Warning! Cookie is not Enabled in your browser. This site required cookie enabled browser to work properly. Click here to find out how to enable cookies in your browser.

Estate Card Rewards Program Membership Agreement

Effective Date: This The Estate Card Rewards Program Membership Agreement was last updated on March 30, 2020.

This Estate Card Rewards Program Membership Agreement (the “Membership Agreement”) will govern your participation in the Estate Card Rewards Program including your use of the MyEstateCard.com website. The Estate Card Rewards Program, including the website MyEstateCard.com, is owned and offered by Municipal Cards LLC, its successors and assigns, (“Estate”) in connection with your enrollment and acceptance of the card known as the “Estate Prepaid MasterCard” issued by Sunrise Banks N.A., Member FDIC (the “Card Issuer”). The online rewards portion of the Estate Card Rewards Program is owned and operated by a third party vendor, Very Important Relationships, Inc., a Nevada Corporation (“VIR”). This Membership Agreement is by and between you (“You” or “Your”), Estate and VIR (collectively “COMPANY”). If You have registered for or on behalf of an entity, you are deemed to have accepted this Agreement on behalf of that entity.

Please read this Agreement, and then check the box on the registration form stating that you have read and agree to the terms of this Membership Agreement. To print a copy of the Membership Agreement, please use your browser's print command.

The rewards program for each Estate Card (the “Estate Card Rewards Program”) has been developed to allow you to receive certain cash rebates to be credited towards an assigned property tax liability as well as other reward benefits (collectively, the “Tax Rebate”) each time You use your Estate Card processing as a credit transaction (signature transaction where a PIN is not used) or shop online through participating Merchants on MyEstateCard.com. The amount of your Tax Rebate will vary from time to time and is subject to change without prior notice to You. Your continued use of the Estate Card Rewards Program will signify your consent to these changes without the need for further action by Company. There are systems which have been put in place to be able to track your purchases with each vendor to help ensure you receive each Tax Rebate you earn. This involves special software on the merchant’s end, a third party validation company in almost all cases, and a proprietary tracking system running on our servers. The use of information obtained through your use of the Estate Card Rewards Program will be used by COMPANY as set forth in our Privacy Policy. You are encouraged to read our Privacy Policy to understand our information collection and use practices.

COMPANY only receives bonus rebates from participating Merchants when you make actual purchases either with Your Estate Card or through the MyEstateCard.com website. These rebates are sent to COMPANY through agreements with each participating Merchant. Rebates are accrued and paid towards Your selected property Tax liability or when unable, credited to your Estate Card account, on or around the date displayed on the My Account page and as provided in this Agreement. COMPANY will make commercially reasonable efforts to ensure that participating Merchants timely pay such rebates. Upon Your acceptance of this Membership Agreement, You hereby agree that You will only be entitled to Tax Rebates that were actually received by COMPANY.

This "Agreement" refers to, individually and collectively depending upon the context, this Membership Agreement.

In consideration of the mutual covenants and agreements contained herein and other good and valuable consideration, the receipt and sufficiency of which are hereby acknowledged, the parties, intending to be legally bound, agree as follows:

1. Defined Terms. The following terms have the meanings indicated:

Active Account” means a current Estate Card Account and registration on MyEstateCard.com. For your account to be considered an Active Account, you must have an active Estate Card Account, plus have shopped via MyEstateCard.com or have accrued Tax Rebates at any time within the last twelve (12) months.

Card Issuer” means the bank that issued You the Estate Card and is responsible for holding your funds deposited to Your Estate Card.

Tax Rebates” means revenue paid to You or on Your behalf towards an assigned property tax account based on purchases of products or services acquired using your Estate Card where such purchase is processed as a credit transaction (signature transaction where no pin is required). The amount of any such Tax Rebate will always be .25% of a transaction or the amount reflected for each Merchant on the MyEstateCard.com site. Rights and interest in Tax Rebates only exist by You upon payment to You or on Your behalf to your selected property tax account.

"Content" means information, data, text, documents, software, music, sound, photographs, graphics and video.

An "end user" means you.

The words "include," "includes" and "including" shall be deemed to be followed by the phrase "without limitation."

"Intellectual Property Rights" means technology, templates, designs, Sites, methodologies, processes, names, strategies, marks, logos, Content, documentation, training manuals, and other materials, as well as any and all patent, trade secret, trademark, copyright and other intellectual property and proprietary rights therein and thereto.

A "link" means any software, software code, programming or other technology or method (or any combination of the foregoing) that (i) creates a hyperlink between two Sites, or (ii) otherwise causes a Web access device to display to its user a "banner," "button," text-mention, word, phrase, logo or other textual or graphical material that, when activated by a person, results in a Site being served to such person or such person being able to electronically access, receive or obtain Content, products, services or other offerings from the linked Site.

Membership means Your use and membership in the Estate Card Rewards Program.

"Merchant" means either a participating in-store merchant or a participating online merchant listed as such on the MyEstateCard.com website.

A "person" is to be broadly construed and includes any natural person or entity.

MyEstateCard.com” means any domain owned by Estate utilizing the Estate Card Rewards Program.

"Web" or "Internet" or "online" means the global computer network currently referred to as the Internet, including the World Wide Web, and any and all successor networks, irrespective of what wired, wireless or otherwise connected device, platform or technology is used to access it.

"Qualified Purchase" means any eligible transaction being processed at the point of sale as a credit transaction and not as a debit transaction (signature transaction where no pin is required) where the transaction was not subsequently reversed for any reason.

"Qualified Bonus Purchase" means any Merchant transaction tracked by the COMPANY system on which COMPANY actually received Tax Rebates in verified and available funds. If COMPANY didn’t receive any revenues or if the Merchant fails to pay Tax Rebates for any reason whatsoever, then such Merchant transaction shall not be a Qualified Purchase.

"Related Parties" means an entity’s corporate affiliates and its and their contractors, licensors, licensees and suppliers.

"Site" means, as the context requires, either (a) one or more Web pages, database, computer files, emails, scripts, software or other application, or other destination, together with supporting files and programming, that are on, provided, or accessible through the Web or works on or in relation to the Web, or (b) a person owning or operating any such Site, or (c) both. A person that owns or operates a Site may have offline businesses which would not preclude it from being a Site for the purposes of this Agreement.

