User Agreement


Please read these terms and conditions of the User Agreement carefully as they set out our respective legal rights and obligations as well as remedies. By using Yepy you agree to comply with this User Agreement.


1. GENERAL

1.1. This User Agreement (hereinafter, the “Agreement”) is an agreement between you (hereinafter the “User(s)” / “Yepy User(s)”) and CASHOFF LIMITED (“we,” “us,” “CASHOFF” and “our”- the company was incorporated under the English law; VAT number: 280267306; registration number: 10995366; registration address: The Shipping Building, The Old Vinyl Factory, Blyth Road, Hayes, London, Greater London, United Kingdom, UB3 1HA, business address: Level39, One Canada Square, Canary Wharf, London, United Kingdom, E14 5AB, email: help@yepy.com), collectively referred to as the Parties, and individually as the Party. Hereby the Parties warrant that they each have the right, authority and capacity to enter into and be bound by the terms of this Agreement.

1.2. This Agreement all its Annexes govern the use of the yepy.com website and the Yepy mobile application (hereinafter, “Yepy”) that offer reference and analytical information on the assortment, prices, discounts, promotions for goods of the relevant region (the user selects the region when installing the application or in the beginning of the website use), the opportunity to take part in promotions, receive analytics, reports of your income and expenses, as well as advice on budget planning

1.3. To enable users across the world to enjoy the whole range of the Yepy services, Stipulated in paragraph 1.2, CASHOFF engages with its Partners from various regions to support Yepy functioning therein. If you are based in APAC, the Russian Federation, Eurasia or CIS countries, the Yepy functioning is backed by:

  • CASHOFF LIMITED, Hong Kong, with the registered address: Flexi-Space, 123, Smart-Space 2, Units 1205-1208, Level 12, Cyberport 2, 100 Cyberport Road, Hong Kong, email address: help@yepy.com, Phone number: +852 800 906 459.
  • CASHOFF LLC, the Russian Federation, with the registered address: Suite 253, 17, Varshavskoye shosse, 117105, Moscow, Russia, email address: help@yepy.com

1.4. Governing Law This Agreement and the relationship between us shall be governed by the laws of England and Wales and subject to the non-exclusive jurisdiction of the courts of England and Wales.

1.5. CASHOFF may alter this User Agreement. The updated User Agreement shall take effect when posted unless otherwise provided in the updated User Agreement. You will always find the latest version thereof in Yepy.

1.6. This Agreement is provided to you and concluded in English, other versions of this Agreement are translations of this Agreement. If there is any inconsistency or conflict between the English and other versions, the English version shall prevail.

2. SCOPE OF THE AGREEMENT

2.1. This Agreement applies to all Yepy Users who visit Yepy, use its Services and the paid subscription. In this regard, the Agreement contains general provisions for Yepy and its paid subscription use and specific terms for the Yepy Services use. General and specific terms may vary depending on Your region.

2.2. The general terms for Yepy use govern the following:

  • getting free access to reference information on the range, prices, discounts, promotions for consumer goods and services (the ability to see a list of shares and their conditions in the specific region);
  • accessing Yepy content, its databases within the framework of its functionality for the corresponding region
  • viewing a list of previously downloaded receipts and information on them
  • viewing analytics and reports on income and expenses, advice on budget planning (Yepy paid subscription) with some details in Annex III

2.3. The specific terms set in Annex I, Annex II and Annex III of this User Agreement govern the use of the Yepy Services. These Services ensure data aggregation on the User's payment patterns from personal accounts and the display thereof; data gathering across user bank accounts and making it available from one screen; having Users’ data analyzed to help them spare no expense; Users' taking part in promotions and receiving cashback. There are the following Yepy Services:

  • Cashback per Item (Annex I)
  • Data Aggregation (Annex II)
  • Data Analytics, Budget, Goals (Annex III)

2.4. The use of Yepy or any of its Services shall determine the data set (data capacity) necessary for its adequate rendering (see paragraph 6 of the Privacy Policy). The User hereby gives their consent to the processing of data received by CASHOFF within Yepy and its Services use.

3. ACCEPTANCE OF TERMS

3.1. To use Yepy you must have full legal capacity (the User has to be at least eighteen (18) years old or of the legal age of majority within the jurisdiction where the User resides) to enter into this Agreement. Accepting terms of this Agreement explicitly or confirming them in Yepy or concluding an implied-in-fact contract which testifies to the consent shall be deemed as acceptance of all of the Agreement terms and conditions including its Annexes. By accepting the Agreement, the User is deemed to have agreed that they have fully read and agreed to these terms and conditions. The acceptance is not subject to any time restriction. By purchasing Yepy subscription, the User agrees with the procedure, scope (see Annex III) and conditions of the subscription provisions. Unless specified otherwise, Yepy subscription is considered to be rendered from the moment of its acquisition by the User (by clicking the “Buy” button).

3.2. Revocation of Acceptance. The User has the right to withdraw from the terms of this User Agreement. User’s revocation of acceptance by withdrawing from the Agreement terms and conditions shall serve as the basis for the termination of the contractual relationship between the Company and the User (termination of this Agreement).

4. TERMS AND DEFINITIONS

"Agreement" means this agreement including all subsequent changes thereto.

“CASHOFF”, “we”, “us” or “our” — means CASHOFF as specified in paragraph 1.1. of this Agreement.

Authorization means certifying the User's right to access the Account by successfully entering the User login and password in the application.

Partners are service vendors, subcontractors or affiliates, payment processors that help CASHOFF render its services in regions and who are data operators. In order to render the scope of services in Yepy, CASHOFF may rely on various third-party vendors. The vendors can be based inside as well as outside the EEA, including Asia and Russia. CASHOFF may rely on its partners for the following:

  • (i) rendering customer or payment processing services
  • (ii) verifying the information against publicly available databases
  • (iii) providing technical framework
  • (iv) ensuring product functioning and debugging
  • (v) providing services through third-party platforms and software (e.g. via API integration)

"Content" means any information, data, texts, messages and other materials posted on the website or in the mobile application.

"Login" means the name (ID) of the User Account with Yepy.

"Password" means an element of the account, a secret set of symbols intended to confirm the User identity or authority, used to protect information from unauthorized access.

"Personal Account" means a Yepy Interface that enables the User to access their data and work with them. The User is eligible for one Personal Account only, in case of the customer's bad faith/fraudulent conduct regarding their user account, or one user signing up for the Offers from multiple accounts, the Company may recognize such user account breaching the Terms and renege its obligations.

User Profile means a User data set stored in the computer system which is used to identify (authenticate) User in banks and payment systems and provide his/her with access to the certain data and settings.

"Yepy Mobile Application" means an application on a mobile device that enables a User to perform specific actions with the account using that mobile device.

"Services" means a set of software and hardware and its updates determined by CASHOFF and provided to the User in the Yepy mobile application and at the yepy.com website.

"Region" means the region selected by the User at the beginning of Yepy use.

"User", "you" or "your" means any person who is registered on the yepy.com website / Yepy mobile application or uses the Service, entered into this Agreement and who has the Internet access.

"Website (site)" means the URL such as yepy.com

5. YOUR ACCOUNT AND ACCESS

5.1. In order to use Yepy and its Services you will need to create an Account by providing your e-mail address or mobile phone number, password, and accepting the terms and conditions of this Agreement and our Privacy Policy. By creating an Account you warrant to us that you are not acting on behalf of, or for the benefit of anyone else.

5.2. When logging in the Account you must provide complete and accurate information for participating in loyalty programs, receiving cashback remuneration and managing your money in online banking. When providing us with this or any other information that may be required, you hereby confirm that the information is accurate and authentic. If your information changes at any time, please ensure you promptly update your Account to reflect those changes.

5.3. Yepy Subscription

5.3.1. The use of Yepy paid subscription is determined by the provisions of this Agreement and its Annex III. To become a Yepy subscriber, the User must pay the cost of a weekly, monthly, annual or unlimited subscription. The cost of the subscription shall be paid by the User at the beginning of the period. The user can also pay the maximum cost of service on a nonrecurring basis.

5.3.2. The subscription fees are set in currency of the region selected by the user and indicated by CASHOFF in the corresponding section of the Yepy app while their validity period is displayed in the User account.

