Use the toggle above to switch between Premier and Basic plan levels.
| Category | Discount paid |
|---|---|
| GASGasoline, diesel, and other motor fuel purchased and paid for by the member or a member of the member's household. The fuel may be used in a personal, household, or work vehicle; no fuel-type or vehicle-use restriction applies. | $0.50/ gallon |
| GROCERIESFood and ordinary household products. | 5% |
| AMAZONPer Amazon household receipt | $20 |
| COFFEE DRINKSPrepared coffee or tea beverages. | $1.00 |
| OIL CHANGEOil change service for household vehicle per receipt. | $20 |
| HAIRCUTProfessional haircut, color, or related salon service. | $10 |
| NEW TELEVISIONNew retail television. | $150 |
| NEW VEHICLENew or used vehicle purchased by a household member. | $300 |
| NEW COUCHNew retail couch or sofa. | $150 |
| NEW TIRESPer new tire for household vehicle | $50 |
| NEW CELL PHONENew retail device; service charges are a separate category. | $100 |
| LAPTOP / TABLET / SMARTWATCHNew retail device. | 5% |
| NEW SHOESNew footwear for a household member. | $10 |
| GAMING SYSTEMNew video-game console. | $100 |
| MAJOR APPLIANCENew major household appliance. | $150 |
| SMALL APPLIANCENew small household appliance. | $20 |
| CLOTHINGEligible household clothing purchase. | 2% |
| RESTAURANTSPrepared food purchased from a restaurant. | 5% |
| ATM FEESActual ATM withdrawal fee. | 100%max $5 per receipt |
| STREAMING SERVICESEligible household streaming subscription charge. | $2/ month |
| CELL PHONE SERVICEEligible household wireless service bill. | $5/ month |
| INTERNET SERVICEEligible household internet service bill. | $5/ month |
| CABLE TV SERVICEEligible household cable television service bill. | $3/ month |
| MOVIE THEATRE TICKETSEach paid movie admission ticket shown on the receipt. | $3/ ticket |
| AMUSEMENT PARK TICKETSEach paid amusement-park admission ticket shown on the receipt. | $5/ ticket |
| SCHOOL SUPPLIESSchool or college supplies for a household member. | 5% |
| AIRLINE TICKETSEach ticketed household passenger shown on the receipt. | $50/ ticket |
| ELECTRIC PET FENCENew electric or wireless fence system for a household pet. | $100 |
| NEW BEDROOM FURNITURENew retail bedroom furniture set. | $100/ set |
| PET BEDNew bed for a household pet. | $15 |
| NEW DINING ROOM SETNew retail dining-room furniture set. | $100/ set |
| WINDOW TREATMENTSResidential blinds, curtains, shades, or similar treatments. | 5% |
| SKIN CARE PRODUCTSEligible skin-care products for household use. | $5/ receipt |
| SPA / NAIL SERVICESProfessional spa or nail service. | $20/ receipt |
| GYM MEMBERSHIPEligible household gym membership charge. | $2/ month |
| CAR WASHCar wash or detailing service for a household vehicle. | $5/ receipt |
| WATER BILLResidential water bill. | $50 |
Payment services are provided by Intuit Payments Inc. for membership-fee payments and employer remittances made through QuickBooks Payments. Armour Life Solutions LLC provides the memberships and is responsible for discount decisions and discount payments; Intuit does not provide or guarantee those memberships or discounts.
Read the complete plan document and terms. Your selected plan schedule, signed enrollment record, applicable payment or payroll authorization, privacy notice, and recorded acknowledgments form the enrollment record.
DISCOUNT ELIGIBILITY, SUBMISSION, CALCULATION, REVIEW, AND PAYMENT
The membership must be active and paid through the purchase date. Purchases made before the first eligible purchase date, during a suspension, after the paid-through cancellation date, or outside a listed category do not qualify unless Armour approves a courtesy allowance for a similar item under section 7. A valid submission for a purchase made while active remains reviewable after cancellation.
Household means the member, spouse or domestic partner, dependent child, or another person at the member's primary address whose purchase was paid from household funds. Resale, client, coworker, friend, purchased, traded, stolen, or otherwise acquired receipts are excluded. Household-paid gasoline, diesel, and other motor fuel is allowed for any vehicle, including a work vehicle.
Armour must receive the receipt by 11:59 p.m. Eastern Time on the last calendar day of the month printed on the receipt. The electronic received timestamp controls. A timely submission does not become late because Armour later requests clarification; the member ordinarily has 10 calendar days to provide requested clarification. Armour may provide reasonable disability accommodations, documented outage or emergency exceptions, and any longer period required by law.
A submission should include the Member ID and a clear complete receipt or invoice showing merchant, purchase date, qualifying item or service, quantity when relevant, amount paid, and evidence of payment. Armour may request reasonable proof of payment, identity, household address, item details, or merchant verification. A bank or card statement alone ordinarily does not establish item eligibility, except in certain cases such as a streaming service discount.
Percentage discounts are calculated on the verified gross qualifying item price before merchant coupons, discounts, credits, and returns, including sales tax attributable to qualifying items and excluding shipping, tips, and unrelated fees unless the published schedule expressly covers a fee. Percentage and unit calculations are truncated to two decimal places without rounding up; for example, $4.9786 is paid as $4.97.
