Cash Back Deals Program Terms

• • You must read and accept these terms to use the Cash Back Deals service.
  • These terms are a legally binding contract between you and us (Royal Bank of Canada) for the use of the Cash Back Deals service (Cash Back Deals).
  • To use Cash Back Deals, you must read and agree to these terms by checking the on-screen box. By checking the box, you also confirm you are the age of majority in the place where you live. These terms apply to you on the date you check the box.
  • You can download or print a copy of these terms using the download button, please keep a copy for your records. You can also view the current version at any time by accessing Cash Back Deals within the RBC Launch app.
  • These terms do not change any other agreement between us or that you may have with one of our subsidiaries or affiliates.
  • Additional terms, conditions, instructions or disclaimers that appear on your screen when using Cash Back Deals form part of these terms, and you accept them by continuing to use Cash Back Deals.
• • Services
  • By “services” we mean all the features, functions, content and information that we provide through Cash Back Deals, including the Cash Back Deals Safari browser extension. The services may change over time. We may give you notice of changes as described in the “Changes” section. We currently provide the services in English only.
  • There may be times when at least some of the services are not available.
  • The services currently provided are described in more detail below:

  • (I) CASH BACK DEALS

    • Participating in Cash Back Deals
      • To participate in Cash Back Deals you must have the latest version of the RBC Launch app downloaded to an eligible device, which is any device with a minimum operating system of iOS 15.
      • To participate in Cash Back Deals you must also have an RBC Royal Bank Canadian dollar personal deposit account.
      • To receive notification of available offers you must enable the Cash Back Deals Safari browser extension on your device.
      • The extension will enable us to present an offer to you from a participating merchant when you are browsing the participating merchant’s site using your device.
        • Note: the offer is only available at the time it is presented to you and may not be available the next time you browse the participating merchant’s site.
      • The extension will also provide an ability to search for participating merchants.
        • Note: an offer a participating merchant is only available at the time it is presented to you and may not be available the next time you search for the participating merchant.
    • Earning Cash Back
      • To earn the cash back identified in the offer you must: (1) activate the offer prior to completing an eligible transaction (eligibility requirements will be disclosed in the offer terms); and (2) complete the eligible transaction using the Safari browser on your device during the same session you activated the offer.
        
        • Note: if you have opted in for another offer through the same merchant or through an alternative offers program, it is possible that you do not receive the cash back through us. However, in such case, you should receive the applicable offer from the merchant or alternative offers program if you are eligible.
      • The offer is funded by the participating merchant and the merchant is responsible for all terms applicable to the offer, including any exclusions, restrictions, limitations or requirements, which are set out in the offer terms.
      • Cash back is earned on the pre-tax amount of the personal purchase.
      • Cash back is earned on the Canadian dollar equivalent (calculated same day) of qualifying purchases made in a currency other than Canadian dollars.
        
        • Note: in limited circumstances, where the currency is converted to USD prior to CAD, the cash back earned may be subject to a foreign exchange fee in which case the cash back displayed within the app will include the applicable foreign exchange fee.
      • Any returns and adjustments will reduce or cancel the cash back earned by the amounts originally charged.
    • Holding Period
      • Earned cash back will be subject to a holding period determined solely by the merchant.
      • The applicable holding period is based on the participating merchant’s return policy and when the merchant funds the cash back.
        
        • Note: in some industries, for example travel and accommodations, the holding period may apply until the trip or stay has concluded and the merchant funds the cash back.
      • Cash back that is subject to the holding period is referred to as “pending” and will remain “pending” until the applicable return period has ended and the merchant has funded the offer.
    • Receiving Cash Back
      • After the applicable holding period, the earned cash back is referred to as “confirmed” and is ready to be deposited.
      • To receive the “confirmed” cash back you must have an RBC Royal Bank Canadian dollar personal deposit account for us to deposit the cash back and you must maintain the account in good standing until the cash back is deposited.
        
        • Note: if you close or otherwise lose access to your RBC Royal Bank account we will not be able to deposit the cash back.
      • We will automatically deposit any “confirmed” cash back into your RBC Royal Bank Canadian dollar personal deposit account on a monthly basis.
        
        • Note: you can expect to receive the “confirmed” cash back in your account by 10^th business day of the month.
    • Disputing Cash Back
      • If the amount of pending or confirmed cash back is incorrect or if you completed an eligible transaction after activating an offer and the applicable cash back did not appear in your account, you have 45 days from the end of the applicable holding period to dispute the amount of cash back earned, after which you may no longer dispute the amount of cash back earned.
      • You can contact us at 1-800-769-2536 for any such dispute. Please be prepared to provide the necessary details to resolve the dispute including but not limited to: proof of purchase that includes the merchant name, order ID or transaction ID, date, items purchased, total sale amount and purchaser name; as well as any cash back received (if applicable) and other offers or promotions utilized.
      • The maximum amount payable under a disputed claim is $10 CAD and we will make a maximum of three (3) payouts per person per year for disputed claims.
      • We will make the final decision on cash back earned, in our discretion, and such decision will be final. If you disagree with our decision, your sole remedy is to de-activate your profile and terminate your use of Cash Back Deals.

