Please submit ALL assets to stephanie.still@empower.me prior to going live.
Please ensure all relevant legal disclosures (refer to section 4) are footnoted within the write up.
1. Publisher Responsibilities.
Publisher may use any and all reasonable and lawful methods to generate clicks to Empower designated locations and to otherwise use those reasonable and lawful methods to cause a User to click on an advertisement or text advertisement link directing the User to the Empower designated locations.
Publisher will only place any promotion of Empower on websites and mobile applications owned, operated or controlled by publisher and not place any promotion of Empower on a website or other destination that contains, or links to a website or other destination that contains, content that is sexual, deceptive or illegal in nature or that in any way promotes or encourages hatred, violence, discrimination or illegal activities.
Publisher shall use the creative assets provided in the Empower library on AWIN or email the Empower contact for additional creatives.
Publisher shall seek Empower’s written approval of any and all advertisements produced by Publisher. Email may be used to seek and grant written approval of Publisher’s creative and copy assets prior to campaign launch.
Publisher shall include in all advertising and editorial assets the required legal disclosures, per the direction provided in section 5.
2. Financial Terms.
Empower shall have no obligation to pay for any action that it determines in its sole discretion, as supported by commercially reasonable documentation, (i) was not taken by a natural person or (ii) was fraudulent per Empower’s terms of service, cancelled or charged back.
3. Disputes.
Prior to either Advertiser or Publisher commencing any legal action, both parties agree to try, in good faith, to settle the dispute amicably between executives of the respective parties who have sufficient authority to sign a binding settlement agreement.
4. Legal Disclosures.
Disclosure stating that Empower is not a bank (i.e. “Empower is a financial technology company, not a bank. Banking services provided by nbkc bank, Member FDIC.”) shall be in bold or increased font size in a clear and conspicuous manner proximate to the use of the Empower Card/ Cash Advance/ AutoSave terminology.
Empower Cash Advance
- Any mention of Cash Advance: "Eligibility requirements apply."
Empower Card
Any mention of Empower Card (as an image or in copy): "Empower is a financial technology company, not a bank. Banking services provided by nbkc bank, Member FDIC."
- Any mention of Cash Advance: "Eligibility requirements apply."
Any mention of early payday: “Early access to paycheck deposit funds depends on the timing of the employer's submission of deposits. We generally post such deposits on the day they are received which may be up to 2 days earlier than the employer's scheduled payment date.”
Any mention of cashback: “Cashback deals on Empower Card purchases, including categories, merchants, and percentages, will vary and must be selected in the app. Cashback will be applied automatically when the final transaction posts, which may be up to a week after the qualifying purchase.”
Any mention of 0.05% APY: "Empower is a financial technology company, not a bank. Banking services provided by nbkc bank, Member FDIC. 0.05% Annual Percentage Yield (APY) may change at any time. APY as of MMM DD, YYYY. Empower charges an auto-recurring monthly subscription fee of $8 for access to the full suite of money management features offered on the platform. The subscription fee will apply (a) after the 14-day free trial concludes for first-time customers, and (b) immediately for customers returning for a second or subsequent subscription.”
[MMM DD, YYYY should be populated with the date the article or advertisement launches]
Any mention of FDIC Insurance: Empower is a financial technology company, not a bank. Banking services provided by nbkc bank, Member FDIC.
Note: FDIC Insurance mentions must be worded as: “Empower deposits are FDIC insured up to $250,000."
Fees
Any mention of foreign transaction fee: "Empower does not charge foreign transaction fees for the use of the Empower Visa Debit Card outside of the US. However, Visa charges a foreign transaction fee of 1%. Empower does not reimburse this 1% transaction fee on foreign ATM transactions or on any other foreign transactions or purchases."
APPROVED: No overdraft fees.
APPROVED: No insufficient funds fees.
PROHIBITED: No fees.
PROHIBITED: No hidden fees.
- PROHIBITED: No monthly maintenance fees.
Empower AutoSave
Any mention of AutoSave: "Empower is a financial technology company, not a bank. Banking services provided by nbkc bank, Member FDIC."
Any mention of 0.05% APY: "Empower is a financial technology company, not a bank. Banking services provided by nbkc bank, Member FDIC. 0.05% Annual Percentage Yield (APY) may change at any time. APY as of MMM DD, YYYY. Empower charges an auto-recurring monthly subscription fee of $8 for access to the full suite of money management features offered on the platform. The subscription fee will apply (a) after the 14-day free trial concludes for first-time customers, and (b) immediately for customers returning for a second or subsequent subscription.”
[MMM DD, YYYY should be populated with the date the article or advertisement launches]
Any mention of FDIC Insurance: "Empower is a financial technology company, not a bank. Banking services provided by nbkc bank, Member FDIC.
Note: FDIC Insurance mentions must be worded as: “Empower deposits are FDIC insured up to $250,000."
APPROVED: AutoSave Account
APPROVED: Automatic Savings Account
PROHIBITED: Savings account
Other Guidelines
Avoid all references to "advisor" and "advice" and "advise."
Do not refer to Empower as a bank.
Use "Visa", NOT "VISA" or "visa". Do NOT use Visa in the possessive or plural form.
All legal disclosures must be legible.