One receipt may support more than one listed category only when it separately identifies qualifying items. The same item, purchase, service, or fee may not be paid twice within one plan or split among members. A member with multiple plans may submit a receipt once and receive each distinct discount for which it qualifies under those plans; no separate submission is needed for each plan. For an Everyday plan, an Amazon receipt cannot also receive a grocery or other discount when the published limitation prohibits both.
The published Discount Schedule and plan-specific limitations displayed in this flyer are part of these terms. General eligibility, household, waiting-period, same-month, verification, gross purchase, and anti-fraud rules apply to every category. Armour will not impose an undisclosed or retroactive category limit on a purchase made under the then-current schedule. Plan-specific limitations: - Amazon submissions: Maximum one Amazon receipt submission per calendar day. - Water bill submissions: Maximum four water bill submissions per Membership Year. - Clothing gross purchases: Discounts apply to up to $4,000 in eligible gross clothing purchases per Membership Year. - Major appliances: Maximum two major-appliance submissions per Membership Year. - Small appliances: Maximum two small-appliance submissions per Membership Year. - ATM fee reward: Maximum discount of $5 per ATM receipt. - Amazon and grocery: A receipt receiving an Amazon discount cannot also receive a grocery or other discount. Armour representatives may, at their discretion, approve a courtesy discount for a similar item using the rate of the closest applicable listed category. For Family Savings, examples include paper plates in place of a listed household paper product, or hot dogs, sausage, or other meats in place of listed meats. All other eligibility and submission rules and plan-specific limits still apply. A courtesy allowance is not guaranteed, does not add a permanent category, and creates no entitlement to a future allowance. Armour records the applicable category, rate, and approval.
Armour reviews complete submissions in good faith and may approve, partially approve, deny, or request information under the published schedule and these terms. Armour ordinarily communicates a decision after receiving a complete submission and issues an approved discount by check mailed to the member's mailing address within 7 to 10 business days. Direct deposit is planned but is not currently available. A documented fraud review, legal hold, postal interruption, or event beyond reasonable control may extend timing; Armour will notify the member when practicable.
A denial or reduction will identify the reason. The member may appeal in writing within 30 calendar days and provide supporting information. A reviewer not responsible for the initial decision may evaluate the appeal when practicable. Failure to provide reasonably requested information within the stated time may result in a decision on the existing record.
Members may enroll directly through Armourlife.us or through an employer that has a worksite access agreement with Armour. Employer access may offer payroll deduction or member direct payment; direct website enrollments use member direct payment. These Flyer Terms, the published Discount Schedule, the applicable signed enrollment record, payment authorization, and any required workplace cancellation notices, and the member's retained acceptance record form the membership agreement. Personalized plan, price, payment-method, effective-date, and cancellation information controls if it conflicts with general plan copy. Armour Life Solutions LLC provides a paid receipt-discount membership. It is not insurance, an investment, a bank or savings account, wage-replacement coverage, or an employer-funded benefit. Discounts depend on qualifying household purchases and timely, valid submissions.
MEMBERSHIP AND PLAN RULES
The member must be at least 18, reside in New York, provide accurate identity and contact information, voluntarily select each plan, review the complete terms before acceptance, and personally complete all required electronic acknowledgments, payment or deduction authorization, and signature. An authorized representative may explain current written materials, navigate the system, and add or remove plan choices only at the member's direction, but may not enter the member verification code, decide which plan the member selects, accept terms, authorize payment or deductions, or sign for the member. Oral statements do not change the written agreement.
The membership agreement takes effect on the day the member signs and Armour accepts the enrollment, subject to any applicable cancellation right. The Effective Date is the first payment date established at enrollment. For member direct payment, Armour sets that date and the authorized recurring bank-payment schedule to align with the member's normal direct-deposit payday for convenience. Weekly bank payments are scheduled on that payday each week; any agreed biweekly schedule is disclosed at enrollment. Bank processing, holidays, or changes to the member's payday may affect when a debit posts. Employer payroll deductions follow the employer's authorized payroll schedule and are not Armour bank withdrawals. A 30-full-calendar-day waiting period begins on the Effective Date. Only qualifying purchases made on or after the 31st calendar day following the Effective Date may earn discounts, while the plan is active and paid through. These rules do not give the member until payment clears to exercise a statutory cooling-off right and do not postpone or extend any cancellation deadline. For a covered workplace transaction, the cooling-off period runs from the transaction or signing date shown in the separate cancellation notices.
The published weekly price is $49.99 and the 52-week aggregate is $2,599.48. For payroll deduction, the exact per-paycheck amount is shown on the signed Employee Election Form and is calculated from 52 weekly fees over the employer's stated pay periods per year; cents are truncated so the scheduled total does not exceed the displayed aggregate. For member direct pay, the exact weekly or biweekly recurring amount and schedule are shown before authorization. Each recurring charge pays for the applicable membership period; Armour does not finance or extend credit for the 52-week aggregate. The aggregate is a pricing disclosure, not an accelerated balance due at enrollment or cancellation. The recurring rate is fixed during the Initial Term unless the member affirmatively accepts a lawful change.
