Individual Program Restrictions and Guidelines

Ace Cash Express -

Trademark bidding and any variation of is prohibited for this offer. Affiliates may not use offer name or company name in display urls for search marketing. This offer cannot be incentivized. Affiliates must use the text that is provided.

AccountNow -

AccountNow does allow PPC bidding, however they do not allow any bidding on their brand term. Please do not bid on any variation of "accountnow". AccountNow does not allow the following terms when marketing their products: iAdvance, any sort of message regarding "borrowing money", and any sort of message regarding "building credit". Affiliates must use the text that is provided.

Ally -

Reviews and Rates

1. If writing a review or recommendation, make sure the review is objective, honest and balanced. Please review or recommend products that are not paid placements in addition to Ally Bank and other advertisers. If Ally is the only bank reviewed or recommended in a post or page, clearly indicate that Ally Bank is an advertiser on the site.

2. Please avoid making claims or promises about Ally Bank products and avoid using the following terms when writing about Ally Bank:

Official site
Top
Best
Guaranteed
Highest

3. If listing rates, please indicate the last date rates were updated clearly, next to the rate listed. Please stay on top of rate changes when posted.

Creative

1. Do not modify the Ally Bank banner, text, or links.

Search

1. Negative match on the following brand terms:

GMAC, GMAC Bank, GMAC  Bank, GMAC.com, GMAC com, GMACBank, GMACbank-, GMACBank.com, GMACBanking, www.gmac.com, gmac com, gmac.com official site, gmac www, gmac www com, gmac com online, gmac.bank, gmca, gmcabank, gmack bank, gmack, gmace, gmacc, gmacbankcdrate, gmacbankpa, gmavcbank, gmacbankolnie, g-mac,  gm,

Ally, Ally Bank, Ally.com, Allybank.com, ally com, AllyBank, AllyBanking, Ally official site, ally com online, ally.bank, alli bank, alliu bank, allo bank, alybank, akly bank, asly bank, lalybank, a,lly bank, ally.com, allibank,

Site Content, Audience, and Technology

1. Must have a US based audience
2. Do not include inappropriate material.
3. Do not use or enable any software applications, spyware, browser helper objects, or pop-up downloadable reminder services, redirect the user, interfere with online tracking or reporting, or and other inappropriate actions.  
4. Please refrain from posting Ally's ads, links, or Ally offers next to, on the same page with, or immediately following any reference or ad for "alli", the pharmaceutical brand.

American Express -

As of September 15, 2009, all affiliates displaying any American Express card (excluding gift cards) will be required to accept marketing materials and links through either a JavaScript or XML feed. All affiliates using banners, card art, and text links are required to use the creative hosted and cannot hardcode these items on their site(s). This includes all banner and card art images, text link marketing copy, and links.

Blogs:

The following disclaimer must be posted in a clear, distinct and conspicuous manner (it should at least have the same font size, type and color of the main content and be italicized).

Disclaimer: This content is not provided or commissioned by American Express.  Opinions expressed here are author's alone, not those of American Express, and have not been reviewed, approved or otherwise endorsed by American Express.  This site may be compensated through American Express Affiliate Program.
    
If you have any questions regarding blogs and American Express, please contact your affiliate representative.    

Affiliates shall not undertake or engage in the following practices: (a) Use or otherwise incorporate any American Express branded terms, the terms American Express or Amex, American Express product names, or any other American Express Marks, or variations, misspellings or portions of any of the foregoing, in the domain name(s) of any sites, including the qualifying sites; (b) Modify or alter the American Express site in any way; (c) Make any representations, either express or implied, or create an appearance that a visitor to a qualifying site is visiting the American Express site; e.g., "framing" the American Express site (d) Use "American Express" or "Amex" as domain names, or portion thereof, unless expressly and explicitly authorized in writing by American Express;  (e)  Bid on and/or purchase American Express branded terms, the terms "American Express" or "Amex", American Express product names, or any other American Express Marks, or variation or misspelling of any of the foregoing, through an Internet Search Auction or otherwise, unless expressly and explicitly authorized in writing by American Express; or (f) Use any mark, name or domain name of any type which is confusingly similar to "American Express" or "Amex" or any other American Express Mark.

Terms-

(list is not all inclusive)
AMERICAN EXPRESS        
AMERICAN EXPRESS (CHINESE)
AMERICAN EXPRESS (CYRILLIC)
AMERICAN EXPRESS (IN CHINESE CHARACTERS)
AMERICAN EXPRESS (KATAKANA)
AMERICAN EXPRESS (KOREAN)
AMERICAN EXPRESS CARDS WELCOME
AMERICAN EXPRESS WORLD SERVICE
AMERICAN EXPRESS BUSINESS
AMERICAN EXPRESS BUSINESS LINE
AMERICAN EXPRESS BUSINESS SAVINGS
AMERICAN EXPRESS SELECTS
AMEX (KATAKANA)
AMEX        
AMEXSELECTS
SHOPAMEX
EXPRESS PAY        
BUSINESS LINE        
CENTURION        
CENTURION WORLD
MEMBERSHIP REWARDS FIRST
MEMBERSHIP REWARDS        
MEMBERSHIP REWARDS OPTIONS
MEMBER SINCE
MY LIFE. MY CARD        
OFFER ZONE        
OPEN        
OPEN FROM AMERICAN EXPRESS
OPEN SAVINGS
PURCHASE PROTECTION PLAN        
PURCHASE PROTECTION

Trademark Product Terms

Variation Examples

CLEAR FROM AMERICAN EXPRESS        
FREEDOMPASS        
GLOBAL ASSIST        
GLOBAL ASSIST PLUS
GREEN CARD        
THE GREEN CARD
GREEN FROM AMERICAN EXPRESS
PLATINUM CARD PLATINUM
BLUE FROM AMERICAN EXPRESS        
AMERICAN EXPRESS BLUE
AMERICAN EXPRESS BLUE CARD
AMERICAN EXPRESS BLUE CREDIT CARD
BLUE CASH        
BLUE FOR BUSINESS        
BLUE PLAY        
BLUE REWARDS        
BLUE FOR STUDENTS        
IN:CHICAGO        
IN:LA IN LOS ANGELES
IN:NYC IN NEW YORK CITY
ONE FROM AMERICAN EXPRESS        
AMERICAN EXPRESS ONE
THE NEST        
THE OFFICIAL CARD OF LEADING THE PACK
THE OFFICIAL CARD        
THE OFFICIAL CARD OF THE FAN
THE OFFICIAL CARD OF WILLPOWER

Additional Product Terms -

Variation Examples

GOLD DELTA SKYMILES CARD        
DELTA SKYMILES CARD
DELTA SKYPOINTS CARD        
HILTON HHONORS CARD        
HILTON CARD
STARWOOD PREFERRED REWARDS CARD        
STARWOOD CARD
JETBLUE CARD        
PLATINUM BUSINESS CASH REBATE        
PLATINUM BUSINESS CREDIT CARD        
BUSINESS GREEN REWARDS CARD        
BUSINESS GOLD REWARDS CARD        
BUSINESS GOLD CARD
MY CARD CAN
PLUM CARD
OPEN PLUM CARD
AMEX PLUM CARD
AMERICAN EXPRESS PLUM CARD
AMERICAN EXPRESS OPEN PLUM CARD
SIMPLYCASH CARD
OPEN SIMPLYCASH CARD
AMEX SIMPLY CASH CARD
AMERICAN EXPRESS SIMPLYCASH CARD
AMERICAN EXPRESS OPEN SIMPLYCASH CARD

American Express Australia -

Display of product information

Interest Rates:

According to the legislation regulating financial products, a credit provider is not permitted to advertise or state to a potential debtor the interest rate for a product unless the rate is expressed as an annual percentage rate.

What does this mean for affiliates?

A ‘p.a' (per annum) must be clearly visible against rates when relevant.

Interest Free Days:

Where a given product includes interest free days, affiliates are to include the phrase "up to" along side the number of days.

"Subject to terms and conditions":

This phrase is to be included after any offer where terms and conditions apply.
This would apply to this quote as an example:
"Access to discounts and benefits with HSBC's home & away Privilege Program"
Statements such as "Best Offers" - Avoid misleading your users.
If you are making statements similar to the following on your website:
Best Offers
Best Loan Offers
Best Insurance Offers
You may be misleading your users if you:
(a) don't provide your users with information in relation to:
- how you have selected the "best" offers;
- the experience of the person/entity conducting the selection of "best" offers;
- how the basis of this selection corresponds with those commonly made in relation to financial products
(b) don't conduct an analysis of all available financial products in the marketplace.
A statement such as "Best Loan Offers" gives users the impression that the website
conducts an analysis of all available loans in the marketplace, when this may not be the case.
What does this mean for affiliates?
If statements such as "Best Offers" are being made on your website and you do not provide the
disclosures listed above in (a) and you do not conduct the full market analysis as described in (b)
you may be in engaging in "misleading and deceptive conduct" in breach of section 12DA of the
ASIC Act1 and "making false and misleading representations" in breach of section 12DB of the ASIC
Act.

How can affiliates avoid being in breach of Sections 12DA and 12DB of the ASIC Act?

1) remove all "Best Offer" type statements from your website, replace with "featured offers" as an example
2) make full disclosure to your users as to
a. how you have selected the "featured offers"; eg. Based on lowest interest rate p.a.
b. the experience of the person/entity conducting the selection of "featured offers";
c. how the basis of this selection corresponds with those commonly made in relation to
financial products; and
d. disclose to your users that you do not in fact compare the entire market of financial products and where you draw the line in terms of what you compare, for example
"financial products compared are limited to those who run affiliate programs or who choose to advertise on our site"
You can inform your users but not give them advice
If you are making statements such as "best offer" in relation to financial products2 on your website it may be considered as providing financial advice as it could be reasonably regarded as intending to induce a person to make a decision in relation to a particular financial product. To provide financial advice in Australia the law requires the giver of the advice to hold an Australian Financial Services License. (AFSL)
With the above in mind, if you do not hold an AFSL you will need to ensure the way you present the finance products on your website is informative as opposed to advisory. This is down to the fact the Corporations Act 4 holds an exception to the requirement of holding an Australian financial services license. The exception is for those who provide a service of informing users of available financial products as opposed to advising them of what products to choose. To comply with this exception affiliates need to: - again, remove all "Best Offer" type statements from your website or anything which could reasonably be regarded as inducing a person to choose a particular financial product.
- disclose to users of your website any benefits received for providing the information service.
1 The Australian Securities and Investments Commission Act 2001(Cth).
2 Section 764A of the Corporations Act 2001 (Cth) defines a number of the products (bank accounts, insurance etc) being
promoted and compared on affiliate websites as financial products.
3 See Sections 911A and 911D of the Corporations Act 2001 (Cth)
4 at reg 7.6.01(1)(e)

American Express Canada-

Affiliates are prohibited from including any American Express trademarked term or anything similar to one of those terms in your URL. You are not allowed to engage in outbound telemarketing or collect and handle American Express application prospect data by any other means. Affiliates are not allowed to bid on and/or purchase American Express or American Express Canada branded terms, the terms "American Express" or "Amex", American Express or American Express Canada product names, or any other American Express Marks, or variation or misspelling Also, do not make any changes to any American express creative or URLs or create your own text links/banners to advertise American Express products.

Keywords:

 
American Express
AmericanExpress
Amex
Amex Canada
American Express Canada
Amex Cards
American Express Cards
Amex Credit Cards
American Express Credit Cards
American Express Air Miles
American Express Air Miles Credit Card
American Express Air Miles Card
American Express Air Miles Platinum
American Express Air Miles Platinum Card
American Express Air Miles Platinum Credit Card
Blue Sky
Blue Sky Credit Card
American Express Blue Sky Credit Card
American Express Blue Sky Card
American Express Blue Sky

Applied Bank -

Bidding on the term "Applied Bank" is not allowed. Please do not refer to Applied Bank as Applied Card Bank. When referencing their products, do not use references of establishing, re-establishing, fixing, repairing credit history, preapproved or guaranteed approval. Affiliates must list text that issuer provides.

Bank of America -

Only copy from the Bank of America approved copy documents may be used to market the Bank of America credit cards.  All other copy is prohibited.  A request to market verbiage and/or copy that is not included in the approved documents must be submitted for approval prior to being put on websites. Examples include: card review pages, editor's comments, etc. as these are prohibited unless approval is obtained. Failure to comply may result in commissions being set to $0 until corrections and updates are made.

All credit card names must be listed exactly as noted on approved copy documents. This includes all corresponding symbols such as ® and ^TM. If character limitations are encountered, approval must be sought before offer is launched on website.

Bank of America requires that the intro and ongoing rate information have to be included on the same page within close proximity and cannot be one click away. Bank of America legal teams require pricing disclosures to be one click away for electronic media. Bank of America no longer permits affiliates to market the specific cash advance or penalty APRs for their products. They are requiring that if you display a field marketing either of these rates that you remove the rate and replace it with verbatim: "See Terms and Conditions accompanying application for additional offer details."

Creative mock-ups must be submitted by the affiliate to be provided to the Bank of America Legal and Brand teams for approval prior to launch.
Savings calculators require BAC Legal approval and BAC approved disclaimers prior to launch
Approved Bank of America card site "reviews" and editor comments require on-going management of content by affiliates

BoA approves on a site by site basis, not an affiliate number basis. Each individual site must first be approved by Bank of America prior to running creative or links on it. Please do not place ads on ANY site without getting prior approval.  This includes ad sharing sites such as usfreeads.com. Credit cards may not be marketed on Incentive sites. Framing the Bank of America website, contextual marketing, e-mail and newsletters, and marketing in chat rooms or on message boards is strictly prohibited.

All updates requested must be completed within 24 hrs (not business hours) within notification. Otherwise the product(s) must be removed and all commissions will be set to $0 until the site is in compliance per Bank Of America.

www.NewCardOnline.Com is BAC's site. Affiliates cannot list this on their website, cannot list this in their display URL, or bids. Use of the term Bank of America or any derivative as a display URL for search engine bidding purposes is prohibited.

