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Cloud9, SkyOne Loyalty Rewards Terms and Conditions


Cloud9, SkyOne Loyalty Rewards™ (“Program”) is a promotional incentive program offered by SkyOne Federal Credit Union (“SkyOne”, “Issuer,” “we,” and “us”). Under the Program, you will earn points every time you make a qualifying purchase or engage in a qualifying transaction (“Qualifying Purchase”) with an eligible SkyOne Platinum Visa Credit Card (“Card”) that has been enrolled in the Program. You can use these points to obtain merchant gift or travel certificates, gift cards, merchandise, and much more (referred to generally as “Rewards”). By participating in the Program, you are agreeing to be bound by the following terms and conditions. In addition to these terms and conditions, your Card agreement (the “Card Agreement”) with us relating to your use of your Card shall also continue to govern your use of the Program. In the event of a conflict between the Card Agreement and these terms and conditions, the Card Agreement will govern (except these terms and conditions shall govern in any matter relating to the Program).

Changes to the Program: We may modify, restrict or change the Program at any time. These changes may include (but are not limited to) changing the number of points you earn for a particular type of activity or the number of points you need to reach a particular Reward tier or to redeem a particular Reward; omitting or adding reward levels or categories; changing the selection of Rewards; imposing, increasing or eliminating points caps or Program fees; or changing the conditions under which points expire or are forfeited. We will notify you of material changes to the Program terms and conditions and, unless you decide to terminate your Program participation, you will be bound by the revised terms and conditions. You agree that providing notice on the Program website is a satisfactory method of notifying you. We also reserve the right to suspend or terminate the Program, or your participation in the Program, at any time without compensation to you.
Eligibility: Accounts in good standing may be eligible to participate in the Program. Good standing is defined to include accounts that are not delinquent, in default, charged off, or in any condition deemed to be in default of SkyOne. We reserve the right to determine at our sole discretion whether a particular Card or Cardholder is eligible to participate in the Program.

Enrollment: When your Card account is opened with SkyOne, we will automatically enroll your Card in the Cloud 9 Program and establish a Program account (“Cloud9 Account”) for you. If you have multiple Card accounts within one SkyOne membership, all Qualifying Purchases made with these Cards will earn points in a single Cloud9 Account.

You may be required to set up a username and password on the program website in order to access and redeem your points. You are responsible for all activity in your Cloud9 Account. There is no cost to you to enroll or participate in the Program. Please be aware that if you elect to participate in any Program services offered via a mobile device, your wireless provider’s message and data rates may apply and you are responsible to your wireless provider for any such charges.

Qualifying Purchases: Only Qualifying Purchases with an enrolled SkyOne Card can earn points. A “Qualifying Purchase” is any signature-based purchase, Internet purchase, phone or mail order purchase, or small dollar purchases for which you are not required to sign, made with an enrolled Card. Qualifying Purchases do not include: PIN-based purchases, purchases you initiate through identification technology that substitutes for a PIN, payments of existing Card balances, payment of any SkyOne loan, balance transfers, cash advances, ATM transactions, convenience checks, fees charged by us (for example, finance charges and related service charges, if any apply), payments made for pre-paid and re-loadable cards such as certain gift cards, and similar cards, off-track wagers, other wagers or lottery tickets, or payments made for payment instruments that can readily be converted to cash (for example, travelers checks, money orders, wire transfers, refunds based on prior purchases, and similar products or services). We reserve the right to determine in our sole discretion whether a particular Card transaction is a Qualifying Purchase.

