StyleRewards Program Terms and Conditions
These StyleRewardsTM Program Terms and Conditions (“Program Terms”) govern the StyleRewardsTM Program in the U.S. (“Program”), formerly known as the ALL Rewards Loyalty Program. These Program Terms govern participation in the StyleRewards Program, including those who participate as holders of the Ann Taylor or LOFT Credit Card and Ann Taylor or LOFT Mastercard® Credit Cards.
These Program Terms have an effective date of October 8, 2025.
The Program is owned and serviced by Premium Brands Opco LLC (“Premium Brands” and/or “we” or “us”). Please read these program terms carefully. They affect your legal rights and require that you waive class action claims associated with the Program between you and Premium Brands and waive the right to trial by jury to the fullest extent permitted by law. See the section below titled Class-Action Waiver/Dispute Resolution Choice of Law for more details.
For holders of an Ann Taylor or LOFT Credit Card or an Ann Taylor or LOFT Mastercard® who participate in the Program, your Credit Card account agreement with Comenity Bank, which governs the use of your Credit Card, is separate and independent from these Program Term s. In the event of any conflict between these Program Terms and the Credit Card account agreement, these Program Terms will control in any matter relating to the Program.
By participating in the Program, you agree to these Program Terms. The Program is void where prohibited by law.
Overview
The Program is available to eligible customers (see “Eligibility a Registration• below for full eligibility details). You can create a Program membership account (“Program Account”): (i) at any Ann Taylor, LOFT, LOFT Outlet or Ann Taylor Factory retail store in the United States or the District of Columbia (ask a store representative to help you begin the process); (ii) by visiting www.ennteylor.com or www.loft.com, (“Site”) and completing the Program Account registration form; and (iii) by any other methods as Premium Brands may offer from time to time. To create a Program Account in-store, please see a store associate to complete the enrollment process. Eligible customers who sign up for a Program Account (“Members”) will be able to earn points (“Points”) with each Earning Activity (as defined below). When you have earned the requisite amount of Points, those Points will be converted into reward certificates (each a “Reward Certificate”) that you can use to make Authorized Purchases (as defined below). Any individual who opens an Ann Taylor or LOFT Credit Card or Ann Taylor or LOFT Mastercard® Credit Card account on the Site or in our stores will automatically be enrolled into the Program upon approval of their Credit Card account.
Eligibility & Registration
The Program is open only to residents of any one (1) of the fifty (50) United States, the District of Columbia and Puerto Rico who are the age of majority in their jurisdiction of residence. The Program is also open to Canadian residents over the age of eighteen (18) who make purchases in our U.S. stores. Reward Certificates can only be redeemed in U.S. at our stores or on the Site for orders shipped to addresses in United States, District of Columbia or Puerto Rico or by a Premium Brands’ call center for orders shipped within the same territories. You must provide us with all required information to register for a Program Account. A first and last name, mailing address, valid email address and phone number are required to set up a Program Account on a Site. Valid email address, mailing address and phone number are required to set up a Program Account in stores. Additional information, such as your birthday, will be required to receive some of the Program’s benefits. When you enroll in the Program and create a Program Account, you are agreeing to receive email messages related to the Program from Premium Brands and/or its brands. Members who have opted out of receiving marketing emails from Premium Brands, or any of its brands, will still be able to participate in the Program and receive messages about their Program Account (e.g., Reward Certificates, birthday-related benefit, Program Account statements, Program welcome messaging, and news about changes to these Program Terms). There is a limit of one (1) Program Account per individual/email address/phone number. You agree that you will not participate in the Program under more than one (1) Program Account. Corporations, groups and associations are not eligible to register for a Program Account or otherwise participate in the Program.
You agree you will not sell, transfer or assign your Program Account or any membership rights. Points, benefits and Reward Certificates are not your personal property, are not descendible and may not be inherited, bartered, purchased or sold. For online users, you are responsible for maintaining the confidentiality of any login credentials and for restricting access to your computer (or other device, as applicable) so that others may not access your Program Account.
