Membership in connection with any fraudulent, unethical, negligent or illegal purpose or manner.

c.  Membership Eligibility

To be eligible for a Membership, You must be a lawful resident of the United States, be over the age of 18, and have legal capacity to enter into this Agreement.

d.  Contacting You

During the course of Your Membership, We may need to contact You through email, SMS or by phone about managing your Membership or other aspects of the Rewards Program. You understand that message and data rates may apply to these communications. We require Your valid e-mail and current phone number to contact You. If We cannot contact You, We reserve the right to terminate your Membership at any time.

e.  Linking Your Card(s)

To participate in the Rewards Program, You will be required to maintain at least one payment card registered with Us, and You may link this card with Our Third-Party Partners to monitor and access your Offers. Certain Offers may require that You use your linked card to purchase or redeem the Offer to qualify your purchase. If your linked card expires or otherwise is no longer valid,You are responsible for updating Your account with a valid card to maintain your Membership.

While You are a Member in the Rewards Program, You authorize Us to debit Your linked card for your Cost of Membership (Section II below). You further understand and agree that certain Transactional Data (defined in the Privacy Policy) may be generated and shared with Us as part of your Membership. Transactional Data shall be owed by Us and may be used for any legal or other business objectives We may have subject to the terms of the Privacy Policy.

II.  The Cost of Membership; Your Billing Obligations

a.  Membership Fee

Membership in the Rewards Program is made available on Monthly, Quarterly, or Annual Terms (the “Term”). Memberships will automatically renew for successive Terms of the same length as the Member’s Term (the “Renewal Term(s)”) unless You submit a Request to cancel or modify your Membership Term on the Application or the Website, or by contacting Us through or by calling 1 888 995 0263. Memberships may not automatically renew if You fail to pay the Membership Fee or otherwise breach this Agreement.

Membership Fees are as follows: Monthly: $9.99; Quarterly: $29.99; or Annual: $99.99. All Membership Fees will be charged to your Linked Card in their entirety when a Membership Term commences. Thereafter, Membership Fees shall be due and billed on the date upon which your Term expires, with a notice being sent to You fourteen (14) calendar days before your Membership Term is set to renew. If You do not make your payment of Membership Fees when they it is due, your Membership will continue for ten (10) calendar days while We attempt to secure payment from You. During the ten (10) days after Your payment is not made, We may attempt to charge Your card again. If those attempts are not successful, and You do not renew, Your Membership will be terminated at the conclusion of the active Term.

We reserve the right to modify any Membership Fees at any time, with any change being effective, with prior notice to You via email, at Your next Term. Membership Fees may only be paid through a Member’s linked card, and no payments in cash, personal or cashier’s check or through any other method will be accepted.

Membership Terms will be tracked by the date upon which You become a Member, such that someone who becomes a monthly Member on April 10th, will have their monthly Membership run until May 10th; someone who becomes a quarterly Member on August 15th will have their quarterly Membership continue until November 15th.

b.  Billing Process

We will contact You no less than fourteen (14) calendar days before your Membership Term is set to renew. You understand and authorize Us to automatically debit your linked card your Membership Fee when we provide You notice of your term renewal when it is due, which shall at no time be less than fourteen (14) calendar days before Term renews. Debits to Your linked card will appear as ‘NEUTIN GIFTED REWARDS’ on your billing statement.

c.  Your Right to Cancel or Suspend Your Membership; Refunds

You may cancel Your Membership at any time before the start of Your Renewal Term by submitting a request on the Application or Website, or by contacting Us through Membership Terms, once initiated shall be non-refundable. Refunds will not be issued for Membership months during which the Membership was available to You.

III.  License

a.  Subject to Your compliance with these Terms, the User Agreement and the Privacy Policy, We grant You, during the Term of Your Membership, a limited, non-exclusive, and nontransferable limited license to: participate in the Rewards Program, as well as download, install, and use the Application for your personal, non-commercial use on a single mobile device owned or otherwise controlled by You strictly in accordance with these Terms, the User Agreement and the Privacy Policy.

b.  Accessing the Rewards Program and Account Security

We reserve the right to withdraw or amend the Rewards Program, and any service or material we provide on the Application or Website, in our sole discretion without notice. We will not be liable if for any reason all or any part of the Application or Website is unavailable at any time or for any period. From time to time, we may restrict access to some parts of the Website, or the entire Application or Website, to users, including registered users. You are responsible for both:

  • Making all arrangements necessary for you to have access to the Application or Website.
  • Ensuring that all persons who access the Website through your internet connection are aware of these Terms of Use and comply with them.

c.  Security.

i.  To access the Application or Website or some of the resources it offers, You may be asked to provide certain registration details or other information. It is a condition of your use of the Website that all the information You provide on the Website is correct, current, and complete. You agree that all information You provide to register with this Website or otherwise, including, but not limited to, through the use of any interactive features on the Website, is governed by Our Privacy Policy, and You consent to all actions we take with respect to Your information consistent with our Privacy Policy.

ii.  If You choose, or are provided with, a user name, password, or any other piece of information as part of our security procedures, You must treat such information as confidential, and you must not disclose it to any other person or entity. You also acknowledge that Your account is personal to You and agree not to provide any other person with access to this Application or Website or portions of it using Your user name, password, or other security information. You agree to notify us immediately of any unauthorized access to or use of your user name or password or any other breach of security. You also agree to ensure that you exit from your account at the end of each session. You should use particular caution when accessing Your account from a public or shared computer so that others are not able to view or record Your password or other personal information.

iii.  We have the right to disable any user name, password, or other identifier, whether chosen by You or provided by Us, at any time in our sole discretion for any or no reason, including if, in our opinion, you have violated any provision of these Terms of Use.

