Terms and Conditions of Use

Effective Date: 11 November 2025

Love Cashback Platform
Operated by Love Savings Group Limited
Company Number: 11734108
Registered Office: 124 City Road, London, EC1V 2NX, United Kingdom

IMPORTANT NOTICE

Please read these Terms of Use carefully before using the Love Cashback platform. By creating an account, accessing our website at www.lovecashback.ie, or using any of our mobile applications, browser extensions, or related services (collectively, the "Platform"), you acknowledge that you have read, understood, and agree to be bound by these Terms of Use ("Terms" or "Agreement").

If you do not agree to these Terms, you must discontinue use of the Platform immediately.

Consumer Rights Notice: As a consumer in Ireland, you have certain rights under Irish and European Union law that cannot be excluded or limited by contract. Nothing in these Terms affects your statutory rights.

ARTICLE 1: DEFINITIONS AND INTERPRETATION

1.1 Definitions

For purposes of this Agreement:

• "Account" means your registered user profile on the Platform.
• "Affiliate Network" means third-party intermediaries that facilitate commission payments between merchants and the Platform.
• "Approved Balance" means Rewards that have been validated by the merchant and credited to your Account as available for withdrawal.
• "Qualifying Transaction" means a Tracked Transaction that meets all eligibility requirements, including: (a) the transaction was initiated by you personally clicking an activation link on the Platform, (b) the purchase was completed in the same browsing session, and (c) any applicable Special Terms were satisfied. Only the first transaction per shopping session is eligible.
• "Cashback" or "Rewards" means commission-based rebates earned through qualifying purchases.
• "Consumer" means a natural person acting for purposes outside their trade, business, craft, or profession.
• "Data Protection Legislation" means the General Data Protection Regulation (EU) 2016/679 ("GDPR"), the Data Protection Act 2018, and any successor or replacement legislation.
• "Merchant" means any retailer, service provider, or business participating in the Platform's cashback program.
• "Minimum Threshold" means the minimum account balance required to request a withdrawal, currently twenty Euro (€20.00).
• "Payable Balance" means Approved Balance that has been funded by the merchant or Affiliate Network and is eligible for withdrawal.
• "Pending Rewards" means tracked transactions awaiting merchant validation.
• "Platform" means all websites, mobile applications, browser extensions, and services operated by Love Savings Group Limited under the Love Cashback brand for the Irish market.
• "Special Terms" means merchant-specific conditions, exclusions, or requirements applicable to individual offers.
• "Tracked Transaction" means a purchase identified by the Platform's affiliate tracking technology.
• "We," "us," "our," or "Love Cashback" means Love Savings Group Limited.
• "You" or "your" means the individual user of the Platform.

1.2 Interpretation

Headings are for convenience only. References to sections include subsections. Singular includes plural and vice versa. "Including" means "including without limitation." All monetary amounts are in Euro (€) unless otherwise specified.

1.3 Consumer Contracts

These Terms constitute a contract between a trader (Love Savings Group Limited) and a consumer (you). Your consumer rights under Irish and EU law cannot be excluded or limited by these Terms.

ARTICLE 2: ACCEPTANCE AND MODIFICATIONS

2.1 Binding Agreement

These Terms constitute a legally binding contract between you and Love Savings Group Limited. Additional policies including our Privacy Policy and Cookie Policy are incorporated by reference and form part of this Agreement.

2.2 Amendments

We may modify these Terms from time to time. Material changes will be communicated to you at least thirty (30) days in advance via email or in-platform notification. Changes become effective on the date specified in the notice. If you object to any modification, you may close your Account in accordance with Article 5 before the changes take effect. Your continued use of the Platform following the effective date of changes constitutes acceptance of the revised Terms.

2.3 Consumer Rights on Modification

In accordance with consumer protection law, if we make material changes that are to your detriment, you have the right to terminate this Agreement without penalty before the changes take effect. You will retain the right to withdraw any Payable Balance meeting the Minimum Threshold.

2.4 Additional Terms

Certain features, promotions, or merchant offers may be subject to Special Terms. Where Special Terms conflict with these Terms, the Special Terms shall govern solely with respect to that specific feature or offer, provided such Special Terms do not diminish your statutory consumer rights.

ARTICLE 3: ELIGIBILITY AND REGISTRATION

3.1 Age and Residency Requirements

To register an Account and receive Rewards, you must:

• Be at least eighteen (18) years of age;
• Be a legal resident of the Republic of Ireland;
• Possess legal capacity to enter into binding contracts under Irish law.

3.2 Account Limitations

Each individual may maintain only one (1) Account. Creation of multiple accounts is prohibited and may result in suspension or termination of all associated accounts without compensation, subject to your right to withdraw any Payable Balance.

3.3 Restricted Jurisdictions

We may deny or restrict access to users located in jurisdictions subject to European Union or United Kingdom economic sanctions, export controls, or where Platform operation would violate local law or pose elevated legal or financial risk.

3.4 Account Registration

During registration, you must provide accurate, current, and complete information. You agree to maintain and promptly update your Account information. Provision of false, misleading, or outdated information may result in Account suspension or termination.

3.5 Account Security

You are responsible for maintaining the confidentiality of your login credentials. You agree to notify us immediately of any unauthorized use of your Account. We are not liable for losses resulting from unauthorized access unless caused by our breach of duty or negligence.