5.3.3. We reserve the right to change, amend, modify or vary the price, package and/or functionality of Yepy paid features. If we change the price and package, we will give you notice in advance of these changes.

5.3.4. The User guarantees that they have the right to use the means chosen by them to pay for the subscription without violating the current legislation. The company shall not be liable for possible loss to third parties arising from the use by the User of payment funds not belonging to them.

5.3.5. The User shall follow the payment instructions for the procedure and manner of payment, including the rules of input of the message and the procedure for input of capital and lowercase letters, figures and input language.

5.3.6. You are responsible for paying any other charges that you may incur by transferring the subscription cost to the Company, including fees, commissions and other types of payments, at your own expense. You expressly agree that CASHOFF shall not for any reason whatsoever be liable to refund the full amount or any part of fees, charges and taxes paid by you.

5.3.7. The money deposited by the User shall not be subject to return if the User's actions that violate this Agreement have led to the termination of the Yepy paid features rendering, and also if the Yepy paid features rendering has become impossible upon the User's fault.

6. REGISTRATION

6.1. 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.

6.2. Access Provided
that the account assigned is duly filled, you acquire full rights to use the Services through Yepy. To access the Services, you must have the necessary equipment (such as a smartphone or a tablet) and associated telecommunication service subscriptions to access the Internet.

6.3. Mobile Device Terms

6.3.1. If you use the mobile application to access the Services, this Mobile Application is intended solely for your personal non-commercial use.

6.3.2. CASHOFF is the rights holder to Yepy and Services as well as the trademark rights or any other property rights, including all applications, updates, extensions and restored versions of the application. You hereby undertake not to modify, adapt, translate, decompile, reverse engineer, decompress, or otherwise try to detect the source code of the whole or a part of the Application, and you shall not remove, obscure, or alter CASHOFF copyright notice, trademarks or other proprietary rights notices affixed to, contained within, or accessed in conjunction with or by the App.

6.3.3. Device-specific Additional Terms
iOS – Apple
These Mobile Device Terms aren’t an agreement between you and Apple. Apple is not responsible for the Application and the content thereof.
CASHOFF grants you the right to use the Application 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 aren’t an agreement between you and Google. Google is not responsible for the Application and the content thereof.
CASHOFF grants you the right to use the Application only on an Android product that you own or control and as permitted by the Google Play Terms of Service.

6.4. User ID, Password and Security

6.4.1. As part of the registration and account creation process, you will select a User ID and a password valid only for the region you specified. Your 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 website, you can store the login and password (as cookies) on the used hardware/software.

6.4.2. 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.

6.4.3. 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 log out 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 paragraph.

7. ACCOUNT MAINTENANCE

7.1. Account Update
You agree to keep your Account information current, complete and accurate by periodically updating the information through Yepy. You must be logged in in Yepy and enter your password to change your Account information. You may check your Account status and history of operations at any time via Yepy. You shall maintain the confidentiality of your Account information, including username and password by which you access Yepy. Any use of your username and password will be deemed to be you, and Company is entitled to act on the instructions received under your password. If there is a breach of security through your Account, you shall immediately change your password and notify us of such breach. You agree that, unless you have first notified us immediately of any such breach, we should assume that any instruction transmitted using your username and password is yours and has been authorized by you, and we will have no obligation to inquire into the propriety of such instruction.

7.2. Account Activity
An Active Account means you must have engaged in one of the following activities within the past twelve (12) months: (i) updated your Account information, (ii) have accrued cashback or (iii) have logged in to your Account. If your account remains inactive for more than twelve (12) consecutive months and the balance in your inactive account is or becomes zero, Company reserves the right to close the Account permanently and cease to maintain your Account records and access to Yepy.

8. INTELLECTUAL PROPERTY RIGHTS

8.1. All rights, titles and interests in Yepy and the Services belong to the Company or its licensors. The Company labels may not be used in connection with any product or service that is not the Company’s possession or in any manner that is likely to cause confusion among customers, or in any manner that disparages or discredits the Company.

8.2. Yepy and its Services as well as all the necessary programs related to them, contain confidential information and are protected by the intellectual property legislation on the part of CASHOFF.

8.3. you hereby acknowledge that the domain name, configurations, design elements, visualization, software, codes, algorithms, scripts, developments, trade secrets, pictures, graphics, text, and all information displayed in Yepy are the objects of the exclusive rights of CASHOFF in accordance with the legislation on the protection of intellectual property rights, including domestic and international copyright laws, on the protection of trademark rights, as well as on the maintenance of trade secrets.

8.4. You acknowledge that CASHOFF is the sole owner of the information presented in Yepy and you do not acquire any of those ownership rights by printing or downloading any of the information from or by using Yepy. 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.

8.5. CASHOFF grants you a personal non-exclusive and non-transferable right to use Yepy, 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

8.6. Except as expressly provided in this Agreement and the applicable laws, 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.

9. CASHOFF RIGHTS AND OBLIGATIONS

9.1. CASHOFF shall:

  • maintain the proper Services operation
  • protect the information provided

9.2. CASHOFF has the right to:

  • post advertising information or any other information for public distribution without Yepy and Service content prejudice on the user’s account page
  • send information messages to users
  • terminate the login and password and remove any Content without prior authorisation in the event of access use suspension or in violation of this Agreement

9.3. Updates and Availability

9.3.1. CASHOFF reserves the right to change or suspend, temporarily or indefinitely, the operation of Yepy and its Services at any time (should the Service updates be related to the need to obtain additional User data, CASHOFF notifies the User thereof and receives the corresponding consent), as well as the corresponding Yepy components with or without notice to the User.

9.3.2. Maintenance work is done by CASHOFF on a regular basis and in accordance with the schedule. For our part, we will do our best so that the work does not in any way affect the functionality of the services of users, however, periods of temporary unavailability of the service are possible.

9.4. Advertising on the Service
CASHOFF is responsible for advertising placed on the Service within the limits established by the applicable legislation

10. YOUR RIGHTS AND OBLIGATIONS

10.1. You shall:

  • comply with the provisions of this Agreement
  • not disrupt the normal operation of Yepy and its Services
  • 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 on the registration page, bear full responsibility for any actions committed with the account as well as for any consequences that such use could entail or entailed
  • be responsible for any information, data, text, messages and other materials (Content) you transmit via Yepy
  • not use Yepy in violation of any applicable law or regulation and not post links to web resources contrary to applicable law on the website
  • not use Yepy 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 Yepy
  • not compromise (unauthorised penetration) any technological Services’ components, databases and other Yepy components
  • not transfer any information or software that contains viruses or other malicious components

10.2. You have the right to:

  • be provided with no-charge and free access to your information by uploading the data on Yepy using your login and password
  • make changes and corrections to your information in the Account providing the reliability of such information
  • enquire CASHOFF about the data processing
  • delete your information from the Account
  • delete your Account and by doing so all information regarding the User’s data will automatically be erased
  • forward to CASHOFF appeals, proposals and claims on the implementation of this Agreement, as well as on all matters related to Yepy functioning, rights and third parties interests violation concerning the Services use (these complaints can be sent to the mailing address specified in paragraph 1.7. of this Agreement)

10.3. YOUR WARRANTIES

  • The User undertakes to take all reasonable measures to prevent any unauthorised access of third parties to the data related to the Service
  • The User shall be liable for maintaining control over their user account and keeping any third parties away from undertaking any activities therein. Any action with regard to the User Account after the authorisation has been successfully completed is deemed taken by the User personally
  • The User should notify the Company of any change in their data by updating personal records in the User Account accordingly. Adverse consequences caused by failure to notify of the changes in the data are the User's liability
  • The User warrants that the User account has not been deleted, blocked and/or deactivated on account of fraudulent acts; and/or breach of this Terms by the User; and/or breach of the applicable laws by the User before. In case the User violates the warranties, stipulated hereto, the Company reserves the right to refuse the User's registration and/or delete the User's account

11. VIOLATIONS

11.1. 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.

11.2. 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.

11.3. 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.

