Please read these terms and conditions carefully before using this online site

Last updated: 05/09/2024

This online site that may be accessed through a website, a mobile application or a browser extension (the “Site”), is provided by Synchrony Bank (“Bank”). Bank is the issuer of the retailer or dealer branded credit cards (including any retailer or dealer branded Visa, Mastercard®, American Express® or Discover cards) (each, respectively, a “Card”) or installment or other financing product, or maintains the deposit accounts and related services (in each case, an “Account”) which may be associated or used with this Site. In these terms and conditions, the term “Retailer” relates to each retailer/dealer/merchant that is associated with a Card account or financing product and “you” or “your” means an individual that is the applicant or holder of an Account.

This Site may be used to obtain information about an Account, obtain and submit an application for an Account, and/or to perform account servicing functions for an Account. With regard to a Card or other financing Account, these functions may include, without limitation, to view Account summaries, make payments, review payment history, and view transaction history or to make purchases through a third-party site, using an Account. With regard to a deposit Account, these functions may include, without limitation, to view Account summaries, initiate transfers to or from an Account, provide instructions for certificate of deposit renewals, change Account beneficiaries and view transaction history. Bank may change, modify, remove, suspend, discontinue or terminate any aspect of this Site or service, including the availability of any features or content at any time without notice or liability. Bank, in its sole discretion, may also impose limits or restrictions on certain services, features or content, or terminate your access to parts or all of this Site or service without notice or liability.

The provisions herein are referred to as the “Terms and Conditions” and constitute an agreement between you and Bank. YOU ACKNOWLEDGE AND AGREE THAT YOU HAVE READ THESE TERMS AND CONDITIONS CAREFULLY, UNDERSTAND EACH OF THEM AND AGREE TO BE BOUND BY ALL OF THEM. IF YOU DO NOT AGREE TO THESE TERMS AND CONDITIONS AND THE SYNCHRONY ONLINE PRIVACY POLICY (WHICH ALSO GOVERNS YOUR VISIT TO THE SITE AND WHICH IS INCORPORATED BY REFERENCE INTO THESE TERMS AND CONDITIONS), AS AMENDED FROM TIME TO TIME, YOU MAY NOT USE OR OTHERWISE ACCESS THIS SITE AND SHOULD EXIT THE SITE. These Terms and Conditions apply exclusively to your access to and use of the Site and do not alter the terms and conditions of any other agreement you may have with Bank, including the Account agreement for your Account. Please note that these Terms and Conditions contain waivers by you of certain rights you may have against Bank and its affiliates.

Restrictions on use/user conduct

In order to use this Site, you must be at least 18 years old or have reached the age of majority in your state of residence and be a resident of the United States. If you do not satisfy these restrictions on use, please do not use the Site or download materials from the Site.

In addition, use of the Site is restricted to personal, family or household use. The Site may not be used for commercial purposes or for governmental purposes.

In using this Site, you agree:

• Not to disrupt or interfere with the security of, or otherwise abuse, the Site, or any services, system resources, accounts, servers, or networks connected to or accessible through the Site or affiliated or linked websites;
• Not to disrupt or interfere with any other user’s enjoyment of the Site or affiliated or linked Sites;
• Not to upload, post or otherwise transmit through or on the Site any viruses or other harmful, disruptive or destructive code, files or programs;
• Not to use or attempt to use or access another person’s account or personal information, or create or use a false identity on the Site;
• Not to attempt to obtain unauthorized access to the Site, Bank’s servers or networks or portions of the Site or affiliated or linked websites which are restricted from general access; and
• Not to use any robot, spider, or other automatic device, or manual process to monitor, extract, collect, harvest or copy Site or any data or data fields contained at the Site including, but not limited to, personally identifiable information of any other user of the Site.

In addition, you agree that you are solely responsible for actions and communication undertaken or transmitted for your Account, and that you will comply with all applicable local, state and federal laws and regulations, that relate to your use of activities on this Site and affiliated or linked websites.

Online privacy policy

The Bank has an Online Privacy Policy that describes the types of information that Bank collects from you, your computer and/or your mobile device (as applicable) when you access or use the Site and affiliated websites.