3.6 International Access

While individuals outside Ireland may access the Platform for informational purposes, only Irish residents with a valid Irish bank account (IBAN), Irish PayPal account, or other approved Irish/EU payment method are eligible to earn and withdraw Rewards.

3.7 Right of Withdrawal

Under the European Communities (Consumer Information, Cancellation and Other Rights) Regulations 2013 and the Consumer Rights Directive, you have the right to withdraw from this contract within fourteen (14) days of registration without giving any reason. To exercise this right, contact us using the details in Article 25. If you have earned Rewards during the withdrawal period and wish to exercise your right of withdrawal, you may be required to pay us an amount proportionate to the service provided up to the time you communicate your withdrawal.

ARTICLE 4: HOW THE PLATFORM OPERATES

4.1 Commission-Based Model

Love Cashback operates as an affiliate marketing platform. When you complete a qualifying purchase through a tracked merchant link, that merchant or its Affiliate Network pays us a commission. We share a portion of that commission with you as Rewards.

4.2 No Guarantee of Commission

We do not guarantee that any particular transaction will result in commission payment. Commission rates, tracking success, and payment depend entirely on merchant policies, technical factors, and third-party systems beyond our reasonable control.

4.3 Merchant Relationships

We maintain independent relationships with merchants and Affiliate Networks. We are not an agent, employee, or representative of any merchant. Merchants may modify or terminate their participation in the Platform at any time without notice.

4.4 Offer Display

Rates displayed are known at time of publication but are subject to change without notice by the merchant or by the affiliate network. We make reasonable efforts to ensure accuracy but cannot guarantee the displayed rates match what is ultimately received. All rates are shown in Euro unless otherwise specified.

4.5 VAT Considerations

Cashback rewards are calculated based on the commission we receive from merchants. Depending on merchant policies, commissions may be calculated on pre-VAT or post-VAT amounts. The specific calculation method varies by merchant and is not within our control.

ARTICLE 5: ACCOUNT MANAGEMENT

5.1 Account Maintenance

You must maintain a valid email address and accept essential service communications related to Account security, policy changes, and legal notices. While you may opt out of marketing communications at any time, transactional and legal notifications are necessary for the performance of our contract.

5.2 Inactive Accounts

Accounts with no login activity for twelve (12) consecutive months are considered inactive. We may, after providing you with at least two (2) months' advance notice, assess a reasonable monthly maintenance fee against inactive Accounts. The fee amount will not exceed €2.00 per month and will be clearly disclosed in the notice.

5.3 Account Suspension

We may temporarily suspend your Account if:

• We reasonably suspect fraudulent activity or Terms violations;
• Your Account information is materially inaccurate or incomplete;
• Required identity verification is pending;
• We receive a court order or legal process requiring suspension;
• Technical or security issues necessitate suspension for the protection of the Platform or other users.

During suspension, you cannot earn new Rewards or request withdrawals. We will notify you of the suspension and the reasons for it unless prohibited by law. Suspension does not affect existing contractual obligations or your right to any Payable Balance upon resolution.

5.4 Voluntary Account Closure

You may request Account closure at any time by contacting customer support. This is in addition to your statutory right of withdrawal during the first fourteen (14) days. Before processing closure, we will:

• Display your current Approved Balance;
• Display any Pending Rewards;
• Provide you with the option to withdraw any Payable Balance meeting the Minimum Threshold.

5.5 Treatment of Balances Upon Closure

Upon Account closure:

• Payable Balance ≥ Minimum Threshold: You will be given reasonable opportunity to withdraw this balance before closure is processed.
• Approved Balance < Minimum Threshold but > €0: You will be given the option to: (a) wait until the balance reaches the Minimum Threshold, (b) accept the balance as a gift card if available, or (c) forfeit the balance. Under Irish consumer law, we will make reasonable efforts to facilitate payment of small balances.
• Pending Rewards: Pending Rewards that have been properly tracked and are awaiting merchant validation will continue to be processed. Once validated and approved by the merchant, they will be added to your Approved Balance and you will be notified. You will have a reasonable period (at least 90 days) to claim such amounts.
• Zero Balance: Closure is processed immediately.

5.6 Data Handling Post-Closure

Following Account closure, personal data is processed in accordance with our Privacy Policy and Data Protection Legislation. We will retain your personal data only for as long as necessary to comply with legal obligations (including tax, accounting, and anti-money laundering requirements). For these purposes, certain transaction records may be retained in pseudonymized form. Where legally permissible and following appropriate notice periods, fully anonymized data may be retained for statistical purposes.

5.7 Finality of Closure

Account closure is generally permanent. However, if merchant payments arrive within ninety (90) days of closure and can be attributed to you, we will make reasonable efforts to contact you and facilitate payment if the amount meets the Minimum Threshold.

5.8 Involuntary Termination

We may terminate your Account for:

• Material breach of these Terms that you fail to remedy within fourteen (14) days of written notice;
• Fraudulent or illegal activity;
• Serious or repeated violations of merchant terms that harm our business relationships;
• Interference with Platform operation or security;
• Other good cause, following reasonable notice where practicable.