Earning Points through Earning Activities; Conversion of Points to Reward Certificates
The Program involves two important measurements: (1) Points and (2) Reward Certificate s. Points are earned when Members engage in either of the following: (a) making qualifying purchases from Premium Brands retail and outlet stores in the United States or District of Columbia, including Ann Taylor, LOFT, Ann Taylor Factory or LOFT Outlet stores, on the Site for orders shipped to addresses in the United States, District of Columbia or Puerto Rico, or placing an order through Premium Brands’ call center (each an “Earning Purchase”); or (b) participating in other specific Member opportunities offered by Premium Brands from time-to-time (“Additional Earning Activities”) . Together, these are defined as “Earning Activities”. In order for a transaction to qualify as an Earning Purchase, you must use one of the following forms of tender to complete the transaction: cash, check, traveler’s check, credit card, debit card, Ann Taylor or LOFT gift cards purchased from Premium Brands or an authorized retailer, casino points from qualifying casinos, Paper Mall Certificates; and PayPal, or other similar payment mechanisms that we may offer from time to time. The details of an Additional Earning Activity, including a description of the conduct required, the number of Points available and any additional terms will be as communicated to the eligible Member(s) by email or in another communication from Premium Brands and/or its brands.
Earning Activities only count towards the earning of Points once you have a valid Program Account. In order to earn Points for an Earning Purchase at a Premium Brands’ retail or outlet store, you must present either your email address or phone number associated with your Program Account to a Premium Brands’ representative when prompted. In order to earn Points for an Earning Purchase on the Site, you must enter your email address associated with your Program Account in either guest checkout or the log in for the Sit e. In order to earn Points for an Earning Purchase through Premium Brands’ call center, you must provide your email address or phone number associated with Program Account to the call agent when asked. Points for eligible purchases on the Sites qualify once all items in the same transaction have shipped and will be automatically awarded to your Program Account within approximately 48 hours of last shipment. Members cannot earn Points on purchases of a gift card or a-gift card purchased from Premium Brands on the Site or in store or from other authorized stores but are able to earn Points if they redeem a gift card. Points are also not accrued for previous purchases, charity items, the purchase of brand Cares Cards, gift boxes, gift wrapping, gifts-with-purchase, giveaways, coupons, credit card payments, layaway items, the dollar amount listed on the Rewards Certificates used in any purchase, processing charges , delivery surcharges, shipping and handling, taxes, or state and any other applicable governmental fees, and are calculated after deduction of any discount s. Premium Brands will not retroactively apply Points for purchases made prior to enrollment or without presenting the required information at time of purchase. Points are also not earned on: unauthorized or fraudulent charges or purchases made by, or for a business/group or for a business purpose. Use of a Reward Certificate, store credit, merchandise credit or e-gift certificate issued by the call center does not earn Points. Points incorrectly issued by Premium Brands will be removed from the applicable Program Account and deemed not properly earned (as determined by Premium Brands in its sole
discretion).
Ann Taylor Credit Card, LOFT Credit Card, Ann Taylor Mastercard® or LOFT Mastercard® Credit Card account holders must be in Good Standing to earn Points using their Premium Brands ‘ Credit Card accounts. “Good Standing” means (1) your account is open to new charges and not over your credit limit, (2) your account is not more than 60 days past due or otherwise in default, (3) your card is not flagged as lost, stolen or fraudulent according to the Bank’s records, (4) your account is not in a hardship or workout program, and (5) you are not subject to a credit counseling arrangement relating to your account.
Authorized buyers who have their own Program Account and use the Ann Taylor Credit Card, LOFT Credit Card, Ann Taylor Mastercard® or LOFT Mastercard® Credit Card will earn Points that will accrue to their individual Program Account when making a qualifying purchase at our stores or a Site. Authorized buyers using their Ann Taylor Credit Card, LOFT Credit Card, Ann Taylor Mastercard® or LOFT Mastercard® Credit Card for qualifying purchases made outside of Premium Brands’ stores or Sites will accrue to the primary cardholder’s Program Account.
Approximately 48 hours following a purchase in our store and approximately 48 hours following fulfillment of an online order at our Site, the associated transaction points will appear as “pending” in your account summary online. Points will move from “pending” to “vested” in your account summary within approximately 48 hours of your completion of an Earning Activity, barring any merchandise return. You may view your account summary via Program Account by logging in at www.ennteylor.com or www. loft .com, or by calling our Customer Service Team. See contact information below.