12. LIABILITY

12.1. You understand and agree that you are using Yepy (free or paid version) and its Services on an ‘as is’ and ‘as available’ basis. You use them at your own discretion. CASHOFF does not take any responsibility for the compliance of the Service with your purposes. The Yepy paid functionality is offered by the Company to the acquisition in the form in which they are available, and is provided by the Company at the time of acquisition, with no guarantees, direct or indirect, provided.

12.2. CASHOFF is not responsible for the Content you created, but it has the right to refuse to post or remove any Content that is available through Yepy. It also has the right to change the form, order and volume of information being posted.

12.3. The information, materials and opinions contained in Yepy are for general information purposes only, should not be construed as legal, accounting, financial or tax advice or opinion on any specific facts or circumstances and should not be relied upon in that regard. The Company reserves the right to correct any errors or omissions in the Services.

12.4. 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.

12.5. CASHOFF ensures Yepy’s functionality and operation, undertakes to promptly restore its operability in the event of technical failures and interruptions. CASHOFF is not liable for temporary interruptions and interruptions in Yepy and its Services operation as well as for the loss of information caused by them. The Company is obliged to take measures within its competence to eliminate as soon as possible any technical failures and errors in the provision of a paid service in the event of their occurrence, regardless of the reasons for their occurrence. At the same time, the Company does not guarantee complete absence of technical errors and failures.

12.6. 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 Yepy or from links posted on them.

12.7. Links

    12.7.1. Yepy may provide links to other World Wide Web sites or resources. Because CASHOFF has no control over such sites and resources, you hereby 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.

    12.7.2. The links or manuals on downloading the files and/or installing third-party programs on Yepy do not mean CASHOFF supports or approves of these actions.

    12.7.3. If you decide to 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 Yepy.

12.8. CASHOFF does not bear responsibility for the correctness of the User's fulfillment of the terms of payment for the Yepy paid functionality, including any financial losses that occurred due to circumstances beyond the control of the Company.

12.9. CASHOFF does not bear responsibility for the impossibility of providing paid functionality to the User for any reasons beyond its control, including disruption of communication lines, equipment malfunctions, non-fulfillment of obligations of suppliers of certain services, etc.

12.10. The total liability of the Company within the framework of the provision of a paid functionality is in any case limited to the funds deposited on the Company's account by the User.

12.11. CASHOFF is exempted from liability for violation of the terms of the User Agreement, if such violation is caused by force majeure circumstances, including: actions of public authorities, fire, flood, earthquake other spontaneous actions, lack of electricity and/or computer network failures, strikes, civil unrest, unrest, any other circumstances, not limited to those listed, which may affect the provision of a paid service.

12.12. The limitation of liability contained in these Terms of Use will apply to the fullest extent permitted by applicable laws.

12.13. The User hereby releases CASHOFF from any liability arising from any Company's delay in performance or non-performance under this Agreement caused by an event of force majeure. Force majeure includes any circumstances that could not be reasonably foreseen or are caused by events beyond Company's reasonable control, including without limitation acts of God, normative acts issued by state or government institutions, strikes, war or any kind of military operations, blockade, epidemics, acts or threats of terrorism, etc.

13. WARRANTIES

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
  • 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
  • you will provide all the information required for the provision of Yepy Services in good faith and will not knowingly, recklessly or carelessly make any misrepresentations or incorrect statements
  • you will comply with any terms and conditions published by CASHOFF from time to time

14. DISCLAIMER

14.1. The information set forth on and the description of services offered through the Yepy 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 set forth in Yepy.

14.2. The Company shall not be held liable for suspensions or failures that cause User's inability to use the Service if such non-compliance or failure took place on account of Force Majeure, i.e. exceptional and unavoidable emergencies, including technical malfunction, software errors, or other circumstances going beyond the will of the parties, which could not have been forecasted or avoided.

14.3. The Company reserves the right to unilaterally cease, alter or temporarily stop Yepy if any of its functions cannot be used as planned, including any reason out of the Company's control which distorts or influences the implementation, security, integrity and Yepy proper functioning.

14.4. The Company may carry out maintenance with a temporary Yepy suspension without prior notice to the User.

14.5. The Company shall not be held liable for any hacker activity aimed at disrupting Yepy normal functioning, while also taking reasonable steps to eliminate errors and vulnerabilities of the service.

14.6. The Company shall not be held liable for connection quality, quality of the internet connection, as well as for the malfunction of the User's internet provider, equipment or software, or other causes beyond reasonable control of the Company as well as for all related negative consequences.

14.7. The Company hereby excludes any liability for the User's loss arising out of virus malware or other malicious software in the hardware and the software that the User utilises to access the system.

15. TERM AND TERMINATION

15.1. This Agreement shall remain valid and applicable to You for so long as You remain a user in good standing of CASHOFF.

15.2. You may terminate this Agreement by deleting your Account at any time by opening the account information tab in your account settings, selecting “delete my account” and ceasing to use Yepy and/or the Services or by contacting our support team. If you require CASHOFF to disconnect your Account, this request will be equated to the request to terminate this User Agreement.

15.3. We may end this Agreement by giving You 30 days notice (using Yepy or by e-mail). 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.

All provisions of the Terms which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity and limitations of liability.

16. AMENDMENTS

16.1. CASHOFF reserves the right to change this Agreement at any time and from time to time to reflect changes in the applicable laws, technical or security requirements, or the Yepy functionality. If CASHOFF decides to change this Agreement in the future, the Company will post an appropriate notice at the top of this page and/or give reasonable advance notice to User through Yepy or by other means (e.g., via email notification). Any non-material change to this Privacy Policy will become effective on the date the change is posted and any material changes will become effective thirty (30) days from their posting on Yepy.

16.2. You may terminate the Agreement as set in paragraph 15.2 if any change proposed doesn’t suit you. User acknowledges and agrees that continuation of Yepy use after the date of changes to this Agreement indicates Users agreement to such changes.

17. SETTLEMENT OF USER CLAIMS

17.1. This Agreement shall be governed by and construed under the laws of England and Wales. The Company and the User will be liable for failure to perform their obligations in accordance with English law.

17.2. Any disputes arising from the execution of the Terms shall be considered in mandatory compliance with the claim settlement procedure. In case of failure to reach agreement and inability to settle the dispute through negotiations the Parties submit to the exclusive jurisdiction of the English Courts.

17.3. If you are a resident of the Russian Federation, one of the Eurasian or CIS countries, should you have any dispute, you can send your claim to our Partners in the relevant region as stated in paragraph 1.3 of this User Agreement.

17.4. In the event the User files a claim occasioned by Bonus reward/writing off as well as with any other claim arising out of the Annex I to the Company, the latter one undertakes to use its best endeavours to pursue the investigation into the claims soonest. In any case and in case of any claim, the Company and Partners or banks' liability under the terms to the User is limited to the Cashback amount or the Subscription cost given the dispute is arising therefrom .

18. FINAL PROVISIONS

18.1. 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.

18.2. 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.

18.3. You agree that CASHOFF may provide notice or other information to you by posting it in Yepy or sending it to the email address listed in your Account. You must have internet access and an e-mail account to receive communications and information relating to Yepy.

18.4. You may terminate your consent to receive required disclosures through email by contacting CASHOFF via its email specified in point 1.5. of this Agreement.

18.5. CASHOFF reserves the right to close your Account if you violate the terms of this Agreement or other additional agreements or the CASHOFF’s Privacy Policy.


ANNEX I – CASHBACK PER ITEM SPECIFIC TERMS OF USE


1. SCOPE

1.1. This Annex I contains specific terms governing your use of Yepy Service “CASHBACK per item” (hereinafter in this Annex I - the Service).

