Terms & Conditions - Love Cashback

Effective Date: 11 November 2025

Love Cashback Platform
Operated by Love Savings Group Limited
Company Number: 11734108
Registered Office: 124 City Road, London, EC1V 2NX, United Kingdom

IMPORTANT NOTICE

Please read these Terms of Use carefully before using the Love Cashback platform. By creating an account, accessing our website at www.lovecashback.ca, or using any of our mobile applications, browser extensions, or related services (collectively, the "Platform"), you acknowledge that you have read, understood, and agree to be bound by these Terms of Use ("Terms" or "Agreement").

If you do not agree to these Terms, you must discontinue use of the Platform immediately.

ARTICLE 1: DEFINITIONS AND INTERPRETATION

1.1 Definitions

For purposes of this Agreement:

"Account" means your registered user profile on the Platform.
"Affiliate Network" means third-party intermediaries that facilitate commission payments between merchants and the Platform.
"Approved Balance" means Rewards that have been validated by the merchant and credited to your Account as available for withdrawal.
"Qualifying Transaction" means a Tracked Transaction that meets all eligibility requirements, including: (a) the transaction was initiated by you personally clicking an activation link on the Platform, (b) the purchase was completed in the same browsing session, and (c) any applicable Special Terms were satisfied. Only the first transaction per shopping session is eligible.
"Cashback" or "Rewards" means commission-based rebates earned through qualifying purchases.
"Merchant" means any retailer, service provider, or business participating in the Platform's cashback program.
"Minimum Threshold" means the minimum account balance required to request a withdrawal, currently twenty Canadian dollars (CAD $20.00).
"Payable Balance" means Approved Balance that has been funded by the merchant or Affiliate Network and is eligible for withdrawal.
"Pending Rewards" means tracked transactions awaiting merchant validation.
"Platform" means all websites, mobile applications, browser extensions, and services operated by Love Savings Group Limited under the Love Cashback brand for the Canadian market.
"Province" means a province or territory of Canada.
"Special Terms" means merchant-specific conditions, exclusions, or requirements applicable to individual offers.
"Tracked Transaction" means a purchase identified by the Platform's affiliate tracking technology.
"We," "us," "our," or "Love Cashback" means Love Savings Group Limited.
"You" or "your" means the individual user of the Platform.

1.2 Interpretation

Headings are for convenience only. References to sections include subsections. Singular includes plural and vice versa. "Including" means "including without limitation." All monetary amounts are in Canadian dollars (CAD) unless otherwise specified.

ARTICLE 2: ACCEPTANCE AND MODIFICATIONS

2.1 Binding Agreement

These Terms constitute a legally binding contract between you and Love Savings Group Limited. Additional policies including our Privacy Policy and Cookie Policy are incorporated by reference and form part of this Agreement.

2.2 Amendments

We reserve the right to modify these Terms at any time. Changes become effective upon posting to the Platform with a revised Effective Date. Material modifications may be communicated via email or in-platform notification. Your continued use of the Platform following such changes constitutes acceptance of the revised Terms. If you object to any modification, your sole remedy is to discontinue use and close your Account in accordance with Article 5.

2.3 Additional Terms

Certain features, promotions, or merchant offers may be subject to Special Terms. Where Special Terms conflict with these Terms, the Special Terms shall govern solely with respect to that specific feature or offer.

ARTICLE 3: ELIGIBILITY AND REGISTRATION

3.1 Age and Residency Requirements

To register an Account and receive Rewards, you must:

Be at least the age of majority in your Province of residence (18 or 19 years of age depending on Province);
Be a legal resident of Canada;
Possess legal capacity to enter into binding contracts under applicable law.

3.2 Provincial Age Requirements

The age of majority varies by Province:

19 years: British Columbia, New Brunswick, Newfoundland and Labrador, Northwest Territories, Nova Scotia, Nunavut, Ontario, Prince Edward Island, Saskatchewan, and Yukon
18 years: Alberta, Manitoba, and Quebec

3.3 Account Limitations

Each individual may maintain only one (1) Account. Creation of multiple accounts is prohibited and may result in suspension or termination of all associated accounts without compensation.

3.4 Restricted Jurisdictions

We may deny or restrict access to users located in jurisdictions subject to Canadian economic sanctions, export controls under the Special Economic Measures Act or United Nations Act, or where Platform operation would violate local law or pose elevated legal or financial risk.

3.5 Account Registration

During registration, you must provide accurate, current, and complete information. You agree to maintain and promptly update your Account information. Provision of false, misleading, or outdated information may result in Account suspension or termination.

3.6 Account Security

You are responsible for maintaining the confidentiality of your login credentials. You agree to notify us immediately of any unauthorized use of your Account. We are not liable for losses resulting from unauthorized access unless caused by our gross negligence.

3.7 International Access

While individuals outside Canada may access the Platform for informational purposes, only Canadian residents with a valid Canadian bank account, Canadian PayPal account, or other approved Canadian payment method are eligible to earn and withdraw Rewards.

