Welcome to Oxygen!

Thanks for using our products and services.

Last Update September 1st, 2018

Please carefully review the following rules that govern your use of our Site and also read our Privacy Notice regarding the information that you provide to us. These Terms and Conditions of Use (“Terms of Use”) apply to the World Wide Web site owned, operated, licensed, and controlled by ReliefClub, Inc. DBA Oxygen (“Oxygen”), including its related, affiliated, or subsidiary companies (collectively, the “Site”). This Site is the property of ReliefClub, Inc.. By using this Site, you agree to these Terms of Use; if you do not agree, do not use this Site.

Oxygen reserves the right at its sole discretion, to change, modify, add or remove portions of these Terms of Use, at any time. It is your responsibility to check these Terms of Use periodically for changes. Your continued use of the Site following the posting of changes will mean that you accept and agree to the changes.

As long as you comply with these Terms of Use, Oxygen grants you a personal, non-exclusive, non-transferable, limited privilege to enter and use the Site and access its services including the opportunity to apply for a personal credit, access free credit scores, access free personal financial management tools, and redeem points for cash and/or gift cards (the “Services”).

Oxygen provides bank accounts and an application for managing cash flow and other financial data. Please note that Oxygen is not a credit repair company. We do not provide credit repair services to repair your credit profile or score. Our Services are meant only as an aid to assist you in organizing and managing your finances and with Premier you get access to credit even out cash flow gaps. All information is provided for educational use only. The Service is not intended provide any legal, tax or financial advice. You acknowledge that your personal financial circumstances are unique, and that before any information you obtain through the Service is acted upon, you should obtain the advice of a financial advisor or other financial planning professional who is aware of your personal financial circumstances.

Oxygen Premier

Oxygen Premier is a membership program where members get access to members-only benefits.
Membership applications are subject to review, and approval depends on a variety of underwriting factors including verification of your identity, your income, positive balance in your bank account, and more. Applicants must be at least 18 years of age or older and reside in a state where we can offer Oxygen Premier.
Applying for membership does not require a good credit score. As part of reviewing your application a soft credit inquiry is generated but is only visible to you and does not affect your credit score.
Premier credit requests submitted via the Oxygen’s mobile app Mon – Fri before 11:00am ET are typically funded the same business day. Results may vary; your bank may have rules that could limit our ability to credit your account. Oxygen is not responsible for any delays which may occur due to errors with your financial institutions, such as incorrect account or routing numbers. In case of any suspicious behavior or a possibility of suspected fraud, Oxygen has the right to debit the account(s) that received the funds accordingly.

Intellectual Property

This Site, the content, any materials downloaded, and all intellectual property pertaining to or contained on the Site (including but not limited to copyrights, patents, database rights, graphics, designs, text, logos, trade dress, trademarks and service marks) are owned by ReliefClub, Inc. DBA Oxygen or third parties and all right, title and interest therein shall remain the property of Oxygen and/or such third parties (collectively, the “Content”).

Electronic Communications

When you visit www.GetOxygen.com or send emails to us, you are communicating with us electronically and you consent to receive communications from us electronically to the extent permissible by law. We will communicate with you by email or by posting notices on this Site. You agree that all agreements, notices, disclosures and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing to the extent permissible by law.
You agree that we may send emails to you for the purpose of advising you of changes or additions to this Site, about any of our products or services, or for such other purposes as we deem appropriate and as permissible by law.

Credit Reports/Credit Scores

If a free credit score is offered to you, this report will carry no fee and is for your personal free use (Oxygen will pay TransUnion on your behalf). You are also entitled by law to receive one free credit report from each of the national credit reporting agencies (Experian, Equifax, and TransUnion) during any twelve-month period. For more information on obtaining your free annual credit report from the national credit reporting agencies, visit AnnualCreditReport.com or the Consumer Financial Protection Bureau.

Personal Financial Management Services

To make full use of the Service you will need to link your account on the Service with accounts you maintain at third party financial institutions which have records of your financial transaction history, such as bank accounts, savings accounts, and credit cards. By submitting information, data, passwords, usernames, PINs, other log-in information, materials and other content to Oxygen through the Services, you are licensing that content to Oxygen for the purpose of providing the Services. Third party verified data vendors may use and store the content in accordance with this Agreement and our Privacy Statement. You represent that you are entitled to submit it to Oxygen for use for this purpose, without any obligation by Oxygen to pay any fees or be subject to any restrictions or limitations. By using the Services, you expressly authorize Oxygen to access your Account Information maintained by identified third parties, on your behalf as your agent. Oxygen will submit information including usernames and passwords that you provide to log into the Site. You hereby authorize and permit Oxygen to use and store information submitted by you to accomplish the foregoing and to configure the Services so that it is compatible with the third party sites for which you submit your information. For purposes of this Agreement and solely to provide the Account Information to you as part of the Services, you grant Oxygen a limited power of attorney, and appoint Oxygen as your attorney-in-fact and agent, to access third party sites, retrieve and use your information with the full power and authority to do and perform each thing necessary in connection with such activities, as you could do in person.


You understand and agree that the Services are not sponsored or endorsed by any third parties accessible through the Services Oxygen is not responsible for any payment processing errors or fees or other Services-related issues, including those issues that may arise from inaccurate account information. Oxygen cannot always foresee or anticipate technical difficulties that may result in failure to obtain data or loss of data. Oxygen is not responsible for the accuracy, timeliness, deletion, non-delivery or failure to store user data, communications, or personal settings. Account information obtained through third-parties is only as fresh as the time updated. Such information may be more up-to-date when obtained directly from the relevant third party sites. You can refresh your Account Information through the Services as instructed in your account.