PLEASE READ THESE REWARDS PROGRAM TERMS CAREFULLY. BY ACCESSING THE MYWALLETJOY SITE AND APP, YOU AGREE THAT YOU HAVE READ, UNDERSTAND, AND AGREE TO BE BOUND BY THE PROGRAM TERMS DESCRIBED HEREIN AND ALL TERMS INCORPORATED HEREIN BY REFERENCE, INCLUDING MYWALLETJOY’S TERMS OF USE AND PRIVACY POLICY.

IF YOU DO NOT AGREE TO ALL OF THESE PROGRAM TERMS, PLEASE DO NOT USE THE MYWALLETJOY WEBSITE, ITS APP OR SERVICES.

  1. ELIGIBILITY AND OVERVIEW

1.1 The MyWalletJoy Rewards Program (the “Program”) is offered only on www.mywalletjoy.com, at the sole discretion of MyWalletJoy (“MyWalletJoy” or “we”). Your participation in the Program is subject to all present and future MyWalletJoy terms and conditions, including the MyWalletJoy Rewards Program Terms and Conditions (these “Program Terms”). These Program Terms do not alter in any way the terms or conditions of any other agreement you may have with us, including any agreement for products or services. Program Terms are void to the extent prohibited by law.

1.2 Participation in the Program is open to individuals who are legal residents of the United States (including its territories and possessions) who are at least 18 years old or the age of majority in the Member’s jurisdiction of residence, whichever is older, for their personal use only, and is limited to one (1) account per individual. Corporations, associations, or other groups may not participate in the Rewards. Employees of MyWalletJoy are not eligible to participate in the Program. MyWalletJoy reserves the right at any time to limit the number of participants in the Program.

1.3 By creating an account with MyWalletJoy and participating in the Program (“Participant” or “you”), you agree that you have read, understand, and agree to be bound by these Program Terms and by any changes or modifications we may make. Further by becoming a Participant, you also agree to be bound by our website Terms of Use and Privacy Policy, all of which are incorporated herein by reference. For the avoidance of doubt, your continued participation in the Program after any changes or modifications have been made to any of the Program Terms constitutes your consent and agreement to be bound by such Program Terms.

  1. ENROLLMENT

2.1 Eligible individuals may participate in the Program by creating an account or logging in and agreeing to these Program Terms. Only one (1) account may be associated with a single email address. In the event of a dispute over ownership of an account, the Participant will be deemed to be the authorized account holder of the email address submitted at the time he/she joined the Program. For purposes of these Program Terms, the “authorized account holder” is the natural person who is assigned to the submitted email address by an internet provider, online service provider, or other organization (e.g., business, educational institution, etc.) that is responsible for assigning email addresses for the domain associated with the submitted email address.

2.2 You may be required to provide your full name, mailing address, email address, and to create a password in order to create an account. You are solely responsible for maintaining the accuracy and privacy of your account information and for updating it as required. To redeem Rewards (as defined below), you must have a valid physical address linked to your account.

  1. PARTICIPATION AND BENEFITS

3.1 The Program is a way in which we reward and thank our users taking Program-related actions. MyWalletJoy may also, at its sole discretion, provide additional Rewards in connection with certain transactions and promotions.

3.2 Rewards earned through the Program have no cash value, are non-negotiable, and cannot be redeemed either in whole or in part for cash. If you obtain Rewards through fraudulent or other activity that violates these Program Terms, the appropriate number of Rewards originally earned from such purchase or activity will be automatically deducted from your Participant account balance. Rewards do not constitute property of any Participant or any other person and may not be brokered, bartered, pledged, gifted, sold, or otherwise transferred, other than by MyWalletJoy or as otherwise expressly provided for in these Program Terms, and any receipt or use of Rewards in violation of these Program Terms will render such Rewards void. Neither Accounts nor Rewards may be shared or combined. Rewards are not capable of being combined or transferred to any other type of promotion or award.

