COINCOME General Terms of Use

1. Service License

Subject to this Agreement, COINCOME hereby grants you a revocable, non-exclusive, non-transferable license (without the right to sublicense) to access and use the COINCOME Platforms and the Services solely for your personal use. You agree that you obtain no rights other than the rights and licenses expressly granted under this Agreement. COINCOME reserves the right to change, upgrade or discontinue any or all of the Services or the COINCOME Platforms or any feature of the Services or the COINCOME Platforms, at any time, with or without notice. All rights not expressly granted under this Agreement are reserved by COINCOME and its licensors.

2. COINCOME Account

Some of the Services require the user to maintain an account with COINCOME. A user may create an account free of charge by providing the relevant details requested for. Use of the account and the Services (including the opportunity to earn cashback) are offered at the sole discretion of COINCOME and subject to your compliance with this Agreement.

An individual shall not create or have control and/or custody over multiple COINCOME accounts. In particular:

(a) Each mobile number may only be linked to one COINCOME account;

(b) Each payment account (e.g. each bank account; each paypal account) may only be linked to one COINCOME account.;

A failure to abide by any terms and conditions, any fraud or abuse relating to the accrual or receipt of cashback and/or other rewards, and/or any misrepresentation of any information furnished to COINCOME or its affiliates may result in your COINCOME account being flagged for suspicious activity and suspended or terminated and any cashback accumulated being forfeited.

You are responsible for regularly checking your account to ensure cashback has been properly credited and that your account balance is up to date. You must notify COINCOME of any omissions, incorrect entries or discrepancies concerning any transaction within 30 days after that transaction. COINCOME reserves the right not to correct any omissions, incorrect entries or discrepancies brought to its attention after the 30-day period.

3. Earning Cashback

Among services offered by COINCOME is the opportunity to earn cashback on purchases made at our various merchant partners through our various COINCOME Platforms. Creating and maintaining an account with COINCOME is required before a user can start earning cashback. Crediting of cashback is also subject to the various terms, conditions and requirements, express or implied, associated with the crediting of cashback in general or terms, condition and requirements associated with the individual promotions that would be applicable. These terms, conditions and requirements include but are not limited to:-

(c) Requiring the user to have cookies enabled throughout when accessing the COINCOME Platforms and subsequently the merchant partner’s website;

(d) Not opening a separate tab or browser while accessing the COINCOME Platforms and subsequently the merchant partner’s website;

(e) Ensuring that after being redirected to the merchant partner’s website, the user completes the transaction before proceeding to any other website;

(f) Completing the purchase on the merchant’s website within a given period of time;

(g) Not engaging in any fraudulent or dishonest conduct and/or abiding by the terms of this Agreement or any other terms and conditions stipulated by COINCOME or the applicable merchant partner;

In addition, certain purchases may be excluded from cashback. In general, cashback is earned on net purchase amount excluding shipping and handling. However, cashback amounts and exclusions vary from merchant partner to merchant partner and individual promotions may contain specific exclusions. Please review these terms carefully. These exclusions are subject to change without notice, and COINCOME hereby disclaims any and all liability in connection with any incorrect information or failure to include information on the list of exclusions. Some examples of typical exclusions include (but are not limited to):

((a) Cashback not being eligible when purchasing promotional items or using other discount codes, coupons or other promotions;

(b) Cashback only being eligible when the transaction is completed using specified payment methods; and

(c) Different tiers of eligible cashback for different users (e.g. different tiers of cashback for new users and existing users)

4. Merchant Partner Policies

Any products or services purchased from any merchant partner, whether through COINCOME or otherwise, is governed by and subject to the applicable merchant partner’s policies and terms and conditions, including but not limited to the applicable return, cancelation, exchange, and shipping policies. You agree that we are not agents of any merchant partner and that the merchant partner operates independently and not under our control. Accordingly, your participation in offers or promotions of, or correspondence with, any merchant partner is solely between you and that merchant partner. We do not assume any liability, obligation or responsibility for any part of such correspondence, offer or promotion, including, without limitation, the withdrawal or modification of any such offer or promotion. COINCOME is not responsible for changes to, or discontinuance of any merchant partner from any of COINCOME’s platforms or the termination of any promotion offered by any merchant partner on any of COINCOME’s platforms, or for any effect on accrual of cashback caused by such changes, discontinuance, or withdrawal. COINCOME assumes no responsibility and shall not be liable for any content, product and/or services on the merchant’s platforms (including but not limited to the quality, merchantability or fitness of such products or services or that such content, product and/or services does not breach any laws or regulations).

5. Top-ups and Deductions

COINCOME reserves the right from time to make top-ups and deductions from the balance in a user’s account where it is necessary, reasonable, or expedient to do so. This includes (but is not limited to) situations where cashback has been incorrectly credited into a user’s account and/or where a user is found to have acted fraudulently, dishonestly, or in contravention of the terms of this Agreement.