Upon involuntary termination for cause, you retain the right to withdraw any Payable Balance that was legitimately earned prior to the breach. Rewards associated with fraudulent or illegal transactions will be forfeited.

5.9 Consumer Protection on Termination

Our right to terminate is subject to your rights under the Sale of Goods and Supply of Services Act 1980 and consumer protection legislation. Termination does not affect your accrued rights or remedies.

ARTICLE 6: EARNING REWARDS

6.1 Qualifying Transactions

To earn Rewards, you must:

• Access the merchant's website by clicking through a tracked link provided by the Platform;
• Complete your purchase in a single, uninterrupted browsing session immediately following click-through;
• Enable cookies and not use ad-blocking software, VPNs, private/incognito browsing modes, or other technologies that materially interfere with tracking;
• Not use any other cashback service, affiliate link, coupon extension, or referral link during the same session;
• Complete the transaction while the offer is active and before any stated expiration;
• Comply with all merchant terms of sale and any Special Terms applicable to the offer.

6.2 Tracking Technology

Rewards tracking relies on cookies, pixels, device identifiers, and third-party affiliate tracking systems, used in accordance with the ePrivacy Directive and Irish ePrivacy Regulations. Tracking may fail due to:

• User browser settings or privacy tools;
• Merchant technical issues;
• Affiliate Network errors;
• Network connectivity problems;
• Use of promotional codes not provided by the Platform;
• Multiple devices or browsers during a single transaction;
• Cart abandonment followed by later purchase without re-clicking.

We are not responsible for tracking failures caused by factors outside our reasonable control, but we will make reasonable efforts to investigate tracking issues you report.

6.3 Excluded Transactions

The following transactions do not qualify for Rewards unless expressly stated:

• Purchases of gift cards, store credit, or cash equivalents;
• Transactions using unauthorized coupon codes;
• Orders cancelled or returned by you or the merchant;
• Purchases made for commercial resale;
• Orders flagged as fraudulent by the merchant or payment processor;
• Transactions completed without proper tracking;
• Purchases violating merchant terms of service;
• Purchases of tobacco products or other restricted items where prohibited by law.

6.4 Reward Statuses

Rewards progress through the following statuses:

• Tracked: Click detected and transaction recorded but not yet validated by the merchant.
• Pending: Merchant has acknowledged the transaction but payment has not been received from the merchant or Affiliate Network.
• Approved: Merchant has approved the transaction, commission has been received, and the Reward is eligible for withdrawal.
• Paid: Reward has been withdrawn from your Account.
• Void: Transaction did not qualify under merchant terms or was rejected by the merchant.
• Reversed: Previously approved Reward has been reclaimed due to return, cancellation, or merchant chargeback.

6.5 Validation Timeline

Merchants typically validate transactions within thirty (30) to ninety (90) days, though timelines vary by merchant. Some merchants require significantly longer validation periods. Rewards remain Pending until merchant validation. We will notify you when Rewards are Approved or Void.

6.6 Commission Receipt

Rewards become Payable only after we receive commission payment from the merchant or Affiliate Network. Merchants may delay payment or decline payment if they determine a transaction does not qualify under their terms. We have no control over merchant validation or payment decisions.

6.7 Transparency

We will provide you with clear information about the status of your transactions and make reasonable efforts to update your Account promptly when we receive information from merchants.

ARTICLE 7: SPECIAL OFFER TERMS

7.1 Merchant-Specific Conditions

Individual offers may include Special Terms such as:

• Product category exclusions;
• Minimum purchase requirements;
• Maximum cashback limits;
• Geographic restrictions;
• New customer requirements;
• Coupon code restrictions;
• Limited-time availability.

7.2 User Responsibility

You are responsible for reviewing Special Terms before completing a transaction. Special Terms are displayed clearly on the relevant offer page. Failure to comply with Special Terms may result in the merchant declining the transaction for Rewards.

7.3 Changes to Offers

Merchants may modify or terminate offers. We will make reasonable efforts to update offer information promptly. The terms displayed at the time of your click-through govern your transaction, provided the transaction is properly tracked and completed during the offer period.

7.4 Misleading Information

If we become aware that offer information is materially inaccurate or misleading, we will correct it promptly. If you have relied on materially inaccurate information to your detriment, please contact us and we will address the matter in accordance with consumer protection principles.

ARTICLE 8: PAYMENTS AND WITHDRAWALS

8.1 Minimum Threshold

You may request withdrawal when your Payable Balance equals or exceeds the Minimum Threshold of twenty Euro (€20.00). Any change to the Minimum Threshold will require sixty (60) days' advance notice and will not apply to Rewards already Approved at the time of notice.

8.2 Payment Methods

Withdrawals may be processed via:

• SEPA bank transfer to an Irish or EU bank account;
• PayPal transfer to an Irish or EU PayPal account;
• Electronic gift cards;
• Charitable donation to Irish-registered charities;
• Other methods offered from time to time.

8.3 Payment Information

You must provide accurate payment details, including a valid IBAN for bank transfers. We are not responsible for:

• Delays or failures caused by incorrect information you provide;
• Reasonable fees charged by third-party payment processors or banks;
• Currency conversion fees;
• Failed payments due to closed or restricted recipient accounts.

However, we will not charge you excessive or unreasonable fees for payment processing.

