Refund & Returns Policy

Users do not purchase points or rewards from Earn with cash, credit, debit, or any other form of monetary consideration. Points are awarded as a promotional incentive in connection with the activities outlined above and have no independent cash value, no fair market value, and no monetary equivalent. Because no purchase transaction occurs, traditional refund mechanisms applicable to consumer goods or services do not apply.

Each digital gift card issued through the Earn platform consists of an alphanumeric code (and, where applicable, an associated PIN) issued by a third-party merchant or its processor. These codes function as bearer instruments: any person in possession of the code can apply, redeem, or otherwise use the underlying value at the issuing merchant. Earn cannot retrieve, invalidate, or reverse a code once it has been displayed or transmitted, because the code is at that point in the custody and control of the bearer.

Gift cards delivered through the Earn platform are issued by independent third-party merchants and are subject to those merchants’ own terms, conditions, expiration provisions, balance-disclosure rules, and consumer-protection commitments. Earn acts solely as a facilitator of the redemption transaction and is not the issuer of the gift card. Once a code is delivered, all post-delivery obligations — including, without limitation, redemption, balance inquiries, replacement of lost or stolen codes, and dispute of merchant-side errors — rest with the issuing merchant.

If the user can demonstrate, through Earn’s internal logs or independent corroborating evidence, that no gift card code was generated, displayed, or successfully transmitted as a result of a verifiable failure of Earn’s systems or those of its delivery vendor — and the user has not received and is not in possession of any usable code — Earn may, at its election, restore the affected points to the user’s account or arrange for a substitute redemption.

If the issuing merchant confirms in writing that the specific code delivered to the user was non-functional at the moment of delivery — meaning the code was never validly activated, was issued in error, or had been previously redeemed by another party prior to issuance to the user — Earn will work in good faith with the issuer to obtain a replacement code or, where that is impracticable, restore points to the user’s account.

If a redemption was initiated by an unauthorized third party who obtained access to the user’s account without the user’s knowledge, consent, or negligent contribution, and the user reports the unauthorized activity to Earn within seventy-two (72) hours of its occurrence, Earn will conduct an investigation and may, where the facts support it, restore points or arrange for a replacement reward. Restoration is not guaranteed and is conditioned on the user’s full cooperation with Earn’s security team.

In the rare event that Earn’s pricing or denomination engine displays a manifestly incorrect point cost, denomination, or merchant association at the moment of redemption — and the user could not reasonably have been unaware of the error — Earn reserves the right to void the affected redemption, restore the original point balance, and decline to deliver the erroneously listed reward, all without liability. This provision exists to protect the integrity of the rewards economy and is not intended to disadvantage users acting in good faith.

All reports must be submitted within seventy-two (72) hours of the redemption event for unauthorized-access claims, and within fourteen (14) calendar days for delivery-failure or issuer-defect claims. Reports submitted outside these windows will be reviewed only at Earn’s sole discretion and only where compelling extenuating circumstances are documented.

Each report must include, at minimum: (i) the email address associated with the user’s Earn account; (ii) the date and approximate time of the redemption; (iii) the merchant and denomination redeemed; (iv) the redemption identifier or order reference, if available; (v) a clear, factual description of the issue and the requested remedy; and (vi) any supporting screenshots, error messages, or correspondence from the issuing merchant. Incomplete reports may be denied or deferred pending receipt of complete information.

Reports may be submitted by emailing [email protected] with the subject line “Redemption Issue — <Order Reference>.” Please retain a copy of your submission and any acknowledgment received from Earn for your own records.

Earn will acknowledge receipt of a complete report within five (5) business days. Acknowledgment is not an admission of liability or a determination on the merits of the claim.

Earn will, in good faith, complete its investigation within thirty (30) calendar days of acknowledgment, except where third-party issuers, payment processors, or law-enforcement agencies are involved, in which case the timeframe may be extended for as long as reasonably necessary to obtain the required information.

Upon conclusion of the investigation, Earn will communicate its determination in writing. Where Earn determines that a Limited Exception applies, the available remedies are limited to (a) restoration of the user’s point balance to the state immediately prior to the affected redemption; (b) issuance of a replacement gift card of equivalent denomination and merchant, subject to availability; or (c) such other remedy as Earn deems equitable in the circumstances. Cash refunds, monetary compensation, consequential damages, and incidental damages are categorically unavailable.

Earn’s determination is final, binding, and not subject to further internal review, except to the extent applicable law mandates an additional appeal mechanism. Nothing in this Policy is intended to limit or waive any right the user may have to pursue dispute resolution under the Governing Law and Dispute Resolution provisions of our Terms and Conditions.