Terms of Use

Terms of Use

By accessing this website or content, you agree to the following Terms of Use. Discover Financial Services and its affiliates, including Discover Bank (“DFS”), reserve the right to change these Terms of Use at any time, and your continued use of this website constitutes agreement to all such changes. As terms are subject to change you should visit this page on occasion to review these Terms and Conditions.

Additionally, you may also choose to use our automated chat functionality to answer questions you may have about our services. Please note that this is an automated program and that a real person may not be responding to your messages. By using this feature, you agree that we may share the contents of these messages with the third party service provider that allows us to offer this service.

Uses of this Website

Access to and use of this website is subject to these Terms of Use and all applicable laws and regulations.

Please note that by logging in to the Account Center or by otherwise accessing your Account, you signify that you have read and agree to the terms of our Online Privacy Statement. We may collect and process information regarding your use of this website and the Account Center in accordance with these Terms and Conditions and the Online Privacy Statement. Please note that this may include the implementation of session replay technologies.

Accounts, Security, and Passwords

Certain features or content offered on the website may require you to open an account or may otherwise ask you to provide information. If you elect not to provide such information, you may not be able to access certain content or features.


You agree to notify DFS immediately of any unauthorized use of a DFS account. You are responsible for maintaining the confidentiality of any of your usernames or passwords associated with DFS’s websites and content. You may be held liable for losses or damages incurred by DFS or any other user of or visitor to the website due to someone else using your username, ID, password, or other information which provides access to the website. DFS is not liable for any loss or damage that you may incur as a result of your failure to comply with these requirements. You will be responsible for transactions made by authorized users, secondary accountholders and others you have given permission to use or access your account, and for transactions that you benefit from.

In addition to the Data Sharing Agreement below, in order to facilitate online transactions initiated by you, you agree that DFS may transmit, share, display, and use your DFS account information which may include card data, email address, phone number, billing address, and card design with wallet providers including Discover Click to Pay, online merchants, or other third parties (“Permitted Party”). You may initiate these online transactions by provisioning your DFS account directly with the Permitted Party or by providing the email address or telephone number associated with your DFS account to be verified by the Permitted Party as belonging to you. If your DFS account information changes you authorize us to provide updated information to any such Permitted Party at our discretion. If you wish to stop the sharing you must de-link or remove your DFS account information on the Permitted Party’s website or contact the Permitted Party directly.

You agree that DFS may collect and use technical and usage data and related information, including but not limited to, technical information about your device, date and time of website access, system and website software, and peripherals, that is gathered periodically to facilitate the provision of product support and other services to you (if any) related to the website. Additionally, you authorize DFS to implement session replay technologies, that allow us to better understand how you navigate our website, how you engage with our content, and the portions of our websites on which you click. You grant DFS the permission to use this information to improve its products, advertisements and sites or to provide services or technologies to you, as well as to provide advertising content in which DFS believes you may be interested, including working with third parties who provide targeted advertising content. For more information on how we collect, use and share your online data and how you can manage your online privacy choices, please see the Online Privacy Statement.

NO WARRANTY

THE INFORMATION, MATERIALS, PRODUCTS AND SERVICES IN THIS WEBSITE ARE PROVIDED "AS IS," AND "AS AVAILABLE" WITHOUT ANY WARRANTY OF ANY KIND EITHER EXPRESS, IMPLIED OR STATUTORY, INCLUDING WITHOUT LIMITATION, ANY WARRANTY OF ACCURACY, ADEQUACY OR COMPLETENESS OF THE INFORMATION, MATERIALS, PRODUCTS AND SERVICES, TITLE, NON-INFRINGEMENT OF THIRD PARTY RIGHTS, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND FREEDOM FROM COMPUTER VIRUS. DFS AND THIRD PARTY DATA PROVIDERS EXPRESSLY DISCLAIM LIABIILTY FOR ERRORS OR OMISSIONS IN THE INFORMATION, MATERIALS, PRODUCTS OR SERVICES IN THIS WEBSITE.

Limitation of Liability

In no event will DFS be liable for any lost profits, lost opportunity, lost data, cost of procurement of substitute goods or services, intangible loss, or any direct or indirect, special, incidental, exemplary, punitive, consequential or any damages whatsoever arising out of or in connection with your access to, use of or inability to use this website or any linked product, service or website or the copying or display of, or the interaction or any other form of communications with the website, regardless of whether DFS is advised of the possibility of such damages, losses, or expenses and regardless of the form of action, whether in contract, tort, warranty or otherwise.