Account information

This section applies only if billing or periodic statements are provided for your Account: Information regarding your Account, including account, transaction and payment information that may be provided via the Site are in addition to, and do not replace, your Account billing or periodic statement. In the event of a conflict with account, transaction or payment information provided on the Site, your relevant Account billing or periodic statement shall govern.

Information provided by you

You represent and agree that all information you provide to Bank in connection with the Site is accurate, current, and complete and that you have the right to provide such information to Bank for the purposes of using the Site. You agree not to misrepresent your identity or your Account information. Bank does not want you to, and you should not, send any confidential or proprietary information to Bank via the Site, except for certain information requested in the application for an Account or in connection with performing account servicing functions for an Account. You further agree that, except as provided in Bank’s Online Privacy Policy, any information or materials that you or individuals acting on your behalf provide to Bank will not be considered confidential or proprietary. By providing any such information or materials to Bank, you grant to Bank an unrestricted, irrevocable, worldwide, royalty-free license to use, reproduce, display, publicly perform, transmit, and distribute such information and materials, except as limited by Bank’s Online Privacy Policy, and you further agree that Bank is free to use any ideas, concepts, or know-how that you or individuals acting on your behalf provide to Bank. You further recognize that Bank does not want you to, and you warrant that you shall not, provide any information or materials to Bank that are defamatory, threatening, obscene, harassing, or otherwise unlawful, or that incorporates the proprietary material of another.

System requirements and fees

You acknowledge that you have the appropriate computer/device system and Internet access to use the Site and understand that your use of the Internet may incur certain operational costs such as monthly fees for a service provider. You are solely responsible for any and all telephone and other communications charges and equipment costs relating to your use of the Site. All transmissions by you via the Site shall be at your sole risk and Bank shall not be responsible for any communications line failure, equipment or systems failure or other such occurrence.

Consent to electronic signatures

Your affirmative actions in using this Site, such as clicking “I Accept,” “Submit” and the like and uploading of data to us, signify that you agree to adopt and execute the action or electronic record with the intention to be legally bound. Such affirmative actions will have the same legal force, effect, validity and enforceability as if you affixed a written signature to the electronic record, and such electronic signature and electronic record shall be deemed to satisfy the writing and delivery requirements of any applicable law. You agree not to contest the admissibility, legal effect, validity or enforceability of such electronic signatures in any proceeding arising out of use of the Site.

Security

You understand that mobile applications and the Internet are not fully secure against interception or attacks from third parties. We will try to keep this channel secure but you acknowledge that, regardless of whether you are using a web browser with security features, we are unable to ensure that data contained in any related Internet transmission between us will not be intercepted by third parties. You agree that we will not be liable should any such interception occur.

We may utilize passwords and other security devices to protect your Account from unauthorized access and you agree to protect and keep confidential, as applicable, your Account number, user ID, passwords and any other security credentials or log-in information used on the Site. If you disclose your Account number, user ID, password or any other security credentials or log-in information to any person(s) or entity, you assume all liability associated with such disclosure. If you permit any person(s) or entity, including any data aggregation service providers, to use your security credentials to access your Account, you are responsible for all transactions and activities associated with your Account and for any use of your information by such person(s) or entity.

Except as otherwise may be provided in the Account agreement, Bank is not responsible for any losses that result from the loss or theft of your mobile device or the loss or theft of your information transmitted from or stored on your mobile device. You must report immediately any unauthorized use of your Account on the Site by contacting Bank’s customer service (at the number that may be found on this Site and, if applicable, on the back of your Card, or on a billing or periodic statement).

You authorize your wireless carrier to use or disclose information about your account and your wireless device, if available, to Synchrony Bank or its service provider for the duration of your business relationship, solely to help them identify you or your wireless device and to prevent fraud. See our Online Privacy Policy for how we treat your data.

Making payments on the site

By entering your user ID and Password (or other log-in information) when accessing the Site, you authenticate yourself and confirm your agreement to the payment authorization contained in these Terms and Conditions. Your payment has to be scheduled by the due date on your Account in order for the payment to post on time, without a late fee (if applicable). If permitted, your payment may be scheduled in advance of your payment due date. Your Payment will be credited to your Account on the day when you make it but may not be displayed on your Account for up to 48 hours. Subject to our receipt of funds from your payment, your available credit (if applicable to your Account) will be updated within two business days of the Payment Date. If permitted, you may use the Site to cancel any future scheduled payments.

