1. ABOUT THE WEBSITE AND THESE TERMS OF MEMBERSHIP
1.1 getpaidto.com (the “Website”) is an online service owned and operated by Fino Investment LLC (“GetPaidTo”, “we”, “us” or “our”), which enables individuals to earn points which can be redeemed for products shown on the Website and also to receive cashback on the certain purchases they make through the Website.
1.3 By applying to register as a member of the Website you are confirming that you understand and accept (and are able to understand and accept) these terms of membership and that you agree to be bound by them. If you are under the age of 18 or don’t understand these terms of membership, please ask a parent or guardian to explain their meaning to you.
1.4 You may only apply to register as a member of the Website if:
1.4.1 you are 16 or over;
1.4.2 you are a resident of the UK or US; and
1.4.3 you hold a bank account.
1.5 We may make alterations to these terms of membership from time to time. If you are not happy with any alteration, you must stop using the Website. If you keep using the Website, this will indicate your acceptance of these terms of membership as altered. We may notify key changes to you but you should review these terms of membership from time to time to ensure you are aware of any changes.
1.6 The Website is made available free of charge, but we may charge a fee in future. We will not charge you unless you have explicitly agreed to be charged.
2. REGULATION BY THE FINANCIAL CONDUCT AUTHORITY
2.1 Please read our Services and Costs Disclosure Document, which we are required to provide to you by the Financial Conduct Authority.
3. REGISTRATION, ACCOUNT AND PASSWORD
3.1 To register as a member, you will need to submit personal information and choose an account name (“Username”), a password (“Password”) and a valid email address for your Website account (“Account”).
3.2 The Username and Password will be allocated to you on successful application for registration as a member of the Website. Only we can decide whether applications will be successful. You will need your Username and Password to access some parts of the Website. Your Username and Password are personal to you and must not be disclosed to any other person.
3.3 You must ensure that all information about you that is held by us is true, complete, not misleading and up to date. You can amend your registration details at any time through the Website.
3.4 You are solely responsible and liable for any use of the Website under your Account or any other use of your Username and Password.
3.5 You may only hold one Account. When earning Points, only one Account is permitted per household.
3.6 DO NOT SHARE YOUR PASSWORD WITH ANY OTHER PERSON OR ALLOW ANY OTHER PERSON TO USE YOUR ACCOUNT. WE ARE NOT LIABLE FOR ANY IMPROPER USE OF YOUR PASSWORD OR ACCOUNT OR ANY USE OF YOUR PASSWORD OR ACCOUNT BY ANY OTHER PERSON. IF YOU THINK ANY OTHER PERSON KNOWS YOUR PASSWORD, OR THAT YOUR ACCOUNT HAS BEEN USED BY ANY OTHER PERSON, YOU MUST INFORM US IMMEDIATELY.
3.7 If you do not log into your Account for 12 months, we will terminate the Account and all unredeemed Points or Cashback held to that Account will be forfeited to us without any compensation being due to you.
4.1 As part of your membership, you can earn “Points” for completing surveys or questionnaires or for completing other tasks (“Tasks”) on the Website. Points are redeemable for products, services or gift cards (“Products”) sold by third party retailers (“Retailers”) through the Website.
4.2 Points have no monetary value and do not constitute property. Points cannot be:
4.2.1 sold, transferred or assigned;
4.2.2 moved from your Account to another Website account; or
4.2.3 redeemed until they have been added to your Account.
4.3 You will be invited to complete Tasks by email or the opportunity to complete a Task will be made available on the Website. There may be particular eligibility criteria attached to some Tasks, so not all Tasks will be available to all members. As long as you are eligible, you can complete as many or as few Tasks as you like.
4.4 You cannot complete the same Task more than once, unless that Task description states otherwise.
4.5 A description of each Task and the number of Points available for completing it will be made clear to you before you start a Task. Tasks will be added, removed or changed from time to time. These changes may have an impact on your ability to earn or redeem Points. We will try to keep the Website up to date with any changes to the Tasks, but we cannot guarantee that this will always be the case.
4.6 Some Tasks may have their own terms and conditions attached to them and if so those terms and conditions will form a part of these terms of membership. Some Tasks may be made available with the assistance or partnership of third parties. Those third parties might apply their own terms and conditions to a Task.
4.7 When you complete a Task, you may receive information from us or from third parties that is confidential. You must keep that information confidential and only use it for completing the Task. If you are not sure whether some information should be kept confidential, you should not disclose it until you have checked it is OK with us.
5. ACCOUNTING FOR POINTS
6.1 Points will be added to your Account as soon as the Task has been completed.
6.2 It is up to you to check that the correct number of Points is added to your Account. If you can show to our satisfaction that the wrong number of Points has been added, we will try to correct the error.
6.3 On redemption of Points for Products, the redeemed Points will be deducted from your Account. Points can be redeemed in part or full payment for Products, with the remainder of the payment being made by you in cash.
