Terms of Service

These Terms of Service ("Terms") govern access to and use of the QIFTS platform — including the dashboard, API, and any associated services — by business customers ("Customers") who have entered into a platform agreement with QIFTS. QIFTS is a B2B platform. These Terms do not apply to end-recipients of rewards issued through the platform. If you are a consumer who received a reward card or voucher, please contact the company that issued it to you. By accessing the QIFTS platform or signing a platform agreement, you agree to these Terms.

Subject to these Terms and payment of applicable fees, QIFTS grants Customers a non-exclusive, non-transferable right to access and use the QIFTS platform for the purpose of issuing and managing rewards to their intended recipients. Customers may not: (a) resell or sublicense platform access to third parties without prior written agreement; (b) use the platform for any purpose that violates applicable law; (c) reverse-engineer or attempt to extract the underlying source code or infrastructure of the platform; or (d) use the platform in any way that disrupts its integrity or availability.

Customers are responsible for: – Ensuring their use of the platform complies with all applicable laws in the markets they operate in, including consumer protection, data protection, and financial regulation requirements – The accuracy of recipient data uploaded or transmitted through the platform – Obtaining any necessary consents from their end-recipients for the collection and processing of personal data – Maintaining the security of API credentials and dashboard access credentials – All rewards issued and any associated liabilities to end-recipients QIFTS is infrastructure. We provide the rails. Customers are responsible for what runs on them.

Each Customer's use of the platform in relation to personal data is governed by a Data Processing Agreement, which forms part of the platform agreement. Customers act as data controllers for recipient data. QIFTS acts as data processor. Our Privacy Policy at qifts.com/privacy describes how we handle data in relation to platform operations and website visitors.

Platform fees are set out in each Customer's platform agreement. Fees are invoiced as agreed and are due within the period specified in the agreement. QIFTS reserves the right to suspend platform access for accounts with overdue balances, following reasonable notice.

QIFTS operates the platform with a target availability commitment set out in each platform agreement. We do not guarantee uninterrupted access but will use reasonable endeavours to minimise downtime and communicate planned maintenance in advance. Support is available to Customers via the channels set out in their platform agreement.

All intellectual property rights in the QIFTS platform, infrastructure, brand catalogue, and associated technology remain owned by QIFTS or its licensors. Nothing in these Terms transfers any ownership rights to Customers. Customers retain all rights to their own data, branding, and content uploaded to the platform.

To the maximum extent permitted by applicable law, QIFTS's aggregate liability to a Customer for any claims arising under or in connection with these Terms shall not exceed the total fees paid by that Customer in the three months preceding the claim. QIFTS is not liable for indirect, incidental, or consequential losses, including loss of profit, loss of data, or reputational harm. Nothing in these Terms limits liability for fraud, gross negligence, or any other matter that cannot be excluded by law.

Either party may terminate the platform agreement on notice as set out therein. QIFTS may suspend or terminate access immediately where a Customer is in material breach of these Terms or where continued access poses a risk to the platform or other customers. On termination, Customers may export their data within a reasonable period as agreed. After that period, QIFTS may delete Customer data in accordance with our data retention policy.

These Terms and any platform agreement are governed by the laws of the jurisdiction agreed between the parties in the platform agreement. Disputes will be resolved through the dispute resolution mechanism set out therein. Last updated: May 2025