Bidding Policy:

Affiliates are not permitted to bid on any stand alone branded key words and must add the following branded terms (and any misspellings or variations thereof) to their negative keyword lists:

Phrase Match Negatives

boa
add it up
bac
bank america
bankofamerica
bankamerica
banc of america
bank of amercia
mbna
bank of america
bofa
b of a
mnba

Broad Match Negatives:

accelerated rewards
Bank of america
bank of america
power rewards
power reward
bankamericard

Capital One -

Capital One allows approved publishers to market Capital One products provided the partners meet Capital One's marketing standards for quality and compliance.

1) Creative and Copy:

Publishers shall only use copy, card art, creative, and banners provided to them. At no time shall a Publisher directly download content from Capital One's web site or use any other content or creative that has not been provided via the aforementioned process, unless they have express prior written permission from Capital One. Copy must be used exactly as-is, no re-wording or condensing. All bullets must be used in the order that they are provided. Affiliates must have all written reviews regarding the Capital One products approved, and may not publish them without prior written approval.

Use of APR Information on Site:

Any Intro Rates listed in the bullets or copy, must be listed as "until (Month Year)". Intro Rates can not be listed as number of months, like "for 9 months". This is because Capital One's intro rates do not have rolling end dates, they have hard end dates. These end dates will be updated around every 3 months. An announcement will be sent of when updates are to be made.

A correct intro display example: "0% intro APR until December 2011 on purchases."
An incorrect intro display example: "0% on purchases for 9 months."


All rates listed are Variable or Non-Indexed and are subject to change by Capital One® Credit Cards, and are subject to change by Capital One® Credit Cards.
All affiliates need to call out that Capital One rates are variable. Please add "(V)" next to the APR listing. Example: 11.9%-19.9%(V).
For any additional comparison grid breakdowns, please tie all asterisks back to a footnote that reads, "*See Capital One® important disclosures for more information."
Correct Uses: "Variable APR*" and "Variable APR* on Purchases and Balance Transfers"

The credit rating needs to be listed exact i.e. Excellent/Good, Average/Limited, if cannot list both you must list Excellent or Average. If you need assistance/ have questions, please ask you affiliate rep.

2) Categories:

Capital One products may not be listed in categories that cater to people with bad credit, damaged credit, no credit, or those seeking instant approval. Specific examples are listed below. Bear in mind that this list is representative but not exhaustive, and that any terms synonymous to the below should also not be used.

* Balance Transfer- unless offer permits, and has been granted permission
Bad Credit, Damaged Credit, Rebuild Credit, Credit Repair, Build Credit1
Instant Approval, Fast Approval, Instant Response, Instant Decision (30 seconds, etc.), Instant Access to Credit
Unsecured Cards
No Credit
Any category with a sufficiently similar value proposition to the aforementioned categories

The following categories synonymous with less than perfect credit are permitted:
Good Credit
Fair Credit
Above Average Credit
Average Credit
New to Credit
Limited Credit (or Limited Credit History)

*If you include any of the Capital One cards in "Low APR" categories, the heading summary will need to be approved. To be compliant, you need to include the text "these cards feature either a low fixed rate APR or a low introductory APR" somewhere in the description.

Certain offers can only be listed in specific categories, or they have specific additional categories that they have been stated that they cannot be listed in. We do announce what these are when the offers do come out.

When in doubt, contact your account representative for clarification.

3) The above rule applies to all names, titles and descriptions of a category, such as the link on the site's main navigation bar, the title of the category's page, etc. For example, it is not acceptable to call a category "Limited Credit" in the navigation bar, but have a description referring to bad credit on the category's main page.

4) In addition to the aforementioned, categories which market unconventional value propositions that may have the potential to set false customer expectations will need to be approved before listing Capital One products. Examples of such categories are "High Credit Limits" and "Low fees".

5) Capital One Publishers are prohibited from optimizing their websites to mislead search engines into ranking them higher on Capital One specific terms. For example, creating a website with a page title of www.CapitalOne.com is prohibited. Publisher websites found to be doctoring their pages solely for the purposes of SEO on Capital One's brand may be terminated.

6) Publisher sites must get express written permission before mentioning Capital One in any place other than advertisements provided by Capital One. Examples of this include custom created reviews or advice articles. Capital One's brand can never be mentioned in conjunction with any of the prior mentioned forbidden value propositions.

1 Although you may NOT use "build" with a qualifying term like "good" (i.e. "Build Good Credit'), you may use "build" generically (i.e. "Build Credit".)
2 Although, you may not list Capital One in a "No Credit" category, we are comfortable being listed in a category called "Limited or No Credit History".

Capital One Publisher Search Policy

Capital One welcomes Publishers' Search Engine Marketing activities aimed at driving volume to their sites, provided such activity doesn't conflict with Capital One's own branded Search Engine Marketing program and that search marketing targeted at high risk consumer groups is not directly linked to pages advertising Capital One products. Specifically, Publishers must adhere to the following rules:

1) Publishers are strictly prohibited from bidding on any Capital One Proprietary (branded/trademarked) brand, trademark, trademark misspelling, product or service terms on any search engine or other media, including Google, Yahoo!, MSN, etc. This includes "Capital One" and all variations and misspellings thereof; including (but not limited to) Capitol One, Captial One, Capital 1, Cap One, Cap 1, Cap1; capital one credit card, mycapitalonecard, capital one card, Card Lab, branded/trademarked terms for Hibernia National Bank and North Fork Bank and all variations and misspellings thereof (for example, hiberna bank, norht fork bank, hibernia, north fork). No bidding on any Capital One URLS including "getmycard" or www.getmycard.com is permitted, as these URLs are for direct mail pre-approved customers. Please remember this list and the ones below are not all inclusive, and include examples.

2) Publishers must implement the negative keyword list containing Capital One branded terms and Capital One value propositions, provided in Addendum 1 of this document. This list may be updated by Capital One from time to time, and any new terms shall be provided to Publishers for further implementation.

3) Publishers are prohibited from displaying www.capitalone.com (or any other Capital One domain) as the destination URL in their SEM ad copy for any keyword.

4) Publishers can bid on keywords targeted at high risk customers; however such ads cannot be directly linked to pages containing Capital One cards3 (including Publishers' home pages if these pages contain Capital One products).

Examples of such keywords include, but are not limited to "Bad credit", "Damaged Credit", "Poor credit", "Credit repair", etc. A more detailed list is included in Addendum 2 of this document. Publishers should use sound judgment when deciding which keywords are targeted at high risk customers and consult CARDSYNERGY to assist with such decisions in regards to the Capital One program.

5) The same rule applies to bidding on keywords such as Instant Approval, Instant Credit, decisions made within a specific period of time (e.g., "30 second approval"), etc. Refer to Addendum 2 for more examples of such keywords.

6) Capital One reserves the right to request that Publishers re-direct links from any keyword to a page not containing Capital One cards or remove Capital One ads from the current destination page.

Capital One Publisher URL's Policy

Capital One manages its program at the site level. We consider two sites different if the sites homepage URL differs in any way. Publishers may only use URL's that have been specifically approved by Capital One in writing.

You may not market Capital One on any other URLs whether they are internal properties, sub-Publisher URLs, or any other type of URLs.

Capital One considers URLs that redirect to another URL to be distinct, and they must be approved separately. For example, www.abccards.com and www.abc-cards.com are two separate sites, even if one redirects to the other, and must be individually approved. Capital One will likely approve URLs that are sufficiently similar (differing only by plurals, hyphens, etc.), but this does not exclude them from the need to be approved.

 If a URL is not specifically mentioned in the most current insertion order, you may not use it. Any commissions earned by traffic from a URL which was not approved by Capital One will be reversed, and the offending partner may lose their right to market Capital One products on their remaining approved URLs.

This includes dynamically generated pages created for the purpose of landing customers clicking on specific search engine marketing ads

If you have any questions please contact CARDSYNERGY.

Email Marketing

The use of Email Marketing on behalf of any Capital One brand, trademark, product or service is strictly prohibited.

Content Provided by Capital One

Capital One will make best efforts to provide Web Publishers at least three business days prior written notice of any change to creative, content, card art or other program changes. Web Publishers have 24 hours from launch of these changes to comply, including but not limited to updates to Capital One creative, content, card art or any other content, credit card terms and conditions. Certain changes may be requested by Capital One on shorter notice.

Web Publishers will be audited on an ongoing basis to ensure appropriate content for Capital One is being reflected. Incorrectly displaying Capital One content may result in the withholding of any Commissions otherwise payable to you under this Agreement and/or termination of this Agreement.

Policy Violations

All Publishers must follow the Capital One Publisher policies. Violation of any of the policies may result in the withholding of any Commissions otherwise payable to you under this Agreement and/or termination of this Agreement.

The above policies are inclusive, but not exhaustive. If there is any question of any practice that your URLs or your subpublishers use, you should contact Capital One for clarification.

Monitoring, Escalation and Resolution of Issues

We will be monitoring all affiliate sites on Capital One's behalf. Capital One will be monitoring these on their own as well. This monitoring includes all search bidding on all search engines as well.

Any compliance and legal issues that we bring to your attention, must be updated/revised/removed within 24 hours or else the links will be disabled. If an affiliate has been notified of a legal or compliance issue and the change has not been made in 24 hours, we will disable the links.

If we determine, in our sole discretion, that you have engaged in any of the foregoing activities or, as the case may be, refused promptly to comply with a request from us to exclude Proprietary Terms from any keyword as mentioned above, or have not made legal and compliance revisions to APRs, Rates, Fees, or Marketing Copy within 24 hours, we may (without limiting any other rights or remedies available to us) withhold any Commissions otherwise payable to you under this Agreement and/or terminate this Agreement.

CAPITAL ONE'S PUBLISHER TERMS

Marketer Specific Terms

These Marketer Specific Terms (the "Marketer Terms") is a legally binding agreement between you and Capital One Services, Inc. ("Capital One" or "we"). By registering for and participating in the Capital One Affiliate Marketing Program (the "Program") through BankRate you acknowledge that you have read and agree to be bound by these Marketer Terms.

Once you are accepted into the Program, your participation in the Program is governed by these Marketer Terms and by your agreement with BankRate (collectively, the "Agreement"). To the extent that any provision of these Marketer Terms conflict with the Publisher Agreement, these Marketer Terms shall control. Even after you are accepted into the Program, we may determine (in our sole discretion) that your website is unsuitable for the Program and terminate this Agreement for any reason upon seven (7) days notice.

I. Your Obligations.

A. Eligibility. To be eligible to be a Capital One Publisher, you must operate a web site and not one or more subscription newsletters, be approved by Capital One and your website must not in our sole discretion: (a) mislead others; (b) operate or utilize a Website or e-mail link to Websites that contain or promote, any of these types of content: libelous, defamatory, obscene, abusive, violent, bigoted, hate-oriented, illegal, cracking, hacking or warez, content targeted at children, or the offer of any illegal good or service, or link to a Web site(s) that do so; (c) engage in the sale or promotion of obscenity, pornography, alcohol, tobacco, firearms, gambling, or any illegal activity or the disparagement of any individual group on the basis of age, color, national origin, race, religion, gender, sexual orientation or physical or mental handicap or targeted at person's under the age of 18; (d) engage in spamming, indiscriminate advertising or unsolicited commercial e-mail; and/or (e) have been terminated from the Capital One Publisher Program. You remain solely responsible for the content of your Website.
B. Advertisements. You may only use the banner advertisements, button links, text links to our Website and/or other advertisements promoting Capital One products (Advertisements) that are provided through N. You may not modify the Advertisements without Capital One's prior written consent. You may not include price information in your descriptions. You many not display any Advertisement on any international domain. Each link connecting users of your
Website to our Website shall not alter the look, feel or functionality of our Website. Upon notice to you, you shall immediately cease to display any Advertisements.
C. Prohibited Activities. You shall not undertake or engage in the following practices, and any violation of this Section shall be deemed a material breach of this Agreement: (i) use or otherwise incorporate the words Capital One or variations or misspellings in the domain name(s) of your Website(s); (ii) modify or alter Capital One's Website in any way; (iii) make
any representations, either express or implied, or create an appearance that a visitor to your Site is visiting Capital One 's Website; e.g., "framing" the Capital One Website; (iv) use pop-under advertisements to advertise Capital One (i.e., ads that appear under the current browser window; (v) use any mark, name or domain name of any type which is confusingly
similar to Capital One or other Capital One trademarks, or (vi) alter the promotional materials provided to You by Capital One or use other promotional materials or language without first receiving written authorization from Capital One; or (vi) send any e-mail advertising any Capital One product.
D. Privacy Policy. You will develop and maintain a privacy policy which shall accurately describe the information collection and use practices of your website, including but not limited to, the type of information collected, how the information is collected and used, and with whom the information is shared. You will also describe any information that is collected on your Website by any third party, including CARDSYNERGY. Your Website must have a prominent link to your privacy policy.
E. Public Announcement. You may not mention Capital One in a press release or other public statement (other than the Advertisements) unless you have received prior written approval from Capital One.

II. Our Obligations Advertisements.

We will use commercially reasonable efforts to present accurate information but we cannot guarantee the availability or terms of any particular credit card. We have the right to accept or reject any applicant for a credit card for any reason.

III. Compensation.

You will be paid the commission rate specified within the CARDSYNERGY interface for relevant actions
also set forth with the interface. Any change in the compensation rate will be communicated by Capital One or CARDSYNERGY either through an e-mail or a posting within the interface. Capital One shall pay all fees due under this Agreement through CARDSYNERGY. You agree that when we pay CARDSYNERGY each month the full amount of your earned compensation, that for purposes of this Agreement we have paid you. You further agree that, regardless of the timing of any payment made by CARDSYNERGY to you, CARDSYNERGY shall be authorized to chargeback any compensation paid to you which is ultimately
determined by Capital One, in its sole discretion, to be related to fraudulent activity. CARDSYNERGY shall deduct the amount of the chargeback from and offset such amounts against any current or future monies owed to you. In the event that you have not fully repaid, via offset, any chargeback within thirty (30) days from the date of the chargeback, you shall issue payment to CARDSYNERGY for the outstanding amount of the chargeback.

