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Terms and Conditions

IMPORTANT – THIS IS A LEGAL AGREEMENT BETWEEN YOU AND IDUGUUD INC. (“POINTWORTHY,” “WE” OR “US” OR “OUR”). THIS WEBSITE, LOCATED AT WWW.POINTWORTHY.COM (THE "WEBSITE"), IS OWNED AND OPERATED BY POINTWORTHY. THIS WEBSITE PROVIDES USERS WITH ACCESS TO INFORMATION – INCLUDING INFORMATION RELATED TO CHARITIES - WORKS OF AUTHORSHIP, AND OTHER CONTENT (THE “CONTENT”), AS WELL AS TO A VARIETY OF SERVICES, INCLUDING THE ABILITY TO CONVERT LOYALTY/REWARD POINTS (“LOYALTY POINTS”) INTO CASH DONATIONS (THE "SERVICES").

PLEASE NOTE: YOUR ACCESS TO AND USE OF THIS WEBSITE ARE SUBJECT TO THESE TERMS OF USE (THE “TERMS OF USE”), AS WELL AS ALL APPLICABLE LAWS AND REGULATIONS, AND OUR PRIVACY POLICY LOCATED AT www.pointworthy.com/site/privacypolicy.xhtml, WHICH IS INCORPORATED HEREIN BY REFERENCE, ALONG WITH ANY OTHER TERMS AND CONDITIONS SET FORTH BY POINTWORTHY. YOU SHOULD READ CAREFULLY THE FOLLOWING TERMS AND CONDITIONS CONTAINED IN THESE TERMS OF USE AS THEY GOVERN YOUR ACCESS TO AND USE OF THE WEBSITE, AND ANY PROGRAMS, SERVICES, TOOLS, MATERIALS, CONTENT OR INFORMATION AVAILABLE THROUGH THE WEBSITE OR USED IN CONNECTION WITH THE WEBSITE. POINTWORTHY IS WILLING TO LICENSE AND ALLOW THE USE OF THIS WEBSITE ONLY ON THE CONDITION THAT YOU ACCEPT AND AGREE TO ALL OF THE TERMS AND CONDITIONS CONTAINED IN THESE TERMS OF USE. IF YOU DO NOT AGREE WITH THESE TERMS OF USE, YOU ARE NOT GRANTED PERMISSION TO ACCESS OR OTHERWISE USE THE WEBSITE. YOUR ACCESS TO AND USE OF THIS WEBSITE CONSTITUTES YOUR ACCEPTANCE OF AND AGREEMENT TO ABIDE BY THESE TERMS OF USE. THESE TERMS OF USE MAY BE CHANGED, MODIFIED, SUPPLEMENTED OR UPDATED BY POINTWORTHY FROM TIME TO TIME WITHOUT ADVANCE NOTICE BY POSTING HERE AND YOU WILL BE BOUND BY ANY SUCH CHANGED, MODIFIED, SUPPLEMENTED OR UPDATED TERMS OF USE IF YOU CONTINUE TO USE THIS WEBSITE AFTER SUCH CHANGES ARE POSTED. THE DATE THESE TERMS OF USE WERE LAST UPDATED IS STATED AT THE END OF THIS DOCUMENT. YOU ARE ENCOURAGED TO REVIEW THE WEBSITE AND THESE TERMS OF USE PERIODICALLY FOR UPDATES AND CHANGES.

Loyalty Points Retrieval, Processing and Disbursements; Acknowledgements; Rules for Disbursements

PointWorthy provides a technology platform that allows Loyalty Point holders of participating Loyalty Point providers to convert their Loyalty Points into cash that can then be converted into charitable donations. In order to use the platform located on the Website, you must first register, setup an account and provide certain personal information. PointWorthy reserves the right to refuse any request to setup an account for any reason or no reason. You understand, acknowledge and agree that in order for PointWorthy to convert your Loyalty Points into cash on your behalf, you will need to link your loyalty rewards account to a PointWorthy account, this action enables us to withdraw, process and disburse your Loyalty Points. By linking your account you hereby authorize us to make such requests on your behalf in order to execute and complete transactions.

You understand and acknowledge that PointWorthy is a processor of payments, processing your points into cash, and disbursing such cash as a donation. You further understand and acknowledge that your donation designated via the Website may be transferred to a Donor Advised Fund (DAF) operated by a third party. A DAF is a 501(c)(3) charitable organization and in such instances will be the initial recipient of your donation; the DAF will subsequently processes your donations and disburses the funds to charities based on your recommendations. Please also note that in such instance your Loyalty Points statement will list the name of the DAF as the recipient “merchant” of your donation, rather than your designated charity.

Using a Credit Card Payment to Increase Your Point-Donation; Payment Processing

In some instances, PointWorthy will allow you to increase your Loyalty Point contribution by using your credit card to add additional value. PointWorthy has engaged the services of Stripe, a payment gateway, to process all such payment transactions in an effort to render the making of such payments easy and seamless. Stripe manages the routing of applicable customer information through the credit card processing networks. PointWorthy is not affiliated with Stripe, and neither is the agent or employee of the other, and neither is responsible in any way for the actions or performance (or lack thereof) of the other. Accordingly, PointWorthy expressly disclaims responsibility and liability for all services provided by Stripe, including those related to payment transactions, and you hereby agree that PointWorthy shall not be responsible for any loss or damage of any sort incurred as a result of such Stripes services. If you do not agree with these terms, you should not use Stripe. You will be required to provide certain personal information to Stripe in order for them to process your payment transaction. Any information that you provide in conjunction with, or related to, a payment transaction, will be treated in accordance with Stripe’s privacy policy, located at https://stripe.com/us/privacy, and Stripe’s Terms of Use, located at https://stripe.com/us/terms; we recommend that you review these policies for additional information.