Terms of Service

Last updated: August 21, 2026

These Terms of Service (the “Terms”) are a binding agreement between Greenfence Consumer, LLC, doing business as GFT Rewards (“GFT,” “we,” “us,” or “our”), and each person or business that accesses or uses any GFT website, application, account, software, application programming interface, marketplace, wallet, reporting tool, or other technology or service (collectively, the “Platform”).

BY SELECTING “CREATE ACCOUNT,” “SIGN IN,” “CONTINUE,” “ACCEPT,” OR A SIMILAR BUTTON; BY ACCEPTING AN APPROVED BUSINESS ROLE AGREEMENT; BY CREATING, FUNDING, PUBLISHING, ADMINISTERING, ACQUIRING, TRANSFERRING OR REDEEMING A REWARD; BY TRANSMITTING DATA TO THE PLATFORM; OR BY OTHERWISE ACCESSING OR USING THE PLATFORM AFTER BEING PRESENTED WITH REASONABLY CONSPICUOUS NOTICE THAT THE ACTION CONSTITUTES AGREEMENT, YOU AGREE TO THESE TERMS. THESE TERMS CONTAIN A BINDING INDIVIDUAL ARBITRATION AGREEMENT AND CLASS-ACTION WAIVER. EXCEPT FOR THE LIMITED SMALL-CLAIMS AND COURT RELIEF EXPRESSLY PERMITTED BY SECTION 27, YOU AND GFT AGREE TO RESOLVE DISPUTES THROUGH INDIVIDUAL ARBITRATION. PLEASE REVIEW SECTION 27.

If you act for a business, you represent that you are authorized to bind it. Our Privacy Policy, available at gftrewards.com/privacy-policy, is separately presented and governs our handling of personal information.

The Platform is currently intended for United States users, U.S. campaigns, U.S. retail locations and U.S.-facing online checkout channels, and U.S.-dollar transactions. You must be at least 18 years old. The English version controls; any translation is provided for convenience.

Agreement Structure, Roles and Definitions
Accounts, Authority and Electronic Communications
The Platform and GFT’s Role
Platform License, Intellectual Property, Acceptable Use and Automated Agents
Privacy, Data and Security
User and Business Materials; Publicity; Rights Complaints
Suspension, Payment Holds, Termination and Service Changes
Shopper and Reward Terms
Redemption, Voids, Returns and Refunds
Gift Cards, Stored Value, Debit-Card and Other Regulated Rewards
GFT Business User Agreement
Confidentiality and Rate Cards
Business Warranties, Indemnification and Insurance
Business Liability Limits
Marketer and Campaign Terms
Campaign Funding and Wallet Balances
GFT Distribution Fee
Redemption, Settlement, Taxes and Authoritative Records
Marketer Materials, Reporting and Data Use
Restricted Campaigns and Special Promotion Types
Marketer Agreement
Retailer Agreement
Point-of-Sale and eCommerce Provider Agreements
Reseller Agreement
Software, APIs, Technical Policies and Third-Party Services
Disclaimers and Shopper Liability Limits
Arbitration, Class-Action Waiver and Governing Law
General Provisions

Part I - Terms for all users

1. Agreement structure, roles, and definitions

1.1 Roles and Approved Role Agreements

These Terms apply to all users. Part III is a separate “GFT Business User Agreement” that applies to each Business User and incorporates Parts I, VI and VII. A “Shopper” is an individual who receives, acquires, holds, transfers, cashes out or Redeems a Reward. A “Business User” is a person or business using the Platform for a commercial purpose.

GFT may approve a Business User for one or more of the following roles and make the corresponding online agreement available through a gated process:

a “Marketer” creates, funds, administers or sponsors a Campaign and may be, for example, a brand owner, agency, or consumer packaged goods manufacturer;
a “Retailer” operates an enabled physical store or U.S.-facing online checkout channel, accepts Rewards or transmits Retailer Data;
a “Point-of-Sale Provider” owns, licenses, hosts, supports or integrates point-of-sale or checkout technology used for Redemptions;
an “eCommerce Provider” owns, licenses, operates or supports an online storefront, checkout, order-management or commerce platform used for Redemptions; and
a “Reseller” identifies, introduces, sells, commercializes, implements, supports or otherwise facilitates GFT participation for approved businesses or channels.

A Business User may perform more than one role. Each accepted Role Agreement and its obligations apply cumulatively, and the Business User may receive each distinct payment earned for each distinct role, even where it also pays a Distribution Fee as a Marketer for the same Redemption. Subject to the timely dispute and correction process in Section 11.5, GFT’s Platform and settlement records control the roles performed, qualifying activity, attribution and resulting payments. An “Affiliate” is an entity that directly or indirectly controls, is controlled by, or is under common control with the applicable Business User. “Program Policies” means policies, rules, security standards and technical requirements that GFT makes available through or in connection with the Platform.

1.2 Campaigns, Rewards and Manifest

A “Campaign” is a promotion created, funded or administered through the Platform. A Campaign is “Published” when its Rewards are made available through the Platform. A “Reward” is a coupon, discount, rebate, basket-level benefit, temporary price reduction, buy-X-get-Y offer, passive or automatic benefit, sample, cash-back benefit, gift card, stored-value or debit-card reward, game, sweepstakes or contest benefit, digital collectible, or other GFT-approved Shopper incentive issued or made available under a Campaign.

Each Campaign is defined by the current digital campaign manifest maintained in the Platform (the “Manifest”). The Manifest is the sole authoritative record of the Campaign’s operational and economic parameters, including eligible products, UPCs or SKUs, participating Retailers, stores and channels, geography, dates, Reward value, budget, quantities, limits, transferability, stacking rules, funding, the applicable confidential Distribution Fee rate, and changes made through the Platform. Exports, screenshots, emails, purchase orders and other copies do not override the current Manifest. A Retailer, Point-of-Sale Provider, Reseller or eCommerce Provider ordinarily will not have a Manifest except to the extent its activity concerns a Campaign, Redemption or settlement process.

1.3 Order of Precedence

If documents conflict, the following order applies: (a) a written customer-specific amendment signed or electronically accepted by both GFT and the affected Business User that expressly identifies the provision it changes; (b) a signed privacy, security, data-processing, cardholder, issuer or regulated-program addendum, solely for its subject; (c) the applicable approved Role Agreement and its confidential Rate Card, solely for role-specific obligations and economics; (d) the current Manifest, solely for Campaign operational and economic parameters; (e) the GFT Business User Agreement for Business Users; (f) the remaining provisions of these Terms; and (g) Program Policies, technical documentation and other Platform rules. A Role Agreement, Rate Card, Manifest or lower-priority document does not amend indemnification, liability, intellectual-property ownership, dispute resolution or another legal risk-allocation term unless it expressly identifies the provision changed and is accepted by both affected parties. A purchase order, vendor-portal term, service ticket or other user document is administrative only and does not modify these Terms unless accepted by both GFT and the affected Business User and expressly stating the modification.

1.4 Updates

GFT may amend these Terms, Program Policies and Platform rules. GFT will provide at least 15 days’ advance notice of a material change that adversely affects a Business User, unless the change is reasonably necessary to address law, regulation, fraud, abuse, security, a provider requirement, a new or changed feature that does not materially reduce the user’s rights, or another urgent risk. Other changes may become effective when posted. For a material change affecting a Shopper, the arbitration agreement, or a disclosure to a Shopper required by applicable consumer law, GFT will provide the notice and obtain any renewed assent required by applicable law. The current version applies prospectively when you next sign in or continue using or participating in the Platform after its effective date. No amendment reduces compensation already earned or retroactively changes a dispute for which written notice was given under Section 27.1 before the amendment’s effective date, unless applicable law permits or the parties agree. Rate changes are governed by the applicable Role Agreement, Rate Card and, for Campaign rates, the Manifest.

2. Accounts, authority, and electronic communications

2.1 Accounts, Eligibility and Approval

You must provide accurate, complete and current information and use only accounts you are authorized to use. A Shopper account may use a telephone number as its primary identifier. A Business User must provide its legal identity and any verification, banking, tax, beneficial-ownership, authority, sanctions, fraud-prevention or compliance information GFT or its providers reasonably request. Business access and each requested role are subject to GFT approval. GFT may approve, reject, suspend, reverify, condition or limit any account or role and may designate an unused account as inactive.

2.2 Credentials and Authorized Users

You are responsible for credentials, devices, authorized users and all actions taken through your account. Business Users are responsible for their Affiliates, agencies, media buyers, employees, contractors and other administrators as if their acts and omissions were the Business User’s own. GFT may rely on account instructions without further inquiry. You must use reasonable security, promptly remove unauthorized access, and notify GFT immediately of suspected compromise.

2.3 Electronic Acceptance, Records and Notices

You consent to electronic agreements, signatures, records, disclosures and communications. Selecting an acceptance button or otherwise completing the acceptance flow for these Terms or an approved Role Agreement constitutes your electronic signature and agreement on behalf of the identified person or business when the notice and links are reasonably conspicuous and the action clearly states that it signifies agreement. GFT may retain the account, user, authority representation, date and time, document version, acceptance-screen version and available technical records as evidence. Where applicable law requires separate consent, hardware or software disclosures, or another process for electronic delivery, including under the E-SIGN Act, GFT will provide that process separately. GFT may communicate through the Platform, email, text message, push notification or other electronic means. Electronic records satisfy writing, signature and retention requirements to the extent permitted by law, and you may retain copies for your records.