Once a Member accumulates the required number of Points to earn a Reward Certificate, those Points will be removed from that Program Account and converted to a Reward Certificate. Reward Certificate(s) will be issued approximately two (2) business days after the time the required number of “vested” Points appear in the Member’s Program Account and will be sent to the email address associated with that Program Account. Issued Reward Certificates can also be accessed by logging in to the Sit e. Click “My Account ” on top right corner, enter your email address and password, click log-in and view your Program profile. Reward Certificates are issued in $5 increments, up to $30 per Reward Certificate. Unused points will rollover to begin applying toward the next $5 Reward Certificate. Members may earn multiple Reward Certificates at a time. Reward Certificates have unique codes that can be used one time in-store or on the Site, as described in “Reward Certificate Redemption” below. Each Reward Certificate code may be used once by the Program Account holder. Points will be converted to Reward Certificates in the order that the Points were earned. A maximum of four (4) Reward Certificates can be applied to a transaction made in-store or on the Site .
See Exhibit A for current information regarding benefits, how Points are calculated, how many Points must be accrued to earn a Reward Certificate, and the value of a Reward Certificate (collectively, Program Details).
Point Expiration; Reward Certificate Expiration; Returns & Exchanges; Errors
Unused Points in your program account (i.e., Points not converted to Reward Certificates) will expire twelve (12) months from the date of the vesting period of the earning activity. Each Reward Certificate will expire ninety (90) days after Reward Certificate issuance.
If you return a purchase for which you earned Points in accordance with Premium Brands’ then current return policy, the Points associated with your Program Account will be reduced by the number of Points equivalent to the amount of the refund you receive. If a Member’s Point balance is insufficient to cover the deduction associated with the return, a negative point balance may occur and Points earned on future qualifying purchases may be used to offset this negative balance. Negative Points do not expire. In the event of an even exchange, any Points earned in association with the original purchase will remain. In the event of an exchange for an item of lesser value, the difference in value from your original purchase will be deducted from your Program Account. In the event of an exchange for an item of greater value, any additional expenditure will accrue Points in accordance with these Program Terms. Any new promotional offers in effect at the time of an even exchange will not apply, nor modify your Program Account balance. In the event that you purchase merchandise with a one or more Reward Certificates and later return all of those items, or your online order is entirely cancelled, you will receive new Reward Certificates to replace the value of the ones you redeemed. If, however, you return only some of those items, or your online order is only partially cancelled, the Reward Certificates will be forfeited, no refund of the reward amount will be provided, and the Points will not be restored to your Program Account. In the event that you purchase merchandise online with a Reward Certificate and the item is damaged, you must call our Customer Service Team (see below for contact information) to have any appeasement made on your redeemed reward.
Our transactional records will be considered conclusive if there is a dispute about the number of Points or the number or value of any Reward Certificate(s) earned, redeemed or deducted. You should retain your copy of the receipt(s) and any other document which evidences your Point balance. Call our call center (see below for contact information) within thirty (30) days from the relevant transaction date if you have any questions or concerns about your Points or Reward Certificate(s).
We accept no liability for any errors in the number of Points or any Reward Certificate provided to you.
Reward Certificate Redemption
Unexpired Reward Certificates may be applied to qualifying purchases of Ann Taylor, LOFT, LOFT Outlet or Ann Taylor Factory merchandise at an Ann Taylor, LOFT, LOFT Outlet, or Ann Taylor Factory retail store in the United States and District of Columbia, or on the Sites (each an “Authorized Purchase”). Reward Certificates cannot be applied to previous purchases, charity items, the purchase of brand Cares Cards, gift boxes, gift wrapping, credit card payments, coupons, layaway items, processing charges, delivery surcharges, purchase of gift cards, shipping and handling, taxes, or state and any other applicable governmental fees. Reward Certificates will be redeemed in United States dollars. On the Site, each Reward Certificate must be used in its entirety in one purchase and the minimum value of the purchase (pre-tax and after all credits or discounts have been applied) must be greater than the value of the Reward Certificate being applied. In stores, your in store purchase may be less than the value of the Reward Certificate, but any remaining balance will be forfeited. The Member using a Reward Certificate is responsible for all charges in excess of the value of the Reward Certificate, including all applicable taxes.
The Reward Certificate may be used with other promotional credits or discounts offered at the time of purchase (“Other Offers”), unless otherwise stated in the Other Offers. The Reward Certificate will be apportioned at an item level after all other non-loyalty promotions are applied to the Authorized Purchase. Associates of Ann Taylor, LOFT, Ann Taylor Factory and LOFT Outlet can combine Reward Certificates with an associate discount.
In- Store : To use a Reward Certificate when making an Authorized Purchase in one of our retail stores in the United States or the District of Columbia, you must present a printed/paper or electronic version of your unexpired Reward Certificate at the time of purchase. Premium Brands reserves the right to require the person using a Reward Certificate to show proof that they are the person associated with the Reward Certificate. After using the Reward Certificate, the Premium Brands representative will not return any printed/paper copy of the Reward Certificate to you.