2. Account Registration

2.1. Registration. To use (or continue to use) the Estate Cards Reward Program as a Member, You must provide COMPANY with truthful, accurate and complete registration information. If any such information changes, You must immediately update Your registration information.

2.2. Verification. COMPANY, for tax purposes, has the right, but shall not be obligated, to confirm or otherwise verify or check, in its sole determination, the truth and accuracy of any registration information at any time.

Please be advised that if any information is determined in good faith by COMPANY to be inaccurate or untruthful, COMPANY may restrict, deny or terminate (i) Your Estate Card Rewards Program account on MyEstateCard.com, (ii) Your access and use of, and/or any benefits derived from Your participation in The Estate Card Rewards Program, including withholding payment of any Tax Rebates and/or other fees that may be or become due or payable to You pursuant to the terms of this Agreement.

2.3. Participation. To be a Member of the Estate Card Rewards Program, You must be an individual who is at least 18 years old or a legal existing entity in good standing, and must provide at Your expense your own computer equipment and Internet access.

2.4. Use of the Estate Card Rewards Program. Reward earned in the Estate Card Rewards Program may be applied to a residential, commercial or agricultural property, or any other parcel or property in which property taxes are paid for.

2.5 Enrollment Fee. Upon signup, to help reduce fraud, You may be required to pay a fee to join the Estate Card Rewards Program. If it is indicated that you will receive a promotional credit for this amount, this credit is strictly a promotional credit being offered by ESTATE and will be credited to your new card account upon activation of your new card.

3. Grant of Membership to You

3.1. Your Use of the Membership. Upon the issuance of your Estate Card and your creation of your account on MyEstateCard.com, COMPANY grants You a personal, non-exclusive, non-transferable, non-sublicenseable, revocable and limited license and right, subject to the terms of this Agreement, to Participate in the Estate Card Rewards Program and use MyEstateCard.com.

3.2. Use of the Estate Card Name. This Agreement does not grant to You any license or right to use COMPANY name or any of its respective logos or trade or service names or marks. You agree that You shall not disparage COMPANY or any other participants in the Estate Card Rewards Program.

3.3. Membership Participation. Upon the issuance and acceptance of Your Estate Card, you shall be registered for the Estate Card Rewards Program. Subject to the Terms of Use outlined below, You may use MyEstateCard.com to shop, compare products and services of participating Merchants.

3.4 Duration of Membership Rights; Reservation. The above Membership with respect to the Estate Card Rewards Program is valid only while You remain a Member in good standing and comply with this Agreement. COMPANY may revoke any such Membership at any time by giving You notice by e-mail or in writing. COMPANY reserves all rights that are not specifically granted to You by this Agreement.

3.5 Representations and Warranties. You represent, warrant and covenant as follows:

  • Any and all information You provided as part of the registration process or otherwise shall be truthful, accurate and complete, irrespective of any independent verification or other determination made by COMPANY; and
  • This Agreement has been duly and validly authorized, accepted, executed and delivered by You and constitutes Your legal, valid, and binding obligation, enforceable against You in accordance with its terms.

4. Use of MyEstateCard.com.

4.1. Use of Qualifying Links. Each Qualified Bonus Purchase made by You through MyEstateCard.com must include, in unaltered form, the special "tagged" link codes and/or other transaction tracking codes in the manner and format made available on the MyEstateCard.com. If your online purchase with a participating Merchant does not include the transaction tracking code for any reason, then you will not receive a Tax Rebate for such purchase.

4.2. No Modification. etc. of Qualifying Links. You will not modify, circumvent, impair, disable or otherwise interfere with any tracking codes and/or other technology and/or methodology required or made available by COMPANY or any Merchant to be used in connection with such qualifying link so that it may be properly tracked by COMPANY. Doing so will immediately forfeit any Tax Rebates due on that transaction. These links are necessary so that we can know who you are and how to pay you your Tax Rebates.

4.3. COMPANY as Neutral Hosts. A Merchant’s participation in the Estate Card Rewards Program is not an endorsement by COMPANY of any such Merchant or its affiliate. COMPANY operates the Estate Card Rewards Program and/or provides Memberships as a neutral host, and COMPANY does not regularly or proactively monitor, regulate or police the usage thereof by any of its Members. COMPANY is not responsible or liable for the acts, omissions, agreements or promises of or by any Merchant, Member or other Site using COMPANY offerings to enter into any arrangement or otherwise work with any other person or entity. Members and Merchants are independent parties and neither COMPANY has any responsibility or liability for the acts, omissions, promotions, Content or qualifying links or other links of any Merchant, Member or other third party, including breaches of engagements by Merchants, or for screening or policing the Sites.

5. Payment of Tax Rebates

5.1. Merchant Responsible for Payment. You acknowledge that Your entitlement to any Tax Rebate with respect to any tracked activity through the Estate Card Rewards Program is solely dependent on COMPANY receiving a payment on said transaction from the responsible Merchant. COMPANY is not liable or responsible for collection or payment of these rebates from any Merchant. COMPANY is merely performing the function of tracking Tax Rebates based on rebates it receives from the Merchants based on your

Qualified Bonus Purchases.

The following are some reasons why a purchase may not become Qualified Bonus Purchases:

  • If there is an intervening outclick between the MyEstateCard.com click and visiting the Merchant site, any purchase made at the Merchant’s store during that session will not be a Qualified Bonus Purchase. A Qualified Bonus Purchase must be made in the session immediately following the click through to the Merchant’s store, within the period during which the Merchant store will track the purchase back to MyEstateCard.com, which may be as little as one hour. (This is referred to as “cookie duration.”)
  • Merchants may have a policy against reselling their products and/or service. If a Merchant reverses or refuses to pay credit to MyEstateCard.com because the Merchant deems the purchase to be reseller activity, the purchase ceases to be a Qualified Bonus Purchase.
  • Use of a coupon that is not affiliated with the Estate Card Rewards Program or one that is not specifically designated as being eligible for Tax Rebates may prevent a transaction from being a Qualified Bonus Purchase. For example, if a Member uses a coupon received directly from a merchant (or other non-Estate Card Rewards Program source) or a pre-purchased discount vouchers (such as Groupon deals), the transaction may not be considered a Qualified Bonus Purchase. Also, if a Member uses a coupon that is listed on the Site, but states "may not qualify for Tax Rebates," the purchase may not qualify for Tax Rebates.
  • A purchase ceases to be a Qualified Bonus Purchase if the purchase is returned to or exchanged by the Merchant, if the Merchant alters the terms or conditions of the purchase, the Tax Guidelines for the Merchant posted on the Site are not met, if the Member interacts directly with the Merchant (such as via live chat or phone call during or after the order process)
  • Any time a purchase is not credited to the Estate Card Rewards Program by the Merchant; it is not a Qualified Bonus Purchase.

