Who we are and how to contact us
This website and the SuperFi app  (together ‘the platform’), are owned and maintained by SuperFi Finance Ltd (SuperFi). You can contact us by writing to us by email at: support@joinsuperfi.com

Your use of the platform is subject to the following terms which you should read carefully.

By using our platform you accept these terms
You must be at least 18 years of age to use our services. By using SuperFi, you confirm that you meet the age requirement and have the legal capacity to enter into binding contracts. SuperFi’s services are intended solely for users who meet these criteria and are resident within jurisdictions where our services are permitted by law

By using this platform, you confirm that you accept these terms of use and that you agree to comply with them. If you do not agree to these terms, you must not use this platform. We recommend that you print a copy of these terms for future reference.

These terms of use refer to additional terms which also apply to your use of this platform:
- our Privacy Policy  which sets out how we collect, use and store personal data
- our Cookie Policy  which sets out information about the cookies on our website.

Additional terms and conditions may also apply to other services provided by us and these are set out below and/or will be explained or made available to you if you use these services. 

We may make changes to these terms
SuperFi reserves the right to change these Terms of Use and its platform content at any time without notice. Changes will take effect immediately upon their posting on the platform. Your continued use of the platform following any changes indicates your acceptance of the new Terms. These terms were most recently updated on the 18th August 2024. 

We may make changes to our platform
We may update and change our platform from time to time to reflect changes to our users’ needs.

We may suspend or withdraw our platform
Our website is provided free of charge for all users. However, access to our app is currently restricted to customers of businesses that have established a partnership with SuperFi. We may consider offering the app through a paid subscription model in the future.

We cannot guarantee that our platform, or any content on it, will always be available or operate without interruptions. We reserve the right to suspend, withdraw, or restrict the availability of all or part of our platform due to business and operational needs. We will endeavour to provide reasonable notice of any such changes affecting your access.

You are also responsible for ensuring that all persons who access our platform through your internet connection are aware of these terms of use and other applicable terms and conditions, and that they comply with them.
Our platform is intended for users in the United Kingdom.

Our platform is directed to people residing in the United Kingdom. We do not represent that content available on or through our platform is appropriate for use or available in other locations.

How you may use material on our platform
Unless otherwise stated we are the owner or licensee of all intellectual property rights in our platform and in all material published on it. Those materials are protected by copyright laws both in England and Wales and around the world. All such rights are reserved. Materials include, but are not limited to text, data, applications, calculators, e-services, images, graphics, audio and video files, typographical arrangements (the layout or actual appearance), as well as any documents (capable of being reproduced by any digital means) and made available on this platform. You may print off one copy, and may download extracts of any page(s) from our platform for your personal use and you may draw the attention of others within your organisation to content available on our platform. All downloadable materials on this platform are licensed for non-commercial use under the  Creative Commons Attribution-NonCommercial-NoDerivs 2.0 UK: England & Wales (CC BY-NC-ND 2.0 UK) 

Rewards & Promotional Features

Eligibility and Participation All registered users of SuperFi are eligible to participate in our rewards and promotional features, which include earning Virtual Coins and engaging in various in-app activities.

Earning Virtual Coins Virtual Coins can be earned through participating in qualifying activities within the SuperFi app. The specifics of qualifying activities and the corresponding rewards are subject to change, and users will be informed of these changes through updates to these terms or directly within the app.

Using Virtual Coins Virtual Coins can be used within the SuperFi app to participate in games and activities designed to enhance user engagement. The requirement for Virtual Coins to enter these games and activities will be specified within the app.

Cashback Users may earn or win cashback when purchasing products or services through the SuperFi platform or by participating in various in-app activities. The rate, terms of cashback rewards, and the conditions under which cashback can be won are determined by SuperFi and are subject to modifications. Such changes will be communicated to users as described above.

Expiry of Virtual Coins and Vouchers Virtual Coins awarded on our platform are to be used exclusively within the services and do not hold any cash value. They cannot be withdrawn, exchanged, or redeemed for cash. These coins may expire if not utilised within a specified period; customers will be notified in advance of the impending expiration of their Virtual Coins to provide an opportunity for use. Similarly, vouchers also have expiration dates as determined by the issuing retailers. It is the customer's responsibility to be aware of and adhere to these expiration dates.

Refunds and Cancellations Vouchers purchased through SuperFi are non-refundable once issued. This is in accordance with the terms set by the issuing retailers. Users are encouraged to carefully review these terms prior to completing a purchase. Please be aware that once a voucher is delivered, it is considered final sale and is not eligible for a refund.

Changes to Terms and Conditions for Vouchers SuperFi reserves the right to amend the terms and conditions governing voucher purchases at any time. It is the responsibility of the user to review these terms regularly to stay informed of any changes that may affect the use of vouchers. Changes will be posted on our platform, and by continuing to use SuperFi’s services after such changes are made, you agree to be bound by the revised terms.