Online: To use a Reward Certificate when making an Authorized Purchase on the Site, you must select a Reward Certificate at checkout if you wish to apply a Reward Certificate to your transaction. Premium Brands reserves the right to require the person using a Reward Certificate to validate that they are the person associated with the Reward Certificate. If you are not logged in to your online account at checkout, you will not be able to redeem your Reward Certificate.
You are solely responsible for all federal, state and local taxes and any other costs or expenses of accepting and using Reward Certificates or Other Offers.
Points, Reward Certificates and Program Accounts Are Non-Transferable and Not Redeemable for Cash
Except where required by applicable law, neither Points nor Reward Certificates have any monetary or cash value and they may not be redeemed for cash or, except under the Program, do not have any cash equivalent. Program Accounts and Reward Certificates are non-transferable. Reward Certificates can only be used by the Program Account holder for Authorized Purchases made in-store or on a Site by that Program Account holder. Points and Reward Certificates may not be used as payment of any outstanding obligation to Comenity Bank or its affiliates.
Loss of Points and Reward Certificates; Termination of Your Program Account
In addition to termination of the Program pursuant to “Program Account Closure/Termination” below, Premium Brands may also revoke your ability to participate in the Program for: (i) your abuse of the Program, including, without limitation, your use of any “bot,” macro, or other automated means to participate in the Program or to earn Points or Reward Certificates; (ii) your failure to follow these Program Terms and any other terms and conditions applicable to the Program; (iii) the attempted or actual sale or transfer of any of your Points, Reward Certificates, or your Program Account; (iv) any misrepresentation or other fraudulent behavior by you; or (v) any other conduct deemed by Premium Brands, in its sole discretion, to be an abuse of the Program, to be detrimental to the interests of Premium Brands or its customers, to be fraudulent, illegal, or to be otherwise improper. If your ability to participate in the Program is revoked, any unused Points or Reward Certificates will automatically be forfeited and your future participation in the Program may be prohibited, in the sole and absolute discretion of Premium Brands .
Premium Brands is not responsible for Points or Reward Certificates that expire, are lost, or are redeemed due to fraudulent activity. Suspected illegal, fraudulent or other unauthorized use or misuse of Points, Reward Certificates, or any other activity inconsistent with these Program Terms may, in the sole and absolute discretion of Premium Brands, result in cancellation of any Rewards Certificates or Points or termination of your participation in the Program, which will result in the loss of all accumulated Points earned and Reward Certificates issued but not yet redeemed. Premium Brands also reserves the right to cancel any Rewards Certificates or Points issued due to an error or mistake by Premium Brands or in its systems. You agree that Premium Brands’ decisions relating to the Program are final and that Premium Brands will not be liable to you or any other party in connection with any such error or mistake or associated cancellations of Rewards Certificate or Points.
Program Account Closure/Termination
You may elect to close your Program Account at any time by contacting our Customer Service Team (see details below for contact information). Upon any closure or termination of your Program Account, any Points and Reward Certificates associated with your Program Account will automatically be forfeited. If you later elect to re-enroll in the Program, you will not have access to any Points or Reward Certificates associated with your terminated Program Account and your beginning balance of Points and Reward Certificates will be zero.
Updating Your Program Account
You may access and update your Program Account information by contacting our Customer Service Team (see details below for contact information). You are solely responsible for any and all activities that occur under your Program Account and to ensure that your information is accurate in order to receive all benefits of the Program.
Member Communication
You may view your Program activity by logging in to a Site and viewing your Program Account profile, or by calling our Customer Service Team (see details below for contact information). A current, valid email address is required for a Member to receive certain notices in the Program, including without limitation, information about certain Additional Earnings Activities and when you have been issued a Reward Certificate.
LIABILITY; INDEMNIFICATION
This Program is made available to you on an “as is,” “as available” basis, without representations or warranties of any kind, express or implied. To the maximum extent permitted by applicable law, Premium Brands and its affiliates, parents and subsidiaries (collectively, “the Premium Brands parties”) make no representation about the suitability of the Program for any purpose. To the maximum extent permitted by applicable law the Premium Brands parties shall not have any liability or responsibility for any errors or omissions in the Program, for your action or inaction in connection with your participation in the Program or for any damage you may incur in connection with the Program. Your participation in the Program is at your own
risk. To the maximum extent permitted by applicable law, in no event shall either the Premium Brands parties or their agents or third party providers or licensors be liable for any direct, indirect, incidental or consequential damages arising out of or in any way connected with the Program, the delay or inability to participate in the Program or otherwise arising in connection with the Program, whether based on contract, tort, strict liability or otherwise, even if advised of the possibility of any such damages .
