Guarantee is valid on a annual pre-paid agreement only. Eligibility for a refund goes in to effect 365 days after initial date of purchase. To become eligible for refund after 365 days, a M&T Bank customer must share their app with one (1) person per week for an entire year and accumulate a total of fifty-two (52) Tappers (End Users) as well as send in documentation showing that M&T Bank was not a profitable part of their business. M&T Bank considers any Tapper (End Users) that becomes a closed deal and generates more revenue than the cost of M&T Bank's services to void the 365-Day money back guarantee. A 365-Day money back guarantee must be requested in writing along with a signed and notarized affidavit stating that less money was made using some or all of M&T Bank's services than was spent on the service itself. By redeeming the 365-Money Back Guarantee, M&T Bank's customers will have their service cancelled and their mobile application terminated.