ARTICLE 4: HOW THE PLATFORM OPERATES

4.1 Commission-Based Model

Love Cashback operates as an affiliate marketing platform. When you complete a qualifying purchase through a tracked merchant link, that merchant or its Affiliate Network pays us a commission. We share a portion of that commission with you as Rewards.

4.2 No Guarantee of Commission

We do not guarantee that any particular transaction will result in commission payment. Commission rates, tracking success, and payment depend entirely on merchant policies, technical factors, and third-party systems beyond our control.

4.3 Merchant Relationships

We maintain independent relationships with merchants and Affiliate Networks. We are not an agent, employee, or representative of any merchant. Merchants may modify or terminate their participation in the Platform at any time without notice.

4.4 Offer Display

Rates displayed are known at time of publication but are subject to change without notice by the merchant or by the affiliate network. We cannot guarantee the displayed rates are what is received by the customer. All rates are shown in Canadian dollars unless otherwise specified.

4.5 GST/HST/PST/QST Considerations

Cashback rewards are calculated based on the commission we receive from merchants. Depending on merchant policies, commissions may be calculated on pre-tax or post-tax amounts. The specific calculation method varies by merchant and is not within our control.

ARTICLE 5: ACCOUNT MANAGEMENT

5.1 Account Maintenance

You must maintain a valid email address and accept essential service communications related to Account security, policy changes, and legal notices. While you may opt out of promotional communications, transactional and legal notifications are mandatory.

5.2 Language Preferences

In accordance with Canadian language rights, Platform communications are available in English and French. You may select your preferred language in your Account settings. In Quebec, communications will default to French unless you select English.

5.3 Inactive Accounts

Accounts with no login activity for twelve (12) consecutive months are considered inactive. We may assess a reasonable monthly maintenance fee against inactive Accounts. Fee amounts will be disclosed via email at least thirty (30) days prior to assessment.

5.4 Account Suspension

We may temporarily suspend your Account if:

We suspect fraudulent activity or Terms violations;
Your Account information is inaccurate or incomplete;
Required identity verification is pending;
We receive legal process requiring suspension;
Technical or security issues necessitate suspension.

During suspension, you cannot earn new Rewards or request withdrawals. Suspension does not affect existing contractual obligations.

5.5 Voluntary Account Closure

You may request Account closure at any time by contacting customer support. Before processing closure, we will:

Display your current Approved Balance;
Display any Pending Rewards;
Require you to withdraw any Payable Balance meeting the Minimum Threshold.

5.6 Treatment of Balances Upon Closure

Upon Account closure:

Payable Balance ≥ Minimum Threshold: You must withdraw this balance before closure will be processed.
Approved Balance < Minimum Threshold but > $0: This balance will be forfeited unless prohibited by applicable provincial law.
Pending Rewards: All Pending Rewards are cancelled and will not become payable, regardless of subsequent merchant validation.
Zero Balance: Closure is processed immediately.

5.7 Data Handling Post-Closure

Following Account closure, personal data is processed in accordance with our Privacy Policy and applicable privacy legislation including the Personal Information Protection and Electronic Documents Act (PIPEDA) or equivalent provincial legislation. For regulatory compliance, certain transaction records may be retained in pseudonymized form (e.g., identified as "User [random ID]" rather than your name). Once pseudonymization occurs, transactions cannot be re-attributed to you. If a merchant later confirms payment for a pseudonymized transaction, we cannot credit you and will retain the funds in accordance with Article 12.

5.8 Finality of Closure

Account closure is permanent and irreversible. Closed Accounts and forfeited balances cannot be reinstated under any circumstances.

5.9 Involuntary Termination

We may terminate your Account immediately for:

Material breach of these Terms;
Fraudulent or illegal activity;
Repeated violations of merchant terms;
Interference with Platform operation or security;
At our sole discretion for any reason or no reason, subject to applicable consumer protection laws.

Upon involuntary termination, you forfeit all Rewards, including Payable Balance, except where prohibited by law.

ARTICLE 6: EARNING REWARDS

6.1 Qualifying Transactions

To earn Rewards, you must:

Access the merchant's website by clicking through a tracked link provided by the Platform;
Complete your purchase in a single, uninterrupted browsing session immediately following click-through;
Enable cookies and not use ad-blocking software, VPNs, private/incognito browsing modes, or other technologies that interfere with tracking;
Not use any other cashback service, affiliate link, coupon extension, or referral link during the same session;
Complete the transaction while the offer is active and before any stated expiration;
Comply with all merchant terms of sale and any Special Terms applicable to the offer.

6.2 Tracking Technology

Rewards tracking relies on cookies, pixels, device identifiers, and third-party affiliate tracking systems. Tracking may fail due to:

User browser settings or privacy tools;
Merchant technical issues;
Affiliate Network errors;
Network connectivity problems;
Use of promotional codes not provided by the Platform;
Multiple devices or browsers during a single transaction;
Cart abandonment followed by later purchase without re-clicking.