Limited license

Subject to these Terms and Conditions, Bank grants you a non-exclusive, non-transferable, limited right to access, use and display the Site and the materials thereon (“Materials”). You may not modify the Materials in any way or reproduce or publicly display, perform, or distribute or otherwise use them for any public or commercial purpose. You agree to abide by all additional restrictions displayed on the Site as it may be updated from time to time. The Site, including all Materials, is copyrighted and protected by worldwide copyright laws and treaty provisions. You agree to comply with all copyright laws worldwide in your use of the Site and to prevent any unauthorized copy of the Materials. Except as expressly provided herein, Bank does not grant any express or implied right to you under any patents, trademarks, copyrights or trade secret information.

Disclaimer of warranties

Bank shall not be responsible for the accuracy, completeness or use of any information received by you through the Site. THE SITE, INCLUDING ALL SOFTWARE FUNCTIONS AND CONTENT, ARE PROVIDED ON AN “AS IS” OR “AS AVAILABLE BASIS.” BANK DOES NOT MAKE ANY REPRESENTATION OR WARRANTY, EXPRESSED OR IMPLIED, STATUTORY OR ARISING FROM COURSE OF conduct, INCLUDING WITHOUT LIMITATION ANY WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT. BANK DOES NOT MAKE ANY WARRANTY THAT YOUR USE OF THE SITE OR THE MATERIALS WILL BE UNINTERRUPTED, TIMELY, SECURE OR ERROR FREE, OR THAT DEFECTS, IF ANY, WILL BE CORRECTED, OR THAT THE SITE IS FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. SOME JURISDICTIONS DO NOT ALLOW FOR THE EXCLUSION OF IMPLIED WARRANTIES, SO THE ABOVE EXCLUSIONS MAY NOT APPLY TO YOU. BANK RESERVES THE RIGHT, IN ITS SOLE DISCRETION, TO MAKE ANY CHANGES TO THE SITE, THE MATERIALS AND THE PRODUCTS, PROGRAMS OR SERVICES DESCRIBED IN THE SITE AT ANY TIME WITHOUT NOTICE.

Limitation of damages

BANK, ITS AFFILIATES, AND THEIR RESPECTIVE DIRECTORS, OFFICERS, EMPLOYEES AND AGENTS SHALL NOT BE RESPONSIBLE TO YOU OR ANY THIRD PARTY FOR ANY TRANSMISSIONS NOT ACTUALLY RECEIVED OR FOR MALFUNCTIONS IN COMMUNICATIONS FACILITIES WHICH MAY AFFECT THE ACCURACY OR TIMELINESS OF THE ELECTRONIC RECORDS SENT, OR FOR ANY LOSSES, ERRORS OR DELAYS ARISING OUT OF YOUR USE OF THE SITE OR ANY BROWSER SOFTWARE. IN NO EVENT SHALL BANK, ITS AFFILIATES AND THEIR RESPECTIVE DIRECTORS, OFFICERS, EMPLOYEES AND AGENTS, BE LIABLE FOR DIRECT, INDIRECT, INCIDENTAL, SPECIAL, PUNITIVE OR CONSEQUENTIAL DAMAGES (INCLUDING BUSINESS INTERRUPTION, LOSS OF INFORMATION OR PROGRAMS OR OTHER DATA ON YOUR INFORMATION HANDLING SYSTEM), EVEN IF BANK IS EXPRESSLY ADVISED OF THE POSSIBLITY OF SUCH DAMAGES, RELATED TO YOUR USE OR ACCESS TO, OR YOUR INABILITY TO USE OR ACCESS, THE SITE, ITS CONTENT OR FUNCTIONS OR ANY LINKED WEBSITE. IN NO EVENT SHALL THE AGGREGATE LIABILITY OF BANK, ITS AFFILIATES, AND THEIR RESPECTIVE DIRECTORS, OFFICERS, EMPLOYEES AND AGENTS, EXCEED ONE HUNDRED DOLLARS ($100), REGARDLESS OF THE CAUSE OF ACTION, WHETHER IN CONTRACT OR TORT OR OTHERWISE. THE NEGATION OF DAMAGES SET FORTH ABOVE ARE FUNDAMENTAL ELEMENTS OF THE BASIS OF THE BARGAIN BETWEEN BANK AND YOU. THIS SERVICE AND THE MATERIALS WOULD NOT BE PROVIDED WITHOUT SUCH LIMITATIONS. THE LIMITATIONS OF LIABILITY AND DISCLAIMERS HEREIN CONTAINED APPLY REGARDLESS OF THE FORM OF ACTION, WHETHER IN CONTRACT, WARRANTY, STRICT LIABILITY, NEGLIGENCE OR OTHER TORT AND SHALL SURVIVE THE TERMINATION OF YOUR USE OR ACCESS TO THE SITE, A FUNDAMENTAL BREACH OR BREACHES, OR THE FAILURE OF THE ESSENTIAL PURPOSES OF CONTRACT OR THE FAILURE OF AN EXCLUSIVE REMEDY.

