Upon the availability of a loyalty programme and subject to the terms set out in this Annex 2, Customer may participate in certain loyalty programmes subject to SiFi making the same available (each a "Loyalty Programme" or "Rewards Programme").
The provisions of the Agreement and these SiFi Loyalty Programme Extension (the "Loyalty Terms") form an Extension to the SiFi Platform Terms and Conditions (the "Agreement") and apply to the Customer's participation in an applicable Loyalty Programme offered by SiFi. If there is any inconsistency between these Loyalty Terms and the Agreement, the Loyalty Terms shall prevail.
CUSTOMERS MUST READ THESE LOYALTY TERMS CAREFULLY.
1.1 Capitalised terms used in these Loyalty Terms (unless otherwise defined herein or in the Agreement) shall have the following meanings:
1.1.1 “Loyalty Partner” means any third party from whom a Customer may obtain Third Party Points pursuant to these Loyalty Terms as SiFi may enable from time to time through the SiFi Platform.
1.1.2 “SiFi Points” means the rewards points awarded, exchanged, earned, accumulated, or otherwise allocated to a Customer under a Loyalty Programme, including (i) points earned directly from qualifying spend or activity as determined by SiFi from time to time; (ii) points awarded upon conversion of cashback subject to the Payment Cards Terms and the Agreement; and (iii) points granted by SiFi from time to time as part of any incentive, onboarding, promotional or activation mechanism.
1.1.3 “Third Party Points” means any loyalty points or rewards under a programme of a Loyalty Partner.
1.1.4 “Third Party Redemption Platform” means any third party platform accessible through the SiFi Platform or website who facilitates third party redemptions.
2.1 Pursuant to the Agreement, SiFi may, from time to time, at SiFi's discretion, announce and offer Loyalty Programmes. These terms and conditions and the specific terms and conditions of each Loyalty Programmes that SiFi may announce and offer via the SiFi Platform or the website or any other are supplemental to the terms of the Agreement and shall constitute an integral part thereof.
2.2 To enrol and participate in any Loyalty Programme, Customers must agree and consent to the Loyalty Terms. By accepting the Loyalty Terms along with the Agreement, the Customer confirms that the Customer has read, reviewed, understood and agreed to the Loyalty Terms, which become binding upon SiFi and the Customer.
3.1 SiFi has the sole discretion to determine if a Customer is eligible to enrol and participate in any Loyalty Programme. Participation in the Loyalty Programme is optional. The Customer may opt-in to the Loyalty Programme via the SiFi Platform or website as SiFi may determine from time to time.
3.2 SiFi may refuse any Customer's enrolment and participation in any Loyalty Programme without having to provide the Customer with a prior notice. SiFi may also set specific conditions of eligibility and participation to any Loyalty Programme and provide temporary or limited access to a certain Loyalty Programmes based on a Customer's eligibility status and SiFi's risk policies.
3.3 Customer must have in place sufficient policies and adequate procedures to ensure any redemption of SiFi Points does not contravene any Applicable Law or practice, including but not limited to anti-bribery and anti-corruption rules and regulations. Customer acknowledges that the Customer remains solely responsible for any redemptions made by Customer and the Account Administrator.
3.4 SiFi reserves the right to change a Customer's eligibility status at any time, including but not limited to suspending or cancelling Customer's access to any Loyalty Programme if Customer no longer meets the eligibility criteria.
3.5 SiFi may request additional information or documentation to verify a Customer's eligibility for any Loyalty Programme. Failure to provide the requested information may result in denying or terminating the Customer's participation.
3.6 Where made available by SiFi, the Customer may opt-in through the SiFi Platform to automatically allocate some or all SiFi Points accrued by the Customer to specified Customer Personnel. Any such allocation constitutes an instruction by the Customer and is carried out at the Customer's sole responsibility. SiFi shall have no liability in respect of any internal allocation, designation or entitlement as between the Customer and Customer Personnel.