2.4 Text Messages and Push Notifications

Where you separately consent, GFT Rewards may send recurring promotional text messages or push notifications. Consent is not a condition of purchase. Message frequency varies; message and data rates may apply. You may revoke text consent through STOP or any other reasonable method GFT is required to honor, and may request help through HELP or the support method displayed when consent is obtained. GFT will make revocation effective within the period required by applicable law and may send a single nonpromotional confirmation of the revocation where permitted. You may disable push notifications through your device or account settings. Transactional or legally required communications may continue where permitted by law. GFT’s consent records do not authorize a Marketer or Retailer to contact you independently, and GFT does not provide them with an exportable list of Shopper telephone numbers or GFT text-message consents.

3. The platform and GFT's Role

3.1 Technology and Limited Payment Role

GFT provides technology that enables Campaign creation, funding, Reward distribution, real-time Reward availability and applicability checks, Redemption validation, settlement, reporting and related functions. To the extent applicable to a user’s activity, the user authorizes GFT to instruct or arrange with GFT’s licensed payment or money-transmission provider the receipt, holding, allocation and transmission of funds, and to process or arrange payments, refunds, reversals, adjustments and deductions expressly authorized by these Terms, a Role Agreement, a Rate Card or the Manifest. Regulated funds handling is performed by the applicable licensed provider, not by GFT. GFT is not a media agency, creative consultant, legal adviser, product seller, product manufacturer, broker, Retailer, or promoter of a Marketer’s products. Except for this limited payment and settlement role, GFT is an independent contractor and is not an agent, fiduciary, partner or joint venturer of any user.

3.2 Third Parties

Retailers, Marketers, issuers, banks, licensed money-transmission providers, point-of-sale providers, resellers, processors, networks, promoters and other participants are independent third parties. GFT does not control or warrant their products, systems, inventory, content, availability, checkout treatment or conduct. Their separate terms may apply.

3.3 Platform Changes and Availability

GFT may immediately add, change, redesign, restrict, suspend or discontinue a Platform function, account type, Campaign type, Retailer, store, channel, integration or service where reasonably necessary for law, regulation, security, fraud or abuse prevention, a provider direction, Platform integrity or consumer protection. For a material change or discontinuation of core Business User functionality not based on those reasons, GFT will provide reasonable advance notice where commercially practicable. GFT generally targets Platform availability of 99.9% and ordinarily makes transaction-level records available through the Platform for at least 24 months, excluding scheduled maintenance, third-party systems and networks, Retailer or point-of-sale systems, user-caused issues, security events and circumstances beyond GFT’s reasonable control. These are operational objectives, not service levels, warranties or service-credit commitments. GFT may retain records longer as described in these Terms or the Privacy Policy.

3.4 No Guaranteed Results

GFT does not guarantee Reward availability, issuance, acquisition, transfer, Redemption, sales, incremental lift, store traffic, return on spend, Shopper adoption, Retailer participation, settlement timing, or any other Campaign or business result. Any forecast, estimate, benchmark, recommendation, implementation guidance or suggested configuration is informational only, and the user remains responsible for its decisions and results.

4. Platform license, intellectual property, acceptable use, and automated agents

4.1 Limited License

Subject to these Terms, GFT grants you a limited, revocable, nonexclusive, nontransferable and nonsublicensable right to access and use the Platform for your authorized role. Shopper use must be personal and lawful. Business use is permitted only for the business purposes and Platform functions GFT authorizes.

4.2 GFT Rights

GFT and its licensors own all rights in the Platform, software, APIs, algorithms, models, payment and settlement rails, rules engines, interfaces, dashboards, schemas, documentation, system configurations, data architecture, methods, know-how, records, analytics, improvements, trademarks, copyrights, patents, patent applications, trade secrets and other intellectual property (“GFT Technology”). No rights are granted by implication. Feedback may be used by GFT without restriction or compensation, provided GFT does not publicly disclose the submitter’s Confidential Information.

4.3 Prohibited Conduct

You may not, directly or indirectly:

copy, frame, scrape, crawl, harvest, mirror, resell, sublicense or commercially exploit GFT Technology except as expressly permitted;
reverse engineer, decompile, disassemble, discover source code or non-public methods, bypass security or rate limits, or conduct unauthorized penetration, vulnerability, stress or benchmark testing;
interfere with the Platform, submit malicious code, use automated means not authorized by GFT, replay or duplicate requests, manipulate Rewards, accounts, rankings, records or settlement, or engage in fraud or abuse;
use the Platform, GFT data, non-public reports or transaction information to build, train, fine-tune, benchmark, improve or support a competing rewards, settlement, retail-media, data, analytics, audience or artificial-intelligence product; provided that this restriction does not prohibit a product or service independently developed without use of GFT Technology, Confidential Information or non-public GFT data, and does not restrict a user’s use of data that it independently collected or created outside the Platform or supplied to GFT, except that no such data right grants the user any right in GFT Technology, GFT API responses, Platform or CRM records, Retailer Data supplied by another party, GFT-derived reports or analytics, or another participant’s data;
use another person’s account or Reward without authority, buy or sell a Reward, create false identities, misrepresent authority, or evade Campaign limits;
use the Platform in violation of law, sanctions, export controls, third-party rights, these Terms or GFT instructions; or
use GFT’s name, marks or relationship in a misleading, disparaging or unauthorized manner.

GFT may monitor, investigate and preserve evidence of suspected misuse, but has no duty to monitor every user or Campaign.

4.4 Automated Agents

If you deploy, enable or authorize a bot, software agent, artificial-intelligence system or other automated tool to access or interact with the Platform, it must use approved credentials and documented interfaces, accurately identify itself when technically requested, comply with GFT’s agent, API, security and rate-limit requirements, and remain under your control and responsibility. It may not disguise or rotate identities to evade controls, scrape, reverse engineer, use GFT materials or data to train or improve an external model, or continue access after GFT directs such access to stop or change. Ordinary approved point-of-sale and eCommerce API calls are permitted automation when made in accordance with the applicable Role Agreement and technical requirements. GFT may technically limit or block any automated access.

5. Privacy, data, and security

5.1 Privacy Policy and Roles

The Privacy Policy explains GFT’s collection, use and disclosure of personal information and users’ privacy rights. GFT’s legal role depends on the data and purpose. GFT may act as an independent business, controller or equivalent party for GFT accounts, communications, Reward selection and delivery, Platform operation, security, fraud prevention, legal compliance, private artificial-intelligence and machine-learning models, and permitted aggregated or de-identified uses. GFT may act as a service provider, processor or contractor when processing personal information for a Retailer or other business for specified purposes under the applicable Retailer Agreement, Role Agreement or data-processing addendum.

5.2 Automated Reward Selection and Private Models

GFT may use account, transaction, basket, Campaign and other permitted data, including through private artificial-intelligence and machine-learning models, to identify, rank, select, issue, display and optimize Rewards or Shopper segments within the Platform; operate, secure and improve the Platform; forecast performance; and prevent fraud, in each case as described in the Privacy Policy and applicable notices. GFT does not make its private models or model-training data available to Marketers or Retailers. GFT does not provide Shopper-level personal information to Marketers except under a separate legally compliant written arrangement; any Retailer access to Shopper-level data is governed by its Retailer Agreement and applicable law. These Terms do not replace any notice, consent, opt-out, access, appeal or other right required by applicable law, and GFT will provide such rights on GFT-controlled surfaces when required.

5.3 Aggregated and De-Identified Data

GFT may create, retain, use and disclose aggregated or de-identified data for lawful purposes, including operations, analytics, benchmarking, product development, model development, security and reporting. GFT will maintain reasonable measures designed to ensure that de-identified data cannot reasonably be associated with a person, household or device; will make any public or contractual commitment required by law to maintain and use it in de-identified form; will not attempt to re-identify it except to test safeguards, investigate fraud or security, comply with law, or as otherwise permitted by law; and will require recipients to comply with applicable de-identification restrictions.

5.4 Security and Incidents

GFT maintains administrative, technical and physical safeguards reasonably designed for the nature of the information and its processing. GFT’s controls are informed by recognized practices but do not represent an ISO 27001 or other certification unless GFT expressly states otherwise. After confirming a security incident affecting personal information or a business customer’s data, GFT will notify the affected business customer or user without undue delay and within the period required by applicable law, subject to law-enforcement restrictions and the information reasonably available.

5.5 Retention

GFT retains account, consent, Manifest, Redemption, settlement, support, security and transaction records only for as long as reasonably necessary and proportionate for the disclosed purposes, legal obligations and dispute-resolution needs. Consent, Manifest, Redemption, settlement, tax, accounting and security records are ordinarily retained for up to seven years, but a shorter or longer period may apply based on law, provider rules, a legal hold, a claim or protected backups. When personal information is no longer reasonably needed, GFT will delete or de-identify it as required by applicable law. Genuinely de-identified data may be retained indefinitely.

