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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").

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 process your donations and disburse the funds to charities based on your recommendations.

Please note that if you made a donation through Donate with Points, and the charity you designated is no longer accepting donations, is no longer recognized by the IRS as a public charity, is no longer in good standing with federal regulators, or is no longer eligible for Donate with Points, PointWorthy will cancel the portion of the donation made with Loyalty Points and credit back your Loyalty Points account. You will receive a donation cancellation email informing you of this event. If a donation or part of a donation was made using a PointWorthy e-Gift Card or a credit card, the portion of the donation funded by the PointWorthy e-Gift Card or the credit card is non-refundable.

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.

Rescission Period

ALL TRANSACTIONS ARE SUBJECT TO A 15-DAY RESCISSION PERIOD. IF DURING THE INITIAL 15 DAYS SUBSEQUENT TO YOUR TRANSACTION YOU DECIDE TO CANCEL YOUR TRANSACTION, YOU CAN DO SO ON THE POINTWORTHY WEBSITE USING THE CANCELATION FUNCTIONALITY YOU CAN ALSO CALL SUPPORT AT (888) 877-0535 OR CONTACT US AT customerservice@pointworthy.com. AFTER 15 DAYS, ALL TRANSACTIONS ARE FINAL AND NON-REFUNDABLE, AND MAY NOT BE CANCELLED OR REVERSED.

Certain Restrictions

You understand, acknowledge and agree that you cannot accept any goods or services in exchange for your donation. If you received goods or services in exchange for a donation, you understand that your tax deduction may be limited to the excess of the contribution over the fair market value of any items received in exchange for the donation.

Fees

PointWorthy will charge a Processing Fee of 10% (“Processing Fee”) from your donation to cover the costs of processing and disbursement.

Recurring Donation

If my donation is recurring, my first donation will be charged immediately, and the next donation will occur in the month I have chosen. Recurring donations are charged on the first of every month and can be cancelled at any time before the first of the month.

eGift Cards

PointWorthy provides the option to use your points to purchase an eGift Card (the “eGift Card”). eGift Cards can be redeemed through PointWorthy's website, www.PointWorthy.com or our partner’s websites enabled for this purpose, for charitable donations to any of the organizations listed on the website. You acknowledge and agree that eGift Cards are not credit cards, charge cards, debit cards or travelers checks.

You hereby agree to the following terms regarding the purchase and redemption of charity eGift Cards:

• eGift Cards cannot be used to purchase eGift Cards.
• eGift Cards are not redeemable for cash and cannot be returned for a cash refund. Any unused balance will be placed in the recipient's eGift Card account and is not transferable.
• eGift Cards are valid for five years from the date of purchase.