3.3 We reserve the right to change how you accumulate Rewards and how we evaluate each qualifying action. We further reserve the right to place limits on the number of actions that are eligible for the Program, and/or the number or types of Rewards you may receive or earn in any applicable action, in a given time period or for the duration of the Program, and/or any combination thereof. Some actions may be excluded from the Program, at MyWalletJoy’s discretion.

3.4 If you have concerns that an action was not properly applied to your Participant account, you should contact MyWalletJoy Customer Service at feedback@mywalletjoy.com. Your email must specify your name, address, phone number, and email address associated with your account, the date of the action, and the issue(s) you encountered. This email must be sent within forty-five (45) days after the action took place. We are not responsible for late notifications regarding actions not being credited to a Participant account.

3.5 At the moment, Rewards are a beta feature of MyWalletJoy and are not redeemable. We will notify all Participants upon any change and/or update to the Program and if/when/how Rewards can be redeemed.

3.6 MyWalletJoy reserves the right, at any time in its sole discretion and without notice to you, to change the Program, how you earn Rewards, and how we evaluate and reward Program action.

  1. COMMUNICATIONS

4.1 By participating in the Program, you will be automatically subscribed to receive and you consent to receive Program emails, including Program marketing emails, from us and/or our partners. Such emails include, but are not limited to, a Program welcome email, redemption confirmation email, an account update email, or other communications that relate to your Participation in the Program.

4.2 You may opt-out of receiving marketing communications at any time by clicking here; however, you may still receive emails relating to your www.MyWalletJoy.com account.

  1. TERMINATION AND MODIFICATION

5.1 The Program and its benefits are offered at MyWalletJoy’s sole discretion. We may, in our discretion, cancel, amend, modify, restrict, and/or terminate these Program Terms and/or the Program, or any aspect or feature of the Program, at any time without prior notice, even if such changes may affect Rewards already earned and/or the value of Rewards already accumulated and/or the ability to earn and/or redeem Rewards.

5.2 Participation in the Program may be revoked by MyWalletJoy, in its sole discretion, at any time. Any abuse of the Program; failure to follow any of these Program Terms; misrepresentation; or conduct that may be detrimental to MyWalletJoy or our interests may make you ineligible for further participation in the Program. If, in our sole discretion, we suspect fraud, misrepresentation, abuse, or violation of these Program Terms, we also have the right to take appropriate legal action.

5.3 If MyWalletJoy terminates the Program or if you deactivate or delete your MyWalletJoy account, any Rewards in your account or available to you prior to such termination or revocation will automatically expire, and your access to the Program and its features will automatically terminate, in MyWalletJoy’s sole discretion.

5.4 Qualifying actions, as reflected in MyWalletJoy’s records, shall be deemed correct, and MyWalletJoy reserves the right to determine the qualification for any transaction and to correct or modify the Reward at any time based on MyWalletJoy’s records and calculation of account information.

  1. DISCLAIMER OF WARRANTIES; LIMITATION OF LIABILITY

6.1 Neither MyWalletJoy nor its parent company, subsidiaries, affiliates, directors, employees, agents, partners, or licensors makes any representations or warranties of any kind whatsoever, express or implied, in connection with these Program Terms or any of the Rewards associated therewith, including but not limited to warranties of merchantability, non-infringement, or fitness for a particular purpose. We make no warranties that defects or errors will be corrected.

6.2 You agree that neither MyWalletJoy nor its parent company, subsidiaries, affiliates, directors, employees, agents, partners, or licensors will be responsible for or liable (in contract, warranty, or in tort (including negligence)) for any (a) interruption of business; (b) access delays or access interruptions to the Program; (c) data non-delivery, loss, theft, misdelivery, corruption, destruction, or other modification; (d) loss or damages of any sort incurred as a result of dealing with or the presence of any third-party links on the Program site or on www.mywalletjoy.com or use of any Reward of the Program; (e) computer viruses, system failures or malfunctions which may occur in connection with your use of the Program site or www.mywalletjoy.com, including during hyperlink to or from third-party websites; (f) any inaccuracies or omissions in Program content; or (g) events beyond our reasonable control, including without limitation any act of God, act of war, natural disaster, cyberattacks, terrorism, or any act or omission of a third party.

