United States - English
CAT® REWARDS TERMS AND CONDITIONS
Effective Date: March 2, 2026
1. Welcome to Cat® Rewards!
Welcome to Cat® Rewards f/k/a Cat Rewards (renamed on March 2, 2026). Your access or use at any time of the Cat® Rewards program (the “Program”) means you have agreed to be bound by and comply with the Program terms and all terms and conditions incorporated by reference (“collectively the “Terms”). Sponsor may, in its sole and absolute discretion, modify, cancel or amend, from time to time, the Terms by posting revised Terms to the Program website, www.cat.com/rewards (“Program Website”). Your continued participation in the Program after the revised Terms are posted to the Program website (or you receive notice of the change in some other way) will constitute your acceptance of those revised Terms. Your participation at any time in the Program is deemed your express consent to be bound by any revised Terms. These Terms supersede all previous terms and conditions applicable to legacy rewards or loyalty programs. Please read these Terms carefully. If you do not agree to the Terms, please do not participate in the Program. Participation is signified by initiating enrollment as instructed in these Terms (becoming a “Member” (as defined herein)), or, if Member’s enrollment is continuing from a prior enrollment event (auto-enrolled), or through application of Cat Credits in a purchase, or, if the Terms are revised, by not unenrolling by calling Customer Service at 1-877-373-9567. The Program is void where prohibited and subject to limitations as required by applicable law and the Terms. Membership in the Program and the awarding of Cat Credits is done in good faith, however, they may not be available if prohibited or restricted by applicable law.
These Terms expressly incorporate additional terms that apply to certain rewards that may be granted under the Program. Certain rewards or benefits may not be available, even if the applicable benefit or reward is not expressly identified as being excluded in these Terms. Please review the specific terms applying to particular rewards when they are made available.
2. THESE TERMS CONTAIN A MANDATORY ARBITRATION PROVISION, SET FORTH BELOW.
3. ENROLLMENT IN CAT REWARDS IS REQUIRED TO RECEIVE CAT CREDITS; SUNSETTING OF CAT CREDITS WITHOUT CAT REWARDS ENROLLMENT
As of March 2, 2026, subject to certain exceptions, the general rules of Cat Credits shall require a recipient’s enrollment in Cat Rewards prior to redemption. Cat Credits issued under earning programs such as a services commitment prepaid maintenance contract or a Caterpillar service recovery program embedded in an ongoing offering entered into prior to March 2, 2026 shall be accessible and redeemable in person at a Caterpillar dealer, with any online access and redemption requiring Cat Rewards enrollment after March 2, 2026.
Customers not wanting to participate in Cat Rewards should neither accept a Cat Credit award nor follow the path to enrollment. If a customer receives notice of a Cat Credit award and does not immediately join Cat Rewards, the Cat Credits award shall expire at the stated expiration date, regardless of date of acceptance or the date of enrollment in Cat Rewards.
On or about March 2, 2026, 100% of all Cat Rewards shall be auto-redeemed into Cat Credits. Cat Credits may be used on future purchases of parts, services, sales, work tools and rentals of Cat equipment purchases at participating Cat dealers, The Cat Rental Store and approved online retailers. Availability to use Cat Credits on Parts.cat.com and Cat Central varies by dealer. Visit https://www.cat.com/en_US/support/cat-credits-global.html for full details and rules governing Cat Credits (“Cat Credits Rules”).
- If Member is a Special Services Recipient under the Cat Commercial Account, all Cat Credits derived from an earnings opportunity other than Cat Commercial Account can be used in accordance with the Cat Credits Rules in the future.
- Cat Credits earned by a Special Services Recipient as a part of the Cat Commercial Account earning opportunity can only be redeemed as a Cat Commercial Account statement credit. Special Services Recipients should check their Cat Commercial Account statement for Cat Credits available to be applied as a Cat Commercial Account statement credit. Special Services Recipients will need to call Customer Service to request such application or to ascertain their balance of Cat Credits not restricted to a Cat Commercial Account statement credit redemption.
4. SPONSOR AND MEMBER
The sponsors of the Program are Caterpillar Inc., a Delaware corporation with its primary office located at 5205 N. O'Connor Boulevard, Suite 100, Irving, Texas 75039, its subsidiaries, and, in relation to the Cat Commercial Account earning opportunity, Caterpillar Financial Commercial Account Corporation (“CFCAC”) (Caterpillar Inc. and CFCAC are collectively referred to as “Sponsor”). As used in these Terms, the terms “we”, “us”, and “our” shall be deemed to mean Sponsor. The terms “Member”, “you”, and “your” mean eligible, registered Members of the Program as defined herein. More details about who is considered a Member are set forth below.
5. OVERVIEW OF CAT REWARDS
The Program is a trade rewards program through which Members can earn and accumulate reward credits (“Cat Credits”) on qualifying purchases, as defined in these Terms (“Qualifying Purchases”) and also accept awards of Cat Credits to make future, discounted, Program-compliant purchases as well as other loyalty rewarding benefits. Participation in the Program, and Cat Credits earned through the Program, may not be used for any personal, family, or household purposes. The Program offers the chance to earn Cat Credits in a variety of ways announced and promoted by Sponsor. The available ways to earn Cat Credits under Cat Rewards as well as the tier achievement criteria and any additional loyalty perks labeled as Cat Rewards are authorized at the sole discretion of Sponsor and may be modified at any time without notice and without revising these Terms. You are responsible for reading any documentation that we provide you related to the award of Cat Credits.
Cat Credits are earned by a business entity (“Member”). Once earned, Cat Credits will be credited into the Member’s Cat Credits balance (the “Cat Credits Balance). No person except for the Member may earn Cat Credits for their account.
Note:
- Cat Credits are promotional only and have no cash or monetary value and may not be used as legal tender.
- Cat Credits have no “real world” value and are not redeemable for cash.
- Cat Credits cannot be duplicated, sold, or bartered. Any attempted transfer, sale or barter will be void and Sponsor may refuse to honor any Cat Credits which Sponsor believes may have been inappropriately transferred, sold, or bartered.
- Cat Credits are not transferable (except as expressly provided in the Terms among members of an approved group of affiliates), or assignable for any reason, unless and to the extent required by applicable law.
- Cat Credits you earn are considered a limited, non-exclusive, revocable, non-assignable, and non-transferable right (except as expressly provided in the Terms among members of an approved group of affiliates) solely for use in accordance with the Program.