6. User and business materials; publicity; rights complaints

6.1 Materials and License

A Business User retains ownership of names, marks, product information, creative, content, data and other materials it supplies (“User Materials”). It grants GFT a nonexclusive, worldwide, royalty-free license, sublicensable to participating Retailers, processors, technology providers and distribution partners, to host, reproduce, format, display, transmit, distribute, use and adapt User Materials as reasonably necessary to operate, display, distribute, redeem, settle, report on and support the applicable Campaign or Platform activity. The license continues after termination only as needed to honor issued Rewards, complete settlement, maintain records, respond to claims and comply with law.

6.2 Responsibility and Review Rights

The supplying user is solely responsible for User Materials and represents that they are accurate, lawful, non-misleading, adequately substantiated, and do not infringe or violate third-party rights. GFT may review, reject, edit, disable or remove User Materials or links, but is not obligated to review or approve them and does not endorse them by making them available.

6.3 Publicity

GFT may display and promote a Published Campaign to Shoppers through the Platform and participating channels. Otherwise, neither GFT nor a Business User may issue a press release, publish a case study, publicly announce the relationship, or publicly use the other’s corporate name or marks without prior written approval, except for truthful use required by law or confidential identification to professional advisers, service providers, investors, lenders, acquirers, Retailers or promotion participants with a need to know.

6.4 Intellectual-Property and Other Rights Complaints

Rights owners may send a sufficiently detailed copyright, trademark, patent, trade-secret, publicity, defamation or other rights complaint to assistance@gftrewards.com. The notice should identify the claimant, the protected right, the challenged material and its location, the basis for the complaint, contact information, a good-faith statement, and an electronic or physical signature. GFT may request more information, forward the complaint to the submitting user, remove or disable material, preserve records, or terminate repeat infringers. This notice process does not represent that GFT has registered a designated agent or otherwise qualifies for any particular statutory safe harbor.

7. Suspension, payment holds, termination and service changes

7.1 GFT Risk-Control Rights

GFT may immediately investigate, limit, reject, pause, suspend, disable or terminate any account, role, Campaign, Reward, Retailer, store, lane, channel, integration, data feed, issuance, Redemption, settlement, transfer, withdrawal or cash-out where GFT reasonably identifies or suspects insufficient cleared funding, fraud, abuse, unlawful or misleading activity, sanctions or export risk, account compromise, a security or privacy threat, infringement, Shopper harm, a prohibited Campaign, inaccurate or unauthorized data, a provider direction affecting its own systems, payment or settlement risk, material legal or reputational risk, or conduct threatening the Platform or another participant. GFT may tailor the action where reasonably practicable but has no duty to do so where immediate action is appropriate.

7.2 Payment Holds, Reserves, Reversals and Setoff

Where activity may create fraud, return, reversal, chargeback, dispute, security, legal, regulatory, settlement or other financial risk, GFT or its provider may delay or withhold a payment, withdrawal or cash-out; establish or adjust a reasonable reserve; impose transaction or disbursement limits; reverse an erroneous credit; debit or offset amounts the user owes against amounts otherwise payable; or comply with an instruction from a bank, licensed provider, card issuer, network, regulator or court. GFT will periodically review a hold or reserve and release amounts when it is no longer reasonably necessary. Where legally and operationally permitted and doing so will not compromise an investigation or safeguard, GFT will provide notice of the general basis and a reasonable method to submit relevant information. GFT will not permanently retain or forfeit funds except to the extent permitted by law, provider terms, an agreed remedy, a final determination or return to an affected party, and only to the extent reasonably related to an established obligation or loss.

7.3 Ending Use

You may stop using the Platform and may close your account through the method GFT then provides, subject to issued Rewards, unsettled activity, outstanding balances, legal holds and surviving obligations. GFT may terminate these Terms, any Role Agreement or any service immediately upon notice through the Platform or another reasonable method, except that where an accepted Role Agreement expressly provides a different term, notice period or wind-down process, that provision controls for the corresponding role. Where legally required or reasonably practicable, and where doing so is not likely to compromise a fraud, security or compliance investigation, the notice will state the general reason and any available review method.

7.4 Effect and Survival

Suspension or termination does not cancel valid Rewards already issued, completed Redemptions, payment and funding obligations, settlement, reversals, taxes, authoritative records, claims based on prior conduct, or Shopper support required by law. GFT may retain, offset, withhold, return, remit or transfer balances as these Terms, an applicable Role Agreement, provider terms and law permit. Provisions concerning intellectual property, data, confidentiality, Rate Cards, payments, records, indemnity, liability, disputes, enforcement and any provision intended by its nature to survive will survive.

PART II - Shopper and reward terms

8. Shopper and reward terms

8.1 Marketer Offer and Contract

A Marketer, not GFT, sponsors and makes the Shopper-facing offer. When a Shopper acquires, accepts or Redeems a Reward, the applicable Campaign terms form a contract between the Shopper and the Marketer concerning that Reward. GFT is not a party to that contract and is responsible only for Platform, Reward-delivery and Redemption-processing functions within GFT’s control. The Marketer is responsible for its products, claims, inventory, eligibility rules, disclosures, fulfillment and honoring valid Rewards. The Retailer is responsible for checkout and store operations.

8.2 Reward Terms and Availability

Each Reward is subject to the current Manifest and Shopper-facing terms, including eligible products, participating Retailers, dates, availability, quantities, geography, limits, transferability, stacking and expiration. A Reward may be unavailable, changed, paused or canceled before it is issued or where required by law, security, fraud controls or Platform rules. GFT does not guarantee that a Reward will be available or successfully Redeemed.

8.3 Transfer; No Purchase or Sale

A Shopper may transfer a Reward only where the Platform and Manifest permit. A Reward may not be bought, sold, auctioned, bartered, brokered or otherwise commercially transferred. A transferred Reward remains subject to all original limits and terms, and transfer does not create a new or duplicate Reward.

8.4 Promotional Nature; Cash Value

Except for a GFT-authorized gift card, stored-value or debit-card Reward governed by separate provider terms, a Reward is a promotional or contractual right, not legal tender, a bank deposit or a general-purpose payment instrument. Its value, vesting, transfer, expiration, forfeiture and cash-out rights are governed by the Manifest, Shopper-facing terms, provider terms and nonwaivable law. A coupon, rebate, cash-back credit or future-shopping benefit has cash value only to the extent expressly stated or successfully cashed out through a GFT-authorized program. Once a Reward has been validly issued or earned, it will not be retroactively reduced or canceled except as clearly disclosed, to reflect a return, void or reversal, to correct an error, to address fraud, abuse or security, to comply with law or provider rules, or as otherwise permitted by nonwaivable law. Unredeemed benefits may expire or be canceled only as clearly disclosed and legally permitted.

8.5 Shopper Conduct

A Shopper must comply with Campaign limits and may not duplicate, counterfeit, alter, automate, resell, share credentials for, exploit or improperly obtain or Redeem Rewards; manipulate receipts, returns, telephone numbers, accounts or transactions; or use Rewards for unlawful purchases or prohibited categories. GFT may invalidate affected Rewards and suspend the account.

9. Redemption, voids, returns and refunds

9.1 Availability and Applicability Check

At an enabled physical or virtual checkout, the Retailer’s point-of-sale system sends a separate real-time API event to the Platform to determine whether a unique Reward is available to the identified Shopper and applicable to the product or basket being purchased. The Platform applies Campaign limits, including Shopper, household, transaction, date and frequency limits. If no eligible Reward is available, none is applied.

9.2 Redemption

A “Redemption” occurs, and a Reward is “Redeemed,” when GFT receives and records real-time electronic confirmation that an eligible checkout transaction and the unique Reward were successfully processed. GFT may authorize a specific delayed or contingency workflow, but offline or delayed Redemption is not permitted unless GFT expressly enables it.

9.3 Voids, Failures and Duplicates

A failed or voided checkout, or a qualifying reversal transmitted through the applicable API and recorded by the Platform, cancels the Redemption, reverses the related settlement and Distribution Fee, and restores or reissues the Reward if it remains valid and available. A duplicated purchase transaction does not duplicate a Reward; a separate unique Reward may apply only if one remains available under the Manifest’s limits.

9.4 Merchandise Returns and Refunds

A later merchandise return does not automatically reverse a completed Redemption or the Distribution Fee. The Retailer must calculate any refund based on the amount the Shopper actually paid after the Reward and must not refund the Reward-funded discount as though the Shopper paid it. A future Reward, rebate or cash-back benefit generated by the returned purchase may be canceled if the return or adjustment is transmitted and recorded. No reversal or adjustment affects GFT records unless and until it is transmitted to and recorded by the Platform.

9.5 Support

The Marketer handles product, inventory, eligibility, offer interpretation and substantive Campaign issues. The Retailer handles checkout, receipt, tender and return issues. GFT handles reasonable account, Reward-delivery and Redemption-processing issues within GFT’s control. Users should direct each issue to the responsible party.