General Terms

Changes and Updates SuperFi reserves the right to modify the terms of the rewards program, promotional features, and voucher offers at any time. Changes will be communicated to users via an update to these terms.

Data Handling All personal data related to the rewards program and voucher purchases will be handled in accordance with SuperFi’s Privacy Policy.

By using the SuperFi platform and participating in its features, users agree to these terms, which form an integral part of SuperFi’s broader Terms & Conditions.

Licence
Under the terms of this licence you must:
(a) always acknowledge and give appropriate credit to the SuperFi Finance Ltd, provide a link to the licence and indicate if any changes were made. Such changes may be made provided they are reasonable and there is no suggestion that SuperFi Finance Ltd in any way endorses you or your use;
(b) not use any material for commercial purposes;
(c) not modify, remix, transform, or build upon any material and should you modify, remix, transform or build upon any material, not to distribute such material;
(d) not apply legal terms or technological measures that restricts any third party from doing an act which is permitted under the licence.

You may not copy, reproduce (in whole or in part), adapt, modify, issue to, rent, lend or communicate to the public any non-downloadable material for commercial purposes without the prior written consent of us. Written requests may be submitted by email to  nick@joinsuperfi.com  or by letter to “Customer Enquiries” at the SuperFi Finance Ltd registered office address.

If you print off, copy or download any part of our platform in breach of these terms of use, your right to use the platform will cease immediately and must, at our option, return or destroy any copies of the materials made to us. 

Our responsibility for loss or damage suffered by you
Whether you are a consumer or business user:
We do not exclude or limit in any way our liability to you where it would be unlawful to do so. This includes liability for death or personal injury caused by our negligence or the negligence of our employees, agents or subcontractors and for fraud or fraudulent misrepresentation.

If you are a business user:
We exclude all implied conditions, warranties, representations or other terms that may apply to our site or any content on it.
We will not be liable to you for any loss or damage, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, even if foreseeable, arising under or in connection with:
-use of, or inability to use, our platform; or
-use of or reliance on any content displayed on our platform.

In particular, we will not be liable for:
-loss of profits, sales, business or revenue
-business interruption
-loss of anticipated savings
-loss of business opportunity, goodwill or reputation; or
-any indirect or consequential loss or damage.

If you are a consumer user:
Please note that we only provide our platform for domestic and private use. You agree not to use our platform for any commercial or business purposes, and we have no liability to you for any loss of profit, loss of business, business interruption or loss of business opportunity.

Whilst we try to ensure that the information on this platform is current and correct no undertaking, representation, warranty or other assurance, express or implied, is made or given by us or on our behalf or any of our partners, officers, employees, agents or advisers or any other person as to the reliability, accuracy or completeness of any content contained on this platform. 

No responsibility is accepted by us or any of our partners for any action taken on the basis of the content of this platform (to the extent permitted by applicable laws/regulatory rules). Our liability to you as explained above remains unaffected by this.

Whilst we try to ensure the information contained on the platform is accurate and up to date, we cannot be responsible for any inaccuracies in the information. We are under no responsibility to provide you with access to any additional information or to update this platform.

We are not responsible for viruses and you must not introduce them
We do not guarantee that this platform is or will be secure or free from defects, bugs, viruses or anything else which may be harmful or destructive or that any defects and viruses that do arise will be corrected. You are responsible for configuring your information technology, computer programs and platform to access our platform. You should use your own virus protection software.

We do not guarantee that this platform will be compatible with all or any hardware and software that you may use. You must not misuse our platform by knowingly introducing viruses, trojans, worms, logic bombs, keystroke loggers, spyware, adware or other program, component or similar computer code designed to adversely affect the operation of any computer software or hardware, corrupted data or other material that is malicious or technologically harmful. You must not attempt to gain unauthorised access to our site, the server on which our site is stored or any server, computer or database connected to our site. You must not attack our site via a denial-of-service attack or a distributed denial-of service attack. By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities and we will cooperate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our platform will cease immediately.

We are not responsible for third party websites, or services, we link to
This platform contains links to third-party websites and services. These links are provided for your convenience only. SuperFi does not endorse, and is not responsible for, the content, accuracy, or reliability of such websites or services. Accessing any third-party websites or services through our links is at your own risk.

We have no control over the contents of those websites or resources.
Do not rely on information and tools on this platform
We are not regulated by the Financial Conduct Authority and SuperFi Finance Ltd does not provide a regulated service. The information and material (including tools) provided on our platform are for general information only. It is not intended to amount to advice on which you should rely. You must obtain professional or specialist advice before taking, or refraining from taking, any action on the basis of the content, or information derived from, our platform. For example, you should seek further information from an independent financial adviser or from providers of specific financial products.