6.4 When you redeem Points, charges may apply to Products such as delivery charges. These charges will be made clear to you before redemption.
6.6 It is your responsibility to seek tax advice regarding any potential income liability on amounts earned.
7. RESTRICTIONS AND OBLIGATIONS
7.1 You agree to comply with these terms of membership and all rules applicable to the use of the Website.
7.2 You will not unfairly exploit any offering by any Retailer or breach terms applicable to transactions with Retailers. of use.
8.1 The Website enables the display of third party content (“User Content”).
8.2 Although we are not obliged to do so, we may remove or reject any User Content.
8.3 You agree that we may process and store any content you submit to the Website (“Your Content”).
8.4 You may send Your Content to other members of the Website, and other members of the Website may send User Content to you.
8.5 You agree to the distribution of Your Content by us both internally and externally. Therefore you should ensure that Your Content does not contain information which you intend to keep confidential or private.
8.6 By making available, posting or transmitting Your Content to the Website, you are granting us a non-exclusive, transferrable, sublicensable, royalty-free, irrevocable, perpetual worldwide licence to use and exploit Your Content for any purpose.
8.7 You agree that you are entitled to make available, post or transmit Your Content to the Website.
8.8 You will not make available, post or transmit to the Website any statement, material or other content, nor use the Website in any way, that:
8.8.1 is unlawful or may give rise to civil or criminal liability;
8.8.2 infringes any copyright or other intellectual property right of any third party;
8.8.3 infringes any third party’s rights of privacy or rights of publicity;
8.8.4 includes any computer virus or other malicious software;
8.8.5 is abusive, pornographic, defamatory, discriminatory or obscene;
8.8.6 harasses any other person;
8.8.7 interferes with another user’s use and enjoyment of the Website;
8.8.8 impersonates any moderator, administrator or any staff or any other person connected with GetPaidTo;
8.8.9 contains the confidential information of any other person;
8.8.10 solicits passwords or personal information;
8.8.11 contains video, photographs, or images of any other person without his or her permission (or in the case of a minor, the minor’s legal guardian);.
8.8.12 exploits any other person;
8.8.13 we consider inappropriate; or
8.8.14 encourage or provokes any other person to do any of the acts listed above.
8.9 If you discover any material which you believe contravenes these terms of membership, please inform us.
8.10 You agree that we may communicate with you at the email address you have provided. You may stop receiving email communications at any time by using the opt out button at the end of an email communication or by amending the Settings in Your Account. Notices that are applicable to all our customers shall be made available on the Website. You will be deemed to have received a notice at the time the email is sent or the time the notice is posted on the Website.
8.11 All emails we send are intended for the addressee only.
9. THE RELATIONSHIP BETWEEN GETPAIDTO, YOU AND RETAILERS
9.1 We permit Retailers to display Products on the Website and the Website contains links to the websites or online services of third parties including Retailers (“External Sites”).
9.2 All Products are subject to availability and third party terms and conditions.
9.3 We are not a party to any transactions you may enter with Retailers (whether or not by redemption of Points or Cashback). We are not the seller or supplier of any Products made available on the Website or any External Sites. This is the case whether or not the transaction takes place on the Website or on an External Site.
9.4 We have no control over and are not responsible for:
9.4.1 the quality, safety or legality or any products or services sold by Retailers on External Sites or on the Website; or
9.4.2 any failure of any Retailer to pass good title to any products or services.
9.4.3 the timing of payments made by Retailers to GetPaidTo. Once these payments are made they will be processed and any cashback owed to you will be released. You will on occasion need to be very patient. If you have confirmed legitimate cashback owed, you will receive it in due course.
9.5 If you ever have a problem with your points or cashback, your first port of call should be the FAQs and then our Customer Service Team if the FAQs do not answer your question. Our team will endeavour to help you resolve the issue and point out the reason why any points may have failed to be added or why any cashback may not yet have been paid out. We have never withheld a member’s points or cashback where they were legitimately earned and we don’t intend to start with you!
9.6 The relationship with each of our members is one of professional mutual respect. We will always endeavour to help a member and give them accurate information via the site or support ticket. Sometimes matters may not be within our control but instead we and our members may be dependent on the actions of third parties and we appreciate that on occasion this may be extremely frustrating for the member(s) in question. However, we will never tolerate any abuse of our staff on any level. In addition we will not tolerate abuse, false statements or claims of fraud etc. against the website, any deliberate unwarranted malicious postings either on our site or on any forum, review or social media platform or any threat to or attempt to hold to ransom the site in order to solicit funds not officially due.
10.1 We provide and maintain the Website on an “as is” and “as available” basis and we are liable only:
10.1.1 to provide our services with reasonable skill and care; and
10.1.2 to award Points which should have been added or replace Points which should not have been deducted.
