Last Updated October 21, 2022
Stackit is a service offered by LendingClub that enables eligible users (“Stackit Users”) to earn Rewards for qualifying purchases from retailers, brands, merchants, or other participating third parties (“Merchants”), subject to the terms and conditions set forth herein. For purposes herein, “Rewards” means any incentive that you may earn through Stackit, including but not limited coupons, discounts, or other promotions offered by Merchants (collectively, “Offers”), or any cash back offered by us (“Cashback”).
Your access to and use of Stackit and Stackit Technology may be interrupted for the duration of any scheduled, unscheduled, or unanticipated downtime, suspension or other unavailability, for any reason and in our sole discretion, including without limitation: (i) as a result of power outages, system failures or other interruptions, (ii) for scheduled and unscheduled downtime to permit maintenance or modifications to Stackit or Stackit Technology, (iii) in the event of a denial of service attack or other attack or event that we determine may create any risk to us, you or any of our users, customers, or licensees, or (iv) in the event that we determine that any aspect of Stackit is prohibited by applicable law or otherwise determine that it is necessary or prudent to do so for legal or regulatory reasons. We shall have no liability whatsoever for any damage, liabilities, losses (including any loss of data or profits) or any other consequences that you may incur as a result of any downtime, suspension or other unavailability of Stackit or Stackit Technology. We cannot always foresee or anticipate technical or other difficulties which may result in failure to obtain data or loss of data, settings or other service interruptions. We do not assume responsibility for the timeliness, accuracy, deletion, non-delivery or failure to store any user data, communications or settings.
We may terminate your access to all or any part of Stackit or Stackit Technology at any time, with or without cause, with or without notice, effective immediately, which may result in the forfeiture and destruction of all information associated with your use of Stackit and cancellation of any Rewards which remain unpaid.
A Browser Extension enables us to display relevant Offers, Cashback, or other Rewards in your browser when you visit certain websites. When you are interacting with a Browser Extension, we will collect information about the Merchants, Offers, Cashback, or other Rewards that you select. A Browser Extension may also have functionality that does not depend upon your interaction with it. By installing a Browser Extension, you enable the Browser Extension to automatically collect information on the pages you visit using your browser so we can display relevant Offers, Cashback, or other Rewards. A Browser Extension may also collect information on the results pages of any searches you make so it can display Offers, Cashback, or other Rewards where relevant.
We may update a Browser Extension when a new version is released or when new features are added. These updates occur automatically. We reserve the right to add features or functions to a Browser Extension but have no obligation to make available to you any subsequent versions or new features that may be included in some versions of the Browser Extension.
LendingClub members who have obtained a Personal Loan from LendingClub or through LendingClub platform are eligible to access Stackit and earn Rewards.
Rewards may include Offers, Cashback, or other referral bonuses activated by the creation of trackable links (each, a “Link”) for one or more Merchants. A Link may be embedded within a browser or other form of digital communication and may redirect you, or direct recipients with whom you share the Link, to one or more Merchants. In general, Links are configured to track and attribute transactions to you so that you may earn Rewards if you or someone to whom you send a Link completes a transaction with a Merchant.
Some transactions may not earn Rewards or may earn Rewards at a rate which is different from the rate indicated by Stackit. You are not guaranteed to earn Rewards from a transaction even if you (i) create a Link, (ii) share a Link, (iii) take an action to activate Cashback, (iv) receive a notification from Stackit, (v) receive an indication from Stackit that a transaction is eligible to earn Rewards, (vi) cause a transaction to be completed (whether directly or as a result of sharing a Link with someone who completes a transaction), or (vii) receive from Stackit a confirmation regarding a successful transaction. We may be required to nullify Rewards due to limitations established by certain Merchants that prohibit payments to Stackit Users who reside in certain geographies due to tax nexus or other considerations.
Even if the Stackit indicates that a transaction is eligible for or has generated Rewards, the transaction may fail to earn Rewards for several reasons, without notice to you, including without limitation: (i) Merchants may alter terms, conditions, or commission rates; (ii) Merchants may discontinue their programs; (iii) Merchants may exclude certain products or services from Rewards eligibility; (iv) Stackit may be suspended or terminated; (v) technical failures.
