LINKIFY REWARDS — USER TERMS OF SERVICE

DRAFT — pending legal review; not legal advice. This is an in-house draft produced from the Linkify Rewards decision register (LR-ENG-001 and LR-BUS-001 only) for review by Linkify's counsel before publication. It is not a binding agreement and is not legal advice. Items in square brackets are facts to be confirmed by Linkify or resolved with counsel; nothing has been invented beyond the decision register.

1. WHO WE ARE AND WHAT THESE TERMS COVER

1.1 Linkify Solutions Inc. ("Linkify", "we", "us", "our") operates Linkify Rewards ("the Service"), a multi-business rewards and discovery application.

Basis: LR-BUS-001 §1.1, §4.1.

1.2 These Terms of Service ("Terms") govern your use of the Service, including the Linkify Rewards mobile application, the website, and any wallet pass offered through the Service. A separate Privacy Policy explains how we handle your personal information.

Basis: LR-ENG-001 §9.5; P1-R70.

2. ACCEPTANCE

2.1 By creating an account, installing the application, or using the Service, you agree to these Terms. If you do not agree, do not use the Service.

Standard acceptance clause; no conflicting register decision.

2.2 These Terms apply to your use of the Service, including any points, coupons, and offers made available through it.

3. ELIGIBILITY

3.1 You must be [age of majority in your province/territory — confirm] to use the Service.

Standard; pending legal review. No register decision on minimum age — flag for counsel.

4. ACCOUNTS AND SECURITY

4.1 To create an account, you give us both an email address and a mobile phone number. Your email address is verified by a one-time code, and disposable or temporary email addresses are refused. You sign in with a one-time code sent to your email address or, when available, with a one-time code sent by text message to your mobile phone number, or with Apple/Google sign-in. Your phone number is verified by a one-time code sent to it by text message, and one verified phone number can belong to only one account. If that code cannot be sent when you sign up, the number is held unverified until you confirm it, and we send no text messages to it until then.

Basis: LR-ENG-001 §2.6.a (email OTP + Apple/Google social); LR-TS-000 P0-R36 (phone-number identity); LR-DEC-001 §9 (phone sign-in in the app, owner decision 2026-09-27; one account per number); owner decision 2026-09-27 (sign-up requires an email and a phone number; disposable email addresses refused; the number is verified by text code; if that code cannot be sent, the number is held unverified and receives no texts until confirmed).

4.2 You are responsible for keeping your account secure and for activity that occurs under your account. You agree to provide accurate information.

Standard; consistent with LR-ENG-001 §2.6.

4.3 We may mark an account as non-unique if it shares a hashed email or phone value with an existing account. Non-unique accounts are not eligible for one-per-person grants such as welcome offers.

Basis: LR-ENG-001 §2.6.b (hashed email/phone uniqueness gates welcome coupons and other one-per-person grants); §8.4.

5. THE SERVICE

5.1 The Service lets you earn Points at participating merchants, redeem Points for items or discounts at merchants where you have earned them, and receive offers from merchants. You may add a rewards card to your device's wallet.

Basis: LR-BUS-001 §4.1; PRODUCT.md (earn, redeem, discover, wallet pass).

5.2 The Service is free to use. You may pay merchants directly for purchases; payments you make to merchants are governed by the merchant, not by these Terms.

Basis: LR-BUS-001 §6.3.a (users pay nothing).

6. POINTS

6.1 Value. Points are the loyalty unit used in the Service, valued at 1 Point = CAD $0.01, platform-wide.

Basis: LR-BUS-001 §3, §5.2; LR-ENG-001 §2.8.

6.2 Shop points, the Linkify wallet and coupons. Points you earn at a merchant are that merchant's points: they are kept in a separate wallet for that merchant and are spent there, for free product funded by that merchant. Linkify also gives you points of its own, free, in a separate Linkify wallet. Discount coupons are the only thing that works across merchants: a coupon can be paid for with points from any of your wallets, and free product never moves between merchants. You never pay Linkify for the Service or for any points; it is free for you, always.

Basis: LR-BUS-001 §5.1, §5.1.1–§5.1.4, §11. Load-bearing for the tax treatment (LR-ENG-001 §7.1).

6.3 Points stay with each shop. Points earned at a merchant stay in that merchant's wallet and are redeemed at that merchant, for goods or services in its redemption catalog. Discount coupons are the only thing that works across merchants: a coupon's point price may be paid from any of your wallets.

Basis: LR-BUS-001 §5.1, §5.1.1, §5.1.2, §5.1.3 (points per shop; coupons the only cross-shop instrument; pooled purchase from any wallet).

6.4 Earning. Points accrue on the cash portion of an order only. Amounts paid in Points or covered by coupons do not earn Points.