10.2 We have not verified or reviewed External Sites and all use and access of External Sites is made at your own risk.
10.3 We give no other warranty in connection with the Website and to the maximum extent permitted by law, we exclude liability for:
10.3.1 any loss or damage of any kind howsoever arising, including any direct, indirect, special, punitive or consequential loss whether or not that loss arises out of something of which we have been made aware;
10.3.2 any loss or damage of any kind howsoever arising, including any direct, indirect, special, punitive or consequential loss whether or not that loss arises out of something of which we have been made aware;
10.3.3 any interruptions to the Website;
10.3.4 any incorrect or inaccurate information on the Website;
10.3.5 the infringement by any other person of any copyright or other intellectual property rights of any third party through any User Content or use of the Website;
10.3.6 the availability, quality, content or nature of External Sites;
10.3.7 any Products;
10.3.8 any transaction taking place on External Sites;
10.3.9 any amount or kind of loss or damage due to viruses or other malicious software that may infect a user’s computer equipment, software, data or other property caused by any other person accessing, using or downloading the Website or any User Content; and
10.3.10 all representations, warranties, conditions and other terms and conditions which but for this notice would have effect.
10.4 We do not warrant that the operation of the Website will be uninterrupted or error free.
10.6 Except as provided above there are no other warranties, conditions or other terms and conditions, express or implied, statutory or otherwise, and all of those terms and conditions are hereby excluded to the maximum extent permitted by law.
10.7 You agree not to use the Website in any way which is:
10.7.2 may give rise to civil or criminal liability for GetPaidTo; or
10.7.3 which might bring GetPaidTo into disrepute.
10.8 You hereby agree to indemnify, defend and hold us and our officers, directors, owners, agents, information providers, affiliates, licensors and licensees (collectively, the “Indemnified Parties”) harmless from and against any and all liability and costs (including reasonable legal fees) incurred by the Indemnified Parties in connection with any claim arising out of:
10.8.1 any breach by you of these terms of membership;
10.8.2 claims arising from your use of the Website, any of Your Content or any use of your Account (whether or not such use was by you).
10.9 You shall cooperate with us in the defence of any claim. We reserve the right, at our own expense, to assume the exclusive defence and control of any matter otherwise subject to indemnification by you.
11. BREACH, SUSPENSION AND TERMINATION
11.1 Without limiting any other rights we may have, we may suspend or terminate access to your Account or the Website if you breach any of these terms of membership.
11.2 We will deduct any Points or Cashback which were added to your Account in error or which we believe have been received in breach of these terms of membership. This includes any Points or Cashback received by a holder of multiple Accounts, or any Points received by holders of Accounts which live in the same household. This also includes any or all Points and Cashback earned through the use of VPNs or proxy servers. In instances where we are unable to determine which Points or Cashback were earned fraudulently, we reserve the right to deduct all said Points and Cashback.
11.3 If you are subject to repeated or significant deductions of Points or Cashback, we will consider your Account to be operated fraudulently. All outstanding Points or Cashback which are attributed to:
11.3.2 a suspended Account;
will be forfeited to us without compensation to you.
11.4 We will try to give you reasonable notice of any anticipated termination of the Website, to give you an opportunity to redeem accrued Points and withdraw Cashback. It is possible that we may be required to terminate the Website without notice to you, for example in the case of technical problems, in which case all Points and Cashback held to your Account will expire without any compensation being due to you.
12.1 These terms of membership are subject to your statutory and common law consumer rights and will not limit any rights you might have that cannot be excluded under applicable law. These terms of membership will not exclude or limit our liability for death or personal injury resulting from our negligence nor any fraudulent acts or representations.
12.2 We may deduct any monies you owe us from any monies we owe you.
12.4 Our failure to enforce any term does not constitute our waiver of that term.
12.5 If any part of these terms of membership is found to be unenforceable, it will be amended to the minimum extent necessary to make it enforceable and the remainder of the provisions will remain in full force and effect.
12.6 The Website is intended for and directed at the United Kingdom. No representation or warranty is made as to whether the Website complies with the laws of any other country.
12.7 These terms of membership are subject to the laws of England and Wales and the parties submit to the exclusive jurisdiction of the English courts.
12.8 GetPaidTo will be entitled to assign and otherwise transfer the agreement covered by these terms of membership by giving you reasonable notice, which may include notice given via the Website.
12.9 All questions, comments or enquiries should be directed to us and we will try to respond to within 48 hours.
FINO INVESTMENT LLC
50 TICE BOULEVARD, SUITE 175
WOODCLIFF LAKE NJ 07677
We will deduct any Points or Cashback which were added to your Account in error or which we believe have been received in breach of these terms of membership. This includes any Points or Cashback received by a holder of multiple Accounts, or any Points received by holders of Accounts which live in the same household. This also includes any or all Points and Cashback earned through the use of VPNs or proxy servers. In instances where we are unable to determine which Points or Cashback were earned fraudulently, we reserve the right to deduct all said Points and Cashback.