Points: Upon enrollment, you will start earning points for the Qualifying Purchases made with your enrolled Card based on the actual purchase amount, including tax. You will earn 1 point for each $1.00 of a Qualifying Purchase made with your enrolled Card. Subject to these terms and conditions, there is no limit to the number of points you may earn. The daily total of Qualifying Purchase amounts, including tax, will be rounded to the nearest whole dollar amount to determine the number of points to be posted to your Cloud9 Account. If you make a Qualifying Purchase in part with your enrolled Card and in part with another form of payment (known as a “split-tender” transaction), you will earn points only for the amount you pay with your enrolled Card. Any returns, credits, or charge-backs earn “negative” points and such “negative” points will reduce the total points posted to the Cloud9 Account. If at any time an enrolled Card account is not in good standing, Qualifying Purchases you make while the Card is not in good standing will not accrue any points. Occasionally, SkyOne may authorize an adjustment to your Cloud9 point balance. These adjustments can add or subtract from your point balance. Details on adjustments can be found on the Program website or by speaking with a Cloud9 representative. Points have no cash or other value, except to obtain Rewards as set forth below. Except as provided herein, you may not purchase points or transfer points from one Cloud9 Account to another Cloud9 Account, even if both are owned by you. You also may not transfer or sell your Cloud9 Account. We may, in our sole discretion, award bonus points for certain transactions and/or for promotions (details will be provided with such offers) from time to time and such promotional points may take up to 8 weeks to appear.

Gifting Points: You may gift your points to other Cardholders enrolled in the Program. Gifting points is free. Points may be gifted in any amount, subject to a $25 minimum and can only be gifted to accounts that are open and in good standing with us. Once the authorization for transfer is received and processed, transferer relinquishes all rights to the transferred points, and such points will be deducted from transferer’s Rewards Account and become the transferee’s points. Points transferred will be based on a first-in, first-out basis. Gifted points will expire one (1) year from the date they are gifted.

Point Activity: You can view your Cloud9 Account point balance and points earned and redemption activity at any time online at or by calling 1.800.669.8682. Your SkyOne member statement will normally include the number of points earned, subject to adjustment as provided for in these terms and conditions. “Points Earned” are those awarded based on Qualifying Purchases made with your SkyOne Platinum Rewards Visa Credit Card. It may take up to two weeks for some of your Qualifying Purchases to post to your Cloud9 Account. Some Qualifying Purchases, for example online purchases, or foreign transactions, and bonus points, may take longer to be posted.

Redemption: Points are redeemed on a “next to expire” basis, such that points nearest to expiration will be the first points redeemed over the life of your Cloud9 Account. Once a redemption order is placed, your Cloud9 Account will be reduced by the number of points used to acquire the Reward. If your Reward order is cancelled or the Reward item becomes unavailable (and there is no substitute Reward available), your points will be reinstated and you will be notified of the cancelled Reward order.
Expiration: Cloud9 point expiration timeframe: All unredeemed points will expire three (3) years after the Qualifying Purchases were made for these points earned. For example, if the Qualifying Purchase was made July 4, 2016, these points will expire on July 4, 2019, if not used. If the Qualifying Purchase was made in a leap year on February 29, 2016, these earned points will expire on March 1, 2019 if not used by then.

Forfeiture: Your positive point balance will be forfeited if your Card account is closed by you or by us, or if your Cloud9 Account is terminated by you or by us (we will determine at our sole discretion what is a closed account or a terminated Cloud9 Account for this purpose). You may not be provided with notice of expiration or forfeiture of points. You are not entitled to compensation from us, or from any other entity, when your points expire or if they are forfeited for any reason. Despite our best efforts to ensure accuracy, printing errors occasionally occur. We reserve the right to correct such errors at any time even if it affects an existing order.

Rewards: The Cloud9 Program is administered by BreakAway Loyalty, a third party service provider. You can redeem earned points in your Cloud9 Account by logging into iSky® Online Banking, iSky Mobile®, the Cloud9 website at, or calling 1.800.669.8682. You can only acquire Rewards to the extent that you have the required number of points in your Cloud9 Account. You cannot combine points in one Cloud9 Account with points in another Cloud9 Account. All Rewards are subject to availability. Each Reward will be subject to terms and conditions specific to the Reward that will be provided to you in conjunction with the Reward. These terms and conditions may address such matters as anticipated shipping time for the Reward; the purchase or other requirements to obtain or use the Reward; any warranties for the Reward; or any other limitations or restrictions on obtaining, retaining or using the Reward. Neither we nor BreakAway Loyalty is liable to you if a Reward expires prior to your use of the Reward. An expired Reward will no longer be available for use or redemption. Certain Rewards (such as cash back) may require you to make a purchase at a merchant or take certain other action within a specified time period in order to obtain the Reward. The number of points required to obtain these Rewards will be deducted at the time of your redemption request and will be refunded to your Cloud9 Account in the event that you fail to make the purchase or take the other specified action within the required time period. Refer to the Reward’s terms and conditions for details. Many of the Rewards are certificates/gift cards that are redeemed at a participating merchant location. You and the merchant are responsible for compliance with all laws related to the Reward, including the payment and collection of any federal, state, or local taxes. Refer to the Reward’s terms and conditions for details.