  • It is your responsibility to check your account regularly to ensure that the Tax Rebate accounting is accurate. If a discrepancy occurs within a Member’s Estate Card Rewards Program account such as a Tax Rebate not being credited to an account and the Member believes he/she made the purchase through a participating Merchant, then the member must contact MyEstateCard.com via our Customer Support form offered in the Customer Support section of the Help menu within 90 days of the purchase date of the goods/services with proper documentation/proof of purchase. Failure in contacting MyEstateCard.com within that 90 day period will result in no customer support rebate inquiries possible to the merchants for the said orders/purchases.
    The determination of whether or not a purchase made qualifies for a rebate is at the sole discretion of COMPANY. If a Merchant fails to report a transaction to COMPANY or withholds payment to COMPANY for any reason, COMPANY reserves the right to cancel the Tax Rebate associated with that transaction.

5.2. Payment Terms. The fact that a Tax Rebate is reported for any tracked activity does not necessarily mean that a payment is due to You from the relevant Merchant, since payment may be subject to conditions established by that Merchant, including policies regarding order cancellation, returned merchandise, receipt of pending credit card authorizations and/or charge backs and minimums for earned compensation before payment is made.

5.3. Tax. Your Tax Rebates might be subject to the tax laws of federal, state, and local jurisdictions where you live or may be required to pay taxes. If deemed necessary, we may choose to provide you notices if we become aware of a requirement to do so in the future. Regardless, in all instances, you will be solely responsible for all tax liability arising from your receipt of Tax Rebates through this portal.

5.4. Payment of Tax Rebates. Your Qualified Purchase Tax Rebates and Qualified Bonus Purchase Tax Rebates that have been received from the Merchants will be paid to the taxing authority where the property you identified is located and the taxing authority will credit it to Your assigned property tax account once a year on or around the date indicated on the My Account page of the MyEstateCard.com website. If, at the close of the year, Your total Qualified Purchase Tax Rebate earned on base and local bonus reward is less than $10.00, such Tax Rebates shall not be available, but instead accrued to the next year. The same will be true for each following year until Your Tax Rebates account balance from base and local bonus reward is equal to or greater than $10.00. If, at the close of the year, Your total Qualified Bonus Purchase Tax Rebate earned from online bonus rewards is less than $10.00, such Tax Rebates shall not be available, but instead accrued to the next year. The same will be true for each following year until Your Tax Rebates account balance from online bonus rewards is equal to or greater than $10.00. Tax Rebates that are unable to be credited towards the assigned property tax liability for any reason will be credited to Your Estate Card.

If Your taxing authority does not accept partial payments or if You are part of a renters program Your Tax Rebate will be credited to Your MyEstateCard.com Card on a month to month basis. If, at the close of the month, Your total Qualified Purchase Tax Rebate earned on base and local bonus reward is less than $10.00, such Tax Rebates shall not be available, but instead accrued to the next month. The same will be true for each following month until Your Tax Rebates account balance from base and local bonus reward is equal to or greater than $10.00. If, at the close of the month, Your total Qualified Bonus Purchase Tax Rebate earned from online bonus rewards is less than $10.00, such Tax Rebates shall not be available, but instead accrued to the next month. The same will be true for each following month until Your Tax Rebates account balance from online bonus rewards is equal to or greater than $10.00.

5.5 Rejection of Tax Credit by Taxing Authority. If a payment is returned to us by a taxing authority due to Your error in the provided property information including but not limited to the property owners name, property address, property parcel ID or account number, a $35 return service fee will be charged to You.

5.6 Return of Unearned Tax Rebates. If any Merchant notifies COMPANY of a returned product or service after Tax Rebates have been paid, COMPANY will deduct the resulting amount from any Tax Rebate balance and if unavailable then from Your Estate Card account.

5.7 COMPANY Determination Final and Binding. All determinations of the Tax Rebates due to You under the Estate Card Rewards Program shall be made by COMPANY and shall be binding on You. COMPANY services do not involve investigating or resolving any claim or dispute involving You, the Card Issuer, any Merchant or other third party person in regard to the Estate Card. If COMPANY, in its sole discretion, elects to investigate or otherwise become involved in any such claim or dispute, it shall not thereby undertake, assume or have any duty, obligation or liability to You or any other party to the claim or dispute.

5.8 Inactive Accounts. Membership in the Estate Card Rewards Program is free: there is no charge to be a member or to earn and receive Tax Rebates. If your account is inactive (I.E. a member does not visit MyEstateCard.com for over 12 months in their logged in account), COMPANY reserves the right to close the account permanently and cease to maintain your account records and Program access. If your Estate Card Rewards Program account is closed for any reason, you shall not be entitled to the payment of any Tax Rebates received after the date the Estate Card Rewards Program account is closed.

6. Dispute Resolution Procedures

6.1. Errors. If You believe that any of the Tax Rebates contain an error which involve any Merchant, you must do the following depending on the type of error:

  • For purchases made through MyEstateCard.com: You must notify COMPANY within ten (10) days after the end of that month, so the matter may be resolved. COMPANY will then run an inquiry into the transaction with the Merchant. You agree that COMPANY shall have no obligations and incur no liabilities to You in connection with any such dispute.
  • For purchases made with Your Estate Card in-store at a participating Merchant: You must notify COMPANY within ten (10) days after the end of that month, so the matter may be resolved. COMPANY will then run an inquiry into the transaction. You agree that COMPANY shall have no obligations and incur no liabilities to You in connection with any such dispute.
  • For all other disputes involving purchases made with your Estate Card or the balance on your Estate Card: You should contact the Card Issuer as soon as possible per the terms of Your cardholder agreement with the Card Issuer.