Waiver, release and indemnity

You release, discharge and hold harmless Bank and its Affiliates and their respective directors, officers, employees and agents from any and all liability, claims or causes of action (known or unknown) arising out of our or their negligence in connection with the Site, including, without limitation, liabilities arising out of information posted on the Site or otherwise provided by Bank. YOU ACKNOWLEDGE THAT YOU HAVE CAREFULLY READ THIS WAIVER AND RELEASE PARAGRAPH AND FULLY UNDERSTAND THAT IT IS A RELEASE OF LIABILITY. YOU ARE WAIVING ANY RIGHT THAT YOU MAY HAVE TO BRING A LEGAL ACTION TO ASSERT A CLAIM AGAINST US OR THE OTHER PARTIES SET OUT ABOVE FOR OUR OR THEIR NEGLIGENCE.

Third-party sites

As a convenience to you, Bank may operate this Site within or in connection with a Retailer website or application. In addition, Bank may provide, on the Site, links to websites operated by other entities. If you link to a third-party site or leave Bank-controlled portion of an application or Retailer website, you will leave this Site and do so at your own risk, and it is your responsibility to review all applicable privacy policies and take all protective measures to guard against any viruses or other destructive elements. Bank makes no warranty or representation regarding, and does not endorse, any linked websites or applications or the information appearing thereon or any of the products or services described thereon. Links do not imply that Bank or the Site sponsors, endorses, is affiliated or associated with, or is legally authorized to use any trademark, trade name, logo or copyright symbol displayed in or accessible through the links, or that any linked site is authorized to use any trademark, trade name, logo or copyright symbol of Bank or any of its affiliates or subsidiaries.

Changes and termination

Bank reserves the right, at its sole discretion, to change, modify, add or remove any portion of these Terms and Conditions. Changes to these Terms and Conditions will be effective when notice of such changes is posted on the Site. If you use the Site once they are revised, it means you agree to those changes. Bank may also terminate, change, suspend or discontinue any aspect of the Site, including the availability of any features of the Site, at any time. Bank may remove, modify or otherwise change any content, including that of third parties, on or from the Site. Bank also may impose limits on certain features and services or restrict your access to part or all of the Site without notice or liability. Bank may terminate the authorization, rights and license given above and, upon such termination, you shall immediately destroy all Materials. Bank may terminate your use of the Site at any time in its sole discretion.

U.S. site

The Site is meant for U.S. users and is governed by U.S. law. If you are a user from outside the U.S. be aware that you are agreeing to be treated as a U.S. user. Access to the Site from territories where its contents are illegal is prohibited.

Choice of law

These Terms and Conditions shall be governed by the laws of the State of New York and the federal laws of the United States of America, without giving effect to their conflict of laws provisions. For all disputes arising from or related to the Site, you agree to submit to the personal and exclusive jurisdiction of the state and federal courts of New York. These Terms and Conditions constitute the entire agreement between Bank and you with respect to the terms of usage for the Site. Any cause of action you may have with respect to your use of the Site must be commenced within one (1) year after the claim or cause of action arises. If for any reason a court of competent jurisdiction finds any provision of these Terms and Conditions or portion thereof to be invalid or unenforceable, that provision shall be enforced to the maximum extent permissible, and the remainder of these Terms and Conditions shall continue in full force and effect.