1.2. The Cashback per Item Service makes a certain set of features available for the User.

If you are based in the European Union or the EEA, the list of Cashback per Item features for you is as follows:

If you are based in the APAC region the list of Cashback per Item features for you is as follows:

If you are based in the Russian Federation or one of the Eurasian or CIS countries, the list of Cashback per Item features for you is as follows:

  • Viewing and signing up for Offers to receive cashback per eligible item on a receipt (items participating in Offers are listed in Yepy).
  • Reward issuing for purchasing an offered item
  • Accessing information on purchase itemization (based on receipt or loyalty programme data) from retail stores
  • Accessing information on cashback rewarded for eligible items which match the Offers in the receipts uploaded by the User, as well as viewing the list of previously uploaded receipts and their details
  • Withdrawing the reward to a user's banking card or an e-wallet
  • Viewing and signing up for Offers to receive cashback per eligible item on a receipt (items participating in Offers are listed in Yepy).
  • Reward issuing for purchasing an offered item
  • Accessing information on purchase itemization (based on receipt or loyalty programme data) from retail stores
  • Accessing information on cashback rewarded for eligible items which match the Offers in the receipts uploaded by the User, as well as viewing the list of previously uploaded receipts and their details
  • Withdrawing the reward to a user's banking card or an e-wallet
  • Viewing and signing up for Offers to receive cashback per eligible item on a receipt (items participating in Offers are listed in Yepy).
  • Reward issuing for purchasing an offered item
  • Accessing information on purchase itemization (based on receipt or loyalty programme data) from retail stores
  • Receiving purchase itemisation data from the Federal Tax Service
  • Accessing information on cashback rewarded for eligible items which match the Offers in the receipts uploaded by the User, as well as viewing the list of previously uploaded receipts and their details
  • Withdrawing the reward to a user's banking card or an e-wallet

2. TERMS AND DEFINITIONS

Cashback means Bonuses (bonus points) rewarded by the Company to Users for Purchases they make which are recorded in the Account and paid in cash equivalent according to the procedure described in the Offer Terms and Conditions that are published in Yepy. Cashback is paid to consumers who purchased an item/service for personal, family, household or other use unless those related to entrepreneurial activity. Unless rewarding a Bonus to the consumer for a purchase made, any other use of the website or the mobile application shall constitute a breach of these Terms. The assessment thereof shall be at the Company's discretion.

  • Offers mean campaigns aimed at encouraging User engagement with purchasing items eligible for a reward for reasons contemplated by the Offer Terms and Conditions, with the latest Offers posted in Yepy.
  • Offer Terms and Conditions mean terms and conditions published in the Offers tab in Yepy which set forth Offer details, a list of items/services eligible to participate in the Offer, Offer timescale, Cashback amount to be rewarded and paid for purchasing an item/a service, maximum Cashback amount to be distributed among the Offer participants and other details on the Offer procedure and prerequisites if any.
  • User's Balance means an overall result of all Bonus transactions as of now.
  • Bonus Transaction means a depositing or withdrawal transactions, including bonus direct debits from the User's account which affects the User's Balance
  • Bonus Direct Debit means withdrawal of bonuses which have been previously rewarded to the User Account without reward payment
  • Refundable Transaction means withdrawal and/or depositing Bonuses to the User Account if the User returns the item, given such purchase was eligible for withdrawal and/or depositing the User's Bonuses
  • Bonus Reward eeeee
  • Bonus Withdrawal eeeee
  • Bonuses mean relative value units rewarded to the User Account for purchasing items from retail business establishments. Bonuses are for recordkeeping purposes only and shall not serve as a means of payment
  • Items mean commodity items of the Company Partners which are participating in promotions shown in Yepy. The Company Partners shall be held liable for the quality of products
  • Vendor means legal entities and entrepreneurs who have signed relevant agreements with the Company or its Partners to promote their goods in Yepy by running Offer campaigns for goods/services
  • Purchase means the act of User's purchasing an item on offer which is published in the Offers section in Yepy and serves as a ground for rewarding and paying Cashback pursuant to the Offer Terms and Conditions
  • Retailers/retail stores stand for legal entities (or individuals - entrepreneurs) who sell their products or services
  • Bad Faith stands for User's actions resulting in abuse of their rights under the Terms hereto as well as abuse of the Offer Terms and Conditions. In particular, such actions shall include: purchasing an item for other than consumer purposes, claiming Cashback without making a purchase (including returns of goods after the cashback has been rewarded), creating multiple User Accounts which belong to a single individual, an attempt of repeated cashback claim with the same Receipt
  • Means of verifying the purchase of an offered item:
    • (i) Receipt verification: verifies that something of value has been transferred from one party to another; is issued by a store on paper or electronically and is used to verify a corresponding purchase made by the User (may be provided as a photo of a paper receipt or an e-receipt). If you are based in the Russian Federation, for you can use either a Receipt (a photo of a paper receipt, e-receipt) or its data (a scanned QR code or ID identifiers, Federal Tax Service or Fiscal data Operators data) to verify the purchase of the offered item.
    • (ii) Retailer Loyalty Programme stands for a reward system for the Retailer's regular customers which requires User registration (by creating a personal account in the loyalty programme) and issuance of a loyalty card to identify User's transactions and items purchased from the Retailer, and to provide rewards. If you are based in Russia,the Loyalty programme data (including receipts) can be used by the Company to verify the Purchase of the offered item
  • 3. OFFERS ELIGIBILITY / CASHBACK REWARDING

    3.1. User participation in the Yepy Offers is free of charge.

    3.2. A Participant can be any natural person with full legal capacity who has purchased an item matching the Offer.

    3.3. Given the Purchase of an offered item is verified, the User who has signed up for the Offer can receive and use accrued bonuses, transfer them to get a reward in cash only as set forth in paragraph 3.4 of this Annex I.

    3.4. General Provisions for Bonus Rewarding and Withdrawal

    3.4.1. Having purchased an item at a store, having paid for it and received a receipt with the Purchase details, the User uploads a Receipt (e-receipt, a photo of a receipt, if you are based in Russia, you can also scan QR code inside Yepy, verify purchase with the Federal Tax Sevice and Fiscal Data Operators data,loyalty programme data) in Yepy, enters its details or the details of the loyalty programme to verify that the offered item has been purchased for the price stated which defines the bonus quantity to be paid and the information (on receipt contents and a Purchase transaction) to be shown in the Personal Account. The Bonus quantity to be rewarded for a Purchase of an item is subject to the Offer Terms and Conditions. The Terms for Bonus reward when purchasing an item may vary between Users regions and Vendors i.e. Cashback amounts vary by regions of Yepy use, ways of providing Receipt data (if you are based in the Russian Federation), store and product category, and may contain exclusions in the terms of the offer. Please read these terms carefully. Cashback is earned on your net purchase amount, which excludes taxes, fees, shipping, gift-wrapping, discounts or credits, returns or cancellations, and extended warranties.

    3.4.2. The User qualifies for cashback if they have completed the following:

    • Authorization (before or after the Purchase).
    • Verification of an offered item Purchase by providing a Receipt, its data (by methods applicable for the geographical area of the User) or receipt details or loyalty programme data. The data shall be provided within the term of the relevant Offer. If you are based in the Russian Federation, and use the Federal Tax Service or the Fiscal Data Operators to verify the data, but the Company failed to receive the data from the sources within 30 days, the receipt is deemed unprovided.
    • The Item should match the Offer Terms and Conditions.
    • The promotion timescale is subject to the terms of each Offer.
    • The product must be purchased within the region selected at the registration.

    3.4.3. Cashback is rewarded if the Company has successfully verified the issuance of the Receipt and its item compliance with the Offer Terms and Conditions. The means of the verification are subject to the Company's discretion. The Offers are not available on any second-hand, refurbished or reconditioned stock.

    3.4.4. Proof of purchase should be a legible copy of the retail receipt clearly showing the retailer name, date of purchase, product name and purchase price. In case the data on the Receipt is unreadable or fails to identify whether the purchased item meets the Offer Terms and Conditions (e.g. if the Receipt data does not clearly reflect the item name or category), the Company is entitled to request/clarify the identifiers to ensure that the item meets the terms of the Offer and was purchased in good faith by the User.

    3.4.5. For each of the receipts, the Bonus points can be only awarded once. In case several Users have claimed the same Receipt to the Company, the Cashback will be rewarded to the User who was the first to upload the Receipt.

    3.4.6. Cashback is rewarded within 5 (five) business days (the timescale is subject to the geographical area), however, it may take longer if the Company is dubious about the User's bad faith. Cashback rewarding is exercised by the Company Partner (payment processing company (payments platform)/bank).