10. Gift cards, stored value, debit card and other regulated rewards

10.1 Separate Program Terms

A gift card, stored-value, prepaid or debit-card Reward may be offered through a GFT-authorized bank, issuer, licensed provider, program manager, processor or network. Separate cardholder, issuer, fee, eligibility, identity-verification, cash-out, expiration, error-resolution and program terms presented before issuance, activation or cash-out apply and control for that Reward. GFT is not a bank or card issuer unless the applicable disclosure expressly says otherwise.

10.2 Verification and Limits

GFT and its providers may require identity verification, impose value, load, transfer, cash-out, geographic, frequency or other limits, delay or reject activity, and make reports required by law or provider rules. Availability and timing depend on the provider, banking network and compliance review.

10.3 Purchase Restrictions

A Reward may not be used to purchase or load a gift card, stored-value product, prepaid or debit card, money order, lottery product or other cash equivalent unless GFT expressly approves the specific Campaign and checkout flow. This restriction does not prevent an approved gift card or debit card from itself being the Reward.

10.4 Games, Sweepstakes, Contests and Digital Collectibles

Games, sweepstakes, contests and digital collectibles are available only where GFT expressly enables them and are subject to applicable official rules and Campaign terms. The identified sponsor is responsible for eligibility, disclosures, prize administration, required registrations or bonds, tax reporting, and compliance. Digital collectibles are promotional items, not investments, securities or promises of profit, and may not be bought or sold through the Platform.

Part III - GFT business user agreement

11. GFT business user agreement

11.1 Separate Business Agreement; Incorporation

This Part III is a separate sub-agreement between GFT and each Business User (the “Business User Agreement”). It incorporates Parts I, VI and VII of these Terms. By registering for business access, accepting an approved Role Agreement, transmitting business data, receiving a role-based payment, or otherwise using the Platform for a commercial purpose, the Business User accepts this Business User Agreement.

11.2 Gated Role Agreements

A Business User may use a specialized role, such as a Retailer or Reseller, only after GFT approves that role and makes the applicable online agreement available: the Marketer Agreement, Retailer Agreement, Point-of-Sale Provider Agreement, Reseller Agreement or eCommerce Provider Agreement (each, a “Role Agreement”). Each Role Agreement includes or identifies a confidential rate card (a “Rate Card”). Acceptance of a Role Agreement binds only the named legal entity and listed Affiliates, if any. Depending on the nature of a Business User’s business, a Business User may accept multiple Role Agreements, and each applies to the corresponding activity.

11.3 Authority and Verification

A Business User represents that it is duly organized, validly existing, authorized to do business, and has authority to accept and perform this Business User Agreement and each Role Agreement it accepts. Each individual acting through its account represents authority to bind it. GFT may conduct identity, business, sanctions, ownership, banking, tax and compliance checks and may require supporting documents.

11.4 Affiliates, Agencies, Administrators and Multiple Roles

A Business User may authorize Affiliates, agencies, resellers, media buyers, point-of-sale providers and other representatives to act only as GFT permits. The named Business User remains responsible for their authority, acts, omissions, data, Campaigns, funding, compliance and payment obligations. No representative may bind GFT or accept a Role Agreement for another legal entity without documented authority acceptable to GFT. Where one Business User performs multiple approved roles, each role’s obligations, economics and liability cap apply separately to the activity giving rise to them.

11.5 Payment Accounts, Authoritative Records and Disputes

A Business User that pays or receives money must provide and maintain accurate banking and tax information and complete any verification required by GFT or its licensed provider. GFT’s Platform, API, wallet, ledger, CRM and settlement records control role eligibility, attribution, qualifying activity, compensation, adjustments and amounts owed. A Business User must dispute a report or payment calculation in writing within 30 days after it first becomes available in the Platform, after which it is final except for fraud or manifest error. Section 7.2 governs holds, reserves, reversals, offsets and payment restrictions.

11.6 Independent Parties; No Minimums or Exclusivity

Business Users and GFT are independent contractors. No partnership, franchise, fiduciary, employment or general agency relationship is created, except for a limited payment or settlement agency expressly stated in these Terms or a Role Agreement. Unless a signed or electronically accepted amendment says otherwise, there is no minimum Campaign, spending, data, transaction, store, integration, customer or volume commitment; GFT has no obligation to approve or accept a Campaign, Retailer, integration or opportunity; and no relationship is exclusive. GFT may work with competitors.

12. Confidentiality and rate cards

12.1 Confidential Information

“Confidential Information” means non-public business, financial, technical, security, legal, product, pricing, Campaign, Retailer, Shopper, performance and other confidential or proprietary information disclosed by or on behalf of a party, including GFT Technology, Platform records, Retailer Data, User Materials, trade secrets, third-party confidential information, each Role Agreement and each Rate Card.

12.2 Use, Protection and Disclosure

The receiving party will use Confidential Information only to perform or exercise rights under these Terms and any applicable Role Agreement, protect it with at least reasonable care, and disclose it only to Affiliates, personnel, professional advisers, contractors and service providers who genuinely need it and are bound by comparable obligations. The receiving party remains responsible for recipients’ compliance.

12.3 Rate Cards; Heightened Protection

Each specific Rate Card and its non-public contents—including amounts, methodology, tiers, discounts, allocation formulas, participant payments, exceptions, comparisons and whether another reported GFT rate is accurate—is GFT proprietary information of the highest commercial sensitivity and, where the legal requirements are satisfied, a GFT trade secret. The fact that GFT uses role-specific Rate Cards is not itself confidential. A Rate Card may be disclosed only as the applicable Role Agreement expressly permits and must remain confidential indefinitely for so long as its contents are non-public. A Business User may not use a Rate Card to benchmark, negotiate another participant’s GFT terms, prepare a customer-facing proposal, publish or quote a rate, train an artificial-intelligence model, or confirm another participant’s rate.

12.4 Exclusions and Required Disclosure

Confidential Information excludes information the recipient can demonstrate is public without breach, lawfully known without restriction, lawfully received from another source without duty, or independently developed without use. Legally compelled disclosure is permitted only to the minimum required. Wherever legally permitted, the recipient must promptly notify the disclosing party early enough to challenge the request, seek filing under seal or confidential treatment, reasonably cooperate in obtaining protection, and not voluntarily waive an available objection. Nothing in this Section prohibits or requires prior notice or approval for a lawful confidential communication with a governmental, regulatory or law-enforcement authority or an attorney solely to report or investigate a suspected violation of law, a filing made under seal, cooperation in an investigation, or receipt of a lawful whistleblower award. An individual performing work for a Business User or GFT has the immunities for qualifying confidential trade-secret disclosures described in 18 U.S.C. § 1833(b).

12.5 Duration, Return and Existing NDAs

Except for Rate Cards under Section 12.3, these duties continue for five years after disclosure; trade secrets remain protected while they qualify as trade secrets, and personal, security and legally protected data for as long as law or their nature requires. On request or termination, the recipient will return or destroy Confidential Information, except for information whose continued use or retention is permitted under these Terms, required by law, or contained in protected routine backups and, if destroyed, certify to its destruction upon reasonable request. An existing nondisclosure agreement controls to the extent it is more protective.

13. Business warranties, indemnification, and insurance

13.1 Business Warranties

Each Business User represents, warrants and covenants that: (a) all information, data, instructions and materials it provides are accurate, complete, lawful and authorized; (b) its activities, products, Campaigns, systems, data practices and communications comply with applicable laws, third-party rights, Retailer requirements, these Terms and its Role Agreements; (c) it has all rights, notices, consents, permissions, licenses and approvals needed for GFT to perform as contemplated; (d) it will not introduce malicious code or transmit unauthorized, fraudulent, misleading or materially incomplete data; and (e) it will promptly cooperate with investigations, Shopper issues, regulators, payment providers and corrections relating to its activity.

13.2 Business-User Indemnity

To the extent permitted by law, a Business User will defend, indemnify and hold harmless GFT, its Affiliates, participating Retailers, providers and their respective officers, directors, members, managers, employees, contractors, agents, successors and assigns from third-party claims, governmental inquiries, investigations, damages, liabilities, judgments, settlements, fines, penalties, taxes, costs and reasonable attorneys’ fees arising out of or relating to: (a) the Business User’s products, Campaigns, Rewards, User Materials, data, systems, claims, disclosures or Shopper-facing terms; (b) product liability, bodily injury, property damage, failure to honor a Reward, or disputes with a Shopper, Retailer or other participant; (c) infringement, misappropriation or rights violations by its materials, data or instructions; (d) its breach of these Terms or a Role Agreement, or violation of law; (e) taxes, royalties, permits, fees, notices, consents or approvals for which it is responsible; or (f) acts or omissions of it or its Affiliates, agencies, users, systems or providers. This duty is reduced only to the extent a claim is finally determined, or agreed in a settlement binding on GFT, to have been caused by GFT’s material breach, gross negligence or willful misconduct, and does not require indemnification of a fine or penalty where applicable law prohibits it.