7. Network of Participating Merchants offering a Bonus Rebate

The list of Merchants offering a bonus rebate in the Estate Card Rewards Program may change from time to time and without prior notice to You. You are responsible for confirming a Merchant’s participation in the Estate Card Rewards Program prior to completing your purchase. Any Merchant's participation in the Estate Card Rewards Program may end or be suspended for a number of reasons, including expiration or early termination of its merchant agreement with COMPANY and You shall not necessarily receive any prior notice that such Merchant's participation is ending.





9.1. If You reasonably determine that your Membership does not materially meet COMPANY obligations under this Agreement, then You must notify COMPANY respectively, in writing within ten (10) days of receiving any such allegedly nonconforming services. Your failure to so notify COMPANY on a timely basis shall mean that You accept such services, and COMPANY shall thereafter have no liability whatsoever with respect to such services. If upon receipt of any notice under this Section, COMPANY, as applicable, may, at its sole discretion, reperform the service in question or otherwise provide You with any substitution or replacement services in lieu thereof. Any reperformance or provision of substitute or replacement services shall in no event be construed as an admission that the original service was nonconforming or otherwise improper, and Your acceptance of the same constitutes Your sole remedy and in such case constitutes COMPANY, as applicable, maximum liability for any such alleged breach of this Agreement.



9.4. Except as otherwise expressly provided in this Agreement, any claim or cause of action arising out of Your use of the Estate Card Rewards Program under this Agreement, must be filed within ninety (90) days after such claim or cause of action arose or be forever barred.


10. Indemnification

10.1. You agree to defend, indemnify and hold harmless COMPANY and any Related Parties, and their respective directors, officers, employees, agents, subcontractors and representatives for and against any and all claims, actions, demands, liabilities, losses, damages, penalties, interest, judgments, settlements, costs and expenses (including reasonable attorneys' fees) that directly or indirectly arise out of or are based on:

  • Any misrepresentation or breach of any representation, warranty, or covenant made by You in this Agreement,
  • Any conduct, or activity, error or omission by You, including in relation to Your participation in the Estate Card Rewards Program, performance of any COMPANY-tracked engagement, or otherwise,
  • Any violation by You of any law, regulation or rule,
  • Your use of any other COMPANY Membership, and/or Network.

10.2. COMPANY may, at its election in its sole discretion, assume the exclusive defense and control of any matter otherwise subject to indemnification by You. COMPANY may participate in the defense of all claims as to which it does not assume defense and control, and You shall not settle any such claim without COMPANY prior written consent.

11. Amendments to the Membership Agreement or Site Use Terms and Conditions Agreement

11.1. Amendments. Upon prior written notice, COMPANY at any time, add to, remove or otherwise amend any or all terms, conditions and/or other provisions of this Agreement, including any Network Policies and Guidelines.

11.2. Changes in Service. COMPANY may add, remove, suspend or discontinue any aspect of the Estate Card Rewards Program.


12. Closing Your Account.

12.1. Termination. You or COMPANY may, at any time, with or without cause, terminate this Agreement and Your participation in the Estate Card Rewards Program. You may affect such termination by written notice to COMPANY subject to actual receipt thereof.

12.2. Restricted Use. Alternatively, COMPANY may, in its sole discretion, suspend, limit, restrict, condition or deny Your access to or use of all or any part of the Estate Card Rewards Program.

12.3. Termination of Membership Agreement. Upon any termination of this Agreement and/or Your participation in the Estate Card Reward Program, any and all membership rights granted to You under this Agreement shall immediately cease and terminate.

12.4. Rights and Remedies After Termination. All rights or remedies arising out of a breach of any terms of this Agreement shall survive any such termination of this Agreement or Your participation in the Estate Card Rewards Program.

12.5. Effects of Termination. COMPANY may withhold and offset against any and all Tax Rebates and/or other fees that are then unpaid to You to allow for any refunds that may be due to a Merchant based on their cancellation or other policies. Following assessment of any fees subject to COMPANY. holding any amount it determines in its sole discretion to be needed to support any of Your indemnification and/or other obligations and/or liabilities under this Agreement, COMPANY may refund any remaining monies to any of the Merchants with which You had entered into a COMPANY tracked purchase. Such withholding of such Tax Rebates is in addition to any other rights and remedies that COMPANY or any Merchant may have in contract, at law or in equity.

12.6. Survival. Sections 11 and 12, and any provision which by its terms are intended to survive any expiration or termination of this Agreement, will survive any expiration or termination of this Agreement. Your representations and warranties in this Agreement shall survive execution, delivery, acceptance, performance, expiration or termination of this Agreement.

13. Miscellaneous

13.1. Independent Contractors. The parties are independent contractors and nothing in this Agreement shall confer upon either party any authority to obligate or bind the other in any respect.

13.2. Force Majeure. COMPANY shall not be liable to You by reason of any failure or delay in the performance of its obligations here under on account of strikes, shortages, riots, insurrection, fires, flood, storm, explosions, acts of God, war, governmental action, labor conditions, earthquakes, interruptions in telecommunications services or Internet facilities, or any other cause which is beyond the reasonable control of COMPANY, whether or not similar to the foregoing.

13.3. Assignability. You shall not assign or delegate any of the rights or obligations under this Agreement, and any such attempted assignment or delegation shall be void. Subject to the preceding sentence, this Agreement is binding on and inures to the benefit of the respective successors, heirs and assigns of each party.

13.4. Severability. If any portion of this Agreement is held by a court with jurisdiction to be invalid or unenforceable, the remaining portions hereof, shall remain in full force and effect. If any provision of this Agreement shall be judicially unenforceable in any jurisdiction, such provision shall not be affected with respect to any other jurisdiction.

13.5. Governing Law; Consent to Jurisdiction; Jury Trial Waiver. This Agreement shall be governed by and construed in accordance with the laws of the State of Texas, U.S.A., without regard to its conflicts of law principles. You consent to the personal and exclusive jurisdiction of the Federal and Texas State courts sitting in Dallas County, Texas U.S.A. EACH PARTY WAIVES RIGHTS TO TRIAL BY JURY IN RESPECT OF ANY ACTION, SUIT OR PROCEEDING ARISING OUT OF THIS AGREEMENT. The U.N. Convention on the International Sale of Goods shall not apply to this Agreement.