(II) COUPONS

The coupon functionality notifies you if there are coupons available from a participating merchant when you are browsing that merchant’s website using the Safari browser on your mobile device.

To determine whether the coupons are applicable to the item(s) you are purchasing you will need to select “check coupons”. Then we check if any of the coupons apply to the specific item(s) you are purchasing. If so, we test all applicable coupons to determine which coupon will provide the greatest benefit and apply that coupon. If a coupon applies, you will receive the benefit of the coupon at the time of checkout.

The coupon functionality is only available through the Cash Back Deals Safari browser extension.

(III) ALTERNATE MERCHANT ALERTS

If you are browsing a merchant’s website using the Safari browser on your mobile device and there are no offers available from that merchant, the alternate merchant alerts functionality will notify you if there are offers available from a participating merchant with similar products and/or services.

The alternate merchant alerts functionality is only available through the Cash Back Deals Safari browser extension.

• • Fees
  • There are no fees for using Cash Back Deals, but we may charge fees in the future. We will give you prior notice of any fees, in accordance with the “Changes” section.
• • Privacy
  • Collecting information about you
  • We will collect information about you, such as:
  1. Personal information like your name, email address and phone number.
  2. Information for providing the services.
  3. Information about transactions that you make as part of Cash Back Deals.
  • We can collect this information from you, from sources that you give us, or from any other sources.
  • Using information about you
  • We can use the information that we collect about you for the following purposes:
    1. to create your profile and provide you with the services;
    2. to help us better understand the needs of our users;
    3. to help us better manage and improve our business, our technology and your relationship with us; and
    4. as required or permitted by law.
  • Sharing information about you
  • We can share the information about you, for these purposes, with our service providers. These service providers must keep the information confidential. If a service provider is located outside Canada, the laws of that jurisdiction will apply to the service provider and to the information, and the information may be disclosed according to those laws.
  • We can also share information about you with our subsidiaries and affiliates for the following purposes:
    1. to manage our risks and operations and those of our subsidiaries and affiliates; and
    2. to comply with valid requests for information about you from regulators or other entities who have a right to issue such requests
  • Your right to access information about you
  • You can obtain any personal information that we have about you at any time (subject to applicable laws) and have it amended as appropriate. You can do so by contacting us as set out in the Communications and Notices section.
  • You may obtain more information about our enterprise privacy policies by visiting www.rbc.com/privacysecurity.
  • Using non-personal information
  • We may create informational reports containing statistics, rules and data insights, as well as analysis and predictive models, based on information about you and other customers. The reports contain aggregated and de-identified information, not personal information, and cannot be used to identify you. These reports may be shared with third parties.
• • Communications and Notices
  • You can contact us at 1-800-769-2536.
  • We will contact you and provide notices using the contact information that you provide to us. Our primary form of communication is email so please make sure it is correct and up-to-date at all times.
  • If you have consented, we may send you promotional materials by email unless you change your communication preferences by unsubscribing. Changes to your communication preferences for promotional content will not change how we communicate with you for operational and non-promotional content.
• • Push Notifications
  • If you have enabled push notifications on your device, we can send push notifications. These notifications are only for convenience and information purposes, unless you have consented to receive promotional push notifications within the RBC Launch app. You can enable or disable push notifications on your device settings or you can change your promotional push notification preferences within the RBC Launch app (if applicable).
• • Termination
  • Without giving you notice, and for any reason, we can suspend or terminate your access to Cash Back Deals and terminate these terms.
  • We are not responsible for any loss or inconvenience that you may experience as a result of us suspending or terminating your access to Cash Back Deals.
  • To delete your profile and terminate these terms and your access to Cash Back Deals, you can contact us using the contact information provided in the Communication & Notices section.
    The provisions under the Ownership and Liabilities & Indemnities sections will survive any termination of these terms.
• • Changes
  • Unless relevant laws or regulations say otherwise, we can change any part of the services without giving you notice and change anything in these terms by giving you notice of the change either before or after the change. When giving you notice, we will send you a link to the updated version of these terms. If you use Cash Back Deals after we give you notice of the change, you are deemed to have reviewed and accepted the updated terms.
• • Instructions
  • If you provide sign-in credentials to use Cash Back Deals, then we can accept any instructions that you give using your sign-in credentials, and you are responsible for those instructions. Your instructions will have the same legal effect as if they were written instructions and signed by you.
• • Security
  • To get access to Cash Back Deals you first need to sign-in through the RBC Launch app. You are responsible for keeping your sign-in credentials for the RBC Launch app secure and confidential. We will not be responsible for any losses that you may experience if others use your sign-in credentials or if you lose them.
  • When using Cash Back Deals, it is important that you:
  • 1. Do not reveal any confidential information to anyone other than us and do not allow other people to see your device screen when viewing confidential information.