- Cat Credits have no purpose or use except as may be used in accordance with the Program.
- Sponsor may revoke Cat Credits at any time as set forth herein, subject to applicable law.
- Cat Credits are only valid if earned and awarded in strict compliance with the requirements as established and intended by Sponsor, and Member shall not attempt to earn Cat Credits by any artifice, or other means (including, without limitation, by using any script, bot, or other automated means) that only simulates compliance with the applicable requirements. Individuals can only serve as a Member Representative (see below) for one Member. A Member can be terminated from the Program if it violates Program terms and conditions or makes a misrepresentation about its eligibility or the nature of its purchases. Sponsor reserves the right, in its sole discretion, to take any other action it deems appropriate in the event it believes a Member may have violated these provisions.
6. ENROLLMENT, BECOMING A MEMBER, AND MANAGING CAT REWARDS
The Program is intended to reward Caterpillar customers and to provide Sponsor a means to express its appreciation for customers’ interest in the Caterpillar brand. Enrollment enables Members to participate in the Program through various earning opportunities. Enrollment follows a one-time, two-step process. Once fully enrolled, a Member can begin to earn Cat Credits under this Program or use Cat Credits awarded to them. You can only maintain one Member Account at a time. If you have multiple Member Accounts, you will only receive Cat Credits on one Account. Sponsor may cancel duplicate accounts.
Steps to enroll:
- Visit www.cat.com/rewards and provide complete registration information, including the identity and contact details for the Member Representative (see below).
- Following registration, your business entity will be enrolled by your primary Cat Dealer as a Member tied to the credentials of the Member Representative. There might be a delay while your primary Cat Dealer processes your enrollment and validates the membership. Once you have been approved by your Cat Dealer, Sponsor will provide you with a Cat Rewards account (“Cat Rewards Account”) and you will be ready to earn Cat Credits and survey your other program benefits. The Cat Rewards Account is tied to the Member Representative’s credentials.
- There is no cost to enroll in the Program.
- Members may experience a delay in earning Cat Credits under this Program, until they are validated by their Cat Dealer. Once validation has occurred, Members are fully enrolled and begin earning Cat Credits under this Program.
The Sponsor may also auto-enroll some customers in the Program. Auto-enrolled customers may be required to complete an additional registration process, which shall be deemed express agreement to these Terms, prior to earning and/or redeeming Cat Credits. For instance, Cat Commercial Account Accountholders are automatically enrolled in Cat Rewards and immediately start to earn Cat Credits, if eligible for a particular earnings offer. Eligible Cat Commercial Account Accountholders and Caterpillar Financial customers must provide certain information to participate, so that Cat Rewards can be administered. One of those requirements is a valid, contact email address for the business. If a Cat Commercial Account Accountholder or a Caterpillar Financial customer does not wish to provide the information required, they are advised not to participate.
7. ELIGIBILITY
Notwithstanding the eligibility rules below, a customer’s participation in the Program remains at the sole discretion of the Sponsor.
Subject to the exclusions described below, the Program is open to any of the following, which are not otherwise under an exclusion:
- Commercial customers of Caterpillar Inc., its dealers (“Cat Dealers”), or other vendors authorized under the Program with a company representative who is: (i) physically located and resides in the fifty (50) United States, or the District of Columbia, and (ii) 18 years old or older at the time of Member enrollment in the Program.
- Sole proprietors who are at least 18 years old.
NOTWITHSTANDING THE ABOVE, A MEMBER THAT IS A PART OF A LARGER GROUP OF COMPANIES UNDER COMMON CONTROL (E.G., A SUBSIDIARY OF ANOTHER ENTITY WHICH IS A MEMBER) SHALL ONLY BE PERMITTED ONE (1) ENROLLMENT AND ONE (1) MEMBER REPRESENTATIVE.
Additionally, membership in the program is limited to customers who:
- Reside in a jurisdiction that legally permits the Program.
- Provide valid and accurate information and documentation as requested as part of the Program.
- Are not already Members of the Program.
- Have not been previously terminated from the Program.
The following are not eligible to participate in the Program:
- Cat Dealers.
- U.S. Federal Government entities or federal public institutions.
- Members using the Program to acquire goods for resale – wholesale purchases are not Qualifying Purchases.
- Members using the Program to acquire goods for export.
- Members using (or that the Sponsor, in its sole discretion, believes may intend to use) the Program for any unlawful purpose or any purpose not in accordance with these Terms.
- Any person listed in any sanctions-related list of designated persons maintained by the U.S. Department of the Treasury, the U.S. Department of Commerce, the U.S. Department of State, or by the United Nations Security Council, Canada, the European Union, or any EU member state (or any similar list maintained by any country or jurisdiction), or any person owned or controlled by any such person or persons in aggregate.
8. PAYING AND EARNING WITH CAT® COMMERCIAL ACCOUNT F/K/A CAT COMMERCIAL ACCOUNT AND CAP ON EARNING OPPORTUNITY
The rewards program associated with Cat Commercial Account (such account having been renamed as of the Effective Date as “Cat® Commercial Account”), is an earning opportunity (described in detail below) under this Program and is incorporated into and governed by these Terms. Cat Commercial Account Accountholders (defined as those customers with an active Cat Commercial Account), that continue to access or use the Cat Commercial Account earning opportunity agree pursuant to that certain Customer Agreement for the Cat Commercial Account (the “Customer Agreement”) to be bound by and comply with these Terms. Your continued participation in the Cat Commercial Account earning opportunity is deemed your express consent to be bound by any revised Terms. Sixty days following the Effective Date, the earning opportunity for eligible Cat Commercial Account Accountholders is 1% rewards on all Qualifying Purchases made with Member’s Cat Commercial Account up to a cap of $10,000 total Cat Credits earned per Program Year (as defined herein). This earning opportunity, like all earning opportunities under the Program, is subject to modification, change through amendment or cancellation by Sponsor, at any time, without any notice by posting revised Terms to www.cat.com/rewards. The relevant earning date for applying the cap on earnings shall mean the date the Cat Credit earned under the 1% earning opportunity is posted to Member’s Cat Rewards Account.