Member direct pay: The member must separately and affirmatively select and confirm Autopay for the exact recurring amount, frequency, payment weekday, and applicable first invoice date using a bank-account/ACH payment method through the secure payment provider. Merely entering bank information or making a one-time invoice payment does not satisfy the recurring-payment requirement. Credit-card payment is not accepted. The member personally enters bank credentials with the payment provider; Armour representatives must not request, write, photograph, or email those credentials. If setup is not completed, the signed enrollment remains Payment Setup Pending and no membership activates. A material amount, frequency, schedule, or payer-email change requires a replacement Autopay authorization. Revoking the electronic-payment authorization does not by itself cancel the membership. If a recurring payment fails, Armour may provide written notice and a reasonable opportunity to update the payment method. Membership activity may be suspended after the paid-through date. If the failure is not cured, Armour may treat the membership as cancelled, stop future recurring charges, and separately invoice any lawfully assessed Early Termination Charge. Armour will not evade a revoked authorization by using a new transaction description or payment profile.
Altered, fabricated, duplicated, purchased, traded, stolen, recycled, non-household, resale, returned, unpaid, or misleading receipts are prohibited. Multiple submissions of the same purchase and material misstatements are prohibited. Armour may use reasonable verification tools, contact merchants, or request records. On reasonable evidence of material misuse, Armour may deny affected submissions, suspend review, terminate prospectively, recover actual duplicate or improper payments, preserve evidence, and refer suspected fraud. Armour does not impose arbitrary fines. Written notice and a reasonable appeal opportunity will be provided unless law-enforcement or evidence-preservation needs reasonably require delay.
Authorized processors may occasionally add a discretionary courtesy bonus to a particular redemption in the processor's discretion and judgment. Selection may be informal, irregular, and unpredictable and does not need to follow a published formula. It may not be conducted through a drawing, random number generator, entry pool, sweepstakes, contest, lottery, or advertised chance promotion, and no purchase, receipt, referral, entry, or other action gives a member a promised chance to receive a bonus. Armour records the amount, responsible processor, and required internal approval; optional internal context may be recorded when useful, but a separate reason is not required. A courtesy bonus may be up to $100 or more, but its amount and whether it is awarded are decided by Armour. A bonus is not guaranteed, is not part of the published plan payment, and creates no entitlement or precedent.
Armour may suspend or terminate prospectively for nonpayment after notice, material fraud, abuse, threats, misuse, violation of these terms, or legal necessity. If Armour terminates without member breach or discontinues the plan, no Early Termination Charge applies. Termination does not eliminate an approved discount or valid submission for a qualifying purchase made while active.
EMPLOYER ACCOUNT TERMS (IF APPLICABLE) AND CANCELLATION
Armour may clarify definitions or change a future Discount Schedule or nonprice term only prospectively after clear notice. No change reduces a discount for a qualifying purchase made before the change's effective date. If a material change substantially reduces the membership, the member may cancel before it takes effect without an Early Termination Charge.
Armour maintains enrollment, payment or payroll status, receipt, redemption, cancellation, and communication records to administer the plan, prevent fraud, respond to requests, and meet legal obligations. Payment credentials are handled by a secure payment provider and should not be emailed to Armour. Armour may use service providers under appropriate safeguards. The Member Privacy and Data Security Notice describes collection, sharing, retention, security, and privacy requests. Members should redact full account numbers, Social Security numbers, and unrelated sensitive information from receipts.
Armour is not affiliated with or endorsed by Amazon, QuickBooks or Intuit, retailers, service providers, employers, or brands referenced descriptively in the schedule. Brand names identify possible purchase sources only. An employer is not responsible for Armour's discount decisions, payments, cancellations, or data handling, except for the employer's own payroll, employment, or data responsibilities.
Discounts or courtesy payments may have tax consequences depending on the member's circumstances and applicable law. Armour does not provide tax, legal, financial, or insurance advice. The member is responsible for reporting and taxes legally due.
New York law governs to the extent permitted without reducing nonwaivable consumer rights. Federal, state, or local law controls over an inconsistent term. Nothing waives a statutory cancellation, wage-deduction, electronic-payment, privacy, fraud, electronic-signature, or other nonwaivable right. If one provision is unenforceable, the remaining provisions remain effective to the extent permitted by law.
The complete agreement consists of the applicable signed enrollment record, these accepted plan terms, the published Discount Schedule, the applicable direct-payment or payroll authorization, required cancellation notices, the Member Privacy and Data Security Notice, and later written changes accepted or lawfully made effective. Upon completed enrollment, copies of the completed and executed enrollment documents are automatically emailed to the member at the email address provided. Oral statements do not change the agreement. The terms accepted at enrollment control; later flyer revisions do not automatically amend an existing agreement. Flyer revision: NY-FLYER-2026.09.30-R6.17. Receipt submissions: discounts@armourlife.us. General support: support@armourlife.us. Mailing address: Armour Life Solutions LLC, P.O. Box 43, Annsville, NY 13308. Do not email bank credentials, Social Security numbers, or unrelated sensitive records.
These employer account provisions apply only when enrollment takes place through an employer with a worksite access agreement. Payroll deduction: The employer permits access to Armour and administers only payroll deductions that the employee has separately and voluntarily authorized. Armour administers the membership, receipt review, discount decisions, appeals, cancellations, member service, and discount payments. The employer does not decide discount eligibility, receive member receipt images, or guarantee Armour performance. The membership is an agreement between Armour and the employee, and declining or cancelling must not affect employment. Member direct pay: The employer permits voluntary informational and enrollment access. The employer does not sponsor, fund, guarantee, administer, collect, transmit, or decide membership payments or discounts and does not receive the member's bank information. The membership is a direct agreement between Armour and the member. Declining, cancelling, or not continuing a membership must not affect employment.
