Last Updated: May, 2025

WELCOME TO TREMENDOUS! The Services, defined below, are provided to you by Tremendous, LLC, a Wisconsin limited liability company (“Tremendous,” “we,” “us,” or “our”), through its technology platform (collectively, the “Site”) subject to these Terms of Service (the “Agreement”).

Please read this Agreement carefully.  By accessing, using, or attempting to access or use the Services (defined below), you acknowledge and agree that you have read, understood and accepted all of the terms and conditions contained in this Agreement as well as our Privacy Policy. If you do not agree, you may not access or use the Services and must immediately cease any use of the Services.

We may update this Agreement by posting a revised version on this page without prior notice. The "Last Updated" date indicates the most recent changes. By using the Services, you agree to the terms in effect at that time. Changes take effect either when you use the Services after notice or 30 days after posting. If you disagree with the revised terms, you must stop using the Services.

Important Notice: This Agreement includes provisions that affect your legal rights, including:

Please review these terms carefully.

  1. THE SERVICES

    1. Generally. Your information was provided to us by a claims administrator responsible for disbursing claims to you (the “Sender”) specified in the communication that directed you to the Site (such communication, the “Notice”). You may choose to have value sent to you using the Site (such value, a “Payout”) Your Payout is redeemable solely through the Site and is not usable at any third-party merchant prior to such redemption.

      The Sender has chosen Tremendous because we offer you a choice in how you redeem your Payout (each, a “Redemption Option”) and make the process as painless as possible (the “Services”). The Sender has selected which Redemption Option(s) are available to you. Each Redemption Option is subject to availability and applicable terms and conditions.

    2. Eligibility. To be eligible to use the Services (and redeem your Payout), you must be at least 18 years old (or the applicable age of majority and contractual capacity in the jurisdiction in which you reside).

    3. Access and Availability: You need an internet-enabled device and service to use the Site and Services. Access may be temporarily unavailable or delayed during high traffic or service disruptions. We aim to provide reliable service but do not guarantee uninterrupted availability.

  2. YOUR PAYOUT
    1. We encourage you to redeem your Payout as soon as possible. If you fail to redeem your Payout, the underlying funds will be returned to the Sender.
    2. The Sender determined the value of your Payout and the Redemption Options available to you. Tremendous cannot change the initial value or the available Redemption Options.
    3. Taxes. It is your sole responsibility to determine whether and to what extent, any taxes apply to your Payout or use of a Redemption Option and to withhold, collect, report and remit the correct amounts of taxes to the appropriate tax authorities.
  3. REDEMPTION OPTIONS
    1. You may have access to one or more Redemption Options, as selected by the Sender. All Redemption Options are provided by third parties (each, a “Provider”) and subject to terms and conditions imposed by the Provider (“Provider Terms”).
    2. You may only choose one Redemption Option per Payout. You are responsible for providing Tremendous with accurate information to direct your Payout to the appropriate Redemption Option. If applicable to the Payout you select, please ensure your account information, contact information, or such other information as you may be requested to provide are complete and accurate. If you have made a typographical error in the redemption process such that you have not received your Redemption Option, please contact [email protected]. While Tremendous will try to redirect your chosen Redemption Option to the appropriate destination, you agree that such redirection or recall may not be possible and you are solely responsible for the loss of the value of your Payout.
      1. Identity Verification. To select a Redemption Option, you must provide the requested information for: (a) directing your Payout, (b) identity verification, (c) detecting financial crimes (e.g., money laundering, fraud), and (d) recordkeeping. Required information may include your name, address, phone number, email, date of birth, taxpayer ID, and bank details (e.g., account type, routing, and account numbers). You confirm the accuracy and authenticity of all information provided.

You authorize us, directly or via third parties, to verify your identity and protect against fraud or financial crime. This may involve sharing your information with credit reference or fraud prevention agencies. These checks are for identification purposes only and should not affect your credit rating.