13.6. Entire Agreement; Third Party Beneficiaries. This Agreement is the entire agreement between the parties pertaining to its subject matter, and supersedes all prior written or oral agreements (including prior versions of this Agreement), representations, warranties or covenants between the parties with respect to such subject matter. There are no third party beneficiaries of this Agreement. The headings of sections or other subdivisions of this Agreement will not affect in any way the meaning or interpretation of this Agreement.

13.7. Notices. COMPANY may provide notices to You by posting notices on MyEstateCard.com. Notices to You also may be made via e-mail, regular mail, overnight courier to you contact addresses of record for the Estate Card Rewards Program. If you provide notice to Very Important Relationships, Inc., such notice shall be sent, postage prepaid by U.S. registered or certified mail or by international or domestic overnight courier to: Very Important Relationships, Inc. Corporation, 6316 Abercorn Drive, Rowlett, TX 75089, Attn: Chief Executive Officer and General Counsel. If you provide notice to Municipal Cards LLC, such notice shall be sent, postage prepaid by U.S. registered or certified mail or by international or domestic overnight courier to: Municipal Cards LLC, Attention: Customer Service, 9409 Skywagon Lane, McKinney, Texas 75071. Notices sent by email, with or without electronic confirmation, will not be deemed to be valid unless actual receipt is confirmed in writing by an authorized personnel member of COMPANY, as applicable.

13.8. Language. The English language versions of this Agreement and Network Policies and Guidelines are the controlling versions thereof. All support and other inquiries regarding Your use of the Estate Card Rewards Program must be submitted to in English, and COMPANY will communicate in English only.

13.9. Government Restricted Rights. With respect to any acquisition or use of any network operated by either Estate or VIR by or for any unit or agency of the United States Government (the "Government"), such items shall be classified as "commercial computer software" as that term is defined in the applicable provisions of the Federal Acquisition Regulation (the "FAR") and supplements thereto, including the Department of Defense (DoD) FAR Supplement (the "DFARS"). Such networks and Memberships were developed entirely at private expense, and no part of the networks or Memberships were first produced in the performance of a Government contract. If any Membership is supplied for use by the DoD, such Membership is delivered subject to the terms of this Agreement and either (i) in accordance with DFARS 227.7202-1(a) and 227.7202-3(a), or (ii) with restricted rights in accordance with DFARS 252-227-7013 (c)(l)(ii)(OCT 1988), as applicable. If the Membership is supplied for use by a Federal agency other than the DoD, such Membership is restricted computer software delivered subject to the terms of this Agreement and (i) FAR 12.212(a); (ii) FAR 52.227-19; or (iii) FAR 52.227-14(ALT III), as applicable. The contractor/manufacturer is Very Important Relationships, Inc., 6316 Abercorn Drive, Rowlett, TX 75089.

E-Sign Disclosure

Effective Date: This E-Sign Disclosure was last updated on March 30, 2020.

This Online Service E-Sign Disclosure and Consent ("Disclosure"), applies to all Communications for those products and services offered through the Online Service that are not otherwise governed by the terms.

The words "we," "us," and "our" refer collectively to Municipal Cards, LLC and Ficentive, Inc. with whom you have your Account, the words "you" and "your" mean you, the individual(s) or entity identified of the Account(s). As used in this Disclosure, "Account" means the account you have with us. "Communication" means any customer agreements or amendments thereto, disclosures, notices, responses to claims, transaction history, privacy policies and all other information related to the product or service, including but not limited to information that we are required by law to provide to you in writing.

1. Scope of Communications to Be Provided in Electronic Form. When you use a product or service to which this Disclosure applies, you agree that we may provide you with any Communications in electronic format, and that we may discontinue sending paper Communications to you, unless and until you withdraw your consent as described below. Your consent to receive electronic communications and transactions includes, but is not limited to:

  • All legal and regulatory disclosures and communications associated with the product or service available through MyEstateCard.com for your Account
  • Notices or disclosures about a change in the terms of your Account or associated payment features and responses to claims
  • Privacy policies and notices

2. Method of Providing Communications to You in Electronic Form. All communications that we provide to you in electronic form will be provided either (1) via e-mail, (2) by access to a web site that we will designate in an e-mail notice we send to you at the time the information is available, or (3) to the extent permissible by law, by access to a web site that we will generally designate in advance for such purpose.

3. How to Withdraw Consent. You may withdraw consent to receive Communications in electronic form by contacting us at 1-833-TAX-REWARD (1-833-829-7392). At your option, we may treat your provision of an invalid email address, or the subsequent malfunction of a previously valid email address, as a withdrawal of your consent to receive electronic Communications. We will not impose any fee to process the withdrawal of your consent to receive electronic Communications; however, your access and use of www.myestatecard.com will be terminated. Any withdrawal of your consent to receive electronic Communications will be effective only after we have a reasonable period of time to process your withdrawal.

4. How to Update Your Records. It is your responsibility to provide us with a true, accurate and complete e-mail address, contact, and other information related to this Disclosure and your Account(s), and to maintain and update promptly any changes in this information. You can update information (such as your e-mail address) through www.myestatecard.com or by contacting us at 1-833-TAX-REWARD (1-833-829-7392).

5. Hardware and Software Requirements. In order to access, view, and retain electronic Communications that we make available to you, you must have:

  • an Internet browser that supports 128 bit encryption;
  • sufficient electronic storage capacity on your computer's hard drive or other data storage unit;
  • an e-mail account with an Internet service provider and e-mail software in order to participate in our electronic Communications programs;
  • a personal computer (for PC's: Pentium 120 MHz or higher; for Macintosh, PowerMac 9500, Power PC 604 processor 120-MHz Base or higher), operating system and telecommunications connections to the Internet capable of receiving, accessing, displaying, and either printing or storing Communications received from us in electronic form via a plain text-formatted e-mail or by access to our web site using one of the browsers specified above.