Technical failures related to Merchants or Stackit may result in transactions failing to be tracked or attributed to you. Links may fail to function properly, and Link tracking may cease to function during transmission when you share a Link with others. Links may be altered or disabled by web browsers or ad blockers. Merchants may reject transactions due to suspected policy violations. The communication channel or browser through which a Link is activated or shared may modify or block the Link, alter the tracking code, or strip out the tracking code.
Some Rewards originate from compensation we receive from Merchants. Merchants may have holdback periods during which they hold a pending payment for a specified period, for example, until the expiration of a return policy and/or until a service is consumed. If we are not paid for a transaction by a Merchant, we will not provide any associated Rewards to you. We will only provide such Rewards to you after the transaction is successfully tracked and completed and after we receive payment for that specific transaction from the Merchant. If, for any reason or no reason, the Merchant pays less than expected amount or does not compensate us for the transaction, we reserve the right, in our sole discretion, to adjust or cancel the associated Rewards.
Any Reward amount which may be due to you is determined by us in our sole discretion. We reserve the right, in our sole discretion, to withhold, cancel or adjust the amounts or rates of any Rewards or Rewards payment, at any frequency for any reason at any time without notice to you, and we may apply such adjustments for all pending and unpaid Rewards. By using Stackit, you accept this condition. Additionally, we may choose in our sole discretion to institute a limit on how many times you may receive Rewards. We reserve the right at any time to cancel, modify, or restrict any aspect of Stackit and apply such changes retroactively to any Rewards which are accrued but not yet paid.
You may be rewarded for transactions completed by you or by others who click on a Link you have shared with them. You agree not to engage in or facilitate the promotion of Links through any channels that we do not permit (“Unapproved Channels”), including but not limited to those listed below. If you have questions or concerns about whether a specific promotional method is acceptable, please contact us in writing for written authorization before you begin using such a promotional channel. Failure to adhere to these restrictions may result in termination of your use of Stackit and the voiding of any unpaid Rewards. You agree not to allow any unauthorized third-party access to Stackit or to any information, data, text, links, images, software, chat, communications, and other content made available to you in connection with your use of Stackit. You agree to maintain the confidentiality of any usernames and passwords by which you access Stackit.
You agree not to edit, remove or modify any element contained in a Link. Changing the Link may invalidate it or cause it to be inoperable. Certain communication platforms may block, alter or otherwise disable a Link, in which case the tracking and attribution may be inoperable, in which case no Reward shall be earned. Some Merchants may place cookies (or other forms of tracking beacons) on your device to recognize your device during a subsequent visit. This may enable the sender of the Link to earn a Reward for transactions which occur after the initial click on a Link. If you, or those clicking on your shared Link, block or delete cookies, tracking and attribution may be inoperable, in which case no Reward will be earned.
You are responsible for all usage and activity associated with your device and any account you may establish with us. If you attempt to earn Rewards by recommending a product or Merchant using a Link, the FTC Endorsement Guides may require you to reference that fact within your message when you send a Link. Learn more at www.ftc.gov/tips-advice/business-center/guidance/ftcs-endorsement-guides-what-people-are-asking.
By using Stackit, you opt in and grant us the right to send you emails, text messages, app notifications and other forms of communications relating to your account, customer service inquiries, Rewards, payment information, promotional opportunities, and third party notices.
When you activate Cashback and complete a purchase of an eligible product or service from a participating Merchant (or if you share a Link with someone who completes an eligible transaction using the Link), this may generate pending Cashback, which is conditional until confirmed by us. Any information sent or displayed to you regarding Cashback shall not create a contractual obligation.
Cashback is redeemable in store e-gift cards or general-use e-gift cards via Tango Card Inc.(“Tango”). For the avoidance of doubt, Rewards offered through Stackit are not a gift certificates, store gift cards, or general-use prepaid cards issued by LendingClub. When you redeem your Cashback, you will be asked to acknowledge and agree to Tango’s terms of service and privacy notice. Additionally, you must not be a resident of a country subject to economic or trade sanctions by the U.S. State Department or U.S. Treasury Department’s Office of Foreign Assets Control (“OFAC”) or be listed as a “Specially Designated National,” a “Specially Designated Global Terrorist,” a “Blocked Person” or similar designation under the OFAC sanctions regime. You further agree to provide additional information we may reasonably request to verify your identity as a condition for receiving payment.