8.4 Processing Time

Withdrawal requests are typically processed within fourteen (14) calendar days of approval. Delays may occur due to:

• Verification requirements;
• Bank or payment processor schedules;
• Technical issues;
• Anti-money laundering or fraud prevention checks.

We will notify you if your withdrawal will be delayed beyond fourteen (14) days and provide an explanation.

8.5 Verification Requirements

We may require identity verification before processing withdrawals to comply with anti-money laundering regulations under the Criminal Justice (Money Laundering and Terrorist Financing) Act 2010 (as amended). Verification may include:

• Government-issued photo identification;
• Proof of address;
• PPS Number for tax reporting purposes where required;
• Additional information for large payment amounts or unusual activity patterns.

We will process verification requests promptly. If you do not provide requested documentation within thirty (30) days, we may decline the withdrawal request but your Payable Balance will remain available for future withdrawal attempts.

8.6 Payment Failures

If a payment fails due to incorrect information you provided, we may assess a reasonable reprocessing fee not to exceed five Euro (€5.00), representing our actual costs. We will notify you of failed payments and provide an opportunity to correct the information.

8.7 Tax Responsibility

You are responsible for any tax obligations arising from Rewards received. Cashback rewards may be subject to income tax under Irish tax law depending on your circumstances. We may be required to report payments to the Revenue Commissioners. We recommend consulting a tax advisor regarding your specific situation. We do not provide tax advice.

8.8 Currency

All transactions are processed in Euro (€). If you select a payment method that requires currency conversion, you may incur conversion fees charged by your bank or payment provider.

ARTICLE 9: GIFT CARD REDEMPTIONS

9.1 Availability

Gift card options are subject to change based on third-party partner availability. We will make reasonable efforts to maintain a variety of gift card options.

9.2 Terms and Limitations

Gift cards are subject to:

• Issuer terms and conditions;
• Expiration dates set by the issuer (where permitted by law);
• Usage restrictions imposed by the issuer;
• Delivery delays caused by issuer or delivery systems.

9.3 Consumer Rights for Gift Cards

Under the European Parliament and Council Directive 2011/83/EU on Consumer Rights and Irish consumer protection law, gift cards issued to consumers are subject to specific protections including minimum validity periods. Gift card issuers must comply with applicable consumer protection requirements.

9.4 Refund Rights

Gift card redemptions are generally final. However, if a gift card is not delivered, is defective, or the issuer fails to honor it, please contact us immediately. We will investigate and, where appropriate, provide a refund or replacement in accordance with your consumer rights.

9.5 Identity Verification

To prevent fraud, we may require identity verification before processing gift card redemptions, particularly for high-value cards. Verification requirements will be proportionate and reasonable.

ARTICLE 10: ADJUSTMENTS AND REVERSALS

10.1 Error Correction

We may correct Reward amounts resulting from:

• Technical errors or system malfunctions;
• Obvious pricing or calculation mistakes;
• Incorrect commission data from merchants or Affiliate Networks;
• Duplicate tracking or crediting.

Where a manifest error has resulted in an excessive Reward being credited, we will notify you of the error and the correction. You will not be required to repay amounts already withdrawn unless the error resulted from fraud or bad faith on your part.

10.2 Merchant Clawbacks

If a merchant or Affiliate Network reverses commission payment for legitimate reasons, including:

• Product returns or cancellations;
• Chargebacks or payment disputes;
• Determination that the transaction did not qualify under merchant terms;
• Fraudulent transactions;

We may reverse the corresponding Reward. If the Reward has already been withdrawn, we may deduct the amount from future Rewards. We will notify you of reversals and provide an explanation.

10.3 Negative Balances

If reversals result in a negative balance and you have no future Rewards to offset this, we may request repayment of the negative amount. However, we will consider the circumstances and will not pursue repayment where:

• The reversal resulted from merchant error rather than your breach;
• You acted in good faith;
• The amount is de minimis (less than €5.00);
• Pursuing repayment would be unreasonable under consumer protection principles.

10.4 Timing of Adjustments

Adjustments will be made as soon as reasonably practicable after we become aware of the need for adjustment. We will notify you of material adjustments via email.

10.5 Abuse Detection

We employ fraud detection systems. Accounts exhibiting patterns consistent with abuse may have Rewards withheld pending investigation. We will notify you if we suspect abuse and provide an opportunity to respond before taking action, except where doing so would compromise our investigation or violate legal obligations.

ARTICLE 11: MISSING CASHBACK CLAIMS

11.1 Claim Period

If a qualifying transaction does not appear in your Account within forty-five (45) days of purchase, you may submit a missing cashback claim within one hundred and twenty (120) days of the original transaction date.

11.2 Required Documentation

Claims must include:

• Order confirmation email or receipt;
• Transaction date and amount;
• Merchant name;
• Proof of payment;
• Confirmation that you clicked through the Platform immediately before purchase.

11.3 Claim Review

We will investigate claims promptly and in good faith. We will respond to your claim within twenty-eight (28) days with either:

• Approval of the claim and crediting of Rewards;
• A request for additional information;
• An explanation of why the claim cannot be approved.

11.4 Merchant Cooperation

Claim approval depends on merchant cooperation. Many merchants do not accept manual claims or provide retroactive tracking information. We will make reasonable efforts to follow up with merchants but cannot guarantee resolution.