13.3 Limited GFT Intellectual-Property Indemnity

Subject to Sections 13.4 and 14, GFT will defend and indemnify an approved Business User against a third-party claim that the unmodified Platform, when used as expressly permitted, infringes a United States patent, copyright or trademark or misappropriates a trade secret. GFT has no obligation for a claim arising from the Business User’s materials or instructions, unauthorized use, a modification not made by GFT, a combination not supplied by GFT, or continued use after GFT offers a non-infringing alternative. GFT may obtain continued use rights, modify or replace the affected technology, or discontinue the affected function. Those options are GFT’s sole obligation to enable continued use, and all defense, indemnity and other liability remains subject to Section 14.

13.4 Indemnity Procedure

The indemnified party will give reasonably prompt notice, with delay excusing obligations only to the extent of material prejudice, and reasonable cooperation at the indemnifying party’s expense. The indemnifying party controls the defense with counsel reasonably acceptable to the indemnified party, but may not settle in a way that admits fault by, imposes obligations on, restricts, or fails to fully release the indemnified party without written consent. The indemnified party may participate at its own expense. GFT may assume control of a Business User-indemnified claim that materially threatens GFT Technology, data, regulatory status, customers or reputation, at the Business User’s expense to the extent indemnified.

13.5 Conditional Insurance

GFT may require a Business User, on reasonable written notice, to maintain commercially available and commercially reasonable insurance appropriate to the nature, scale and risk of its approved role, including commercial general liability, technology errors-and-omissions or cyber/privacy coverage, as applicable. The notice or a Role Agreement will identify the required coverage, limits, evidence, any additional-insured requirement and a reasonable compliance period, ordinarily at least 30 days unless an urgent or existing risk justifies a shorter period. No insurance is required unless GFT gives that notice or the applicable Role Agreement expressly requires it, and insurance does not limit the Business User’s obligations.

14. Business liability limits

14.1 Excluded Damages

To the fullest extent permitted by law, neither GFT nor a Business User is liable to the other for indirect, incidental, consequential, special, exemplary or punitive damages; lost profits, revenue, business, goodwill or data; the cost of cover or substitute services; or recovery or recoupment of investments, expenditures or commitments made in connection with the Platform, even if advised of the possibility. This exclusion does not prevent recovery of amounts payable for an indemnified third-party claim, subject to the applicable aggregate cap, or direct damages that applicable law does not permit the parties to exclude.

14.2 Marketer Campaign Cap

For a claim arising from a Business User’s Marketer role, GFT’s total aggregate liability will not exceed the Distribution Fees paid or payable for the specific Campaign directly giving rise to the claim. If the same event directly affects multiple Campaigns and no single Campaign can reasonably be identified, the cap is the aggregate Distribution Fees paid or payable for those directly affected Campaigns. If no Campaign has generated or is reasonably attributable to a Distribution Fee, the cap is $100. Related events and claims are aggregated regardless of theory or number of claimants.

14.3 Other Role Cap

For a claim arising from a Retailer, Point-of-Sale Provider, Reseller or eCommerce Provider role, GFT’s total aggregate liability will not exceed the greater of (a) the compensation paid or payable by GFT to that Business User for that role during the 90 days preceding the event giving rise to the claim or (b) $100.

14.4 Multi-Role Claims

Where a Business User performs more than one role, the cap corresponding to the role from which the claim arises applies. Amounts associated with another role are not added, and a claimant may not recharacterize or split a claim to obtain multiple caps.

14.5 Application and Exceptions

All GFT liability—including liability characterized as arising from indemnity, confidentiality, privacy, data security, intellectual property, negligence, gross negligence, willful misconduct or violation of law—is subject to Sections 14.1 through 14.4 to the fullest extent applicable law permits, except for: (a) GFT’s fraud or willful misconduct; (b) gross negligence to the extent applicable law does not permit limitation; (c) GFT’s violation of applicable privacy laws, which is subject to the liability cap expressly stated in the applicable Role Agreement or, if no such cap is stated, the otherwise applicable cap in Section 14.2 or 14.3; (d) claims expressly identified as excepted in an applicable Role Agreement; and (e) any other liability that cannot lawfully be limited. Nothing in this Section waives a nonwaivable statutory right or remedy. The Business User’s Campaign funding, Distribution Fee, tax, repayment, overpayment and other payment obligations; indemnity obligations; fraud or willful misconduct; breach of Section 12 involving GFT Confidential Information; unauthorized use or misappropriation of GFT Technology, data, trade secrets or intellectual property; and liability that cannot lawfully be limited are not limited by this Section.

Part IV - Marketer and campaign terms

15. Marketer and campaign terms

15.1 Approved Marketer Role

A business may create, fund, administer or sponsor a Campaign only after GFT approves it for the Marketer role and it accepts the Marketer Agreement and confidential Rate Card. The Marketer Agreement supplements this Part IV with the role-specific Campaign obligations and economics that GFT approves for the named legal entity.

15.2 Campaign Control and Manifest Authority

Acceptance, funding, launch or modification of a Manifest through an authorized account is binding approval of the Campaign. GFT may rely on it without further inquiry. Marketer-entered changes are effective only when reflected in the current Manifest and do not eliminate obligations attached to Rewards already issued or Redeemed.

15.3 GFT Changes

GFT may change Campaign parameters without the Marketer’s prior approval where GFT reasonably determines the change is necessary to comply with law, protect security or Platform integrity, prevent Shopper harm, address fraud or erroneous configuration, or exercise an express suspension or risk-control right. GFT will reflect each such change in the current Manifest as soon as reasonably practicable and, where practicable, notify the Marketer. Except where reasonably necessary for those purposes, to correct a Manifest or system error, or to enforce a clearly disclosed Campaign term, GFT will not retroactively reduce the value of or materially restrict eligibility for a Reward that has already been validly issued. If an issued Reward cannot lawfully or operationally remain available, the Marketer must honor it or provide a substantially equivalent lawful benefit unless law or a provider rule prohibits that result. GFT will not change Campaign economics merely to accommodate a Retailer preference, but may disable, suspend or make operational changes to a Retailer, store or channel where its systems, authority, configuration, availability or legal requirements make that reasonably necessary.

15.4 Marketer Responsibility

The Marketer is solely responsible for its products, Campaign concept and mechanics, User Materials, product and advertising claims, substantiation, legal disclosures (including any required loyalty or financial-incentive notice), inventory, fulfillment, official rules, Retailer selection, SKU and UPC accuracy, budgets, limits, taxes, the contract with the Shopper and substantive Campaign support. Each party is responsible for legally required notices and choices on the Shopper-facing surfaces it controls, and the Marketer must timely provide GFT the accurate information needed for notices on GFT-controlled surfaces. The Marketer represents that promoted products are authentic, not counterfeit, lawfully marketed, and compliant with applicable registration, labeling, warning, safety and recall requirements. It must promptly notify GFT of a recall, safety alert, regulatory action or material product defect affecting a Campaign and cooperate in pausing, correcting or removing affected Rewards. It must honor every valid Reward, including a Reward remaining valid after a Campaign is paused, withdrawn or terminated.

15.5 Agency Administration

An agency or other administrator may act for a Marketer, but the named Marketer remains responsible for the agency’s authority, conduct, Campaigns, User Materials, funding, compliance and payment. An agency that creates its own Campaign or funds a Campaign in its own name may also be a Marketer.

16. Campaign funding and wallet balances

16.1 Cleared Pre-Funding

A Marketer must pre-fund a Campaign before Publication. GFT recommends funding at least 24 hours in advance, but a Campaign may be Published sooner after funds are cleared and credited to the Marketer’s GFT wallet. The Platform funding amount equals the maximum aggregate Reward value plus the Distribution Fees that would apply if every available Reward were Redeemed. It excludes sales or similar transaction taxes that can be determined only from the place of Redemption.

16.2 Campaign Balance and Reward Quantity

The Platform will not permit the Marketer to withdraw Campaign funds without reducing the number or value of available Rewards proportionately. GFT is not required to advance funds. If available cleared funds are insufficient, GFT may pause further issuance, Redemption or settlement; the Marketer remains responsible for valid Rewards already issued and taxes or other amounts lawfully due. The Platform is designed so a properly configured Campaign cannot create an unfunded Campaign deficit, but GFT does not waive taxes, post-transaction corrections, unauthorized activity or other amounts lawfully owed outside the Campaign’s configured funding.

16.3 Unused Funds and Withdrawals

Unless restricted for fraud, compliance, settlement, legal process, provider requirements or amounts owed, unused Campaign funds remain in the Marketer’s wallet for future Campaigns or may be withdrawn through the method GFT provides. There is no minimum withdrawal. GFT may delay or restrict a withdrawal while investigating suspected fraud, account compromise, chargebacks, disputes or legal requirements and may offset amounts the Marketer owes.

16.4 Funds Provider; Interest; Deposit Insurance

Campaign and settlement funds are held and transmitted through a licensed money-transmission or other regulated provider, not as deposits with Greenfence Consumer, LLC. Depending on the provider program, funds may be placed in pooled custodial or for-benefit-of accounts at one or more partner banks and may be swept into overnight or other interest-bearing accounts. Unless law or provider terms require otherwise, users receive no interest and GFT may receive or retain interest or earnings. GFT is not an FDIC-insured depository institution, and a licensed provider is not an FDIC-insured depository institution unless its own disclosure expressly says otherwise. If eligible funds are placed at an FDIC-insured partner bank and all account-titling, recordkeeping, beneficial-ownership and pass-through requirements are satisfied, a beneficial owner may be eligible for pass-through deposit insurance up to applicable limits. FDIC insurance protects only against the failure of the insured bank; it does not protect against the insolvency, fraud or misconduct of GFT or a nonbank provider, or loss on a non-deposit product. GFT does not guarantee that any particular balance is insured. Provider and banking terms may impose additional restrictions.