We are not responsible for tracking failures caused by factors outside our control.

6.3 Excluded Transactions

The following transactions do not qualify for Rewards unless expressly stated:

Purchases of gift cards, store credit, or cash equivalents;
Transactions using unauthorized coupon codes;
Orders cancelled or returned by you or the merchant;
Purchases made for commercial resale;
Orders flagged as fraudulent by the merchant or payment processor;
Transactions completed without proper tracking;
Purchases violating merchant terms of service;
Purchases of alcohol, cannabis, tobacco, or other age-restricted or regulated products where prohibited.

6.4 Reward Statuses

Rewards progress through the following statuses:

Tracked: Click detected but a transaction has not yet been validated by the merchant.
Pending: Merchant has recognised the transaction but payment has not been received.
Approved: Merchant has approved the transaction and the Reward is eligible for withdrawal.
Paid: Reward has been withdrawn from your Account.
Void: Transaction did not qualify or was rejected by the merchant.
Reversed: Previously approved Reward has been reclaimed due to return, cancellation, or error.

6.5 Validation Timeline

Merchants typically validate transactions within thirty (30) to ninety (90) days, though timelines vary. Some merchants require significantly longer periods. Rewards remain Pending until merchant validation and may be Void at any time prior to payment.

6.6 Commission Receipt

Rewards become Payable only after we receive commission payment from the merchant or Affiliate Network. Merchants may delay payment for months or withhold payment entirely if they determine a transaction does not qualify under their terms.

ARTICLE 7: SPECIAL OFFER TERMS

7.1 Merchant-Specific Conditions

Individual offers may include Special Terms such as:

Product category exclusions;
Minimum purchase requirements;
Maximum cashback limits;
Geographic restrictions;
New customer requirements;
Coupon code restrictions;
Limited-time availability;
Provincial exclusions or variations.

7.2 User Responsibility

You are solely responsible for reviewing and complying with Special Terms before completing a transaction. Special Terms are displayed on the relevant offer page and are incorporated into these Terms by reference. Failure to comply with Special Terms may result in Reward denial.

7.3 Changes to Offers

Merchants may modify or terminate offers without notice. We endeavor to update offer information promptly but do not guarantee real-time accuracy. The terms in effect at the time of your click-through govern, provided the transaction is properly tracked.

7.4 Provincial Variations

Some offers may vary by Province or may not be available in all Provinces due to merchant policies, regulatory requirements, or logistical considerations.

ARTICLE 8: PAYMENTS AND WITHDRAWALS

8.1 Minimum Threshold

You may request withdrawal only when your Payable Balance equals or exceeds the Minimum Threshold of twenty Canadian dollars (CAD $20.00). We may adjust the Minimum Threshold upon thirty (30) days' notice.

8.2 Payment Methods

Withdrawals may be processed via:

PayPal transfer to a Canadian PayPal account;
Electronic Funds Transfer (EFT) or Interac e-Transfer to a Canadian bank account;
Electronic gift cards;
Charitable donation to registered Canadian charities;
Other methods offered from time to time.

8.3 Payment Information

You must provide accurate payment details. We are not responsible for:

Delays or failures caused by incorrect information;
Fees charged by third-party payment processors, financial institutions, or PayPal;
Currency conversion fees;
Failed payments due to closed or restricted recipient accounts;
Interac e-Transfer security question errors or expired transfers.

8.4 Processing Time

Withdrawal requests are typically processed within seven (7) to fourteen (14) business days, though delays may occur due to verification requirements, payment processor schedules, financial institution processing times, or technical issues. We do not guarantee specific processing timeframes.

8.5 Verification Requirements

We may require identity verification, tax documentation (including Social Insurance Number for tax reporting purposes), or fraud checks before processing withdrawals, particularly for:

First-time withdrawals;
Large payment amounts;
Accounts with unusual activity patterns;
Compliance with anti-money laundering regulations under the Proceeds of Crime (Money Laundering) and Terrorist Financing Act (PCMLTFA);
Tax reporting obligations under the Income Tax Act.

Failure to provide requested documentation within thirty (30) days may result in withdrawal denial and potential Account termination.

8.6 Payment Failures

If a payment fails due to incorrect recipient information, we may assess a reprocessing fee not to exceed five Canadian dollars (CAD $5.00). After three (3) failed payment attempts, we may suspend withdrawal privileges pending Account review.

8.7 Tax Responsibility

You are solely responsible for all taxes on Rewards received. Cashback rewards may be considered taxable income under the Income Tax Act. We may issue T4A slips and report payments to the Canada Revenue Agency (CRA) as required by law. We do not provide tax advice. You should consult a qualified tax professional regarding your specific tax obligations.

8.8 Quebec Tax Considerations

For Quebec residents, we may also be required to report payments to Revenu Québec and issue Relevé 1 (RL-1) slips as required under Quebec tax law.