IV. Intellectual Property.

A. Non-Exclusive Limited License and Use of Capital One Logos and Trademarks. Capital One grants you a nonexclusive, non-transferable, revocable right without the right to sublicense to (i) access Capital One 's Website through links solely in accordance with the terms of this Agreement , and (ii) solely in connection with such links or other activities
as authorized under this Agreement, to use Capital One 's logos, trade names, trademarks, service marks and similar identifying material (collectively Capital One Licensed Materials), solely for the purpose of promoting Capital One 's products and services on Your Website(s) through advertising and links. You may not alter, modify or change the Capital One Licensed Materials in any way, and you are only entitled to use the Capital One Licensed Materials. No right, property,
or interest in any Capital One Licensed Materials owned by Capital One or any of its Publishers is intended to be given to or acquired by you by the execution of or the performance of this Agreement.
B. Non-Exclusive Limited License and Use of Your Logos and Trademarks. You grant Capital One a non-exclusive, nontransferable, revocable right to use and display Your logos, trade names, trademarks, service marks and similar identifying material (collectively Publisher Licensed Materials), solely for the purposes contemplated under this Agreement, including allowing Capital One to list your name and trademark as an Publisher in the Program on our Website. Capital One may not alter, modify or change the Publisher Licensed Materials in any way. No right, property, license, or interest in any Publisher Licensed Materials owned by you is intended to be given to or acquired by Capital One by the execution of or the performance of this Agreement.
C. Use of Licensed Materials. You will not use the Capital One Licensed Materials in any manner that is disparaging or that otherwise portrays Capital One in a negative light. You will not create, publish, distribute or permit any written material that makes reference to Capital One, without first submitting such material to us and receiving Capital One's written consent.
Capital One reserves all of its rights in the Capital One Licensed Materials, and all other intellectual property rights. Capital One may revoke Publisher's license by giving notice in accordance with the provisions of the CARDSYNERGY Publisher Agreement.
D. Proprietary Property. All intellectual or proprietary property and information, supplied or developed by Capital One shall be and remain the sole and exclusive property of Capital One. Upon termination of this Agreement, you shall return to Capital One any and all such property and information.

V. Term and Termination.

The term of this Agreement will begin upon acceptance of your Program application (the Effective Date) and shall remain effective, unless sooner terminated as provided herein, for an initial term of one (1) year from the Effective Date. After the initial term, this Agreement will automatically renew for successive one-year periods. Either party may terminate this Agreement at any time and for any reason upon 7 days' prior written notice to the other party. We may immediately terminate the Agreement if we terminate our Program facilitated by CARDSYNERGY or if you violate your obligations under this Agreement or the CARDSYNERGY Publisher Agreement. Within 2 days of termination of this Agreement, you will stop displaying all Capital One Advertisements or other references to Capital One or its affiliates.

VI. Your Representations and Warranties.

You hereby represent and warrant to us that: (i) you have duly and validly executed this Agreement and it constitutes your legal, valid, and binding obligation, enforceable against you in accordance with its terms; (ii) your Website complies with your Obligations described in Section 2 above, including, but not limited to, your obligations regarding eligibility, advertising, privacy and e-mail;(iii) the execution, delivery, and performance by you of this Agreement and the consummation by you of the transactions contemplated hereby will not, with or without the giving of notice, the lapse of time, or both, conflict with or violate (a) any provision of law, rule, or regulation to which you are subject,(b) any order, judgment, or decree applicable to you or binding upon your assets or properties, (c) any provision of your by-laws or certificate of incorporation if applicable, or (d) any agreement or other instrument applicable to you or binding upon your assets or properties; (iv) no consent, approval, or authorization of, or exemption by, or filing with, any governmental authority or any third party is required to be obtained or made by you in connection with the execution, delivery, and performance of this Agreement or the taking by you of any other action contemplated hereby; and (v) there is no pending or, to the best of your knowledge, material threatened claim, action, or proceeding against you, or any subsidiary of yours, with respect to the execution, delivery or consummation of this Agreement, or with respect to your trademarks, and, to the best of your knowledge, there is no basis for any such claim, action, or proceeding.

VII. Disclaimers.

Capital One makes no express or implied warranties or representations with respect to the Program or products or services offered through the Program (including, without limitation, warranties of fitness, merchantability, noninfringement, or any implied warranties arising out of course of performance, dealing, or trade usage). In addition, Capital One makes no representation that the operation of its Website will be uninterrupted or error free, and Capital One will not be liable for the consequences of any interruptions or errors. Capital One will not, and is not obligated to, make any representations, warranties, or other statements concerning you, your website, any of your products or services, or your website policies, except as provided in the Advertisements.

VIII. Indemnification.

You agree to indemnify, defend and hold harmless Capital One and our parents, subsidiaries, Publishers, successors and assigns from any and all losses, liabilities, damages, actions, claims, expenses, and costs including, without limitation, reasonable attorneys' fees, which result or arise from or related to the development, operation, maintenance, and contents of your Website or your negligence or breach of this Agreement. Notwithstanding any provision to the contrary in your CARDSYNERGY Publisher Agreement, Capital One does not agree to indemnify you for any claims arising out of or relating to this Agreement or your participation in the Program.

IX. General Provisions

A. Independent Parties. Nothing contained herein shall imply any partnership, joint venture or agency relationship among the parties, and no party shall have the power to obligate or bind another party in any manner whatsoever, except to the extent herein provided.
B. Binding Effect. This Agreement shall inure to the benefit of and be binding upon the parties hereto and their respective successors and assigns. Nothing in this Agreement, expressed or implied, is intended to confer on any person other than the parties hereto or their respective successors and assigns, any rights, remedies, obligations or liabilities under or by reason of this Agreement.
C. Confidentiality. You shall maintain the confidentiality of all information provided to you by Capital One or provided by CARDSYNERGY in connection with your participation in the Program and protect the confidentiality of this information with the same degree of care as you use for your own confidential and proprietary information. You shall not disclose such information to any third party. Information is defined as written, graphic or electromagnetic forms, models or samples, including without limitation, business information, financial data and marketing data (including the number of clickthroughs, number of applications or accounts generated, description of products offered and similar types of information). You shall protect and keep confidential all nonpublic personal information about or pertaining to Capital One's customers disclosed by Capital One. For purposes of this Section, nonpublic personal information shall have the same meaning as
that term is defined in the Gramm-Leach-Bliley Act, Title V, and applicable regulations thereto (GLB Act). In the event that you do come to possess nonpublic personal information, you shall collect, use, and disclose such personal information only in accordance with the terms of the Agreement and for the purpose of performing its obligations under the Agreement. During the term of the Agreement, you shall not retain such personal information unless you have a specific business purpose to retain it, which purpose is set forth in or clearly implied by the Agreement. Within 10 days after termination of the Agreement, you shall destroy such personal information or return it to Capital One, at Capital One's option. Unless prohibited elsewhere in this Agreement, You may disclose such personal information to your affiliates for the sole purpose of facilitating the performance of their duties and obligations under this Agreement, but you may not disclose such personal information to another party unless such disclosure is (i) allowed by the GLB Act and consented to by Capital One, or (ii) compelled by law, in which case you will provide prior notice of such disclosure to Capital One. You represent and warrant that you have, and will continue to have for so long as you retain nonpublic personal
information about Capital One's customers, adequate administrative, technical, and physical safeguards (i) to insure the security and confidentiality of customer records and information, (ii) to protect against any anticipated threats or hazards to the security or integrity of such records, and (iii) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. Subject to the reasonable security restrictions imposed by you and upon reasonable notice, Capital One and its representatives may have access to your personnel, books, files and affairs of during normal business hours at your
offices as is reasonably necessary for Capital One to obtain all information concerning compliance by you with the terms of this Agreement. You shall at all times keep proper books and records of account, and shall maintain records and information sufficient to show its compliance with the terms of this Agreement, for at least two years following the termination date.
D. Data Ownership. Capital One and you shall co-own any information provided by you to either Capital One or CARDSYNERGY. You expressly authorize CARDSYNERGY to share with us any data you provide to them. Capital One shall solely own any data that we provide to you.
E. Modification. Capital One may modify any of the terms and conditions contained in these Marketer Terms, at any time in its sole discretion, upon 7 days written notice. You will be notified of any modification by Capital One through CARDSYNERGY prior to the effective date of the modification. Modifications may include, but are not limited to changes in the rate of compensation, payment procedures, term, and Program rules. If any modification is unacceptable to you, your sole
recourse is to terminate this Agreement. Your continued participation in the Program following notification to you of such modification will constitute binding acceptance of the change.
F. Notices and Approvals. You shall send any notice or request for approval to CARDSYNERGY.
G. Non-exclusive. You understand that this Agreement is not exclusive and we may at any time (directly or indirectly) solicit customer referrals on terms that may differ from those contained in this agreement or operate Websites that are similar to or compete with your Website.
H. Limitation of Liability. Except for claims arising in connection with our indemnification obligations to you, Capital One shall not have any liability hereunder for any indirect, special, punitive or consequential damages including, without limitation, any loss of revenue, profits, data, or business opportunities arising in connection with this Agreement or the Program, whether or not we knew or should have known that such damages might be incurred. Furthermore, except for claims arising in connection with our indemnification obligations to you, our aggregate liability to you with respect to this Agreement and the Program will not exceed the total compensation paid or payable to you under this Agreement.
I. Choice of Law. This Agreement is governed by the laws of the State of New York (USA), except for its conflict of law provisions. A party that primarily prevails in an action brought under this Agreement is entitled to recover from the other party its reasonable attorneys fees and costs.

Addendum 1

Examples of Capital One Branded Terms and Capital One Value Propositions (not all inclusive)