    3.4.7. The information about the successfully rewarded cashback will be displayed in the User's Personal Account.

    3.4.8. Accrued Bonuses can be paid to the User in cash by writing off Bonuses and paying the reward in the Personal Account in the currency of the region you selected during the registration to any bank account or e-wallet stipulated in the Personal Account. Bonus conversion (conversion of bonuses into the currency of the region you selected during the registration) to the currency is indicated in the application when referring. The transaction is conducted within 5 (five) business days (the timescale is subject to the geographical area).

    3.4.9. The cashback rewarded cannot be exchanged for cash.

    3.4.10. Where the cashback payment constitutes a taxable benefit, the tax liability lies with the recipient. Accordingly, if your bank charges you, such charges will be deducted by your bank from the cashback amount. In case of termination, you are still liable to us for any financial obligation incurred by you through your use of the Service prior to termination.

    3.4.11. Should the purchaser return the product to the seller, the Participant will not be entitled to claim cashback and any claim will be thereafter dismissed. For the avoidance of doubt, this clause does not prohibit in any way the purchaser’s right to exercise their applicable statutory or warranty rights.

    4. RIGHTS AND LIABILITIES OF THE COMPANY

    4.1. The Company may cease Bonus reward or exchange to cash as well as write off the User's accrued Bonuses without notice in the following cases:

    4.1.1. if the User breaches any terms of User Agreement and its Annexes including this Annex I;

    4.1.2. if the Company receives claims by other Users, Company Vendors and/or third parties about the User's breaching the User Agreement or Annex I terms;

    4.1.3. if any activities prohibited by the applicable legislation are discovered;

    4.1.4. in case of any suspicions of and/or information testifying to fraud commitment.

    4.2. The Company may not reward or may write off Bonuses for Receipts without notice if the item has been returned or the payment has been cancelled; the purchase for the Receipt does not exist; the receipt has been uploaded by a User who abuses their job position, including those who work as a cashier, an employee of a retail enterprise or a shopping unit. This list is not exhaustive and applies to any Purchase if there is any suspicion about the User's bad faith which is to be determined solely by the Company.

    4.3. Bad faith can also serve as the basis for restricting the use of the Yepy for the User, deleting their User account. In case the User Account is deleted due to the User's breaching the Terms, the User may not claim compensation from the Company.

    4.4. The Company may write off Bonuses without notice provided they were wrongly rewarded and if the reward does not meet the Terms. In case the Company Partner Liquidation Process or Bankruptcy has started, the Company may also write off all Bonuses rewarded for purchasing their item without notice.

    4.5. The Company may change or terminate the Offer without prior notice to the User as well as may not reward Bonuses for Receipts provided after its termination. The User should check the terms of the Offer before submitting the Receipt.

    4.6. In case the Offer is terminated either due to the Company Partner's violation of the Agreement signed by the Partner and the Company, the Bonuses received for this Partner's items and registered on the User's balance shall be written off without notice.

    4.7. The Company shall not pay Cashback for the following Purchases:

    • from stores where wholesale is the major or one of the business activities;
    • from online shops which allow online purchase discard after the payment without the item or before the item has been received;
    • in amounts exceeding personal consumption;
    • other Purchases that violate this User Agreement and its Annexes and are aimed at unjust enrichment.

    4.8. The Company reserves the right to verify the eligibility of participants and/or to exclude participants at its sole discretion at any time for any reason. Resellers may not submit claims on behalf of their customers.

    4.9. Fraudulent Activity. Any failure to comply with this Agreement and its Annexes, any fraud or abuse relating to the accrual or withdrawal of cashback or other rewards and bonuses, or any misrepresentation of any information furnished to Company by you or anyone acting on your behalf may result in the termination of your Account and forfeiture of any accrued cashback rewards. If Company has any reason to suspect fraudulent activity is associated with your Account, Company reserves the right to delay or withhold any cashback payment. Any suspected or actual cases of fraud will be escalated and reviewed in accordance with our fraud procedure. Company decisions are final.

    5. RIGHTS, LIABILITIES AND WARRANTIES FOR THE USER

    5.1. The User represents and warrants that they have the legal capacity and are at least 18 years of age.

    5.2. The User shall be liable for maintaining control over their user account and keeping any third parties away from undertaking any activities therein. Any action with regard to the User Account after the authorisation has been successfully completed is deemed taken by the User personally.

    5.3. The User shall pay the fees themselves in respect of registration or authorization in the service, including Internet access, paying for the purchases to accrue Bonuses.

    5.4. In case of any claims or issues, related to bonus accrual or withdrawal, subject to the geographical area, the User is welcome to send the claims to the email stipulated in paragraph 1.1. or 1.3. User Agreement.

    5.5. By using Yepy, the User warrants that the information the User provides is reliable, accurate, correct and up-to-date. In case of a breach of the warranty, the User is fully liable for providing unreliable, inaccurate, incorrect and/or outdated information.

    5.6. CASHOFF shall not be held liable for incorrect, false or unreliable data entered by the User at the registration. The User who entered incorrect, wrong or unreliable data at the registration may be restricted from receiving Bonuses.

    5.7. The User agrees that the Company shall not be held liable if the User was not rewarded or was wrongly rewarded with Bonuses or the User received an incorrect or untimely money transfer due to inaccurate and/or unreliable information provided by the User.

    5.8. The User should notify the Company of any change in their data by updating personal records in the User Account accordingly. Adverse consequences caused by failure to notify of the changes in the data are the User's liability. The Company shall not be held liable for the failure to comply with the undertakings stipulated by the Terms which were caused by the User.

    5.9. The User warrants that the User account has not been deleted, blocked and/or deactivated on account of fraudulent acts; and/or breach of this Terms by the User; and/or breach of the applicable laws by the User before. In case the User violates the warranties, stipulated hereto, the Company reserves the right to refuse the User in the calculation and payment of cashback or to refuse the User's registration and/or delete the User's account.

    5.10. The User shall not:

    • provide incorrect, misleading, fraudulent or forged information on purchasing or paying for the goods.
    • use receipts for Items and services which were not purchased by the User or were returned to the seller to receive Bonuses;
    • use Receipts for Items which have signs of wholesale purchases as a means of receiving Bonuses;
    • upload receipts which have been uploaded before by the User or any third party;
    • create numerous User Accounts to sign up for the Offers;
    • pretend to be someone else or try to get access to the User Account of another individual.
    • harm the Yepy’s functionality or any User by any means, including upload or spread of viruses, advertising software, malicious software, worms or any other malicious codes;
    • use Yepy in violation of the law.

    5.11. The burden of proof that the Bad Faith was not taking place lay with the User.

    6. DISCLAIMER

    6.1. The Company shall not be held liable for any delays in exchange of Bonuses to cash for the User due to the fault of the Company Vendors or the User themselves, including incorrect Receipt upload or receipt data upload to the system. User's claims as to Bonus reward shall be reviewed by the Company upon original receipt provision only.

    6.2. Upon the Company Vendor's failure to perform or nonperformance of its obligations under the agreement with the Company, the Bonuses accrued for purchasing an item of this Partner will be written off without notice.

    6.3. The Company reserves the right to cease, alter or temporarily stop Yepy work unilaterally if any of its functionality cannot be used as planned, including any reason uncontrolled by the Company which distorts or influences the implementation, security, integrity and proper Yepy functioning.

    6.4. In case of suspension or termination of the Service, the Company will not reimburse the remaining points which were rewarded to their internal account by the time of suspension or termination to the Users. The User may not demand any reimbursement from the Company, including in cash.

    6.5. The Company may carry out maintenance with a temporary suspension of Service without prior notice to the User.

    6.6. The Company does not sell or deliver any goods or services. All transactions for purchasing goods or services are done by the User in Retail stores directly. The Company is no party to the process of buying and paying for the goods by the User and is not responsible for it.

    6.7. The Company is not a lending institution (a bank), nor a payment processor and shall not be liable for acts (omissions) of the lending institutions (banks), payment processors or payment services which carry out money transfers to the Users.

    6.8. The Company shall not be held liable for the quality of goods or services purchased by the User. The quality of goods or services is the full responsibility of the corresponding goods manufacturer or the service provider.

    6.9. The Company does not offer warranties for the items (works, services) purchased within the offer period to the User and does not set the guaranteed shelf life (expiry dates) either. The warranties are provided and the guaranteed shelf life (expiry date) is set by the relevant goods manufacturer or service/works provider.

