Terms of Service

These Terms of Service ("Terms") govern your use of Equivalent Exchange, a digital loyalty and rewards platform operated by [Equivalent Exchange — legal entity name] ("we", "us"). By creating an account or using the service, you agree to these Terms. If you are using the service on behalf of a business, you represent that you have authority to bind that business.

Equivalent Exchange lets businesses ("Merchants") create and operate digital loyalty programs — branded reward cards, QR sign-up, Apple and Google Wallet passes, notifications, and related analytics. End customers of Merchants ("Customers") can join a Merchant's program and collect and redeem rewards.

You must provide accurate information when creating an account and keep your credentials secure. You are responsible for activity under your account. We may suspend or terminate accounts that violate these Terms or put the service or other users at risk.

• Paid plans are billed monthly through Stripe. Prices and plan features are described on our pricing page and may change with notice.
• New Merchant accounts may include a free trial. When a trial ends without an active paid subscription, paid features are disabled until a subscription starts.
• You can upgrade, downgrade, or cancel at any time from the billing portal. Cancellation takes effect at the end of the current billing period; we do not provide prorated refunds except where required by law.
• If a renewal payment fails, we retry it. If payment ultimately cannot be collected, the subscription is canceled and paid features are disabled.

• You are responsible for the rewards you offer and for honoring them with your Customers. We provide the platform; the loyalty program itself is yours.
• You must have a lawful basis for collecting and using your Customers' information through the platform, and you must comply with applicable consumer-protection and privacy laws in your jurisdiction.
• You may not use the platform to send spam or content that is unlawful, deceptive, or infringing.

You may not attempt to disrupt the service, access other organizations' data, circumvent usage limits or security controls, reverse engineer the platform, or use automated means to create accounts or generate loyalty activity that does not reflect real customer visits.

You retain ownership of the content you upload (logos, card designs, program details) and your program data. You grant us the license needed to host, display, and process that content to operate the service. Our handling of personal information is described in our Privacy Policy.

The service integrates with third parties, including Stripe (payments) and Apple and Google (wallet passes). Your use of those features is also subject to the applicable third party's terms, and we are not responsible for third-party services.

We work to keep the service available and secure, but it is provided "as is" and "as available" without warranties of any kind. We may modify or discontinue features with reasonable notice where the change is material to paid functionality.

To the maximum extent permitted by law, we are not liable for indirect, incidental, special, consequential, or punitive damages, or for lost profits, revenue, or data. Our total liability for any claim arising out of the service is limited to the amounts you paid us in the twelve months before the claim arose.

You may stop using the service and cancel your subscription at any time. We may suspend or terminate access for breach of these Terms. Upon termination you may request a copy of your program data by contacting support before the account is deleted.

These Terms are governed by the laws of [governing jurisdiction], without regard to conflict-of-law rules.

We may update these Terms from time to time. If a change is material, we will notify account holders by email or in-app notice before it takes effect. Continued use after the effective date constitutes acceptance.

Questions about these Terms: support@eqxchange.com.