Plant Your Change Disclosure

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Plant Your Change Offer Terms and Conditions

Offer is valid for new and existing Aspiration customers. Joint account owners are considered one customer for the purpose of the promotion. Customer must have the Plant Your Change feature turned on and use their Aspiration debit card to make qualifying transactions. Promotional payment is incremental and depends on the number of qualified transactions (“milestones”). Milestones are measured as follows: 30 trees planted - $5 payment, 100 trees planted - $10 payment ($15 cumulative), 500 trees planted - $25 payment ($40 cumulative), 1000 trees planted - $50 payment ($90 cumulative), 2500 trees planted - $100 payment ($190 cumulative), 5000 trees planted - $200 payment ($390 cumulative). Maximum $390 cumulative payment per customer. Starting on April 22nd, 2020, payments will be deposited into the customer's Spend & Save Account within one (1) business day after the customer reaches the respective tree planting milestone. Debit card transactions must fully settle before qualifying for Plant Your Change, which may take several business days. Payment for any milestone already reached via qualifying Plant Your Change transactions before 4/22/20 will be deposited on 4/22/20. If the customer's Spend & Save Account is closed prior to a milestone payment being made, the milestone payment is forfeited and will not be paid. All applicable account terms, fees, and charges are subject to change. Fraud or illegal activity may void rewards, retroactively reverse rewards, and may subject the account holder to legal action. This offer may be modified or withdrawn at any time and without notice. Customer Guidance

Eligible Transactions

All posted purchases made with your Card are Eligible Transactions subject to the limitations in this paragraph. Pending transactions, transactions for fees or interest charges that we charge you, returns, adjustments, and payments of existing Card balance are not Eligible Transactions. Transactions for cash equivalents such as money orders and prepaid gift cards, casino gaming chips, lottery tickets, and online gambling are also not Eligible Transactions. Transactions that are later reversed, for example, because you returned something you purchased, are not Eligible Transactions. Cash advances, including purchases of cash equivalents of any kind, balance transfers, convenience check amounts, purchases we believe to have been made by or for a commercial purpose, Card account fees, interest charges, credit insurance, gambling fees, credit protection, debt cancellation charges and unauthorized or fraudulent transactions do not qualify as Eligible Transactions. Any Card transaction conducted or effectuated while you are in default of the Cardholder Agreement does not qualify as Eligible Transactions, unless otherwise permitted by us. We reserve the right to determine, in our sole discretion, whether a particular transaction is an Eligible Transaction.

Qualifying Transactions

Any transaction that is not an even dollar transaction ($XX.00) are considered qualifying transactions and are eligible to be rounded up for this Service. Even dollar transactions ($XX.00) are not considered qualifying transactions and are not eligible to be rounded up for this Service.

Plant Your Change for the Aspiration Spend & Save Account:

The Aspiration Spend & Save Plant Your Change program is an optional service that rounds-up Eligible Transactions made on a daily basis (from $0.01 to $0.99), sweeps the round-up as a Service Fee to a Plant Your Change Service account, and plants one tree for every Eligible Transaction through a pre-selected tree-planting partner. Tree Planting is ongoing and occurs periodically. Learn more about our tree planting process.  

Plant Your Change for the Aspiration Zero Account:

Customers may earn tree planting Rewards through each of the following programs: (1) A Swipe for a Tree, (2) Plant Your Change, (3) Cash Back Rewards.

(1) A Swipe for a Tree

The Aspiration Rewards Program includes the "A Swipe for a Tree" program. Under A Swipe for a Tree, Aspiration will pay for the planting of one(1) tree for each Eligible Transaction you make with your Card.

(2) Plant Your Change

The Aspiration Zero Plant Your Change program is an optional service that rounds-up Eligible Transactions made on a daily basis (from $0.01 to $0.99), sweeps the round-up as a Service Fee to a Plant Your Change Service account, and plants one tree for every Eligible Transaction through a pre-selected tree-planting partner. Tree Planting is ongoing and occurs periodically.  Learn more about our tree planting process

(3) Cash Back Rewards Program

Cash Back Rewards can be allocated toward either planting trees at $1 per tree, or applied as a statement credit to reduce your credit balance. You can choose how your Cash Back Rewards are used through the Manage Rewards page of the Aspiration mobile application or website before the end of the payment period; otherwise the Cash Back Rewards will be split evenly between planting trees and credit statement rewards by default. Trees planted through Cash Back Rewards help reduce your carbon footprint, but are not counted toward the 60 trees that must be planted through the Plant Your Change and A Swipe for a Tree programs to be eligible for the 1% Reward.

Plant You Change for External Accounts:

Plant Your Change External is an additional and optional service provided by Aspiration that links external bank accounts to your Aspiration dashboard, tracks external transactions, calculates the amount needed to round-up a tracked external transaction to the nearest whole dollar (from $0.01 to $0.99), and deducts as the Plant Your Change Service Fee (Service Fee) the calculated amount from your valid payment source. The Service Fee(s) will be deducted from your chosen payment source on a rolling basis at intervals of ten completed, qualifying transactions.

Aspiration’s Plant Your Change Service then plants a tree through a tree-planting partner preselected by Aspiration for each completed external transaction. Tree Planting is ongoing and occurs periodically. Learn more about our tree planting process. Aspiration charges a variable Service Fee ranging from $0.01 up to a maximum of $0.99 per each Eligible transaction. The Plant Your Change Service Fee encompasses the cost of the tree through a tree-planting partner preselected by Aspiration, Aspiration’s costs in administering the Plant Your Change External Service (including marketing and maintenance), and Aspiration may retain, dependent upon the Plant Your Change Service Fee for a particular transaction, the remainder.

If a particular transaction has placed your Aspiration Spend Account in overdraft status, we do not implement the Service Fee for that transaction. If a linked transaction is subsequently canceled or reversed, the corresponding Plant Your Change Service Fee may remain as a debit to your account. The Plant Your Change External Service is not a securitized product or investment and participation in the service should not be considered an offer to purchase any security or investment. Aspiration may cancel or modify the Service at any time and without notice. Fraud or illegal activity may void participation, and may subject the account holder to legal action. Customer may cancel, pause, or limit the Service at any time. Customer may link or unlink external accounts to or from the Service at any time.

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