    6.10. The Company shall not be held liable for any hacker activity aimed at disrupting Yepy normal functioning, while also taking reasonable steps to eliminate errors and vulnerabilities of the service.

    6.11. The Company shall not accept any liability for any financial or non-financial loss suffered by the User as a result of using Yepy and Service for any technical malfunctions.

    6.12. The Company shall not be held liable for defects, errors and failures of the software ensuring the functioning of the system as well as in case the User faces temporary lack of access to the software and/or hardware on causes beyond reasonable control of the Company as well as further losses.

    6.13. The Company hereby excludes any liability for the User's loss arising out of virus malware or other malicious software in the hardware and the software that the User utilises to access the system.

    6.14. The Company shall not be held liable for the User for cease or termination of the Offers as well as for any change in the Offer Terms and Conditions introduced by the Vendors.

    6.15. The company shall not be liable for any indirect loss, consequential loss or a lost opportunity of the User, or third party claims occasioned by signing up for the Offers, the Service usage.

    6.16. The Company's liability to you arising out of any infringement of these Terms shall be limited in case of any claim occasioned by cashback reward - rewarding the Bonuses quantity necessary.

    6.17. The Company's inaction in the face of the User's (or Users') violation of any of the Agreement provisions does not deprive the Company of the right to take reasonable action to defend its interests later nor does it mean the Company's rights termination in case of similar or subsequent violations.

    6.18. The Company shall not be liable for any failure to fulfil this Terms where such failure is caused by any supervening circumstances amounting to force majeure (i.e. beyond Company’s reasonable control) and/or events which, without the fault of either party, render performance impossible or incapable of satisfactory execution.


    ANNEX II – DATA AGGREGATION SPECIFIC TERMS OF USE


    1. SCOPE

    1.1. This Annex II contains specific conditions governing your use of Yepy Data Aggregation (hereinafter in this Annex II - the Service).

    1.2. The Yepy Data Aggregation makes a certain set of features available for the User.

    If you are based in the European Union or the EEA, the list of Cashback per Item features for you is as follows:

    If you are based in the APAC region the list of Cashback per Item features for you is as follows:

    If you are based in the Russian Federation or one of the Eurasian or CIS countries, the list of Cashback per Item features for you is as follows:

    Yepy Data Aggregation Software Interface connects to APIs offered by account information and payment service providers or other financial services providers, for the purposes of enabling Yepy Users to connect one or more their accounts held with a payment services provider or other financial services provider to Yepy to offer Users the features specified bellow:

    • View the list of banking products.
    • View the transaction history of banking products.
    • Upload data from the Personal Account with a bank, a telecom provider, an e-wallet;
    • View the list of banking products.
    • View the transaction history of banking products.

    Upload data from the Personal Account with a bank, a telecom provider, an e-wallet, a pension fund:

    • View the list of banking products, pension savings
    • View the transaction history for the banking products

    1.3. The Data Aggregation Service ensures the qualitative rendering of the Data Analytics, Budget and Goals and Cashback per Item Services (see Annex I and Annex III).

    2. TERMS AND DEFINITIONS

    Personal Account with other institutions means an interface of an institution which enables the User to access the data of a third-party institution (a lending institution, a telecom provider, an e-wallet personal account) and utilize it.

    Lending institution means a legal entity that engages in revenue-making as the main goal of its business and is qualified (licensed) to conduct banking transactions.

    3. USE OF THE DATA AGGREGATION SERVICE

    3.1. In order to start using the Service, the User shall:

    3.1.1. Sign in the Yepy through his/her personal account by using login credentials.

    3.1.2. Georgraphics-wise, please secelt one of the following:

    If you are based in the EU or the EEA memberstate:

    If you are based in APAC, the Russian Federation, Eurasia or CIS countries:

    • Select a lending institution from the list suggested by the Company, where the User has an account/card. Give this lending institution consent to receive certain data by the Company using API (API consent).
    • Select other institutions (a telecom provider, an e-wallet), the transactions and data of which the User may need to test and utilize other Services of the Company.
    • Select a lending institution from the list suggested by the Company, where the User has an account/card. The Customer uses Yepy to authorise in their personal account with the selected lending institution by entering their authorisation credentials (the login and password from their personal account with the third-party lending institution) and, if necessary, an SMS code to allow the upload of financial data on the Customer's accounts and other products.
    • Select other institutions (a telecom provider, an e-wallet), the transactions and data of which the User may need to test and utilize other Services of the Company.
    • You can use Yepy to authorise in your personal account with the account of loyalty program by entering authorisation credentials (the login and password from their personal account with the third-party loyalty programm institution).

    3.2. The User Authorisation in the Personal Account of a lending institution or API consent provision as well as of other institution through Yepy will be deemed User's consent to provide the information on User's accounts and other products in their personal account of the third-party lending institution that is necessary for the functioning of the Service to the Company and the confirmation that the User has read and agreed to the User Agreement and its Annex II.

    4. USER'S RIGHTS, LIABILITIES AND WARRANTIES

    4.1. The User shall be solely liable for the accuracy of data they enter when using the Service as well as for the data compliance with the applicable laws, including liability for third parties in case the User enters the data that does not relate to them directly (for example, third-party data) or violates the rights or the legitimate interests of third parties.

    4.2. The User shall be solely liable in the face of third parties for their actions regarding the use of the data obtained through the Service, including if such actions will lead to violation of rights and legitimate interests of third parties, as well as for law compliance when using the Service.

    4.3. The User undertakes to take all reasonable measures to prevent any unauthorized access of third parties to the data related to the Service.

    4.4. The User shall be liable for maintaining control over their user account and keeping any third parties away from undertaking any activities therein. Any action with regard to the User Account after the authorisation has been successfully completed is deemed taken by the User personally.

    4.5. When using the Service, the User shall not:

    • use personal account credentials of others in a third party lending institution without appropriate entitlement to do so;
    • unauthorisedly collect and store data including account data and personal data of other individuals;
    • interfere with the normal operation of the Service;
    • assist actions aimed at violating limitations and prohibitions set by the Terms;
    • use any other means to breach the legislation, including international law.

    ANNEX III – Data Analytics, Budget, Goals Specific Terms of Use


    1. SCOPE

    1.1. This Annex III contains some descriptive provisions about Yepy Data Analytics, Budget, Goals Service (hereinafter in this Annex III - the Service) and its rendering in respect of subscription described in paragraph 5.3. User Agreement.

    1.2. In order to start using the Service, the User shall:

    • Sign in Yepy through their personal account by using their login credentials.
    • Read through the User Agreement and the Privacy Policy beforehand.
    • Pay for the Subscription as specified in paragraph 5.3. User Agreement.

    1.3. Yepy Data Analytics, Budget, Goals Service relies on the data provided by the User while using Yepy's Data Aggregation, as well as Yepy's CASHBACK per item and enables the User to view the analytics across data from the above-mentioned Services (purchases, expenses, finances), view reports on expenses and income, budget planning suggestions. There are the following features:

    If you are based in the European Union or the EEA, the list of Data Aggregation features for you is as follows:

    If you are based in the APAC region the list of Data Aggregation features for you is as follows:

    If you are based in the Russian Federation or one of the Eurasian or CIS countries, the list of Data Aggregation features for you is as follows:

    • Analytics and Reports: categorised charts for income and expense, merchants, days, automatic transaction break-down into categories and merchants;
    • Receive personal cashflow-based advice: suggestions on direct debit opportunities for services and goods;
    • Use money-flow management tools, budget and goals - calculations and indications upon completion;
    • View budget and goal reports, balance and payment source charts, categorised income, etc.
    • Receive personal cashflow-based suggestions:
    • View analytical reports/charts/graphs on balance/expense/income divided into categories varied by date, location, time and period;
    • View, create, delete, alter data on cash, budgets, financial goals.
    • Analytics and Reports: categorised charts for income and expense, merchants, days, automatic transaction break-down into categories and merchants;
    • Receive personal cashflow-based advice: suggestions on direct debit opportunities for services and goods;
    • Use money-flow management tools, budget and goals - calculations and indications upon completion;
    • View budget and goal reports, balance and payment source charts, categorised income, etc.
    • Receive personal cashflow-based suggestions:
    • View analytical reports/charts/graphs on balance/expense/income divided into categories varied by date, location, time and period;
    • View, create, delete, alter data on cash, budgets, financial goals.
    • Analytics and Reports: categorised charts for income and expense, merchants, days, automatic transaction break-down into categories and merchants;
    • Receive personal cashflow-based advice: suggestions on direct debit opportunities for services and goods;
    • Use money-flow management tools, budget and goals - calculations and indications upon completion;
    • View budget and goal reports, balance and payment source charts, categorised income, etc.
    • Receive personal cashflow-based suggestions:
    • View analytical reports/charts/graphs on balance/expense/income divided into categories varied by date, location, time and period;
    • View, create, delete, alter data on cash, budgets, financial goals.