.com capital one
.com capitol one
accounts hibernia bank online
angel commercial
angel commerical
angel commericial
apital one
apitalone
apitalone com
apitol one
application cap 1
application cap one
application capital credit one
application capital one
application capital one
application capital one status
application capitol credit one
application capitol one
application capitol one status
application captial one
application for cap 1
application for cap one
application for capital one
application for capital one credit
card
application for captial one
apply cap 1
apply cap one
apply capital one
apply captial one
apply for cap 1
apply for cap one
apply for capital one
apply for capital one
apply for capital one credit card
apply for captial one
bank capital one
bank capitol one
bank hibernia
bank hibernia location
bank hibernia louisiana
bank hibernia national
bank hibernia national new orleans
bank hibernia national online
bank hibernia online
bank hibernia texas
bank.com hibernia
banking hibernia internet online
banking hibernia online
ca ital one
caapital one
caiptal one
caital one
Caitalone
caitalone com
caitol one
caoital one
Caoitalone
caoitalone com
caoitol one
Cap 1
cap 1 bank
cap on
Cap One
cap one bank
cap one bk
cap one com
cap1
cap1 bank
cap1 online
capaital one
Capaitalone
capatal one
Capatalone
capatial one
Capatialone
capatil one
Capatilone
capatol one
capetal one
capial one
capial one bank
Capialone
capialone com
capiatal one
Capiatalone
capiatl one
Capiatlone
capiital one
Capiitalone
capilal one
capiltal one
capiol one
Capiolone
capiotal one
capiral one
capita lone
capita one
capita one com
capitail one
capitailone
capital 0ne
Capital 1
capital 1 .com
capital 1 account
capital 1 bank
capital 1 bk
capital 1 com
capital 1 finance
capital 1 fsb
capital 1 payment
capital 1 services
capital card one
capital com one
capital finance
Capital One
capital one account
capital one account login
capital one account services
capital one accounts
capital one app
capital one application
capital one application online
capital one application status
capital one applications
capital one apply online
capital one bak
Capital One Bank
capital one bank com
capital one bank location
capital one bank locations
capital one bank online
capital one bank.com
capital one banks
capital one bowl
capital one business
capital one career
Capital one com
capital one commercial
capital one contact us
capital one corporate
capital one corporate office
capital one corporate offices
capital one corporation
capital one customer service
capital one earnings
capital one employment
capital one f s b
capital one f.s.b
capital one finance
Capital One Financial
capital one financial corp
capital one financial corporation
capital one financial services
capital one financing
capital one fraud
capital one fraud department
capital one fsb
capital one getmycard
capital one homepage
capital one incentive
capital one incentives
capital one merchant services
capital one merger
capital one my account
Capital One new
capital one nottingham
capital one offer
capital one offers
capital one official site
capital one on line
capital one online
capital one online account
capital one online account services
capital one online bank
capital one online services
capital one page
capital one payment
capital one phone number
capital one product
capital one products
capital one reward
capital one reward center
capital one service
capital one services
capital one services
capital one services inc
capital one site
capital one statement
capital one telephone number
capital one tv ad
capital one tv commercial
capital one va
capital one virginia
capital one web site
capital one website
capital one.com
capital onebank
capital ones
capital pne
capital.one
capital0ne
capital0ne com
Capital1
capital1 com
capital1.com
capital1com
capitale one
capitaleone
capitaleone com
capitall one
capitalne
capitalne com
capitalo one
capitaloe
capitalon
capitalon com
Capitalone
capitalone account
capitalone bank
capitalone bank com
capitalone business
capitalone c
capitalone c om
capitalone c0m
capitalone ccom
capitalone cm
capitalone co
capitalone co m
capitalone colm
capitalone com
capitalone come
capitalone coml
capitalone comm
capitalone comn
capitalone con
capitalone coom
capitalone copm
capitalone cp
capitalone cpm
capitalone email capitalone com
capitalone finance
capitalone financial
capitalone fsb
capitalone homepage
capitalone login
capitalone net
capitalone ocm
capitalone om
capitalone one
capitalone online
capitalone onlinebanking
capitalone org
capitalone services
capitalone site
capitalone xom
capitalone.com
capitalonebank
capitalonebank co
capitalonebank com
capitalonebanking
capitalonebanking com
capitalonecard com
capitalonecards
capitalonecom
capitalonecredit
capitalonecredit com
capitalonedirect
capitalonedirect com
capitaloneonline
capitaloneonline com
capitaloneonlinebanking
capitaloneonlinebanking com
capitaol one
capitaolone
capitaone
capitaone com
capitasl one
capitel one
capitial one
capitial one bank
capitial one com
capitialone
capitialone com
capitil one
capitiol one
capitl one
capitla one
capitlal one
capitlalone com
capitlaone
capitlaone com
capitle one
capitleone
capitlone
capitlone com
capito one
capitoal one
capitoalone
capitol 0ne
capitol 1
capitol 1 .com
capitol 1 account
capitol 1 bank
capitol 1 com
capitol 1 payment
capitol 1 services
capitol bank
capitol com one
capitol ome
capitol on
Capitol One
capitol one account
capitol one bank
capitol one bank com
capitol one bank.com
capitol one banks
capitol one bowl
capitol one business
capitol one com
capitol one customer service
capitol one finance
capitol one financial
capitol one financial corporation
capitol one fsb
capitol one homepage
capitol one login
capitol one merger
capitol one online
capitol one online account services
capitol one online services
capitol one page
capitol one payment
capitol one phone number
capitol one products
capitol one service
capitol one services
capitol one site
capitol one website
capitol one.com
capitol onr
capitol onw
capitol pne
Capitol1
capitol1 com
capitol1.com
capitole one
capitoleone
capitolone
capitolone bank
capitolone co
capitolone com
capitolone come
capitolone con
capitolone om
capitolone online
capitolone site
capitolone.com
capitolonebank
capitolonebank com
capitolonecard
capitolonecom
capitoloneonline
capiton one
capitonone
capitoone
capitral one
capitsl one
capittal one
capiutal one
capiyal one
capiyalone
caplital one
capoital one
capone
capone bank
capone com
capotal one
capotalone
capotol one
cappital one
captail one
captailone
captailone com
captal one
captal one bank
captal one com
captalone
captalone com
captial
captial 1
captial one
captial one bank
captial one com
captial one online
captialone
captialone bank
captialone com
captialonebank
captialonebank com
captil one
captila one
captilone
captioal one
captiol 1
captiol one
captiol one bank
captiol one com
captiolone
captiolone com
captional one
captital one
captital one bank
captitalone
captitalone com
captitol one
captol one
captolone
caqpital one
cardlabs
caspital one
ccapital one
ccapitalone
com capital one
com hibernia
commercial david spade
commercial with angel
commerical angel
commerical david spade
corp hibernia
cpaital one
cpital one
cpitalone
cpitalone com
creditinform capitalone
creditone bank
creditone com
creditonebank
email capitalone com
find capital one
find capitol one
get capital one
get capitol one
get my card
get my card com
get my credit card
getmycar com
getmycard
getmycard com
getmycards
getmyrewardscard
getmyrewardscard com
hibernia
hibernia bank
hibernia bank com
hibernia bank locations
hibernia bank online
hibernia bank online banking
hibernia com
hibernia national
hibernia national bank
hibernia national bank online
hibernia national bank online
banking
hibernia online
hibernia online banking
http capitalone com
http www capital one
http www capital one com
http www capitalone com
http www capitolone com
http www getmycard com
http www mycapitalonecard com
https onlinebanking capitalone com
https service capitalone com
in your wallet
in your wallett
jobs at capital one
my capital one account
mycapitalone
mycapitalone com
mycapitolone
mycapitolone com
no hassel finance
no hassel product
no hassle
no hassle business
no hassle finance
no hassle financing
no hassle help
no hassle service
online banking hibernia
onlinebanking capitalone
onlinebanking capitalone com
pital one
pitalone
pitalone com
Prime for Life
related www capitalone com
search capital one
search capitalone
search capitol one
search capitolone
service capitalone com
site capitalone com
site www capitalone com
w capitalone com
what is in your wallet
what's in your walet
whats in your wallet
What's in your wallet
what's in your wallett
whats your wallet
whats your wallett
ww capital one com
ww capitalone com
ww capitalonebank com
ww capitol one com
ww capitolone com
www caitalone com
www caoitalone com
www cap
www capi
www capialone com
www capilalone com
www capiotalone com
www capit
www capita one com
www capital
www capital com
www capital one
www capital one bank
www capital one bank com
www capital one com
www capital0ne com
www capital1
www capital1 com
www capitalcone com
www capitaleone com
www capitalne com
www capitalon
www capitalon com
www capitalone
www capitalone bank
www capitalone bank com
www capitalone c
www capitalone c om
www capitalone c0m
www capitalone ccom
www capitalone cm
www capitalone cmo
www capitalone co
www capitalone co m
www capitalone co0m
www capitalone coim
www capitalone colm
www capitalone com
www capitalone com getmycard
www capitalone come
www capitalone coml
www capitalone comm
www capitalone comn
www capitalone como
www capitalone con
www capitalone cone
www capitalone conm
www capitalone coom
www capitalone copm
www capitalone cpm
www capitalone cpom
www capitalone lcom
www capitalone net
www capitalone ocm
www capitalone om
www capitalone one
www capitalone org
www capitalone vom
www capitalone xom
www capitalonebank
www capitalonebank co
www capitalonebank com
www capitalonebanking com
www capitalonecard com
www capitalonecom
www capitalonecredit com
www capitalonedirect com
www capitalonel com
www capitaloneonline com
www capitaloneonlinebanking com
www capitaolone com
www capitaone com
www capitialone com
www capitlaone com
www capitleone com
www capitlone com
www capito one com
www capitol com
www capitol one
www capitol one com
www capitol1 com
www capitolone
www capitolone co
www capitolone com
www capitolone com careers
www capitolone come
www capitolone con
www capitolone ocm
www capitolone om
www capitolonecom
www capone com
www captailone com
www captalone com
www captial one
www captial one com
www captialone
www captialone com
www captiolone com
www captitalone com
www captitolone com
www cpitalone com
www creditone com
www creditonebank
www getmycard
www getmycard com
www getmycardcom
www hibernia com
www mycapitalone com
www mycapitolone com
www mycapitolone com
www mycapitolonecard com
www mycapitolonecard com
www mycaptialonecard com
www onlinebanking capitalone com
www service capitalone com
www www capitalone com
www.capitalone
www.capitolone
wwwcapitalone
wwwcapitalone com
wwwcapitalonecom
wwwcapitolone
wwwcapitolone com
wwwcapitolonecom
wwwmycapitalonecard com
wwww capitalone com
wwww capitolone com
wwww mycapitalonecard com

Addendum 2

Example Keywords Targeted at High Risk Customers

awful credit
bad card
bad credit
bad credit application
bad credit card
bad credit cards
bad credit mastercard
bad credit offers
bad credit visa
bad credit unsecured card
badcredit
bankruptcy credit cards
best bad credit card
credit cards bad credit history
credit repair
damaged credit
good credit card for bad credit
guaranteed credit cards for bad
credit
instant approval bad credit cards
instant bad credit card
poor credit
rebuild credit
rebuilding credit
second chance credit
secured credit cards bad credit
student credit cards bad credit
30 second approval
30 second credit card
easy approval
easy credit card
fast approval cards
fast credit cards
get credit fast
guaranteed approval
guaranteed credit
instant access card
instant approval
instant approval credit cards
instant aproval
instant credit
instant credit card
instant decision
instant mastercard
instant online approval
instant response
instant visa
instantly approved credit cards
quick approval
quick credit card

Capital One UK -

The Affiliate must not send or procure the sending of emails(s) on behalf of, or purporting to originate on behalf of, Capital One without Capital One's explicit written permission
The Affiliate must not mislead others or violate any applicable laws or regulations, including but not limited to the Consumer Credit Act 1974 and The Consumer Credit (Advertising) Regulations 2004
The Affiliate must not contain or promote or operate a hyperlink to a website that contains or promotes any pornographic, political, libelous, defamatory, obscene, abusive, violent, or illegal material, or offers any illegal goods or services, or is targeted at children
The Affiliate must not engage in or encourage any illegal activity of any type
The Affiliate must not use Capital One's Advertisements or Links unless they have been authorized to do so
The Affiliate must not modify the Advertisements, URLs or separate or change the Links without Capital One's prior written consent
The Affiliate must not make any representations (either express or implied) or any commentary about Capital One or any Capital One Product
The Affiliate must not download on to their websites any images relating to Capital One from any sources other than those permitted in this Agreement
The Affiliate must not create the appearance that a visitor to the Affiliate's website is visiting Capital One's website, whether by including Capital One in their website domain name, framing, pop-up windows, pop-under windows or otherwise
The Affiliate must not place Links to Capital One's website on unsolicited e-mails, internet newsgroups, internet message boards, internet chatrooms and other unmoderated internet forums where material can be placed by someone other than the Affiliate
The Affiliate must not use methods or engage third parties that use methods which are not in good faith to encourage Click-Throughs, including by means of pop-up and pop-under windows, hidden frames, or redirecting internet traffic
The Affiliate must not establish or cause to be established any promotion that provides any rewards, points or other compensation for clicking on Capital One's Link or making an online Application for a Capital One Product without the express permission of Capital One
The Affiliate must not bid for Capital One brand names "Capital One," "Capital 1", "Capitalone" or any other phrase containing them through the search engines unless a license has been issued from Capital One. Agreeing to these Specific Terms does not constitute such license
The Affiliate must agree not to use the Capital One Link in a manner that disparages Capital One, or its products or services, or portrays Capital One and/or its products or services in a false light. Affiliate will comply with Capital One's requests as to the use of the Capital One Link or its Intellectual Property Rights and will not knowingly take any action that diminishes the value thereof
The Affiliate must ensure their Website and referring websites used by the Affiliate will not libel, defame, cause injury to, invade the privacy of or otherwise infringe or violate the rights of any person or third party
In consideration of Capital One making the Advertisements available to the Affiliate, the Affiliate shall indemnify Capital One against all proceedings, costs, expenses, liabilities, injury, death, loss, or damage arising out of the breach or negligent performance or failure in performance by Affiliate of these Specific Terms.
Affiliate agrees that its relationship with Capital One is governed by English law and is subject to the exclusive jurisdiction of the English courts. For the avoidance of doubt, Affiliate undertakes that it shall not bring, seek to bring, procure the bringing of, or assist in any way, proceedings of any kind against Capital One in respect of this contractual relationship in any forum other than the courts of England.
Affiliate agrees that Capital One may, from time to time, review the performance and compliance of an Affiliate, and if deemed appropriate terminate the relationship.
All changes requested by Capital One must be implemented within 48hrs of notice.
Affiliate agrees that Capital One reserves all of its right, title and interest in its Intellectual Property Rights in the Capital One Link and the Capital One Website (www.capitalone.co.uk)
The Affiliate acknowledges and agrees that Capital One does not permit any Affiliate within its affiliate marketing program which (i) purports to provide services it does not, or (ii) holds itself out as an entity which it is not, or (iii) a reasonable person may infer is Capital One, including (but not limited to) through the use of Capital One-related terms within URLs, website addresses or website content.

Chase -

Site Content/Display:

Chase reserves the right to decline or remove any website already in the program containing Restricted Content, which shall include, but is not limited to:
Images or content that is any way unlawful, offensive, profane, harmful, threatening, defamatory, obscene, harassing or racially, ethically or otherwise objectionable
Images or content that  promotes illegal activities, including gambling
Images or content that promotes or depicts sexually explicit, obscene or pornographic images
Images or content that promotes or depicts violence or hate speech
Images or content that promotes discrimination based on race, sex, religion, nationality, disability, sexual orientation or age
Images or content that promotes politically sensitive or controversial issues
Images or content that infringe or assist others to infringe on any copyright, trademark or other intellectual property rights

Chase may also remove one from their program if an Affiliate website:
Does not clearly state an online privacy policy to its visitors
Is based outside of the United States
Manipulates key word searches on portals
Engages in domain squatting or typosquatting
Provides an applicant any incentive, whether it be cash, points, or other material gift, in exchange for a credit card application or approved credit card application, unless explicitly authorized by the Chase Affiliate Marketing Team
Is otherwise considered offensive or inappropriate, at Chase's discretion
Uses a proxy server or redirector server to proxy Chase web pages or web websites through your website, URL or URI
Otherwise violates intellectual property rights, including, without limitation, "scraping" text or images from Chase's Website
Misrepresents itself as a Chase Website by altering the visual "look and feel" of or text from Chase's website, and/or engage in "framing" the Chase Website
Uses Chase marks, names in the domain name, URL or URI, which includes, but are not limited to, any combination of the following words:
 
o       JP
o       MORGAN
o       CHASE
o       MANHATTAN
o       AARP
o       AMAZON.COM
o       BALL STATE UNIVERSITY
o       BORDERS
o       BRITISH AIRWAYS
o       CASH PLUS
o       CHASE FREEDOM
o       CENTRAL MICHIGAN UNIVERSITY
o       CONTINENTAL
o       CORNELL UNIVERSITY
o       DISNEY
o       DUKE UNIVERSITY
o       FLEXIBLE REWARDS
o       FREE CASH
o       HARVARD COOP
o       HESS
o       HOME IMPROVEMENT
o       LEHIGH UNIVERSITY
o       LOUISIANA STATE UNIVERSITY
o       MARATHON
o       MARRIOTT
o       MIAMI UNIVERSITY
o       OHIO UNIVERSITY
o       OVERSTOCK
o       PERFECT CARD
o       PRIORITY CLUB / HOLIDAY INN
o       SONY
o       SOUTHERN ILLINOIS UNIVERSITY
o       SPEEDWAY SUPER AMERICA
o       STARBUCKS
o       SUBARU
o       TEMPLE UNIVERSITY
o       TOYS "R" US
o       TRAVEL PLUS
o       TRUMP
o       ULTIMATE REWARDS
o       UNITED
o       UNIVERSAL
o       UNIVERSITY OF ARIZONA ATHLETICS
o       UNIVERSITY OF CHICAGO
o       UNIVERSITY OF FLORIDA
o       UNIVERSITY OF HOUSTON
o       UNIVERSITY OF IDAHO
o       UNIVERSITY OF KENTUCKY
o       UNIVERSITY OF MARYLAND
o       UNIVERSITY OF MEMPHIS
o       UNIVERSITY OF MINNESOTA ATHLETICS
o       UNIVERSITY OF NOTRE DAME
o       UNIVERSITY OF OKLAHOMA
o       UNIVERSITY OF OREGON
o       UNIVERSITY OF SOUTH CAROLINA
o       UNIVERSITY OF TENNESSEE
o       UNIVERSITY OF VIRGINIA
o       UTAH STATE UNIVERSITY
o       VALUE MILES
o       VIRGINIA TECH APPROVED ACCOUNT
o       VOLKSWAGEN
o       WESTERN ILLINOIS UNIVERSITY
o       YALE UNIVERSITY

Chase reserves the right to maintain a program black-list of websites prohibited from marketing Chase credit cards through the Affiliate Program, regardless of operating direct or indirect through Sub-Affiliate networks. Websites placed on the Chase program black-list will not be permitted to market Chase credit cards without explicit consent from Chase.