3.7 The redemption, use and exchange of SiFi Points is subject to the terms displayed within the SiFi Platform. Where the Customer has enabled allocation of SiFi Points to Customer Personnel, such SiFi Points may be made available for use by Customer Personnel through Rewards Cards as set out in the Rewards Cards Terms or other redemption channels that SiFi may enable.
3.8 SiFi may impose limits or conditions on the redemption or use of SiFi Points, including with respect to Eligible Merchants (as defined in the Rewards Cards Terms), redemption channels or conversion rates.
4.1 Loyalty Programmes that SiFi may offer are continuously developing, and will be announced from time to time via the SiFi Platform or any other communication methods as per the Agreement.
4.2 Each Loyalty Programme will include its own set of rules, rewards, and conditions, which are clearly outlined in the Loyalty Programme announcement on the SiFi Platform, SiFi website or via any other communication methods as per the Agreement. These specific terms may include but are not limited to the duration of the Loyalty Programme, the actions required to earn and exchange SiFi Points, the types of redemption available, exclusions and any limits on the number of SiFi Points that Customers may earn and exchange.
4.3 SiFi reserves the right to add new Loyalty Programmes, suspend any Loyalty Programme, or terminate any Loyalty Programme at any time subject to Applicable Law. SiFi may also adjust any Loyalty Programme and their respective rules at any time subject to Applicable Law.
4.4 Where SiFi Points are allocated by the Customer to Customer Personnel in accordance with these Loyalty Terms, the Payment Cards Terms and any applicable cashback programme, such allocation is solely for the purpose of enabling the Customer Personnel to redeem such SiFi Points through the redemption channels enabled by SiFi (including the SiFi Rewards Cards). The Customer remains the sole accruer of SiFi Points.
4.5 By joining and participating in any Loyalty Programme, each Customer acknowledges and agrees to the following:
4.5.1 the existence or availability of a Loyalty Programme does not guarantee that any Loyalty Point will be available to Customer, or that Customer is eligible to participate in that Loyalty Programme;
4.5.2 the existence or availability of a Loyalty Programme does not guarantee that any Loyalty Programme or its content are free from defects and errors;
4.5.3 the existence or availability of a Loyalty Programme and participation in a Loyalty Programme does not guarantee that any reward, exchange or that redemption of SiFi Points is available. If redemption of SiFi Points is available, any redemption may be symbolic and may not have monetary or similar value;
4.5.4 SiFi Points and rewards are subject to change and may have an expiration date. SiFi may modify or terminate any Loyalty Programme at SiFi's discretion.
4.6 SiFi may amend the terms of this section or remove a Customer's ability to enrol in the Loyalty Programme and to redeem SiFi Points at any time. SiFi will inform the Customer if SiFi does this, in accordance with the communication methods as per the Agreement.
5.1 Subject to the Agreement, the Payment Cards Terms, any applicable cashback Program and these Loyalty Terms, SiFi may award SiFi Points to a Customer through multiple earning channels, including:
5.1.1 qualifying transactions or activities performed by Customer Personnel using the Wallet Services (as determined by SiFi from time to time);
5.1.2 conversion of cashback (on a first-earned-first-used basis) subject to the Payment Cards Terms and any applicable cashback Program;
5.1.3 incentive-based awards, including onboarding events, activation milestones, product adoption activities or other promotional mechanisms announced by SiFi from time to time; and
5.1.4 any other method or trigger made available by SiFi from time to time.
5.2 The Customer may, via configuration in the SiFi Platform, opt-in to allocate some or all SiFi Points earned by the Customer (whether earned directly or via cashback conversion or awarded as incentives) to designated Customer Personnel. Such allocation:
5.2.1 is deemed to be made on the Customer's instruction;
5.2.2 does not create any independent entitlement for Customer Personnel with respect to SiFi; and
5.2.3 may be modified or disabled by the Customer at any time via the SiFi Platform, or otherwise by SiFi at SiFi's own discretion.
