Cashback Policy Terms

Effective Date: 7/19/2025

1. Overview

Allpree offers a cashback reward on select voucher purchases as part of our loyalty program. By purchasing a voucher through Allpree, you agree to the terms below governing eligibility, timing, and payout of cashback.

2. Voucher Purchase & Markup

• Allpree vouchers are sold at a 25% markup.
• Example: A J$20,000 voucher is sold for J$25,000.
• The entire face value (J$20,000) is immediately loaded onto your Allpree Gift Card for use in-store.
• The markup funds the cashback system and is non-refundable.

3. Cashback Eligibility

Cashback is earned when you:

• Use your Allpree Gift Card to make at least one in-store purchase at a participating merchant.
• This purchase must occur within 121 days of the voucher purchase.

4. Cashback Amount

Cashback percentages vary based on your membership tier:

Tier	J$10K Voucher	J$15K Voucher	J$20K Voucher
Free	30%	30%	30%
Standard	33%	34%	36%
Premium	37%	41%	49%

Cashback is always calculated based on the voucher’s face value, not the total paid.

5. Cashback Payout Timing

• After you make your qualifying in-store purchase, a 121-day countdown begins.
• Cashback is paid via bank transfer at the end of the calendar month following that period.

Example:

• Voucher bought: Jan 1
• In-store use: Jan 10
• 121 days ends: May 10
• Cashback paid: By end of May

6. Non-Transferable

Cashback rewards are non-transferable and only redeemable by the original purchaser. They cannot be exchanged, sold, or converted to other forms of credit.

7. Inactive Accounts

If no in-store purchase is made within 121 days, the cashback will not be earned. No partial cashback is given for unused vouchers or missed eligibility.

8. Fraud & Abuse

Allpree reserves the right to cancel cashback rewards if fraud, abuse, or misuse is suspected.

9. Policy Updates

These terms may change periodically. The terms that apply are those in effect on the date of voucher purchase.

Terms of Service

Effective Date: 6/8/2025

1. Eligibility

You must be at least 18 years old and legally able to enter into contracts in your jurisdiction to use our services.

2. Gift Card Vouchers

• Gift card vouchers are sold at a 25% markup and are redeemable only at participating physical retail stores through our partner's gift card system.
• All sales are final. Vouchers are non-refundable and non-transferable.
• Cashback eligibility depends on your membership status and purchase activity.

3. Cashback Rewards

• Cashback is issued 121 days after purchase, if a qualifying transaction is made using the gift card.
• Cashback is funded from our company’s income, not customer funds
• Free members receive 30%. Paid members receive up to 49%, depending on the gift card value.
• Cashback is paid via bank transfer to verified Jamaican bank accounts only.

4. Membership

• Membership is optional and costs J$8,400 per year
• Members receive higher cashback rates and access to additional benefits.
• Membership does not auto-renew.

5. User Responsibilities

• Provide accurate and current information.
• Keep login credentials secure.
• Do not engage in fraudulent or abusive behavior.

6. Store Listings and Offers

• Stores listed in our app accept the partner’s digital gift cards.
• We do not control store policies, inventory, or pricing.
• Listings and offers may change without notice.

7. No Investment or Securities Offering

This is not an investment product. Cashback is a loyalty reward funded from the company's income, not a financial return or interest.

8. Changes to Services

We may modify features, cashback rates, or Terms at any time. Your continued use of the service means you accept these changes.

9. Termination

We reserve the right to suspend or terminate accounts for fraud, abuse, or violations of these Terms.

10. Limitation of Liability

We are not liable for indirect or consequential damages. Our maximum liability is limited to the amount paid for the affected service.

11. Governing Law

These Terms are governed by the laws of Jamaica.

12. Contact

For support: allpreesuport @ gmail . com

Privacy Policy

Effective Date: 6/8/2025

1. Information We Collect

• Name, email, phone, birth year
• Device ID and app usage
• Bank account details (for cashback)
• Gift card purchase history

2. How We Use It

• Process orders and send cashback
• Display store offers
• Detect fraud and improve service

3. Data Sharing

• We do not sell your data.
• We may share data with banks, vendors, or regulators as required to provide services.

4. Your Rights

• You may request access to or deletion of your personal data.
• You can opt out of marketing or disable location tracking in your device settings.

5. Data Security

We use encryption and secure servers, but no system is 100% secure.

