Terms & Conditions

1.1 By creating an account, accessing, browsing, or using the Platform, or participating in the CashToken Rewards International Promotion, you are deemed to have accepted these Terms and Conditions. Your agreement allows us to grant you access to our Products and rewards.

1.2 We may update these Terms and Conditions via our website. Your continued use of the Platform constitutes acceptance of the updated Terms.

2.1 You may access our services through the following channels:

• mobile application
• other officially approved access points, as may be introduced from time to time.

2.2 To access and use the Platform, you must:

• Create an account using a valid mobile number or email address;
• Complete a verification process using a one-time password or email link;
• Provide all required personal information during onboarding.

2.3 You may be required to undergo optional biometric verification for enhanced account security. Although this step is not mandatory, it is strongly recommended for users seeking to protect their accounts and rewards.

2.4 Users are solely responsible for ensuring that all information submitted during onboarding is accurate, up-to-date, and complete. Failure to provide required details may result in access limitations or onboarding failure.

2.5 Participation & Data for Rewards: You agree to participate in the CashToken Rewards Program and understand that your transaction data will be collected and used to calculate and allocate rewards.

2.6 Marketing Communications: You consent to your email address being used to receive marketing communications, promotional offers, and updates related to the program.

2.7 Personalization & Service Improvement: You understand that your data may be used to personalize your rewards experience and improve program services.

2.8 T&C and Privacy Policy acknowledgment: You confirm that you have read and understood the program's Terms & Conditions and Privacy Policy.

2.9 Editing User Profile: Participants may request updates to their profile. Proof of ownership and supporting documentation must be submitted to the Company for such updates to be effected.

3.1 We offer a range of products on our platform, including digital Gift Cards and the CashToken Universal Gift Cards (CT Gift Cards).

3.2 Once onboarded, users may browse and purchase our displayed products or digital gift cards through the Platform.

3.3 Each product page will include essential information such as brand, price, quantity (amount), available denominations, and reward eligibility.

3.4 During checkout, you must:

• Choose the product and quantity;
• Enter recipient details, including mobile number, email address, and delivery location (where applicable);
• Confirm and reconfirm the accuracy of all submitted information before payment.

3.5 Users are solely responsible for the correctness of recipient and order information. The Company will not be held liable for issues arising from errors submitted by the user.

3.6 Redeeming Gift Cards: To redeem any Gift Card, including those purchased for a recipient, you must have a registered and verified account with a valid email address and phone number. Redemption can only occur through the provided redemption process as spelt out in the app. Kindly see app for redemption process.

4.1 All purchases must be completed using the payment methods available on the Platform, which may include debit/credit cards, mobile money, bank transfers, or third-party payment gateways.

4.2 A transaction is only deemed successful upon confirmation of payment by our system. Until payment is confirmed, no order will be processed, fulfilled, or rewarded. The Company reserves the right to modify pricing at any time before checkout is completed.

4.3 Payment processors may perform additional security checks or require two-factor authentication. The Company is not liable for delays caused by payment service providers.

5.1 A transaction may fail due to network errors, insufficient funds, invalid payment methods, or incorrect input of user data.

5.2 In the event of a failed transaction:

• No funds will be deducted, or a full refund will be issued if deductions occurred erroneously;
• The user will be notified via the Platform or email;
• Users may retry the transaction after resolving the identified issue.

5.3 The Company is not responsible for delays, losses, or consequences resulting from failed transactions unless such failure is directly caused by gross negligence or misconduct on its part.

6.1 Upon a successful purchase meeting the required spend threshold (currently set at £50), the following rewards are triggered:

• Cashback credited to your wallet or account;
• Allocation of one or more CashToken;
• Automatic entry into the CashToken Weekly Consumer Draw.

6.2 The reward scheme is powered by CashToken Rewards International Ltd, a reward technology company that enables consumers to earn instant financial value and access life-changing reward opportunities through normal spending.

6.3 Reward values are displayed to the user upon completion of an eligible transaction. Users can view their earned CashTokens in their dashboard.

6.4 Only transactions that meet the Company's threshold (minimum spend requirement) and comply with these Terms are eligible for rewards.

6.5 Rewards are non-transferable and cannot be exchanged for cash, unless expressly stated under a specific reward condition.

6.6 Rewards go to the platform user, while any purchased product is sent to the recipient whose contact details were provided at checkout.

