To use our Rewards Service, we will redirect you to your Bank or Credit Card provider who will enable you to securely and safely connect your Bank Account(s) and credit card accounts (or “Accounts”) respectively to your Shuffle Account. You can complete this process when you create your Shuffle Account or afterwards.

You will be asked to provide your explicit consent to enable Shuffle to access your transactions on a read-only basis via the Account Information Service Provider.  You will then be taken to the Account Information Service Provider, to provide your explicit consent for them to securely access your Accounts. Account Information Service Provider will redirect you to your Bank or Credit Card provider, where you will be required to select your accounts and authenticate the connection in order for them to share the Account(s) Information with us. We will ask you to renew your consent with us and the Account Information Service Provider every 90 days. Your Bank or Credit Card provider may also require you to periodically authenticate the connection. Without your consent or re-authentication, Shuffle will be unable to continue providing the Rewards Service. Your consent is required in respect of each Account you wish to earn rewards with.

You may withdraw your consent to access your Account(s) at any time. If you do withdraw (or fail to renew) your consent for one or more Account(s), Shuffle will no longer be able to offer and track rewards such as eligible Cashback for the relevant account. This means we will no longer be able to provide parts of our Rewards Service.

By providing your consent and in acceptance of these Terms, you:

1. grant Shuffle a royalty-free licence to use the information in your Account(s) for all purposes connected with Shuffle or referred to in these Terms or the Privacy Policy;

2. grant Shuffle the right to use, modify, display, distribute and create new material using or incorporating such information to provide the Shuffle Service to you;

3. agree that when we retrieve information relating to your Account(s) we are doing so as your representative and, on your behalf, and not on behalf of or in the name of any third party;

4. agree that we will be entitled to disclose your identity and information relating to your Account(s) to third parties if we are required to do so by any applicable law or court order.

Shuffle may also use, license, reproduce, sell, distribute and disclose aggregate, non-personally identifiable information that is derived through your use of Shuffle.

By using Shuffle, you represent that you are the legal owner of the data in your Account(s) and that you have the authority to appoint, and do expressly appoint, Shuffle as your agent and grant a limited power of attorney to access and retrieve such data on your behalf.

We rely on you and your Bank Account(s) providers to ensure that the Account(s) information and personal information you provide to us is up to date and accurate.

By submitting information, you agree (without the payment of any fees), that Shuffle may use the information for the purposes set out above.

Only you are permitted to use content delivered to you by Shuffle. You may not copy, reproduce, distribute, or create derivative works from this content. Further, you agree not to reverse engineer or reverse compile any of the technology associated with Shuffle, its website or any other provisioned technology.

All transactions you make are directly with the retailer, not with Shuffle. When you make a purchase with a retailer and subject to you giving consent in accordance with Clause 4.2, Shuffle can track and identify through the transaction data shared by your Bank and/or Credit Card provider that a purchase has been made and certain other elements relating to the purchase such as which Bank Account was used in connection with that purchase, where it was made and the amount spent. Once we have identified the purchase, Shuffle will assess whether it is eligible for treatment as a Qualifying Purchase in respect of which a Cashback reward can be earned.  

You agree that Shuffle’s decision as to whether a purchase is a Qualifying Purchase is our decision alone and entirely in Shuffle’s discretion and we will not be liable to you for any failure in identifying a purchase as a Qualifying Purchase and/or the amount of a Cashback reward.
Cashback can only automatically be earned if the following Eligibility Criteria are met:

1. A genuine purchase is being made. Repeat purchases may not qualify for Cashback rewards and you must purchase for genuine reasons. By making a transaction with a retailer, you acknowledge that it is at Shuffle's and/or the retailer’s entire discretion to determine whether a transaction is genuine and you acknowledge that we will not be liable for any Cashback where Shuffle or a retailer has deemed a transaction disingenuous.

2. The purchase complies with the criteria of the reward scheme of the relevant retailer (“Scheme Criteria”)

3. The purchase complies with any other criteria agreed between the retailer and Shuffle (“Additional Criteria”) or any other criteria that we deem necessary.

Once we have determined that a purchase is a Qualifying Purchase in accordance with the Eligibility Criteria, it will show up in your Shuffle Account as ‘Cashback Available to Withdraw’.

We will make all reasonable endeavours to secure the payment of commission on a transaction but we do not and cannot make any guarantee in this regard. If you notify us that a transaction has not been reported in your Shuffle Account as you anticipated (a “Claim”) we will use reasonable endeavours to investigate such Claim with the retailer subject always to our right to cease investigations at any point at our entire discretion.

It is important to note that we do not hold money in your Shuffle Account or an account similar to a bank nor are we under any obligation to hold any amount for, or on behalf of, you or any other customers or third parties or to transfer any amount to you or any other customers or third parties. You agree and acknowledge that in all circumstances the allocation and/or payment of Cashback to you is at our discretion and that we reserve the right to refuse to make any Cashback payments to you, or any other customer, including but not limited to circumstances where we, in our sole discretion, determine that we are prevented by applicable law to make such payment. Legal title to any Cashback earned does not pass to you until you have taken possession of the Cashback amount by way of a successful withdrawal from your Shuffle Account.

Rewards for cashback may be conditional. They could be time-sensitive, and the promotions may vary among users. There might be further terms that are detailed on our platform.

Shuffle reserves the right to reclaim or adjust any amount shown as ‘Cashback Available to Withdraw’ and/or any Cashback payments made in the event that any Cashback has been allocated and/or paid to you in error. This may include, but is not limited, to the following circumstances:

1. Cashback is not genuinely due to you.

2. The retailer disputes a purchase as being a Qualifying Purchase after a ‘Cashback Available to Withdraw’ balance or message is shown on your Shuffle Account or a Cashback payment has been made, and Shuffle determines that the purchase is not a Qualifying Purchase.

3. The purchase is returned, amended or cancelled.

4. Commission for a Qualifying Purchase has not been received by Shuffle from the retailer or its agencies but been paid over to you as a Cashback payment. You acknowledge that the retailer's decision is final in relation to the payment of commission to us and, in that case, you agree to repay any Cashback payment upon our request.

5. There is no valid Shuffle Account in place (e.g. if your Shuffle Account is terminated or disabled for any reason) in which case the Cashback will be deemed forfeited.