HelpFrequently Asked Questions
General
Savvy&Smart™ is the destination for women on the Internet interested in securing their financial future. We know that women like you want more than gift cards or free gifts; you want a way to invest in a future that's specific to their life goals. As a member of Savvy&Smart?, you're part of a community of women committed to getting what they need and saving for what they want.
By shopping at www.savvyandsmart.com. and participating in the community, you earn SmartDollars that you can redeem for cash that is directly deposited into any bank account you choose.SmartDollars - it's the new cash. Each time you make a purchase, join a club, post a blog, or give a tip, a number of other things, you earn SmartDollars that are redeemable for cash that you can deposit into any bank account you choose.
It's simple. Just fill out the short online registration form and become a member instantly.
Not a dime. You can join Savvy&Smart for no cost and take advantage of all the ways you can get free money.
There are a number of ways you can earn SmartDollars. First, you can earn SmartDollars by making purchases through the site from any of our merchants, and referring your friends. Second, you can earn Bonus SmartDollars by completing surveys and reading emails from Savvy&Smart.
Yes. You can start earning SmartDollars as soon as you register for Savvy&Smart.
Certainly. The only catch is that you have to deposit SmartDollars into a bank account drawn on a US bank.
Shopping
Whatever you're looking for, you can find it shopping at www.savvyandsmart.com. We offer over 100 top brand name stores for you to choose from.
We are always negotiating with stores to offer better ways for you to earn SmartDollars. Occasionally merchants decide not to participate in our program and no longer offer SmartDollars. On the chance that happens, we work to quickly replace the merchant with another reputable choice.
When you click on a store from Savvy&Smart, you'll see a SmartWindow that tells you the store you're headed to and how many SmartDollars you'll receive from any purchase made at that store.
We can only guarantee that you'll earn SmartDollars for codes and coupons available on www.savvyandsmart.com.
Returns and cancellations are subject to the terms of the store. If you choose to return or cancel an order, all SmartDollars earned will be removed from your account balance.
If you want to exchange an item, the SmartDollars earned from that item will be cancel.
Sorry. You can't earn SmartDollars on any portion of a purchase made using gift cards or certificates.
Rewards
When you make a purchase using Savvy&Smart, the SmartDollars you earn must vest in your account for 30 days to allow for cancellations or returns. On the 31st day, your SmartDollars are automatically converted to available rewards that can be redeemed.
Sorry, you can only earn SmartDollars for the portion of a purchase that is not made with gift cards or certificates.
Depending on the store, it can take from 2 to 45 days after your goods have shipped for the store to notify us of your purchase. Bonus SmartDollars for reading emails and completing surveys can take up to 48 hours to appear in your account balance.
There are two requirements that you'll need to achieve in order to submit a redemption request. First, you must have an available balance of at least 25.00 SmartDollars. Second, at least 80% of your SmartDollars must come from purchases made through Savvy&Smart. For example, if you want to request a $50.00 deposit to your account, you will need at least 40.00 available SmartDollars.
It's quite simple to redeem your SmartDollars. Once you have more than 25.00 SmartDollars, click the Redeem tab and follow these steps:
1. Enter the amount you want to deposit into your savings account and click Continue.
2. Supply the answer to your Security Question and click Continue. If it's your first redemption request, you'll have the opportunity to select a Security Question and supply the answer.
3. The first section gives you the chance to update your personal information. Secondly, you can update or add bank accounts where your direct deposit is sent. Third, you will read the terms of use and check the box if you agree with them. Then click the submit button and your request will be processed.When you submit a redemption request, we submit the deposit to your bank electronically. While the bank is processing the deposit, the request will appear as pending on your account. It takes 3-5 days for the request to process and funds deposited to your bank account. If your rewards do not appear after 30 days, please contact Member Services.
As long as you have at least 25.00 available SmartDollars, you can submit redemption requests.
Our motto is SHOP AND SAVE YOUR WAY, which means that you earn cash money that can be used for anything that's important to you. You can deposit your rewards into any bank account you choose including savings accounts, money market accounts, 401(k)s, brokerage accounts, anywhere that accepts direct deposits.
Referrals
You will not earn SmartDollars for referring a friend; but we'll give you a percentage back on your friends' purchases.