ARTICLE 9: GIFT CARD REDEMPTIONS

9.1 Availability

Gift card options are subject to change without notice based on third-party partner availability. Available gift cards may vary by Province.

9.2 Terms and Limitations

Gift cards are subject to:

Issuer terms and conditions;
Expiration dates set by the issuer, subject to provincial gift card legislation;
Usage restrictions imposed by the issuer;
Delivery delays caused by issuer or delivery systems;
Provincial consumer protection laws regarding gift cards.

9.3 Provincial Gift Card Laws

Certain Provinces have enacted legislation protecting consumers from gift card expiry dates and fees. While we offer gift cards from third-party issuers, those issuers must comply with applicable provincial laws including but not limited to:

Ontario's Consumer Protection Act, 2002
British Columbia's Business Practices and Consumer Protection Act
Alberta's Gift Card Regulation under the Fair Trading Act
Quebec's Consumer Protection Act

9.4 Non-Refundable

Gift card redemptions are final and non-refundable except where required by law. Once a gift card code is delivered, it cannot be exchanged for cash or alternative payment methods, subject to provincial consumer protection legislation.

9.5 Identity Verification

To prevent fraud, we may require enhanced identity verification before processing gift card redemptions, particularly for high-value cards or accounts with limited history.

ARTICLE 10: ADJUSTMENTS AND REVERSALS

10.1 Error Correction

We reserve the right to correct any Reward amount resulting from:

Technical errors or system malfunctions;
Obvious pricing or calculation mistakes;
Incorrect commission data from merchants or Affiliate Networks;
Duplicate tracking or crediting.

10.2 Merchant Clawbacks

If a merchant or Affiliate Network reverses commission payment for any reason, including but not limited to:

Product returns or cancellations;
Chargebacks or payment disputes;
Determination that transaction did not qualify;
Fraudulent activity;

We will reverse the corresponding Reward, even if previously marked as Payable or Paid. If your Account balance is insufficient to cover the reversal, your balance may become negative. You agree to reimburse negative balances upon request, subject to applicable consumer protection laws.

10.3 Timing of Adjustments

Adjustments may occur at any time, including after Rewards have been withdrawn. We will notify you of material adjustments via email when practicable.

10.4 Abuse Detection

We employ automated and manual fraud detection systems. Accounts exhibiting suspicious patterns may have Rewards withheld or reversed pending investigation. Patterns indicating abuse include but are not limited to:

Unusually high transaction volumes;
Repeated returns or cancellations;
Use of multiple accounts;
Coordination with other users;
Exploitation of technical errors.

ARTICLE 11: MISSING CASHBACK CLAIMS

11.1 Claim Period

If a qualifying transaction does not appear in your Account within thirty (30) days of purchase, you may submit a claim within ninety (90) days of the original transaction date. Claims submitted after ninety (90) days will not be considered.

11.2 Required Documentation

Claims must include:

Order confirmation email or receipt;
Transaction date and amount;
Merchant name;
Proof of payment;
Confirmation that you clicked through the Platform immediately before purchase.

11.3 Claim Review

We will investigate claims in good faith but cannot guarantee resolution. Many merchants do not accept manual claims or provide retroactive tracking information. Claim approval is at our sole discretion and depends on merchant cooperation.

11.4 Ineligible Claims

We cannot process claims for:

Transactions that were tracked but Void by the merchant;
Purchases that do not meet qualifying transaction requirements;
Orders from merchants who do not participate in our manual claims process;
Transactions where you cannot provide adequate documentation.

ARTICLE 12: UNCLAIMED PROPERTY

12.1 Dormancy Period

If your Account remains inactive with no login for two (2) consecutive years with an Approved Balance, we will make reasonable efforts to contact you at your last known email address.

12.2 Provincial Unclaimed Property Laws

Canada does not have a federal unclaimed property law. However, certain Provinces have unclaimed property legislation:

British Columbia: Unclaimed Property Act
Alberta: Unclaimed Personal Property and Vested Property Act
Quebec: Civil Code provisions regarding unclaimed property
Other Provinces: May have common law or specific statutory provisions

12.3 Handling of Unclaimed Balances

After two (2) years of account inactivity, and following reasonable attempts to contact you, unclaimed balances may be:

Remitted to the appropriate provincial authority where such legislation exists;
Retained by Love Cashback in accordance with applicable law and subject to your right to claim such funds;
Donated to registered Canadian charities at our discretion.

12.4 Your Right to Claim

You retain the right to claim unclaimed balances by contacting us and verifying your identity, subject to any applicable limitation periods under provincial law. Where funds have been remitted to a provincial authority, you must file a claim directly with that authority.

12.5 Deleted Account Balances

If you voluntarily close your Account with a balance below the Minimum Threshold, such funds are forfeited to Love Cashback unless prohibited by applicable provincial consumer protection law. If subsequent merchant payments arrive after Account deletion and anonymization, we cannot attribute them to you and will handle such amounts in accordance with this Article 12.

