Payback Terms

Payback rewards terms

Last updated: [DATE — Johnny/counsel to finalize]

Placeholder terms. Final legal wording to be supplied by Johnny / counsel.

What Payback is

Payback is a rebate funded by the affiliate commissions PaybackHero earns when you sign up through our links. 10 Payback = $1.00. Payback is not legal tender, not a deposit, and not a stored-value account — it is a promotional reward you can redeem as described here.

No expiry from the passage of time

Your Payback does not expire simply because time passes. (Consistent with Ontario's Protecting Rewards Points Act and Quebec's consumer-protection rules on rewards.)

How Payback is earned and matures

You earn Payback only when a provider actually confirms a signup you made through PaybackHero.
New Payback is pending until the provider confirms (typically 30–90 days), then becomes available to cash out.
If a provider reverses or cancels a commission (e.g. you cancel, return, or are found ineligible), the associated Payback may be reversed (clawed back), even after it became available.

Cashing out

Minimum cashout: [50 Payback / $5.00].
Payouts are delivered as a reward card / prepaid card by email to your verified address.
PaybackHero funds cashouts from commissions it has actually received; a payout may be held briefly pending funds or review.