Basis: LR-BUS-001 §5.3 (earning rule).

6.5 No devaluation. Points you have already earned are never devalued.

Basis: LR-ENG-001 §2.8 (already-earned points never devalued, platform-enforced).

6.6 Balance display. At checkout, the Service shows your balance at the current merchant only. Your aggregate balance across merchants is a display total, not a spendable balance.

Basis: LR-BUS-001 §5.4.a.

6.7 Points are not currency. Points are a loyalty benefit offered by the merchant that issued them. They have no cash value and are not exchangeable for cash except as offered through the issuing merchant's redemption catalog.

Basis: LR-BUS-001 §5.1.1 (closed per-merchant; redemption in the merchant's own goods). The "no cash value" statement is standard ToS language implied by the closed per-merchant design — confirm with counsel.

6.8 Coupons and Points do not combine in a single order in the initial release.

Basis: LR-BUS-001 §5.4.b.

7. EXPIRY

7.1 Points you earn at a merchant never expire, including after a period with no activity.

Basis: LR-BUS-001 §5.7.a; LR-ENG-001 §8.1 (shop points never expire).

7.2 Linkify points (the points Linkify gives you for free in the Linkify wallet) expire 12 months after each grant. You will be warned 30 days and again 7 days before any Linkify points expire.

Basis: LR-BUS-001 §5.7.b (Linkify points expire 12 months after each grant; notice at 30 and 7 days).

8. REDEMPTION AND OFFLINE OPERATION

8.1 Redemptions require connectivity and cannot be processed offline. Counter earns may be recorded offline and reconciled when connectivity is restored.

Basis: LR-ENG-001 §8.7 (redemptions require connectivity; earns queue offline).

8.2 Points redemption is subject to the issuing merchant's redemption catalog and availability.

Basis: LR-BUS-001 §5.2 (merchant controls redemption catalog pricing).

9. MERCHANT EXIT

9.1 If a merchant exits the Service voluntarily, a 30-day wind-down applies: you will be notified, Points remain redeemable during the wind-down, and the merchant's page is marked "closing soon."

Basis: LR-ENG-001 §8.2 (voluntary churn: 30-day wind-down; users notified; points redeemable; page marked closing soon).

9.2 If a merchant closes, voluntarily or abruptly, your Points from that merchant are not void. They stay in that merchant's wallet in your account and can still be used to pay for coupons at other merchants. Redemption from the closed merchant's own catalog ends.

Basis: LR-BUS-001 §5.7.c; LR-ENG-001 §8.2 (shop points survive closure; the wallet stays poolable into coupons elsewhere; catalog redemption at the closed merchant ends).

9.3 Linkify does not reimburse Points from a closed merchant.

Basis: LR-BUS-001 §5.7.c; LR-ENG-001 §8.2 (Linkify does not reimburse anyone).

10. PUSH NOTIFICATIONS AND TEXT MESSAGES

10.1 You will receive push notifications only if you opt in.

Basis: LR-ENG-001 §8.6 (pushes to opted-in customers).

10.2 Notifications are subject to per-merchant quotas and enforced quiet hours. Cross-merchant discovery notifications are curated by the platform.

Basis: LR-ENG-001 §8.6 (per-merchant quota 2–4; quiet hours; cross-merchant discovery pushes are platform-curated digests).

10.3 You may change your notification preferences or withdraw consent at any time through the Service.

Basis: LR-ENG-001 §8.6 (opt-in consent); PIPEDA (withdrawal of consent).

10.4 Text messages (SMS). We send text messages to your mobile phone number only for your own account. We send three kinds:

• Verification codes: a one-time code, sent when you ask to sign in with your phone number or to add a number to your account;
• Security alerts: messages about the security of your account; and
• Promotional messages: offers and news available through the Service, sent only if you have given the separate, optional consent in Section 10.5, and no more than 4 a month.

Basis: owner decision 2026-09-27 (one combined text-message program: verification codes, security alerts and promotional messages, at most 4 promotional messages a month); LR-DEC-001 §9 (phone sign-in in the app).

10.5 Consent. By entering your mobile number on a screen that shows these text-message terms, you agree to receive verification codes and security alerts at that number. Promotional text messages need a separate consent, given through an optional setting that is off until you turn it on. Consent to promotional text messages is not a condition of using the Service or of any purchase. We keep a record of each consent, identified by a salted hash of the number rather than the number itself. You confirm that you are the subscriber or regular user of the mobile number you give us.

Basis: LR-DEC-001 §9 (SMS consent wording on the phone sign-in screens, owner decision 2026-09-27); owner decision 2026-09-27 (consent given on the screen showing the disclosures; separate, optional promotional opt-in in Settings; consent records keyed by a salted hash of the number).