Shipping: There is no shipping or handling fee for standard delivery of merchandise. Rewards generally will be sent to you within four weeks of placing your Rewards order. Shipping times may vary. Check the terms and conditions of the particular Reward for details. Rewards cannot be shipped to any address outside of the 50 United States or the District of Columbia, but can be shipped to APO/FPO addresses. Any merchandise Reward, if it has been damaged in transit, can be returned to the Cloud9 Administrator in its original packaging within ten (10) days of your receipt, in which event you will receive a full reinstatement of the points you redeemed to acquire the Reward. Call 1.800.669.8682 for return instructions. All non-merchandise Rewards (for example, gift cards and certificates) cannot be returned. Except as otherwise provided above in connection with merchandise damaged in transit, redeemed Rewards are not refundable, exchangeable, replaceable, redeemable, or transferable for cash, credit, other Rewards or points under any circumstances; we, BreakAway Loyalty, and participating merchants are not responsible for replacing lost, stolen, expired, or mutilated Rewards, including retail or travel certificates, gift certificates, gift cards, or merchandise. For a current list and description of the Rewards, as well as the number of points necessary to obtain each Reward, log into iSky Online Banking or iSky Mobile app and go to the Cloud9 page, visit, or call 1.800.669.8682.

You may also redeem your points for cash back in the form of a credit to your SkyOne Platinum Credit Card Account. Each point redeemed, subject to a $25 minimum, equals a one cent ($.01) credit issued to the SkyOne Account of your choice within 30 days from date of redemption.

Communications with Cloud9 Rewards Participants: We may communicate with you regarding any matter related to Cloud9 Rewards via mail, via telephone or via electronic communications. If you visit the Cloud9 website, either through iSky Online Banking, iSky Mobile, or, we may make electronic communications to you, including email and/or postings to the Cloud9 website. All electronic communications from us are deemed to be communications “in writing” and are deemed to be delivered no later than the earlier of the date actually received (or five days from the date of posting or dissemination). To access information electronically, you need a Windows or Mac-compatible computer, Internet access with a JavaScript enabled browser with 128-bit encryption (such as Microsoft Internet Explorer v. 9.0 or later or another compatible browser) and an email account. To retain copies of electronic communications, you need a printer attached to your computer or sufficient storage space on your disk drive to save an electronic copy. Additionally, you must have a password to access your information electronically or to conduct any activity online regarding your Cloud9 Account on the website. If you would like to request a paper copy of these terms and conditions, or to withdraw your consent to receive electronic communications, contact a Cloud9 Representative by telephone at 1.800.669.8682 or by U.S. mail at 1805 Old Alabama Rd., Suite 250, Roswell, GA 30076. If you use the Program website, either through iSky Online Banking, iSky Mobile, or, we are not obligated to provide any additional hard copy communications to you (other than these terms and conditions). We also reserve the right at our option to terminate your participation in the Cloud9 Program if you withdraw your consent to receive electronic communications regarding the Cloud9 Program. At your option, you may choose to receive information of a promotional nature about the Program. If you would like to change your consent to receive these promotions, please visit or call 1.800.669.8682 to update your Cloud9 Account profile. In addition, by enrolling in the Program, you authorize us and BreakAway Loyalty to use information related to your Program participation and your Cloud9 Account (and information provided by you to participate in the Program) to customize your Program experience. This may include communicating special offers and featured Rewards, and customizing the promotional information (if you choose to receive such promotions). Although features and applications permitting Program participation via mobile devices are not currently available, these convenient features may be available in the future. Such features and applications may include alerts and promotional offers provided via SMS or a downloadable application. If and when these features and applications are available, they will be subject to additional terms and conditions and minimum hardware, software and service requirements, which will be communicated to you prior to use. For example, to participate in an SMS-based service, you must maintain, at your own cost, a mobile device capable of sending and receiving text messages. Message and data rates may apply to each text message sent and received in connection with the feature. Please see your wireless provider to review your wireless plan details.

