Terms and Conditions

Shop and Earn Cash Back Program

LifePays, Inc, a Delaware corporation ("LifePays") has established a consumer cash back program (the "Cash Back Program") which will award cash back ("Cash Back") to LifePays, Inc. Program members ("you") when you use the services of one of the exclusive merchants that are part of the LifePays, Inc. merchant network (the "Participating Merchants"). In order to earn Cash Back you must agree to these terms and conditions, register one or more credit or debit cards with LifePays, Inc., and then use such credit or debit card at a Participating Merchant (a "Qualified Transaction"). You may register up to five (5) credit and/or debit cards that have been issued to you. Some credit cards issued on behalf of corporations for their employees may not be eligible for participation.

Prior to making purchases at Participating Merchants, you must check the zip code locator at www.LifePays.com/locator to verify the Cash Back currently being offered at each location. You must also check the zip code locator to confirm the card types (e.g. MasterCard, Visa, Diner's Club, American Express, or Discover) that are eligible for Cash Back at a particular Participating Merchant. Not all card types are eligible for Cash Back at every merchant and not all Cash Back is offered at every merchant. Registered cards must be used at participating merchants as credit card transactions, not PIN or ATM based transactions, to qualify for Cash Back. To receive reward credit for online purchases, you must first log into your LifePays, Inc. member account at secure.LifePays.com/login -- and then click on designated online links to online Participating Merchants -- so that LifePays, Inc. can properly validate your online purchase and credit your account with your earned Cash Back.

The Cash Back Program includes merchants from more than one industry and LifePays, Inc. may add or remove industry categories and/or individual Participating Merchants and the network of Participating Merchants is subject to change. If your original enrollment was the result of an industry-specific solicitation (e.g., dry cleaning) from a Participating Merchant or from LifePays, Inc., you will automatically start earning Cash Back in other industry categories, subject to eligibility requirements, limitations, and restrictions.

With certain Participating Merchants, Cash Back will be provided only up to a specified per transaction limit, even if the transaction amount is greater than the specified limit. You are prohibited from splitting transactions into multiple transactions for the purpose of circumventing this limitation. Per transaction limits and other merchant-specific restrictions, if any, will be specified below the merchant name, address, and phone number on the zip code locator at www.LifePays.com/locator

Please allow at least 48 - 72 hours for your Cash Back to be posted to your LifePays, Inc. account. In the event that reward credit for a Qualified Transaction does not appear in your LifePays, Inc. account, contact LifePays, Inc. at info@LifePays.com. Ensure that you retain your original receipts or credit card statements so that LifePays, Inc. can verify that your use of a card was a Qualified Transaction. Correspondence to LifePays, Inc. should include your first and last name, LifePays, Inc. username and e-mail address, and be sent to the above e-mail address or sent via U.S. Mail to the LifePays, Inc. address below within 120 days of the original transaction. Requests sent in after the 120-day period or which otherwise do not comply with the foregoing requirements will not be considered.

You may cancel your LifePays, Inc. account for any reason via written notice to LifePays, Inc., at which time your Cash Back Program account will be closed. Please allow up to 30 days for your request to be completed.
The relationship between LifePays, Inc. and the Participating Merchants is generally limited to the Participating Merchants' participation in the Cash Back Program and other similar rewards programs administered by LifePays, Inc. LifePays, Inc. selects Participating Merchants based in part upon LifePays, Inc. belief that the Participating Merchants consistently provide first class products and service. However,

LifePays, Inc. does not guarantee their performance. If you have a problem with one or more products or services provided by a Participating Merchant, please contact the proprietor of that Participating Merchant. If you believe that a Participating Merchant does not provide first class service products or services, please contact LifePays, Inc. so that we may re-evaluate their participation in the Cash Back Program.

Data and Receipt Requirements

LifePays, Inc. relies upon data feeds from the Participating Merchants and certain credit card transaction processing companies for data on Qualified Transactions and payment from the Participating Merchants. LifePays, Inc. may also rely upon certain credit card transaction processing companies for data obtained directly from the bank associations (e.g., Visa or MasterCard) with regard to Qualified Transactions. LifePays, Inc. will take commercially reasonable steps to ensure that data feeds and payment with regard to all Qualified Transactions are obtained. However, LifePays, Inc. will not be obligated to make Cash Back credits with regard to any Qualified Transactions for which LifePays, Inc. does not receive complete and accurate data and payment from the Participating Merchants, regardless of the reason.