11.5 Ineligible Claims

We cannot approve claims for:

• Transactions that were tracked but rejected by the merchant for legitimate reasons;
• Purchases that do not meet qualifying transaction requirements;
• Orders from merchants who do not participate in manual claims;
• Transactions where adequate documentation cannot be provided.

If your claim is declined, we will explain the reason and, where applicable, your options for further recourse.

ARTICLE 12: UNCLAIMED PROPERTY AND DORMANT ACCOUNTS

12.1 Dormancy Period

If your Account remains inactive (no login activity) for three (3) consecutive years and contains an Approved Balance, we will make reasonable efforts to contact you at your last known email address and postal address (if provided).

12.2 Dormant Accounts Fund

Ireland has established the Dormant Accounts Fund under the Dormant Accounts Acts 2001-2012. After making reasonable efforts to contact you, unclaimed balances may be transferred to the Dormant Accounts Fund as required by Irish law.

12.3 Notice Requirements

Before transferring funds to the Dormant Accounts Fund, we will:

• Send notice to your last known email address;
• If we have a postal address, send notice by registered post;
• Provide at least ninety (90) days from the date of notice before transferring funds;
• Publish information about unclaimed accounts as required by law.

12.4 Claiming Dormant Funds

If your funds have been transferred to the Dormant Accounts Fund, you retain the right to reclaim them. You may:

• Contact us to request repayment, and we will facilitate the claim process; or
• Apply directly to the National Treasury Management Agency (NTMA).

There is no time limit on your right to reclaim dormant funds.

12.5 Small Balances

Balances below €10.00 may be handled in accordance with applicable law, which may permit different treatment than amounts subject to the Dormant Accounts Acts.

ARTICLE 13: REFERRAL PROGRAM

13.1 Program Terms

Our referral program, when offered, allows users to earn bonuses by inviting new users. Program terms, bonus amounts, and qualifying conditions will be clearly communicated and are subject to change with reasonable notice.

13.2 Fraud Prevention

We reserve the right to:

• Investigate and decline referral bonuses suspected of fraud or abuse;
• Set reasonable limits on referrals per user;
• Terminate accounts engaged in fraudulent referral practices;
• Require verification before paying referral bonuses.

Any action taken will be proportionate and accompanied by an explanation.

13.3 Program Modifications

We may modify, suspend, or terminate the referral program with reasonable notice. Bonuses already earned and approved at the time of termination will remain payable.

ARTICLE 14: INTELLECTUAL PROPERTY

14.1 Ownership

All content, software, designs, logos, trademarks, and other intellectual property on the Platform are owned by Love Savings Group Limited or our licensors and are protected by United Kingdom, Irish, European Union, and international intellectual property laws.

14.2 Limited Licence

We grant you a limited, non-exclusive, non-transferable, revocable licence to access and use the Platform for personal, non-commercial purposes in accordance with these Terms. This licence does not permit:

• Reproduction, distribution, modification, or creation of derivative works;
• Commercial exploitation of Platform content;
• Use of automated tools to access, scrape, or extract data;
• Reverse engineering or decompilation of Platform software;
• Removal of proprietary notices or labels.

14.3 Trademark Usage

You may not use Love Cashback trademarks, logos, or branding without prior written permission. Unauthorized use may constitute trademark infringement.

14.4 Third-Party Intellectual Property

Merchant names, logos, and trademarks displayed on the Platform are the property of their respective owners. Display on the Platform does not imply endorsement of Love Cashback by such merchants.

ARTICLE 15: THIRD-PARTY SERVICES AND MERCHANTS

15.1 Independent Relationships

Love Cashback acts as an intermediary facilitating commission-based rewards. We are not responsible for:

• Merchant products, services, or conduct;
• Merchant website content, privacy practices, or security;
• Order fulfilment, shipping, or customer service;
• Product quality, safety, or legality;
• Merchant terms of sale or return policies.

15.2 Your Consumer Rights with Merchants

When you purchase from a merchant, you enter into a separate contract with that merchant. Your consumer rights under the Sale of Goods and Supply of Services Act 1980, Consumer Rights Act 2022, and EU Consumer Rights Directive apply to that contract. You should exercise these rights directly with the merchant.

15.3 Merchant Disputes

All disputes regarding purchased products or services must be resolved directly with the merchant. We are not a party to your transaction with the merchant and cannot process returns, exchanges, or refunds. However, if you have been unable to resolve a dispute with a merchant and believe this affects your eligibility for Rewards, please contact us.

15.4 Third-Party Links

The Platform contains links to third-party websites. We do not control or endorse linked sites and are not responsible for their content, privacy practices, or terms of use. Access to third-party sites is at your own risk.

15.5 Age-Restricted Products

Some merchants sell age-restricted products such as alcohol or tobacco. You are solely responsible for ensuring compliance with all applicable Irish and EU age and legal restrictions, including but not limited to the Public Health (Alcohol) Act 2018 and the Public Health (Tobacco) Acts.