6. Requesting Paper Copies. We will not send you a paper copy of any Communication, unless you request it or we otherwise deem it appropriate to do so. You can obtain a paper copy of an electronic Communication by printing it yourself or by requesting that we mail you a paper copy, provided that such request is made within a reasonable time after we first provided the electronic Communication to you. To request a paper copy please contact us at 1-833-TAX-REWARD (1-833-829-7392) or support@myestatecard.com. We may charge you a reasonable service charge for the delivery of paper copies of any Communication provided to you electronically pursuant to this authorization. Please refer to your Cardholder Agreement or Cardholder Terms and Conditions for any applicable fees. We reserve the right, but assume no obligation, to provide a paper (instead of electronic) copy of any Communication that you have authorized us to provide electronically.

7. Communications in Writing. All Communications in either electronic or paper format from us to you will be considered "in writing." You should print or download for your records a copy of this Disclosure and any other Communication that is important to you.

8. Federal Law. You acknowledge and agree that your consent to electronic Communications is being provided in connection with a transaction affecting interstate commerce that is subject to the federal Electronic Signatures in Global and National Commerce Act, and that you and we both intend that the Act apply to the fullest extent possible to validate our ability to conduct business with you by electronic means.

9. Termination/Changes. We reserve the right, in our sole discretion, to discontinue the provision of your electronic Communications or to terminate or change the terms and conditions on which we provide electronic Communications. We will provide you with notice of any such termination or change as required by law.

10. Consent. By selecting "Accept" or checking the appropriate box you hereby give your affirmative consent to provide electronic Communications to you as described herein. You further agree that your computer satisfies the hardware and software requirements specified above and that you have provided us with a current e-mail address at which we may send electronic Communications to you.

The featured words and symbols used to identify the source of goods and services may be the trademarks of their respective owners.


Effective Date: This MyEstateCard.com Terms of Use Agreement was last updated on March 30, 2020.

This Terms of Use Agreement sets forth the standards of use of the MyEstateCard.com Online Service. By using the MyEstateCard.com website you (the "Member") agree to these terms and conditions. If you do not agree to the terms and conditions of this agreement, you should immediately cease all usage of this website. We reserve the right, at any time, to modify, alter, or update the terms and conditions of this agreement without prior notice. Modifications shall become effective immediately upon being posted at MyEstateCard.com website. Your continued use of the Service after amendments are posted constitutes an acknowledgement and acceptance of the Agreement and its modifications. Except as provided in this paragraph, this Agreement may not be amended. Capitalized terms not otherwise defined in this Terms of Use Agreement shall have the meaning given such term in the Estate Card Rewards Program Membership Agreement by and between you and COMPANY.

1. Eligibility
You must be at least 13 years old to use the MyEstateCard.com Website. By using this Service or this Site, you represent and warrant that you are 13 or older, and that you agree to abide by all of the terms and conditions of this Agreement.

2. Description of Service
COMPANY is providing Member with MyEstateCard.com. Member must provide (1) all equipment necessary for their own Internet connection, including computer and modem and (2) provide for Member access to the Internet, and (3) pay any fees related with such connection.

3. Disclaimer of Warranties.
The site is provided by COMPANY on an "as is" and on an "as available" basis. To the fullest extent permitted by applicable law, COMPANY makes no representations or warranties of any kind, express or implied, regarding the use or the results of this web site in terms of its correctness, accuracy, reliability, or otherwise. COMPANY shall have no liability for any interruptions in the use of this Website. COMPANY disclaims all warranties with regard to the information provided, including the implied warranties of merchantability and fitness for a particular purpose, and non-infringement. Some jurisdictions do not allow the exclusion of implied warranties, therefore the above-referenced exclusion is inapplicable.

4. Limitation of Liability
COMPANY SHALL NOT be liable for any damages whatsoever, and in particular COMPANY shall not be liable for any special, indirect, consequential, or incidental damages, or damages for lost profits, loss of revenue, or loss of use, arising out of or related to this web site or the information contained in it, whether such damages arise in contract, negligence, tort, under statute, in equity, at law, or otherwise, even if COMPANY has been advised of the possibility of such damages. SOME JURISDICTIONS DO NOT ALLOW FOR THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES, THEREFORE SOME OF THE ABOVE LIMITATIONS IS INAPPLICABLE.

5. Indemnification
Member agrees to indemnify and hold COMPANY, its parents, subsidiaries, affiliates, officers and employees, harmless from any claim or demand, including reasonable attorneys fees and costs, made by any third party due to or arising out of Members use of the Service, the violation of this Agreement, or infringement by Member, or other user of the Service using Members computer, of any intellectual property or any other right of any person or entity.

6. Modifications and Interruption to Service
COMPANY reserves the right to modify or discontinue the Service with or without notice to the Member. COMPANY shall not be liable to Member or any third party should COMPANY exercise its right to modify or discontinue the Service. Member acknowledges and accepts that COMPANY does not guarantee continuous, uninterrupted or secure access to our website and operation of our website may be interfered with or adversely affected by numerous factors or circumstances outside of our control.

7. Third-Party Sites
Our website may include links to other sites on the Internet that are owned and operated by online merchants and other third parties. You acknowledge that we are not responsible for the availability of, or the content located on or through, any third-party site. You should contact the site administrator or webmaster for those third-party sites if you have any concerns regarding such links or the content located on such sites. Your use of those third-party sites is subject to the terms of use and privacy policies of each site, and we are not responsible therein. We encourage all Members to review said privacy policies of third-parties' sites.

8. Disclaimer Regarding Accuracy of Vendor Information
Product specifications and other information have either been provided by the Vendors or collected from publicly available sources. While COMPANY makes every effort to ensure that the information on this website is accurate, we can make no representations or warranties as to the accuracy or reliability of any information provided on this website.

COMPANY makes no warranties or representations whatsoever with regard to any product provided or offered by any Vendor, and you acknowledge that any reliance on representations and warranties provided by any Vendor shall be at your own risk.

Governing Law; Consent to Jurisdiction; Jury Trial Waiver
This Agreement shall be governed by and construed in accordance with the laws of the State of Texas, U.S.A., without regard to its conflicts of law principles. You consent to the personal and exclusive jurisdiction of the Federal and Texas State courts sitting in Dallas County, Texas U.S.A. EACH PARTY WAIVES RIGHTS TO TRIAL BY JURY IN RESPECT OF ANY ACTION, SUIT OR PROCEEDING ARISING OUT OF THIS AGREEMENT. The U.N. Convention on the International Sale of Goods shall not apply to this Agreement.

