1. General provisions
1.1. This Agreement (hereinafter, the "Agreement”) is a contract between you and CASHOFF LIMITED (hereinafter, CASHOFF) and applies to your use of the CASHOFF Services (hereinafter, the “Services” or the “Service”) provided at the yepy.com website. This User Agreement describes the terms and conditions applicable to your access to and use of the CASHOFF Services.
1.2. These Terms and Conditions of the User Agreement govern the use of Services and the Website delivered as part of the services provided by the CASHOFF limited company, registered under English law, namely the Companies Act 2006 and The Companies and Limited Liability Partnerships Regulations 2016, with registered address Level39, One Canada Square, Canary Wharf, London, United Kingdom, E14 5AB, e-mail: email@example.com.
1.3. This Agreement and the relationship between us shall be governed by the laws of England subject to your local mandatory rights.
1.4. We may amend this Agreement at any time by posting the amended terms on our website; all amended terms shall automatically become effective 7 days after they are initially posted on our site.
2. Entering into this agreement
2.4. This Agreement together with other legal terms and legally required disclosures relating to your use of the CASHOFF Service will be provided to you, at all times on the CASHOFF website.
2.5. This Agreement is provided to you and is concluded in English, other versions of this Agreement are translations of this Agreement. You agree that any use of the Services shall constitute your acceptance of the Agreement and we recommend that you store or print off a copy of the Agreement (including all policies) for your records.
3. Definitions and interpretations
“Account” means a User Account.
“Agreement” means this agreement including all subsequent amendments.
“ CASHOFF,” “we,” “us” or “our” means CASHOFF as specified in point 1.2. of this Agreement.
“Content” means any information, data, texts, messages or other materials posted on the Site.
“Data Protection Laws” means Regulation (EU) 2016/679 of the European Parliament and of the Council of 27 April 2016 on the protection of natural persons with regard to the processing of personal data and on the free movement of such data, and repealing Directive 95/46/EC (General Data Protection Regulation), and Data Protection Act 2018.
“Login” means a name of the User account in any form.
“Password” means an element of the account, a secret set of symbols intended to confirm the User’s identity or authority, used to protect information from unauthorised access.
“YEPY Mobile App“ means an application on a mobile device that enables a User to perform certain actions with CASHOFF Account using that mobile device.
“Services” means a set of software and hardware and its updates determined by the CASHOFF and provided to the User in the YEPY mobile application and at the yepy.com website.
“User,” “you” or “your” means any person registered on the yepy.com website or using the Service who has entered into this Agreement and has the Internet access.
“Website (site)” means the URL such as https://yepy.com/.
4. Services and data usage
4.1. CASHOFF provides You with the opportunity to participate in loyalty programmes, receive cashback remuneration and manage your money in banking applications. Your Account provides You with access to these services through CASHOFF Services ( The provision of the Services and the data necessary for their use will be described in more detail in separate subsequent Agreements ).
4.2. CASHOFF will not sell or disclose your data to any third party for any purpose other than set in this Agreement.
5. Compliance with data protection laws
5.1. CASHOFF processes your data in order to provide its services, including personalised (targeted) advertising, as well as to check, research and analyze data allowing us to develop, maintain and improve the Services and the website sections. CASHOFF is committed to take all necessary precautions to protect your data from unauthorised access, modification, disclosure or destruction. CASHOFF provides access to the data only to those employees and contractors who need this information to ensure the functioning of the Services and proper provision of the services.
5.2.With regard to any personal data processing by CASHOFF in connection with this Agreement, it complies with the requirements of the Data Protection Laws in respect of the provision of services and otherwise in connection with this Agreement. In complying with the Data Protection Laws, without limitation, CASHOFF:
- implements and maintains at all times all appropriate security measures as to the processing of personal data;
- maintains a record of all processing activities carried out under this Agreement.
6. Security and privacy
6.1. CASHOFF will make all reasonable efforts to safeguard Your data against unauthorised access or misuse. In case of a system breach or if the system is compromised or the data is inadvertently exposed to unauthorised third parties, you will be promptly notified of such a breach or exposure including root cause, remediation steps, and compensating controls to ensure such a breach does not occur in the future.
6.2. CASHOFF aims to obtain your explicit consent in connection with any use of the Services. This consent must be compliant with all applicable data protection legislation and other privacy laws, rules, and regulations.
6.4. If You request CASHOFF to delete your data it stores, CASHOFF agrees to promptly honour your request and to delete all such data and information from its servers.
7. Your account and access
7.1. To be eligible for our Services, you must have full legal capacity to enter into a contract; be at least 18 years old. You further represent and warrant to us in opening an Account with us that you are not acting on behalf of, or for the benefit of, anyone else.