  1. Tremendous will only send the Payout to a Redemption Option designated for you. By providing Redemption Option details, you represent that you own and control the bank account, stored value account, email, or phone number provided and are the intended recipient of the Payout.
  2. All redemptions are final. Once you confirm your choice of Redemption Option, you cannot cancel or change your Redemption Option.
  3. Tremendous does not guarantee immediate delivery of any Redemption Option. Each virtual/electronic Redemption Option may take up to four (4) business days to be delivered to you.
  4. Provider Terms
    1. Prepaid Mastercard is subject to the Tremendous Cardholder Agreement.
    2. Amazon.com gift cards are subject to the Amazon Balance and Gift Card Terms and Conditions.
    3. Adidas Gift Cards are subject to Adidas’ Gift Card Terms and Conditions.
    4. Starbucks cards are subject to the Starbucks Card Terms and Conditions.
    5. Direct Deposit is subject to Tremendous’ Payout Plus Terms.
    6. Transfers to your PayPal account are subject to the PayPal User Agreement.
    7. Transfers to your Venmo account are subject to the Venmo User Agreement.
    8. Transfers to your bank account using Zelle are subject to the Zelle Network User Service Agreement.
  5. DATA PROTECTION AND SECURITY
    1. Personal Data. You acknowledge that we may process personal data in relation to you and personal data that you have provided to us in connection with the Services. Accordingly, you represent and warrant that before providing any such personal data to us, you have read and understood our Privacy Policy which is available here.
    2. Pre-Population of Your Information. If you have used the Site and Services before, we may be able to pre-populate some or all of the fields required for the redemption process. We provide this service as a convenience to you and rely on information you have previously provided to us. You are solely responsible for reviewing any information we pre-populate for accuracy and completeness. Any typographical errors resulting in misdirection or non-delivery of your Redemption Option are solely your responsibility and Tremendous does not accept any liability therefor.
  6. GENERAL USE AND PROHIBITED USE
    1. Limited License. Subject to these Terms, Tremendous grants you a limited, revocable, non-exclusive, and non-transferable license to access and use the Site, Services, and their content (collectively, “Content”) only for purposes we authorize. All other rights are reserved. Without our prior written consent, you may not copy, reproduce, distribute, sell, license, publish, reverse-engineer, modify, create derivative works from, or otherwise exploit any part of the Content. “Tremendous,” “Tremendous.com,” and related logos are our trademarks or registered marks and may not be used, copied, or imitated without our written permission.
    2. Website Accuracy. Tremendous strives to keep the Site and its content accurate and current, but information may be incomplete, outdated, or contain errors. We may update or change content at any time without notice. You are solely responsible for verifying information before relying on it, and Tremendous is not liable for decisions made in reliance on Site content. The Site may link to third-party websites or materials that we do not control. Tremendous is not responsible for, and makes no representations about, any third-party content, products, or services accessible through such links.
    3. Prohibited Use. You are responsible for complying with all laws applicable to your use of the Services. Except as required by law, we may, without notice and without liability to you, suspend or terminate access to, or refuse to provide, any Services at any time in our sole discretion, including with limitation:
      1. if we believe, in our sole discretion, you directly or indirectly use, or attempt to use, the Services for any unlawful or improper purpose;
      2. if you provide any incomplete, incorrect or false information to us;
      3. if you attempt to tamper, hack, modify or otherwise corrupt the security or functionality of the Site or the Services;