5.3 SiFi is not responsible for the Customer's internal allocation rules or communications with Customer Personnel.
5.4 Where SiFi allows Customers to convert cashback to Third Party Points, Customer acknowledges that such cashback is first converted into SiFi Points that will simultaneously and seamlessly convert to Third Party Points.
5.5 SiFi reserves the right to launch further Loyalty Programmes subject to their corresponding terms and conditions as SiFi may announce from time to time.
5.6 The availability of SiFi Points can change at any time, and SiFi does not guarantee the availability, duration or value of any Loyalty Point. If a Loyalty Programme is offered conditionally and those conditions are not met, SiFi Points previously awarded may be revoked at SiFi's discretion. Customer acknowledges that the availability of Third Party Points can change at any time, and that Customer must review and agree to the Loyalty Partner's terms before any exchange to Third Party Points. SiFi will not be responsible for any use, revocation, loss or cancellation of Third Party Points nor for any matter concerning the Loyalty Partner.
5.7 SiFi Points are not cash, do not represent stored value, and cannot be redeemed for cash. SiFi Points do not entitle any Customer to any vested rights, and SiFi does not guarantee in any way the continued availability of any type of exchange or redemption. SiFi does not assume liability to Customer or any third party in regard to the addition or deletion of products, services or cashback from or for which SiFi Points can be collected, exchanged and/or redeemed.
5.8 SiFi Points are not transferable, whether by operation of law or otherwise, to any other person or entity. Without limitation, SiFi Points may not be transferred upon termination of employment, disengagement, account deactivation, or any similar event affecting the Customer, the Account Administrator, or any Customer Personnel. Any SiFi Points associated with any Customer Personnel or Rewards Card that is closed, suspended, or deactivated for any reason shall automatically lapse and be forfeited to SiFi without compensation. SiFi reserves the right not to credit the Account with SiFi Points where the Customer, the Account Administrator, or any Customer Personnel misuses the Account.
5.9 The redemption and exchange of SiFi Points is subject to the terms set out in the SiFi Platform, website or Customer Portal as determined by SiFi from time to time. Redemption of SiFi Points may be available through SiFi, by exchange to Third Party Points or through Third Party Redemption Platforms.
5.10 Customer's use of the Third Party Points, Loyalty Partner, and Third Party Redemption Platform is subject to third party terms and conditions. SiFi shall have no responsibility or liability to the Customer, the Account Administrator or any Customer Personnel under any agreement with any third party. It is the Customer's sole responsibility to read, understand and agree to (and to cause the Account Administrator and Customer Personnel to read, understand and agree to) any third party agreements before adding, linking or using the SiFi Points through the Third Party Platform. For the avoidance of doubt, where SiFi enables Customer to exchange SiFi Points to Third Party Points, SiFi will not be liable to the Customer for any such Third Party Points' redemption, expiration, cancellation or otherwise.
1 The SiFi Points will expire within 2 years from their date of issuance. SiFi reserves the right to change the expiry date of SiFi's SiFi Points by providing prior notice to Customer.
5.11 If a Customer's Account is inactive for six (6) months, any accumulated SiFi Points are forfeited, subject to any potential extension offers that SiFi may offer from time to time. SiFi reserves the right to forfeit all, or part of the SiFi Points earned by a Customer if a fraudulent activity made by Customer or otherwise is detected or suspected.
5.12 SiFi is not responsible for SiFi Points lost, exchanged or redeemed due to fraudulent activity by Customer or any third party. It is Customer's responsibility to ensure the security of Customer's account information to prevent unauthorised access.
5.13 SiFi Points cannot be exchanged or returned for another product or service, or a monetary refund. All exchanges and redemptions are final.
5.14 Customer must provide any document and information requested by SiFi to redeem and exchange SiFi Points. Customer is responsible to ensure that all information is correct and up-to-date, and SiFi reserves the right to block redemptions if any information is inaccurate or incomplete.