16.5 Dormancy and Unclaimed Property

GFT may contact a user about dormant funds and may remit abandoned property to the jurisdiction required by applicable unclaimed-property law after permitted deductions and attempts to contact the owner. Account closure does not cause automatic forfeiture of a lawful remaining balance.

17. GFT distribution fee

17.1 Distribution Service and Trigger

GFT undertakes the distribution and delivery of a Reward through the Platform to the point of sale for Redemption. GFT’s role in that distribution is successfully completed only when the Reward is Redeemed at an enabled physical or virtual point of sale. The completed Redemption is both evidence of successful delivery and the event that causes the applicable GFT distribution fee (the “Distribution Fee” or “Fee”) to be earned, levied and settled. A Reward that is created, configured, published, issued or made available but never Redeemed has not been fully distributed, and no Distribution Fee is payable for it.

17.2 Confidential Rate and Taxes

The applicable Distribution Fee rate is confidential and is stated only in the approved Marketer Agreement, its Rate Card and the Manifest. The Campaign-specific rate displayed in the Manifest when the Marketer funds or modifies a Campaign applies prospectively to later Redemptions. The Fee is exclusive of applicable sales or similar transaction taxes, which may be determined and charged only when the place of Redemption is known. GFT may change a standard or entity-specific rate only as the Marketer Agreement and Rate Card permit.

17.3 Sole GFT Fee and Participant Allocations

GFT does not charge its own setup, account, subscription, Campaign-creation, listing, publication, issuance, media, creative or separate referral fee merely because a Reward is created or made available. The Distribution Fee is GFT’s sole standard fee for the Reward distribution service. This does not preclude a separately accepted fee, under a separate agreement, for custom development, implementation, integration, regulated or card services, expedited or optional services, taxes, or other work outside the standard Reward distribution service. GFT may pay or allocate portions of the Distribution Fee to Retailers, resellers, point-of-sale providers, promoters and other transaction participants. Those allocations are internal to GFT, create no rights in the Marketer, and do not reduce the Distribution Fee owed.

17.4 Unit of Charge

The Fee is charged per Redeemed Reward, not per basket or checkout transaction. Multiple distinct Rewards Redeemed in one transaction generate a Fee for each. A passive or automatic Reward issued and Redeemed in the same checkout event is one Redeemed Reward unless the Manifest defines multiple distinct Reward instances.

18. Redemption, settlement, taxes and authorotative records

18.1 Real-Time Redemption and Settlement

Redemption has the meaning in Section 9.2. Each Redemption causes the Platform to calculate and allocate Reward value, the Distribution Fee, taxes and amounts due to transaction participants. GFT targets processing settlement in or near real time and ordinarily making eligible amounts available for cash-out no later than the next business day, subject to provider, bank, network, security, fraud, compliance and legal delays. Those timing statements are operational targets, not warranties, service levels or guarantees.

18.2 Reversals and Adjustments

Only a reversal, return, refund, void or other adjustment transmitted through the applicable API event and recorded by the Platform affects a Redemption, Reward, Distribution Fee or settlement. The rules in Section 9 apply. A later merchandise return that is not transmitted to the Platform does not reverse the Distribution Fee or GFT’s records.

18.3 Taxes

The Marketer is responsible for sales, use, excise, coupon, promotion and similar taxes or governmental charges attributable to its Campaign, Reward or Redemption. GFT may calculate, collect, debit, withhold, invoice or remit taxes where required or supported, and the Marketer will promptly reimburse taxes assessed against GFT that are the Marketer’s responsibility. GFT is responsible for taxes imposed on GFT’s net income.

18.4 Authoritative Records

Subject to the timely dispute and correction process in Section 11.5, GFT’s Platform, Manifest, API, wallet, Redemption, settlement and ledger records are the authoritative and presumptively correct records of Campaign terms, Reward availability and issuance, Redemptions, reversals, adjustments, balances, Distribution Fees, taxes and settlement. A Marketer may use Platform reports and may timely dispute fraud, a Manifest error or a system error, but may not withhold amounts or override GFT’s records solely on the basis of Retailer, agency or internal records. GFT may correct an error in its records and provide a corrected report or adjustment.

19. Marketer materials, reporting and data use

19.1 Reporting

GFT provides the Campaign, transaction and performance reporting supported by the Platform, which may include store-, product-, time- and geography-level analytics. Shopper demographics and Shopper-level personal information are excluded unless GFT and the applicable data provider enter into a separate legally compliant agreement.

19.2 Permitted Report Use

A Marketer may use reports for its internal Campaign analysis, measurement, forecasting and modeling of its own Campaign performance and may share those reports with Affiliates, agencies and advisers bound by confidentiality, remaining responsible for them. This permission does not include Shopper-level personal information, raw Retailer Data, another participant’s non-public data or GFT’s Confidential Information. A Marketer may not re-identify or contact a Shopper; export or use raw telephone numbers; create external advertising audiences; use reports or GFT data to train, improve or offer a model for another customer or third party; or build a competing data, analytics, settlement or reward product.

19.3 Marketer Materials and Publicity

Section 6 governs Marketer materials and publicity. The Marketer grants the rights needed to display, distribute and administer Published Campaigns but retains ownership of its underlying marks and materials.

20. Restricted campaigns and special promotion types

20.1 Prohibited Unless Approved

A Marketer may not create or publish a Campaign involving alcohol; tobacco, nicotine or vaping; cannabis, CBD or THC; controlled substances; prescription drugs or pharmacy products; firearms, ammunition or weapons; fireworks; lottery, wagering, real-money gambling or regulated gaming; gift cards, stored value or prepaid products as the product being purchased; financial products; fuel; age-restricted goods; regulated health products; SNAP/EBT-only discounts; WIC-restricted products; political activity; adult sexual content; unlawful, unsafe or infringing products; or another category restricted by law, Retailer policy or GFT policy, unless GFT gives Campaign-specific written or Platform approval and all required controls are satisfied. Approval for one category, Campaign, product, Retailer or state does not approve another.

20.2 GFT-Controlled Card Rewards

Section 20.1 does not prohibit a gift card, stored-value or debit-card product that is itself a GFT-authorized Reward and is administered under Section 10 and applicable provider terms. It remains prohibited to Redeem a Reward against the purchase or load of such a product unless specifically approved.

20.3 Claims, Rules and Compliance

The Marketer must ensure truthful, non-misleading and substantiated claims; clear and conspicuous material terms; legally compliant official rules for games, contests and sweepstakes; required age, geographic, registration, bonding and “no purchase necessary” terms; product-safety and accessibility compliance; and all permits, licenses and tax reporting. GFT may require proof, correction, additional disclosures or removal and may suspend the Campaign without assuming responsibility for review.

Part V - Approved business role agreements

21. Marketer agreement

21.1 Required Gated Agreement

The Marketer Agreement applies only after GFT approves the named business for that role and makes the agreement available through the Platform. It contains the Marketer-specific Campaign responsibilities and the confidential Distribution Fee Rate Card. Part IV and the Manifest continue to govern Campaign activity.

21.2 Campaign-Specific Economics

A Marketer pays the confidential Distribution Fee shown in its Rate Card and the applicable Manifest for each qualifying Redeemed Reward. If the same business separately performs another approved role, it may earn the distinct compensation associated with that role for the same Redemption.

22. Retailer agreement

22.1 Required Before Production Participation

A Retailer must accept the approved Retailer Agreement before production Retailer Data is transmitted or production Redemptions begin. The Retailer Agreement contains the Retailer-specific checkout, data-access, privacy, security, settlement, support and confidential compensation terms. A reseller or technology provider may assist with onboarding but may not accept for the Retailer without documented authority acceptable to GFT.

22.2 General Retailer Responsibilities

A Retailer remains responsible for its stores and eCommerce channels, systems, personnel, inventory, data quality, notices, price display, discount allocation, taxes, tender, SNAP/EBT and WIC treatment, receipts, returns, refunds and Shopper service. Its point-of-sale or eCommerce workflow must apply a Reward only when authorized by GFT and must transmit supported transaction, void, return, refund and reversal events. Detailed Retailer Data rights and obligations are intentionally stated in the gated Retailer Agreement rather than these public Terms.

23. Point-of-sale and ecommerce provider agreements

23.1 Point-of-Sale Provider Agreement

A Point-of-Sale Provider must accept the approved Point-of-Sale Provider Agreement before production integration access. That agreement governs certification, development and maintenance responsibility, API implementation, fail-safe behavior, data transmission, version and workflow changes, security, incident response, support allocation and the confidential entity-specific Rate Card.