To the maximum extent permitted by applicable law, this disclaimer of liability applies to any damages or injury caused by any failure of performance, error, omission, interruption, deletion, defect, delay in operation or transmission, computer virus, communication line failure, theft or destruction or unauthorized access to, alteration of, or use of record, whether for breach of contract, tortious behavior, negligence, or under any other cause of action. You specifically acknowledge that none of the Premium Brands parties is liable for the conduct of other Members. The limitation on damages in this section is not intended to limit Premium Brands’ obligation (if any) to pay prevailing party costs or fees, if recoverable pursuant to applicable law. The
limitations set forth in this section will not limit or exclude the Premium Brands parties’ liability for personal injury or tangible property damage caused by the Premium Brands parties, or for the Premium Brands parties’ gross negligence, fraud, or intentional, willful, malicious, or reckless misconduct.
Each Member understands and agrees that all rights under Section 1542 of the civil code of California and any similar law of any state or territory of the United States are hereby expressly waived by him/her. Section 1542 reads as follows:
“Certain claims not affected by a general release. A general release does not extend to claims which the creditor does not know or suspect to exist in his or her favor at the time of executing the release, which if known by him or her must have materially affected his or her settlement with the debtor.”
To the maximum extent permitted by applicable law, you agree to defend, indemnify and hold the Premium Brands parties harmless from and against any and all claims, damages, costs and expenses, including attorneys’ fees, arising from or related to your participation in the Program.
Modification of These Program Terms & Termination of the Program
We reserve the right to modify, restrict, suspend, or otherwise change any aspect of the Program, and/or these Program Terms from time-to-time, including without limitation, the eligibility conditions for participation in the Program, the manner in which Members participate, the manner and rates at which Points and Reward Certificates are earned and redeemed, redemption mechanisms, or what constitutes an Earning Activity, with reasonable notice to Members. We will notify you of changes to these Program Terms by posting them to the Sites, notifying you by email to the email address then associated with your Program Account, and/or using any other contact information we may have for you. The updated Program Terms will be effective as of the time of posting, or upon such later date or by such other method as specified by Premium Brands. The updated Program Terms will apply to your participation in the Program beginning as of their effective date or upon the occurrence of such other action specified by Premium Brands at the time. Should you not agree to such an amendment, you may cancel your participation in the Program as set out in “Program Account Closure/Termination.” We reserve the right to terminate the Program completely by providing you with written notice of and instructions regarding the impending termination.
CLASS-ACTION WAIVER/DISPUTE RESOLUTION/CHOICE OF LAW
Any legal dispute between you and Premium Brands concerning or arising out of these Program Terms and/or your use of the Program, shall be resolved on an individual basis in court or small claims court only (hereafter, the “Dispute Resolution Agreement”). Either you or Premium Brands may bring any individual claim in small claims court consistent with the jurisdictional and dollar limits that may apply, as long as it is brought and maintained as an individual claim.
Waiver of Right to Bring Class Action and Representative Claims. All disputes shall proceed on an individual basis. The judge is empowered to resolve the dispute with the same remedies available in court, however, any relief must be individualized to you and shall not affect any other customer. You and Premium Brands agree that each may bring claims against the other in your or their respective individual capacities and in so doing you and Premium Brands hereby waive the right to a trial by jury, to assert or participate in a class action lawsuit or class action arbitration, to assert or participate in a private attorney general lawsuit or private attorney general arbitration, and to assert or participate in any joint or consolidated lawsuit or joint or consolidated arbitration of any kind. If a court decides that applicable law precludes enforcement of any of this paragraph’s limitations as to a particular cause of action, then that cause of action (and only that cause of action) must remain in court and be severed.
Other Terms & Information
These terms shall be governed by, and interpreted, construed, and enforced in accordance with applicable federal law. To the extent state law applies to any aspect of these Program Terms, or to any disputes and claims that are covered by the Dispute Resolution Agreement, the law of the State of New York will govern. Except as set forth above, if any portion of this Dispute Resolution Agreement is deemed invalid or unenforceable, it will not invalidate the remaining portions of the Dispute Resolution Agreement.