Last Updated: 05/09/2024

Synchrony Bank and its affiliates (collectively referred to as “Synchrony Bank”) is offering Short Code Messaging Programs that include 1) account updates and information and 2) account security alerts (the “Program(s)”), which you agree to use and participate in subject to these Terms of Service (“Terms”). By opting into or participating in the Programs, you accept and agree to these Terms. Any term identified in these Terms is limited to the Programs and these Terms are not intended to modify any other agreement(s), terms of service, and/or privacy policy(ies) that govern(s) the relationship between you and Synchrony Bank in other contexts.

1. Program Description:
Without limiting the scope of the Programs, users that opt into the Programs can expect to receive recurring short message service (“SMS”) text messages concerning your relationship with Synchrony Bank, including:

Account information and updates (including, but not limited to transactional servicing & collection related messages)

• Short Code: 796225

Account Security Alerts

• Short Code: 68785 and 68786

2. Frequency and Cost:
The Program(s) involve recurring SMS text messages, which will vary in frequency. Additional SMS text messages may be sent periodically based on your interaction with Synchrony Bank. Message and data rates may apply. If you have any questions regarding your text message plan or data plan, you should contact your carrier/service provider.

3. User Opt In:
The Program(s) allows users to receive SMS text messages by affirmatively opting into the Programs and/or providing a telephone number for contact purposes in the course of opening a Synchrony Bank account. Regardless of the opt-in method you utilized to join the Programs, you agree that these Terms apply to your participation in the Programs. By participating in the Programs, you agree to receive autodialed or prerecorded SMS text messages, as described in Section 1, at the phone number associated with your opt-in, and you understand that consent is not required to use Synchrony Bank’s services, open a Synchrony Bank account, or purchase any Synchrony Bank products. While you consent to receive SMS text messages sent using an autodialer or prerecorded voice, the foregoing shall not be interpreted to suggest or imply that any or all of Synchrony Bank’s text messages are sent using an automatic telephone dialing system (“ATDS” or “autodialer”) or using prerecorded voice technology. Message and data rates may apply.

4. User Opt Out:
If you do not wish to continue participating in the Program(s) or no longer agree to these Terms, you agree to reply “STOP,” “QUIT,” “END,” “CANCEL,” or “UNSUBSCRIBE” to any SMS text message from Synchrony Bank to opt out of the Program(s). You may receive one additional SMS text message confirming your opt-out request. You understand and agree that the foregoing process is the only reasonable method of opting out of the Program(s). You further understand and agree that any other method of opting out, including, but not limited to, texting words other than those set forth above or verbally requesting one of our employees to remove you from our list, is not a reasonable means of opting out. If you would like to opt back in to the Program(s) following your opt-out request, you may do so in accordance with the User Opt In procedures set forth in Section 3 above.

5. Dispute Resolution
You shall resolve any and all disputes, controversies, or claims arising out of or relating to these Terms or the Program(s), or the breach, termination, or invalidity of these Terms (each a “Dispute”), under the dispute resolution provisions in your existing Credit Agreement with Synchrony Bank, which is incorporated herein by reference.

6. Duty to Notify and Indemnify
If at any time you intend to stop using the telephone number used to subscribe to the Program(s), including canceling your service plan or selling or transferring the phone number to another party, you agree that you will complete the User Opt Out process set forth above in Section 4 prior to ending your use of the telephone number. You understand and agree that your agreement to do so is a material part of these Terms. You further agree that, if you discontinue the use of your telephone number without notifying Synchrony Bank of such change, you agree that you will be responsible for all costs (including attorneys’ fees) and liabilities incurred by Synchrony Bank, or any party that assists in the delivery of the messages Synchrony Bank sends, as a result of claims brought by the individual(s) who is later assigned that telephone number. This duty and agreement shall survive any cancellation or termination of your agreement to participate in the Program.