6. Cookies & Tracking

Cookies may be used to enhance your experience and analyze app usage.

7. Data Storage

Your data may be stored or processed outside your country with appropriate protections.

8. Contact

For privacy questions: allpreesuport @ gmail . com

Legal Disclaimer

No Financial Advice

We do not provide financial, tax, or investment advice. Cashback is a loyalty reward, not a financial return.

No Profit Guarantee

Cashback amounts may vary depending on business performance. They are not guaranteed.

Third-Party Merchants

We are not responsible for store inventory, pricing, or refund policies.

Regulatory Compliance

We comply with Jamaican law. Users are responsible for understanding and complying with their local laws and regulations.

Legal Positioning: Regulatory Compliance

This document outlines Allpree’s legal and financial structure to ensure alignment with regulatory frameworks and consumer protection standards.

1. Nature of the Business

Allpree operates a voucher-based digital gift card platform in partnership with GiftMe. Users purchase preset-value gift cards with a built-in markup.

• The full amount paid includes both the voucher face value (e.g., J$20,000) and a fixed markup (e.g., 25%).
• The face value is instantly loaded and redeemable at participating merchants via GiftMe’s infrastructure.
• The markup is recognized as company income upon sale.

2. Cashback Program Overview

Cashback is offered as a promotional loyalty incentive:

• Earned as a percentage of voucher value based on user membership tier.
• Activated by any in-store purchase using the Allpree card.
• Paid after a fixed 121-day waiting period, at month end.
• Treated as a marketing rebate, not as stored value, deposits, or redeemable balances.

3. User Funds & Financial Handling

• Allpree does not hold funds on behalf of users.
• Voucher face values are managed by GiftMe, a licensed third-party gift card issuer.
• The markup is company revenue, a portion of which is earmarked to fund promotional cashback payouts.
• Cashback is recorded as a deferred liability in the company’s accounting system.

4. Cashback Reserve: Structure & Safeguards

The Cashback Reserve is an internal accounting provision used exclusively to fulfill cashback obligations promised at voucher purchase.

• It is not a user fund, wallet, or pooled account, but a company managed reserve.
• Cashback is calculated solely as a rebate from the company’s markup and disbursed only after a 121-day eligibility period, per defined terms.
• No user deposits are accepted into the system.
• No interest, returns, or ROI are promised or implied to users.
• Cashback is earned through participation in a closed promotional loyalty system, not as a return on invested capital.
• The reserve is regularly audited and matched by internal capital allocations to ensure all liabilities are covered, enabling Allpree to meet user entitlements without relying on future revenues or external funds.

5. Cashback Fund: Internal Float Management

Allpree allocates a portion of company-held capital, including markup revenue and brand sponsorship income, into an internal liquidity pool known as the Cashback Fund.

• This fund supports the sustainability of cashback payouts during the 121-day holding period.
• It operates under strict internal controls, with capped risk exposure and no user funds invested.
• A significant share of any profits generated is recycled back into the Cashback Reserve to reinforce payout capacity.
• The Cashback Fund is strictly an operational tool, it does not create an investment relationship with users and is not accessible to them.

6. Deals & Brand Sponsorships

Brands generate revenue for Allpree by purchasing exposure through:

• Subscription-based promotional plans.
• Short term featured deal placements.
• Performance-based affiliate fees tied to voucher redemption and usage.

Portions of these revenues contribute to the internal Cashback Fund and Cashback Reserve, further supporting user cashback obligations and system sustainability.

7. Compliance & Licensing

• The platform is not a money transmitter or e-wallet.
• Allpree holds no user funds beyond its promotional obligations.
• Cashback qualifies as a discretionary loyalty reward, not a redeemable asset.
• Terms of Service explicitly define the nature and limits of the cashback program.

8. Risk Management & Consumer Protections

• Cashback terms (activation, timing, expiry) are transparent and user-facing.
• No early access or transfer of cashback, reducing exposure.
• The Cashback Reserve is tracked and managed separately within company accounts to ensure delivery of all promised rewards.

9. Tax Treatment

• Markup and membership fees are treated as revenue.
• Cashback is recorded as a marketing expense or deferred liability.
• Returns from internal float management are recognized as company income.

Summary

Allpree’s Cashback Reserve model is structured as a consumer loyalty program, not a financial service. This approach ensures regulatory clarity and enables Allpree to operate compliantly while delivering value to both users and partner brands.