Last updated: January 14, 2026
The websites, mobile applications, and other digital experiences that are owned, operated, managed, partnered with or powered by Integrated Rewards Inc. (“Integrated Rewards”, “IR”, “Company”, “we”, “us”, or “our”) are collectively referred to as the “Platform”.
Integrated Rewards Inc. builds, manages, operates and issues cashback on rewards platforms, including white label, custom, and network-distributed programs, for itself and on behalf of third parties. These Platforms may include, without limitation, Paymi, Save.ca Cashback, CST Rewards, Affina, and other current or future programs powered by Integrated Rewards.
These Terms of Use (“Terms”) govern your access to and use of the Platform and all related services, features, content, and offerings provided by Integrated Rewards (collectively, the “Service”).
By accessing or using the Platform or the Service, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree to these Terms, you must not access or use the Platform or the Service.
If you access the Service through a third party partner, financial institution, loyalty program, or distribution partner, your use of the Service may also be subject to additional terms imposed by that partner, which may differ from these Terms.
Agreement
“Agreement” means these Terms of Use, together with any policies, guidelines, notices, or supplemental terms referenced herein, including the Privacy Policy, as may be updated from time to time.
Member
“Member” means any individual, company, or organization that accesses or uses the Service and for whom an account has been created or is in the process of being created within Integrated Rewards’ systems.
Merchant
“Merchant” means any retailer, brand, or service provider that makes offers available to Members through the Platform or the Service.
Platform
“Platform” means any website, mobile application, embedded experience, white label program, or custom rewards or cashback platform that is owned, operated, managed, or powered by Integrated Rewards Inc.
Network Partner
“Network Partner” means a third party financial institution, loyalty program, or distribution partner that makes Integrated Rewards offers available to its members through its own platform or channels.
Offer Related Purchase
“Offer Related Purchase” means a qualifying transaction made by a Member in accordance with the terms and conditions of a specific Merchant offer, whether completed online or in-store, and whether initiated through the Platform or through a Network Partner.
Service
“Service” means all cashback, rewards, content, technology, and related services provided by Integrated Rewards through the Platform.
User, Member, You, Your
“User”, "Member", “You”, and “Your” refer to any person or entity accessing or using the Platform or the Service.
Your privacy is important to us. Please review the Integrated Rewards Privacy Policy available at www.integratedrewards.ca/privacy-policy
By accessing or using the Service, you consent to the collection, use, and disclosure of your personal information in accordance with the Privacy Policy. Integrated Rewards does not store banking login credentials and does not disclose personally identifiable transaction data to Merchants.
You must be the age of majority in your jurisdiction of residence to use the Service. By registering for or using the Service, you represent and warrant that you meet this requirement.
You are responsible for maintaining the confidentiality of your account credentials. Integrated Rewards is entitled to rely on instructions received through your account and is not responsible for unauthorized activity resulting from your failure to safeguard your credentials.
You agree to provide accurate, current, and complete information and to keep your account information up to date.
Cashback awards are only issued for qualifying Offer-Related Purchases that meet all conditions of the applicable Merchant offer.
• whether the offer is accessed directly through an Integrated Rewards Platform, or
• whether the offer is accessed through a Network Partner
Identical transactions that are recorded on multiple Integrated Rewards-powered platforms may or may not be rewarded more than once.
Disputes related to missing or incorrect cashback must be submitted within thirty (30) days of the transaction date. After this period, eligibility for review or adjustment expires.
Certain offers may be made available to Members through Network Partners. Integrated Rewards does not control the platforms, systems, or communications of Network Partners and is not responsible for their availability, functionality, or policies.
Network Partners may impose additional terms, conditions, or eligibility requirements on their members. Integrated Rewards is not responsible for the enforcement or interpretation of Network Partner terms.
Features, offers, redemption methods, minimum thresholds, currency, cashout methods and availability may vary depending on the Platform or Network Partner through which the Service is accessed.
Integrated Rewards reserves the right to modify, suspend, or discontinue any aspect of the Service on a Platform-specific or partner-specific basis.
Cashback awards are redeemed through the Platform in accordance with the redemption options made available at the time of redemption.
Redemption methods may include, but are not limited to, electronic funds transfer, gift cards, or other payout methods as determined by Integrated Rewards or a Network Partner. Available redemption methods may vary by Platform or Network Partner.
Integrated Rewards reserves the right to set minimum redemption thresholds and to charge a transaction or processing fee where applicable. Any applicable minimum thresholds or fees will be disclosed to the Member prior to completing a redemption.
Once a redemption has been processed, it cannot be reversed.
Members acknowledge and agree that cashback awards and redeemed funds are not held in trust by Integrated Rewards. Integrated Rewards may commingle Member funds with its own funds or the funds of other Members and may hold such funds in any account it deems appropriate.Cashback awards are redeemed through the Platform in accordance with the redemption options made available at the time of redemption.
Integrated Rewards is not a fiduciary and owes no fiduciary duties to any Member. Member funds may be used to support the operations of Integrated Rewards.
Certain features of the Service require Members to link payment accounts or financial institution accounts.
Where a Member registers or accesses the Service through a financial institution or Network Partner, account connections may be established directly through that partner’s systems.
Where a Member links an account outside of a financial institution managed flow, the Member authorizes Integrated Rewards to access third party websites, systems, or data sources designated by the Member in order to retrieve transaction information necessary to operate the Service.
By using the Service, you appoint Integrated Rewards as your agent solely for the purpose of accessing and retrieving such information on your behalf. Integrated Rewards acts as your agent and not as an agent of any third party account provider.
Integrated Rewards does not store banking login credentials and does not initiate financial transactions on your behalf. Access is limited to retrieving transaction data required to determine offer eligibility and award issuance.