The agreements that LifePays, Inc. enters into with Participating Merchants require the Participating Merchants to notify LifePays, Inc. in advance of the Participating Merchant ending its participation in the Cash Back Program. LifePays, Inc. will remove any such merchants from the listing of Participating Merchants on the Cash Back Program web pages and LifePays, Inc. zip code locator. The agreements between LifePays, Inc. and Participating Merchants also prohibit the Participating Merchants from using LifePays, Inc.'s marks and logos or to otherwise indicate that they are a Participating Merchant if they are not participating in the program. We also take commercially reasonable steps to ensure that no others are displaying our logos or indicating that they are participants in the Cash Back Program if they are not. However, LifePays, Inc. does not guarantee that every merchant displaying our logos or listed as a Participating Merchant is then currently a member of the Cash Back Program, or that they will submit data and payment for Qualified Transactions. Please e-mail or write us if you believe there were Qualified Transactions for which you did not accrue Cash Back so that we may keep our listings up to date and prevent unauthorized use of the LifePays, Inc. and Cash Back Program logos. LifePays, Inc. uses the services of one or more data processing companies to compute the reward credits for each Qualified Transaction. LifePays, Inc. will use commercially reasonable efforts to ensure that the data processing companies provide complete and accurate computations. However, in the event of errors or omissions, either in the processing or the transmission of the data, LifePays, Inc. will correct such errors or omissions, and in the event that your Cash Back Program account was incorrectly credited with Cash Back, LifePays, Inc. may adjust the transaction with the Cash Back Program or deduct the amount of the error from future Cash Back computations.

Program Participation Exclusivity

Please note that LifePays, Inc., or its affiliates or business partners, may operate other reward programs in which the Rewarding Merchants participate, such as reward programs for the major airlines or other reward providers. You are not allowed to register the same card with more than one such program. In the event that a single card becomes so registered, LifePays, Inc. will be entitled to deny, revoke, or deduct from later credits any reward credits earned under this program on a card that is registered on more than one program. These

Terms and Conditions do not govern such other reward programs.
Merchant fees for credit cards vary from card to card. In addition, other companies may operate programs in which Participating Merchants participate, and incur fees on each transaction. Participating Merchants, in their discretion, may decline to accept a card for payment if they determine that the total of all fees incurred by the Participating Merchant on the transaction is excessive. LifePays, Inc. does not guarantee that any Participating Merchant will accept any particular registered card.

Web Site Use Terms

All information provided on the pages LifePays, Inc. hosts for participants in the Program (the "Web Pages") is subject to change without notice. While efforts have been made to make the Web Pages helpful and accurate, due to the open nature of the Web Pages, and the potential for errors in the storage and transmission of digital information, LifePays, Inc. does not warrant the accuracy of the information. LifePays, Inc. does not provide a warranty regarding virus-free use of Web Pages or use of any third party software, files, data or images downloaded from the Web Pages. Due to the frequent emergence of new viruses, procedures and precautions taken by LifePays, Inc. still cannot ensure safety at all times. Therefore, you should follow standard practices for ensuring safety of your computer(s) and data, including but not limited to, installing the latest virus detection software on your computer(s) and configuring it to trap viruses at download time. The Web Sites may contain links to third party services and resources. LifePays, Inc. does not control the availability and content of these third party sites. The existence of a link to a third party site does not constitute an endorsement or recommendation by LifePays, Inc. of the third party or the third party's site. While LifePays, Inc. is proud to provide the Web Pages, you must receive LifePays, Inc. prior written permission before creating a link to the Web Pages. Please contact us to request to link to the Web Pages or to use LifePays, Inc.'s trademarks. Any unauthorized links or false or misleading uses of the Web Pages or LifePays, Inc. trademarks or service marks is prohibited. You shall not post or transmit through the Web Sites any material that violates or infringes in any way upon the rights of others, that is unlawful, threatening, abusive, defamatory, invasive of privacy or publicity rights, vulgar, obscene, profane, that constitutes hate speech intended to insult any race, skin color, religion, sexual orientation, or national origin, or is otherwise objectionable, or that encourages conduct that would constitute a criminal offense, gives rise to civil liability or otherwise violates any law, or that contains any computer viruses or computer programs that are intended to damage, detrimentally interfere with, or surreptitiously intercept or expropriate any system data or information. Any conduct by you that, in LifePays, Inc.' sole discretion, restricts or inhibits any other member from enjoying the Web Pages, will not be permitted. You shall not use the Web Pages to advertise or perform any commercial solicitation, including, but not limited to, the solicitation of members of Program to become users, members or customers of other services. You may not use the Program or the Web Pages to sell a product or service or to increase traffic to your web sites for commercial reasons.