Yes, invite your friends to join Savvy&Smart and you can earn SmartDollars each time your referrals make a purchase from one of our merchants. And if your friends invite other friends, you can earn SmartDollars on the purchases they make, too. So for example, if your friend spends $500 on Savvy&Smart, we'll deposit 5.00 SmartDollars into your account. And if your friend's friend spends another $500, then we'll deposit another 1.25 SmartDollars. And if your friend's,friend,friend spends another $500, we'll deposit another 1.25 SmartDollars that you can convert into cash and deposit in the bank account of your choice.
Site Navigation
Once you log on to www.savvyandsmart.com, click on the My Account link at the top of the page to review your account information.
You can review and update your profile when you click the My Account link at the top of the page and selecting My Profile from the left. Complete the fields and click Save to update the information.
Log on to www.savvyandsmart.com and click on the My Account link at the top of the page to update your account information.
please contact Member Services. We will send your password to the email address provided.
Your current SmartDollars balance will appear at the top of the page when you are logged into Savvy&Smart. To see a detailed view of your account, click on the My Account link at the top of the page and select My Statement on the link.
please contact Member Services.
At Savvy&Smart we want to keep you informed of the great deals and special offers from our merchants. If you wish to stop receiving emails from us please Click Here to update your email preferences. As long as you're a member of Savvy&Smart, you will receive periodic statements reviewing your current balance. If you want to discontinue receiving these emails, you will have to cancel your account.
From the My Account page, click the Set Savings Meter link on the left. Enter your savings goal and your reason for saving and click the Save button to make the updates.
As a Savvy&Smart member, you can set a savings goal for whatever is most important to you, a new home, college funds for your kids, or even more shopping! With each purchase you'll see your SmartDollars balance grow on the SavvyMeter as motivation to help you track and achieve your goal. To reset your savings meter, you must reset your savings goal.
We want you to feel like Savvy&Smart is your home on the web, so we want you to customize the content that appears on your homepage. From the top of any of the pages, click on the Customize Homepage link. Select the content you'd like to feature on your home page and click the Save button.
We'd hate for you to miss out on the chance to earn free money as a member of Savvy&Smart. But, if you find it necessary to cancel your account,please contact Member Services.
We will send your referrals an email inviting them to join Savvy&Smart. After that message we will not contact the referral again unless they join the program. We do not store referral email addresses or contact information for any purpose.
A deposit from Lealta Media will appear on your bank statement when your reward is credited to your account.
Contact our please contact Member Services. team if you have questions about your Savvy&Smart account.
No. The first time you submit a redemption request, we securely store your banking information with your account. To make sure that your account is secured, we will ask you to answer your secret question to process additional redemption requests.
You can also enter bank account information by clicking the My Account link at the top of the page and choose Update Bank Acct on the left. Complete the form and click Save to update the information.Absolutely. We encrypt all information submitted using industry-standard secure socket layer (SSL) technology and firewalls to prevent anyone from accessing your personal information.
Direct deposit is a convenient way to electronically deposit funds into your bank account using an automated financial system called the Automated Clearing House. With direct deposit, payments are available the same day they're deposited into your account.
The information that you provide by answering our surveys helps us to identify deals from our merchants that are relevant to you. To thank you for sharing information about yourself, your interests and shopping habits, we offer you SmartDollars to assist you in achieving your financial goals.
savvy&smart uses SSL 3.0, RC4 with 128 bit encryption (High); RSA with 1024 bit exchange. This is the most secure connection available on the Internet today. In order to use our website you will need to use either Microsoft Explorer 5.01 or higher, Netscape version 7.1 or higher, and FireFox 1.06 or higher. If you need to upgrade your browser, click on one of the links below:
- Microsoft Internet Explorer
- Netscape
- FireFoxWe're not snoops! Except for general shopping patterns and information about purchases we learn when crediting accounts, we DO NOT monitor where you go on the Internet. Check out our Privacy Policy.
No way. We take your privacy seriously and will not rent, sell or lease your personal information to any third party. Read our Privacy Policy for more information.
Here's a quick example. Suppose that when you joined Savvy&Smart, you set a savings goal of $1,000 for a down payment on your next car. Each time you make a purchase SmartDollars are deposited into your account so both your SmartDollars balance and your Total Rewards Saved increases. Let's say that so far you've earned 100 SmartDollars in the program. If you decide to transfer $75 from Savvy&Smart into your bank account, your SmartDollars balance would be $25 while the Total Rewards Saved towards your $1,000 goal is still $100.