ARTICLE 16: PROHIBITED CONDUCT

16.1 General Prohibitions

You agree not to:

• Violate any applicable Irish, EU, or UK law, regulation, or third-party right;
• Use the Platform for fraudulent, illegal, or unauthorized purposes;
• Share, distribute, or publish your unique tracking links for others to use;
• Interfere with Platform security, integrity, or operation;
• Attempt to gain unauthorized access to any Account, system, or network;
• Use automated tools, bots, or scripts to access the Platform in a manner that imposes unreasonable load;
• Transmit viruses, malware, or other harmful code;
• Harass, threaten, or impersonate others;
• Manipulate tracking systems or engage in click fraud;
• Create multiple accounts or use others' accounts;
• Exploit errors or vulnerabilities for personal gain without reporting them;
• Purchase products for commercial resale through the Platform without disclosure.

16.2 Enforcement

Violation of these prohibitions may result in:

• Warning and request to cease the conduct;
• Temporary suspension of Account;
• Termination of Account;
• Forfeiture of Rewards associated with prohibited conduct;
• Referral to law enforcement where appropriate;
• Legal action to recover damages.

Enforcement actions will be proportionate to the violation.

ARTICLE 17: PRIVACY AND DATA PROTECTION

17.1 Privacy Policy

Our collection, use, and disclosure of personal data is governed by our Privacy Policy, available at www.lovecashback.ie/privacy, which complies with the GDPR and Data Protection Act 2018.

17.2 Your Data Protection Rights

Under the GDPR and Data Protection Act 2018, you have the following rights:

• Right of access: You can request a copy of your personal data.
• Right to rectification: You can request correction of inaccurate personal data.
• Right to erasure: You can request deletion of your personal data in certain circumstances.
• Right to restriction: You can request restriction of processing in certain circumstances.
• Right to data portability: You can request your data in a structured, commonly used format.
• Right to object: You can object to processing based on legitimate interests or for direct marketing.
• Rights related to automated decision-making: You have rights regarding automated decisions that significantly affect you.

To exercise these rights, contact us using the details in Article 25.

17.3 Data Protection Officer

You may contact our Data Protection Officer regarding any data protection concerns at the address provided in Article 25.

17.4 Communications Consent

By creating an Account, you consent to receive essential service communications necessary for the performance of our contract. You may opt out of marketing communications at any time. We comply with the ePrivacy Directive and Irish ePrivacy Regulations regarding electronic communications.

17.5 Cookie Usage

The Platform uses cookies and similar tracking technologies in accordance with the ePrivacy Directive and Irish ePrivacy Regulations. Our Cookie Policy, available at www.lovecashback.ie/cookies, explains how these technologies function and your choices regarding them. You can manage cookie preferences at any time.

17.6 Supervisory Authority

You have the right to lodge a complaint with the Data Protection Commission (Ireland's supervisory authority for data protection) if you believe we have violated your data protection rights. Contact details: Data Protection Commission, 21 Fitzwilliam Square South, Dublin 2, D02 RD28, Ireland.

ARTICLE 18: WARRANTIES AND REPRESENTATIONS

18.1 Our Commitment

We will provide the Platform with reasonable skill and care and in accordance with these Terms.

18.2 Service Availability

We will make reasonable efforts to ensure the Platform is available but do not guarantee uninterrupted or error-free service. We may suspend or restrict access for maintenance, updates, or technical issues. Where practicable, we will provide advance notice of planned maintenance.

18.3 Information Accuracy

We make reasonable efforts to ensure information on the Platform is accurate and current, but we do not warrant that:

• All transactions will be tracked or result in Rewards;
• Merchants will validate transactions or pay commissions;
• Rewards will be paid in any specific timeframe;
• All Platform content is accurate, complete, or current;
• All defects or errors will be corrected.

18.4 Third-Party Services

We are not responsible for:

• Merchant acts, omissions, products, or services;
• Third-party website content or conduct;
• Affiliate Network errors or failures;
• Tracking technology malfunctions beyond our reasonable control.

18.5 Consumer Rights

Nothing in these Terms excludes or limits your statutory rights as a consumer under Irish and EU law, including your rights under the Sale of Goods and Supply of Services Act 1980, Consumer Rights Act 2022, and European Union (Consumer Information, Cancellation and Other Rights) Regulations 2013. These rights include rights in relation to services not performed with reasonable skill and care.

ARTICLE 19: LIMITATION OF LIABILITY

19.1 Unlimited Liability

Nothing in these Terms excludes or limits our liability for:

• Death or personal injury caused by our negligence;
• Fraud or fraudulent misrepresentation;
• Any liability which cannot be excluded or limited under Irish or EU law.

19.2 Liability for Breach

If we breach these Terms, we are liable for foreseeable loss and damage caused by the breach. Loss or damage is foreseeable if it is an obvious consequence of our breach or if it was contemplated by both parties at the time of entering into this contract.

19.3 Limited Liability for Certain Matters

To the extent permitted by law, our total liability for any claims arising from or related to the Platform or these Terms (other than for matters covered by Article 19.1) shall not exceed:

• For claims related to specific Rewards: the value of those Rewards;
• For other claims: the greater of (a) one hundred Euro (€100), or (b) the total amount of Payable Balance withdrawn from your Account in the twelve (12) months preceding the claim.

19.4 Excluded Losses

To the extent permitted by law, we are not liable for:

• Losses that were not foreseeable to both parties when the contract was formed;
• Losses caused by your breach of these Terms;
• Business losses (if you are using the Platform for business purposes);
• Losses caused by events beyond our reasonable control.

