Terms & Conditions

Last updated: 20 July 2026 · Version 1.1

1. Who we are and what these Terms cover

REWARTS ("Rewarts", "we", "us", "our") is a brand operated by Weybey Labs Ltd., a corporation incorporated under the Business Corporations Act (Ontario, Canada), Ontario Corporation Number 1001524076, with its registered office at 2482 Yonge Street North, Unit 1218, Toronto, Ontario, M4P 2H5, Canada ("Weybey Labs"). Contact: contact@rewarts.com.

These Terms & Conditions ("Terms") are a legally binding agreement between you and Weybey Labs and govern your access to and use of the rewarts.com website (the "Website"), the Rewarts mobile application (the "App") and the card-linked cashback service made available through them (together, the "Service"). By creating an Account, linking a Payment Card, or otherwise using the Service, you confirm that you have read, understood and accept these Terms and our Privacy Policy. If you do not agree, do not use the Service.

2. Definitions

• "Account" — your personal Rewarts user account.
• "Cashback" — the promotional rebate credited to your Cashback Balance in respect of a Qualifying Transaction.
• "Cashback Balance" — the running total of Pending and Confirmed Cashback recorded in your Account.
• "Confirmed Cashback" — Cashback that a Participating Merchant has confirmed as final following the applicable confirmation period.
• "Offer" — a cashback arrangement relating to a Participating Merchant, including its rate, conditions and exclusions, as displayed in the App at the relevant time.
• "Participating Merchant" — a merchant at which an Offer is available at the relevant time.
• "Partner Network" — the regulated third-party network(s) and card-scheme infrastructure through which card enrolment, transaction monitoring, matching and offer administration are performed.
• "Payment Card" — an eligible Visa or Mastercard payment card issued in your name that you link to your Account.
• "Payout" — a withdrawal of Confirmed Cashback to a payout destination using a Payout Option.
• "Payout Option" — a payout method made available by Rewarts from time to time.
• "Pending Cashback" — Cashback recorded but not yet confirmed by the Participating Merchant.
• "Qualifying Transaction" — a purchase made with a linked Payment Card at a Participating Merchant that satisfies the conditions of the applicable Offer.

3. The Service — what Rewarts is and is not

Rewarts is a card-linked cashback service. You link a Payment Card once; when you pay with it at a Participating Merchant, the transaction is identified through the Partner Network and the applicable card-scheme infrastructure, and the corresponding Cashback is credited to your Cashback Balance — first as Pending, then as Confirmed.

Weybey Labs is a technology and distribution company. It is not a bank, credit institution, electronic money institution, payment institution or deposit-taking institution, and does not itself provide regulated banking, payment or electronic money services. Payouts are executed by licensed third-party payment providers under their own terms. The Service does not include the sale of any goods or services by us: your purchase contracts are exclusively with the relevant merchant, and we are not a party to them.

4. Eligibility

• You must be at least 18 years old and have full legal capacity.
• You must be resident in a country in which the Service is offered. The list of supported countries is shown in the App and may change.
• The Service is for personal, non-commercial use only. Business, corporate and procurement card use is not permitted unless expressly enabled.
• We may refuse, suspend or limit registration at our reasonable discretion, including for risk, fraud-prevention or legal reasons.

5. Your Account

• One Account per person. Information you provide must be accurate, current and complete, and kept up to date.
• Your Account is personal and non-transferable. You must not share credentials or allow others to use your Account.
• You are responsible for all activity under your Account unless it results from a security failure on our side. Notify us immediately at contact@rewarts.com if you suspect unauthorised access.
• We may require identity verification (including document checks) before enabling certain features — in particular Payouts — where required by law, by our payment providers, or reasonably necessary to prevent fraud. Failure to complete verification may result in features remaining unavailable.