Cat Commercial Account Accountholders eligible for the 1% earning opportunity are the following:
- Accountholders other than Members that are also Managed Account Customers
- Accountholders in good standing under their Cat Commercial Account Customer Agreement
Cat Credits awards, issued outside of Cat Rewards earning opportunities, such as those that might be offered by or earned in connection with a Caterpillar dealer offer will have terms and conditions and, if applicable, associated caps on the Cat Credits that can be earned. Owners of such programs will publish applicable rules. All Cat Credits, regardless of how acquired, are subject to the same Cat Credits Rules and may be redeemed with any Cat Rewards Participating Vendors that also accepts Cat Credits (this always includes participating Caterpillar dealers).
9. WHAT IS A PURCHASE THAT EARNS ELIGIBLE MEMBERS CAT CREDITS UNDER ANY PARTICULAR EARNING OFFER (“QUALIFYING PURCHASE”)?
Cat Credits may be earned on “Qualifying Purchases” made in accordance with these Terms and any additional rules associated with any particular earnings or award offer.
A. “Qualifying Purchases” Using Cat Commercial Account
“Qualifying Purchases” through use of a Cat Commercial Account are (i) those purchases of parts, work tools and attachments made through approved e-commerce sites; and (ii) those purchases of parts, service, work tools, attachments and rentals of Cat equipment made with a Cat Commercial Account at a Cat Dealer, The Cat Rental Store or other approved Cat Commercial Account vendor that participates in Cat Rewards (“Cat Rewards Participating Vendor”). New or used machine purchases are never Qualifying Purchases under the Cat Commercial Account, since the account cannot be used to purchase new or used machines. Purchases made for resale or export purposes are NOT Qualifying Purchases. Sponsor reserves the right to terminate any Member from the Program if it discovers that Member’s purchases are not Qualifying Purchases on account of Member’s intended use of the purchased goods, including purchases made for resale or export.
B. “Qualifying Purchases” Under Other Earnings Offers
“Qualifying Purchases” under other earnings offers are explained and announced in conjunction with publication of rules around any such offer and are purchases made at a Cat Rewards Participating Vendor or on an approved e-commerce site. These are communicated on the Program website.
Additional Information
- Please note, not all Cat Commercial Account accepting vendors are able to participate in Cat Rewards. For avoidance of doubt about the effect of Cat Rewards terms on a particular purchase, please contact Sponsor, the Cat Commercial Account accepting vendor or call Customer Service.
- Purchases from Cat Credits redeemed on approved e-commerce sites will contribute to Cat Credits earned by any Member while the Member is logged onto their Cat Rewards Account.
- Cat Credits earned under the Cat Commercial Account earning opportunity will accrue at the time of purchase.
- All Program benefits, including Cat Credits are subject to availability and may be changed at any time without notice.
- Purchases from Cat Credits redeemed on approved e-commerce sites will contribute to Cat Credits earned by any Member while the Member is logged onto their Cat Rewards Account.
C. Using Cat Credits
Cat Credits can be used to purchase parts, work tools and attachments, services or rentals that are considered a Qualifying Purchase for purposes of Cat Credit earning from use of the Cat Commercial Account. See the Cat Credits Rules for additional details. Cat Credits can always be redeemed at a Cat Rewards Participating Vendor.
Note that once Cat Credits have been redeemed, the transaction may not be able to be reversed.
10. TIERS, QUALIFYING SPEND, ALTERNATE QUALIFIER
In addition to the earnings offers for Cat Credits made available to eligible Members, Members are qualified into a rewards tier, annually, and have a chance to move into higher tier ranks throughout the Program Year (as defined below). The Cat Rewards program year runs January 1, through December 31 (the “Program Year”). During first quarter of each year, based on a review of qualifications achieved during the prior Program Year, eligible Members are slotted into one of four core tiers and receive a Cat Credits Tier Reward (as defined below):
- Bronze
- Silver
- Gold
- Platinum
The current options for entry to each Cat Rewards Tier are as follows:
Cat Rewards Tier |
Option 1: Qualifying Spend |
Option 2: Alternate Qualifier |
Bronze |
N/A |
N/A |
Silver |
$5,000 Qualifying Spend |
Cat Commercial Account Accountholder |
Gold |
$50,000 Qualifying Spend |
Buy or Qualifying Lease of 1 New Machine |
Platinum |
$100,000 Qualifying Spend |
Buy or Qualifying Lease of 3 New Machines |
For tier qualification purposes, the following definitions apply:
- “Qualifying Spend” shall mean all purchases by Member in a Program Year of parts and services from a Cat Dealer or an approved e-commerce site other than Customer Value Agreements and insurance services, EPP and ESC, plus (ii) purchases of New Machines purchased at a Cat Dealer. For clarity’s sake, purchases of work tools and attachments and rentals are not Qualifying Spend.
- “New Machines” for purposes of Cat Rewards shall mean an “Approved Type” Caterpillar machine in factory-new condition, sold directly by an authorized Cat dealer, with no prior usage and full manufacturer warranty. This definition necessarily excludes any machine previously owned, operated, or refurbished (classified as used or rental conversion). For purposes of this definition, an “Approved Type” machine shall mean all Caterpillar manufactured equipment with the exception of vocational trucks, generator sets, engines other than those in machines and work tools and attachments.
- A ”Qualifying Lease” shall mean a Caterpillar Financial operating or finance lease of a New Machine of no less than twelve (12) months duration.
Eligible members shall receive the Cat Rewards listed in the tier display maintained at the Program Website according to the rules set forth below (such awards called “Cat Credits Tier Rewards”). Awards of Cat Credits for Tier Rewards will never, as combined, exceed a total of $500 Cat Credits in a Program Year. The Cat Credits Tier Rewards, as of the time these Terms and Conditions are made effective, include the following:
Cat Rewards Tier |
Cat Credits Tier Rewards |
Bronze |
Access to members-only promotions |
Silver |
$125 Cat Credits |
Gold |
$250 Cat Credits* |
Platinum |
$500 Cat Credits* |
Joining Cat Rewards and Initial Tier Rewards
Customers who first join Cat Rewards at the time of a Qualifying Spend event or achievement of an Alternate Qualifier (see tier description chart above) will be placed in the tier corresponding to the immediate qualifying event(s) on the same day or following their application for Cat Rewards membership. Spend and purchases or events prior to the application for membership are not counted in establishing tier status, except that Cat Commercial Account Accountholders meet eligibility for Silver tier placement by virtue of their holding a Cat Commercial Account. New Machines purchases made simultaneously with joining Cat Rewards will be credited towards Cat Rewards tier status.