 Affiliate Responsibilities:

Affiliate may not use or implement any advertising material to promote any Chase credit card that is not available through the affiliate channel.  
Affiliates may not harvest or collect personal information, or email addresses using the Chase brand without the written consent of Chase.
If Affiliate owns multiple URLs, Affiliate shall provide CARDSYNERGY with a current, written list identifying the potential URLs. It being understood that Chase must review and approve any Affiliates and URLs before they may begin marketing Chase credit cards. 
Affiliates shall not use any keyword search terms identified in Addendum 1 and those terms must be added as negatives, which is hereby incorporated by reference and which may be modified from time to time by Chase. 
Affiliate is prohibited from (a) installing spyware on another person's computer, (b) causing spyware to be installed on another person's computer, or (c) using a context based triggering mechanism to display an advertisement that partially or wholly covers or obscures paid advertising or other content on an Internet website in a way that interferes with a user's ability to view the Internet website.
Affiliate is prohibited from marketing Chase in the following categories: Balance Transfers, Instant Approval, Bad Credit, Poor Credit, and New to Credit.
Affiliate is prohibited from marketing Chase on any website geared towards those with bad credit, poor credit, new to credit, secured credit, credit repair, etc.
 
Affiliate is prohibited from marketing Chase on any website geared towards students.
 
Affiliate is prohibited from promoting a Chase products or services through: (a) e-mail; (b) telemarketing (c) text messaging, (d) any off-line marketing channel or (e) any other means not expressly agreed to by Chase.

Links

Affiliate agrees to place Chase's links provided by CARDSYNERGY which manages the Affiliate Program ("Links") on its Affiliate's website.  Affiliate is responsible for obtaining prior written approval from CARDSYNERGY to link any or all other websites owned or managed by the Affiliate, other than the website that was approved at the time of original registration.  Affiliate may select or remove Links, at any time without prior approval. Affiliate is also responsible for removing and/or informing CARDSYNERGY of potential inactive or misdirected Links. Affiliate agrees to cooperate with CARDSYNERGY and Chase in establishing and maintaining Links.
Terms and Conditions of Credit Cards
Chase is solely responsible for determining the terms and conditions of the credit cards. The credit card offers may vary from time to time and are subject to change.  Affiliate may not specify details regarding the Chase credit card on their Websites without the prior approval of CARDSYNERGY and Chase.
Chase Customers
Customers who apply for Chase credit cards through the Chase Affiliate Program are customers of Chase. Affiliate has no authority to make or accept any offer on behalf of Chase. All Chase policies regarding Customer orders, including availability, pricing and problem resolution, will apply to these Customers. Affiliate has no authority to make, and Chase is not responsible for, any representations made by Affiliate that contradict these policies.
Product Descriptions
Affiliate will only use credit card descriptions provided or approved in writing by Chase. Chase is requesting that all bullets for their offers be used, they must be verbatim and for the Freedom offers the bullets must be in order. . If they find that you are not using approved copy, or art, or are not following their policies they have stated that they will consider you for removal of the Chase program or will withhold commissions. Compliance is very important to Chase.
Copyrighted Material
Affiliate is solely responsible for ensuring that its reviews and articles obey all applicable copyright and other laws. Generally, Affiliate must have express permission to use another party's copyrighted or other proprietary material. Chase shall not be responsible for Affiliate's improper use of another party's copyrighted or proprietary material.
Trademarks
All Chase trademarks, trade names and service marks and other proprietary material (collectively, the "Marks") are the exclusive property of Chase. Notwithstanding anything set forth in this Agreement, Chase reserves full ownership of the Marks and the Licensed Materials (as defined below). All use of the Marks by Affiliate is limited solely to the use contemplated by this Agreement.  All use of Chase Marks by Affiliate is subject to the prior written approval of Chase.
Licenses and Use of the Chase Logos and Trademarks
Chase grants Affiliate a non-exclusive, nontransferable, revocable right to use Chase's logos, trade names, trademarks, and similar identifying material relating to Chase (collectively, the "Licensed Materials"), for the sole purpose of promoting Chase credit cards as defined under the terms of this Agreement. Prior to using any of the Licensed Materials, Affiliate will submit to CARDSYNERGY for Chase for approval a draft of all proposed material that incorporates the Licensed Materials, together with a brief statement setting forth the proposed use of such materials and any other background or supporting material reasonably requested by Chase to allow Chase to make an informed judgment. All such materials shall be submitted to CARDSYNERGY for Chase at least seven (7) days prior to the date of first intended use.CARDSYNERGY will notify Affiliate of Chase's approval or disapproval of such materials of all information required to be submitted.
The approval or disapproval of such materials will be in Chase's sole discretion. Any materials not receiving Chase's specific written approval will be deemed disapproved and may not be used. Affiliate may not alter, modify, or change the Licensed Materials in any way. Affiliate is only entitled to use the Licensed Materials to the extent that it is an Affiliate in good standing. Affiliate agrees not to use the Licensed Materials in any manner that is disparaging or that otherwise portrays Chase in a negative light. Chase may revoke Affiliate's license at any time.

Service Interruption

Certain technical difficulties may, from time to time, result in service interruptions. Affiliate agrees not to hold Chase responsible for the consequences of such interruptions.

Indemnification

Affiliate hereby agrees to indemnify, defend, and hold harmless Chase, its shareholders, officers, directors, employees, agents, affiliates and their respective directors, officers, employees and agents, successors and assigns, from and against any and all claims, demands, losses, liabilities, damages or expenses (including attorneys' fees and costs) of any nature whatsoever incurred or suffered by Chase (collectively the "losses"), in so far as such losses (or actions in respect thereof) arise out of, are related to, or are based on (i) the breach of any representation, warranty, agreement or covenant made by Affiliate herein; or (ii) any claim related to Affiliate's website

Confidentiality

Except as otherwise provided in this Agreement or with the consent of the other party hereto, each of the parties hereto agrees that all information including, without limitation, the terms of this Agreement, business and financial information, customer and vendor lists, and pricing and sales information, concerning Chase, Customer or Affiliate shall remain strictly confidential and secret and shall not be utilized, directly or indirectly, by such party for its own business purposes or for any other purpose except and solely to the extent necessary to exercise rights and perform obligations under this Agreement. The foregoing restrictions will not apply to information to the extent it (i) was known to the receiving party at the time of disclosure; (ii) has become publicly known through no wrongful act of the receiving party; (iii) has been rightfully received from a third party under no obligation to the disclosing party; (iv) has been disclosed by court order or as otherwise required by law if the receiving party has given the disclosing party a reasonable opportunity to contest or limit the scope of such required disclosure.

Modification

Chase reserves the right to change any and all of the terms and conditions in this Agreement, at any time and in its sole discretion. Without limiting the generality of the foregoing, the amount of Referral Fees, the definition of Approved Accounts, and all other provisions of this Agreement are subject to change without notice other than posting such information on the Chase Website. IF ANY MODIFICATION IS UNACCEPTABLE TO AFFILIATE, THE ONLY RECOURSE IS TO TERMINATE THIS AGREEMENT. AFFILIATE'S CONTINUED PARTICIPATION IN THE AFFILIATE PROGRAM FOLLOWING ANNOUNCEMENT OF CHANGE WILL CONSTITUTE BINDING ACCEPTANCE OF THE CHANGE.

Warranty Disclaimer

Chase makes no warranties, representations or conditions with regard to the Chase Affiliate Program or any services provided hereunder, whether express or implied, arising by law or otherwise, INCLUDING, WITHOUT LIMITATION, ANY IMPLIED WARRANTY OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR NONINFRINGEMENT OR ANY IMPLIED WARRANTY ARISING OUT OF COURSE OF PERFORMANCE, COURSE OF DEALING OR USAGE OF TRADE.

Limitation of Damages

Chase shall have no liability for any indirect, incidental, special or consequential damages or any loss of revenue or profits arising under or with respect to this Agreement or the Affiliate Program, regardless of whether Chase has been advised of the possibility of such damages. Further, Chase's aggregate liability arising under or with respect to this Agreement or the Affiliate Program shall in no event exceed the total Referral Fees paid or payable by Chase to Affiliate under this Agreement.

Compliance Details-

General Offer Details:

-Chase requires that all text be listed verbatim, and if there are asterisks in the text they must be present on the affiliate site.
- Affiliates must list APRs properly whatever is applicable to the offer. Some Chase offers have single APRs i.e. 13.24% Variable*and some are range APRs i.e.13.24%-19.24% Variable*
- To be compliant with UDAP Variable is required in all instances where purchase, balance transfer, Cash Advance, Etc rate info is listed, affiliates cannot use (V) to abbreviate.
-Chase prefers that all bullets be listed for their products, but they will understand if affiliates cannot fit all. i.e. on home page where they may have limited space.
-No Chase offers can be promoted as instant approval, guaranteed approval, or as pre-approved.
-There can be no mentions of Bank One or Chase Manhattan on affiliate sites
- No Chase offers can be located in a Fair, Bad, No Credit, Limited or New to Credit Section.
- Chase REQUIRES that for all affiliates if they have a grid section to put credit needed for all of their offers as Excellent Credit. Their offers can be listed in categories on the website for credit of good or excellent. But the requirement for the grid must state Excellent, and cannot state anything other.
-BT Yes and No....The only 3 offers that will say BT NO are Sapphire, Sapphire Preferred, and Ink Bold All other Chase offers will state BT Yes.
- The only offers allowed to be promoted in the Balance transfer category are the Freedom Visa offers, and Slate Visa.

-All Chase Bank URLs are prohibited from being promoted. i.e. www.sendmethecard.com, www.chasecreditcard.com, www.freedomcard.com, etc.

Chase Freedom Specific Details:

-If the Freedom offer has an intro Chase requires that the balance transfer intro be displayed. If you have two separate grid sections one for purchase intro and one for BT intro, that is fine. If you have only one section, you must either just list the balance transfer intro of: 12 months on balance transfers, or lead with the BT intro as: 12 months on balance transfers, 6 months on purchases. Chase wants for this to be specific.
- Freedom offers must list the bullets in order.
-The Freedom MasterCard $100 offer is limited only to the following categories: MasterCard, Chase, and Excellent or Good.

Ink Specific Details:

-For the Ink offers that have intros, they want both listed in each section of the grid. So they would like purchase and BT intro listed in the purchase section, and purchase and BT intro listed in the BT section. The display would read: 6 months on purchases and balance transfers.


Chase is following UDAP policy and guidelines, below is a table to clarify points of display.

Instead of this
Say this
P+
Prime Rate +
V
Variable
APR
Must cleanly distinguish between in Intro APR and Ongoing APR
Fixed
Can no longer use this word

Chase Terms/Bidding Policy:

Affiliates shall not use as a keyword search term any Chase marks or, names, which include,  but are not limited to, any word or combination of the words listed in Appendix 1, which is hereby incorporated by reference and which may be modified from time to time by Chase.  In addition, Affiliate shall include said keywords as a negative term, so as not to appear in a broad search match.

Appendix 1

List of Restricted Terms (This List Is Not All Inclusive)