IV.  Changes to these Terms of Service

We may revise and update these Terms from time to time in our sole discretion. All changes are effective immediately when we post them. Your continued use of the Rewards Program following the posting of revised Terms of Use means that you accept and agree to the changes. You are expected to check this page from time to time so you are aware of any changes, as they are binding on you.

V.  Acceptable Use by You

a.  You understand that Your activity in using the Rewards Program may be monitored and that You have no expectation of privacy in relation to activities You conduct through Your Membership.

b.  You may not use Your Membership to:

i.  Participate, facilitate, or otherwise carry out, directly or indirectly, any fraudulent transactions, or otherwise violate the terms of this Agreement or violate any applicable laws;

ii.  Re-market, re-distribute or represent the Offers, Rewards Program or any aspect of Your Membership in furtherance of any commercial purpose, including re-marketing the Offers or Rewards Program in any other commercial venture whatsoever;

iii.  Distribute information that infringes our or any third party’s copyright, patent, trademark, trade secret or other proprietary rights;

iv.  Distribute information that violates any law, statute, ordinance or regulation;

v.  Distribute information that is trade libelous, unlawfully threatening, unlawfully harassing, defamatory, obscene, explicit or vulgar, or otherwise injurious to us or third parties or that infringes on our or any third party’s rights of publicity or privacy;

vi.  Distribute, through any form of conduct, knowingly or unknowingly, any data, information or other material that contains any viruses, worms, Trojan horses, trap doors, back doors, easter eggs, time bombs, cancelbots or other code or computer programming routines that contain contaminating or destructive properties or that are intended to damage, detrimentally interfere with, surreptitiously intercept or expropriate any system, data or personal information; or

vii.  Distribute information containing or constituting chain letters, mass mailings, political campaigning, or any form of “spam.”

VI.  Prohibited Uses and Acceptable Use by You:

i.  You may use the Rewards Program, Application or Website only for lawful purposes and in accordance with these Terms of Use. You agree not to use the Rewards Program, Application or Website:

a.  In any way that violates any applicable federal, state, local, or international law or regulation (including, without limitation, any laws regarding the export of data or software to and from the US or other countries).

b.  For the purpose of exploiting, harming, or attempting to exploit or harm minors in any way by exposing them to inappropriate content, asking for personally identifiable information, or otherwise.

c.  To send, knowingly receive, upload, download, use, or re-use any material that does not comply with the Terms of Use.

d.  To transmit, or procure the sending of, any advertising or promotional material, including any “junk mail,” “chain letter,” “spam,” or any other similar solicitation.

e.  To impersonate or attempt to impersonate Us, another user, or any other person or entity associated with any of the foregoing.

f.  To engage in any other conduct that restricts or inhibits anyone’s use or enjoyment of the Rewards Program, Application or Website, or which, as determined by us, may harm Us or users of the Rewards Program, Application or Website, or expose them to liability.

ii.  Additionally, you agree not to:

g.  Use the Rewards Program, Application or Website in any manner that could disable, overburden, damage, or impair the site or interfere with any other party’s use of the Website, including their ability to engage in real time activities through the Rewards Program, Application or Website.

h. Use any robot, spider, or other automatic device, process, or means to access the Rewards Program, Application or Website for any purpose, including monitoring or copying any of the material on the Website.

i.  Use any manual process to monitor or copy any of the material on the Rewards Program, Application or Website, or for any other purpose not expressly authorized in these Terms of Use, without our prior written consent.

j.  Use any device, software, or routine that interferes with the proper working of the Rewards Program, Application or Website.

k.  Introduce any viruses, Trojan horses, worms, logic bombs, or other material that is malicious or technologically harmful.

l.  Attempt to gain unauthorized access to, interfere with, damage, or disrupt any parts of the Rewards Program, Application or Website, the server on which the Rewards Program, Application or Website is stored, or any server, computer, or database connected to the Rewards Program, Application or Website.

m.  Attack the Rewards Program, Application or Website via a denial-of-service attack or a distributed denial-of-service attack.

n.  Otherwise attempt to interfere with the proper working of the Website.

VII.  User Agreement and Privacy Policy.

a.  These Terms are issued to You pursuant to the User Agreement and Privacy Policy, which are incorporated herein by reference. All capitalized terms herein have the same meaning as set forth in the User Agreement.

VIII.  Contacting Us

a.  You may contact Us through or by calling 1 888 995 0263 or through mailing us at 550 W. Van Buren, Suite 1100, Chicago, Illinois.