      4. if we receive a facially valid subpoena, court order or other binding order from a government authority requiring us to do so;
      5. if you have breached any portion of this Agreement; and/or
      6. if we determine such action is necessary to comply with this Agreement, any of our policies, procedures or practices, or any law, rule or regulation.
      7. You agree that we will not be held responsible or liable to you or any other person for such action except as required by law.
    4. Termination. As a recipient of a Payout and user of the Services, you do not have any ongoing relationship with Tremendous. However, you may not be able to receive the value of funds associated with your Payout if you do not use our Site and Services. You must contact the Sender of your Payout if you wish to receive value (or funds) from such Sender through different means.
  7. DISPUTE RESOLUTION BY BINDING ARBITRATION AND CLASS ACTION WAIVER.
    1. INFORMAL RESOLUTION FIRST. BEFORE STARTING ARBITRATION, EITHER PARTY MUST GIVE WRITTEN NOTICE OF THE DISPUTE AND WORK IN GOOD FAITH FOR 30 DAYS TO RESOLVE IT INFORMALLY.
    2. BINDING ARBITRATION–NO JURY TRIAL. EXCEPT FOR THE MATTERS IN § 6.F., ALL DISPUTES ARISING FROM THESE TERMS OR THE SERVICES WILL BE RESOLVED BY FINAL, BINDING ARBITRATION BEFORE A SINGLE NEUTRAL ARBITRATOR, NOT BY A JUDGE OR JURY. BOTH PARTIES WAIVE THE RIGHT TO A JURY TRIAL.
    3. SEAT, RULES, AND PROCEDURES.
      1. SEAT. NEW YORK, NEW YORK IS THE LEGAL SEAT OF ARBITRATION, BUT HEARINGS MAY–AT YOUR OPTION–BE HELD IN (a) NEW YORK, (b) WITHIN 50 MILES OF YOUR RESIDENCE, (c) ANOTHER LOCATION WE BOTH AGREE TO, OR (d) BY PHONE OR VIDEO.
      2. ADMINISTRATOR & RULES. JAMS WILL ADMINISTER UNDER ITS COMPREHENSIVE ARBITRATION RULES & PROCEDURES, INCLUDING ANY EXPEDITED PROVISIONS.
      3. LANGUAGE & ARBITRATOR. THE ARBITRATION WILL BE IN ENGLISH. THE ARBITRATOR MUST BE A PRACTICING ATTORNEY AND HAS THE SAME POWER TO AWARD MONETARY OR EQUITABLE RELIEF THAT A COURT WOULD HAVE. DISPOSITIVE MOTIONS ARE ALLOWED.
      4. AWARD. THE ARBITRATOR MUST ISSUE A REASONED, WRITTEN AWARD. JUDGMENT ON THE AWARD MAY BE ENTERED IN ANY COURT WITH JURISDICTION.
    4. INDIVIDUAL CLAIMS ONLY. NO CLASS, REPRESENTATIVE, OR CONSOLIDATED ACTIONS OR ARBITRATIONS ARE ALLOWED. EACH CLAIM MUST BE BROUGHT IN AN INDIVIDUAL CAPACITY, AND RELIEF IS LIMITED TO THE CLAIMANT.
    5. FEES & COSTS. IF YOU FILE FIRST, YOU PAY THE FIRST US $250 OF THE FILING FEES; WE COVER THE REST. IF WE FILE FIRST, WE PAY ALL FILING FEES. THE PREVAILING PARTY MAY RECOVER REASONABLE ATTORNEYS’ FEES AND COSTS IF ALLOWED BY APPLICABLE LAW.
    6. CLAIMS THAT MAY GO TO COURT. THE FOLLOWING MAY BE BROUGHT IN COURT: (a) DISPUTES THAT QUALIFY FOR SMALL-CLAIMS COURT; (b) PETITIONS TO COMPEL ARBITRATION, STAY LITIGATION, OR CONFIRM/VACATE AN AWARD; AND (c) SUITS FOR TEMPORARY OR INJUNCTIVE RELIEF PENDING ARBITRATION.
    7. OPT-OUT. YOU MAY OPT OUT OF THIS SECTION 6 BY SENDING WRITTEN NOTICE (NAME, ADDRESS, CLEAR STATEMENT TO OPT OUT) TO TREMENDOUS ARBITRATION OPT-OUT, 228 PARK AVE S #62949, NEW YORK, NY 10003 OR [email protected] WITHIN 30 DAYS OF ACCEPTING THESE TERMS. OPT-OUT LEAVES THE REST OF THE TERMS IN TACT.
    8. SEVERABILITY. IF ANY PART OF THIS § 6 IS FOUND UNENFORCEABLE, THAT PART IS SEVERED AND THE REMAINDER REMAINS IN FORCE.
  8. GENERAL PROVISIONS
    1. Computer Viruses. We will not bear any liability, whatsoever, for any damage or interruptions caused by any computer viruses or other malicious code that may affect your computer or other equipment or any phishing, spoofing or other attack. We advise the regular use of a reputable and readily available virus screening and prevention software. You should also be aware that SMS and email services are vulnerable to spoofing and phishing attacks and should use care in reviewing messages purporting to originate from Tremendous.
    2. Release of Tremendous; Indemnification. To the fullest extent permitted by law, Tremendous is not liable for any loss, damage, or interruption arising from viruses, malware, phishing, spoofing, or other malicious code or attacks that affect your devices or communications. We strongly recommend that you (i) run reputable, up-to-date antivirus and anti-malware software and (ii) verify any SMS or email claiming to be from Tremendous before acting on it..