10.6 Frequency and cost. Message frequency varies. Linkify does not charge for text messages, but message and data rates may apply under your mobile plan. Mobile carriers are not liable for delayed or undelivered messages.

Basis: owner decision 2026-09-27 (frequency and rates disclosure); LR-DEC-001 §8 (Linkify pays all SMS costs). The carrier-liability sentence is standard carrier-required text — confirm with counsel.

10.7 Opting out and help. Reply STOP to any text message from us to stop all text messages to that number, including verification codes; reply START to receive them again. You may also turn promotional text messages off in the Service's Settings, which leaves verification codes and security alerts on. Reply HELP for help, or contact support@linkifyrewards.com.

Basis: LR-DEC-001 §8 (Linkify's own opt-out list is checked before either provider sends; inbound STOP and START recorded for both providers); LR-ENG-001 §2.12 (support@linkifyrewards.com).

10.8 Your number and your privacy. We never sell, rent, or share your mobile phone number or your text-message opt-in data with third parties for their own marketing purposes. Text messages are delivered by Twilio and by Amazon Web Services (AWS End User Messaging SMS and Amazon SNS). The Privacy Policy explains how we handle your phone number.

Basis: owner decision 2026-09-27 (mobile numbers and SMS opt-in data never sold, rented or shared for third-party marketing); LR-DEC-001 §8 (SMS on Twilio and AWS SNS).

11. ACCEPTABLE USE

11.1 You agree not to misuse the Service. Misuse includes: fraud; creating multiple accounts to claim offers more than once; interfering with the Service's operation; attempting to reverse engineer the Service; and using the Service unlawfully.

Basis: LR-ENG-001 §2.6.b (non-unique account flag gates one-per-person grants); §8.3 (fraud controls).

12. THIRD-PARTY SERVICES

12.1 The Service uses third-party providers, including payment processing, Apple/Google sign-in, and text-message delivery (Twilio and Amazon Web Services). Their terms and privacy policies apply to their services.

Standard; consistent with LR-BUS-001 §8.1 (Stripe Connect) and LR-DEC-001 §8 (SMS on Twilio and AWS SNS).

13. TERMINATION AND ACCOUNT DELETION

13.1 You may request deletion of your account at any time by contacting support@linkifyrewards.com. Once an in-app deletion flow ships, you may also request deletion through the Service. We will honor deletion requests within PIPEDA-consistent timeframes.

Basis: PIPEDA-compatible account deletion; LR-ENG-001 §2.12 (support channel), §3 (TLM legal precedent — delete-account flow, adapted). Phase 1 ships no self-serve deletion endpoint — this clause states the request-based right.

13.2 On account deletion, we will delete or de-identify your personal information in accordance with the Privacy Policy, subject to legal retention requirements (for example, records required for tax or fraud-prevention purposes).

Basis: PIPEDA (deletion/de-identification; limited retention exceptions).

13.3 We may suspend or terminate access to the Service if you breach these Terms.

Standard; no conflicting register decision.

14. DISCLAIMERS AND LIMITATION OF LIABILITY

14.1 The Service is provided "as is" and "as available."

Standard legal boilerplate; no conflicting register decision.

14.2 To the maximum extent permitted by law, Linkify is not liable for merchant-issued Points, merchant conduct, or merchant goods and services. Points are the liability of the issuing merchant.

Basis: LR-BUS-001 §5.1.1 (points are the liability of the issuing merchant, not of Linkify).

14.3 Nothing in these Terms limits liability that cannot be limited under applicable law.

Standard legal boilerplate.

15. GOVERNING LAW

15.1 These Terms are governed by the laws of the Province of Ontario and the federal laws of Canada applicable therein, without regard to conflict-of-laws principles. The courts of Ontario have exclusive jurisdiction.

Required by the phase spec: Ontario/Canada jurisdiction (LR-TS-001 §5.8, P1-R70).

16. CHANGES TO THESE TERMS

16.1 We may update these Terms. We will notify you of material changes through the Service or by email. Your continued use of the Service after the effective date of the changes constitutes acceptance.

Standard legal boilerplate; no conflicting register decision.

17. CONTACT

17.1 For questions about these Terms, contact support at support@linkifyrewards.com.

Basis: LR-ENG-001 §2.12 (in-app support form feeding support@linkifyrewards.com; 24–48h response expectation).

18. GENERAL

18.1 Severability. If any provision of these Terms is found invalid or unenforceable, the remaining provisions continue in effect.

18.2 Entire agreement. These Terms, together with the Privacy Policy, are the entire agreement between you and Linkify regarding your use of the Service.

18.3 Waiver. Our failure to enforce a provision is not a waiver of it.

Standard legal boilerplate; no conflicting register decision.