Annual Cat Credits Tier Rewards and Calculating Tier Rewards Formulas*
As previously stated above, the Cat Rewards program year runs January 1, through December 31 (the “Program Year”). During first quarter of each year, based on a review of qualifications achieved during the prior Program Year, eligible Members are slotted into one of four core tiers and receive a Cat Credits anniversary award corresponding to their tier status. This award is referred to as the “Cat Credits Tier Reward”. If, during the Program Year, a Member moves up a tier from the tier they were given at the start of the Program Year, then the Member will be awarded the difference between the total of the Cat Credits Tier Rewards received up to that date in the current Program Year and their anniversary award, such amount capped at $500 in Cat Credits Tier Rewards for the Program Year.
For example:
Example 1:
- Company A is qualified as Silver for the prior year and receives $125 Cat Credits Tier Rewards in March of the Program Year, in honor of their prior year loyalty.
- In February of the same Program Year, Company A purchased a New Machine and becomes entitled to a Gold tier status for that current Program Year. Gold level is slotted to receive $250 Cat Credits as a Tier Reward, but using the formula capping awards, Company A will only receive $125 of additional Cat Credits Tier Rewards at that time. At that point, Company A will have received $250 total Cat Credits Tier Rewards in the current Program Year
- In November of the same Program Year, Company A purchases 3 New Machines and levels up to Platinum. Company A receives $250 in Cat Credits Tier Rewards, since it cannot earn more than $500 Cat Credits Tier Rewards in a Program Year and $500 (the Platinum Cat Credits Tier Reward) minus $250 Cat Credits Tier Rewards (prior received Cat Credits Tier Rewards) = $250 in Cat Credits Tier Rewards to be awarded in following the purchases in November.
Example 2:
- Company A is qualified as Platinum for the prior year and receives $500 Cat Credits Tier Rewards in March of the Program Year.
- Company A buys 3 New Machines during the Program Year.
- While Company A does not receive any additional Cat Credits Tier Rewards during the Program Year, it will qualify for Platinum level Cat Credits Tier Rewards delivered in the next Program Year.
Leveling up during a Program Year:
Members can level up during a Program Year to a new tier, once they achieve a next tier qualifier. Members who are invited into a Managed Account program are not eligible for the Bronze, Silver, Gold, Platinum tier awards.
11. WAYS TO EARN AND LINK TO CURRENT EARNINGS OFFER(S)
A. Cat Credits will be earned in accordance with the current earnings offer(s) found at www.cat.com/rewards. All earnings offers are subject to change in accordance with Sponsor’s discretion in managing the Program. As of the effective date of these Terms, the Cat Commercial Account earning opportunity is described as follows:
The Cat Commercial Account earning opportunity, offers Members the chance to earn Cat Credits on Qualifying Purchases made with a Cat Commercial Account (see above). Not all Cat Commercial Account vendors participate in Cat Rewards, even if they accept a Cat Commercial Account as payment. Additional terms and restrictions surrounding the Cat Commercial Account earning opportunity are provided herein.
All Cat Credits accrue based on local currency spend. Sponsor may change earning opportunities, earning rates, Qualifying Purchases, and eligible program vendors at any time by posting the change on the Program website (or by providing notice through other appropriate means). For the avoidance of doubt, such changes do not require a revision to these Terms.
From time to time, Sponsor might offer additional opportunities to earn Cat Credits at rates different than the core percent of total spend formula or the earning opportunities listed above. Special promotional opportunities might also be announced. It is possible for a Member to be eligible for one or more promotional earning opportunities under this Program. An advantage of being fully enrolled and eligible for all earning opportunities is that a Member could sometimes earn Cat Credits in more than one way for the same Qualifying Purchase (note that definitions of “Qualifying Purchase” may vary among earning opportunities). See rules for earning opportunities for exact rules around “stacking” of earning opportunities.
12. COMBINING AND TRANSFERRING CAT CREDITS
Members may not combine, aggregate, or transfer Cat Credits with other Members (e.g., Members may not agree to combine their Cat Credits). In accordance with the eligibility rules, a group of companies under common control (e.g., subsidiary of a parent) are enrolled as one Member and all Qualifying Spend and Cat Credits totals etc., are reported under that single Member’s Rewards Account. Sponsor may cancel any Cat Credits that Sponsor deems, in its sole discretion, to have been improperly transferred or combined.
Members cannot purchase, sell, barter, trade, transfer, or assign their Cat Credits to any other person(s) or business entity, except and unless Member is sharing the Cat Credits among the member companies in the Member’s group, if any, or if Member prequalifies each of no more than two affiliate, Member companies as a “Transfer Approved Affiliate” (see below). Transfers of Cat Credits can occur among Transfer Approved Affiliates for use by receiving affiliates in accordance with Cat Credits rules. Qualifying Spend, purchases that qualify to be counted in a customer’s total for tier evaluation under Cat Rewards, among Transferred Approved Affiliates are not combined. Transfers can only be completed between a Member and a Transfer Approved Affiliate who is good standing and has maintained an open Account for at least thirty (30) days.
Up to three transfers a year are permitted by Member among Transfer Approved Affiliates.
Members shall call Customer Service to arrange a transfer, which are not immediate. Once a transfer has been received by Sponsor and processed, the Member relinquishes their rights to the transferred Cat Credits and they become the Transfer Approved Affiliate’s Cat Credits.
Sponsor reserves the right to deny, cancel, or terminate the ability for a Member to transfer to a Transfer Approved Affiliate at any time.
For the purposes of this Section, “Transferred Approved Affiliates” means companies that are each a standalone Member but are under common control (such as special purpose project oriented companies owned by a common parent).
13. ADDITIONAL RULES FOR MANAGED ACCOUNT CUSTOMERS AND SPECIAL SERVICES RECIPIENTS
Some Members, while eligible to participate, are subject to additional rules. Those Members are:
A. “Managed Account Customers” are customers of Caterpillar who have a special managed account relationship with one or more of Caterpillar Inc.’s industry support groups. For more information, please contact your Caterpillar representative. If a Managed Account Customer is also a Special Services Recipient, the Managed Account Customer status governs for application of the rules around the 1% Cat Commercial Account earnings opportunity.