Hot Deals Daily Deals

Using a Credit Card and your Billing/Statement
LifePays, Inc. provides instant fulfillment of gift certificate purchases and coupons by using a secure technology allowing consumers to print gift certificate purchases and/or coupons directly from their own computer connected to a printer. LifePays, Inc. allows purchases, downloads and printing for adults who willingly purchase and/or print gift certificates and/or coupons. If you are under 18 years of age, you may only use this site with the direct involvement of a parent or guardian. LifePays, Inc. Inc. reserve the right to refuse service, terminate accounts, remove or edit content, or cancel orders at their sole and complete discretion. Purchases that you elect to make on this Website will appear on your credit card bill as: LifePays, Inc. Inc.

LifePays, Inc. is the Merchant of Record for this site. If you have questions pertaining to your order, please contact LifePays, Inc. toll-free at 866.632.0191 or e-mail info@LifePays.com

Lost or Stolen Gift Certificates
Under no circumstances will LifePays, Inc. be responsible for lost or stolen gift certificates and/or coupons. Gift certificates and/or coupons purchased or printed through this site may be reprinted in the cases of lost or stolen gift certificates and/or coupons, only if the gift certificates and/or coupons have not yet been used at a retailer's physical location. If you lose a gift certificate and/or coupon or a gift certificate and/or coupon is stolen, please contact LifePays, Inc. immediately via email at info@LifePays.com, or reprint your gift certificate and/or coupon according to the instructions provided on this Website to determine if you are eligible to reprint a gift certificate and/or coupon.

Closed Establishments
LifePays, Inc. and its Websites offer third party gift certificates and coupons. LifePays, Inc. is not responsible if an establishment closes after a purchase is made. No refunds, exchanges or replacements will be offered.

You have the responsibility to print any gift certificates and/or coupons offered and/or purchased through this Website. Once you have purchased a gift certificate and/or coupon, please make sure that your computer is connected to a printer and that the printer is powered on to print your gift certificate and/or coupon. You must have the most recent version of Flash installed on your computer to print the gift certificates and/or coupons. If you have any problems during the fulfillment process, please contact LifePays, Inc. via email at info@LifePays.com.

Product Orders
PRICES AND AVAILABILITY OF THE PRODUCTS AND SERVICES LISTED ON THIS SITE ARE SUBJECT TO CHANGE WITHOUT NOTICE. The listing, description of, or reference to, a product or service on this Website does not imply that the product or service is presently available or that we endorse that product or service. In the event a product or service is listed at an incorrect price due to a typographical error or error in pricing information received from a supplier, LifePays, Inc. shall have the right to refuse or cancel any order placed for such product or service at the incorrect price, even if the order has been confirmed and/or your credit card has been charged. If your credit card has already been charged for the purchase and your order is canceled, we shall promptly issue a credit to your credit card account in the amount of the incorrect price, and notify you of this occurrence.

Order Acceptance
Your order is not complete or guaranteed until you complete the purchase process and select the print or email option to obtain your gift certificate(s). Your receipt of an electronic or other form of order confirmation does not signify our acceptance of your order, nor does it constitute confirmation of our offer to sell. We reserve the right at any time after receipt of your order to accept or decline your order for any reason or for no reason at all. We reserve the right at any time after receipt of your order, without prior notice to you, to supply less than the quantity you ordered of any product or service, with notice to you if this should occur, and a credit to your credit card if applicable.

Your Acceptance of Gift Certificates and/or Coupons
LifePays, Inc. and its Websites may offer third party gift certificates and/or coupons for download or sale. LifePays, Inc. is not responsible for the actual available usage duration or any certificate and/or coupon, or the policies of the various businesses that provide the certificates and/or coupons. Please contact the retailer or service provider directly to confirm any restrictions, if any.

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Use of Your Information
LifePays, Inc. will use the information you provide upon registration or otherwise, including your name, address, e-mail address, telephone number, any other contact information and your credit card information (collectively, your "Personal Information") to administer the Program, including, without limitation, sending you e-mails regarding your account. LifePays, Inc. will not sell or otherwise deliberately provide your Personal Information to anyone unrelated to LifePays, Inc. for the purpose of soliciting you for products or services unrelated to the Program, except as allowed by you pursuant to your agreement to the "opt-in" options on the member enrollment web page or otherwise.

