You and Bank agree that, if a particular account or loan through which Services are accessed or used is a true consumer account or loan (as defined in Regulations E and Z, respectively), then the terms and conditions of account agreements and disclosures applicable to that account or loan will control over conflicting terms and conditions in this Access Agreement. Each non-consumer Account (and its non-consumer Account owners) that is affiliated with a consumer account or loan (by ownership, control or otherwise) must reimburse, indemnify and defend Bank from and against all liabilities, costs and expenses incurred by Bank as a result of use of Services by that consumer.
What’s the catch? None, really. Cash back apps act as affiliates for many online merchants, which means that whenever you make a purchase through one of the apps, they get a small commission — but then, they give you a portion of that commission as “cash back”. For example, if I buy a pair of Nike shoes through the Ebates app (or website) and spend $75, Ebates may get a $10 commission but then they’ll pass $7 back to me. It’s basically a way to get sale prices on stuff that isn’t on sale!
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