6.7 Win Payments & Account Withdrawal

6.7.1 Any cash won by a Consumer shall be shared as follows:

• Consumer Cashout: 75%
• CashToken for Consumer: 10%
• Gift Card for Consumers: 5%
• Strategic Sales Partners: 5%
• Regulators and Marketing Contribution by Businesses: 5%

6.7.2 All Wins will be automatically paid into the CashToken Win Wallet.

6.7.3 CashToken Wins are always by cash, a percentage in CashTokens and a percentage of the service/product provided by the CCP as may be approved from time to time by the management of CashToken and communicated on the Cash Token website.

6.7.4 The cost of the CashToken is subject to statutory deductions as may have been imposed or be imposed in future by any legislation.

6.7.5 CashToken Reward Promotion Wins shall not be paid into proxy accounts.

7.1 Products or gift cards purchased via the Platform will be delivered to the recipient contact details you provide during checkout.

7.2 Delivery may be digital, via email or SMS (for gift cards and e-products).

7.3 You are solely responsible for the accuracy of recipient contact information. The Company shall not be liable for misdirected, undelivered, or misused products arising from user error.

8.1 You agree to:

• Provide truthful, complete, and accurate information at all stages of using the Platform;
• Maintain confidentiality of your account login credentials;
• Reconfirm all recipient details prior to submitting a transaction;
• Accept full responsibility for actions taken under your account.

8.2 The Company reserves the right to suspend or terminate accounts found to have submitted fraudulent, misleading, or incomplete information.

9.1 You agree to defend, indemnify and hold harmless CashToken Rewards International Ltd, its affiliates, officers, employees, contractors, partners, and licensors from and against all liabilities, claims, damages, losses, and expenses (including legal fees) arising out of or in connection with:

• Your use or misuse of the Platform;
• Your violation of these Terms;
• Any false or misleading information provided during onboarding or transaction;
• Infringement of any intellectual property or third-party rights.

9.2 This clause survives termination of your access to the Platform.

10.1 The CashToken Universal Gift Card will be available in two (2) denominations: £50 and £100. The card will be redeemable across a wide range of partnered merchants, allowing users to do the following:

• (i) Redeem in-store and online using a barcode, Quick Response (QR) code, or pin.
• (ii) Partially redeem the card across different brands and save the remaining balance for future use.
• (iii) Pay the outstanding amount if a transaction exceeds the card's value.

10.2 Users can purchase the CT Gift Card through various channels, as listed in Clause 2.1 above. Upon purchase, the CT Gift Card will be delivered to the user via email, Short Message Service (SMS), or through the application wallet (digital storage). The card's value will be stored in the CashToken Digital Wallet, accessible via the mobile application and website interface.

10.3 Redemption: Users can redeem the CT Gift Card at any merchant partnered with CashToken through the following methods:

• (i) In-store redemption: By using a barcode, QR code, or PIN at the point of sale.
• (ii) Online redemption: By entering a digital code at checkout.

10.4 The CT Gift Card allows for partial redemption, enabling users to combine the card with another payment method; supports multi-brand usage, allowing redemption across various participating brands; and permits balance top-up, so if a transaction exceeds the card value, users can pay the difference using an additional method of payment.

11.1 The Company collaborates with merchants to ensure compatibility with their systems for both in-store and online redemptions. Merchant integration may occur through Point-of-Sale (POS) plugins, e-commerce platforms, or Application Programming Interfaces (APIs). Technical support will be provided to merchants for troubleshooting and redemption assistance.

11.2 Merchant reconciliation will be offered through two (2) models, each incorporating a five percent (5%) to ten percent (10%) commission or discount on the card's face value:

• (i) Traditional Reconciliation: The Company enters into commercial agreements with merchants to enable tracking and reporting of redemptions.
• (ii) Pay-on-Redemption (Deferred Settlement): Merchants use an API or web dashboard to report redemptions, and CashToken settles payments based on actual usage.

11.3 The Company retains a margin from CT Gift Card sales or negotiates custom commission agreements with merchants to ensure a sustainable and mutually profitable partnership.

Prices listed on the Platform include applicable taxes and fees unless otherwise stated. Taxes may apply when products purchased on our Platform.

13.1 All purchases are final. No refunds or exchanges unless the product is defective and the issue originates from us or our service providers.

13.2 If a CT Gift Card is faulty due to technical or processing issues, please contact customer support with proof of purchase. If the card has already been used, we may not process a refund unless legally obligated. We are not responsible for any third-party product refunds purchased with redeemed cards.

14.1 Treat CT Gift Cards like cash. Lost or stolen cards are not replaceable or refundable. The bearer of the digital or physical gift card is deemed its owner.