Stackit Users may redeem their Cashback at any time after their outstanding Cashback balance equals to or exceeds $5.00. If Stackit Users select to redeem eligible Cashback balance, the entire balance (“Redemption Balance”) will be available for redemption via Tango at that time. Redemption of partial Cashback balances is not permitted. Cashback balances below $5.01 will remain within Stackit for potential redemption in the future. Stackit Users may redeem the Redemption Balance in one or more e-gift cards until the Redemption Balance is $0. Cashback accrual rates vary depending on Merchant policies and reporting schedules. For example, Cashback for travel-related purchases typically does not accrue until after travel has been completed. We reserve the right to delay Rewards for any purchase based on changes to Merchant policies at any time. We are not responsible for e-gift cards delivered to the wrong person or address, or for e-gift card errors made by Tango.
In our sole discretion, we may deduct amounts from your Cashback balance to make adjustments for returns and cancellations with respect to Cashback-eligible purchases. Whether a given purchase qualifies for Cashback is determined in our sole discretion. If a Merchant fails to report a transaction to us or fails to make payment to us for any reason in connection with a transaction, we reserve the right to cancel the Cashback associated with that transaction. It is your responsibility to monitor your Cashback status to ensure that Cashback has been properly credited and paid, and that your Cashback balance is accurate. If you believe that a Cashback amount has not been correctly credited to you, you must contact us within ninety (90) days of the transaction.
We reserve the right, without notice to you, to add or remove Merchants, change commission rates from Merchants, and determine to which Merchant we direct a Link. You agree that we have the right, but not the obligation, to seek on your behalf any and all Rewards or potential Rewards from Merchants. You agree that we have no special relationship with or fiduciary duty to you and you acknowledge that we have no duty to take any action regarding any Rewards or potential Rewards from any Merchants. We do not guarantee that merchants will honor Offers. Offer codes may be expired or invalid. Offers may not be eligible for your transaction, based upon exclusions, terms and conditions determined by Merchants.
A product or service purchased from any Merchant or other third party is governed by and subject to the policies, including applicable exchange and shipping policies, of such Merchant or other third party. You agree that we are not agents of any Merchant or other third party. Accordingly, your participation in any offer or transaction with any Merchant or other third party, and your correspondence with any Merchant or other third party, is solely between you and that Merchant or other third party. We do not assume any liability, obligation, or responsibility for any part of such offer, transaction, or correspondence, including, without limitation, the withdrawal or modification of any such offer or transaction. We are not responsible for any changes to or discontinuance of any Merchant or other third party, for the withdrawal of any Merchant or other third party from Stackit, or for any effect on the accrual of Cashback caused by such changes, discontinuance, or withdrawal.
You acknowledge and agree that we shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or relating to your use of or reliance on any such transaction, purchase, content, goods or services available from or through any such Merchant or third party. By using Stackit, you release and hold us harmless from any and all liability arising from your use of any Merchant or third-party website or service. If there is a dispute between you and any Merchant or third party, you agree that we are under no obligation to represent your interests in any way.
To the maximum extent permitted by applicable laws and regulations, you release LendingClub, its officers, employees, agents, and successors from claims, demands, and damages of every kind or nature, known or unknown, suspected or unsuspected, disclosed or undisclosed, arising out of or in any way related to your use of Stackit. If you are a California resident, you shall and hereby do waive California Civil Code Section 1542, which says: “A GENERAL RELEASE DOES NOT EXTEND TO CLAIMS THAT THE CREDITOR OR RELEASING PARTY DOES NOT KNOW OR SUSPECT TO EXIST IN HIS OR HER FAVOR AT THE TIME OF EXECUTING THE RELEASE, AND THAT IF KNOWN BY HIM OR HER WOULD HAVE MATERIALLY AFFECTED HIS OR HER SETTLEMENT WITH THE DEBTOR OR RELEASED PARTY.”
You are responsible for independently assesses and complying with all relevant tax and legal requirements. We do not and will not provide you with tax or legal advice. In the event that, during any single calendar year, a Reward payment would result in payment to you of $600 or more, we may require you to provide us with a completed IRS form W-9 and we may thereafter issue a Form 1099 for that calendar year. We may utilize a third-party service provider to perform this function. If we require a completed form W-9 from you and you fail to provide one, we reserve the right to void any Rewards.