LifePays, Inc. communications with the Participating Merchants may include your Personal Information. In administering the program, LifePays, Inc. will share your Personal Information with one or more data processing companies. If you would like to review the privacy policies of the data processing companies that LifePays, Inc. does or may work with, please contact LifePays, Inc.

Ownership of Intellectual Property
Unless otherwise expressly noted, all materials, including, without limitation, all images, illustrations, designs, icons, photographs, software, video clips, and written and other materials that are part of the Program (including, without limitation, the Web Pages) are protected by copyright, trademarks, trade dress and/or other intellectual properties owned by or licensed to LifePays, Inc.
"LifePays, Inc." is a service mark owned by LifePays, Inc. and LifePays, Inc. does not grant any right for participants or Web Page visitors to use this mark. All rights in the intellectual property that is part of or contained in the Program including copyright, trademarks, trade secret and patent rights are reserved. You covenant that you will take no action to register or otherwise interfere with or challenge such intellectual property rights. LifePays, Inc. hereby authorizes you to make a single printed copy of the Web Pages for your use in learning about, evaluating, or participating in the Program. No other permission is granted to you to print, copy, reproduce, distribute, transmit, upload, download, store, display in public, alter, or modify, create derivative works from, compile facts or information from, sell or participate in any sale of, or exploit in any way, in whole or in part, any of the information. You may not use any robot, spider or other automatic device, nor may you use any manual process, to monitor materials available through the Web Pages.

You are responsible for any tax consequences resulting from your receipt of reward credits. LifePays, Inc. may report such reward credits to the relevant tax authorities.

Bonus Offers
From time to time, limited time Bonus Promotions ("Bonus Offers") may be available. Each Bonus Offer typically has an associated spending threshold that must be met in order for you to qualify for the Bonus Offers. If you have a question about the Bonus Offers currently in effect, contact info@LifePays.com.

Member Comments and Submissions
All comments and other information submitted, conveyed or offered to LifePays, Inc. (collectively, the "Comments") shall be and remain LifePays, Inc.'s property and may be reprinted or otherwise used by LifePays, Inc. without your additional permission. You agree that no Comments or any other submission submitted to the Web Pages will violate any right of any third party, including copyright, trademark, privacy or other personal or proprietary right(s). You further agree that no Comments or other submission submitted by you to the Web Pages will be or contain libelous or otherwise unlawful, abusive or obscene material. You are and shall remain solely responsible for the content of any Comments you make.

Changes to These Terms and Conditions

LifePays, Inc. may, from time to time, change these Terms and Conditions, change the reward credit allocation formula, or otherwise change or terminate the entire Cash Back Program. The changed terms shall be effective immediately upon posting to the Web Pages. Any use of the Program by you after such notice shall be deemed to constitute acceptance by you of the Changed Terms. Either you or LifePays, Inc. may terminate this agreement at any time, with or without cause. Notice is effective upon receipt of written notification from the party wishing to terminate this agreement.

Dispute Resolution

Any claim, dispute or controversy arising out of or relating to the Program (collectively, the "Claim"), will be referred to and determined by binding arbitration (to the exclusion of the courts). You agree to waive any right you may have to commence or participate in any class action against us related to any claim and, where applicable, you also agree to opt out of any class proceeding against us.
If you have a Claim, you must give written notice to LifePays, Inc. of your intention to arbitrate. If LifePays, Inc. has a Claim, LifePays, Inc. will give you notice to arbitrate at your address. Arbitration of claims will be conducted in Fresno, CA in such forum and pursuant to such rules as LifePays, Inc. and you agree upon, and, failing agreement, will be conducted by one arbitrator pursuant to the laws and/or rules relating to commercial arbitration in the State of California that are in effect on the date of the notice to arbitrate. This agreement is governed by and shall be construed in accordance with the laws of the State of California, without regard to the choice of law provisions, and you and LifePays, Inc. hereby submit to the exclusive jurisdiction of the courts of the State of California.

Contacting LifePays, Inc.

LifePays, Inc. may be contacted at the following address:
LifePays, Inc.
2491 Alluvial #32
Clovis, CA 93611
Attention: Customer Service
The Terms and Conditions were last revised on July 13, 2011.