6.3 You agree that neither MyWalletJoy nor its parent company, subsidiaries, affiliates, directors, employees, agents, contractors, contractual partners, providers, or licensors shall be responsible to you for any direct, indirect, incidental, special, consequential, or exemplary damages, including without limitation damages for loss of profits, goodwill, use, data, or other tangible losses (even if MyWalletJoy had been advised of the possibility of such damages), related to the Program or your participation therein, whether in contract, warranty, or in tort (including negligence) even if MyWalletJoy has been advised of the possibility of such damages, and in no event shall MyWalletJoy’s maximum aggregate liability for such claims exceed one hundred dollars (US$100.00).

6.4 You further agree that no claims or action in contract, warranty, or in tort (including negligence) arising out of, or related to, your participation in the Program, use of any Rewards or these Program Terms may be brought by you more than one (1) year after the cause of action relating to such claim or action arose. If you are dissatisfied with the Program, deletion or deactivation of your account is your sole remedy. We have no other obligation, liability or responsibility to you.

6.5 Some jurisdictions do not allow the exclusion of certain warranties or the limitation or exclusion of liability for incidental or consequential damages. Accordingly, some of the above limitations may not apply to you. This Section 6 will survive termination of participation in the Program.

  1. INDEMNIFICATION

7.1 You agree to defend, indemnify and hold harmless MyWalletJoy, its parent company, affiliates, subsidiaries, directors, employees, agents, partners, contractors, contractual partners, telecommunication providers, content providers, and assignees and their respective officers, directors, employees and agents from and against any and all liabilities, claims, actions, demands, damages, costs, losses and expenses (including reasonable attorneys’ fees) made by any third party due to or arising out of your participation in the Program in violation of any law, rule, regulation, guideline, or these Program Terms, and/or your violation of any rights of another.

  1. CHOICE OF LAW AND DISPUTE RESOLUTION

8.1 The Program and these Program Terms are governed by laws of the State of California, without regard to its conflict of laws principles. You hereby consent to the exclusive jurisdiction and venue of the state and federal courts within Los Angeles, California, for any claims arising out of or relating to the Program or your participation therein or the Program site.

8.2 Any dispute, controversy, or claim related in any way to the Program, these Program Terms, your Program membership, or the relationship between MyWalletJoy and you shall be submitted to confidential arbitration in California, except that, to the extent you have in any manner violated or threatened to violate MyWalletJoy’s intellectual property rights, MyWalletJoy may seek injunctive relief in any state or federal court in the State of California, and you consent to exclusive jurisdiction and venue in such courts. Arbitration under these Program Terms shall be conducted by a single arbitrator under the rules then prevailing of the American Arbitration Association. The arbitrator’s award shall be binding and may be entered as a judgment in any court of competent jurisdiction.

8.3 To the fullest extent permitted by applicable law, no dispute under these Program Terms shall be joined to a dispute involving any other party subject to these Program Terms, whether through class arbitration proceedings or otherwise. You agree that you may bring claims related to the Program, these Program Terms, your Program participation, or the relationship between MyWalletJoy and you against us in your individual capacity and not as a plaintiff or class member in any purported class or representative proceeding.

  1. PRIVACY

9.1 The personal information collected from you in connection with the Program, including but not limited to actions taken in connection with your Program participation, is subject to our PRIVACY POLICY.

  1. CONTACT US

10.1 For more information about the Program and your Program membership, please contact us at feedback@mywalletjoy.com. We are not responsible for requests or correspondence that is lost or delayed in the mail or via the Internet.