7.3. If your information changes at any time, please ensure you promptly update your Account to reflect those changes.
7.4. You agree to provide us with the information we request for the purposes of identity verification and the detection of money laundering, terrorist financing, fraud, or any other financial crime and permit us to keep a record of such information.
8. Registration obligations
8.1. You agree to (a) provide true, accurate, current and complete information about yourself; (b) maintain and promptly update the information to keep it true, accurate, current and complete. If You provide any information that is untrue, inaccurate, not current or incomplete, or if CASHOFF has reasonable grounds to suspect that such information is untrue, inaccurate, not current or incomplete, CASHOFF has the right to suspend or terminate Your registration and deny any/ current or future use of the Services.
Provided that the account assigned is duly filled, You acquire full rights to use the Services. To access the Services, you must have the necessary equipment (such as a smartphone or tablet) and associated telecommunication service subscriptions to access the Internet. The Services can also be accessed directly through the CASHOFF website.
8.3. Mobile Device Terms
8.3.1. If you are accessing the Site or Services through a mobile application, the Mobile App is for your personal non-commercial use only.
8.3.2. CASHOFF owns or is the licensee to, all right, title, and interest in and to its application, including all rights under patent, copyright, trade secret, trademark, unfair competition law, or any other proprietary rights, including all applications, renewals, extensions, and restorations thereof. You must not modify, adapt, translate, prepare derivative works from, decompile, reverse-engineer, disassemble, or otherwise attempt to derive source code from the whole or any part of the Mobile App and you must not remove, obscure, or alter CASHOFF's copyright notice, trademarks or other proprietary rights notices affixed to, contained within, or accessed in conjunction with or by the Mobile App.
8.3.3. Device Specific Additional Terms
iOS – Apple
These Mobile Device Terms are an agreement between you and CASHOFF, and not with Apple. Apple is not responsible for the Mobile App and the content thereof.
CASHOFF grants you the right to use the Mobile App only on an iOS product that you own or control and as permitted by the App Store Terms of Service.
Android – Google
These Mobile Device Terms are an agreement between you and CASHOFF and not with Google. Google is not responsible for the Mobile App and the content thereof.
CASHOFF grants you the right to use the Mobile App only on an Android product that you own or control and as permitted by the Google Play Terms of Service.
8.4. User ID, Password and Security
8.4.1. As part of the registration and account creation process, You will select a User ID and a password. Your CASHOFF account and User ID shall not be transferred or sold to another party and You are solely responsible for maintaining the confidentiality of Your User ID and password and for all activities that occur under Your User ID and password. For the subsequent automatic authorization on the Site, You can store the login and password (as cookies) on the used hardware-software.
8.4.2. You are solely responsible for maintaining the confidentiality of your Account information, password and any activity relating to your Account. Your Account is not transferable to another party.
8.4.3. You agree to (a) immediately notify CASHOFF of any unauthorised use of Your User ID or password or any other breach of security and (b) ensure that You properly exit the Services at the end of each session. CASHOFF cannot and will not be liable for any loss or damage arising from Your failure to comply with this point.
9. Website and CASHOFF services status
9.1. The yepy.com site is an Internet resource. All the Site rights and rights to use of a network address (domain name), yepy.com in particular, belong to CASHOFF. This Agreement does not contain any provisions granting the right to use the company name, trademarks, domain names and other distinctive CASHOFF signs. This right to use the company name, trademarks, domain names and other distinctive signs can only be granted with the written agreement of CASHOFF.
9.2. The Service Functionality
9.2.1. CASHOFF provides the technical possibility of Services use, it does not participate in the formation of the account content, nor does it control or should be held responsible for the action/inaction of any person regarding the use of the Site and/or the Service, or the formation and use of the account content on the Site.
9.2.2. CASHOFF ensures the Site and/or Service functionality and operation, undertakes to recover the Site and/or Service promptly in the event of technical failures and interruptions. CASHOFF is not liable for temporary and other interruptions in the Services operation as well as for the loss of information caused by them.
9.2.3. CASHOFF is not liable for any damage caused to your or somebody else’s personal computer, mobile device, any other equipment or software caused or associated with downloading materials from the Site or from links posted on the Site.
9.2.4. CASHOFF has the right to disclose statistical information related to the Site and/or the Service functionality, as well as the Users’ information to ensure the targeted display of advertising information to different audiences of the Site and/or the Service Users.
9.2.5. By using our website and services you give CASHOFF permission to collect, use and process the data to provide and send you the information about the Site and/or the Service development, as well as to advertise its own activities and services.
9.3. Site changes and availability
CASHOFF reserves the right to modify or discontinue, temporarily or permanently, the Site, the Services or any part of the Site or Services, any Services applications with or without notice for any reason at any time. CASHOFF performs regularly-scheduled maintenance. While we do our best to avoid customer impact, the Site or our Services may be temporarily unavailable during maintenance periods.
