The PC Insiders program (“PC Insiders Program”) is a paid subscription program being offered on a pilot basis by President’s Choice Services Inc. (“PCSI”, “we”, “us” and “our”).
As part of a pilot, the PC Insiders Program is being offered to a select group of our customers who are also primary cardholders with a President's Choice Financial Mastercard® issued by President’s Choice Bank, in good standing, and any other individuals that we select who meet our eligibility criteria which we determine from time to time. The PC Insiders Program is for personal use only and cannot be assigned or otherwise transferred to another party. We reserve the right to change eligibility criteria for new subscribers, for subscribers upon subscription renewal and to limit the total number of subscribers in the PC Insiders Program at any time and for any reason.
A 12-month or annual subscription costs $99 (plus tax) ("Annual Subscription Fee") and a monthly subscription costs $9.99 (plus tax) (“Monthly Subscription Fee”). Any references to dollars are referenced in Canadian dollars. Your subscription period starts on the date we tell you that the benefits are available for you to use, and ends on that same date 12 months later for the annual subscription, and on the same date of the month, each month for the monthly subscription. In the case of the monthly subscription, depending on the number of days in a month, the date your subscription ends may vary but in no case will your monthly subscription period be less than 30 days. We can in our sole discretion change the Annual Subscription Fee and the Monthly Subscription Fee with appropriate notice; the new fees will apply to you on the renewal of your subscription. The Annual Subscription Fee and the Monthly Subscription Fee are non-refundable, even if you cancel your subscription or do not use any of the PC Insiders Program benefits.
You can cancel your subscription at any time. To cancel, you need to tell us at least five (5) days before the end of your subscription period and your subscription will continue until the end of your then current subscription term. To cancel your subscription, you can call 1-833-PC-INSID(ERS) (1-833-724-6743)
For President’s Choice Financial Mastercard cardholders, your Annual Subscription Fee and your Monthly Subscription Fee will be charged to your President’s Choice Financial Mastercard once you are enrolled in the PC Insiders Program.
At the end of your annual or your monthly PC Insiders Program subscription, whichever applies, your subscription will automatically renew for an additional term and the Annual Subscription Fee or the Monthly Subscription Fee for the renewal will be charged unless you cancel in accordance with the Terms and Conditions.
We can cancel and not renew your PC Insiders Program subscription if: you no longer meet our eligibility criteria; your membership in our loyalty program is terminated or cancelled; we believe you have abused any aspect of the PC Insiders Program, including purchasing merchandise for a purpose other than for your own personal use such as purchasing merchandise for commercial use, for resale or on behalf of a third party or you do not comply with the PC Insiders Terms and Conditions.
We can deduct any loyalty points credited to your account in connection with the PC Insiders Program benefits if we believe, acting reasonably, you have attempted to defraud us or our affiliates; abused any aspect of the PC Insiders Program or otherwise did not act in a good faith manner to earn such loyalty points.
As a PC Insiders Program subscriber, you have access to the following benefits during your current subscription period. The benefits are also subject to the terms and conditions of each benefits provider. To access certain benefits, you must use the same email address you use to sign in to your loyalty account to complete an eligible transaction, otherwise we will not be able to identify you and reward you with your benefit.
By subscribing to the PC Insiders Program, you consent to the sharing of information about you between us and President’s Choice Bank or other third parties for the purpose of facilitating your subscription enrollment and to administer and provide you the benefits offered under the PC Insiders Program. For example, President’s Choice Bank will share your mailing address with us so that we can deliver rewards to you from time to time and we will share information about you with third party benefit providers so they know that you are a subscriber in the PC Insiders Program and can facilitate the award of your benefits.
As a PC Insiders Program subscriber you can earn 200 points per dollar which is worth 20% of your eligible purchases up to the total maximum dollar value described below in the following categories:
> PC Organics branded products and Joe Fresh® branded products purchased at Loblaw banner stores, Joe Fresh stores in Canada and online at joefresh.com.
> Baby diapers and baby formula purchased at Loblaw banner stores.
Loblaw banner stores exclude Real Canadian Wholesale Club. Also excluded are Shoppers Drug Mart, Pharmaprix and T&T Supermarket.
In addition, you will earn 20X the regular PC Optimum points on all beautyBOUTIQUE.ca online orders. 20X PC Optimum points amounts to 200 points per dollar of your eligible purchase in addition to the regular 10 PC Optimum points per dollar earned for all purchases on a President's Choice Financial Mastercard.
Loyalty points earned through the PC Insiders Program are in addition to any other points you may be eligible to receive as a member of our loyalty program or through use of your President's Choice Financial Mastercard.
For all benefits where you can earn loyalty points under the PC Insiders Program, there is a total maximum of $10,000 per calendar month in eligible purchases across all categories described above where you can earn loyalty points through the PC Insiders Program. Eligible purchases in excess of the total maximum of $10,000 per calendar month will not earn loyalty points through the PC Insiders Program.
The points earned through the PC Insiders Program are calculated based on the price of the eligible purchases after any discounts and before taxes. We will first determine the total price of all eligible products purchased in a single transaction and calculate the points you have earned based on that total. Refer to www.pcfinancial.ca under the "Legal Stuff" section for the rounding rules related to points calculations.
Points will be awarded within two (2) weeks and will appear in your loyalty transaction list within the PC Optimum app and at pcoptimum.ca, described as "PC Insiders Subscription" points. These points will not appear on your sales receipt. The transaction date shown on your loyalty statement may not be the same as the date you made an eligible purchase and points shown on your loyalty statement may reflect multiple purchases in one award. If you get a refund on an eligible purchase, we will remove the loyalty points earned for the original purchase.