ARTICLE 13: REFERRAL PROGRAM

13.1 Program Terms

Our referral program, if offered, allows users to earn bonuses by inviting new users. Program terms, bonus amounts, and qualifying conditions are subject to change without notice.

13.2 Fraud Prevention

We reserve the right to:

Deny or reverse referral bonuses suspected of fraud or abuse;
Limit the number of referrals per user;
Terminate accounts engaged in bulk promotion, incentivized signups, or self-referral;
Require verification before paying referral bonuses.

13.3 Program Modifications

We may modify, suspend, or terminate the referral program at any time without liability for unpaid bonuses not yet validated.

13.4 Quebec Anti-Pyramid Scheme Provisions

The referral program is structured to comply with Quebec's Consumer Protection Act provisions prohibiting pyramid schemes. Referral bonuses are paid solely for introducing new users who complete qualifying purchases, not for recruitment itself.

ARTICLE 14: INTELLECTUAL PROPERTY

14.1 Ownership

All content, software, designs, logos, trademarks, trade names, and other intellectual property on the Platform are owned by Love Savings Group Limited or our licensors and protected by United Kingdom, Canadian, and international intellectual property laws, including the Copyright Act (Canada) and Trade-marks Act (Canada).

14.2 Limited License

We grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Platform for personal, non-commercial purposes in accordance with these Terms. This license does not permit:

Reproduction, distribution, modification, or creation of derivative works;
Commercial exploitation of Platform content;
Use of automated tools to access, scrape, or extract data;
Reverse engineering or decompilation of Platform software;
Removal of proprietary notices or labels.

14.3 Trademark Usage

You may not use Love Cashback trademarks, logos, or branding without prior written permission. Unauthorized use may constitute trademark infringement under the Trade-marks Act (Canada).

14.4 Third-Party Intellectual Property

Merchant names, logos, and trademarks displayed on the Platform are the property of their respective owners. Display on the Platform does not imply endorsement of Love Cashback by such merchants.

ARTICLE 15: THIRD-PARTY SERVICES AND MERCHANTS

15.1 Independent Relationships

Love Cashback is not responsible for:

Merchant products, services, or conduct;
Merchant website content, privacy practices, or security;
Order fulfillment, shipping, or customer service;
Product quality, safety, or legality;
Merchant terms of sale or return policies;
Compliance with Canadian consumer protection laws or product safety standards.

15.2 Merchant Disputes

All disputes regarding purchased products or services must be resolved directly with the merchant. We are not a party to your transaction with the merchant and cannot process returns, exchanges, or refunds. Your consumer protection rights under federal and provincial law apply to your transaction with the merchant.

15.3 Third-Party Links

The Platform contains links to third-party websites. We do not control or endorse linked sites and are not responsible for their content, privacy practices, or terms of use. Access to third-party sites is at your own risk.

15.4 Age-Restricted Products

Some merchants sell age-restricted products such as alcohol, cannabis (where legal), tobacco, or adult content. You are solely responsible for ensuring compliance with all applicable federal and provincial age and legal restrictions, including but not limited to:

Provincial liquor control laws
The Cannabis Act and provincial cannabis legislation
The Tobacco and Vaping Products Act

ARTICLE 16: PROHIBITED CONDUCT

16.1 General Prohibitions

You agree not to:

Violate any applicable federal, provincial, or municipal law, regulation, or third-party right;
Use the Platform for fraudulent, illegal, or unauthorized purposes;
Share, distribute, or publish your unique tracking links for others to use;
Interfere with Platform security, integrity, or operation;
Attempt to gain unauthorized access to any Account, system, or network;
Use automated tools, bots, or scripts to access the Platform;
Transmit viruses, malware, or other harmful code;
Harass, threaten, or impersonate others;
Manipulate tracking systems or engage in click fraud;
Create multiple accounts or use others' accounts;
Exploit errors or vulnerabilities for personal gain;
Purchase products for commercial resale through the Platform;
Violate Canada's Anti-Spam Legislation (CASL) or privacy laws.

16.2 Enforcement

Violation of these prohibitions may result in:

Immediate Account termination;
Forfeiture of all Rewards;
Referral to law enforcement;
Legal action to recover damages.

ARTICLE 17: PRIVACY AND DATA PROTECTION

17.1 Privacy Policy

Our collection, use, and disclosure of personal information is governed by our Privacy Policy, available at www.lovecashback.ca/privacy. By using the Platform, you consent to such practices as described in the Privacy Policy.

17.2 PIPEDA and Provincial Privacy Laws

We comply with the Personal Information Protection and Electronic Documents Act (PIPEDA) and equivalent provincial privacy legislation, including:

Alberta's Personal Information Protection Act (PIPA)
British Columbia's Personal Information Protection Act (PIPA)
Quebec's Act respecting the protection of personal information in the private sector

17.3 Communications Consent

By creating an Account, you consent to receive transactional emails, security alerts, policy updates, and other essential service communications. While you may opt out of promotional communications (commercial electronic messages), you cannot opt out of transactional messages while maintaining an active Account. All commercial electronic messages comply with Canada's Anti-Spam Legislation (CASL).