    Privacy Policy

    General provisions

    CASHOFF LIMITED (hereinafter, CASHOFF) is a legal entity registered under English law, namely Companies Act 2006 and The Companies and Limited Liability Partnerships Regulations 2016. CASHOFF is located at Level39, One Canada Square, Canary Wharf, London, United Kingdom, E14 5AB, e-mail: help@yepy.com(our contacts).

    When we refer to our name “CASHOFF” or “we”, “us” or “our” in this Policy, we are referring to the CASHOFF LIMITED.

    “User,” “you”, “your” or a “ data subject” means any person who is registered on the website yepy.com or is using the Service, entered into User agreement and who has the Internet access.

    Our service is provided at yepy.com and associated mobile applications. We provide You with the ability to participate in loyalty programmes, receive cashback remuneration and manage your purchase details and to analyze your banking information.

    DEFINITIONS AND INTERPRETATIONS

    “Account” means a User Account.

    “Content” means any information, data, texts, messages and other materials posted on the Site.

    “Login” means the 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 identity or authority, used to protect information from unauthorized access.

    “Mobile App” means the application on a mobile device that enables a User to undertake certain activities under CASHOFF Account using that mobile device.

    “Services” mean a set of software and hardware and its updates determined by CASHOFF.

    “Website (site)” means the URL such as https://yepy.com/.

    1. Purpose of this privacy policy

    1.1. The Privacy Policy describes the information collected by CASHOFF (hereinafter, CASHOFF), purposes, ways of data collection, use and transfer thereof, rights and obligations of Users’ providing information to CASHOFF. This Privacy Policy applies when individuals (hereinafter, Users) provide CASHOFF with personal data using the CASHOFF website: yepy.com (hereinafter, the Site), CASHOFF mobile applications (hereinafter, mobile applications), CASHOFF Services (hereinafter, the Services) and other online products and services where Users communicate with CASHOFF. CASHOFF provides its services to eligible persons aged 18 years old and above only. CASHOFF does not collect or use any information from children.

    1.2. By using CASHOFF Services, the User agrees to this Privacy Policy and its conditions on processing of personal data and other information; if you disagree with these terms and conditions or any part of these terms and conditions, you must not use our Service.

    1.3. CASHOFF’s websites or mobile applications may contain links to websites operated by other organizations that have their own privacy policies. Users shall get through the terms and provisions of their privacy policies before providing personal data as CASHOFF shall not be held responsible for the websites of other organizations.

    1.4. From time to time, we may change the provisions of this Privacy Policy. We encourage you to review the Privacy Policy regularly to stay informed about our information practices and the ways you can help protect your privacy.

    2. Legal basis

    2.1. This Privacy Policy (hereinafter, the Policy) is the basis for the personal data process. It is based on the rules of current legislation on the protection of personal data, in particular 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 (hereinafter, Regulation (EU) 2016/679) and Data Protection Act 2018.

    3. Information which we may collect:

    3.1. This section tells you what personal data we may collect from you when you use our Services. You may provide us with:

    - Registration Information: the information required for the registration on the Website provided by the Users: email address and password;

    - Account and Transactional Information: When you add accounts to our service, we may access, store and process your Account Information held by your account provider. Account Information includes, for example, your account details, account transaction information, account features;

    - Technical Information: when you browse our website, we automatically collect some technical information about your visit to our website, including, but not limited to, the IP address used to connect your computer to the internet, your browser type and version and your browser plug-in types and version. The data is automatically received by the http server during the Services access and subsequent User’s actions (the type of the User's operating system, the Site pages visited by the User);

    - Information obtained automatically: Information obtained automatically when you access the Services (cookies: see our Cookie Policy);

    - Customer Testimonials: this could include your name, social media handle and/or any testimonial, review or other comment on our products or services that you choose to provide to us;

    - Information provided by Users using the editing section of their Website Account;

    - Additional information provided by the Users at the request of the CASHOFF in order to fulfil the CASHOFF’s obligations to the Users.

    3.2. All the types of data mentioned in this section are depersonalised and kept in anonymized form according to the requirements of the current legislation. The data provided by the User is stored until the goals for which such data were collected are fulfilled. The data is removed if its storage is not required to meet legal or regulatory requirements, and to protect the interests of CASHOFF.

    3.3. The above mentioned data will not be retained by CASHOFF for longer than necessary in accordance with applicable laws. In any case, our Policy is to remove all inactive contacts after 3 (three) years of no contact. An email is sent to the inactive contact to ensure the contact doesn’t exist anymore or doesn’t reply. If no reply within two weeks, CASHOFF removes all information about this individual from its database.

    3.4. Where we anonymise your personal data (i.e. so that it can no longer be associated with you) for further research or statistical purposes, we may use this information indefinitely without further notice to you.

    4. The data process

    4.1. CASHOFF guarantees that the personal data provided by the Users is processed lawfully, fairly and in a transparent manner. The data is collected for specified, explicit and legitimate purposes and not further processed in a manner that is incompatible with those purposes; processed in a manner that ensures appropriate security of the personal data, including protection against unauthorised or unlawful processing and against accidental loss, destruction or damage, using appropriate technical or organisational measures; kept in a form which is necessary for the purposes for which the personal data are processed for the period necessary for the purposes regarding their processed.

    4.2. User consent and Purposes of the data process

    4.2.1. The data process is based on the User consent, registration on the Site and an account creation at yepy.com websites or mobile applications, which means the consent and acceptance of the Privacy Policy terms.

    4.2.2. Where we are relying on consent to process your personal data you can withdraw your consent at any time. Please note that this will not affect the lawfulness of any processing carried out before you withdraw your consent.

    4.3. How We Use Your Data

    We use the Personal Data that we collect to operate, improve, and personalize the Website and services including to provide customer service, customize our marketing, to detect, prevent and mitigate fraudulent or illegal activities. You agree that we may use your Personal Data as follows:

    - to fulfil the contract’s obligations (to provide you with the services described in the User Agreement, for details see the User Agreement );

    - to improve the quality of the Services, to develop new Services;

    - to provide users with advertising and direct marketing that is more relevant to you;

    - to hold statistical and other studies based on the Users impersonal data;

    - to provide Users with information of potential interest (on goods or services);

    - to communicate with the User, including sending notifications, requests and information to the User’s email regarding the use of the Services, the provision of services, as well as to process requests from Users;

    - to communicate with you, either via email, telephone, or otherwise as authorized by you to inform you about the Services, Conferences, Events, etc..

    - to comply with legal obligations;

    - to protect the vital interests of the data subject or another individual;

    - to perform the tasks in the state interests;

    - for the purposes of ensuring the CASHOFF legitimate interests or of a third party, unless such interests overlap with the interests or fundamental rights and freedoms of the data subject.

    - for customer service, security, to detect fraud or illegal activities, or and for archival and backup purposes in connection with the provision of the Services;

    - to operate, improve and personalize the services we offer, and to give each user a more consistent and personalized experience when interacting with us;

    - for any other purpose with your consent.

    4.4. If the purposes for which CASHOFF processes personal data do not require data identification, it is not obliged to save, receive or process additional information to establish the identity of the data subject. Information on data analysis and statistical information are in anonymous form.

    4.5. CASHOFF may place relevant advertising targeted in accordance with non-identifying information, such as browser type, region, which is determined based on information about the User’s network address on the Internet, as well as Services use.

