This program is a loyalty program as well as a stored value program. Use of the card and/or participation in the program constitutes acceptance of all program rules:

1. Offer good at participating retail Finagle A Bagel bakery cafes.
2. The card is not redeemable for cash.
3. The card will not be replaced if lost or stolen or used without your permission.
4. All Frequent Finaglers will need to be registered to qualify for Finagle dollars and rewards.
5. For a limited time there is no cost to participate in the Frequent Finagler rewards program. There is no charge to participate when the card is used as a stored value card and an initial amount of $5.00 or more is placed on the card.
6. Purchases are required to earn points. Finagle dollars accrued during a transaction may only be redeemed on your next visit.
7. Card must be presented at the time of purchase to earn points and to redeem rewards.
8. No points will be issued retroactively.
9. You will earn one point for every dollar spent. Every time you use your Frequent Finagler card, your receipt will show the points credited to your account.
10. Points may be earned only by the Frequent Finagler cardholder who pays the check.
11. Points will not be issued on the sale of Gift cards.
12. When you obtain enough points to earn a reward (Finagle dollars), the reward will automatically be printed on your receipt. You do not need to present a receipt to receive a reward. Frequent Finagler card needs to be presented to redeem rewards or Finagle Dollars. Rewards are stored by the computer system and are automatically updated.
13. Rewards are non-transferable, not redeemable for cash, and must be redeemed for the selected items if specified.
14. Redeemed reward will be the lowest value item within the check if specified.
15. A maximum of 4 rewards may be redeemed during one visit.
16. Voided items will reduce the points by the voided amount until the point total reached 0.
17. Points cannot go negative.
18. Points cannot be transferred between cards.
19. Points will not be issued on tax paid.
20. If the program is experiencing technical difficulties, FAB is not responsible for points unable to be accrued or redeemed during this time.
21. Registered Frequent Finaglers will receive five Finagle dollars on their card after passing 50 points.
22. Each Finagle Dollar has the equivalent purchase power of $1.00 U.S. dollar at all participating FAB retail stores.
23. Not all FAB stores may participate in the Frequent Finagler program.
24. Finagle Dollars will expire 45 days after date of issuance. A maximum of 25 Finagle Dollars may be redeemed during a single visit.
25. All unregistered Frequent Finaglers may accrue points up to 200 points. These points will be converted to rewards when they register.
26. Occassionaly Promotions may be sent via email to registered members and will generally expire 30 days after issuance.
27. FAB is not responsible for lost, returned, misdirected, undeliverable email or other correspondence.
28. Finagle A Bagel can, at its discretion, modify or cancel the program rewards or substitute rewards of comparable value without notice.
29. Finagle A Bagel reserves the right to discontinue this program at any time. In the event that this program is discontinued, members will be allowed to redeem any rewards that they have already been issued, within the stated expiration date.
30. Finagle A Bagel reserves the right to discontinue membership privileges and void a member’s point balance and rewards if any unauthorized points are earned or redeemed, or if there is any unauthorized use of the program.
31. Employees of Finagle A Bagel and their immediate families are not eligible to participate.
32. Once money is placed on the card, it can never be redeemed for cash.
33. Cash cannot be transferred between cards.
34. A card cannot have a negative value. Any money needed beyond the amount on the card to pay for a purchase will require another form of payment to be made at the time of purchase.
35. Any returns or voids for items paid for with a stored value or gift card will have the amount returned directly to the card. No cash will be given.
36. Gift cards will expire after seven years from date of issue and any remaining dollar value will be voided or as required by law.
37. If the program is experiencing technical difficulties, gift card and stored value cards may not be able to be issued or redeemed.