19.5 Consumer Protection

As a consumer, you have legal rights in relation to services not carried out with reasonable skill and care, or if the materials used are faulty or not as described. These Terms do not affect these rights. For advice about your rights, contact the Competition and Consumer Protection Commission or visit www.ccpc.ie.

19.6 Proportionality

Any limitations on liability in these Terms are fair and proportionate given:

• The free nature of the Platform service (we only profit when you earn Rewards);
• The nature of commission-based rewards;
• Our dependence on third-party merchants and Affiliate Networks;
• The value of services provided.

ARTICLE 20: INDEMNIFICATION

20.1 Your Indemnification Obligation

To the extent permitted by law and proportionate to the circumstances, you agree to indemnify Love Savings Group Limited against claims arising from:

• Your fraudulent use or misuse of the Platform;
• Your deliberate or reckless breach of these Terms;
• Your violation of third-party rights;
• Your illegal conduct.

This indemnification does not apply to claims arising from our negligence, breach of contract, or where you have acted reasonably and in good faith.

20.2 Consumer Protection

This Article does not apply in a manner that would be unfair or contrary to Irish consumer protection law.

ARTICLE 21: COMPLIANCE AND ANTI-MONEY LAUNDERING

21.1 Anti-Money Laundering and Counter-Terrorist Financing

We comply with the Criminal Justice (Money Laundering and Terrorist Financing) Acts 2010-2021. We reserve the right to:

• Conduct customer due diligence and request identity verification documents;
• Report suspicious transactions to An Garda Síochána and the Revenue Commissioners as required by law;
• Delay, freeze, or refuse transactions that raise compliance concerns;
• Terminate Accounts involved in suspected money laundering or terrorist financing.

21.2 Economic Sanctions Compliance

We comply with EU sanctions regulations and restrictive measures. You represent that you are not:

• Subject to EU or Irish economic sanctions;
• Identified on any EU or Irish sanctions list;
• Located in a jurisdiction subject to comprehensive EU sanctions;
• Owned or controlled by such a person or entity.

21.3 Cooperation

You agree to cooperate with compliance investigations and provide requested documentation within reasonable timeframes. We will minimize information requests and protect your privacy to the extent possible.

21.4 Record Keeping

We maintain transaction records as required by anti-money laundering legislation, typically for at least five (5) years following the end of a business relationship.

ARTICLE 22: DISPUTE RESOLUTION

22.1 Complaints Procedure

If you have a complaint about our service, please contact us using the details in Article 25. We will:

• Acknowledge your complaint within five (5) business days;
• Investigate the matter fairly and promptly;
• Provide a substantive response within twenty-eight (28) days, or if more time is needed, inform you of the delay and expected resolution timeframe.

22.2 Informal Resolution

We encourage you to contact us to attempt informal resolution before pursuing formal proceedings. Most disputes can be resolved through good faith discussion.

22.3 Small Claims Court

For claims within its jurisdiction, you may bring proceedings in the Small Claims Court, which provides a simple and inexpensive way to resolve consumer disputes up to €2,000.

22.4 Alternative Dispute Resolution

If we cannot resolve your complaint internally, you may refer the matter to:

• Financial Services and Pensions Ombudsman: If the complaint relates to financial services aspects. Contact: Lincoln House, Lincoln Place, Dublin 2, D02 VH29. Website: www.fspo.ie
• European Online Dispute Resolution Platform: For online purchase disputes. Website: https://ec.europa.eu/consumers/odr

We commit to participating in good faith in any alternative dispute resolution procedure you initiate through these bodies, where applicable.

22.5 Court Proceedings

You have the right to bring proceedings in the Irish courts. Legal proceedings related to these Terms may be brought in the courts of Ireland. You may also have the right to bring proceedings in the courts of another EU member state where you are domiciled.

22.6 No Class Actions

To the extent permitted by Irish law, disputes will be resolved on an individual basis and not as part of a class action.

22.7 Limitation Period

Claims must generally be brought within six (6) years of the date the cause of action accrues, in accordance with the Statute of Limitations 1957.

ARTICLE 23: GOVERNING LAW AND JURISDICTION

23.1 Governing Law

These Terms shall be governed by and construed in accordance with the laws of Ireland.

23.2 Jurisdiction

The courts of Ireland have jurisdiction to hear disputes arising from or related to these Terms. If you are a consumer habitually resident in another EU member state, you may also bring proceedings in the courts of that member state.

23.3 EU Consumer Protection

Nothing in these Terms affects your rights as a consumer under mandatory provisions of EU law or the law of the EU member state in which you habitually reside.

ARTICLE 24: MISCELLANEOUS PROVISIONS

24.1 Entire Agreement

These Terms, together with the Privacy Policy, Cookie Policy, and any Special Terms, constitute the entire agreement between you and Love Savings Group Limited regarding the Platform and supersede all prior understandings and agreements.

24.2 Severability

If any provision of these Terms is held to be invalid, illegal, or unenforceable, the invalid provision shall be modified to the minimum extent necessary to make it valid and enforceable, or if this is not possible, shall be severed. The remaining provisions shall continue in full force and effect.

24.3 Waiver

Our failure to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision unless we acknowledge and agree to the waiver in writing.