 
Chase
Chase bank
www.chase.com
www.creditcardsatchase.com
www.chasecreditcard.com
chase.com
creditcardsatchase.com
chasecreditcard.com
chase credit card
chase credit cards
Chase Freedom
Freedom Card
JP
MORGAN
CHASE
BLUEPRINT
CASH PLUS
CHASE FREEDOM
FLEXIBLE REWARDS
FREE CASH
INK
INK BOLD
INK CASH
INK PLUS
INK CLASSIC
PERFECT CARD
SAPPHIRE
SAPPHIRE PREFERRED
TRAVEL PLUS
ULTIMATE REWARDS
ULTIMATE REWARDS PROGRAM
VALUE MILES
DISNEY
MANHATTAN
AARP
AMAZON.COM
BALL STATE UNIVERSITY
BORDERS
BRITISH AIRWAYS
CENTRAL MICHIGAN UNIVERSITY
CONTINENTAL
CORNELL UNIVERSITY
DISNEY
DUKE UNIVERSITY
HESS
HOME IMPROVEMENT
HYATT
LEHIGH UNIVERSITY
LOUISIANA STATE UNIVERSITY
MARATHON
MARRIOTT
MIAMI UNIVERSITY
OHIO UNIVERSITY
OVERSTOCK
PRIORITY CLUB / HOLIDAY INN
SOUTHERN ILLINOIS UNIVERSITY
SUBARU
TEMPLE UNIVERSITY
TOYS "R" US
TRUMP
UNITED
UNIVERSITY OF ARIZONA ATHLETICS
UNIVERSITY OF CHICAGO
UNIVERSITY OF FLORIDA
UNIVERSITY OF HOUSTON
UNIVERSITY OF IDAHO
UNIVERSITY OF KENTUCKY
UNIVERSITY OF MARYLAND
UNIVERSITY OF MEMPHIS
UNIVERSITY OF MINNESOTA ATHLETICS
UNIVERSITY OF NOTRE DAME
UNIVERSITY OF OKLAHOMA
UNIVERSITY OF OREGON
UNIVERSITY OF SOUTH CAROLINA
UNIVERSITY OF TENNESSEE
UNIVERSITY OF VIRGINIA
UTAH STATE UNIVERSITY
VIRGINIA TECH APPROVED ACCOUNT
WESTERN ILLINOIS UNIVERSITY
YALE UNIVERSTIY
AARP.org
AARP.com
AARP membership
AARPmagazine.com
AARPhealthcare.com
AARP foundation
AARP passport
www.travelocity.com/AARP
AARP Bulletin
American Association of Retired Persons
AARP Insurance
AARP partner
AARP providers
AARP advocacy
Segunda Juventud
AARP Hot Deals
Amazon
Amazon.com
www.amazon.com
Amazon Books
Amazon DVD
Amazon Movies
Amazon Music
Borders
Borders Stores
Borders Books
www.borders.com
www.bordersbooks.com
British Airways
British Air
www.britishairways.com
www.ba.com
ba
Hess
www.hess.com
Amerada
Holiday Inn/Priority Club
Holiday Inn
Holiday Inn Express
Priority Club
IHG
www.ichotelsgroup.com
InterContinental
InterContinental Hotels Group
Crowne Plaza
Hotel Indigo
Staybridge Suites
Candlewood Suites
Marathon
Marathon Oil
Marathon Petroleum Company
Speedway
Speedway SuperAmerica
SuperAmerica
Marriott
www.marriottrewards.com
www.marriott.com
Marriott
Marriott Rewards
Subaru
My Subaru
Subaru World
Subaru of America
www.toysrus.com
Toysrus.com
Toys "R" Us
Toys "R" Us International
Kids"R"Us
Babies"R"Us
Babiesrus.com
Toyologist
Toysrus/Amazon
Babiesrus/Amazon
www.personalizedbyrus.com
Disney credit card(s)
cheap disney vacation
disney world vacations
cheap disney vacations
disneyland bargain
child vacation
disneyland bargains
childrens vacations
disneyland cheap
discount disney travel
disneyland discount
discount disney vacation
disneyland discounts
discount disney vacations
disneyland offer
discount vacation
disneyland offers
discount vacations
disneyland promotion
Disney
disneyland promotions
disney bargain
disneyland save
disney bargains
disneyland save
disney cheap
disneyland savings
disney cruise
disneyland savings
disney cruise vacations
disneyland travel
disney deal
disneyland trip
disney discount
disneyland trips
disney family vacation
disneyland vacation
disney family vacations
disneyland vacations
disney florida vacation
disneyworld bargain
disney florida vacations
disneyworld bargains
disney golf vacations
disneyworld cheap
disney honeymoon
disneyworld offer
disney honeymoon vacation
disneyworld offers
disney honeymoons
disneyworld promotions
disney offer
disneyworld save
disney offers
disneyworld savings
disney package
disneyworld vacation
disney package vacations
disneyworld vacations
disney promotion
family vacation
disney promotions
family vacations
disney resort
kid vacation
disney resort vacation
kids vacations
disney resort vacations
magic kingdom
disney resorts
orlando disney vacations
disney savings
orlando rentals
disney travel
orlando vacations
disney travel package
special disney travel
disney vacation   
special vacation packages
disney vacation club
walt disney bargain
disney vacations
walt disney bargains
disney vacations florida   
walt disney cheap
disney vacations Orlando
walt disney deal
disney world bargain
walt disney deals
disney world bargains
walt disney offer
disney world cheap
walt disney offers
disney world discount
walt disney resort vacations
disney world offer
walt disney save
disney world offers
walt disney savings
disney world package
walt disney vacation
disney world save
walt disney vacations
disney world savings
walt disney world vacation
disney world vacation
walt disney world vacations
United Restricted Key Words
Mileage Plus Explorer Card
United Explorer Card
united airlines
united air fare
united
united airlines reservations online
united air
united airline fare
united.com
United Escapes
united airline
international united flights
www.united.com
untied air
united flight
united first class
unitedairlines.com
United Vacation
UAL
united travel
united airlines.com
united star alliance
ual.com
united airlines specials
united air lines
united discounts
www.unitedairlines.com
united trip
united airlines schedule   
travel with united
united airline travel
united airlines discounts
united reservation
united airlines official website
www.ual.com
united business class
united express
united airlines airports
united reservations
united airlines star alliance
www.united airlines.com
united non-stop flights
united fares
united packages
united airline flight
international united travel
united and airlines
united airlines economy plus
United Vacations
united airports
united airlines tickets
united group travel
united airlines flights
United Escape
united express airlines
easy update
united flights
united air vacations
unitedair
united fare sale
United airfare
united last minute fares
www.united airlines
united efares
untied airlines
united getaways
www.unitedairlines
united low fares
united airline.com
united airlines bookings
united air line
cities united flies
united airlines travel
fly on united
united airlines homepage
united airlines group travel
united airlines website
united airlines travel certificates
united destinations
United Easy Update
united airline flights
united airlines business travel
united airlines home page
united special deals
United airfares
united business travel
e-fares
untiedair
united airlines website
united economy class
united airlines fares
united package deals
www.unitedairline.com
international united ticket
united airlines home
international united tickets
united airlines vacations
shop for united flights
vacation travel
United EasyUpdate
united specials
fly with united
www.united airline.com
united e fares
unitied airlines
united travel certificates
united deals
united air star alliance
international united flight
united fare search
united airlines online
United Escapes
united e-fares
international united flight
united airlines cities
united airlines online
united air fare
united e-fares
united airlines reservations online
united airlines cities
united airline fare     
Continental Restricted Key Words
Continental airlines
Continental air fare
Continental
Continental airlines reservations online
continental.com
Continental airline fare
continental airline
international Continental flights
www.continental.com
Continental air
continental flight
Continental first class
continental air lines
Continental Vacation
continental airlines schedule
Continental travel
continental airline travel
Continental airlines specials
continental reservation
Continental discounts
continental reservations
Continental trip
continental fares
travel with Continental
continental airline flight   
Continental airlines discounts
continental and airlines   
Continental airlines official website
Continental Vacations
Continental business class
continental airlines tickets
Continental airlines airports
continental airlines flights
Continental non stop flights
continental flights
continental airlines
Continental packages
continental air line
International Continental travel
continental airlines travel
Continental airports
continental airlines homepage
Continental group travel
continental airlines website
Continental air vacations
continental destinations
Continental fare sale
continental airlines vacations
Continental last minute fares
continental air fare
Continental getaways
continental airlines reservations online
Continental low fares
continental airline fare
Continental airlines bookings
international continental flight
cities Continental flies
continental airlines online
fly on Continental
continental airlines cities
Continental airlines group travel
Continental economy class
Continental airlines travel certificates
Continental package deals
Continental airlines business travel
international Continental ticket
Continental special deals
international Continental tickets
Continental business travel
shop for Continental flights
fly with Continental
AARP
AARP
AARP advocacy
AARP Bulletin
AARP foundation
AARP Hot Deals
AARP Insurance
AARP membership
AARP partner
AARP passport
AARP providers
AARP.com
AARPhealthcare.com
AARPmagazine.com
AMAZON
Amazon
Amazon
Amazon Books
Amazon DVD
Amazon DVD
Amazon Movies
Amazon Music
AMAZON.COM
Amazon.com
Amerada
American Association of Retired Persons
Babies"R"Us
Babiesrus.com
Babiesrus/Amazon
Ball State University
Blueprint
Borders
Borders
Borders Books
Borders Stores
British Air
British Air
British Airways
Candlewood Suite
Cash Plus
Central Michigan University
Chase
CHASE
Chase bank
Chase credit card
Chase credit cards
Chase Freedom
CHASE FREEDOM
Chase.com
Chasecreditcard.com
cheap disney vacations
child vacation
childrens vacations
cities united flies
CONTINENTAL
Continental
Continental air
continental air fare
Continental air fare
continental air line
continental air lines
Continental air vacations
continental airline
Continental airline fare
continental airline flight
continental airline travel
Continental airlines
continental airlines
Continental airlines airports
Continental airlines discounts
continental airlines flights
continental airlines homepage
Continental airlines official website
continental airlines reservations online
Continental airlines reservations online
continental airlines schedule
Continental airlines specials
continental airlines tickets
continental airlines travel
continental airlines vacations
continental airlines website
Continental airports
continental and airlines
Continental business class
continental destinations
Continental discounts
Continental fare sale
continental fares
Continental first class
continental flight
continental flights
Continental getaways
Continental group travel
Continental last minute fares
Continental low fares
Continental non stop flights
Continental packages
continental reservation
continental reservations
Continental Restricted Key Words
Continental travel
Continental trip
Continental Vacation
Continental Vacations
continental.com
Cornell University
creditcardsatchase.com
Crowne Plaza
Crowne Plaza
discount disney travel
discount disney vacation
discount disney vacations
discount vacation
discount vacations
DISNEY
disney
disney bargain
disney bargains
disney cheap
Disney credit card(s)
disney cruise
disney cruise vacations
disney deal
disney discount
disney family vacation
disney family vacations
disney florida vacation
disney florida vacations
disney golf vacations
disney honeymoon
disney honeymoon vacation
disney honeymoons
disney offer
disney offers
disney package
disney package vacations
disney promotion
disney promotions
disney resort
disney resort vacation
disney resort vacations
disney resorts
disney savings
disney travel
disney travel package
disney vacation
disney vacation club
disney vacations
disney vacations florida
disney vacations orlando
disney world bargain
disney world bargains
disney world cheap
disney world discount
disney world offer
disney world offers
disney world package
disney world save
disney world savings
disney world vacation
disney world vacations
disneyland bargain
disneyland bargains
disneyland cheap
disneyland discount
disneyland discounts
disneyland offer
disneyland offers
disneyland promotion
disneyland promotions
disneyland save
disneyland save
disneyland savings
disneyland savings
disneyland travel
disneyland trip
disneyland trips
disneyland vacation
disneyland vacations
disneyworld bargain
disneyworld bargains
disneyworld cheap
disneyworld offer
disneyworld offers
disneyworld promotions
disneyworld save
disneyworld savings
disneyworld vacation
disneyworld vacations
Duke
Duke University
easy update
e-fares
family vacation
family vacations
Flexible Rewards
fly on united
fly with united
Free Cash
Freedom Card
HESS
Hess
Holiday Inn Express
Holiday Inn/Priority Club
Home Improvement
Hotel Indigo
Hyatt
IHG
Ink
Ink Bold
Ink Cash
Ink Plus
InterContinental
InterContinental Hotels
international Continental flights
International Continental travel
international united flight
international united flight
international united flights
international united ticket
international united tickets
international united travel
JP
JP Morgan
kid vacation
kids vacations
Kids"R"Us
Lehigh University
Louisiana University
Louisiana State University
magic kingdom
MANHATTAN
MARATHON
Marathon
Marathon Oil
Marathon Petroleum Company
MARRIOTT
Marriott
Marriott
Marriott Rewards
MIAMI UNIVERSITY
MORGAN
My Subaru
Ohio University
orlando disney vacations
orlando rentals
orlando vacations
Overstock
Perfect Card
Priority Club
Priotiy Club/Holiday Inn
Sapphire
Sapphire Preferred
Segunda Juventud
shop for united flights
Southern Illinois University
special disney travel
special vacation packages
Speedway
Speedway SuperAmerica
Staybridge Suites
SUBARU
Subaru
Subaru of America
Subaru World
SuperAmerica
Temple University
Toys "R" Us
Toys "R" Us International
TOYS "R" US
Toysrus.com
Toysrus/Amazon
Travel Plus
travel with Continental
travel with united
UAL
ual.com
Ultimate Rewards
Ultimate Rewards Program
UNITED
united
united air
united air fare
united air fare
united air line
united air lines
united air star alliance
united air vacations
United airfare
United airfares
united airline
united airline fare
united airline fare
united airline flight
united airline flights
united airline travel
united airline.com
united airlines
united airlines airports
united airlines bookings
united airlines business travel
united airlines cities
united airlines cities
united airlines discounts
united airlines economy plus
united airlines fares
united airlines flights
united airlines group travel
united airlines home
united airlines home page
united airlines homepage
united airlines official website
united airlines online
united airlines online
united airlines reservations online
united airlines reservations online
united airlines schedule
united airlines specials
united airlines star alliance
united airlines tickets
united airlines travel
united airlines travel certificates
united airlines vacations
united airlines website
united airlines website
united airlines.com
united airports
united and airlines
united business class
united business travel
united deals
united destinations
united discounts
united e fares
United Easy Update
United EasyUpdate
united economy class
united efares
united e-fares
united e-fares
United Escape
United Escapes
United Escapes
united express
united express airlines
united fare sale
united fare search
united fares
united first class
united flight
united flights
united getaways
united group travel
united last minute fares
united low fares
united non-stop flights
united package deals
united packages
united reservation
united reservations
United Restricted Key Words
united special deals
united specials
united star alliance
united travel
united travel certificates
united trip
United Vacation
United Vacations
united.com
unitedair
unitedairlines.com
unitied airlines
University of Arizona Athletics
University of Chicago
University of Florida
University of Houston
University of Idaho
University of Kentucky
University of Maryland
University of Memphis
University of Minnesota Athletics
University of Notre Dame
University of Oklahoma
University of Oregon
University of South Carolina
University of Tennessee
University of Virginia
untied air
untied airlines
untiedair
Utah State University
vacation travel
Value Miles
Virgini Tech Approved Account
walt disney bargain
walt disney bargains
walt disney cheap
walt disney deal
walt disney deals
walt disney offer
walt disney offers
walt disney resort vacations
walt disney save
walt disney savings
walt disney vacation
walt disney vacations
walt disney world vacation
walt disney world vacations
Western Illinois University
www.amazon.com
www.ba.com, ba
www.borders.com
www.bordersbooks.com
www.britishairways.com
www.chase.com
www.chasecreditcard.com
www.continental.com
www.creditcardsatchase.com
www.hess.com
www.ichotelsgroup.com
www.marriott.com
www.marriottrewards.com
www.personalizedbyrus.com
www.toysrus.com
www.toysrus.comToyologist
www.travelocity.com/AARP
www.ual.com
www.united airline.com
www.united airlines
www.united airlines.com
www.united.com
www.unitedairline.com
www.unitedairlines
www.unitedairlines.com
Yale University
Southwest
Southwest Rapid Rewards
Rapid Rewards
RapidRewardsCard.com
Ritz Carlton
Ritz Carlton Rewards

No affiliates are authorized to market "send me the card" which is an offline program at Chase for pre-qualified applicants. There should be no traffic or other means of distribution on these terms. This includes SEM, SEO, etc.

The use of Chase URLs in the headline or display URL is prohibited.

Chase will be watching the search engines very closely regarding their guidelines. They have stated that they will consider affiliates for removal of the Chase program or will withhold commissions if their bidding policies are not followed.