B. “Special Services Recipients” are Cat Commercial Account Accountholders which have engaged CFCAC to assist with their complex billing needs, including:
Creation of customized statements
- Creation of account set ups to mirror Cat Commercial Account Accountholder’s customers’ billing needs
- Assisting Cat Commercial Account Accountholders with dispute resolutions with their customers
- Meeting special reporting needs
A customer’s relationship with Caterpillar typically grows over time, as their business grows, opening up commercial benefits outside of the Cat Rewards program. A change in a Member’s commercial status with Caterpillar triggers additional rules under this Program. These additional rules are:
A. Special Services Recipients may only apply Cat Credits earned under the 1% earning opportunity of Cat Commercial Account to the balance owed on their Cat Commercial Account. Those use-restricted Cat Credits appear in the Member’s Cat Credits Balance and Member must initiate their application to the Cat Commercial Account statement balance. Cat Credits earned in other ways by Special Services Recipients are unrestricted.
B. Managed Account Customers are eligible for enrollment in Cat Rewards but not the earning opportunity of 1% Cat Credits for Cat Commercial Account spend or Bronze, Silver, Gold or Platinum tier Cat Rewards, regardless of their achievement of any published tier criteria. Rather, Managed Account Customers are notified of their special benefits by invitation. Some of the benefits in the invitation-only program may overlap with the rewards granted in the core Cat Rewards program. Managed Account Customers who have acquired Cat Credits through means outside of these unavailable earning opportunities may use such Cat Credits in accordance with the rules governing Cat Credits.
If a Member becomes a Special Services Recipient or a Managed Account Customer, after previous participation without such status, such Member becomes immediately subject to the exclusions and limitations of such status. Any rewards other than Cat Credits awarded to a Managed Account Member during any period preceding their period of Managed Account status shall be forfeited at the time of transfer into Managed Account status.
14. SPENDING CAT CREDITS
You may use Cat Credits in accordance with their terms to obtain various products and services made available through the Program from time to time. Terms and conditions for use will also be set forth in the Additional Terms (as defined in Section 19). Rewards may vary and be subject to change.
The number of Cat Credits required to receive certain goods or services in exchange for their use may vary at any time and may be updated continuously. You are responsible for ensuring that you can appropriately use your Cat Credits in connection with a particular transaction. The redemption of Cat Credits is subject to availability of the goods or services being acquired at the time of redemption.
15. CAT CREDITS EXPIRATION
Cat Credits expire on the date set forth as stated in the message announcing the award received. Cat Credits awarded in connection with the Cat Commercial Account earnings opportunity expire two (2) years from the date of issuance. Cat Credits, regardless of how generated, must be redeemed no later than 4 p.m. (CST) on the applicable Cat Credit expiration date. Any unused Cat Credits will be forfeited.
16. RETURNS / NEGATIVE BALANCE
If a Member returns goods for which earned Cat Credits under this Program were awarded, then the Cat Credits earned on the original Qualifying Purchase will be subtracted from the Member’s Cat Credits Balance. Members whose Cat Credits Balance is in a negative status will carry that status forward until they have made additional Qualifying Purchases and earned their Cat Credits Balance into a positive status.
17. DESIGNATION OF A MEMBER REPRESENTATIVE:
The Sponsor will designate, for each Member, a single individual to be the “Member Representative.” You may request that a particular individual be designated as the Member Representative. Member Representatives can, in turn, designate delegates to use Cat Credits (“Cat Rewards Delegates”). Cat Rewards Delegates do not necessarily have authorized user status under the Cat Commercial Account. For Members with a Cat Commercial Account, the Member Representative will by default be the first listed account authorized user, as defined in their Customer Agreement, on their Cat Commercial Account. For Members joining through a different product agreement with Caterpillar Financial, the Member Representative will by default be the “primary contact” designated by the Caterpillar customer in the transaction which initiates auto-enrollment in Cat Rewards. The Sponsor (or the Sponsor’s designee) may communicate with you regarding the Program through the Member Representative. Any notice or information relating to the Program that the Sponsor provides to the Member Representative shall be deemed to have been provided to you, and the Sponsor may rely, for purposes of Program administration, on any information that the Member Representative provides to Sponsor or Sponsor’s designee. You will be bound by any orders or instructions relating to the Program (including redemption transactions) given to Sponsor (directly or indirectly) by the Member Representative. Such Member Representative shall be required to have active and valid account credentials, acquisition of which is a part of the enrollment process. Upon proper completion of the enrollment process, each eligible Member will be assigned a Cat Rewards Account. The Member, not the Member Representative nor any Cat Rewards Delegate, shall be deemed the sole owner of its Cat Rewards Account..
Any Cat Rewards Account may be accessible by the Member’s Cat Rewards Delegates and Cat Rewards Delegates can take action to earn Cat Credits on behalf of the Member. Only the Member Representative and Cat Rewards Delegates qualify to make online purchases and may use Cat Credits at checkout on approved e-commerce sites. Cat Rewards Delegates are designated by the Member Representative and qualified in accordance with the enrollment instructions and each Cat Rewards Delegate will have to provide similar details to those provided by a Member Representative.
The Member Representative will have responsibility for, among other things, managing rewards, including Cat Credits, on behalf of the Member. These Member Representative functions can be completed by following the instructions on the Program website or by contacting the Sponsor through the contact information provided on the Program website. In connection with the Cat Rewards Account, Member, through its Member Representative, agrees to: (i) provide true, accurate, current, and complete information in connection with the Cat Rewards Account (and the Cat Credits showing in the account) and, as permitted, to maintain and update it continuously and promptly to keep it accurate, current, and complete at all times; (ii) be solely responsible for all activities that occur under the Member’s Cat Rewards Account; (iii) be solely responsible for maintaining the confidentiality of the Cat Rewards Account access information and for restricting access to computers, mobile phones or other wireless Devices (as defined below), or other Internet enabled Devices associated with such Cat Rewards Account so that others may not access the Program or the Cat Rewards Account unless authorized; (iv) immediately notify Customer Service of any unauthorized use of the Cat Rewards Account, password, or Member Representative credentials, or any other breach of security by contacting us using the contact information provided on the Program website; and (v) not sell, transfer, or assign the Cat Rewards Account. If Member Representative becomes disassociated with Member, Member will promptly notify Sponsor and designate a new Member Representative. Sponsor has the right to terminate the Member Representative’s registration for such role. We will not be liable for any loss or damage (of any kind and under any legal theory) to Member or any third party arising from inability or failure for any reason to comply with any of the foregoing obligations.