The employee receives or can download the completed Employee Election Form, complete accepted plan terms, electronic-signature evidence, applicable payroll authorization, workplace cancellation statement, and two Notices of Cancellation. The secure payment provider separately supplies direct-payment setup or confirmation when applicable. Documents and notices must use the principal language of the sales presentation when required by law. The member consents to routine notices by email, must keep contact information current, and may request a paper copy. The transaction-specific workplace cancellation statement and forms are delivered separately through the Armour Sync enrollment platform when applicable; they are not duplicated as detachable forms inside this general flyer.
Payroll deduction: The employee separately and voluntarily authorizes the exact selected plans, total deduction per paycheck, payroll frequency, and first deduction date. The employee may revoke the payroll-deduction authorization as permitted by law, and the employer must stop future deductions within the time required by applicable law. Stopping the deduction does not, by itself, cancel the Armour membership or eliminate obligations that remain under the signed membership terms. Membership cancellation and any alternate payment arrangement are separate processes. An Early Termination Charge may not be taken through payroll deduction. Armour invoices the member separately for any lawful charge.
Payroll deduction: A signed deduction authorization or scheduled deduction does not by itself activate the membership. Armour uses the first successfully received payment attributable to the employee only to determine activation, the start of the Initial Term, and the waiting period. A missed, incomplete, or unidentified payment may delay activation or suspend the membership after the paid-through date. It does not postpone or extend any statutory cooling-off or cancellation deadline.
CANCELLATION AND CONTINUATION
Stopping or revoking a payment method or payroll deduction prevents future transactions under that authorization after the applicable processing period, but it does not by itself cancel the Armour membership.
The plan has a 52-week Initial Term. After that, the plan continues month-to-month until cancelled. To end membership, submit a cancellation request online at armourlife.us/cancel, by emailing support@armourlife.us, by mailing a clear written request to Armour Life Solutions LLC, P.O. Box 43, Annsville, NY 13308, or through another method required by law. No reason or special wording is required. Cancellation is effective when received, ends membership activity at the paid-through date, and stops future membership charges or deductions after the applicable processing period. Cancellation before completing the Initial Term may result in the lawful declining Early Termination Charge described below; statutory cancellation rights remain unaffected.
If cancellation occurs after any applicable statutory cancellation period but before completing week 52, the maximum base Early Termination Charge for this plan is the lesser of eight weekly membership fees or $149, but never more than Armour's documented good-faith estimate of allocated unrecovered enrollment, travel, printing, payment-setup, and onboarding costs. The maximum base for this plan is $149.00. The maximum schedule is: weeks 1-13, $149.00; weeks 14-26, $111.75; weeks 27-39, $74.50; weeks 40-51, $37.25; week 52 and later, $0.00. Any lawful charge is invoiced directly to the member separately from membership fees. It is not collected through employer payroll deduction; Armour does not control employer payroll deductions. A separate electronic debit requires separate lawful authorization. The charge is intended as cost reimbursement, not a penalty.
Each plan is a separate agreement with its own 52-week Initial Term and declining Early Termination Charge schedule. If multiple plans are cancelled, any lawful charge is calculated separately for each cancelled plan under its schedule, subject to the lesser of eight weekly fees or $149 per plan and that plan's documented, reasonably allocated unrecovered costs. Shared enrollment, travel, or onboarding expenses may be allocated only once and may not be charged in full under multiple plans. Combined charges cannot exceed the total unrecovered costs reasonably attributable to the cancelled plans. Only cancelled plans are included. No charge applies to a timely statutory cancellation, Armour's material breach, Armour's discontinuation of the plan, or where law prohibits it. Armour may document a hardship waiver without creating a right to future waivers.
After week 52, the membership continues month-to-month at the then-disclosed recurring rate until cancelled. No new 52-week commitment or Early Termination Charge begins. The member affirmatively consents to continuation during enrollment and will receive a retainable confirmation and any reminder required by law.
Armour will not charge a higher recurring price without affirmative consent or another procedure expressly permitted by law. A material nonprice change will be disclosed clearly in advance. No change reduces a discount for a qualifying purchase made before the change's effective date. If required consent is not provided, Armour will not impose the increase and may end the membership at the paid-through date without an Early Termination Charge.
A timely statutory workplace cancellation receives any refund required by law. After that period, fees paid for elapsed membership periods are not refundable except for a billing error, Armour's failure to provide the membership, or where law requires otherwise. If Armour discontinues the plan, Armour will refund any prepaid amount for an unused period and no Early Termination Charge applies.
Future recurring membership fees stop, plan activity ends on the paid-through date, and no further recurring fees accrue. A timely valid submission for a qualifying purchase made while the membership was active remains reviewable. Cancellation is not conditioned on paying an Early Termination Charge, speaking with a retention representative, or giving a reason.