10. Compliance with Laws
Member assumes all knowledge of applicable law and is responsible for compliance with any such laws. Member may not use the Service in any way that violates applicable state, federal, or international laws, regulations or other government requirements. Member further agrees not to transmit any material that encourages conduct that could constitute a criminal offense, give rise to civil liability or otherwise violate any applicable local, state, national, or international law or regulation.

11. Copyright and Trademark Information
All content included or available on this site, including site design, text, graphics, interfaces, and the selection and arrangements thereof is MyEstateCard.com, with all rights reserved, or is the property of Estate, VIR, and/or third parties protected by intellectual property rights. Any use of materials on the website, including reproduction for purposes other than those noted above, modification, distribution, or replication, any form of data extraction or data mining, or other commercial exploitation of any kind, without prior written permission of an authorized officer of Estate is strictly prohibited. Members agree that they will not use any robot, spider, or other automatic device, or manual process to monitor or copy our web pages or the content contained therein without prior written permission of an authorized officer of Estate.

MyEstateCard.com™, Estate Card™, and Card Rewards™ are proprietary marks of Estate. Estate trademarks may not be used in connection with any product or service that is not provided by Estate, in any manner that is likely to cause confusion among customers, or in any manner that disparages or discredits Estate.

All other trademarks displayed on MyEstateCard.com's website are the trademarks of their respective owners, and constitute neither an endorsement nor a recommendation of those Vendors. In addition, such use of trademarks or links to the web sites of Vendors is not intended to imply, directly or indirectly, that those Vendors endorse or have any affiliation with COMPANY.

12. Notification of Claimed Copyright Infringement
Pursuant to Section 512(c) of the Copyright Revision Act, as enacted through the Digital Millennium Copyright Act, MyEstateCard.com designates the following individual as its agent for receipt of notifications of claimed copyright infringement.

By Mail
6316 Abercorn Drive,
Rowlett, TX 75089,
By Telephone: 972-726-9595
By Email: support@MyEstateCard.com

13. Botnets
COMPANY retains the right, at its sole discretion, to terminate any accounts involved with botnets and related activities. If any hostnames are used as command and control points for botnets, COMPANY reserves the right to direct the involved hostnames to a honeypot, loopback address, logging facility, or any other destination at our discretion.

14. Other Terms
If any provision of this Terms of Use Agreement shall be unlawful, void or unenforceable for any reason, the other provisions (and any partially-enforceable provision) shall not be affected thereby and shall remain valid and enforceable to the maximum possible extent. You agree that this Terms of Use Agreement and any other agreements referenced herein may be assigned by COMPANY, in its sole discretion, to a third party in the event of a merger or acquisition. This Terms of Use Agreement shall apply in addition to, and shall not be superseded by, any other written agreement in relation to your participation as a Member. Member agrees that by accepting this Terms of Use Agreement, Member is consenting to the use and disclosure of their personally identifiable information and other practices described in our Privacy Policy Statement.


Effective Date: This MyEstateCard.com Privacy Policy was last updated on March 25, 2018.

The following sets forth the policies for the collection and use of personally identifiable information ("Personal Information") by Estate Card LLC (“Estate”) and Very Important Relationships, Inc. (“VIR” together with Estate, collectively, the "COMPANY") in connection with the Estate Card Rewards Program and MyEstateCard.com website (the "Website") and its offline operations (the Site and offline operations together are known as the "Business"), and supersedes any previous statement of such policies. Capitalized terms not otherwise defined herein shall have the meaning given such term in the Estate Card Rewards Program Membership Agreement.

This Website and Business is operated in the United States and all information that we maintain is stored in the United States. If you live outside of the United States, you understand and agree that we may transfer your information to the United States and that the Website is subject to U.S. laws, which may not afford the same level of protection of those in your country.

COMPANY knows that Your Personal Information is important and COMPANY respects that importance and treats that information in a commercially reasonable manner. COMPANY has created the below policy to explain the types of information it collects from users, how it uses this information, with whom and for what purposes it shares the information, and how Users can interact with COMPANY in connection with the information collection and use.

COMPANY takes its obligations regarding privacy very seriously and it wants to ensure Users are fully informed about the Information they are providing to it.

  1. Acknowledgement and acceptance of terms

    The COMPANY is committed to protecting Your privacy. This Privacy Statement sets forth our current privacy practices with regard to the information we collect when You use the Estate Card Rewards Program. By your use of the Estate Card or accessing the Website, you acknowledge and fully understand Company's Privacy Statement and freely consent to the information collection and use practices described in this Website Privacy Policy.

  2. Participating Merchant Policies

    Related services and offerings with links from the Website, including vendor sites, have their own privacy statements that can be viewed by clicking on the corresponding links within each respective website. Merchants and others who participate in the Estate Card Rewards Program are encouraged to participate in industry privacy initiatives and to take a responsible attitude towards consumer privacy. However, since we do not have direct control over the policies or practices of participating Merchants and other third parties, we are not responsible for the privacy practices or contents of those sites. We recommend and encourage that you always review the privacy policies of Merchants and other third parties before you provide any Personal Information or complete any transaction with such parties.

  3. Information We Collect

    COMPANY collects certain information from and when you:

    1. Sign up for an account
    2. Update your information in your account
    3. Visit our Website
    4. Use our mobile app
    5. Use our browser extension
    6. Contact customer support
    7. Use one of our cards for a financial transaction

    Company also collects certain information from and about its users: directly from our web server logs, cookies and Card Issuer. We never sell any personal data we collect to any third part source, so you can rest assured that the only purpose of collecting the information below is to better serve your needs.

    1. Web Server Logs

      When you visit our Website, we may track information to administer the site and analyze its usage. Examples of information we may track include:

      • Your Internet protocol address.
      • he kind of browser or computer you use.
      • Number of links you click within the site.
      • State or country from which you accessed the site.
      • Date and time of your visit.
      • Name of your Internet service provider.
      • Web page you linked to our site from.
      • Pages you viewed on the site.

    2. Use of Cookies

      The Website may use cookies to personalize or enhance your user experience. A cookie is a small text file that is placed on your hard disk by a Web page server. Cookies cannot be used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to you, and can only be read by a Web Server in the domain that issued the cookie to you.