6. Card linking and transaction data

• You may only link Payment Cards issued in your own name which you are authorised to use. Some card types (e.g. certain prepaid, corporate or virtual cards) may not be supported.
• By linking a Payment Card you expressly instruct and authorise the card schemes (Visa, Mastercard) and the Partner Network to monitor transactions made with that card at Participating Merchants and to share transaction data (such as merchant identifier, amount, currency, date and time) with us for the purpose of identifying Qualifying Transactions and attributing Cashback. This authorisation remains in effect until you unlink the card.
• Card enrolment and transaction matching are performed by service providers certified to the Payment Card Industry Data Security Standard (PCI DSS). Your card number is tokenized at the point of entry. Rewarts never receives or stores your full card number.
• You can unlink a Payment Card at any time in the App. Unlinking stops monitoring of that card prospectively; Cashback already accrued is unaffected.
• Transaction monitoring depends on the card schemes and the Partner Network reporting transactions. Not every transaction is technically visible (for example, certain wallets, gift-card payments, or merchant terminal configurations may prevent matching). We are not responsible for transactions that cannot be matched for reasons outside our control.

7. Offers — no guarantee of continued availability

Offers are promotional arrangements funded through our merchant and network partnerships. No Offer is permanent or guaranteed. Participating Merchants, cashback rates, Offer conditions, category classifications and country availability may be added, changed, restricted, suspended, withdrawn or discontinued at any time, in whole or in part, without prior notice and without liability to you. The fact that a merchant or rate is available at one point in time creates no entitlement that it will remain available, at the same rate or at all.

• Rates shown in the App or on the Website are "up to" indications unless expressly stated otherwise. The rate applied to a transaction is the rate in force for that Offer at the moment of the transaction.
• Each Offer may carry its own conditions and exclusions. Common exclusions include: gift cards and vouchers; taxes, tips, shipping and fees; balance transfers and cash-like transactions; purchases refunded, cancelled or charged back; purchases breaching the merchant's own terms; and transactions flagged as fraudulent.
• Offers may be limited to online purchases, in-store purchases, specific countries, first purchases, or capped per transaction, per period or per user.
• In case of conflict between marketing materials and the Offer details shown in the App at the time of the transaction, the App details prevail.

8. Accrual, confirmation, reversal and corrections

• Cashback first appears as Pending. It becomes Confirmed only after the Participating Merchant has confirmed the purchase as final, which can take from a few days to several weeks (longer for travel bookings, where confirmation may follow completion of the stay or trip) depending on the merchant, industry and applicable return, cancellation or dispute periods.
• Pending Cashback confers no entitlement. If a purchase is refunded (in whole or in part), cancelled, charged back, not completed, or determined by the merchant or the Partner Network to be non-qualifying, the related Cashback will be reversed or reduced accordingly — including, where already paid out, by deduction from your Cashback Balance or from future Cashback, or by our requesting repayment.
• Merchant confirmation decisions are made by the merchant and the Partner Network. We will assist with reasonable queries but cannot override a merchant's determination.
• We may at any time correct errors in accrued, credited or displayed amounts (including rate errors and duplicated transactions).

9. Payouts and payout fees

• You may request a Payout of your Confirmed Cashback using the Payout Options that Rewarts makes available from time to time. Payout Options are set by Rewarts and may be added, changed or removed at any time.
• Fees may apply to Payouts, and the applicable fees can change and vary — including by Payout Option, payout provider, destination, currency and amount. Minimum withdrawal amounts and frequency limits may apply. The fees and any minimums applicable to your Payout are displayed in the App before you confirm the withdrawal; by confirming, you accept them.
• Where a Payout involves a currency conversion, the conversion is performed by the relevant payout provider at its applicable rate at the time of execution; that rate may include a margin and may vary.
• Payouts are executed by licensed third-party payment providers. Execution times depend on the provider, method and destination and are indicative only.
• You are responsible for providing accurate payout details. We and our providers are not liable for Payouts sent to details you supplied incorrectly, where the Payout was executed in accordance with those details.
• We may decline, withhold, reverse or delay a Payout where required by law or card-scheme rules, where verification under Section 5 is incomplete, or where we reasonably suspect fraud, abuse or breach of these Terms, pending investigation.

10. Nature of your Cashback Balance

Your Cashback Balance is a record of promotional rebates on your own spending. It is not electronic money, a deposit, a payment account, an investment or legal tender; it bears no interest; and it is not covered by any deposit-guarantee or investor-compensation scheme. Amounts have no cash value until Confirmed and withdrawn in accordance with these Terms. Cashback obtained through fraud or material breach of these Terms may be forfeited on Account closure.