9.4.1. CASHOFF may provide, or third parties may provide, links to other World Wide Web sites or resources. Because CASHOFF has no control over such sites and resources, You acknowledge and agree that CASHOFF is not responsible for the availability of such external sites or resources and does not endorse and is not responsible or liable for any content, advertising, products or other materials on or available from such sites or resources. You further acknowledge and agree that CASHOFF 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 site or resource.
9.4.2. The links or manuals on downloading the files and/or installing third-party programs on the Site do not mean CASHOFF supports or approves of these actions.
9.4.3. Where we offer a link to any site, product, service, commercial or non-commercial information posted on the Site and/or the Service, it does not mean CASHOFF approves or recommends these products (services).
9.4.4. If You decide to leave the Site and access any third-party website, use or install third-party programmes, You do so at Your own risk, and from that time You should be aware that our terms and policies no longer govern. Further on, You should review the applicable terms and policies, including privacy and data gathering practices, of any site to which you navigate from the Site.
9.5. Advertising on the Service
CASHOFF is responsible for advertisement posted on the Service within the limits imposed by the current legislation.
10. Intellectual property rights
10.1. The Website's services and all the necessary programmes associated with them contain confidential information that is protected by intellectual property laws. You acknowledge that the domain name, configurations, displays, screens, software, code, algorithms, scripts, inventions, trade secrets, images, graphics, text, and all information appearing on or displayed in connection with or contained by CASHOFF on its Website and/or the Service is subject to CASHOFF’s exclusive rights and covered by various intellectual property right protections, including domestic and international copyright, trademark, and trade secrecy laws.
10.2. You acknowledge that CASHOFF is the sole owner of the information on its Website and You do not acquire any of those ownership rights by printing or downloading any of the information or making use of the Service. You shall take no action to decompile, reverse-engineer, infringe, or misappropriate any of the CASHOFF’s Intellectual Property, nor shall You register or attempt to register in Your own name anywhere in the world any of the CASHOFF Intellectual Property or elements thereof.
10.3. CASHOFF grants You a personal non-exclusive and non-transferable right to use the Service, provided that neither You nor any other person with your assistance will:
- copy or modify the software;
- create programmes derived from the software;
- penetrate into the software in order to obtain programme codes;
- sell, assign, lease, transfer to third parties in any other form the rights with respect to the software of the services provided under the Agreement;
- modify services, as well as obtain unauthorised access to them.
10.4. Except as expressly provided in this Agreement and the applicable law, no Content may be copied, reproduced, processed, distributed, published, downloaded, transmitted, sold or otherwise used in whole or in part without the prior permission of the copyright owner or unless the copyright holder directly expressed his consent to the free use of the Content by any other person.
11. CASHOFF rights and obligations
11.1. CASHOFF shall:
- maintain the proper Services and the Site operation;
- protect data provided.
11.2. CASHOFF has the right to:
- post advertising information or any other information for public distribution without Site and Service content prejudice on the user’s account page;
- send information messages to users;
- terminate the login and password operation and remove any Content without prior authorisation in the event of access use suspension or in violation of this Agreement.
12. Your rights and obligations
12.1. You shall:
- comply with the provisions of this Agreement;
- not disrupt the normal Site and its Services operation;
- provide real and complete data, keep this information accurate and truthful.
- inform CASHOFF about unauthorised access to the account and/or unauthorised use of login and password;
- not provide access to your account or to any particular information contained therein to other Users;
- take appropriate measures to ensure the login (e-mail address) and password security, specify the real email in the appropriate field of the registration page, bear full responsibility for any actions committed with the account as well as for any consequences that could entail or entailed such use;
- be responsible for all information, data, text, messages and other materials (Content) you transmit via the Site and/or the Service;
- not use the Site and/or Service in any manner in violation of any applicable law or regulation and not post links to web resources contrary to applicable law on the website;
- not use the Site and/or Service to download, send, transmit or otherwise post Content that is unlawful or violates the legal rights of others.;
- not pretend that you are, or that you represent someone else, including the CASHOFF employees;
- not publish any advertisement or related materials on the Site and/or Service;
- not compromise (unauthorised penetration) any technological Services’ components, databases and other Site components;
- not transfer any information or software that contains viruses or other malicious components.
12.2. You have the right to:
- be provided free of charge access to your information by uploading the data on the Site and/or the Service using a login and password;
- make changes and corrections to your information in the Account ensuring the reliability of such information;
- delete your information from the Account;
- delete your Account and by doing so all information regarding the User’s data will automatically be erased;
- enquire CASHOFF about the data processing;
- forward to CASHOFF appeals, proposals and claims on the implementation of this Agreement, as well as on all matters related to the Site functioning, third-party rights and interests violation concerning Services use (these complaints can be sent to the mailing address specified in point 1.2. of this Agreement).
