iChoicegiftcards.com Cardholder Agreement
CUSTOMER SERVICE CONTACT INFORMATION
180 Freedom Avenue, Murfreesboro, TN 37129
www.iChoicegiftcards.com
833-[___-____]
Email: [email protected]
IMPORTANT NOTICES:
(1) Tell the recipient they can find a link to this agreement at www.iChoicegiftcards.com
(2) Please read carefully. This agreement contains an Arbitration Clause requiring all
claims to be resolved by way of binding arbitration.
(3) Always know the exact dollar amount available on your card. The merchant may
not have access to determine your balance.
(4) If you do not agree to these terms, do not use the Card, save your receipt, and
cancel the Card by calling customer service and requesting a refund.
Fees and Expiration
There is a processing fee associated with your Card. Your Card does not expire.
This Cardholder Agreement
sets forth the terms and conditions under which an iChoice electronic gift card (“Card”) has been issued to you by Reading for Education, LLC (“RFE”). By accepting and using this Card or authorizing any person to use the Card, you agree to be bound by the terms and conditions contained in this Agreement. In this Agreement “You” and “your” mean the person or persons who have received the Card and are authorized to use the Card. “We,” “us,” and “our” mean collectively, RFE. We reserve the right to cancel or revoke the Card at any time, with or without notice, if we determine in our sole discretion that you have violated this Agreement, used the Card for fraudulent or illegal purposes, or if cancellation is required by applicable law or regulation. We may also cancel the Card for any other reason upon thirty (30) days' prior written notice to you. In the event of cancellation, any remaining Card balance will be refunded to you, subject to applicable law. Please read this Agreement carefully and keep it for future reference. This Agreement applies to both the purchaser and any other user of the Card. It is the purchaser's obligation to provide these terms and conditions to any user; however, new terms and conditions may be provided, or any other questions or concerns answered, by contacting Customer Service.
1. ABOUT YOUR CARD
Your Card is loaded with a specific amount of funds, redeemable online only at
redeem.ichoicecards.com 1 to buy select gift cards valid at one or more merchants
(“Merchant Gift Cards”). The Card cannot be used at physical locations. No additional
funds may be added to the Card. The Card is NOT a credit card. The Card is not a
1 NTD: This link does not appear to work. Please confirm this is correct.
checking account or connected in any way to any account other than a stored value
account where your funds are held. You will not receive any interest on funds held in
your Card account.
RFE will act as custodian of your funds upon its receipt of your funds. Once your Card is
activated, you will be able to provide RFE, as custodian, with instructions about the
funds accessible through the Card. Activation of the Card authorizes us to hold your
funds at RFE or as custodian to place your funds at one or more participating banks
(each a “Program Bank”). If you do not agree to your funds being held by us at RFE or
placed by RFE as custodian at other Program Banks, please immediately spend all the
funds on your Card. Card funds are not FDIC insured.
2. USING YOUR CARD
a. Accessing Funds and Limitations
You may use your Card to purchase one or more Merchant Gift Cards. Please review
the terms located on your Card and accompanying material for limitations on
redemption. Each time you use your Card, you authorize us to reduce the value
available on your Card by the amount of the transaction. Your Card cannot be: (1)
redeemed for its cash value; (2) used to obtain cash in any transaction; (3) used for
illegal transactions; (4) used to make foreign transactions; (5) used to pay credit card,
charge card, or similar accounts; (6) used to purchase Merchant Gift Cards that include
a purchase fee; or (7) used for purchases involving pre-authorized, automatic recurring
payments. For security reasons, we may limit the amount or number of transactions
you can make on your Card. We may refuse to process any transaction that we believe
may violate the terms of this Agreement. YOU ARE NOT ALLOWED TO EXCEED THE
BALANCE OF THE FUNDS AVAILABLE IN YOUR CARD. If you attempt to use the
Card when there are insufficient funds associated with it, the transaction will generally
be declined. Nevertheless, if a transaction that exceeds the balance of the funds
available on your Card occurs due to a systems malfunction or otherwise, you will
remain fully liable to us for the amount of the transaction.
Each Merchant Gift Card has a minimum and maximum load amount, which will be
shown on the selection page of the Website. The minimum load amount is generally $5.
The maximum load amount may vary among Merchant Gift Cards. If your Card has a
balance greater than the maximum load amount of a Merchant Gift Card you wish to
purchase, you may buy more than one of that Merchant Gift Card. PLEASE BE
CAREFUL NOT TO LEAVE A BALANCE LESS THAN $5 ON YOUR
iCHOICEGIFTCARD; if you do, you may not be able to purchase any Merchant Gift
Cards with the remaining balance. We will warn you if you are about to make a
purchase that would leave less than $5 on your Card, but if you do so anyway, please
call Customer Service to obtain a refund for any remaining balance.
Your Card is valid in the U.S. only.
b. Obtaining Card Balance Information
You may obtain information about the amount of money you have remaining on your
Card at no charge by contacting Customer Service or visiting your program dashboard
online. You may also obtain information about your Card transactions by contacting
Customer Service or visiting your program dashboard online.
c. No Stop Payment
You do not have the right to stop payment on any purchase transaction originated by
use of your Card.
d. Returns and Refunds
If you believe you are entitled to a refund for any reason for a Merchant Gift Card
purchased with your Card, contact Customer Service. Returns and refunds for goods or
services purchased with a Merchant Gift Card are handled exclusively by the
applicable merchant.
e. Receipts
You may wish to retain receipts as a record of transactions. You may need a receipt in
order to verify a transaction using your Card.
3. REPLACEMENT CARD
If you need to replace your Card for any reason, please contact Customer Service.