    2. Do not leave your device unattended while using Cash Back Deals.
    3. Take reasonable precautions to prevent losing your device or having it stolen.
    4. Do not let other people use their fingerprints or other biometric tools to access your device.
    5. Use reasonable security measures to keep your device safe, such as up-to-date virus scanning software and firewall systems, if those measures are available for your device.
  • We may impose additional security requirements in connection with the services, and you must comply with those as well.
• • Service Providers & Third Party Services
  • We may use other parties to help us provide the services.
  • These service providers retain all ownership rights, including all intellectual property rights, in their services and to their trademarks and logos that may appear when providing the services. These terms do not confer any right for you: (i) to use their services in any way other than as expressly permitted in Cash Back Deals, or (ii) to use any of their trademarks or logos.
  • We may offer you access to services provided by third parties that are not affiliated with us or refer you to a third party for other services. We may receive referral fees from third parties when we refer you to them and / or you elect to purchase or obtain a product or service from them. These referral fees will not affect any fees that you may have to pay to us or to the third party.
  • Your use of any third party services is at your own risk, and could be subject to additional terms and conditions imposed by the third party.
  • We are not responsible for any representations or warranties (express or implied) related to any third party services, including any warranties relating to accuracy, completeness, merchantability or fitness for a particular purpose.
• • Use
  • Your use of Cash Back Deals is voluntary and solely for your own personal use.
  • When you use Cash Back Deals you must comply with these terms and with all applicable laws and you cannot do the following things:
  • 1. Provide information that is untrue, inaccurate or incomplete;
    2. Use Cash Back Deals for any activities that are illegal, fraudulent, harassing or defamatory;
    3. Use any robot, spider, or any other indexing device;
    4. Sell or otherwise distribute the services or allow someone else to sell or distribute the services;
    5. Do anything that could undermine the security, integrity, effectivity or goodwill of the app or the services; or
    6. Reverse-engineer or reverse-compile the source code for the app or any of the service technology.
• • Ownership
  • We grant you a non-exclusive license to use Cash Back Deals in accordance with these terms. You cannot transfer this license or assign it to anyone else.
  • We or our licensors own Cash Back Deals at all times, including:
  • 1. The copyright in Cash Back Deals; and
    2. All intellectual property rights subsisting on each screen made available through Cash Back Deals.
  • For greater certainty, unless otherwise indicated, trademarks and logos, and all works, including texts, images, illustrations, software, HTML codes, audio clips and videos appearing within Cash Back Deals are our property, or that of our licensors, and without our express written permission, may not be reproduced, republished, downloaded, posted, transmitted, distributed or modified, in whole or in part, in any form whatsoever, except for personal and non-commercial use, including viewing, printing or archiving of electronic copies of your activities, in accordance with these terms and as we may further instruct you.
  • Nothing in these terms or within Cash Back Deals is to be interpreted as conferring a right to use our works, trademarks or logos in any other way.
• • Liabilities and indemnities
  • We provide Cash Back Deals on an “as is” and “as available basis” and we don’t make any representations or warranties about Cash Back Deals. More specifically, we don’t make any warranties (express or implied) about merchantability, fitness for a particular purpose, non-infringement or about anything else with respect to Cash Back Deals.
  • You are responsible for all the information or content that you give us.
  • Neither we nor any of our subsidiaries or affiliates are responsible for any loss, harm, delay or inconvenience that you may suffer with respect to:
    1. these terms;
    2. your use of Cash Back Deals; or
    3. any products or services that you buy from us or from a third party that to whom we’ve referred you.
  • Neither we nor any of our subsidiaries or affiliates will be responsible or liable for any of these things even if we have been advised of their possibility, or even if we have been negligent.
  • You release and indemnify us (including our subsidiaries and affiliates) for any claim, cost and liability incurred (i) as a result of your use of Cash Back Deals or (ii) as a result of your breach of these terms.
• • Records, Enforceability & Assignment
  • The records (electronic or otherwise) that we keep with respect to Cash Back Deals are final and conclusive. They will be admissible in any legal or administrative proceedings. Electronic records will be admissible in the same manner as original paper documents. You waive any right to object to the introduction of any such electronic records into evidence.
  • You agree to these terms in electronic form and these terms are binding between you and us. You will not contest that these terms are not valid or enforceable because you accepted these terms electronically.
  • If any provision of these terms is found to be invalid or unenforceable, the other provisions will remain valid and enforceable. If we fail to enforce the performance of any provision it does not mean that we have waived the provision or any right.
  • We can assign or transfer these terms, including the rights and obligations under these terms, to another person on notice to you.
  • You cannot assign or transfer these terms, or any of the rights or obligations set out in these terms, to any other person.
• • Language
  • You and we have expressly requested that these terms and all related documents, including notices, be drawn up in the English language. Vous et nous avons expressément demandé que cette entente et tout document y afférent, y compris tout avis, soient rédigés en langue anglaise. (Quebec only / Québec seulement).
• • Governing law
  • These terms are governed by the laws of Ontario and the laws of Canada applicable in Ontario. Ontario courts have exclusive jurisdiction over each of us for the determination of any matters arising out of these terms.