Prohibitions on your use of this platform
You may not use this platform for any purpose that is unlawful or prohibited by these terms. In particular, but not exclusively, you must not use this platform:
in any way that breaches any applicable local, national or international law or regulation in any way that is unlawful or fraudulent, or has any unlawful or fraudulent purpose of effect for the purpose of harming or attempting to harm minors in any way
to send, knowingly receive, upload, download, use or re-use any material which does not comply with these terms to transmit, or procure the sending of, any unsolicited or unauthorised advertising or promotional material or any other form of similar solicitation (spam) in any way which constitutes or encourages conduct that would be considered a criminal offence, give rise to civil liability, or otherwise be contrary to the law of or infringe the intellectual property rights of any third party, in any country in the world.

You also agree:
-not to reproduce, duplicate, copy or re-sell any part of our platform in contravention of the provisions of these terms
-not to access without authority, interfere with, damage or disrupt:
-any part of our platform
-any equipment or network on which our platform is stored
-any software used in the provision of our platform; or
-any equipment or network or software owned or used by any third party.
-We shall fully cooperate with any law enforcement authorities or court order requesting or directing us to disclose the identity or locate anyone posting any material in breach of this section.

How we may use your personal information
We will only use your personal information as set out in our Privacy Policy.

Other applicable terms
If you are a consumer, please note that these terms of use, their subject matter and their formation, are governed by English law. You and we both agree that the courts of England and Wales shall have exclusive jurisdiction to settle any dispute which may arise out of or in connection with these terms and conditions, except that if you are a resident of Northern Ireland, you may also bring proceedings in Northern Ireland and if you are a resident of Scotland, you may also bring proceedings in Scotland.

If you are a business, these terms of use, their subject matter and their formation (and any non-contractual disputes or claims) are governed by English law. We both agree to the exclusive jurisdiction of the courts of England and Wales.

Below you will find a version of our Terms & Conditions using simple English

• This platform belongs to SuperFi Finance Ltd. To contact them, email support@joinsuperfi.com.

• Using this platform means agreeing to its rules. Remember to read and save them.

• Additional rules about privacy and cookies apply.

• Rules may change, so check for updates.

• The platform is for UK users.

• Content is owned by SuperFi. You can use it personally but not for business.

• Certain content requires permission for use.

• SuperFi isn't liable for most issues.

• For businesses, specific rules apply.

• The platform may have bugs, so protect your computer.

• Don't harm the platform or others.

• SuperFi isn't responsible for external links.

• Information on the platform isn't official advice.

• Certain actions are prohibited.

• SuperFi will only use your info as stated in the Privacy Policy.

• Legal matters follow English law.

• Remember, these are the basic rules. English courts will handle any issues.

Returns Policy

My Gift Card Isn't Working

Online Shopping

• Ensure you are entering the gift card information in the correct section of the website. If unsure, search online for instructions on how to use a gift card for the specific brand.

• Verify the balance of the card. If the gift card displays a code and/or barcode and hasn't been used, it is likely valid. To confirm, search "[brand name] check gift card balance" and use the official site to verify. If the balance is accurate, re-enter the details carefully.

• If issues persist, contact the retailer's customer service for assistance; they can usually determine if the gift card is active.

Shopping In Store

• If the barcode isn't scanning, ensure your phone's screen brightness is maximised and the screen is undamaged. If problems continue, ask the cashier to manually enter the gift card number and pin (if applicable).

• If a cashier is unfamiliar with processing the gift card, ensure they select the correct option at the register.

• In rare cases, the retailer’s gift card system may be down. Contact the retailer’s customer service to confirm if this is the issue.

• Always keep a record of where and when you tried to use the gift card.

Faulty Gift Cards

• If you suspect the gift card is faulty, avoid making purchases until its functionality is confirmed. If entered incorrectly on a retailer's website, it may appear invalid even if it isn't.

• Some systems take up to 48 hours to activate a gift card. If immediate use is necessary, contact the retailer for potential expedited activation.

• If a gift card appears to be faulty, contact SuperFi support with a screenshot of any errors, details of the issue, and as much evidence as possible within one day of the incident.

Non-Refundable Policy

• Gift cards cannot be refunded or reissued unless there is proven fault or damage during production or issuance, or as required by law. For issues, contact SuperFi with relevant screenshots, reason for your request, and proof of purchase. We do not process refunds if any part of a gift card’s value has been used.

• SuperFi reserves the right to deny a refund or reissue if procedures are not followed or if insufficient evidence is provided. We may request identification to prevent fraudulent activity.

Changes of Mind or Accidental Purchases

• If you change your mind about a gift card purchase, do not use the gift card. Viewing the gift card in your wallet marks it as used and it becomes non-cancelable.

• Report accidental purchases within 24 hours for potential cancellation. Retailers typically accept cancellations if the gift card has not been viewed.

• If viewed, contact the retailer directly as they might offer a refund or reissue based on their policies.

By using SuperFi’s services, you agree to the terms outlined in this Returns Policy.