Canceling Program Participation: You may cancel your participation in the Program at any time by visiting the Program website at or by calling 1.800.669.8682. The positive point balance in your Cloud9 Account will be forfeited and cannot be transferred to another Cloud9 Account. Any negative point balance in your Cloud9 Account will carry over to any other Cloud9 Account set up later with the same Card.

Lost, Stolen or Damaged Cards: You will not lose the points in your Cloud9 Account if your enrolled Card is lost, stolen or damaged and we provide a replacement Card, even if such replacement Card has a different Card number. If your Card is lost or stolen, first call us at the telephone number provided in the Card Agreement, or call SkyOne directly at 1.800.421.7111, to report the loss or theft. When your replacement Card is reissued, your Cloud9 Account will automatically be linked to that new Card.
Member Service: If you have a problem or question regarding whether you earned points from a particular Qualifying Purchase, or want to know whether a Reward was properly redeemed or the status of your redemption order, or want to ask any other question regarding the Program, you can reach a Cloud9 Representative at, via telephone at 1.800.669.8682, or U.S. mail at 1805 Old Alabama Rd., Suite 250, Roswell, GA 30076. If you contact us regarding an error or mistake with respect to your Cloud9 Account, we will use reasonable efforts to investigate and correct the error or mistake, subject to the limitations set forth in these terms and conditions. In any event, you must notify us within 60 days of the posting date (or the date of the alleged error or mistake) in order for us to undertake an investigation of the matter. We may require you to provide written confirmation of the alleged error or mistake. If we do not receive the requested written confirmation at the address and within the time frame requested by us, we may at our sole discretion determine not to correct the alleged error or mistake. If we complete our investigation of the alleged error or mistake and notify you of our determination, we have no further responsibilities should you later reassert the same alleged error or mistake. All questions or disputes regarding the Program, including eligibility, earning points, or redemption of points for Rewards, will be resolved by us at our sole discretion.

Disclaimers and Limitations: Neither we nor BreakAway Loyalty are responsible for any disputes between or involving joint or linked cardholders or authorized users relating to points, redemption for Rewards, or use of Rewards. Rewards are provided by a variety of merchants. We and our service providers, including BreakAway Loyalty, are not responsible to you for the quality or performance of the Rewards or the products or merchandise purchased or obtained with the Rewards. You may be subject to additional terms and conditions, warranties or other requirements of the merchant, manufacturer or other Rewards provider. Neither we nor BreakAway Loyalty make any guarantee, warranty or representation of any kind, expressed or implied, with respect to the Rewards, including (but not limited to) warranties of merchantability or fitness for a particular purpose. We and BreakAway Loyalty are not liable for any injury, damage or loss to person or property or any expense, accident or inconvenience that may arise from the use of the points, or the use of the Rewards or products or merchandise purchased or obtained with the Rewards, or otherwise in connection with the Program. Further, we and BreakAway Loyalty are not responsible for merchants, manufacturers or other Rewards providers that discontinue or cancel a Reward due to bankruptcy or for any other reason. Neither we nor BreakAway Loyalty makes any representation or endorsement of any Reward, merchant or other provider of a Reward in connection with the Program. You hereby release and hold us, BreakAway Loyalty and all parties associated with the Program harmless from any claim, liability or damage relating to the Program or your use of the Rewards. Any Reward offered under this Program is void where prohibited by law. Notwithstanding anything in these terms and conditions to the contrary, we, BreakAway Loyalty and any of their service providers shall have no liability to you in connection with the Program.

Privacy: All information collected about you in connection with the Program is subject to our privacy policy, which you can access at
P.O. BOX 5003, HAWTHORNE, CA 90251-9801
(310) 491-7500 (Greater Los Angeles Area)
(800) 421-7111 (All Other Areas