Terms of Service v3.1 ("Terms")- Last updated 19/04/2020
Hello! Welcome to REVO ("site", "website")
Please read these Terms of Service ("agreement", "terms", "term of service") carefully and thoroughly before using www.revo.cards as this agreement is a legal binding between you ("you", "your") and REVO, highlighting your rights and obligation with respect to REVO and/or its affiliates and subsidiaries ("REVO", "us", "we", or "our"). The sites and services mentioned in this agreement includes all websites and applications that are operated by REVO.
Your access to and use of the Service is conditioned on your acceptance of and compliance with these Terms. These Terms apply to all visitors, users and others who access or use the Service.
By accessing or using the Service, you agree to be bound by these Terms. If you disagree with any part of the terms then you may not access the Service.
Periodical Changes to Our Terms of Service
We may, without prior notice and/or liability to you, discontinue or modify these Terms of Service by adding or removing features and/or functionalities that might affect your usage of REVO.
REVO may also modify this Terms of Service from time to time. Any and all changes to this Terms of Service will be posted on www.revo.cards/app/tos The Terms of Service will always indicate the date it was last updated. When you use REVO after those dates, you are deemed to have accepted the changes and agree to be bound by the new Terms of Service.
Additional Terms of Service
With regards to your access and use of REVO, we may subject you to additional terms, rules, policies and conditions which could be added into the Terms of Service in the future.
Description of Services
REVO is a FREE to use cash back service that gives you EXTRA cash back for the things you already love doing, like shopping and dining out. REVO links your Mastercard and Visa credit/prepaid card(s) with cash back offers and rewards from participating brands and retail partners.
The main purpose of REVO is to help you get cash savings when you use your credit/prepaid card to shop with your favourite brands.
In the near future, you can also get cash back on REVO through contests and surveys.
REVO is currently free to use but we reserve the right to charge fees for the Services in the future. You will be notified electronically via email, website and/or mobile app posting before charging you any fees. Your continued use of REVO will then be subjected to your agreement in paying said fee. If you disagree then you may not access the services provided by REVO.
Do note that when you withdraw your cash back, there is a fee charged when it doesn’t meet the minimum free withdrawal amount. Please check Redeeming your Cash back below for further details.
REVO Usage Requirements
To access and use REVO, you
- Must be 18 years or older
- Must sign-up for a user account with REVO and keep your account in good standing with REVO and all relevant parties
- Must provide us with all required information, such as your phone number, email address, and bank account account information which is correct, accurate, current and complete
Linking and the Use of your Banking Card(s)
In order to get your cash back from REVO for any of your transactions, you must link at least one eligible credit/prepaid card to your REVO User Account.
Please note that not all credit/prepaid card(s) are eligible to be linked to your REVO User Account. Certain cards are not eligible to be linked to your REVO Account, including, but not limited to:
- Foreign-issued credit cards
- Corporate credit cards
- Debit cards
- Payments not processed through the Mastercard payment system
- Payments not processed through the Visa payment system
Note that you may not be able to link your credit/prepaid card(s) to a REVO Account if it has already been previously linked to an existing REVO account.
By registering a credit/prepaid card in connection with transaction monitoring, you authorise REVO to share your payment information, including name and email address with merchants you spend with that enable us to provide the Services and your Payment Card Network (Mastercard, Visa) so they know you are enrolled. You authorise the Payment Card Network to monitor your linked Credit/Prepaid Card(s) to identify qualifying transactions in order to determine whether you have qualified for or earned an offer linked to your Credit/Prepaid Card, and for the Payment Card Network to share such transaction details with us to enable your card-linked offer(s). You agree that REVO and merchants you have spent with may view your transactions made by you with participating merchants.
Your Privacy and Personal Information
Getting your Cash back
Subject to our Terms of Service, the Payment Card Network (MasterCard, Visa) and depending on the participating brands and/or retail partners' Terms & Conditions, cash back will usually take around 90 days to be credited into your REVO account but in some cases, it might take longer for you to receive your cash back. Please refer to the details of each cash back offer before making your purchase.