For eligible purchases made by authorized users of a President's Choice Financial Mastercard account, points earned through the PC Insiders Program will be awarded to the primary cardholder’s loyalty account.
With your PC Insiders Program subscription, Standard Ground Shipping within Canada is complimentary for your joefresh.com and beautyBOUTIQUE.ca online orders charged to your President's Choice Financial Mastercard. All shipping is subject to the terms of the applicable website, including limitations on delivery locations serviced by the applicable website. Any applicable charge for returns is not included in this benefit.
You’ll also pay no pickup fee for Click & Collect orders made at Loblaw banner Click & Collect websites.
In order for us to waive the shipping charges at joefresh.com and beautyBOUTIQUE.ca and to waive applicable Click & Collect pick up fee, you must use the same email address you use to sign in to your loyalty account when completing an eligible transaction, otherwise we will not be able to identify you and reward you with your benefit.
With an annual PC Insiders Program subscription, you can receive a credit of $99 when you make a single eligible travel purchase of $99 or more, booked through PC travel services at www.pctravel.ca and charged to your President's Choice Financial Mastercard. The travel credit can be redeemed once in your current PC Insiders Program annual subscription period. Not valid on prior bookings. The annual travel credit cannot be used for hotel-only bookings for less than a three-night stay and cannot be applied to travel insurance purchases.
To redeem your travel credit, you will need to use the same email address you use to sign in to your loyalty account when booking your eligible travel service. Travel credit will be treated as a means of paying or partially paying for travel services and an amount of up to $99 will be deducted from the purchase price of your eligible travel after taxes. Loyalty points are not earned on any portion of your travel booking that is paid with the travel credit.
The travel credit is not transferable. If you cancel your travel booking it cannot be used again in the same annual subscription period. No refunds, credits or rollover of any unused value of the travel credit. Credit must be used within each subscription year or is forfeited; there is no accumulation of travel credits from year to year. We reserve the right to reverse any travel credit that was not earned in accordance with these requirements.
At least twice per calendar year, we will make available a “surprise box” which may include items such as product samples to current subscribers. All items cannot be returned to store for refund, credit or exchange. All items subject to availability; no substitutions. We will determine the contents and timing of all surprise boxes, you must be a current subscriber at the time we make any surprise box available to receive this benefit
By participating in the PC Insiders Program, you agree to be bound by these Terms and Conditions. Your subscription is offered on a pilot basis by us and we reserve the right to change the Terms and Conditions including how many points you can earn on eligible transactions, the products that you must purchase to earn points or require maximum or minimum quantity or dollar value in purchases to receive certain benefits. If the change will not negatively impact you we can make it immediately and tell you about it later, otherwise, we will give you at least 30 days-notice before the change takes effect.
We reserve the right to terminate the PC Insiders Program, or any part of it at any time, on 30 days- notice to be sent to your email on file. We will return a prorated portion of your Annual Subscription Fee or your Monthly Subscription Fee for the days remaining in your subscription period if we terminate the program.
We reserve the right to immediately withdraw or temporarily or permanently change or suspend all or part of the PC Insiders Program in any way, in the event of a material error, omission, technical problem, computer virus or bugs, tampering, unauthorized intervention, fraud, technical failure or any other cause beyond our reasonable control that interferes with the safety and security of our systems, subscribers or the ongoing secure operation of the PC Insiders Program. Any attempt to deliberately damage any website or to undermine the legitimate operation of the PC Insiders Program in any way (as we may determine in our sole discretion) could be a violation of criminal or civil laws and should such an attempt be made, we reserve the right to seek remedies and damages to the fullest extent permitted by law.
If there are changes to the information you gave us when you subscribed for the PC Insiders Program, you must let us know immediately and give us your current information. We are not responsible if we cannot contact you or you cannot redeem your benefits because you have not given us current, accurate information.
We reserve the right to transfer the PC Insiders Program to a third party and assign your subscription to a third party. These Terms and Conditions will continue to apply in the event of such transfer or assignment.
To the extent permitted by law, we make no warranties or representations, either express or implied and expressly disclaim all liability (including for indirect or consequential damages) with respect to the benefits and the products or services purchased in relation to the PC Insiders Program. You agree to release and discharge us and our affiliates, and each of their respective officers, directors, agents, representatives, successors and assigns, from any loss, liability, claim, demand, damage or expense asserted by any person or entity relating in any way to the PC Insiders Program.
If we fail to exercise our rights under these Terms and Conditions, it will not be a waiver of our rights and it will not prevent us from exercising them later.
These Terms and Conditions are governed by the laws of the province of Ontario and the federal laws applicable in Ontario and the courts of Ontario shall have non-exclusive jurisdiction of all things related to these Terms and Conditions and the PC Insiders Program. You agree that the sole and exclusive forum and remedy for any and all disputes and claims that cannot be resolved informally and that relate in any way to or arise out of the PC Insiders Program, shall be final and binding arbitration, except to the extent that you have in any manner infringed upon or violated or threatened to infringe upon or violate any intellectual property right of us or our affiliates or subsidiaries or any third party, or any privacy or publicity rights, in which case you acknowledge that arbitration is not an adequate remedy at law and that injunctive or other appropriate relief may be sought by us, our affiliates or subsidiaries or the applicable third parties.
®/™ Trademarks of Loblaws Inc and/or its Affiliates. Used under license.
®/™ Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. President’s Choice Bank is a licensee of the marks.
Company address: President's Choice Services Inc., 1 President's Choice Circle, Brampton, Ontario L6Y 5S5
Mailing address: PC Insiders program, 25 York St., P.O. Box 201, 7th Floor, Toronto, ON, M5J 2V5
Phone Contact: 1-833-724-6743