Citibank -

1. Citibank does not permit any of their offers to be listed in instant approval categories at this time. Citibank does not want this even though an offer may have a bullet listing something to this effect.
2. Citibank requires affiliates to list the full word "Variable" after their APRs
3. Citibank is complying with the Card act with the display of their APRs and intro APRs and text to be transparent. Please ensure that you make any necessary updates to reflect these changes. i.e. 9.99%-19.99%*(Variable) or 0% intro APR for 12 months* this will vary on offer.
4. Citibank does not accept instances of 0% APR, intros must be displayed as 0% intro APR.
5. Text must be verbatim, cannot take anything off the landing page.
 

Citi and Partner Trademarked Terms

Publishers are now prohibited from bidding on the following specific brand terms (note: it is not required to place these terms on negative match):
citi
citibank
citicards
citi cards
citicard
citi card
citi credit card
citi credit cards
citibank credit card
citibank credit cards
Restricted Keywords
Publishers are prohibited from bidding on Citi URLs or any variations thereof, and also must be negative matched. Some of these include:

 * www.applyonline.citicards.com
 * applyonline.citicards.com
 * www.applynow.citicards.com
 *  applynow.citicards.com
 *  www.citicards.com
 *  www.citicard.com  
  
Publishers are prohibited from bidding on all AAdvantage / American Airlines brand terms. Publishers are prohibited from bidding on the following terms as well as variations and misspellings thereof: aadvantage, advantage, aa, american airlines, american airline, and aa.com.  In addition, please put these terms on negative match and update any policies for sub publisher review.
 
Common modifier terms are included in the policy such as: citi, citibank, mastercard, visa, card, cards, and credit card.  Variation examples that are prohibited include: aadvantage card, citibank aadvantage, american airlines credit card, etc."

Prohibited keywords should be placed on negative match.

Ad Copy Guidelines

* Citi trademarked product names may not be used in ad copy titles (e.g. Citi Platinum Select). 
* The words "Citi" or "Citibank" or misspellings thereof may not be used in any part of the display URL.
*  The words "free", "Preapproved", "Official", "instant approval", "no balance transfer fee" or any variation thereof may not be used in any part of the ad copy.
* All ad copy must accurately reflect product features.
At no time may any affiliate share links with non-approved sites. If Citi cards content and links are found on a non-approved site, the affiliate will be charged a 10% deduction from their bounties for the month during which the offense was identified.
Publishers also CANNOT display any of the above URLs within their sites, content surrounding this URL or use any language of "pre-approval" "Official" or "Instant Approval", etc. with the Citi offers on their sites if found doing so their links will be suspended. These URLs are NOT meant for the affiliate channel and should not used by the affiliates in any form.

Discover -

Marketing Material Information and Guidelines:

The following conditions must apply for all marketing material:
1. Material is not allowed on any adult site.
2. Material is not allowed on any occult activity site.
3. Material is not allowed on any international market site.
4. Material is not allowed on poorly designed or poor quality sites.
5. Applications can only be acquired by using approved banners, emails, pop-up windows and text links.  Distributorships or any other face to face/event marketing, etc., is not allowed as a means of acquiring applications and is not considered by Discover® Card as Internet marketing.  Abuse of this policy is considered deceptive marketing and grounds for immediate termination.
6. Do not imitate a Discover® copyright.
7. Text/bullets must be material that Discover® has provided. This has to be verbatim, and cannot be taken from the application or landing page.
8. "Cashback Bonus® award" must be shown as it appears on this line. This phrase may not be split and appear on two lines, and Cashback Bonus must be in italics.
9. Card images may NOT be modified in any way. You must use the images provided by Discover.
10. Do not create web pages that look like pages on Discovercard.com.  Do not copy any graphics or text from Discovercard.com.
11. Do not promote Discover® products on websites with Visa or MasterCard in the main URL.
12. Do not pull any text or graphics from the application to be used as a stand-alone creative.
13. Ensure that all links connect to the appropriate card application.  (i.e. A More Card link goes to a More Card application.)
14. Sites may not offer incentives on Discover Card applications.
15. All affiliates are required to routinely check compliance in conjunction with pricing changes. In the event of a pricing change, Discover requires that you compare the offer presented on your website with the offer updates submitted monthly by Discover via the CARDSYNERGY network newsletters to make sure all information matches.
16. Pricing/ Offers must include an asterisk calling the consumer's attention to a disclaimer such as:
* See the online credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the "Apply Now" button, you can review the credit card terms and conditions on the issuer's website. The asterisks must be listed with the pricing information in the grid, as well as before the disclaimer. The asterisk must also be in the proper places in the text that is listed with the offer so that they all tie together cohesively.
17. If choosing to list the penalty rate for a Discover product it must be listed in full form without shortening. I.E. (must list current rate info) Penalty:  Between up to 16.99% variable and up to 25.99% variable for purchases; up to 28.99% variable for cash advances* depending on your credit worthiness and other factors
18. APR pricing for Discover products. For the consumer and student offers the range APR needs to be displayed with the asterisk and Variable afterward. 
19. Discover requires that the word Variable be used after their APRs. (V) cannot be used.
20. Usage of Discover URLs is not allowed. This includes in organic listings and on the affiliates website.
21. Do not mention the receiving offers in the mail or the terms pre-approved, pre-qualify, pre-selected, or official.
22. Discover® product banners, card art, bulleted copy and text are not allowed on any "instant credit" sites, "instant approval sites, "instant decision" sites, "instant response" sites or these types of pages on any sites.
23. There are the approved regular bullets and some offers may have additional approved copy.  We want you to list everything in the Approved regular bullets.  If you have extra space, and if you want to add some of the additional bullets, you can choose from any or all of the bullets in the additional approved copy section.
 

URL Guidelines:

1. Do not use URLs that are misleading or confusing to consumers or in any way give the consumer the impression the site is owned and operated by Discover® Card.
2. No form of Discover® Card or Discover® Financial Services can be used in the root URL.  If the word "Discover" is used in a URL it may only appear behind a backslash after the root URL and must be approved prior to implementation.
Example: www.discover-platinum.com - Not acceptable
www.creditcardsRus.com/discover - acceptable

Use of Registrations Marks - All Discover® Cards

When making reference to the card products, the following should be used as a guide for proper implementation.  Please note the position of the registration mark,(®), in all cases:
 
Discover® More Card
Discover® More Card
Discover® Motiva  Card
Escape by Discover® Card
Miles by Discover® Card
Discover® Open Road Card
Discover® Student Card
Discover® Student Clear Card
Discover® Student Card- Monogram Collection
Discover® Student Tropical Beach Card
Discover® Student Mix Tape Card
Discover® Student Open Road Card

Search Policy:

Non-whitelist Media Providers:

A Non-whitelist Media Provider is a provider who has not been notified by Discover that it is a Whitelist Media Provider. 
All listing sites under a Non-whitelist Media Provider's network are not permitted to bid at any amount on Discover branded terms on all search engines (both site and mobile), including Google, Yahoo, and Bing. 
All listing sites under a Non-whitelist Media Provider's network must include all Discover branded terms as negative matched keywords in all paid search campaigns.
Specific guidelines for those exclusively chosen by Discover to be white-listed affiliates.

Whitelist Media Providers:

Whitelist Media Providers are those providers who have been notified that they are a Whitelist Media Provider by DPI in an agreement between DPI and such Media Provider.
White list sites are not permitted to bid at any amount on Discover branded terms on Yahoo or Bing (both site and mobile) and must include all Discover branded terms as negative matched keywords in all paid search campaigns on these search engines.  In addition, except for those listing sites designated by Discover in an agreement as being "Whitelist Eligible", all listing sites under a Whitelist Media Provider's network are not allowed to bid at any amount on Discover branded terms on Google (both site and mobile) and must include all Discover branded terms as negative matched keywords in all paid search campaigns on this search engine. Whitelist Eligible listing sites may bid on branded keywords in Google (non-Mobile) provided that the maximum bid may not exceed $0.25. 
Whitelist Media Providers must comply with the following guidelines:
All listing sites under a Whitelist Media Provider's network must add Discover branded keywords as negative matched keywords in all campaigns and ad groups (except as noted above). Broad or phrase matches into search queries that include Discover branded terms is prohibited.
The phrase "Official Site" and the trademark Discover® may not be used in any paid search ad copy headline or descriptions.
All listing sites under a Whitelist Media Provider's network are not allowed to bid at any amount on the terms discover.com, discovercard.com, mydiscovercard.com, apply.discover.com or any iteration of theses words, and must be negative matched against all campaigns.
All listing sites under a Media Provider's network may not use branded terms in the title of paid search ad copy.
All listing sites under any Media Provider's network may not use a Discover domain and/or URL (discover.com; discovercard.com) as the display domain or click-through URL within a paid search ad.
Click-through links must direct users to a Discover-focused landing page within Discover's website that only links to Discover's application.
Discover will be actively monitoring the search engines to identify any out of compliance affiliates. If an affiliate is found to be violating the search policy, the following actions will be taken:
1st violation: Written warning from Discover
2nd violation: Non-payment for accounts generated in the month of violation
3rd violation: Removal from DFS affiliate program
Please note:
After the first violation, corrections need to be made within 48 hours.
Following the third violation, removal from the program is immediate and permanent.

Discover Branded Terms:

apply.discover.com
Apply for Discover Card
    Apply.discovercard.com
Cardbuilder
Cashback Bonus
Discover
Discover 2GO
Discover Application
Discover Brokerage
Discover Business Card
Discover Business Miles Card
Discover Card
Discover Card Application
Discover Credit Card
Discover Financial
Discover Gas
Discover Gas Card
Discover Miles
Discover Miles Card
Discover More Card
Discover Motiva Card
Discover Network
Discover Open Road Card
Discover Platinum
Discover Platinum Card
Discover Products
Discover Student
Discover Student Card
Discover zip
Discover.com
Discovercard
Discovercard.com
Escape by Discover
Escape Card
Escapecard
Identity theft protection 
It Pays More to Discover
It Pays More to Discover Platinum
It Really Does Pay to Discover
Miles by Discover
More Card
morecard
Motiva
Novus
Open Road
Openroad
Peggy
Shopdiscover
There's Always Something More to Discover
Tribute Award

Misspellings include but are not limited to:

dicover 
discov 
discove 
discoer  
disocver 
disover 
dicovercard 
   dsicover 
   discovr
   dscover 
   iscover
   descover
   discoer
   discober 
   discoveer 

Experian -

When promoting Experian products: Affiliates must not: (a) mislead, use scare tactics or play upon the fears of the consumer; (b) imply that there will be inaccuracies on a consumer's credit history and that they are beyond the consumer's control; (c) demean the credit bureaus; (d) offer to help the consumer restore a credit report including, without limitation, using terms similar to: (i) clear, fix, or improve your credit, (ii) clean up your credit, (iii) repair your credit, and (iv) guidance on how to correct your credit report; (e) provide information regarding consumer disputes or inaccuracies; or (f) refer to the consumer's report as a disclosure.

Affiliates a) are not allowed to register any domain names or bid on search engines any words, phrases or keywords that are used by or are trademarks of Experian, any of its affiliated companies, competitors or any other company; and/or b) use any such domain names as a display URL in any search engine listing or in any keyword bidding. Experian and its affiliated companies' trademarks and domain names include the following (including, without limitation, any misspellings or variations thereof, or any similar terms: CardSafe, Child Secure, ConsumerInfo, ConsumerInfo.com, CreditCheck, CreditCheck Total, ECD, Experian, Experian Consumer Direct, Experian Interactive, Family Secure, FreeCreditReport.com, Get the score, Know Your Score, ProtectMyID.com, Triple Advantage, Triple Alert, www.consumerinfo.com, www.creditchecktotal.com, www.experian.com, www.experiandirect.com, www.experian.experiandirect.com, www.experianinteractive.com, www.familysecure.com, www.freecreditreport.com, www.protectmyid.com, www.qspace.com, www.qspace.iplace.com, www.triplealert.com

Affiliates a) cannot include any of the following terms (including, without limitation, any misspellings or variations thereof, or any similar terms) in its search terms and domain names; and b) will add such terms to its search account or system as a "negative" match option if it participates in keyword buys, including with "broad" or "phrase"  keyword match option turned on: Absolutely free, Annual, Annual credit report, Annual report, Annualcreditreport, Annualcreditreport.com, Bad credit advisor, Credit counseling, Credit counselors, Credit dispute, Credit dispute repair, Credit help, Credit improvement, Credit monitoring services, FTC, Federal law, Fico, Fico score, Fix, Fix credit, Free annual credit report, Bad credit help, Boost credit, Build credit, Clean up, Clean-up, Cleanup, Clean credit, Consumer credit repair, Correct, Corrected, Correcting, Correction, Credit Counsel, Credit repair, Credit report repair, Debt repair, Disclosure, Dispute, Disputed, Disputing, FACTA, FACT Act, Fair and Accurate Credit Trasitions Act, Federal Credit Reporting Act, FCRA, Federal Trade Commission, Improve, Improvement, Improving, Increase, Increasing, Lifelock, Lifelock.com, Raise, Raising, Repair, Repair credit, Repair services, Restoration.

HSBC -

Affiliates shall not bid or buy any HSBC credit card brand names from search engines. This includes all trademark brands owned by or licensed to HSBC, including but not limited to Householdbank.com, Orchardbank.com, Householdcard.com as well as misspellings and derivatives of any HSBC brand name. Affiliates also shall not use or otherwise incorporate the words Household, GM, HSBC, Household Bank, Orchard, Orchard Bank, or variations thereof in the domain names of any website. Sites must have a privacy policy and be based in the U.S. in order to run HSBC offers.  Orchard offers can be promoted in ‘bankruptcy' categories but not ‘no credit check' categories. Orchard offers are allowed to be in instant approval categories. When doing so, the approved text must be used for their offers. Also, the term "get approved instantly" cannot be used by "get pre-qualified in 30 seconds" can.

- If late fees are listed (With the CARD Act, all credit card issuers have to display this information in this new format.): Up to $35
 
- If over the credit limit fees are listed, the following text must be used (With the CARD Act, all credit card issuers have to display this information in this new format. Also, the Overlimit Fee must now be stated as ‘Over the Credit Limit Fee' for all issuers.): Up to $25

- If you currently list ‘Default' APR information, you must change the word ‘Default' to ‘Penalty' to comply with the CARD Act and list current rate.