REVO and the participating brands and retail partners establish the terms and conditions for each qualifying transaction or action and determine whether you have satisfied such terms and conditions to receive cash back. Such terms and conditions are set forth on the Website and the Application and may be updated, modified, suspended, or cancelled by REVO, the Payment Card Network (MasterCard, Visa) and the participating brands and retail partners at any time in its sole discretion.
Upon a successful transaction, the cash back will be marked as pending in your REVO Account and the cash back will be debited back to you within 90 working days, pending approval. In some cases, it may take longer for you to receive the cash back. Within the context of these Terms, “working days” means Monday to Friday, excluding public holidays.
Not all qualifying transactions made with your credit/prepaid card may be eligible for cash back if we are unable to obtain certain transaction information from the Payment Card Network associated with your Payment Card.
You are responsible for making sure that the cash back balance in your account is correct. Please contact us at email@example.com if you find that you balance is not reflecting a correct amount that you should receive.
Redeeming your Cash back
Subject to our Terms of Service and approval, you may request to withdraw the cash back from your Account. Prior to this action, you must:
- Have a minimum balance of RM10 in your REVO account (RM1 will be deducted as a processing fee, giving you a final cash out amount of RM9)
- Linked a valid bank account.
- Have made a qualifying purchase on at least 1 REVO cash back offer through your linked Mastercard or Visa credit/prepaid card(s) at a physical or online store.
Certain limits may apply to your withdrawal request, unless otherwise permitted by REVO. You may only withdraw up to RM1,000 per day.
Upon successful cash out, the cash back will take between 7 – 14 days to appear in your validated bank account. You are solely responsible for all withdrawals performed from your REVO Account. Please notify us of any errors within 14 days, failing which you will forfeit the right to contest a transaction.
Deductions and/or top-ups of your Cash Back
REVO reserves the right and may, at our sole discretion, deduct or top-up the balance in your REVO account, at any time for any reason, without notice or liability to you. This includes, but not limited to, if cash back has been incorrectly credited to you and/or if we suspect that your use of our services has been suspicious, fraudulent or unauthorised, and has violated our Terms of Service or any applicable laws.
If you return, cancel or request a refund for a purchase which you have already received cash back, we will reduce the balance of the cashback in your Account by the amount of cash back that you received for that transaction. If the balance of cash back in your Account is less than the amount of cash back you received for the return, cancellation or request for a refund, we will offset that amount of cash back from future qualifying transactions.
Additional Terms of Service, Representations, and Requirements
You may only access and use REVO for your own personal, non-commercial use and not on behalf of or for the benefit of any third party.
By accessing or using REVO, you agree not to seek to redeem or otherwise claim cash back from any third party, including, but not limited to, the Payment Card Networks, our participating merchants or other clients or business partner.
You further acknowledge and agree that:
- REVO may impose limits, terms and conditions on the getting and redemption of cash back, including but limited to the amount of cash back that you can receive, redeem and may also adjust the balance of cash back in your account
- REVO and the Payment Card Networks are not financial institutions and as such do not provide banking or payment processing services
- REVO is not a party to your Payment Card transactions
- REVO is not responsible and thus has no liability for any products or services that are paid for with your Payment card. You must resolve all disputes related to any products or services that are paid for with your Payment Card directly with the applicable merchant and/or the financial institution that issued your Payment Card.
- You will not use REVO to engage in any illegal, fraudulent, or other illicit activity.
- You will not access or use any part of REVO for any commercial purpose.
- You will not modify, utilise any device, software, or routine that will interfere or attempt to interfere with the functionality of the Services or in any way tamper with REVO.
- You will not access or use the Services in a way that may infringe upon the intellectual property or other rights of any third party, including, without limitation, trademark, copyright, privacy, or publicity rights.
- You will not interfere with or disrupt networks connected to the Services or violate the regulations, policies, or procedures of such networks.