24.4 Assignment

You may not assign or transfer these Terms or your Account without our prior written consent. We may assign these Terms to another entity, provided your rights are not materially diminished. We will notify you of any assignment. Any attempted assignment in violation of this section is void.

24.5 Force Majeure

Neither party shall be liable for delay or failure to perform obligations resulting from causes beyond reasonable control, including acts of God, war, terrorism, pandemics, strikes, government action, or internet failures, provided the affected party notifies the other party promptly and uses reasonable efforts to mitigate the impact.

24.6 Relationship of Parties

These Terms do not create any agency, partnership, joint venture, employment, or franchise relationship. Each party is an independent contractor.

24.7 Notices

Legal notices to you will be provided via email to the address on file or by posting to the Platform. Notices are deemed received:

• When sent via email (unless you receive a delivery failure notification);
• When posted to the Platform;
• Three (3) business days after posting by registered mail.

Notices to us should be sent to the address provided in Article 25.

24.8 Third-Party Rights

These Terms do not confer rights on any third party under the Contracts (Rights of Third Parties) Act 1999 or equivalent Irish legislation.

24.9 Survival

Provisions that by their nature should survive termination shall survive, including: intellectual property rights, liability limitations, indemnification (where applicable), governing law, and dispute resolution provisions.

24.10 Interpretation

In the event of any inconsistency between these Terms and any translation, the English version shall prevail for interpretation purposes, but this does not affect your consumer rights.

24.11 Electronic Acceptance

Your electronic acceptance of these Terms constitutes a binding agreement in accordance with the Electronic Commerce Act 2000.

ARTICLE 25: CONTACT INFORMATION

25.1 Customer Support

For questions, concerns, or assistance regarding your Account or these Terms, please contact:

Love Cashback Customer Support
Website: www.lovecashback.ie/support
Email: [email protected]

25.2 Legal and Compliance Inquiries

For legal notices, complaints, or compliance matters:

Love Savings Group Limited
Legal Department
124 City Road
London, EC1V 2NX
United Kingdom
Email: [email protected]

25.3 Data Protection Officer

For data protection inquiries and to exercise your GDPR rights:

Data Protection Officer
Love Savings Group Limited
Email: [email protected]

25.4 Irish Representative

Data Protection Offer details in 25.3.

ARTICLE 26: QUICK REFERENCE SUMMARY

This summary is provided for convenience only and is not legally binding. The complete Terms above govern your use of the Platform. Nothing in this summary affects your statutory consumer rights.

How Love Cashback Works

• We earn commissions when you shop through our merchant links
• We share a portion of that commission with you as cashback rewards
• Tracking relies on cookies (with your consent) and affiliate technology
• Rewards must be validated by merchants before becoming payable

Key Requirements

• Must be 18+ and an Irish resident
• Only one account per person
• Must click through our links immediately before purchase
• Cannot use ad blockers, VPNs, or other tracking interference
• Must comply with merchant terms and any special offer conditions

Payment Terms

• Minimum withdrawal: €20.00
• Payment methods: SEPA transfer, PayPal, gift cards, charity
• Processing time: typically within 14 calendar days
• Identity verification may be required for AML compliance
• Consult a tax advisor regarding potential tax obligations

Account Closure

• You can close your account at any time
• You'll have opportunity to withdraw balances ≥ €20
• Small balances may be offered as gift cards or may be forfeited
• Pending rewards continue to be processed for a reasonable period

Your Consumer Rights

• 14-day right of withdrawal from this contract
• Services must be provided with reasonable skill and care
• Rights under Irish Sale of Goods and Supply of Services Act
• Rights under EU Consumer Rights Directive
• Right to complain to the Financial Services and Pensions Ombudsman
• Right to bring proceedings in Irish courts
• Nothing in these Terms affects these rights

Your Data Protection Rights

• We comply with GDPR and Irish Data Protection Act 2018
• You have rights to access, rectify, erase, and port your data
• You can object to processing and withdraw consent
• You can complain to the Data Protection Commission
• Cookies require your consent

Important Limitations

• We don't guarantee all transactions will be tracked or paid
• Merchants control whether rewards are approved
• We can reverse rewards for returns or merchant chargebacks
• We provide services with reasonable skill and care
• We are not liable for losses beyond what is reasonable and foreseeable
• Nothing limits our liability for death, personal injury, or fraud

Dispute Resolution

• Contact us first - we have a complaints procedure
• You can use the Small Claims Court for claims up to €2,000
• You can contact the Financial Services and Pensions Ombudsman
• You can use the EU Online Dispute Resolution platform
• You have the right to bring court proceedings in Ireland

Useful Resources

• Competition and Consumer Protection Commission: www.ccpc.ie - Consumer rights advice
• Data Protection Commission: www.dataprotection.ie - Data protection queries
• Financial Services and Pensions Ombudsman: www.fspo.ie - Financial complaints
• Citizens Information: www.citizensinformation.ie - General consumer information

BY USING THE LOVE CASHBACK PLATFORM, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS OF USE.

NOTHING IN THESE TERMS AFFECTS YOUR STATUTORY RIGHTS AS A CONSUMER UNDER IRISH AND EUROPEAN UNION LAW.

© 2026 Love Savings Group Limited. All rights reserved.