6. Redeeming Cashback

You may redeem your cashback at any time subject to the terms and conditions of this Agreement or the specific conditions that relate to the individual entries in your account. You must have accumulated cashback relating to a dollar value more than or equal to the minimum redemption amount indicated and communicated from time to time. In order to redeem your cashback, you must maintain an active account and provide the minimum relevant information required to process the redemption (e.g. a valid bank account number or a Paypal account).

For security purposes, redemption of cashback is limited to Singapore Dollars S$300 per 24h period.

7. Nature of Cashback

For the avoidance of doubt, you do not gain any proprietary right over any monies or assets held by COINCOME when you earn cashback in your account. The cashback accrued in your account does not constitute monies held on trust by COINCOME for your benefit. Your rights and entitlements are solely limited to such personal or contractual rights of repayment as may arise out of this Agreement.

8. Termination of Account

The Cashback accumulated in your COINCOME account shall expire if your account remains inactive (i.e. no successful transactions are made through COINCOME) for a period of more than a year.

COINCOME reserves the right to suspend or terminate your account in accordance with Clause 13 below or where it is necessary or reasonable to do so in order to comply or satisfy any law, regulation or court order.

9. Personal Data Protection

Personal Data collected is subject to our Privacy Policy, which is hereby incorporated by reference, and copy of which is located on COINCOME’s website.

10. Bonuses and Reward

COINCOME periodically offers bonuses or rewards for performing certain actions (such as referring new users to COINCOME). The terms and conditions accompanying such offers will govern how they are earned and paid. You are prohibited from bidding on keywords containing “COINCOME” or other similar words or marks for the purpose of driving traffic to your page. You shall not send any paid traffic directly to your referral link. You may not include your referral link or distribute your referral link on any website or platform that does not belong to you, such as social media pages belonging to merchants or forum pages belonging to third parties.

11. Taxes

You are responsible for any and all taxes that may apply to amounts earned from cashback you have redeemed. COINCOME makes no representation as to the tax treatment of such amounts.

12. Fraud

COINCOME may suspend or terminate your account if it has reason to believe are involved in any fraudulent or dishonest activities. Any failure to comply with this Agreement, any fraud, dishonesty or abuse relating to the use of the services or your account, or any misrepresentation of any information furnished to COINCOME or its affiliates by you or anyone acting on your behalf may result in the termination of your account and forfeiture of your accrued cashback rewards.

13. Exclusion of Anti-social Forces, foreign PEPs and US FATCA applicants

In the event that a customer corresponds to any of the following persons, subsequent use will be suspended and notification must be made to the Company immediately by a method specified by the Company. The same will apply in the event that the Company obtains information that is sufficient for objectively determining that a customer corresponds to one of the following.

1. Persons who have come to correspond to anti-social forces, etc.

2. Persons who have come to be in possession of the proceeds of crime or persons who have been found to have held such proceeds after opening an account

3. Persons who have been sentenced to imprisonment or greater punishment

4. Persons who correspond to foreign PEPs (Politically Exposed Persons)

5. Persons who correspond to a Specified U.S. Person

6. Persons who have come to hold a U.S. taxpayer ID

7. Persons who have come to stay in, be located in, live in, or reside in a country or region subject to OFAC regulations

8. Persons who are subject to SDN listing

9. Persons who have come to stay in, be located in, live in, or reside in a country or region subject to FATF declarations

Upon receiving a notification in accordance with the preceding paragraph, the Company will promptly conduct an individual investigation of facts for each customer concerned, and will confirm the subsequent response. In this case, a considerable number of days may be required to confirm the response.

In the event that provision of service is suspended due to a customer corresponding to any of the preceding items, the Company will bear no liability for any lost profit or lost opportunity incurred by the customer.

14. Third Party Rights

A person who is not party to this Agreement has no rights to enforce any terms of this Agreement.

15. Communications

By becoming a COINCOME user, you agree to receive communications that are account and user related (e.g. that we’ve added cashback to your account, that we have paid out money to your bank account) as well as periodic shopping related e-mails that highlight coupons or special deals available to COINCOME users. We may communicate with you regarding your account by electronic communications or direct mail using information you provide during the registration process. Your consent to receive electronic communications include any notices or other information that we may be required by law to provide you in writing or otherwise. You agree to keep us appraised of your current e-mail address should the same change subsequent to the date you become a Member. We may also send you push notifications if you install the mobile application.

16. Ownership

All rights, title, and interest in the Services, the COINCOME Platforms and the Content associated with or on the same belong to COINCOME or its licensors. Additionally, COINCOME shall maintain all rights, title, and interest in “COINCOME”, the COCO logo, and any other marks, service marks, trademarks, or logos of COINCOME (the “COINCOME Marks”) that are registered in Singapore and other countries. The COINCOME Marks may not be used in connection with any non-COINCOME product or service in any manner that is likely to cause confusion among customers, or in any manner that disparages or discredits COINCOME. You shall not by any means bid on, apply for, register, own or control any keywords or marks containing “COINCOME” or anything substantially similar to “COINCOME” or any other COINCOME Mark including, without limitation, cimcome.com, cimcome.sg, cimcome.jp with any search engine, domain service provider or any intellectual property office whatsoever. You shall not mention or use COINCOME in any ad text, extension, or banner ad without express written consent of COINCOME. All other trademarks not owned by COINCOME that are used in providing the Services are the property of their respective owners, who may or may not be affiliated with, connected to, or sponsored by COINCOME.