14.2 In case of loss or theft of your mobile device or account access, contact us immediately. Unauthorized use before deactivation is not our responsibility.

15.1 When you apply for registration, you will be required to nominate an account password. You must enter your correct User ID and password to access your CashToken account. It is your responsibility to ensure that no other person accesses your CashToken account or makes purchases using your registration details.

15.2 You must not disclose your password to anyone. You will be responsible for any use of your account by any other person, and we expressly disclaim liability in this regard. Participants undertake to indemnify CashToken for any loss incurred on account of the disclosure of registration details to third parties.

15.3 We recommend activating passcodes or biometric locks on your device for added security. Although this step is not mandatory, it is strongly recommended for users seeking to protect their accounts and rewards. You are liable for all transactions unless we are proven negligent.

We strive to maintain accurate product descriptions, prices, and partner listings. In the event of an error, we may cancel or correct your order and offer a refund if necessary. We do not guarantee all displayed information is free of errors or up to date at all times.

17.1 You expressly understand and agree that CashToken shall not be liable for any direct, indirect, incidental, special, consequential, or exemplary damages, including but not limited to, damages for loss of profits, goodwill, use, data, or other intangible losses resulting from:

• (i) The use or the inability to use the CashToken Reward Promotion service;
• (ii) The cost of procurement of substitute goods and services resulting from any goods, data, information, or services purchased or obtained or messages received, or transactions entered into through or from the service;
• (iii) Unauthorized access to or alteration of your transmissions or data;
• (iv) Statements or conduct of any third party on the service; or
• (v) Any other matter relating to the service.

17.2 Any legal proceedings against the CashToken Reward Promotion in respect of Wins must be instituted within three (3) months from the date of the draw. Failing this, any claim from such proceedings is deemed to have been extinguished.

18.1 These Terms and Conditions shall be governed, interpreted, and construed in accordance with the laws of the United Kingdom, without regard to principles of conflicts of law.

18.2 If any dispute or claim arises out of or in relation to this Agreement and if such matter cannot be settled through direct discussions between us and you, you hereby expressly consent to the exclusive jurisdiction of the High Court of London.

In these Terms and Conditions, the following expressions shall have the meanings ascribed to them below, unless the context otherwise requires:

"Account"

means the unique user profile created on the CashToken platform upon registration, used to track CashToken earnings, gifting, winnings, and redemptions.

"Application Channels"

means all digital or physical mediums through which the CashToken Reward Promotion can be accessed, including the website, mobile application, USSD, SMS, QR codes, enabled POS terminals, and partner merchant platforms.

"CashToken"

means the digital unit of reward issued by CashToken Rewards International Ltd to Participants or Consumers following eligible purchases or gifting transactions, qualifying the holder for a chance to win cash rewards and access gift card redemptions.

"CashToken Gifting"

means the process by which a Cash Consumer Partner (CCP) transfers earned or purchased CashTokens to a designated Consumer.

"CashToken Universal eGift Card"

means a non-reloadable digital card that may be exchanged for one or more third-party Retailer Gift Cards via the CashToken platform, subject to applicable limits, expiry, and redemption rules.

"Cash Consumer Partner (CCP)"

means a business, merchant, or entity registered with CashToken for the purpose of purchasing and distributing CashTokens to Consumers as part of their customer engagement or reward initiatives.

"Consumer"

means the end-user who receives CashTokens through transactions or gifting and may redeem or participate in CashToken draws.

"Draw"

means the randomized selection process operated by CashToken through which Consumers with valid and active CashTokens stand a chance to win monetary or other predefined rewards.

"Gift Card"

means a digital voucher or prepaid card issued by a Retailer or third party, redeemable for goods or services at participating merchants.

"Mobile Application"

means the official CashToken smartphone app available for Android and iOS devices, which enables Consumers to manage accounts, gift, redeem, or view their CashToken activity.

"Participant"

means any individual or business entity that accesses, uses, or participates in the CashToken Reward Promotion in any capacity, including CCPs and Consumers.

"Platform"

means the technology infrastructure including the website, applications, servers, and backend systems through which the CashToken Reward Promotion is operated.

"Prize Fund"

means the aggregate pool of funds reserved for disbursement to winning Participants in the Draw.

"Unclaimed Wins"

means Wins that have not been claimed by the respective winners within the prescribed claim period (not less than 180 days from the Draw date).

"User ID"

means the unique identifier (email or phone number) used to register and access a Participant's account on the CashToken platform.

"Win" or "Winnings"

means any cash or other reward awarded to a Participant as a result of a successful Draw entry made using valid CashTokens.