- You will not use any robot, spider, scraper, or other automatic or manual device, process, or means to access or copy REVO and its Services.
- In order to redeem your cash back through REVO, you must provide such other information and documents as requested by us to verify your identity and compliance with these Terms of Service.
- For our compliance purposes and in order to provide the Services to you, you hereby authorise REVO to, directly or through a third party, obtain, verify, and record information and documentation for purposes of verifying your identity and your Payment Card and Redemption Account information.
REVO Ownership and Proprietary Rights
All rights, title, and interest in and to REVO, including any updates, upgrades, and modifications thereto, and any associated patents, trademarks, copyrights, trade secrets, and other intellectual property rights, belong solely and exclusively to REVO and its licensors, and, except as expressly set forth in these Terms, we do not grant you any licenses or other rights, express or implied, to the Services.
REVO is protected by applicable copyright, trademark, and other intellectual property laws. All brand, captions, logos displayed in connection with REVO are trademarks of REVO and/or their respective proprietors. The display of a third-party trademark in connection with the Services does not mean that we have any relationship with that third party or that such third party endorses the Services or the Company.
Subject to these Terms of Service, you are hereby granted a limited, revocable, personal, non-exclusive, non-transferable right and license to access and use REVO. Except as expressly provided by these Terms or as otherwise expressly permitted by us, you may not use, modify, disassemble, decompile, reverse engineer, reproduce, distribute, rent, sell, license, publish, display, download, transmit, or otherwise exploit the Services in any form by any means.
We may, but are not obligated to, monitor your use of the Services.
REVO take claims of copyright infringement seriously. REVO will respond to notices of alleged copyright infringement that comply with applicable law. If you believe any materials accessible on or from the Website or the Application infringe your copyright, you may request removal of those materials (or access to them) from the Website and the Application.
Brands and Retail Partners’ Policies
Products and services offered on REVO are provided to you on an “as is” basis and are regulated by and subjected to our brands and retail partners' policies, terms and conditions. These clauses include, and are not limited to their products, services, contents, changes, liabilities, obligations, disputes, returns, cancelations, refunds, exchanges and delivery policies. REVO shall not be held responsible and shall not be liable for any content, product and/or services on our brands and retail partners' platforms. Your participation in the offers of, or correspondences with, any of our brands and retail partners is solely between you and them. REVO is not the operator of our brands and retail partners, and we do not assume the responsibility and liability, including but not limited to the clauses above.
Third-Party Content, Services and Links to Other Websites
The third-party information presented on REVO is made available solely for general information purposes. While every effort is taken to ensure the information is accurate, we do not warrant the accuracy, completeness, or usefulness of this information. REVO disclaims all liabilities and responsibilities arising from any reliance placed on such materials by you or any other user of the Services. The Services may include content provided by third parties, including content provided by other users of the Services. REVO is not responsible, or liable to you or any third party, for the content provided by any third party.
Our Service may contain links to third-party web sites or services that are not owned or controlled by REVO.
REVO has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third party web sites or services. You further acknowledge and agree that REVO shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, goods or services available on or through any such web sites or services.
REVO may also facilitate your purchase of third-party products and services. We do not control, and are not responsible for or any other third-party products, services, websites, or applications (collectively, "Third-Party Services") or the Third-Party Suppliers or any other providers or sellers of Third-Party Services.
Suspension and Termination
We may terminate or suspend your access to our Service immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the Terms.
You may stop using REVO and terminate your Account at any time by emailing us at firstname.lastname@example.org Termination of your Account and your access to and use of the Services will not affect any of our rights or your obligations arising under these Terms prior to such termination.
All provisions of these Terms of Service, by their nature, shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity and limitations of liability.
You agree to indemnify, hold harmless, and (at our request) defend us, our affiliates, and our and their respective employees, officers, directors, and agents, as well as the Payment Card Networks, from and against all claims, demands, suits, damages, costs, lawsuits, fines, penalties, liabilities, and expenses, including reasonable attorneys’ fees, that arise from any third-party claim due to or arising out of:
- Your use of the Services
- Your breach or alleged breach of these Terms
- Your violation of applicable law, including, but not limited to, infringement of third-party intellectual property rights
- Your other actions or omissions that result in liability to us.