17. Community Standards

By creating a COINCOME account, you are becoming a member of a community that depends on the goodwill and responsible behaviour of each of our users. Users are required to refrain from transmission or communication of images or text constituting ethnic slurs, obscenities, sexually explicit material, inflammatory or derogatory comments, or anything else that may be construed as harassing or offensive, which is targeted at the Services, the COINCOME Platforms, our employees, contractors or agents, our merchant partners, or other users. This includes communications by means of social media or other internet posts which violate the above community standards or promote or encourage gaming or fraudulent behaviour. Users who violate this provision, as determined by us in our absolute discretion, may have the accounts suspended or terminated without prior notice.

18. Indemnification

You agree to indemnify COINCOME, any merchant partners, as well as their respective officers, directors, employees, successors, agents, and affiliates, for any and all claims, damages, losses and causes of action (including attorneys’ fees and court costs) arising out of or relating to your breach of this Agreement or for any materials in any form whatsoever that are provided by you (or through your username and/or password). You agree to cooperate as fully as reasonably required in our defense and/or settlement of any claim. We reserve the right, in our reasonable discretion, to assume exclusive control over the defense and settlement of any matter subject to indemnification by you.

19. Warranty Disclaimer

The Services, content, and the COINCOME Platforms are provided “as is” and without warranty of any kind, express or implied, including without limitation, warranties of title, merchantability, fitness for a particular purpose or non-infringement. We make no warranty as to the quality, accuracy, currentness, completeness, reliability or validity of the Services, content or the COINCOME Platforms, including without limitation, any product search results, product descriptions, product availability, pricing information advice, opinion, statement, recommendations, or other information displayed, uploaded or distributed in connection with the Services. COINCOME does not warrant that the functionality of the COINCOME Platforms will be uninterrupted or error-free, that defects will be corrected, or that they will be free of viruses or other harmful content. Further, COINCOME does not warrant, guarantee or make any representations regarding the quality of, or accuracy of advertisements for, any products or services offered or provided by its affiliate stores in conjunction with the services.

20. Limitation of Liability

To the maximum extent permitted by applicable law, in no event shall COINCOME be liable for any special, incidental, consequential, exemplary, punitive or other indirect damages or for any loss profits, loss data or loss of use damages, even if it has been advised of the possibility of such damages. To the maximum extent permitted by applicable law, COINCOME’s maximum aggregate liability arising out of this agreement will not exceed S$100.

21. Governing Law and Arbitration

This Agreement, including any amendments thereto that COINCOME may from time to time make at its discretion, are governed by and construed in accordance with the laws of the Republic of Singapore.

Any dispute arising out of or in connection with this contract, including any question regarding its existence, validity or termination, shall be referred to and finally resolved by arbitration administered by the Singapore International Arbitration Centre (“SIAC”) in accordance with the Arbitration Rules of the Singapore International Arbitration Centre ("SIAC Rules") for the time being in force, which rules are deemed to be incorporated by reference in this clause.

The seat of the arbitration shall be Singapore.

The Tribunal shall consist of one arbitrator.

The language of the arbitration shall be English.

You agree that all issues are for the arbitrator to decide. This includes all issues related to the scope, application, interpretation and enforceability of this Agreement and this arbitration provision. The arbitrator shall also decide whether any claim is subject to arbitration.

22. Assignment

You may not assign your rights and obligations under this Agreement, in whole or in part, without prior written consent, and any such assignment without such consent will be null and void.

23. Headings

Headings under this Agreement are intended only for convenience and shall not affect the interpretation of this Agreement.

24. Waivers / Severability

Any failure to enforce any provision of this Agreement on the part of COINCOME will not be deemed a waiver of that provision. Any waiver of any provision of this Agreement by COINCOME on one occasion will not be deemed a waiver of any other provision or of such provision on any other occasion. If any provision of this Agreement is held to be invalid, such invalidity shall not affect the remaining provisions.

25. Entire Agreement

This Agreement (together with the additional terms and conditions referred hereto or generally) represents the entire agreement of the parties with respect to the subject matter hereof, and supersedes all prior or contemporaneous agreements and representations, written or oral (including without limitation, earlier version of this Agreement that may have been accepted by you). We reserve the right to modify this Agreement at any time. Your continued use of any of the COINCOME services or continued maintenance of an account with COINCOME shall constitute and be deemed to be your acceptance of such modification and your consent to abide by any terms thereof.