17.4 Cookie Usage

The Platform uses cookies and similar tracking technologies. Our Cookie Policy, available at www.lovecashback.ca/cookies, explains how these technologies function and your choices regarding them.

17.5 Access and Correction Rights

Under PIPEDA and provincial privacy laws, you have the right to access your personal information held by us and to request correction of any inaccuracies. To exercise these rights, contact us using the information provided in Article 25.

ARTICLE 18: DISCLAIMERS AND WARRANTIES

18.1 "As Is" Basis

The Platform is provided on an "as is" and "as available" basis. To the extent permitted by applicable law, we disclaim all warranties of any kind, either express or implied, including but not limited to implied warranties and conditions of merchantability, merchantable quality, fitness for a particular purpose, title, and non-infringement.

18.2 No Guarantee of Service

We do not warrant that:

The Platform will be uninterrupted, secure, or error-free;
Transactions will be tracked or result in Rewards;
Merchants will validate transactions or pay commissions;
Rewards will be payable or paid in any specific timeframe;
Platform content is accurate, complete, or current;
Defects or errors will be corrected.

18.3 Third-Party Disclaimer

We expressly disclaim all liability for:

Merchant acts, omissions, products, or services;
Third-party website content or conduct;
Affiliate Network errors or failures;
Tracking technology malfunctions.

18.4 Provincial Consumer Protection Laws

Certain provincial consumer protection laws may provide you with warranties, conditions, guarantees, or other rights that cannot be excluded, restricted, or modified by agreement. Nothing in these Terms is intended to contravene mandatory provincial consumer protection legislation or to exclude, restrict, or modify any non-excludable statutory rights. Where such legislation applies, our liability is limited to the greatest extent permitted by such legislation.

ARTICLE 19: LIMITATION OF LIABILITY

19.1 Liability Cap

To the maximum extent permitted by law, the total liability of Love Savings Group Limited, its affiliates, officers, directors, employees, and agents for any claim arising from or related to the Platform or these Terms shall not exceed the lesser of:

One hundred Canadian dollars (CAD $100.00); or
The amount of Payable Balance in your Account at the time of the claim.

19.2 Excluded Damages

To the maximum extent permitted by law, in no event shall we be liable for:

Indirect, incidental, consequential, special, or exemplary damages;
Lost profits, revenue, or business opportunities;
Loss of data or goodwill;
Cost of substitute services;
Rewards not tracked, declined, or reversed due to merchant decisions;

Even if advised of the possibility of such damages.

19.3 Basis of the Bargain

You acknowledge that we have set our prices and entered into these Terms in reliance upon the disclaimers and limitations of liability set forth herein, and that they form an essential basis of the bargain between the parties.

19.4 Provincial Limitations

Certain provincial consumer protection laws may not permit limitation of liability for certain types of damages or losses. Where such laws apply, the limitations in this Article 19 shall apply only to the extent permitted by applicable law, and our liability shall be limited to the greatest extent permitted by such law.

19.5 Quebec Specific Provisions

For Quebec residents, nothing in these Terms excludes or limits our liability for intentional or gross fault (faute lourde), bodily injury, or death as provided under the Civil Code of Quebec.

ARTICLE 20: INDEMNIFICATION

20.1 Indemnification Obligation

To the extent permitted by applicable law, you agree to indemnify, defend, and hold harmless Love Savings Group Limited, its parent companies, subsidiaries, affiliates, officers, directors, employees, agents, and licensors from and against any and all claims, liabilities, damages, losses, costs, expenses, or fees (including reasonable legal fees) arising from:

Your use or misuse of the Platform;
Your breach of these Terms or applicable law;
Your violation of any third-party right, including intellectual property or privacy rights;
Your fraudulent or illegal conduct;
Any transaction with a merchant accessed through the Platform;
Content you submit or transmit through the Platform.

20.2 Exclusive Control

We reserve the right to assume exclusive defense and control of any matter subject to indemnification by you. You agree to cooperate with our defense of such claims.

20.3 Provincial Limitations

This indemnification obligation is subject to applicable consumer protection laws and shall not apply where prohibited by provincial legislation.

ARTICLE 21: COMPLIANCE AND ANTI-MONEY LAUNDERING

21.1 Anti-Money Laundering and Terrorist Financing

We comply with the Proceeds of Crime (Money Laundering) and Terrorist Financing Act (PCMLTFA) and regulations thereunder. We reserve the right to:

Request identity verification documents;
Report suspicious transactions to the Financial Transactions and Reports Analysis Centre of Canada (FINTRAC);
Freeze or terminate Accounts suspected of money laundering or terrorist financing;
Delay or refuse transactions that raise compliance concerns.