      One of the primary purposes of cookies is to provide a convenience feature to save you time. For example, if you personalize a web page, or navigate within a site, a cookie helps the site to recall your specific information on subsequent visits. Hence, this simplifies the process of delivering relevant content and eases site navigation by providing and saving your preferences and login information as well as providing personalized functionality.

      COMPANY reserves the right to share aggregated site statistics with partner companies but does not allow other companies to place cookies on our website unless there is a temporary, overriding customer value (such as merging into the Website a site that relies on third-party cookies).

      You have the ability to accept or decline cookies. Most Web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies. If you reject cookies by changing your browser settings, then be aware that this may disable some of the functionality on our Website.

    3. Personal Information

      When you register for the Estate Card Rewards Program, we will request some Personal Information such as name, email, address and other relevant information. You may also be asked to disclose Personal Information to us so that we can provide additional assistance to you, for example, to provide online technical support and troubleshooting.

    4. Transaction information

      When you use one of our cards, for example to make purchases from merchants, we receive information about the transaction, as well as other information associated with the transaction.

  4. How We Use Your Information

    We will not disclose personally identifiable information we collect from you to any third parties without your permission except to the extent necessary:

    • To provide services
    • To fulfill your service requests for services
    • To provide such information to the Card Issuer
    • To provide such information to tax payment vendor/s and or taxing entity
    • To protect ourselves from liability
    • To respond to legal process or comply with law
    • In connection with a merger, acquisition, or liquidation of the company

    We may share your personal identifiable information:

    • With other members of the Company corporate family to among other things, provide the services you have requested or authorized; to manage risk; to help detect and prevent potentially illegal and fraudulent acts and other violations of our policies and agreements.
    • With third-party service providers that perform services and functions at our direction and on our behalf.
    • With other financial institutions that we have partnered with to jointly create and offer a product or service.
    • With the other parties to a transaction when you use your card, such as local merchants.

    We may use and disclose non-Personal Information for any number of reasons, including but not limited to, working with business partners and improving our services.

  5. Use of Web Beacons or GIF files

    The Website's Web pages may contain electronic images known as Web beacons - sometimes also called single-pixel gifs - that allow the Website to count users who have visited those pages and to deliver co-branded services. The Website may include Web beacons in promotional e-mail messages or newsletters in order to determine whether messages have been opened and acted upon.

    Some of these Web beacons may be placed by third party service providers to help determine the effectiveness of our advertising campaigns or email communications. These Web beacons may be used by these service providers to place a persistent cookie on your computer. This allows the service provider to recognize your computer each time you visit certain pages or emails and compile anonymous information in relation to those page views, which in turn enables us and our service providers to learn which advertisements and emails bring you to our website and how you use the site. The Website prohibits Web beacons from being used to collect or access your Personal Information.

  6. Accessing Web Account Information

    We provide you with the means to ensure that personally identifiable information in your web account file is correct and current. You can review and change the personal information we maintain in the Personal Information section under the My Account tab after logging in.

  7. Social Network Features

    Our Website provides certain functionalities designed to allow you to initiate actions between the Website and third-party websites or services, including third-party social networks (“Social Network Features”). Examples of Social Network Features include features that enable you to “like” or “share” special offers from mall merchants, Websites’ content or services; to sign into the Website using your username and password from a third-party site or service; and to connect our Website with a third-party website or service. If you choose to use our Social Network Features, any information you post or provide access to may be used by us and/or publicly displayed on our Services, or by the provider of the Social Network Feature that you utilize. Likewise, should you post information on a third-party platform that references back to our Website (e.g., by using a hashtag associated with either our Website or Company in a tweet or status update); your post may be published on our Website in accordance with the terms of the third-party website or service. When you utilize our Website with a third-party site or service, both Company and the third party may have access to certain information about you and your use of our Website and the third-party site or service. In addition, we may receive information about you if other users of a third-party website give us access to their profiles and you are one of their “connections,” or information about you is otherwise accessible through your connections’ web pages, profile pages, or similar pages on a social-networking or other third-party website or interactive service. The information we collect in connection with Social Network Features is subject to this Privacy Policy. Any information collected and stored by the third parties remains subject to those third parties’ privacy policies, including whether the third parties continue to share information with us, the types of information shared, and your choices with regard to what is visible to others on those third-party websites or services.

  8. Marketing Practices

    When you sign up, you have the option to opt into receiving email updates and special offers. If you do opt in and later wish to opt out, you can do so at any time using the unsubscribe button at the bottom of any email you receive from us. This will remove your name permanently from our email distribution list. You can also select to stop receiving promotional emails by logging into your My Profile section of the My Account and updating your "Email Notifications and Newsletter Subscription" setting. Even if you opt out of getting marketing messages, we will still send you transactional messages. These include responses to your questions.

  9. Web Analytics Service

    This site uses a third-party analytics system to help improve usability and customer experience. Mouse clicks, mouse movements and scrolling activity may be recorded. Non-sensitive keystroke information that you voluntarily enter on this website may also be recorded. You can choose to disable these features here. Note, by disabling this feature you will also be disabling other features such as 1-to-1 support chat.

  10. Children

    Our Website and/or Services are designed for people at least 18 years of age. We do not knowingly collect information from or about children under 13 years of age and use of our services by children under 13 years of age is forbidden.

  11. How We Safeguard Your Information

    We use administrative technical and physical security measures to protect your Personal Information. These measures include computer safeguards and secured files and facilities. We take reasonable steps to securely destroy or permanently de-identify Personal Information when we no longer need it. We will keep your Online Information only as long as we must to deliver our products and services, unless we are required by law or regulation or for litigation and regulatory investigations to keep it.

  12. Changes to this Statement

    COMPANY has the discretion to occasionally update this privacy statement. When we do, we will also revise the "updated" date at the top of this Privacy page. We encourage you to periodically review this privacy statement to stay informed about how we are helping to protect the Personal Information we collect. Your continued use of the service constitutes your agreement to this privacy statement and any updates.

  13. Contacting Us

    If you have questions regarding our Privacy Statement, its implementation, failure to adhere to this Privacy Statement and/or our general practices, please contact us via the form on the help page on our Website..

    The Website will use commercially reasonable efforts to promptly respond and resolve any problem or question.


We are currently working to upgrade this service. Please check back in a few days or email support@thetabcard.com to be notified when service is restored.