18. DATA PRIVACY; STATE SPECIFIC NOTICES
Any information Members provide to us in connection with this Program, or any contest, sweepstakes, other promotion, or offer or recognition associated with this Program, is subject to Sponsor’s Global Data Privacy Statement and Data Governance Statement https://www.caterpillar.com/dataprivacy and https://www.caterpillar.com/en/legal-notices/data-governance-statement.html. Additional notices are set forth below.
California Notice of Financial Incentive and Collection of Personal Information
If you think you are entitled to protection under California law, you should note that the Program requires Caterpillar collect certain categories of personal information to provide the Program’s benefits. This information includes Contact Information (such as name, email, and phone number), Dealer Information (identifying the specific authorized dealers where a Member frequently shops), Transaction Information (details regarding purchases and order history), Behavioral Data (how, when, and where Members earn and spend rewards), and Communications (records of interactions). Caterpillar utilizes this personal information to administer accounts, fulfill reward redemptions, understand engagement with the Program, and for internal business purposes, including improving products and services, performing quality control, and conducting research. The Program provides the opportunity to earn credits on a credit system where, subject to the additional terms and conditions of these Terms, we have made a good faith estimate that each credit earned under the Cat Commercial Account earning opportunity is equal to $0.01 in value toward future purchases or redemptions prior to their expiration (at which point, the value of the credit is $0.00). You may have California rights associated to personal information provided under the Program.
Further, the information Members provide may be shared between the Sponsor, Cat Dealers and any of their authorized representatives to assist with the delivery or administering of this Program or as otherwise permitted by law.
19. ADDITIONAL TERMS
Each time you access and/or use the Program, you agree to be bound by and comply with these Terms and any Additional Terms (defined below). If you do not agree to these Terms, you are prohibited from participating in the Program. Sponsor reserves the right to terminate the Program or the Member’s participation in the Program at any time, subject to applicable law. In some instances, these Terms and separate guidelines, conditions, rules, or terms of service, setting forth additional or different terms and/or conditions will apply to your use of the Program (in each such instance, and collectively, “Additional Terms”). For example, Members who participate in Cat Commercial Account earnings opportunity have Additional Terms specifically governing the use of the Cat Commercial Account to generate Cat Credits, including eligibility, and any special promotions that might arise under the Cat Commercial Account earning opportunity. Eligible Cat Commercial Account Accountholders are automatically enrolled in this Program at the time of account opening.
IMPORTANT NOTICE: Members have the responsibility to review and understand applicable government policies and/or their employer’s policies (“policies”) and all applicable laws, rules, and regulations (“laws”) regarding eligibility to participate in trade promotions, including this Program. If a Member is participating in violation of any policies or laws, that Member will be disqualified from this Program. Sponsor disclaims any and all liability and responsibility related to this matter.
20. AGREEMENT TO ARBITRATION/DISPUTES
All disputes with respect to Cat Credits accruals, earnings, or redemptions (“Cat Credits Transaction”) (e.g., you dispute whether you received the proper amount of Cat Credits under a specific transaction) will be governed by this paragraph. If you wish to dispute a Cat Credits Transaction, you must do so by providing notice to us within thirty (30) days from the date on which the transaction posts to your Cat Rewards Account. Your notice must: (i) clearly indicate that you are disputing a Cat Credits Transaction (not, for example, just requesting additional information); (ii) describe the basis for your dispute in reasonable detail; and (iii) supply all documents and other materials and information supporting the basis of your dispute. Once you have notified us of the disputed transaction and provided us with all the information and materials required by the preceding sentence (as well as any additional information or materials that we request after receiving your notice), we will investigate the validity of the Cat Credits Transaction. This may include contacting any vendor identified with such transaction, and that vendor will, within a reasonable time, supply us with information validating the transaction. You agree that we may share with said vendor all the documents and other materials and information you provided to us. You agree to provide any information reasonably requested and cooperate and respond to the vendor or us to resolve the dispute. We have the right, but not the obligation, to investigate and discuss the matter with both parties without the presence of the other party and, after such investigation to decide as to whether the Cat Credits Transaction is valid. In the event we determine the transaction is valid, you agree to abide by the result and, if you are not in agreement with the outcome of the inquiry, you can withdraw from the Program. The Program dispute resolution otherwise is governed by the applicable provisions of your Customer Agreement, in the case of disputes under the Cat Commercial Account earnings opportunity, or by the following arbitration provision, in the case of all other transactions under the Cat Rewards Program.
Subject to the foregoing paragraph, as a condition of participating in this Program, Members agree that any and all issues and questions concerning the construction, validity, interpretation and enforceability of these Terms, Member’s rights and obligations, or the rights and obligations of the Sponsor in connection with the Program, and any other disputes that cannot be informally resolved between the parties arising out of or connected with this Program, or any element thereof, shall be resolved individually, without claim or resort to any form of class action, exclusively before a neutral one person binding arbitration panel located in the State of Delaware in the United States of America; provided, however, the Sponsor shall be entitled to seek injunctive or equitable relief in the state and federal courts in the State of Delaware in the United States of America. The arbitration shall be binding and conducted through the American Arbitration Association (“AAA”) or any other mutually agreeable arbitration administration service. The arbitrator shall have exclusive authority to resolve any dispute relating to the interpretation, applicability, enforceability, or formation of this arbitration agreement. The arbitrator shall facilitate discovery but only one (1) deposition shall be permitted per party unless otherwise agreed. Within thirty (30) days of selecting the arbitrator, the filing party shall provide copies of all evidence in its possession that supports its demand. Within thirty (30) days of receipt of such information, the receiving party shall produce all evidence that supports its defense. The arbitration must be completed through the rendering of award within six (6) months of selection of the arbitrator. The hearing shall be no longer than three (3) consecutive business days equally divided between the parties. The arbitrator may award monetary damages only and may not include any exemplary or punitive damages. If an in-person hearing is required, then it will take place in Peoria, Illinois; provided, however, if none of these locations are convenient for the hearing, the parties may mutually agree on an alternative location. Federal and Delaware state law will govern this Program, regardless of conflict of laws. Disputes will be arbitrated only on an individual basis and will not be consolidated with any other proceedings that involve any claims or controversy of another party, including any class actions. To the maximum extent permitted by law, the class‑action waiver shall be severable from the arbitration agreement, and the arbitration agreement shall otherwise remain enforceable. The administrative and arbitrator’s fees shall be shared evenly between the parties. Either party may, notwithstanding this provision, bring qualifying claims in small claims court.