Indemnity

You agree to indemnify, defend and hold harmless DFS, its affiliates and their respective officers, directors, employees, agents, successors and assigns (“DFS Entities”) from and against any actual or alleged claims or losses arising from, in connection with, or based on allegations whenever made of any of the following: your breach of these Terms of Use; your use of this website and content; any claim that your use of this website and any content violates any law; the use of Your Content by any DFS Entity; or any claim arising out of, or in connection with, your negligent acts or omissions. This obligation shall survive the termination or expiration of these Terms of Use. You will cooperate fully as reasonably required in the defense of any claim. DFS reserves the right, at its own expense, to assume the exclusive defense and control of any matter subject to the indemnification by you.

Copyrights and additional Intellectual Property

DISCOVER and the other trademarks, logos, and service marks displayed in this website are the trademarks of DFS, its affiliates or their respective third party owners. Under no circumstances may you alter, modify, or change these trademarks. You are prohibited from using these trademarks for any purpose without written permission. All right, title and interest in this website and any content contained herein is the exclusive property of DFS, except as otherwise stated.

The information contained in this website, including but not limited to text, graphics, and images (other than certain images licensed from third parties) and their arrangement, are copyright ©2021 by Discover Financial Services. All rights reserved.

Pursuant to Section 512(c)(2) of the Copyright Act, DFS designates the following agent to receive notifications of claimed copyright or intellectual property infringement: Dennis Lee, Discover, 2500 Lake Cook Road, Riverwoods, IL 60015; phone number: 800-347-3138; iplegal@discover.com.

Submissions

By using this website, creating an account, or otherwise posting or submitting content on this website, you understand, represent and agree to the following with regard to anything that you post or submit (“Your Content”):

(a) Your Content is your original and sole creation; (b) Your Content does not infringe upon any third party rights, including but not limited to patent, copyright, trademark, trade dress, design right, right of publicity or privacy or any intellectual property right; (c) Your Content does not contain material that may be considered defamatory, slanderous or libelous or depict any person, entity or product in a false light; (d) Your Content does not violate any law or regulation; (e) you grant the DFS Entities an irrevocable, fully paid, royalty-free, perpetual, transferable, sub-licensable, non-exclusive, worldwide license to use, copy, publish, distribute, adapt and modify Your Content, or create derivative works from Your Content, in any and all media now known or hereafter devised, for any purpose and you have obtained any consents necessary to grant this license; (f) and the DFS Entities shall not be subject to any obligation of confidentiality with respect to Your Content except as specifically agreed in writing by a DFS Entity or as required by law.

Links

This website contains links to third party websites. DFS hereby disclaims liability for any information, materials, products, or services posted or offered at any of the third party sites linked to this website. The inclusion of any link is not and does not imply an affiliation, sponsorship, endorsement, approval, investigation, verification or monitoring by DFS of any information contained in any third party website. In no event shall DFS be responsible for the information contained on that site or your use of or inability to use such site. You also should be aware that the terms and conditions of such site and the site's privacy policy may be different from those applicable to your use of this website.

Privacy

Please note that by using our website, you signify your consent to our Online Privacy Statement.

Data Sharing

Please see our Data Sharing Agreement.

Governing Law and Enforceability

These Terms of Use shall be governed by and construed in accordance with the laws of the state of Delaware, without regard to conflicts of laws provisions. Sole and exclusive jurisdiction for any action or proceeding arising out of or related to these Terms of Use shall be in an appropriate state court located in the County of Lake, State of Illinois or federal court located in the Northern District of Illinois, and the parties unconditionally waive their respective rights to a jury trial. Any cause of action you may have with respect to your use of this website must be commenced within one (1) year after the claim or cause of action arises. If for any reason a court of competent jurisdiction finds any provision of these Terms of Use, or a portion thereof, to be unenforceable, that provision shall be enforced to the maximum extent permissible so as to affect the intent of these Terms of Use, and the remainder of these Terms of Use shall continue in full force and effect. Except for the Website Privacy Statement, these Terms of Use constitutes the entire agreement between DFS and you with respect to this site and it supersedes all prior or contemporaneous communications, agreements and understandings between DFS and you with respect to the subject matter hereof.

These Terms of Use were last updated July 13, 2023. Please check back for updates and changes.

If you have any questions regarding these Terms of Use, the website, or the Service, please contact us.