A failed payment or missed remittance may suspend plan activity after the paid-through date. If not cured, Armour may treat the membership as cancelled. Re-enrollment requires a new agreement, current pricing, and a new 30-day waiting period. Armour may preserve original Membership Year records when reasonably necessary to prevent duplicated plan-year limits or abuse.
| Category | Discount paid |
|---|---|
| GASGasoline, diesel, and other motor fuel purchased and paid for by the member or a member of the member's household. The fuel may be used in a personal, household, or work vehicle; no fuel-type or vehicle-use restriction applies. | $0.25/ gallon |
| GROCERIESFood and ordinary household products. | 2% |
| AMAZONPer Amazon household receipt | $10 |
| COFFEE DRINKSPrepared coffee or tea beverages. | 10% |
| OIL CHANGEOil change service for household vehicle per receipt. | $15 |
| HAIRCUTProfessional haircut, color, or related salon service. | $5 |
| NEW TELEVISIONNew retail television. | $100 |
| NEW VEHICLENew or used vehicle purchased by a household member. | $150 |
| NEW COUCHNew retail couch or sofa. | $100 |
| NEW TIRESPer new tire for household vehicle | $30 |
| NEW CELL PHONENew retail device; service charges are a separate category. | $50 |
| LAPTOP / TABLET / SMARTWATCHNew retail device. | 5% |
| NEW SHOESNew footwear for a household member. | $5 |
| GAMING SYSTEMNew video-game console. | $75 |
| MAJOR APPLIANCENew major household appliance. | $100 |
| SMALL APPLIANCENew small household appliance. | $20 |
| CLOTHINGEligible household clothing purchase. | 2% |
| RESTAURANTSPrepared food purchased from a restaurant. | 2% |
| ATM FEESActual ATM withdrawal fee. | 100%max $5 per receipt |
| STREAMING SERVICESEligible household streaming subscription charge. | $2/ month |
| CELL PHONE SERVICEEligible household wireless service bill. | $5/ month |
| INTERNET SERVICEEligible household internet service bill. | $5/ month |
| CABLE TV SERVICEEligible household cable television service bill. | $3/ month |
| MOVIE THEATRE TICKETSEach paid movie admission ticket shown on the receipt. | $3/ ticket |
| AMUSEMENT PARK TICKETSEach paid amusement-park admission ticket shown on the receipt. | $5/ ticket |
| SCHOOL SUPPLIESSchool or college supplies for a household member. | 5% |
| AIRLINE TICKETSEach ticketed household passenger shown on the receipt. | $25/ ticket |
| ELECTRIC PET FENCENew electric or wireless fence system for a household pet. | $50 |
| NEW BEDROOM FURNITURENew retail bedroom furniture set. | $100/ set |
| PET BEDNew bed for a household pet. | $10 |
| NEW DINING ROOM SETNew retail dining-room furniture set. | $100/ set |
| WINDOW TREATMENTSResidential blinds, curtains, shades, or similar treatments. | 5% |
| SKIN CARE PRODUCTSEligible skin-care products for household use. | $5/ receipt |
| SPA / NAIL SERVICESProfessional spa or nail service. | $10/ receipt |
| GYM MEMBERSHIPEligible household gym membership charge. | $2/ month |
| CAR WASHCar wash or detailing service for a household vehicle. | $5/ receipt |
| WATER BILLResidential water bill. | $50 |
Payment services are provided by Intuit Payments Inc. for membership-fee payments and employer remittances made through QuickBooks Payments. Armour Life Solutions LLC provides the memberships and is responsible for discount decisions and discount payments; Intuit does not provide or guarantee those memberships or discounts.
Read the complete plan document and terms. Your selected plan schedule, signed enrollment record, applicable payment or payroll authorization, privacy notice, and recorded acknowledgments form the enrollment record.
DISCOUNT ELIGIBILITY, SUBMISSION, CALCULATION, REVIEW, AND PAYMENT
The membership must be active and paid through the purchase date. Purchases made before the first eligible purchase date, during a suspension, after the paid-through cancellation date, or outside a listed category do not qualify unless Armour approves a courtesy allowance for a similar item under section 7. A valid submission for a purchase made while active remains reviewable after cancellation.
Household means the member, spouse or domestic partner, dependent child, or another person at the member's primary address whose purchase was paid from household funds. Resale, client, coworker, friend, purchased, traded, stolen, or otherwise acquired receipts are excluded. Household-paid gasoline, diesel, and other motor fuel is allowed for any vehicle, including a work vehicle.
Armour must receive the receipt by 11:59 p.m. Eastern Time on the last calendar day of the month printed on the receipt. The electronic received timestamp controls. A timely submission does not become late because Armour later requests clarification; the member ordinarily has 10 calendar days to provide requested clarification. Armour may provide reasonable disability accommodations, documented outage or emergency exceptions, and any longer period required by law.
A submission should include the Member ID and a clear complete receipt or invoice showing merchant, purchase date, qualifying item or service, quantity when relevant, amount paid, and evidence of payment. Armour may request reasonable proof of payment, identity, household address, item details, or merchant verification. A bank or card statement alone ordinarily does not establish item eligibility, except in certain cases such as a streaming service discount.
Percentage discounts are calculated on the verified gross qualifying item price before merchant coupons, discounts, credits, and returns, including sales tax attributable to qualifying items and excluding shipping, tips, and unrelated fees unless the published schedule expressly covers a fee. Percentage and unit calculations are truncated to two decimal places without rounding up; for example, $4.9786 is paid as $4.97.