We reserve the right, at your expense, to assume the exclusive defense and control of any matter for which you are required to indemnify us under these Terms, and you agree to cooperate with our defense of these claims.
To the fullest extent permitted by applicable law, you expressly understand and agree that your access to and use of the services and all information, products, and other content (including that of third parties) included in or accessible through the services are at your own risk.
To the fullest extent permitted by applicable law, the services are provided on an “as is” and “as available” basis without any warranties of any kind, and we and the payment card networks expressly disclaim any and all conditions, representations, warranties, express or implied, statutory, or otherwise, including, without limitation, any implied warranty of title, merchantability, fitness for a particular purpose, and non-infringement.Without limiting the foregoing, we and the payment card networks make no warranty that
- The services will meet your requirements.
- The services will be uninterrupted, timely, secure, or error-free.
- The results that may be obtained from the use of the services will be accurate or reliable.
- The quality of any products, services, information, or other material purchased or obtained by you through the services will meet your expectations.
- Any errors in the services will be corrected. No oral or written information or advice given by us or any of our authorized representatives will create any warranty.
Some jurisdictions do not allow the exclusion of or limitations of implied warranties, so the above exclusions and limitations may not apply to you. However, any limitation will be construed to the maximum extent permitted under applicable law.
Limitation of Liability
To the fullest extent permitted by applicable law, we, our affiliates, the payment card networks, their and our respective employees, officers, directors, and agents will not be liable for damages of any kind, under any legal theory, arising out of or in connection with your access to or use of the services or any information, products, or other content (including that of third parties) included in or accessible through the services, including, but not limited to, any direct, indirect, special, incidental, consequential, exemplary, or punitive damages of any kind, including, but not limited to, personal injury, pain and suffering, emotional distress, loss of revenue, loss of profits, loss of business or anticipated savings, loss of use, loss of goodwill, loss of data, and whether caused by tort (including negligence), breach of contract, or otherwise, even if foreseeable.
Without limiting the foregoing and to the fullest extent permitted by applicable law, in the event you or any other person or entity is entitled to direct damages arising out of or in connection with your access, use, or inability to access or use, the services or any information, products, or other content (including that of third parties) included in or accessible through the services, the collective liability of the company, our affiliates, the payment card networks, and our and their respective employees, officers, directors, and agents, (regardless of the form of action, whether in contract, tort, or otherwise) will not exceed an amount stipulated by us.
In addition to and without limiting any of the foregoing, we and the payment card networks will have no liability for any failure or delay resulting from any condition beyond our reasonable control, including, without limitation, acts of god, acts of terrorism, labor conditions, power failures, internet disturbances, or any services or systems controlled by third parties.
The limitations in this section does not affect any liability that cannot be excluded or limited under applicable law.
We will send all notices and other communications regarding REVO to you at the email address you provided for your Account, as may be updated by you from time to time. You will be considered to have received a notice from us regarding the Services when we send it to the email address we have in our records for you or when we post such notice on the Website or the Application.
Except as otherwise provided in these Terms, all notices to us that are intended to have a legal effect must be delivered via email to email@example.com
All such notices are deemed effective upon documented receipt by us.
Changes to These Terms of Service
These Terms of Service is effective as of 21/08/2019 and will remain in effect except with respect to any changes in its provisions in the future, which will be in effect immediately after being posted on this page.
We reserve the right to update or change our Terms of Service at any time and you should check this Terms of Service periodically. Your continued use of the Service after we post any modifications to the Terms of Service on this page will constitute your acknowledgment of the modifications and your consent to abide and be bound by the modified Terms of Service.
If we make any material changes to this Terms of Service, we will notify you either through the email address you have provided us, or by placing a prominent notice on our website.
If you have any questions about this Terms of Service, please contact us at firstname.lastname@example.org