4. Communications COMMUNUCATIONS
If you initiate communications with us, you agree that we may monitor and record any calls or other communications between us and you. By entering into this Agreement, you also hereby agree and consent that we or our service providers may contact you by using an email system, by text, or artificial or recorded voice, and you agree to pay any service charges assessed by your plan provider for communications we send or make to you or that you send or make to us.
5. UNAUTHORIZED TRANSACTIONS
Treat this Card like cash. We generally cannot provide refunds for lost or stolen Card.
Fraudulent transactions may result in the loss of your money with no recourse.
However, if you believe your Card or Card information has been lost or stolen or an
unauthorized transaction has been made using the information from your Card without
your permission, contact Customer Service IMMEDIATELY. We will ask for the Card
number and other identifying details. We cannot assist you if you do not have the
Card number. We may not be able to assist you if you do not contact us within 60 days
of the unauthorized transaction.
6. NO WARRANTIES AND LIMITATION OF LIABILITY
We are not responsible for the quality, safety, legality, or any other aspect of any
Merchant Gift Card purchased with your Card. Further, we will not be liable: (1) If,
through no fault of ours, you do not have enough funds associated with your Card to
complete the transaction; (2) If the merchant refuses to accept a Merchant Gift Card; (3)
If your electronic device or your internet connection to the Website or to
www.ichoicegiftcards.com is not working properly; (4) If access to your Card has been
blocked after you reported your Card lost or stolen; (5) If circumstances beyond our
control (such as fire, flood or computer or communication failure) prevent the completion
of the transaction; or (6) For any other exception stated in our Agreement with you.
7. LEGAL NOTICES
a. English Language Controls
Translations of this Agreement that may have been provided are for your convenience
only and may not accurately reflect the original English meaning. The meanings of
terms, conditions, and representations herein are subject to definitions and
interpretations in the English language.
b. Assignability
You may not assign or transfer your Card or your obligations under this Agreement. We
may, however, transfer or assign our rights under this Agreement, including any
balances in your Card.
c. Other Terms
You will be notified of any change to this Agreement in the manner required by
applicable law prior to the effective date of the change. However, if the change is made
for security purposes, we can implement such change without prior notice. We do not
waive our rights by delaying or failing to exercise them at any time (for example,
assessing a fee less than described, or not all, for any reason does not waive our right
to begin charging the fee as set forth in this Agreement without notice). If any provision
of this Agreement is determined to be invalid or unenforceable under any rule, law, or
regulation of any governmental agency, local, state, or federal, the validity or
enforceability of any other provision of this Agreement will not be affected. This
Agreement will be governed by the law of the state of Tennessee except to the extent
governed by federal law. Any litigation arising out of or relating to this Agreement that is
not subject to the Arbitration Clause below shall be brought exclusively in the state or
federal courts located in Rutherford County, Tennessee, and you consent to the
personal jurisdiction of such courts. Should your Card have a remaining balance after a
certain period of inactivity, we may be required to remit the remaining funds to the
appropriate state agency.
8. PRIVACY
We may provide information to our employees, auditors, affiliates, service providers, or
attorneys as needed, or to any third party if you give us your written permission. We
may also collect: (1) Information about purchases made with the Card, such as date of
purchase, amount and place of purchase; (2) Information you provide to us for
replacement Card, or when you contact us with customer service issues, such as name,
address, phone number.
We may also disclose information about your Card or the transactions you make to third
parties in order to: (1) complete transactions; (2) verify the existence and condition of
your Card for a third party, such as the merchant; (3) provide customer services; (4)
process claims for lost or stolen Card; (5) help protect against fraud and to conduct
research and analysis; or (6) comply with government agency or court orders, or other
legal reporting requirements. To see our full Privacy Policy, please
visit www.readingforeducation.com
9. ARBITRATION AND JURY WAIVER
a. Jury Trial Waiver:
To the extent permitted by law, you and we knowingly
and voluntarily waive any right to trial by jury in the event of litigation arising out
of or related to this agreement. This Jury Trial Waiver does not modify in any
fashion the Arbitration Clause set forth in the following section, which contains
its own jury trial waiver.
b. Arbitration Clause:
You can opt out of this Arbitration Clause within 60
calendar days from the earlier of purchasing or using the Card. You must send
the opt out notice in writing to Reading for Education, LLC Customer Service, 180
Freedom Ave. Murfreesboro, TN 37129 (“Notice Address”). This Arbitration
Clause governs any dispute arising under this Agreement, aside from the validity
and coverage of this Arbitration Clause. Arbitrations will be conducted under the
rules of the arbitration administrator, as chosen by us. Arbitration may be
brought by you or us, and we will not demand arbitration if you bring an
individual action in small claims court. In addition to the Jury Trial Waiver above,
you also waive your rights to be a class member or bring suit in a class action or
class arbitration. In order to commence an arbitration, the party bringing the
dispute must send the notice and complaint in writing. You must send your notice
to the Notice Address. After receiving notice, the other party has 30 days to
attempt to resolve the issue before a suit or arbitration commences. We will pay
all costs associated with administering an arbitration, unless the arbitrator
determines your claim is frivolous, if you cannot get a waiver and ask us to pay.
Further, we will pay legal fees and costs if you win or as required by law or the
arbitrator. This Arbitration Clause will stay in force if your Card is closed or we
assign our rights under this Agreement. This Arbitration Clause and any rights to
appeal or requests for information will be governed by the Federal Arbitration Act
and the rules of the arbitrator.
This Card is issued by Reading for Education, LLC
180 Freedom Ave.
Murfreesboro, TN 37129
www.iChoicegiftcards.com
©2026 Reading for Education, LLC