One receipt may support more than one listed category only when it separately identifies qualifying items. The same item, purchase, service, or fee may not be paid twice within one plan or split among members. A member with multiple plans may submit a receipt once and receive each distinct discount for which it qualifies under those plans; no separate submission is needed for each plan. For an Everyday plan, an Amazon receipt cannot also receive a grocery or other discount when the published limitation prohibits both.
The published Discount Schedule and plan-specific limitations displayed in this flyer are part of these terms. General eligibility, household, waiting-period, same-month, verification, gross purchase, and anti-fraud rules apply to every category. Armour will not impose an undisclosed or retroactive category limit on a purchase made under the then-current schedule. Plan-specific limitations: - Amazon submissions: Maximum one Amazon receipt submission per calendar day. - Water bill submissions: Maximum four water bill submissions per Membership Year. - Clothing gross purchases: Discounts apply to up to $4,000 in eligible gross clothing purchases per Membership Year. - Major appliances: Maximum two major-appliance submissions per Membership Year. - Small appliances: Maximum two small-appliance submissions per Membership Year. - ATM fee reward: Maximum discount of $5 per ATM receipt. - Amazon and grocery: A receipt receiving an Amazon discount cannot also receive a grocery or other discount. Armour representatives may, at their discretion, approve a courtesy discount for a similar item using the rate of the closest applicable listed category. For Family Savings, examples include paper plates in place of a listed household paper product, or hot dogs, sausage, or other meats in place of listed meats. All other eligibility and submission rules and plan-specific limits still apply. A courtesy allowance is not guaranteed, does not add a permanent category, and creates no entitlement to a future allowance. Armour records the applicable category, rate, and approval.
Armour reviews complete submissions in good faith and may approve, partially approve, deny, or request information under the published schedule and these terms. Armour ordinarily communicates a decision after receiving a complete submission and issues an approved discount by check mailed to the member's mailing address within 7 to 10 business days. Direct deposit is planned but is not currently available. A documented fraud review, legal hold, postal interruption, or event beyond reasonable control may extend timing; Armour will notify the member when practicable.
A denial or reduction will identify the reason. The member may appeal in writing within 30 calendar days and provide supporting information. A reviewer not responsible for the initial decision may evaluate the appeal when practicable. Failure to provide reasonably requested information within the stated time may result in a decision on the existing record.
Members may enroll directly through Armourlife.us or through an employer that has a worksite access agreement with Armour. Employer access may offer payroll deduction or member direct payment; direct website enrollments use member direct payment. These Flyer Terms, the published Discount Schedule, the applicable signed enrollment record, payment authorization, and any required workplace cancellation notices, and the member's retained acceptance record form the membership agreement. Personalized plan, price, payment-method, effective-date, and cancellation information controls if it conflicts with general plan copy. Armour Life Solutions LLC provides a paid receipt-discount membership. It is not insurance, an investment, a bank or savings account, wage-replacement coverage, or an employer-funded benefit. Discounts depend on qualifying household purchases and timely, valid submissions.
MEMBERSHIP AND PLAN RULES
The member must be at least 18, reside in New York, provide accurate identity and contact information, voluntarily select each plan, review the complete terms before acceptance, and personally complete all required electronic acknowledgments, payment or deduction authorization, and signature. An authorized representative may explain current written materials, navigate the system, and add or remove plan choices only at the member's direction, but may not enter the member verification code, decide which plan the member selects, accept terms, authorize payment or deductions, or sign for the member. Oral statements do not change the written agreement.
The membership agreement takes effect on the day the member signs and Armour accepts the enrollment, subject to any applicable cancellation right. The Effective Date is the first payment date established at enrollment. For member direct payment, Armour sets that date and the authorized recurring bank-payment schedule to align with the member's normal direct-deposit payday for convenience. Weekly bank payments are scheduled on that payday each week; any agreed biweekly schedule is disclosed at enrollment. Bank processing, holidays, or changes to the member's payday may affect when a debit posts. Employer payroll deductions follow the employer's authorized payroll schedule and are not Armour bank withdrawals. A 30-full-calendar-day waiting period begins on the Effective Date. Only qualifying purchases made on or after the 31st calendar day following the Effective Date may earn discounts, while the plan is active and paid through. These rules do not give the member until payment clears to exercise a statutory cooling-off right and do not postpone or extend any cancellation deadline. For a covered workplace transaction, the cooling-off period runs from the transaction or signing date shown in the separate cancellation notices.
The published weekly price is $38.99 and the 52-week aggregate is $2,027.48. For payroll deduction, the exact per-paycheck amount is shown on the signed Employee Election Form and is calculated from 52 weekly fees over the employer's stated pay periods per year; cents are truncated so the scheduled total does not exceed the displayed aggregate. For member direct pay, the exact weekly or biweekly recurring amount and schedule are shown before authorization. Each recurring charge pays for the applicable membership period; Armour does not finance or extend credit for the 52-week aggregate. The aggregate is a pricing disclosure, not an accelerated balance due at enrollment or cancellation. The recurring rate is fixed during the Initial Term unless the member affirmatively accepts a lawful change.