21.2 Economic Sanctions Compliance

You represent and warrant that you are not:

Subject to economic sanctions under the Special Economic Measures Act, United Nations Act, or Justice for Victims of Corrupt Foreign Officials Act;
Identified on any Canadian government list of prohibited or restricted parties;
Located in a country or region subject to comprehensive Canadian sanctions;
Owned or controlled by such a person or entity.

We may immediately terminate Accounts that violate sanctions laws.

21.3 Cooperation

You agree to cooperate with any compliance investigation and provide requested documentation within specified timeframes.

21.4 Record Keeping

We maintain records of transactions in accordance with PCMLTFA requirements and may retain such records for the periods mandated by law.

ARTICLE 22: DISPUTE RESOLUTION

22.1 Informal Resolution

Before initiating arbitration or litigation, you agree to contact us to attempt informal resolution. Provide a written description of the dispute and your proposed resolution to www.lovecashback.ca/support/contact. We will respond within thirty (30) days. If the dispute cannot be resolved informally, either party may proceed as outlined below.

22.2 Applicable Dispute Resolution

The dispute resolution mechanism varies by Province:

22.3 Quebec Residents

For Quebec residents, Article 3149 of the Civil Code of Quebec permits parties to agree to refer disputes to arbitration. Any dispute shall be resolved through arbitration administered by the ADR Institute of Canada, Quebec Chapter, in accordance with its arbitration rules. The arbitration shall take place in Montreal, Quebec (or remotely by video conference), be conducted in the language of your choice (English or French), and be governed by Quebec law. However, you retain the right to bring a claim before the Small Claims Division of the Court of Quebec if the claim qualifies and remains within that court's monetary jurisdiction.

22.4 Other Provinces

For residents of Provinces other than Quebec, any dispute shall be resolved through arbitration administered by the ADR Institute of Canada in accordance with its arbitration rules. The arbitration shall take place in your Province of residence (or remotely by video conference), be conducted by a single neutral arbitrator, and be governed by the laws of your Province of residence. You retain the right to bring a claim in small claims court if the claim qualifies.

22.5 Class Action Waiver

Subject to applicable provincial law, you and Love Savings Group Limited agree that each may bring claims against the other only in an individual capacity and not as a class member or representative in any purported class, collective, or representative proceeding.

22.6 Consumer Protection Override

Notwithstanding the arbitration provisions above, nothing in these Terms restricts your rights under mandatory provincial consumer protection legislation to bring an action in the courts of your Province. If any portion of this Article 22 is found to contravene mandatory consumer protection law, that portion shall be severed and the dispute shall be resolved in accordance with applicable law.

22.7 Opt-Out Right

You may opt out of the arbitration agreement by sending written notice to www.lovecashback.ca/support/contact within thirty (30) days of first accepting these Terms. Your opt-out notice must include your name, address, and a clear statement that you wish to opt out of the arbitration agreement. If you opt out, all other Terms remain enforceable.

22.8 British Columbia and Alberta Arbitration Acts

For residents of British Columbia and Alberta, arbitration is conducted pursuant to the Arbitration Act of the respective Province.

ARTICLE 23: GOVERNING LAW AND JURISDICTION

23.1 Governing Law

These Terms shall be governed by and construed in accordance with the laws of the Province in which you reside and the federal laws of Canada applicable therein, without regard to conflict of law principles.

23.2 Quebec Specific Provisions

For Quebec residents, these Terms are governed by the laws of the Province of Quebec and the federal laws of Canada applicable therein. The Civil Code of Quebec applies to the interpretation and enforcement of these Terms.

23.3 Jurisdiction

To the extent court proceedings are permitted or required (e.g., due to opt-out, injunctive relief, small claims, or consumer protection override), you agree that such proceedings shall be brought in the courts of your Province of residence, and you consent to the jurisdiction and venue of such courts.

23.4 Federal Matters

For matters involving federal law (including intellectual property, competition law, or telecommunications), the Federal Court of Canada shall have jurisdiction.

ARTICLE 24: MISCELLANEOUS PROVISIONS

24.1 Entire Agreement

These Terms, together with the Privacy Policy, Cookie Policy, and any Special Terms, constitute the entire agreement between you and Love Savings Group Limited regarding the Platform and supersede all prior or contemporaneous understandings and agreements.

24.2 Severability

If any provision of these Terms is held to be invalid, illegal, or unenforceable under applicable law, such provision shall be modified to the minimum extent necessary to make it valid and enforceable, or if such modification is not possible, the provision shall be severed. The remaining provisions shall remain in full force and effect.

24.3 Waiver

Our failure to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision. Any waiver must be in writing and signed by our authorized representative.

24.4 Assignment

You may not assign or transfer these Terms or your Account without our prior written consent. We may assign these Terms or any rights hereunder without restriction, provided that any assignment does not diminish your rights under applicable consumer protection legislation. Any attempted assignment in violation of this section is void.