13.1. We may investigate any potential or suspected violations of the User Agreement, Additional Policies, security protocols or best practices, third-party rights or applicable law; any actions or any other misconduct or potential abuse on or through the Services or attempts. When assessing whether and which measure(s) to take against a user, we will take the legitimate interests of the user into account, and shall, in particular, consider if the user is responsible for the misconduct.
13.2. We reserve the right to report any activity that we believe to be illegal or otherwise in contravention of this User Agreement and we will respond to any verified requests relating to a criminal investigation (i.e. a subpoena, court order or substantially similar legal procedure) from local and foreign law enforcement or regulatory agencies, other government officials or authorized third-parties.
13.3. CASHOFF reserves the right not only to report that there is or has been a reasonable likelihood of a security breach of the website or systems that could result in the unauthorised disclosure of customer information, but also to take any other actions deemed necessary and/or require you to provide us with information related to any such breach.
14. Disclaimer of warranties; limitation of liability
14.1. You understand and agree that you are making use of the site and services on an ‘as is’ and ‘as available’ basis. You use the Service at your own risk. CASHOFF does not take any responsibility for the compliance of the Service with your purposes.
14.2. CASHOFF is not responsible for the Content you created, but it has right to refuse to post or remove any Content that is available through the Site. It also has the right to change the form, order and volume of information being posted.
14.3. In addition, to the maximum extent permitted by law, CASHOFF is not liable for: (a) any special, indirect, or consequential damages; (b) loss of: profits, goodwill or reputation, or other intangible losses; (c) damages relating to: (i) your access to, use of, or inability to access or use the site or services; (ii) viruses or other malicious software obtained by accessing our site or services or those of any site, services, or tools linked to our site or services; (iii) any user content or content of third parties.
CASHOFF hereby warrants that:
- its’ issuance of this Agreement does not and will not breach any other agreement or terms and conditions to which it is a party; and
- it has the necessary authority to issue this Agreement.
You hereby warrant to CASHOFF that:
- Your acceptance of this Agreement does not breach any other agreement or terms and conditions to which You are a party; and
- You will provide all the information required for the provision of the Services in good faith and will not knowingly, recklessly or carelessly make any misrepresentations or incorrect statements; and
- You will comply with any additional terms and conditions published by CASHOFF from time to time.
16. No warranties
The information set forth on and the description of services offered through the website were believed by CASHOFF to be accurate at the time of preparation or obtained from sources believed to be reliable. CASHOFF makes no express or implied warranties, either of merchantability, fitness for a particular purpose or of any other nature regarding the information or services descriptions (in particular, the terms of the user's participation in a loyalty programme sales promotion) set forth in the website (in particular, in the framework for the Service of Data collection from loyalty programmes of distributing facilities).
17. Term and termination
17.1. This Agreement shall remain valid and applicable to You for so long as You remain a user in good standing of CASHOFF.
17.2. CASHOFF reserves the right, at any time and without prior notice to You, to terminate its relationship with You in the event that You are in breach of any of Your warranties or obligations under this Agreement and, in particular, Your undertaking to not misuse or misrepresent the scope and validity of the Services to third parties, particularly where the name and reputation of CASHOFF and/or any of its Affiliates is or is liable to be harmed or tarnished as a result.
17.3. This User Agreement shall commence on the date that you register an Account with CASHOFF and will continue for an indefinite period unless terminated in accordance with these provisions.
17.4. You may terminate this User Agreement at any time by contacting Customer Service. In the event that you request that CASHOFF closes your Account, it will treat your request as termination of this User Agreement. CASHOFF may terminate this User Agreement at any time by giving at least thirty (30) days’ notice via email to your registered email address. We will then close your Account.
18. Final provisions
18.1. This Agreement shall be governed by and construed in accordance with English law.
18.2. In the event of any dispute or disagreement, you have to make an effort to resolve them through negotiation. In the event that disputes are not resolved through negotiation, the disputes shall be resolved in accordance with the procedure established by applicable law.
18.3. If any provision of this Agreement is found to be invalid, the invalidity of such provision will not affect the validity of the remaining provisions of this Agreement or any Service-specific terms and conditions.
18.4. This Agreement is concluded in English only. We will communicate with you in English only (if the request was submitted to the headquarters). You may also contact our local call centres in your region (you can find the contact details on the relevant section of the website).
18.5. You agree that CASHOFF may provide notice or other information to you by posting it on the CASHOFF website, emailing it to the email address listed in your Account, calling you by phone, or sending you a text/SMS message. You must have internet access and an e-mail account to receive communications and information relating to the Services.