21. PROGRAM PERIOD AND DEVICE REQUIREMENT
The clock on the Sponsor’s server shall be the official time keeping device for this Program. All time referenced in connection with the Program is Central Time. Members are solely responsible for determining the corresponding time zone in their respective jurisdictions; Program Entities (defined below) disclaim all liability or responsibility relating thereto.
To enroll in and use the Program, Members must have a device that is capable of accessing the Internet (all of Member’s devices associated with the Program are referred to individually and collectively as a “Device”). Messaging & data rates apply to Internet access via mobile devices. Other charges may apply; check your mobile plan for rates/details. Consent is not a condition of purchase.
Members are responsible for obtaining and maintaining all Devices and other equipment and software, and all Internet service providers, mobile service, and other services needed for Member’s access to and use of the Program and Members will be responsible for all charges related to them. Sponsor shall not have any responsibility or liability for any failures, issues, and/or errors caused by (i) the Member, the Member’s Representative, or any of their Authorized Users, (ii) any of their Devices or Internet connection(s), and/or (iii) their service provider(s).
22. MODIFICATIONS OF TERMS AND CONDITIONS AND DISCRETION TO TERMINATE PROGRAM
EACH TIME YOU SIGN INTO OR OTHERWISE USE THE PROGRAM YOU ARE ENTERING INTO A NEW AGREEMENT WITH US ON THE THEN APPLICABLE TERMS AND CONDITIONS (EVEN IF THOSE UPDATED TERMS AND CONDITIONS AFFECTED YOUR CAT CREDITS OR OTHER REWARDS) AND YOU AGREE THAT WE MAY NOTIFY YOU OF OTHER TERMS BY POSTING THEM ON THE PROGRAM WEBSITE (OR IN ANY OTHER REASONABLE MANNER OF NOTICE WHICH WE ELECT), AND THAT YOUR CONTINUED PARTICIPATION IN THE PROGRAM AFTER SUCH NOTICE CONSTITUTES YOUR EXPRESS AGREEMENT TO THE REVISED TERMS. IN ACCUMULATNG CAT CREDITS, YOU SHOULD NOT RELY ON THE CONTINUED AVAILABILITY OF CAT CREDITS. Therefore, you should review the posted Terms each time you use the Program (at least prior to each transaction, submission, or activity). The revised Terms will be effective as to new use and transactions as of the time that we post them or such later date as may be specified. However, the Terms that applied when you previously used the Program will continue to apply to such prior use (i.e., changes and additions are prospective only) unless mutually agreed. You can reject any new, revised, or Additional Terms by discontinuing participation in the Program and related services.
You may cancel your membership in the Program at any time by calling Customer Service. Any unredeemed Cat Credits and your membership tier will be forfeited at the time of termination and may not be reinstated.
To the extent permitted by applicable law, Sponsor may cancel accumulated Cat Credits, suspend the Program, suspend your tier status, or cancel your membership in the Program at any time without notice for any reason in Sponsor’s sole discretion. For the avoidance of doubt and without limiting the foregoing, the Sponsor can suspend or terminate you Cat Credits or your membership in the Program if Sponsor believes: (i) you have violated applicable law; (ii) you have breached any financial obligation to Sponsor or a; (iii) you breached or otherwise violated these Terms or any other Agreement with Sponsor or Caterpillar; (iv) you have fraudulently claimed or used any Cat Credit or Program benefits; or (v) subject to applicable law, you have filed for bankruptcy or are otherwise subject to a bankruptcy proceeding. If Sponsor terminates your Account for any reason, you may not be able to reapply for membership and your ability to reapply for membership will be in Sponsor’s sole discretion.
Upon the cancellation of membership in the Program or termination of the Program for any reason, all unredeemed Cat Credits and other rewards will be forfeited. Cat Credits have no cash value and Sponsor will not compensate or pay cash for any forfeited or unused Cat Credits.
Sponsor reserves the right to terminate the Program at any time in its sole discretion without advance notice to you unless notice is required by applicable law. You may not continue to accumulate Cat Credits or benefits under the Program after the Program has been terminated.
23. COMMUNICATIONS, NOTICES AND CUSTOMER SERVICE
By signing-up for the Program, Members agree that: (i) we may give you notices of important matters by prominently posting notice on the home page of the Program or in another reasonable manner we determine in our sole discretion; and (ii) we may contact you and send you communications by postal mail, text and e-mail at the addresses provided for the Cat Rewards Account. These communications may include notifications and/or announcements about the benefits of the Program and Members consent to receive these communications from us even if previously indicated that it no longer wanted to receive communications from us. Participation in the Program serves as express agreement to receive these communications from us.
Members may prospectively elect to receive certain categories of email communications relating to the Program by following the instructions contained within such emails. Such changes will only impact our email communications to the extent designated.
By participating in the Program, you agree to receive communications about the Program and you agree that the email address you provide to us to register can be used to communicate about the Program and facilitate enrollment and redemption, including delivery of Cat® Credits and other rewards. If you register a mobile number with us to receive SMS or text messages about the Program, you agree that we can call or message you at that number in relation to the Program for its administration and/or to communicate with you about Terms, including additions or changes affecting earning opportunities or rewards. Please be aware that message and data rates may apply to such SMS or text messages, and you can opt-out of receiving certain messages at any time.
Members agree to keep all information associated with their Cat Rewards Account current, complete, accurate and truthful and to promptly update the Cat Rewards Account accordingly.
Any questions regarding using the Program, may be submitted by contacting us at Customer Service. You acknowledge that the provision of customer support is at our sole discretion and that we have no obligation to provide you with customer support of any kind, except as specifically provided in these Terms or as required by law. Your totals for your Cat Credits Balance, at times, might not reflect the most up to date information. If you have any questions about the information in your Cat Rewards Account or Cat Credits Balance, please contact us.
24. DISCLAIMER OF WARRANTIES; LIMITATION OF LIABILITY
Sponsor makes no warranties or representations, either expressed or implied, with respect to type, quality or fitness of goods or services provided through the Rewards Program or by any Dealer.