6.1 SiFi reserves the right to restrict, suspend, modify or terminate the Loyalty Programme or any functionality or configuration of the Loyalty Programme at any time without having to provide Customer with prior notice, even though such changes may affect the value of SiFi Points already accumulated or earned and/or Customer's ability to redeem accumulated SiFi Points or benefits. Any changes to a Loyalty Programme are effective immediately upon informing Customer of the updated Loyalty Programme details via the SiFi Platform or any other communication methods as per the Agreement. If Customer does not agree with any changes SiFi makes to a Loyalty Programme, Customer may stop participating. If Customer continues to participate in the Loyalty Programme after such modifications, Customer is deemed to have accepted the changes made to the Loyalty Programme.
6.2 If SiFi decides to cancel a Loyalty Programme, SiFi's decision is considered final, conclusive and binding on Customer. If a Loyalty Programme is changed or ended, any SiFi Points that Customer has not used by that time might be lost. SiFi is not responsible for any loss or reduction in the value of SiFi Points due to these changes, nor is SiFi responsible to compensate the Customer for cancelling the Loyalty Programme.
6.3 SiFi may send notifications through the SiFi Platform, via email, or by way of other communication methods. However, Customer should check the SiFi Platform regularly to stay updated.
7.1 SiFi has the right to audit all activities related to any Loyalty Programme. Any fraudulent, abusive or suspicious activity, as determined at SiFi's discretion, including but not limited to creating multiple Accounts to earn and exchange SiFi Points, may result in disqualification from the Loyalty Programme and may lead to the suspension or termination of the Account and forfeiture of all SiFi Points earned.
7.2 If Customer observes any suspicious activity or believe that the Customer's account has been compromised, please contact SiFi's customer service team immediately in accordance with the Agreement. SiFi will investigate and take the appropriate action as necessary.
8.1 SiFi is not liable for any loss or damage incurred as a result of Customer's participation in the Loyalty Programme, including but not limited to loss of SiFi Points or rewards.
8.2 SiFi is not responsible for any incorrect or inaccurate information, whether caused by Customer, the Account Administrator, Customer Personnel or by any equipment or programming associated with or utilised in the Loyalty Programme, or by any technical error that may occur in the processing of the Loyalty Programme.
8.3 By participating in the Loyalty Programme, Customer releases SiFi from any and all liability for any loss, theft, damage caused or claimed to be caused by Customer's participation in the Loyalty Programme or Customer's (and the Account Administrator's and Customer Personnel's) possession, use or misuse of any Loyalty Point.
8.4 Customer agrees to defend, indemnify and hold SiFi harmless for any loss, damages or costs, including reasonable attorneys' fees, resulting from any third-party claim, action, or demand resulting from Customer's (and the Account Administrator's and Customer Personnel's) participation in the Loyalty Programme in violation of any law, rule, regulation or these Loyalty Terms.
9.1 SiFi is not liable for any Third Party Partner, Third Party Points or Third Party Redemption Platform, products or services that may be offered or redeemed through any Loyalty Programme. Customer must address any issues or disputes regarding third party products or services directly with the relevant third party.
9.2 If any provision or part of a provision of these Loyalty Terms is deemed unlawful, void or unenforceable for any reason, that provision or part of the provision will be deemed severable from these Loyalty Terms and does not affect the validity and enforceability of any of the remaining provisions.
9.3 SiFi reserves the right to disqualify any Customer if Customer, the Account Administrator, or Customer Personnel, violates these Loyalty Terms, the terms of the Agreement or any Applicable Law.
9.4 These Loyalty Terms and the Agreement constitute the entire agreement between SiFi and Customer with respect to any Loyalty Programme.
9.5 Additional terms and conditions specific to each Loyalty Programme may apply and will be communicated to Customer as part of the Loyalty Programme announcement via the SiFi website or SiFi Platform or any other communication methods as per the Agreement. If there is a conflict between any terms set forth in these Loyalty Terms and the terms communicated via the SiFi website, SiFi Platform or any other communication methods as per the Agreement, the terms set forth via the SiFi website, SiFi Platform or any other communication methods as per the Agreement for each Loyalty Programme will prevail.