Integrated Rewards is not responsible for the availability, accuracy, or security practices of third party account providers.
YOU EXPRESSLY UNDERSTAND AND AGREE THAT YOUR USE OF THE PLATFORM AND THE SERVICE IS AT YOUR SOLE RISK.
THE PLATFORM AND THE SERVICE ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. INTEGRATED REWARDS EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.
INTEGRATED REWARDS DOES NOT WARRANT THAT:
(i) THE PLATFORM OR SERVICE WILL MEET YOUR REQUIREMENTS
(ii) THE PLATFORM OR SERVICE WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE
(iii) RESULTS OBTAINED FROM USE OF THE SERVICE WILL BE ACCURATE OR RELIABLE
(iv) MERCHANT PRODUCTS OR SERVICES WILL MEET YOUR EXPECTATIONS
(v) ANY ERRORS OR DEFECTS WILL BE CORRECTED
ANY MATERIAL ACCESSED OR OBTAINED THROUGH THE PLATFORM IS DONE AT YOUR OWN DISCRETION AND RISK.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, INTEGRATED REWARDS AND ITS AFFILIATES, SERVICE PROVIDERS, AND PARTNERS SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES, INCLUDING LOSS OF PROFITS, DATA, GOODWILL, OR OTHER INTANGIBLE LOSSES, ARISING FROM OR RELATING TO:
(i) YOUR USE OR INABILITY TO USE THE PLATFORM OR SERVICE
(ii) ANY OFFER, MERCHANT PRODUCT, OR TRANSACTION
(iii) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR DATA
(iv) STATEMENTS OR CONDUCT OF THIRD PARTIES
(v) NETWORK PARTNER OR THIRD PARTY SYSTEM FAILURES
(vi) DUPLICATE, MISSED, OR DENIED CASHBACK AWARDS
Some jurisdictions do not allow certain exclusions or limitations, and some limitations may not apply to you.
You retain ownership of your personal and confidential account information.
By using the Service, you grant Integrated Rewards a perpetual, non-exclusive, transferable, sub-licensable, royalty-free, worldwide license to use transaction and account data for the purpose of operating, improving, and providing the Service.
Integrated Rewards may use, analyze, sell, license, and disclose aggregated and anonymized data derived from Member activity. Such data does not identify individual Members and does not include personally identifiable transaction details.
Integrated Rewards does not disclose personally identifiable transaction data to Merchants.
Integrated Rewards may communicate with Members electronically, including by email, in-app messaging, or other electronic means.
By using the Service, you consent to receive electronic communications from Integrated Rewards related to your account, offers, rewards, and the operation of the Service.
Integrated Rewards is responsible for compliance with applicable laws governing communications sent by Integrated Rewards-operated Platforms, including Canada’s Anti-Spam Legislation (CASL).
Communications sent by Network Partners or Merchants are governed by their own policies and legal obligations.
You may withdraw consent to non-essential communications at any time in accordance with applicable law. To do so, please email us at support@integratedrewards.com
If a Member returns, cancels, or receives a refund for an Offer Related Purchase, the associated cashback award will be reversed.
If a partial return is processed, the cashback award may be reduced proportionally.
Integrated Rewards reserves the right to reverse or withhold cashback awards where a transaction is determined to be ineligible, reversed, refunded, disputed, fraudulent, or otherwise non-qualifying.
Integrated Rewards reserves the right to suspend or terminate a Member account at its discretion for misuse of the Service, violation of these Terms, fraud, gaming behaviour, or any activity deemed harmful to the Platform or its partners.
If a Member account remains inactive for a continuous period of three (3) months, Integrated Rewards may designate the account as dormant.
Members will be notified prior to account deactivation and provided a reasonable opportunity to reactivate their account. If an account is terminated following dormancy, any unredeemed cashback balance may be forfeited.
All content, software, designs, logos, trademarks, service marks, and other materials made available through the Platform are owned by or licensed to Integrated Rewards or its licensors and are protected by applicable intellectual property laws.
Nothing in this Agreement grants you any right, title, or interest in or to any Integrated Rewards intellectual property.
Platform-specific trademarks, including those of Merchants and Network Partners, remain the property of their respective owners.
You agree not to use the Platform or Service in a manner that:
- violates applicable laws or regulations
- interferes with or disrupts Platform operations
- attempts unauthorized access to systems or data
- misrepresents identity or eligibility
- exploits or manipulates offer mechanics
Integrated Rewards may take technical or legal action to prevent or address violations.
You may not transmit or upload content that is unlawful, misleading, abusive, defamatory, discriminatory, malicious, or otherwise harmful. Integrated Rewards reserves the right to remove content or suspend access where prohibited conduct is identified.
The Platform may include content from Merchants or third parties. Integrated Rewards does not control or endorse third party content unless explicitly stated. Your interaction with third party content is at your own risk.
You may stop using the Service at any time. Integrated Rewards may terminate or suspend access to the Platform immediately if you violate these Terms or engage in prohibited or unlawful activity. Termination does not affect accrued rights or obligations.
Integrated Rewards may modify these Terms at any time. Updated Terms will be posted on the Platform. Continued use of the Service after posting constitutes acceptance of the revised Terms.
These Terms are governed by the laws of the Province of Ontario and the federal laws of Canada applicable therein. You agree to the exclusive jurisdiction of the courts located in Toronto, Ontario.
If any provision of these Terms is found unenforceable, the remaining provisions will remain in full force and effect.
Integrated Rewards may assign these Terms without restriction. You may not assign your rights or obligations without prior written consent.
These Terms, together with the Privacy Policy and any applicable Platform Addendum, constitute the entire agreement between you and Integrated Rewards.