Sponsor is not responsible for: (a) any loss or misdirection of, or delay in receiving, any application, correspondence, redemption requests, Rewards Program benefits; (b) theft or unauthorized redemption of Cat Credits; (c) any acts or omissions of third parties (including, without limitation, Dealers); or (d) any errors published in relation to the Rewards Program, including, without limitation, any pricing or typographical errors, errors of description, errors regarding Dealers, and errors in the crediting or debiting of Cat Credits. Sponsor reserves the right to correct, without notice, any errors, including the improper crediting of a Cat Credit or other benefit that did not meet the eligibility requirements.
You agree that in no event shall Sponsor be liable under this Agreement to you or any third party for any claims, causes of action, demands, losses, liabilities and/or damages of any kind whatsoever existing now or arising in the future, as well as any consequential, indirect, incidental, exemplary, special, and/or punitive damages whatsoever, including any damages for business interruption, loss of use, revenue or profit, cost of capital, loss of business opportunity, loss of goodwill, whether arising out of breach of contract, tort (including negligence) any other theory of liability, or otherwise, regardless of whether such damages were foreseeable and whether or not Sponsor was advised of the possibility of such damages arising out of or in connection with your participation in, or denial or termination from, the Program. You agree that in no event shall any actual or potential breach by Sponsor under this Agreement constitute irreparable harm and agree that you shall not make any claim for, or seek, injunctive relief.
25. INDEMNITY
In exchange for the right to participate in the Program, Members agree to indemnify, defend (at our option) and hold us harmless from and against any and all threatened or actual damages, losses, liabilities, claims, costs, investigations, judgments, fines, penalties, settlements, interest, expenses or demands, including, but not limited to, personal injury, death, or damage to or loss of property, that directly or indirectly arise from or are related to: (i) Member’s access to and use of the Program and his/her activities in connection with the Program; (ii) Member’s breach or anticipatory breach of these Terms or any Additional Terms in whole or in part; (iii) Member’s violation or anticipatory violation of any laws, rules, regulations, codes, statutes, ordinances, or orders of any governmental or quasi-governmental authorities in connection with Member’s use of the Program or Member’s activities in connection with the Program website and the Program; (iv) information or material transmitted by Member or through a Member’s Device, even if not submitted by Member, that infringes, violates, or misappropriates any copyright, trademark, trade secret, trade dress, patent, publicity, privacy, or other right of any person or entity; (v) any misrepresentation made by Members; and (vi) our use of the information that Member’s submit to us (all of the foregoing, “Claims and Losses”). Members will cooperate as fully required by us in the defense of any Claims and Losses. Notwithstanding the foregoing, we retain the exclusive right to settle, compromise, and pay any and all Claims and Losses. We reserve the right to assume the exclusive defense and control of any Claims and Losses. Members will not settle any Claims and Losses without, in each instance, the prior written consent of an officer of Sponsor. We are not responsible for technical, hardware, network connections or incomplete or delayed computer transmissions, regardless of cause.
26. WAIVER OF INJUNCTIVE OR OTHER EQUITABLE RELIEF
IF A MEMBER CLAIMS THAT IT HAS INCURRED ANY LOSS, DAMAGES, AND/OR INJURIES IN CONNECTION WITH PARTICIPATION IN THE PROGRAM, THEN THE LOSSES, DAMAGES, AND INJURIES WILL NOT BE IRREPARABLE OR SUFFICIENT TO ENTITLE ANY MEMBER TO AN INJUNCTION OR TO OTHER EQUITABLE RELIEF OF ANY KIND. THIS MEANS THAT, IN CONNECTION WITH ANY CLAIM, MEMBERS AGREE THAT IT WILL NOT SEEK, AND IT WILL NOT BE PERMITTED TO OBTAIN, ANY COURT OR OTHER ACTION THAT MAY INTERFERE WITH OR PREVENT THE DEVELOPMENT OR EXPLOITATION OF ANY WEBSITES, APPLICATION, CONTENT, USER CONTENT, PRODUCT, SERVICE, OR INTELLECTUAL PROPERTY OWNED, LICENSED, USED OR CONTROLLED BY SPONSOR OR ANY OF THE OTHER PROGRAM ENTITIES (INCLUDING MEMBER’S LICENSED USER CONTENT).
27. INTELLECTUAL PROPERTY
Caterpillar Inc. is the sole and exclusive owner the trademarks, service marks, trade names, logos, trade dress, and copyrighted or copyrightable materials of Caterpillar Inc. Members shall never, directly or indirectly, interfere with, challenge, file applications for, or claim ownership of any trademarks owned by Caterpillar anywhere in the world.
Caterpillar retains all copyrights in any and all text, graphic images, and software owned by Caterpillar related to the Program. Nothing contained herein shall be construed as conferring any license or right of copyright, patent, or trademark owned by Sponsor, or their subsidiaries or affiliates.
CAT, CATERPILLAR, and their respective logos, Cat® Rewards, Cat® Commercial Account, Cat® Credits, "Caterpillar Corporate Yellow", the "Power Edge" and the Cat “Modern Hex” trade dress as well as corporate and product identity, are trademarks of Caterpillar and may not be used without permission. Cat and Caterpillar are registered trademarks of Caterpillar Inc., 100 N.E. Adams, Peoria IL 61629.
28. TAXES; MISCELLANEOUS
Rewards and other benefits earned or received through the Program may be subject to tax. Any tax liability, including any necessary reporting to the Internal Revenue Service, is the Member’s sole responsibility. Member should consult with its tax experts regarding any potential tax treatment. Caterpillar shall have no liability or obligation to Member relating to any tax or duty liability or any other charges in connection with the provision of rewards or other benefits under the Program.
All interpretations of these Terms regarding membership are at Sponsor’s sole discretion, and Sponsor’s decisions will be final. Sponsor’s waiver of any breach of these Terms will not constitute a waiver of any other prior or subsequent breach of these Terms. Sponsor’s failure to insist upon strict compliance with these Terms will not be deemed a waiver of any rights or remedies Sponsor may have. Sponsor may waive compliance with these Terms in its sole discretion. The Terms constitute the entire agreement between Sponsor and you relating to the subject matter hereof, and supersede any prior understandings or agreements (whether oral or written) regarding the subject matter, and may not be amended or modified except in writing or by making such amendments or modifications available on the website.