Member direct pay: The member must separately and affirmatively select and confirm Autopay for the exact recurring amount, frequency, payment weekday, and applicable first invoice date using a bank-account/ACH payment method through the secure payment provider. Merely entering bank information or making a one-time invoice payment does not satisfy the recurring-payment requirement. Credit-card payment is not accepted. The member personally enters bank credentials with the payment provider; Armour representatives must not request, write, photograph, or email those credentials. If setup is not completed, the signed enrollment remains Payment Setup Pending and no membership activates. A material amount, frequency, schedule, or payer-email change requires a replacement Autopay authorization. Revoking the electronic-payment authorization does not by itself cancel the membership. If a recurring payment fails, Armour may provide written notice and a reasonable opportunity to update the payment method. Membership activity may be suspended after the paid-through date. If the failure is not cured, Armour may treat the membership as cancelled, stop future recurring charges, and separately invoice any lawfully assessed Early Termination Charge. Armour will not evade a revoked authorization by using a new transaction description or payment profile.
Altered, fabricated, duplicated, purchased, traded, stolen, recycled, non-household, resale, returned, unpaid, or misleading receipts are prohibited. Multiple submissions of the same purchase and material misstatements are prohibited. Armour may use reasonable verification tools, contact merchants, or request records. On reasonable evidence of material misuse, Armour may deny affected submissions, suspend review, terminate prospectively, recover actual duplicate or improper payments, preserve evidence, and refer suspected fraud. Armour does not impose arbitrary fines. Written notice and a reasonable appeal opportunity will be provided unless law-enforcement or evidence-preservation needs reasonably require delay.
Authorized processors may occasionally add a discretionary courtesy bonus to a particular redemption in the processor's discretion and judgment. Selection may be informal, irregular, and unpredictable and does not need to follow a published formula. It may not be conducted through a drawing, random number generator, entry pool, sweepstakes, contest, lottery, or advertised chance promotion, and no purchase, receipt, referral, entry, or other action gives a member a promised chance to receive a bonus. Armour records the amount, responsible processor, and required internal approval; optional internal context may be recorded when useful, but a separate reason is not required. A courtesy bonus may be up to $100 or more, but its amount and whether it is awarded are decided by Armour. A bonus is not guaranteed, is not part of the published plan payment, and creates no entitlement or precedent.
Armour may suspend or terminate prospectively for nonpayment after notice, material fraud, abuse, threats, misuse, violation of these terms, or legal necessity. If Armour terminates without member breach or discontinues the plan, no Early Termination Charge applies. Termination does not eliminate an approved discount or valid submission for a qualifying purchase made while active.
EMPLOYER ACCOUNT TERMS (IF APPLICABLE) AND CANCELLATION
Armour may clarify definitions or change a future Discount Schedule or nonprice term only prospectively after clear notice. No change reduces a discount for a qualifying purchase made before the change's effective date. If a material change substantially reduces the membership, the member may cancel before it takes effect without an Early Termination Charge.
Armour maintains enrollment, payment or payroll status, receipt, redemption, cancellation, and communication records to administer the plan, prevent fraud, respond to requests, and meet legal obligations. Payment credentials are handled by a secure payment provider and should not be emailed to Armour. Armour may use service providers under appropriate safeguards. The Member Privacy and Data Security Notice describes collection, sharing, retention, security, and privacy requests. Members should redact full account numbers, Social Security numbers, and unrelated sensitive information from receipts.
Armour is not affiliated with or endorsed by Amazon, QuickBooks or Intuit, retailers, service providers, employers, or brands referenced descriptively in the schedule. Brand names identify possible purchase sources only. An employer is not responsible for Armour's discount decisions, payments, cancellations, or data handling, except for the employer's own payroll, employment, or data responsibilities.
Discounts or courtesy payments may have tax consequences depending on the member's circumstances and applicable law. Armour does not provide tax, legal, financial, or insurance advice. The member is responsible for reporting and taxes legally due.
New York law governs to the extent permitted without reducing nonwaivable consumer rights. Federal, state, or local law controls over an inconsistent term. Nothing waives a statutory cancellation, wage-deduction, electronic-payment, privacy, fraud, electronic-signature, or other nonwaivable right. If one provision is unenforceable, the remaining provisions remain effective to the extent permitted by law.
The complete agreement consists of the applicable signed enrollment record, these accepted plan terms, the published Discount Schedule, the applicable direct-payment or payroll authorization, required cancellation notices, the Member Privacy and Data Security Notice, and later written changes accepted or lawfully made effective. Upon completed enrollment, copies of the completed and executed enrollment documents are automatically emailed to the member at the email address provided. Oral statements do not change the agreement. The terms accepted at enrollment control; later flyer revisions do not automatically amend an existing agreement. Flyer revision: NY-FLYER-2026.09.30-R6.17. Receipt submissions: discounts@armourlife.us. General support: support@armourlife.us. Mailing address: Armour Life Solutions LLC, P.O. Box 43, Annsville, NY 13308. Do not email bank credentials, Social Security numbers, or unrelated sensitive records.
These employer account provisions apply only when enrollment takes place through an employer with a worksite access agreement. Payroll deduction: The employer permits access to Armour and administers only payroll deductions that the employee has separately and voluntarily authorized. Armour administers the membership, receipt review, discount decisions, appeals, cancellations, member service, and discount payments. The employer does not decide discount eligibility, receive member receipt images, or guarantee Armour performance. The membership is an agreement between Armour and the employee, and declining or cancelling must not affect employment. Member direct pay: The employer permits voluntary informational and enrollment access. The employer does not sponsor, fund, guarantee, administer, collect, transmit, or decide membership payments or discounts and does not receive the member's bank information. The membership is a direct agreement between Armour and the member. Declining, cancelling, or not continuing a membership must not affect employment.