23.2 eCommerce Provider Agreement

An eCommerce Provider must accept the approved eCommerce Provider Agreement before facilitating and enabling online Redemptions. That agreement governs virtual checkout, identity matching, basket and order data, cancellations, partial returns, delivery or pickup changes, asynchronous order changes, tax and tender treatment, certification, security, support and the confidential entity-specific Rate Card.

23.3 Separate Technical Work

No custom development, implementation project, service level, deliverable or expense reimbursement is included solely because a provider accepts a Role Agreement.

24. Reseller agreement

24.1 Approved Channel Role

A Reseller must accept the approved Reseller Agreement before it may represent itself as an authorized GFT channel or earn compensation. That agreement governs approved introductions and commercialization, attribution, claims and materials, onboarding and support allocation, conflicts and intermediaries, no authority to bind GFT, and the confidential entity-specific Rate Card.

24.2 No Implied Technical or Data Role

A Reseller receives no technical integration rights and no raw Shopper or basket data merely because it is a Reseller. A Reseller that also performs point-of-sale or eCommerce functions must be separately approved for and accept the corresponding Role Agreement. GFT customer relationship management records control ownership; GFT’s Platform controls active status, Redemptions, settlement and compensation eligibility.

24.3 No Standard Tail

Unless its confidential Rate Card expressly states otherwise, a Reseller earns compensation only while it continues to perform the qualifying role and the applicable activity remains eligible. No post-termination or perpetual compensation tail is implied.

Part VI - Software and special services

25. Software, API's, technical policies, and third-party services

25.1 Software and API Use

GFT software, APIs, documentation, credentials and updates may be used only to access authorized Platform functions and in accordance with technical documentation, security requirements and rate limits. You may not incorporate them into another product, distribute credentials, create derivative works, or allow unauthorized third-party access. GFT may issue, rotate, suspend or revoke credentials and provide automatic or manual updates. Upon suspension or termination of access, you must immediately cease the affected use, stop authorizing third-party access, and return or delete non-public API materials and credentials as GFT directs, except for records that law requires you to retain; any retained copy remains confidential and may not be used.

25.2 Technical Policies and Changes

GFT may maintain and update binding API specifications, authentication requirements, security standards, data schemas, certification criteria, integration rules, agent policies, rate limits and acceptable-use requirements outside these Terms. A technical update may not change a confidential Rate Card, liability allocation, ownership term or other material commercial term unless the applicable agreement expressly permits it. For a material technical change reasonably likely to adversely affect a production integration, GFT will provide at least 15 days’ advance notice or another commercially reasonable transition period where practicable; GFT may act immediately for legal, regulatory, fraud, abuse, security or provider reasons, or for a change that does not materially reduce existing functionality. Providers must give GFT at least 30 days’ advance notice, where commercially practicable, of a material system, version, API, data-format or workflow change likely to affect GFT, a Redemption, settlement or another participant; if advance notice is impracticable, notice must be prompt.

25.3 Third-Party Services

Use of wireless carriers, device platforms, banks, card issuers, licensed transmitters, processors, point-of-sale systems and other third-party services may be subject to their terms, fees, privacy practices and availability. GFT is not responsible for third-party systems outside its control.

25.4 U.S. Government Users

GFT software is commercial computer software and documentation. U.S. Government end users receive only the rights granted to other users under these Terms, to the extent permitted by applicable procurement law.

Part VII - Legal terms

26. Disclaimers and shopper liability limits

26.1 Disclaimers

TO THE FULLEST EXTENT PERMITTED BY LAW, THE PLATFORM, REWARDS, CONTENT, REPORTS AND GFT SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE.” EXCEPT FOR THE LIMITED INTELLECTUAL-PROPERTY INDEMNITY IN SECTION 13.3 AND AN EXPRESS WRITTEN WARRANTY SIGNED BY GFT, GFT DISCLAIMS ALL EXPRESS, IMPLIED AND STATUTORY WARRANTIES, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, AVAILABILITY, SECURITY, UNINTERRUPTED OR ERROR-FREE OPERATION, AND WARRANTIES ARISING FROM COURSE OF DEALING OR USAGE. GFT IS NOT RESPONSIBLE FOR A MARKETER’S PRODUCT OR OFFER, A RETAILER’S CHECKOUT OR REFUND, OR A THIRD PARTY’S SYSTEM OR CONDUCT.

26.2 Shopper Damages and Cap

TO THE FULLEST EXTENT PERMITTED BY LAW, GFT IS NOT LIABLE TO A SHOPPER FOR INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY OR PUNITIVE DAMAGES, OR LOST PROFITS, OPPORTUNITY, DATA OR GOODWILL. GFT’S TOTAL LIABILITY TO A SHOPPER ARISING OUT OF OR RELATING TO THE PLATFORM, A REWARD OR THESE TERMS WILL NOT EXCEED THE GREATER OF (A) AMOUNTS THE SHOPPER PAID DIRECTLY TO GFT DURING THE 12 MONTHS BEFORE THE EVENT OR (B) $100. THESE LIMITS DO NOT APPLY TO GFT’S FRAUD OR WILLFUL MISCONDUCT; PERSONAL INJURY OR DEATH TO THE EXTENT APPLICABLE LAW PROHIBITS LIMITATION; PUBLIC INJUNCTIVE RELIEF, STATUTORY DAMAGES OR OTHER REMEDIES THAT CANNOT BE WAIVED; OR ANY OTHER LIABILITY THAT CANNOT LAWFULLY BE LIMITED. THESE TERMS DO NOT REDUCE NONWAIVABLE CONSUMER RIGHTS.

26.3 Third-Party Disputes

GFT is not responsible for resolving a dispute between a Shopper, Marketer, Retailer or other third party, although GFT may facilitate communication, preserve records or take Platform action. Each participant releases GFT from claims arising solely from another participant’s products, promises, systems or conduct to the fullest extent permitted by law.

27. Arbitration, class-action waiver and governing law

27.1 Informal Notice

Before starting arbitration, the claimant must provide an individualized written notice describing the claimant, account, facts, legal basis and requested relief. A user must send the notice to Bryan Williams, Registered Agent for Greenfence Consumer, LLC d/b/a GFT Rewards, 410 S. Rampart Blvd., Suite 350, Las Vegas, Nevada 89145, with a copy to assistance@gftrewards.com. GFT must send a notice it initiates to the user’s notice address or account contact then shown in the Platform. The parties will attempt in good faith to resolve the dispute for 30 days. This requirement does not prevent GFT from seeking immediate equitable relief.

27.2 Binding Individual Arbitration

Except for (a) an individual dispute between a Shopper and GFT that either party elects to bring in a small-claims court with jurisdiction over the parties and claim, provided the dispute remains individual and within that court’s jurisdiction, (b) a claim or remedy that applicable law does not permit to be arbitrated, and (c) court relief expressly permitted by Sections 27.3 and 27.6, every dispute arising out of or relating to the Platform, these Terms, a Campaign, Reward, account, Role Agreement, Rate Card, data, payment or relationship with GFT will be resolved by binding individual arbitration under the Federal Arbitration Act. Disputes between a Shopper and GFT will be administered by the American Arbitration Association (“AAA”) under its then-current Consumer Arbitration Rules and Consumer Due Process Protocol. Business disputes will be administered by AAA under its then-current Commercial Arbitration Rules. Except for whether an agreement was formed and an issue applicable law reserves for a court, the arbitrator has exclusive authority to decide the interpretation, applicability, enforceability, scope, waiver and arbitrability of this Section. The arbitrator may award relief available to the individual claimant under applicable law and these Terms, but may not award relief for a nonparty except to the extent nonwaivable law permits public injunctive relief. If AAA is unavailable or declines administration for a reason not caused by GFT’s failure to comply with AAA requirements or pay required fees, the parties will select another nationally recognized provider or a court may appoint an arbitrator under the Federal Arbitration Act. GFT may submit these Terms and related agreements for AAA review, but any future amendment is governed by Section 1.4 and does not alter a dispute for which notice was already given under Section 27.1.

27.3 No Class, Collective, Consolidated or Representative Proceedings

EACH USER AND GFT AGREE THAT CLAIMS MAY BE BROUGHT ONLY IN AN INDIVIDUAL CAPACITY, NOT AS A PLAINTIFF, CLASS MEMBER, PRIVATE ATTORNEY GENERAL OR REPRESENTATIVE IN A CLASS, COLLECTIVE, CONSOLIDATED OR REPRESENTATIVE ACTION, EXCEPT THAT THIS SENTENCE DOES NOT WAIVE A RIGHT TO SEEK PUBLIC INJUNCTIVE RELIEF THAT APPLICABLE LAW MAKES NONWAIVABLE. The arbitrator may not consolidate different persons’ claims or preside over a representative proceeding. Administrative coordination under AAA’s Mass Arbitration Supplementary Rules does not consolidate claims or authorize class or representative relief. A claim for nonwaivable public injunctive relief will proceed in the forum required by applicable law and may be stayed pending completion of arbitrable individual claims to the extent permitted.