11. Dormant accounts

If your Account shows no login and no Qualifying Transaction for an extended period (at least 24 consecutive months), we may designate it dormant. Before doing so, and before any consequence affecting a Confirmed balance, we will notify the email address on file and give you at least 60 days to log in or withdraw. We do not currently charge dormancy fees; if that changes, it will only be introduced by way of a Terms change under Section 22.

12. Referral programme

Where offered, you can invite friends and earn a referral bonus equal to a percentage of their Confirmed Cashback (currently 5%), without reducing their cashback. Referral terms — including the percentage, eligibility, caps and duration — are part of the promotional programme and may be changed, suspended or withdrawn at any time. The following are prohibited and void: self-referrals, referrals of fake or duplicate accounts, paid or incentivised mass-invitation schemes, spam, and misleading representation of Rewarts. We may withhold or reverse referral bonuses in cases of abuse.

13. Taxes

Cashback is generally a rebate on your own spending; depending on your jurisdiction and personal circumstances, tax may nonetheless apply to amounts you receive (in particular referral bonuses). You are solely responsible for determining and meeting any tax obligations arising from your use of the Service. We do not provide tax advice.

14. Acceptable use

• No fraud, misrepresentation, or abuse of Offers — including artificial, circular or self-dealing transactions made primarily to generate Cashback, exploitation of pricing or rate errors, and coordinated multi-account schemes.
• No use of another person's card or identity; no linking of cards you are not authorised to use.
• No automated access, scraping, data mining, penetration testing without written consent, reverse engineering, or interference with the operation or security of the Service.
• No use of the Service in violation of applicable law, sanctions, or card-scheme rules; no use in connection with money laundering or terrorist financing.
• No resale or commercial exploitation of the Service or its content.

Breach of this Section may result in reversal of Cashback, refusal of Payouts, suspension or termination under Section 20, and — where appropriate — reporting to competent authorities.

15. App licence and app-store terms

• We grant you a personal, revocable, non-exclusive, non-transferable licence to install and use the App on devices you own or control, solely to use the Service in accordance with these Terms. All rights not expressly granted are reserved.
• If you download the App from the Apple App Store: these Terms are between you and Weybey Labs, not Apple Inc. ("Apple"); Apple has no obligation to provide maintenance or support; in the event of the App's failure to conform to an applicable warranty, you may notify Apple and Apple will refund the purchase price (if any), with any other warranty claims governed by these Terms; Apple is not responsible for addressing claims relating to the App (including product liability, regulatory and IP claims); Apple and its subsidiaries are third-party beneficiaries of these Terms and may enforce them against you; and you represent that you are not located in an embargoed country and are not on any restricted-party list.
• If you download the App from Google Play, the Google Play Terms of Service apply in addition to these Terms.
• You are responsible for your device, its security, and any data charges. The App requires a supported OS version; supported versions may change.

16. Intellectual property

The Service, the REWARTS name, logo, design and all content, software and databases are owned by Weybey Labs or its licensors and are protected by intellectual-property laws. You may not copy, modify, distribute, or create derivative works from them except as permitted by law. Merchant brands and logos are the property of their respective owners and are displayed solely to identify Participating Merchants; their display does not imply endorsement or any relationship beyond programme participation. If you send us feedback or suggestions, we may use them without restriction or compensation.

17. Third-party services

The Service interoperates with third parties — card schemes, the Partner Network, payout providers, app stores and hosting providers. Their services are governed by their own terms and privacy policies, and we are not responsible for their acts or omissions except as required by mandatory law. Links to merchant websites are provided for convenience; we are not responsible for their content.

18. Electronic communications and notices

You agree that we may provide all communications relating to the Service — including notices, Terms changes and statements — electronically, via the App, the Website or the email address on your Account. Notices to us should be sent to contact@rewarts.com. Keep your email address current; a notice sent to the address on file is deemed received even if the address is no longer active.

19. Availability and changes to the Service

The Service is provided "as available". We do not guarantee uninterrupted or error-free operation and may perform maintenance, updates and changes at any time. We may modify, suspend or discontinue the Service or any feature, in whole or in part, in any market, at any time. Where discontinuation of the entire Service affects Confirmed balances, Section 20 applies.