    3. Entire Agreement. These Terms constitute the sole and complete agreement between you and Tremendous regarding your access to the Site and use of the Services and supersede all prior or contemporaneous discussions, agreements, and understandings—whether oral, written, or electronic (including any earlier versions of these Terms). Section headings appear only for convenience and do not affect the meaning or interpretation of any provision.
    4. Amendments. We may amend these Terms at any time by posting the updated version on the Site; the amendments take effect when posted. If you disagree with any change, your sole remedy is to stop using the Services. Except as expressly stated in these Terms, Tremendous is not liable for any modification or termination of the Services, or for suspending or terminating your access.
    5. Notice. Tremendous may notify you of anything related to these Terms, the Services, or the Privacy Policy by email, posting on the Site, or any other reasonable method; such delivery constitutes effective notice. Your continued use of the Site or Services after notice is deemed your acknowledgment and acceptance of the notified matter.
    6. Translations. This Agreement may be available in languages other than English. To the extent of any inconsistencies or conflicts between this English Agreement and our Recipient Terms available in another language, the most current English version of the Recipient Terms will prevail. Any disputes arising out of this Agreement will be resolved in English unless otherwise determined by Tremendous (acting in its sole discretion) or as required by applicable law.
    7. Assignment. You may not assign or transfer these Terms—or any right or obligation under them—without Tremendous’ prior written consent; any attempt to do so is null and void. These Terms are binding on, and inure to the benefit of, each party and its permitted successors and assigns. Tremendous may freely assign or transfer its rights and obligations, including to (i) any affiliate or subsidiary or (ii) a successor by merger, acquisition, asset sale, or other change of control, and may transfer associated user information as part of that transaction.
    8. Severability. If any provision of these Terms is held invalid or unenforceable under applicable law, it will be enforced to the maximum extent permissible—or, if necessary, deemed modified to achieve its intent—while the remaining provisions continue in full force and effect.
    9. Survival. Any provision that, by its nature, should survive termination of these Terms—including those on suspension or termination, account cancellation, debts owed, site use, dispute resolution, and other general provisions—will remain in force after these Terms end.
    10. Governing Law. This Agreement is governed by New York law, exclusive of its conflict-of-laws rules. Subject to the arbitration terms in § 6 (unless you have opted out), any claim that may be filed in court must be brought exclusively in the state or federal courts located in New York County, New York, and each party irrevocably submits to the personal jurisdiction of those courts. If a dispute proceeds in court rather than arbitration, both parties knowingly and voluntarily waive any right to a jury trial and acknowledge that this waiver is a material inducement to enter into this Agreement. Any lawsuit arising out of or related to this Agreement, the Site, or the Services must be filed within one (1) year after the claim accrues; otherwise, it is permanently barred.
    11. Force Majeure. Tremendous is not liable for any delay, interruption, or failure to perform caused by events beyond its reasonable control—including, without limitation, significant market volatility, acts of God, terrorism, war, civil or military action, civil unrest, labor disputes, fire, telecommunications or internet outages, or equipment/software failures. Such events do not affect the validity or enforceability of the remaining Terms.
    12. Contact Tremendous. If you have any questions or concerns about this Agreement, the Site, or the Services, please contact [email protected].