Loyalty Program Terms and Conditions
These Loyalty Program Terms (Terms) govern your participation in the Navicore Loyalty Program (Program) operated by Navicore Solutions, Inc. (Navicore, we, us, or our). Please read these Terms carefully, as they are a binding contract between you and Navicore.
Eligibility: To be eligible for the Program, you must (a) become a Navicore client on or after February 1, 2025, and (b) have (i) a credit score below 525 and (ii) a priority creditor, as determined by Navicore, on your Debt Management Program (DMP) (Eligible Clients).
Enrollment: Eligible Clients will receive an initial email introducing the Program (Program Email) and will be automatically enrolled if they do not affirmatively opt out. If you are an Eligible Client and you (a) do not wish to participate in the Program or (b) do not agree to these Terms, you must opt out by contacting us at clientservices@navicoresolutions.org. If you do not opt out within 10 days of receiving the Program Email, you are expressly representing to Navicore that you (a) choose to participate in the Program and (b) agree to these Program Terms (such Eligible Clients being Participants).
Program Description: The Program encourages Participants to make timely DMP payments by providing financial rewards to those who meet certain payment goals (Milestones). Participants who achieve the following Milestones will receive the corresponding reward (each, a Reward).
Milestone Reward
Participant makes 90% of payments for 3 consecutive months. $20 gift card
Participant makes 90% of payments for 6 consecutive months. $30 gift card
Participant makes 90% of payments for 12 consecutive months. $50 gift card
To achieve a Milestone and be eligible for the corresponding Reward, the Participant must make timely payments of at least 90% of the total due under the Participant’s DMP for each month. Eligibility is limited to the Participant’s first 12 months as a Navicore client.
Rewards: Rewards will be provided in the form of a digital general use gift card sent to the email address Navicore has on file for the Participant (Reward Email). Navicore has no liability for a Participant’s failure to receive the Reward Email due to spam, junk e-mail, or other email account settings or for the Participants’ provision of incorrect contact information. Navicore reserves the right to verify payments and may request information and documentation from Participants for this purpose. If a Participant fails to timely comply with any such requests, Navicore may, in its discretion, refuse to issue the Reward. Any tax liabilities arising from the receipt of a Reward are the responsibility of the Participant. Rewards are provided by Navicore “as is” and may be subject to additional terms and conditions; Participants should review gift cards and any accompanying materials for details.
Termination & Disqualification: Navicore reserves the right to terminate, suspend, and modify the Program in any manner for any or no reason. Navicore may disqualify any Participant and refuse to issue and/or revoke any Rewards if we determine that the Participant has: (i) acted in a fraudulent, dishonest, disruptive, or misleading manner in connection with to the Program; (ii) interfered with the proper functioning of the Program; or (iii) violated these Terms or any applicable law.
DISCLAIMER OF WARRANTIES & LIABILITY: THE PROGRAM IS PROVIDED BY NAVICORE "AS IS” AND WITH NO REPRESENTATION OR WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, ALL OF WHICH ARE HEREBY DISCLAIMED. UNDER NO CIRCUMSTANCES SHALL NAVICORE OR ITS OFFICERS, SHAREHOLDERS, EMPLOYEES, DIRECTORS, SUCCESSORS, OR ASSIGNS BE LIABLE FOR ANY DAMAGES ARISING IN CONNECTION WITH ANY PERSON’S PARTICIPATION IN THE PROGRAM. SOME JURISDICTIONS DO NOT PERMIT THE DISCLAIMER OF CERTAIN WARRANTIES AND DAMAGES. WHILE NAVICORE DOES NOT SEEK TO DISCLAIM ANY WARRANTIES OR DAMAGES THAT CANNOT BE DISCLAIMED UNDER APPLICABLE LAW, PARTICIPANTS AGREE THAT THE TERMS OF THIS PARAGRAPH SHALL APPLY TO THE GREATEST EXTENT PERMITTED BY APPLICABLE LAW.
Additional Terms: The Program may be subject to additional terms or rules (Additional Terms) presented by Navicore. All Additional Terms are incorporated by reference into these Terms; as such, any reference to the “Terms” herein includes the Additional Terms. In the event of a conflict between the terms herein and any Additional Terms, the Additional Terms control.
Other Agreements: These Terms do not modify or supersede any other agreement between (a) the Participant and Navicore or (b) the Participant and any other party, including any creditors.
Governing Law & Disputes: These Terms are governed by the laws of the United States and the state of New Jersey without giving effect to any conflict of laws principles. Any disputes between Navicore and a Participant pertaining to the Program or these Terms shall be resolved exclusively by a court located in New Jersey.