20. Suspension, termination and closure

• By you: you may close your Account at any time in the App or by writing to us. Before closure, you may withdraw any Confirmed Cashback above the applicable minimum in accordance with Section 9.
• By us, for cause: we may suspend or terminate your Account with immediate effect in cases of fraud, material breach of these Terms, legal or card-scheme requirement, or a demonstrable risk to the Service or other users. In cases of fraud or material breach, unlawfully obtained Cashback may be forfeited.
• By us, without cause / discontinuation: we may terminate these Terms or discontinue the Service with at least 30 days' notice. In that case — and on any closure other than for fraud or material breach — we will give you a reasonable opportunity (at least 60 days from notice) to withdraw your Confirmed Cashback above the applicable minimum, subject to Section 9.
• Sections that by their nature survive termination (including 10, 13, 16, 21, 24 and 25) survive.

21. Disclaimers and liability

Nothing in these Terms excludes or limits liability that cannot be excluded or limited by applicable law — including liability for fraud or fraudulent misrepresentation, for death or personal injury caused by negligence, or under mandatory consumer-protection law. Subject to that:

• The Service is provided without warranties of any kind beyond those required by law.
• We are not liable for: the products, services, acts or omissions of merchants; Offers being changed or withdrawn in accordance with Section 7; transactions that cannot be matched for reasons described in Section 6; determinations made by merchants or the Partner Network under Section 8; delays or failures of third-party payment providers, card schemes, app stores or hosting providers; events of force majeure (Section 23); or loss of profit, loss of opportunity, or indirect or consequential loss.
• Our total aggregate liability arising out of or in connection with the Service in any 12-month period is limited to the higher of (a) the Confirmed Cashback Balance in your Account at the time the first claim arose and (b) EUR 100.
• You will compensate us for losses we suffer as a direct result of your fraud or material breach of these Terms, except to the extent such losses were caused by us. Nothing in this paragraph limits your statutory rights.

22. Changes to these Terms

We may amend these Terms — for example to reflect changes in law, the Partner Network, Payout Options, security requirements, or the scope of the Service. For material changes we will notify you at least 30 days before the effective date via the App or email. If you do not agree, you may close your Account free of charge before the changes take effect; continued use after the effective date constitutes acceptance. Non-material changes (such as clarifications or corrections that do not reduce your rights) may take effect on publication.

23. Force majeure

We are not responsible for delay or failure to perform caused by events beyond our reasonable control, including acts of God, natural disasters, epidemics, war, terrorism, civil unrest, labour disputes, power or telecommunications failures, failures of card schemes or banking infrastructure, cyber-attacks, and acts of government.

24. General provisions

• Assignment: you may not assign or transfer your rights under these Terms. We may assign these Terms to an affiliate or in connection with a merger, acquisition or sale of assets, provided your rights are not reduced; we will notify you of any such assignment.
• Severability: if any provision is held invalid or unenforceable, the remainder stays in effect, and the provision is enforced to the maximum extent permissible.
• No waiver: our failure to enforce a provision is not a waiver of it.
• Entire agreement: these Terms, together with the documents referred to in them (including the Privacy Policy and Cookie Policy), are the entire agreement between you and us regarding the Service.
• No third-party rights: except as stated in Section 15 (Apple), these Terms create no rights for third parties.
• Language: these Terms are drawn up in English; translations, where provided, are for convenience and the English version prevails to the extent permitted by law.

25. Governing law and disputes

These Terms are governed by the laws of the Province of Ontario, Canada and the federal laws of Canada applicable therein — without prejudice to any mandatory consumer-protection provisions of the law of your country of habitual residence, which continue to apply and prevail where they give you greater protection. Subject to any mandatory jurisdiction rules in your favour, disputes are subject to the non-exclusive jurisdiction of the courts of Ontario. If you are an EU resident, you may also be able to use the European Commission's Online Dispute Resolution platform or local consumer arbitration bodies.

26. Complaints and contact

Complaints can be raised free of charge at contact@rewarts.com. We acknowledge complaints promptly and aim to provide a final response within 15 business days; where that is not possible for reasons beyond our control, we will explain the delay and respond in any event within 35 business days. If your complaint concerns a payout provider's regulated service, we will direct you to that provider's complaints process and assist where we reasonably can.