- The following disclosures are required for all Orchard Bank offers: It is our goal to offer you the credit card that best fits your credit profile based on your consumer credit report and other information you provide us. You may be offered a secured card or an unsecured card which will be disclosed before your application is processed.

IBERIABANK -

IBERIABANK text must be verbatim. The issuer lists their bullet points in an order of the features they feel are most desirable. In some cases affiliates do not have space for all the bullets in which they ask that you take any bullets away they don't have room for from the bottom up. When listing their APR ranges they must be listed in full i.e. 7.25%, 10.25%, or 13.25%, their APRs may not be listed "as low as" or as 7.25% - 13.25%.

Mango^TM MasterCard® Prepaid Card -

Publishers may not bid on trademarked terms including the following or any variation of the such:

Mango MasterCard Prepaid Card
Mango Prepaid Card
Mango MasterCard
Mango MasterCard Card
Mango Card
Mango Prepaid
Mango Financial
M Power Labs
M Power Financial

Must list text as it is from the issuer.

MBNA Canada-

• Use of the term "MBNA Canada Bank" or any derivative thereof as a display URL for search engine bidding purposes is prohibited.

• Affiliates are permitted to bid on branded keywords so long as it is relevant to the credit card product and the product name is not a stand-alone keyword. For example, "WorldPoints MasterCard" or "WorldPoints Credit Card" is permitted; "WorldPoints" as a stand-alone term is not permitted

• Affiliates are permitted to include the term "MBNA" in their bids so long as it is relevant to the credit card product and the product name is not a stand-alone keyword. For example, "MBNA Credit Card" is permitted; "MBNA" as a standalone term is not permitted.

• Only copy documents that have been approved in advance by MBNA Canada Bank may be used to market the MBNA credit cards. All other copy is prohibited.

• Credit cards may not be marketed on incentive sites unless publisher receives prior written approval from MBNA.

• Framing the MBNA website, contextual marketing (Content, pop-up or pop-under), e-mail, newsletters, and marketing in chat rooms or on message boards is strictly prohibited.

• MBNA credit card products shall not be marketed in "bad credit" or "poor credit" sections of your website.

• MBNA credit card products will not be published on websites containing references to Alcohol, Tobacco, gaming, gambling, profanity or any social network websites.

MBNA UK -

PPC Terms

    * Please do not bid for MBNA brand or any misspellings across all search engines
    * Please negative match against the term MBNA to avoid inadvertently broad matching.
    * Please do not use the MBNA brand within your domain name or display url eg: www.mbnaaffiliatesite.co.uk. However you may use the brand within subdomains for example www.affiliate.com/mbna or www.mbna.affiliatesite.co.uk
    * Please do not use the MBNA brand in your ad copy.

Linking Terms

    * Please do not direct link to MBNA pages. The customer must redirect to an affiliate landing page before arriving to the MBNA site.
    * Affiliates must not attempt to force clicks. Customers must be aware that they are clicking on a link which will direct them to the MBNA site.
    * Please direct customers to the program default destination url only.

PerkStreet -

Cannot be marketed in bad credit or no credit categories.

Branding Specific Guidelines

PerkStreet -

PerkStreet must always appear as one word with both the "P" and "S" capitalized.

The first mention of PerkStreet must be followed by a superscript "SM" subsequent mentions do not require any mark.
   Correct: PerkStreetSM

PerkStreet Financial -

Refer to PerkStreet Financial as a financial services company, not a bank.  The first mention of PerkStreet Financial must be followed by a superscript "SM", subsequent mentions do not require any mark.
Correct: PerkStreet FinancialSM
Incorrect: PerkStreetSM Financial, PerkStreetSM FinancialSM

MasterCard -

The first mention of MasterCard must be followed by a superscript ® mark. In every mention of MasterCard, the "M" & "C" must be capitalized.  

PerkStreet's products -

When referring to the products offered by PerkStreet, you can refer to it as an online checking account with rewards, a rewards checking account, a cash back debit card or the PerkStreet FinancialSM Debit MasterCard®.  When referring to the PerkStreet Financial Debit MasterCard, the entire phrase must be used with "MasterCard", "Debit" and "Card" all capitalized. The first mention must have the appropriate registration marks, subsequent mentions don't need them.  
Correct: (First mention on a page) The PerkStreet FinancialSM Debit MasterCard® offers customers the opportunity to earn significantly more rewards than traditional debit cards.
.
When mentioning the PerkStreet Financial Debit MasterCard, you must include somewhere in the page the following language "The PerkStreet FinancialSM Debit MasterCard® is issued by The Bancorp Bank pursuant to license from MasterCard International Incorporated." This only needs to be done one time.

If the MasterCard Debit Card is referred to generically, as in "one of the features of the account includes receiving a MasterCard Debit Card", the words "MasterCard", "Debit" and "Card" must all still be capitalized, and if this is the first mention of MasterCard it must be followed by a superscript ® mark.

FDIC insurance & PerkStreet's Relationship With the Bancorp Bank

PerkStreet Financial checking accounts are fully FDIC insured, up to $250,000.

PerkStreet Financial has partnered with The Bancorp Bank, member FDIC, to provide several of its banking services, including FDIC insurance.  If FDIC insurance is mentioned, it is required to include "The Bancorp Bank, member FDIC" or "Banking services provided by The Bancorp Bank, member FDIC" somewhere in the page.

It is not acceptable to state that PerkStreet Financial's checking account is "provided by" the Bancorp Bank. It is also not accurate to state that PerkStreet Financial is "owned by" the Bancorp Bank or that checking account is a "product from" the Bancorp Bank.

Perks Guidelines

Perks -

PerkStreet's rewards are referred to as perks.  You can refer to the program as a rewards program or a perks program, whichever you prefer is fine.  When referring to perks, the "p" in "perks" should be lowercase, unless it is being used in a headline where all nouns are capitalized.
 

Earning Perks -

You earn perks by making non-PIN purchases with the PerkStreet Financial Debit MasterCard.  This is standard for debit cards rewards programs.  Effectively whenever a cardholder makes a purchase with their debit card without entering their PIN they will earn perks on that purchase.  The following is a list of non-PIN transactions:
Any purchase that you sign for
Any purchase where you swipe your debit card and do not enter your PIN
Purchases made on the internet
Phone and mail order purchases
 

Perks Program Comparison -

PerkStreet's perks program can allow the average American family to earn over $600 a year in cash back. If this marketing claim is made you can substantiate it with the following claim:
"Making $601 in weekly non-PIN purchases will earn you $625 in perks annually (when you maintain a balance of $5,000).  According to the U.S. Bureau of Labor Statistics, the average American household spends $601 per week on purchases that could be put on a debit card, including stuff like utility bills or rent."  

PREMIER -

Requirements :

First PREMIER® Bank strictly enforces their 500 application monthly minimum.  You must generate an average of 500 applications per month, per site in order to remain in their program.

Targeting:

Target the advertisement by describing our product as one that is offered to those with less than perfect credit.

Bank Name:

The PREMIER® Bank name must always be displayed properly. PREMIER must always be in all caps no matter where you have this listed on your site with a registered trademark behind it. The full proper bank name is: First PREMIER® Bank.

Listing of Pricing:

It is not acceptable to specify the pricing of the product, i.e. Annual Fee, Monthly Participation Fee, Account Set Up Fee, Program Fee, and Annual Percentage Rate (APR) in the bulleted or paragraph sections of your site. In the grid section of your site, list as: See Terms.

Text/Narrative:

Many partners provide narrative at the top or bottom of a category page, which conveys information about that particular category.  This narrative should be sent to us to send to PREMIER for approval.  In other instances, partners provide narrative specifically about PREMIER and/or PREMIER products (outside of the approved bullets shown in the program standards); this narrative must be removed from your website until it has been approved by PREMIER. This is including any articles that the affiliate may write about PREMIER and PREMIER products.

Product Pages:

First PREMIER® Bank must approve the placement of creative and text links. They do not allow marketing on any of the following types of sites: Illegal gambling sites, Adult sites, Occult activity sites, International market sites (or any site using foreign languages), Poorly designed or Poor quality sites, Sites directed to people under 18 (21 after February 2010), Good or Excellent Credit pages, Student pages, Instant approval, etc.

FICO or Credit Score Listings:

If you market PREMIER credit card products in conjunction with a credit or FICO score please use the following disclaimer:

"FICO scores/credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for.  However, credit score alone does not guarantee or imply approval for any First PREMIER® Bank product."

First PREMIER® Bank Page:

If you would like to include text on the First PREMIER® Bank page of your website that is informational in nature and not directly related to PREMIER®, you must add the following disclaimer:

"The following information is brought to you by (website name). First PREMIER® Bank is not affiliated with (website name) and does not endorse, nor guarantee, nor is responsible for this information."

Instant Decision/ Instant Response/ Instant Approval: Currently at this time no PREMIER offers may promoted in Instant Decision/ Instant Response/ and or Instant Approval categories. If you have PREMIER placed in this way it needs to be removed immediately. The only mentions of this allowed can be the approved text, if there is any.

MasterCard/Visa References: The ® needs to be placed after MasterCard or Visa in the first and most prominent location on each page.

When using the word MasterCard in a bulleted context, must use the word "card" after MasterCard. For example, "Use wherever MasterCard card/Visa cards are accepted." Also, must use "(subject to available credit)" after this statement.

Implication and usage of terms:

PREMIER offers cannot imply or reference that their credit card may help improve or increase the applicant's "credit score", "credit rating", and "FICO score". Therefore these terms, and other terms such as those must not be used in conjunction with First PREMIER® Bank offers, or on the webpage that First PREMIER® Bank offers reside. The term "credit history" can be used in conjunction with the word "may"; however, it must be clear that the consumer has to make their payments on time and keep their balances below the credit limit with all their creditors. For example, it is acceptable to state "Making all payments to all creditors on time and keeping your balances below the credit limit may help to improve your credit history."

Unsecured Pages or Mentions of Unsecured on pages:

If you currently use "unsecured" on pages the include PREMIER products, or if you include First PREMIER® Bank products on "unsecured" web pages, you must take one of the following actions: (currently offers are not allowed in unsecured categories)

a. If the word "unsecured is used in verbiage above or below the product offerings, you must add disclaimer.
b. If First PREMIER® Bank products are located on an "unsecured" web page, or on a page with unsecured verbiage you must add a bullet with each PREMIER offer on that page.
c. Remove references to "unsecured" within any text that is above or below any product offerings.
d. Remove First PREMIER® Bank products from "unsecured" pages.

*Disclaimer (must be verbatim): Some of the offers on the page are "fee-based".
*Bullet (must be verbatim): "This is an unsecured, fee-based product."

Asterisks/Footnotes:

In the legal and regulatory environment, an asterisk is an accepted footnote symbol. It has been noted that there are instances where an asterisk is being used as a call-out, but there is nothing on the webpage that the asterisk leads to. If you do not want to add a disclosure or a footnote at the bottom of your webpage to tie in with the asterisks such as: "*See terms and conditions for further information about the product you are applying for", then you will need to remove the asterisks from First PREMIER® Bank offerings.

Other Products:

PREMIER cannot be associated with things such as debt consolidation programs, payday loans, credit reporting products etc. If these such programs or offers are listed on your site make sure they are not listed in close proximity to PREMIER products.

Advertising:

First PREMIER® Bank, text and advertisements can not contain any of the following, or derivatives of, in their secured or unsecured creative:
Fixed
No Hidden Fees
No Security Deposit
Build/Rebuild/Re-establish
Unsecured
No Credit History Needed
Bad Credit OK
Get you credit back on track
Free
Guaranteed
Credit limit up to...
Limited Time Offer
An open attitude about credit criteria
Do not imply "Buying power"
Subprime
Instant Approval
Instant Decision
Credit you "deserve"

Bidding:

If you are bidding on terms associated with building, re-building or re-establishing credit; First PREMIER® Bank's name, or product must not be mentioned in the site description on the search engine's results page. The following search terms/query words/phrases are restricted:

First PREMIER
First PREMIER credit card
First PREMIER bank card
First PREMIER bank credit card
PREMIER bankcard
PREMIER bank
PREMIER bank card
PREMIER credit card
PREMIER bank credit card
Centennial
Centennial Credit Card
Centennial Bank Card
Aventium
Avenitum Credit Card
Aventium Bank Card
PREMIER Legend
PREMIER Banner
Pledge
PREMIER Pledge
PREMIER Possibilities
PREMIER Forward
Soar
PREMIER Soar
Insight
PREMIER Insight
Centennial Gold
Centennial Platinum
First PREMIER Bank Titanium
PREMIER Titanium
PREMIER Black Platinum
First PREMIER Bank Black Platinum
First PREMIER Bank Classic
PREMIER Classic

Public Savings Bank-

The following terms cannot be used:
"Build good credit" or any promise that this card will improve credit or credit scores
No income or employment requirements
Any term relating to "Black Card"
"Guaranteed" or "Instant" Approval
Affiliates must get written approval before using any marketing materials which deviate from the approved text.
Public Savings Bank in no way participates in mass, unsolicited e-mailing. (i.e. spamming)

READYdebit -

READYdebit prohibits exact and variation keyword bidding on the following keywords: READYdebit, Ready Debit, Ready debit card, ready debit prepaid card, ready debit visa card, readydebit, readydebit card, ready financial, or ready financial group. Text must be listed as it has come from the issuer.

Simmons First -

Simmons is asking that affiliates promote their products for "excellent credit" required, this must be the first bullet listed in the text. These offers cannot be listed under any other credit type category. Simmons bank cannot be promoted as instant approval. The 1st bullet regarding credit type required is a required bullet.

Visa® Black Card -

The annual fee for the Visa® Black Card must be prominently displayed even if they don't have a grid.

Black Card Search Policy

Publishers are encouraged to bid on terms related to our product using paid search marketing. Please note the following policies are strictly enforced. Any violation of this policy will cause for immediate dismissal from this program and no compensation will be given.

Search Guidelines:

Bidding on trademarked words/terms is not allowed, including: black card, blackcard, blackcard.com and visa black card.
Publishers may only use www.blackcard.com as the display URL.
Altering keyword and text link descriptions is not permitted.
Publishers may use Black Card in the headline of text ads.
Building custom landing pages is not permitted. It is also not permitted to purchase URL's for use as a gateway or jump pages on behalf of Black Card.