    4.6. The CASHOFF may use Your email address to contact for changes regarding your account and the Services.

    4.7. How is your personal data collected?

    We use different methods to collect data from and about you including through:

    - Direct interactions. You may give us your personal data by email, by phone, by post or otherwise. This includes personal data you provide when registering to use our service.

    - Automated technologies or interactions. As you interact with our website, we may automatically collect Technical data about your equipment, browsing actions and patterns. We collect this personal data by using cookies and other similar technologies. Please see our Cookie Policy.

    - Third parties or publicly available sources. We may receive personal data about you from various third parties and public sources, for example, analytics providers such as Google.

    4.8. Terms of the User Information Process

    4.8.1. User data is collected on the site or by means of the mobile application at the User’s registration, and later when the User adds the information about himself/herself using the Services. Data listed in article 3.1. of this Privacy Policy concerning Registration Information is the minimum data required.

    4.8.2. User data is kept on electronic media and processed automatically, except the cases where non-automated data processing is necessary in accordance with the requirements of the current legislation.

    4.8.3. User data is not transferred to any third parties except as expressly provided for in this Privacy Policy or in the current legislation. Having the User’s consent or specification it is possible to transfer user data to the third parties who are counterparties of CASHOFF if such counterparties assume obligations to ensure the confidentiality of this information.

    4.8.4. User data is removed:

    - when the User deletes his/her data from the Account;

    - when the Administration of the Service removes the User’s information as well as the User account in the cases established by the User Agreement.

    4.8.5. In case of User’s self-deletion of the Account, the CASHOFF keeps the User’s data on its electronic media for 210 days from the moment the account deletion. The data are removed after 210 days from the date of the account deletion. The User has the right to restore their account before the expiration of the specified period.

    4.9. How do we share information with the third-parties?

    4.9.1. CASHOFF has the right to transfer User’s information to the third parties in the following cases:

    - the User has given their consent to such actions;

    - the transfer is necessary to perform contract obligations;

    - the transfer is necessary for the conclusion or performance of a contract in the interests of the data subject;

    - the transfer is required for Services use or for the provision of services;

    - the transfer is necessary for important reasons of public interest;

    - the transfer is necessary for the establishment, exercise or defence of legal claims;

    - the transfer is necessary in order to protect the vital interests of the data subject or of other persons, where the data subject is physically or legally incapable of giving consent;

    - the transfer is stipulated by the current legislation in the framework of the procedure established by law, including court orders or other procedural documents;

    - the transfer takes place within the framework of negotiating on sale or other business transfer (in whole or in part) and all this Privacy Policy obligations are transferred to the host party;

    - in order to ensure the CASHOFF’s rights or third parties interests in case of User violation the User Agreement;

    - in order to provide access to internal systems containing the data to improve the quality of the Services, including, but not limited to, third-party service providers, contractors and vendors.

    4.9.2. CASHOFF will not sell your data or disclose your data to any third party for any purpose other than as set forth above.

    5. Data protection measures

    5.1. We take steps to ensure that your information is treated securely and in accordance with this Privacy Policy. We maintain technical, physical, and administrative security measures designed to provide reasonable protection for your Personal Data against loss, misuse, unauthorized access, disclosure, and alteration. The security measures include firewalls, data encryption, physical access controls to our data centres, and information access authorization controls. While we are dedicated to securing our systems and Services, you are responsible for securing and maintaining the privacy of your password(s) and Account/profile registration information and verifying that the Personal Data we maintain about you is accurate and current. We are not responsible for protecting any Personal Data that we share with a third-party based on an account connection that you have authorized.

    5.2. Technical security measures

    5.2.1. CASHOFF takes all sufficient and necessary organizational and technical measures to protect the User’s information from illegal or accidental access, destruction, alteration, blocking, copying, distribution, as well as from other illegal actions of third parties. The CASHOFF implements:

    - the development of the personal data protection system based on the threat model for the corresponding class of information systems;

    - the performance verification use of the information security tools;

    - the permissive system implementation for the access to information resources;

    - the registration and records of actions of personal data information systems Users;

    - the implementation of antivirus control, preventing the introduction into the corporate network of malicious programmes (virus programmes) and software bookmarks;

    - the accounting of the information protection means, operational and the accounting of technical documentation.

    5.2.2. CASHOFF uses a login (email address) and password to provide User with an authorized access to the Services. The User shall not transfer his own login and password to the third parties and is also obliged to take measures to ensure their confidentiality.

    5.2.3. Using his/her Account and providing the data, the User agrees that CASHOFF may send him/her emails regarding security, confidentiality and other administrative requests.

    5.2.4. CASHOFF uses TLS to protect data transmission, encrypts and pseudonymizes personal data, it ensures and maintains confidentiality, integrity, availability and stability of the data process.

    5.2.5. CASHOFF ensures timely access restoration to personal data in case of loss, conducts testing and evaluates performance on security processing, Server security checks and updates.

    5.2.6. If any breaches of the security system are discovered, CASHOFF shall notify the Users via e-mail so that the Users can take the necessary safeguarding measures.

    5.2.7. The User may send CASHOFF their comments and questions as to the service and security provision to the e-mail stipulated in this Policy General Provisions.

    5.3. Internal control

    5.3.1. CASHOFF analyses data processing activities against good faith criteria and provides additional guarantees on personal data processing.

    5.3.2. CASHOFF will:

    - inform the User on personal data breach as well as on altering or erasure of personal data or suspension of its processing.

    - provide the User with information relating to them as a data subject;

    - confirm personal data processing and grant the corresponding admission;

    - amend the data accordingly if required by the data subject;

    - remove personal data due to the absence of demand and upon expiration of the retention period.

    6. Rights of the data subject and website terms and conditions

    6.1. When providing the services at the Website, CASHOFF, acting reasonably and in good faith, shall assume that the User:

    - has all the rights necessary to register and use the Services;

    - delivers the reliable information about themselves in the amounts necessary for the Service usage;

    - is aware that the personal data in the Services posted by the User is only available for the User and cannot be looked through, copied and spread among other Users and/or third parties;

    - has duly read this Policy, agrees to it and accepts the rights and responsibilities stated therein.

    6.2. CASHOFF does not verify the correctness of the data received (aggregated) about Users, apart from cases when such verification is necessary for CASHOFF to fulfil its obligations to the User.

    6.3. CASHOFF neither control nor is liable for websites of third parties available in the service that the user may follow the link to. Such websites may gather or request other personal information or perform any other actions.

    6.4. CASHOFF does not verify the correctness of the data provided by Users, nor does it control their legal capability. Nevertheless, the CASHOFF presumes that the User provides reliable and sufficient information when filling in the registration form and keeps it up-to-date.

    6.5. The data subject is liable to:

    - access their personal data subject to processing.

    - request for personal data erasure (the right to be forgotten);

    - request for personal data rectification;

    - request for confirmation of personal data processing;

    - lodge a complaint with a supervisory authority (the Information Commissioner's Office - the ICO - in the UK). However, if you do have a complaint, we would appreciate the chance to deal with your concerns first, so please do contact us in the first instance.

    6.6. The User is eligible to submit their requests to CASHOFF, including requests about their data usage in writing to the following address: Level39, One Canada Square, Canary Wharf, London, United Kingdom, E14 5AB, or a soft copy to the e-mail below: help@yepy.com. You can also complain about our processing of your personal information to the relevant data protection authority.

    6.7. CASHOFF will consider and reply to the request received from the User within 30 days from receiving the request.

    6.8. All the correspondence received from users (hard or soft copies of the requests) is treated confidentially and will not be disclosed without the User's consent.

    7. Termination

    7.1. If the User violates any of the CASHOFF's terms or standards, the CASHOFF reserves the right to terminate access to the services provided by CASHOFF, suspend or delete the personal account as well as all the corresponding information and files in the personal account and/or block access to any of those files or services.

    7.2. If and when CASHOFF considers necessary to protect its Service security or welfare, the Administration is eligible to terminate the User's account.

    8. Privacy policy Amendment

    8.1. CASHOFF may change this Privacy Policy. If amended or updated, the latest version will be dated accordingly. The updated Privacy Policy shall take effect when posted unless otherwise provided by the updated Privacy Policy. The latest version thereof is always on our website.