24.5 Force Majeure

We shall not be liable for any delay or failure to perform resulting from causes beyond our reasonable control, including but not limited to acts of God, war, terrorism, pandemics, labour disputes, government action, internet failures, or merchant or Affiliate Network system outages.

24.6 Relationship of Parties

These Terms do not create any agency, partnership, joint venture, employment, or franchise relationship between you and Love Savings Group Limited.

24.7 Notices

All notices to you will be provided via email to the address on file, through in-platform notification, or by posting to the Platform. Notices to us must be sent to:

Love Savings Group Limited
Attn: Legal Department
124 City Road
London, EC1V 2NX
United Kingdom
Email: [email protected]

Notices are deemed received when sent via email, when posted to the Platform, or five (5) business days after mailing by registered mail.

24.8 Survival

The following provisions survive termination or expiration of these Terms: Articles 1 (Definitions), 10 (Adjustments and Reversals), 12 (Unclaimed Property), 14 (Intellectual Property), 16 (Prohibited Conduct), 18 (Disclaimers), 19 (Limitation of Liability), 20 (Indemnification), 22 (Dispute Resolution), 23 (Governing Law), and 24 (Miscellaneous Provisions).

24.9 Headings

Section and article headings are for convenience only and shall not affect the interpretation of these Terms.

24.10 Language

These Terms are drafted in English and French. Les présentes modalités sont rédigées en anglais et en français. In the event of any discrepancy between the English and French versions, the version in the language in which you accepted these Terms shall govern. En cas de divergence entre les versions anglaise et française, la version dans la langue dans laquelle vous avez accepté les présentes modalités prévaut.

24.11 Electronic Signatures

Your electronic acceptance of these Terms constitutes your signature and agreement to be bound as if you had signed these Terms in writing. This agreement complies with federal and provincial electronic commerce legislation.

24.12 Quebec Consumer Protection

For Quebec residents, nothing in these Terms is intended to exclude, limit, or modify any non-excludable rights under the Consumer Protection Act (Quebec). Where provisions of these Terms conflict with mandatory provisions of the Consumer Protection Act, the Consumer Protection Act prevails.

ARTICLE 25: CONTACT INFORMATION

25.1 Customer Support

For questions, concerns, or assistance regarding your Account or these Terms, please contact:

Love Cashback Customer Support
Website: www.lovecashback.ca/support
Email: [email protected]

Support is available in English and French. / Le soutien est disponible en anglais et en français.

25.2 Legal and Compliance Inquiries

For legal notices, data protection requests, or compliance matters:

Love Savings Group Limited
Legal Department
124 City Road
London, EC1V 2NX
United Kingdom
Email: [email protected]

25.3 Privacy and Access Requests

To exercise your rights under PIPEDA or provincial privacy legislation, including rights of access, correction, or withdrawal of consent, contact us using the information above.

ARTICLE 26: QUICK REFERENCE SUMMARY

This summary is provided for convenience only and is not legally binding. The complete Terms above govern your use of the Platform.

How Love Cashback Works

We earn commissions when you shop through our merchant links
We share a portion of that commission with you as cashback rewards
Tracking relies on cookies and affiliate technology
Rewards must be validated by merchants before becoming payable

Key Requirements

Must be age of majority in your Province (18 or 19) and a Canadian resident
Only one account per person
Must click through our links immediately before purchase
Cannot use ad blockers, VPNs, or other tracking interference
Must comply with merchant terms and any special offer conditions

Payment Terms

Minimum withdrawal: CAD $20.00
Payment methods: PayPal, Interac e-Transfer, bank transfer, gift cards, charity
Processing time: typically 7-14 business days
Identity verification may be required
Cashback may be taxable income - consult a tax professional

Account Closure

Must withdraw payable balance ≥ $20 before closure
Balances below $20 may be forfeited (subject to provincial law)
Pending rewards are cancelled
Closure is permanent and irreversible

Important Limitations

We don't guarantee transactions will be tracked or paid
Merchants control whether rewards are approved
We can reverse rewards for returns, errors, or merchant clawbacks
Service provided "as is" with limited warranties
Our liability is limited to $100 or your payable balance, whichever is less (subject to consumer protection laws)

Dispute Resolution

Disputes resolved through arbitration (subject to provincial consumer protection laws)
Quebec residents: arbitration in Montreal, your choice of English or French
Other provinces: arbitration in your province
30-day opt-out period available
Consumer protection rights cannot be waived

Your Privacy Rights

We comply with PIPEDA and provincial privacy laws
You have rights to access and correct your personal information
Communications comply with CASL (Canada's Anti-Spam Legislation)

BY USING THE LOVE CASHBACK PLATFORM, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS OF USE.

EN UTILISANT LA PLATEFORME LOVE CASHBACK, VOUS RECONNAISSEZ AVOIR LU, COMPRIS ET ACCEPTÉ D'ÊTRE LIÉ PAR LES PRÉSENTES CONDITIONS D'UTILISATION.