# Terms and Conditions

## Introduction
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.

## 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.

## 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. 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.

## 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.

## Certain Restrictions
You understand and acknowledge that you cannot accept any goods or services in exchange for your donation. You understand and agree that the minimum donation amount is $10.00.

## Fees
PointWorthy will charge a Processing Fee of 10% (“Processing Fee”) from your donation to cover the costs of processing and disbursement. In some instances our partner Loyalty Rewards Plans may decide to cover the processing fees.

## Recurring Donation
If your donation is recurring, your first donation will be charged immediately, and the next donation will occur in the month you have chosen.

## eGift Cards
PointWorthy provides the option to use your points to purchase an eGift Card. eGift Cards are valid for five years from the date of purchase.

## Dedications
PointWorthy also provides you the option of dedicating your charitable gift in another person’s honor or to memorialize a special event like a birthday.

## General Disclaimer
Content and other information contained on this Website has been prepared by PointWorthy as a convenience to its users and is not intended to constitute advice or recommendations.

## Limitation of Liability
PointWorthy will not be liable for any direct, indirect, incidental, special, consequential or exemplary damages, including, without limitation, damages for loss of Loyalty/Reward Points, data or other intangible losses.

## Indemnification
You agree to defend, indemnify, and hold harmless PointWorthy from and against any and all suits, actions, claims, proceedings, damages, settlements, judgments, injuries, liabilities, obligations, losses, risks, costs, and expenses relating to your use of this Website.

## Eligible Users; Children
The Website and the Services are intended solely for users who are 13 years of age or older. If you are under 13, you are forbidden to use the Website and Services.

## Force Majeure
PointWorthy shall not be liable for any failure or delay due in whole or in part to any cause beyond the reasonable control of PointWorthy.

## Notices
Any notices to you from PointWorthy regarding the Website or these Terms of Use will be posted on this Website or made by e-mail or regular mail.

## Choice of Law
These Terms of Use shall be governed by and construed in accordance with the laws of the State of Maryland.

## Limited License and Site Access
PointWorthy grants you a limited license to access and make personal use of this Website, but not to download or modify it without express written consent of PointWorthy.