YOU AGREE THAT YOU SHALL INDEMNIFY, DEFEND, AND HOLD SYNCHRONY BANK, SYNCHRONY BANK’S AGENTS, AND ANY THIRD-PARTY SERVICE PROVIDER WE USE TO SEND SMS TEXT MESSAGES HARMLESS FROM ANY CLAIM OR LIABILITY RESULTING FROM YOUR FAILURE TO NOTIFY US OF A CHANGE IN THE INFORMATION YOU HAVE PROVIDED, INCLUDING, BUT NOT LIMITED TO, ANY CLAIM OR LIABILITY UNDER THE TELEPHONE CONSUMER PROTECTION ACT, 47 U.S.C. § 227, et seq., OR SIMILAR STATE AND FEDERAL LAWS, AND ANY REGULATIONS PROMULGATED THEREUNDER RESULTING FROM SYNCHRONY BANK ATTEMPTING TO CONTACT YOU AT THE TELEPHONE NUMBER YOU PROVIDED.

7. Support Instruction:
For support regarding the Program, text “HELP” to the applicable Short Code as defined in paragraph 1. Opt outs must be submitted in accordance with the User Opt Out procedures set forth in Section 4 above.

8. Disclaimer of Warranty
The Program(s) is/are offered on an “as-is” basis and may not be available in all areas at all times and may not continue to work in the event of product, software, coverage, or other changes made by your carrier. Synchrony Bank will not be liable for any delays or failures in the receipt of any SMS text messages connected with the Program. Delivery of text messages is subject to effective transmission from your carrier/service provider/network operator, and is outside of Synchrony Bank’s control. Your or any other carrier/service provider/network operator is not liable for any delivered or undelivered messages associated with the Program.

9. Privacy Policy:
If you have any questions regarding privacy in conjunction with the Program(s), please read Synchrony Bank’s privacy policy, which is available at www.synchrony.com.

10. Changes to These Terms:
Synchrony Bank may revise these Terms from time to time. If we do, the revised Terms will supersede prior revisions. Unless we say otherwise, revisions will be effective upon the effective date indicated at the top of these Terms. We will provide you with 30 days advance notice of any material revisions. This notice will be provided via an email address associated with your Synchrony Bank account. We encourage you to check the effective date of these Terms whenever you visit Synchrony Bank’s website or log into your Synchrony Bank account. Your continued access or use of the Program and Synchrony Bank’s services constitutes your acceptance of any revisions. If you do not agreed to the revisions, you must opt out in accordance with the User Opt Out procedures set forth in Section 4 above.

11. Miscellaneous:
11.1 Severability. Any provision of these Terms which is prohibited and unenforceable in any jurisdiction shall, as to such jurisdiction, be ineffective to the extent of such prohibition or unenforceability without: (a) invalidating the remaining provisions hereof, if the essential provisions of these Terms remain valid, binding, and enforceable; or (b) affecting the validity or enforceability of such provisions in any other jurisdiction.

11.2 Entire Agreement. With the exception of your existing Credit Agreement with Synchrony Bank and the corresponding Privacy Policy (the “Other Agreements”), these Terms, as defined herein, constitute the entire agreement between the Parties with respect to the Program(s). To the extent there is any conflict or inconsistency between the provisions in the body of these Terms and any Other Agreements, the terms in your existing Credit Agreement with Synchrony Bank shall prevail, unless expressly stated otherwise. The language used in these Terms shall be deemed to be the language chosen by both Parties to express their mutual intent, and no rule of strict construction against either party shall apply to rights granted herein or to any provision of these Terms. In the event of any asserted ambiguous term or condition herein, the Parties agree that the principle that ambiguities shall be construed against the drafter shall not be employed. You agree and warrant that, in agreeing to these Terms, you have not relied and should not rely on any understandings, representations, inducements, warranties, or promises, whether written or oral and/or whether express or implied, regarding these Terms, the matters referenced in these Terms, or any other matter not referenced in these Terms.

11.3 Survival. The entire scope of provisions in these Terms shall survive your opt out of the Program(s) and/or the termination or expiration of these Terms.