27.4 Mass Arbitration Administration

If a group of arbitration demands qualifies as a “Mass Arbitration” under AAA’s then-current Mass Arbitration Supplementary Rules and applicable fee schedule, those rules and thresholds will apply. AAA or the process arbitrator will decide administrative and procedural issues, including whether the threshold is satisfied. Each claim remains individual, and no merits arbitrator may decide another claimant’s case or award relief for another person. The parties will participate in any mediation, batching, case-management or other administrative process required by AAA, but no such procedure creates a class, consolidated or representative action.

27.5 Location, Fees and Attorneys’ Fees

Shopper hearings under AAA’s Consumer Arbitration Rules will occur remotely or at another location required by those rules unless the parties agree otherwise. Business hearings will occur in Clark County, Nevada or remotely, as the arbitrator directs. AAA rules govern filing, administrative and arbitrator fees. In Shopper matters, GFT will pay amounts AAA requires the business to pay, and each party bears its own attorneys’ fees and costs except where a statute, rule or finding of bad faith permits otherwise. In a dispute between GFT and a Business User arising from a contract, the prevailing party may recover reasonable attorneys’ fees and enforcement costs to the extent permitted by applicable law, and either party may recover amounts otherwise payable under an indemnity.

27.6 Injunctive Relief and Jury Waiver

Subject to Section 27.7, either party may seek temporary, preliminary or permanent injunctive relief, specific performance, return of data or materials, or other equitable relief to protect its intellectual property or Confidential Information. GFT may also seek such relief to protect GFT Technology, data, security, Platform integrity, payment rights or against fraud or unauthorized access. A party may seek temporary emergency relief in any court of competent jurisdiction where reasonably necessary to prevent imminent harm, without waiving arbitration of the merits; other permitted court proceedings must be brought in the courts identified in Section 27.7. A party may ask a court to compel arbitration or confirm, enforce or vacate an award. TO THE FULLEST EXTENT PERMITTED BY LAW, EACH PARTY WAIVES TRIAL BY JURY IN ANY COURT PROCEEDING.

27.7 Governing Law and Severability of Arbitration Terms

The Federal Arbitration Act governs arbitration. Nevada law governs these Terms and other issues, without regard to conflict-of-law rules, except that this choice does not displace nonwaivable law applicable to a Shopper, transaction, privacy right or consumer remedy. Courts in Clark County, Nevada have exclusive jurisdiction over permitted court proceedings, subject to nonwaivable venue and consumer rights. If the class-action waiver is unenforceable as to a particular claim or remedy, only that claim or remedy will be severed; a claim for nonwaivable public injunctive relief will proceed as stated in Section 27.3; and the remainder of this Section remains effective. Severability may not be used to eliminate a substantive right that applicable law makes nonwaivable.

28. General provisions

28.1 Assignment and Subcontractors

GFT may assign these Terms or any account, service or right to an Affiliate or in connection with a financing, merger, reorganization, change of control, sale of equity, or sale of relevant assets or business. A Business User may assign to an Affiliate or successor in a merger or sale of substantially all of the relevant business only if the assignee assumes these Terms, is not a GFT competitor or material sanctions, security or compliance risk, and the assigning user remains responsible unless GFT releases it. Other assignments require GFT’s written consent. GFT may use Affiliates and subcontractors and remains responsible only for GFT’s express obligations.

28.2 Force Majeure

GFT is not liable for delay or failure caused by events beyond its reasonable control, including natural disaster, severe weather, epidemic, war, terrorism, civil unrest, labor dispute, governmental action, changes in law, utility, telecommunications, internet, cloud, Retailer, point-of-sale, bank, processor, network or provider failure, or widespread cyberattack. Force majeure does not excuse amounts already due or confidentiality, data-security or intellectual-property obligations to the extent performance remains reasonably possible.

28.3 Legal Process and Notices

Subpoenas and legal process for GFT must be served on Bryan Williams, Registered Agent for Greenfence Consumer, LLC d/b/a GFT Rewards, 410 S. Rampart Blvd., Suite 350, Las Vegas, Nevada 89145. Ordinary support and rights complaints may be sent to assistance@gftrewards.com. Formal Business User notices must be written and delivered personally, by nationally recognized courier, certified U.S. mail or email with non-automated confirmation to the address or contact shown in the Platform. GFT may give notices through the Platform, email or another reasonable electronic method.

28.4 Taxes and Compliance

Each user is responsible for laws, taxes, licenses, permits and filings applicable to its activity. Users must comply with sanctions, export controls, anti-bribery and anti-corruption laws. GFT may cooperate with regulators, law enforcement, courts, payment providers and injured parties and may disclose information where legally permitted or required.

28.5 Entire Agreement; Waiver; Severability

These Terms, including the GFT Business User Agreement, each accepted Role Agreement and Rate Card, the current Manifest, applicable provider or regulated-program terms, Program Policies, and any signed or mutually electronically accepted amendment preserved by Section 1.3 form the agreement for their respective subjects and supersede prior discussions and prior unsigned or standard-form agreements for the same role. The Privacy Policy is a notice describing GFT’s data practices and does not itself waive or reduce a statutory privacy right unless an applicable law or an expressly incorporated provision gives it contractual effect. A separately negotiated signed or mutually electronically accepted agreement remains effective according to its terms until it is superseded by a mutual amendment or by an express update mechanism contained in that agreement; an online update alone does not supersede it unless that agreement expressly provides otherwise. Failure to enforce is not a waiver, and a waiver by either party must be written. If a provision is invalid or unenforceable, it will be modified to the minimum extent necessary or severed, and the remainder remains effective.

28.6 Interpretation; No Third-Party Beneficiaries

Headings are for convenience; “including” means “including without limitation”; and no drafting presumption applies against GFT. Except for GFT’s Affiliates, providers and indemnified persons as to provisions protecting them, these Terms create no third-party beneficiary rights. The United Nations Convention on Contracts for the International Sale of Goods and the Uniform Computer Information Transactions Act do not apply.

28.7 Contact

Greenfence Consumer, LLC d/b/a GFT Rewards 410 S. Rampart Blvd., Suite 350 Las Vegas, Nevada 89145 Support: assistance@gftrewards.com

Reach out at

hello@www.gftrewards.com
410 S. Rampart Blvd. Suite 350
Las Vegas, NV 89145, EE. UU.

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Terms of Service

Terms of Service

CONTENTS

Part I - Terms for all users

1. Agreement structure, roles, and definitions

1.1 Roles and Approved Role Agreements

1.2 Campaigns, Rewards and Manifest

1.3 Order of Precedence

1.4 Updates

2. Accounts, authority, and electronic communications

2.1 Accounts, Eligibility and Approval

2.2 Credentials and Authorized Users

2.3 Electronic Acceptance, Records and Notices

2.4 Text Messages and Push Notifications

3. The platform and GFT's Role

3.1 Technology and Limited Payment Role

3.2 Third Parties

3.3 Platform Changes and Availability

3.4 No Guaranteed Results

4. Platform license, intellectual property, acceptable use, and automated agents

4.1 Limited License

4.2 GFT Rights

4.3 Prohibited Conduct

4.4 Automated Agents

5. Privacy, data, and security

5.1 Privacy Policy and Roles

5.2 Automated Reward Selection and Private Models

5.3 Aggregated and De-Identified Data

5.4 Security and Incidents

5.5 Retention

6. User and business materials; publicity; rights complaints

6.1 Materials and License

6.2 Responsibility and Review Rights

6.3 Publicity

6.4 Intellectual-Property and Other Rights Complaints

7. Suspension, payment holds, termination and service changes

7.1 GFT Risk-Control Rights

7.2 Payment Holds, Reserves, Reversals and Setoff

7.3 Ending Use

7.4 Effect and Survival

PART II - Shopper and reward terms

8. Shopper and reward terms

8.1 Marketer Offer and Contract

8.2 Reward Terms and Availability

8.3 Transfer; No Purchase or Sale

8.4 Promotional Nature; Cash Value

8.5 Shopper Conduct

9. Redemption, voids, returns and refunds

9.1 Availability and Applicability Check

9.2 Redemption

9.3 Voids, Failures and Duplicates

9.4 Merchandise Returns and Refunds

9.5 Support

10. Gift cards, stored value, debit card and other regulated rewards

10.1 Separate Program Terms

10.2 Verification and Limits

10.3 Purchase Restrictions

10.4 Games, Sweepstakes, Contests and Digital Collectibles

Part III - GFT business user agreement

11. GFT business user agreement

11.1 Separate Business Agreement; Incorporation

11.2 Gated Role Agreements

11.3 Authority and Verification

11.4 Affiliates, Agencies, Administrators and Multiple Roles

11.5 Payment Accounts, Authoritative Records and Disputes

11.6 Independent Parties; No Minimums or Exclusivity

12. Confidentiality and rate cards

12.1 Confidential Information

12.2 Use, Protection and Disclosure

12.3 Rate Cards; Heightened Protection

12.4 Exclusions and Required Disclosure

12.5 Duration, Return and Existing NDAs

13. Business warranties, indemnification, and insurance

13.1 Business Warranties

13.2 Business-User Indemnity

13.3 Limited GFT Intellectual-Property Indemnity

13.4 Indemnity Procedure

13.5 Conditional Insurance

14. Business liability limits

14.1 Excluded Damages