The employee receives or can download the completed Employee Election Form, complete accepted plan terms, electronic-signature evidence, applicable payroll authorization, workplace cancellation statement, and two Notices of Cancellation. The secure payment provider separately supplies direct-payment setup or confirmation when applicable. Documents and notices must use the principal language of the sales presentation when required by law. The member consents to routine notices by email, must keep contact information current, and may request a paper copy. The transaction-specific workplace cancellation statement and forms are delivered separately through the Armour Sync enrollment platform when applicable; they are not duplicated as detachable forms inside this general flyer.
Payroll deduction: The employee separately and voluntarily authorizes the exact selected plans, total deduction per paycheck, payroll frequency, and first deduction date. The employee may revoke the payroll-deduction authorization as permitted by law, and the employer must stop future deductions within the time required by applicable law. Stopping the deduction does not, by itself, cancel the Armour membership or eliminate obligations that remain under the signed membership terms. Membership cancellation and any alternate payment arrangement are separate processes. An Early Termination Charge may not be taken through payroll deduction. Armour invoices the member separately for any lawful charge.
Payroll deduction: A signed deduction authorization or scheduled deduction does not by itself activate the membership. Armour uses the first successfully received payment attributable to the employee only to determine activation, the start of the Initial Term, and the waiting period. A missed, incomplete, or unidentified payment may delay activation or suspend the membership after the paid-through date. It does not postpone or extend any statutory cooling-off or cancellation deadline.
CANCELLATION AND CONTINUATION
Stopping or revoking a payment method or payroll deduction prevents future transactions under that authorization after the applicable processing period, but it does not by itself cancel the Armour membership.
The plan has a 52-week Initial Term. After that, the plan continues month-to-month until cancelled. To end membership, submit a cancellation request online at armourlife.us/cancel, by emailing support@armourlife.us, by mailing a clear written request to Armour Life Solutions LLC, P.O. Box 43, Annsville, NY 13308, or through another method required by law. No reason or special wording is required. Cancellation is effective when received, ends membership activity at the paid-through date, and stops future membership charges or deductions after the applicable processing period. Cancellation before completing the Initial Term may result in the lawful declining Early Termination Charge described below; statutory cancellation rights remain unaffected.
If cancellation occurs after any applicable statutory cancellation period but before completing week 52, the maximum base Early Termination Charge for this plan is the lesser of eight weekly membership fees or $149, but never more than Armour's documented good-faith estimate of allocated unrecovered enrollment, travel, printing, payment-setup, and onboarding costs. The maximum base for this plan is $149.00. The maximum schedule is: weeks 1-13, $149.00; weeks 14-26, $111.75; weeks 27-39, $74.50; weeks 40-51, $37.25; week 52 and later, $0.00. Any lawful charge is invoiced directly to the member separately from membership fees. It is not collected through employer payroll deduction; Armour does not control employer payroll deductions. A separate electronic debit requires separate lawful authorization. The charge is intended as cost reimbursement, not a penalty.
Each plan is a separate agreement with its own 52-week Initial Term and declining Early Termination Charge schedule. If multiple plans are cancelled, any lawful charge is calculated separately for each cancelled plan under its schedule, subject to the lesser of eight weekly fees or $149 per plan and that plan's documented, reasonably allocated unrecovered costs. Shared enrollment, travel, or onboarding expenses may be allocated only once and may not be charged in full under multiple plans. Combined charges cannot exceed the total unrecovered costs reasonably attributable to the cancelled plans. Only cancelled plans are included. No charge applies to a timely statutory cancellation, Armour's material breach, Armour's discontinuation of the plan, or where law prohibits it. Armour may document a hardship waiver without creating a right to future waivers.
After week 52, the membership continues month-to-month at the then-disclosed recurring rate until cancelled. No new 52-week commitment or Early Termination Charge begins. The member affirmatively consents to continuation during enrollment and will receive a retainable confirmation and any reminder required by law.
Armour will not charge a higher recurring price without affirmative consent or another procedure expressly permitted by law. A material nonprice change will be disclosed clearly in advance. No change reduces a discount for a qualifying purchase made before the change's effective date. If required consent is not provided, Armour will not impose the increase and may end the membership at the paid-through date without an Early Termination Charge.
A timely statutory workplace cancellation receives any refund required by law. After that period, fees paid for elapsed membership periods are not refundable except for a billing error, Armour's failure to provide the membership, or where law requires otherwise. If Armour discontinues the plan, Armour will refund any prepaid amount for an unused period and no Early Termination Charge applies.
Future recurring membership fees stop, plan activity ends on the paid-through date, and no further recurring fees accrue. A timely valid submission for a qualifying purchase made while the membership was active remains reviewable. Cancellation is not conditioned on paying an Early Termination Charge, speaking with a retention representative, or giving a reason.
A failed payment or missed remittance may suspend plan activity after the paid-through date. If not cured, Armour may treat the membership as cancelled. Re-enrollment requires a new agreement, current pricing, and a new 30-day waiting period. Armour may preserve original Membership Year records when reasonably necessary to prevent duplicated plan-year limits or abuse.