Legal

SPENDSTREAM LTD TERMS AND CONDITIONS

Spendstream Services
1. Raffle House ("Partner") has partnered with Spendstream (Spendstream Ltd) to provide the services outlined in these terms.
2. Spendstream provides an online service where you can register for an account (by clicking through from our partners’ websites) to purchase digital gift cards for various retailers. You may also be eligible to receive rewards relating to your purchases of digital gift cards through Spendstream.
3. Upon clicking through from our partners’ websites, any relevant personal information held by that partner will be shared with Spendstream, such as your name and email address, in order to register you as a user of our services.
4. To ensure the website works correctly please ensure your operating system and browser are the most current versions available.
5. Details of any digital gift cards available for purchase through us are shown on our website subject to rules specific to each retailer. It is the retailer’s responsibility to control this information and for its accuracy. Digital gift cards purchased through us may be used:
  - in the retailers’ app or on their website where applicable;
  - in retailer stores where applicable
6. Based on a percentage of the value of the eligible digital gift card purchased from us we may at our sole discretion reward you with cashback, site credit, competition entries, points or other types of rewards. The rewards you may receive are subject to variation for reasons including but not limited to certain retailers’ methods of purchase used to buy a card from us and factors such as your account activity and usage patterns.
  
  The amount and type of Reward available with each purchase from us will be clearly shown on our website. By completing your purchase you accept the stated amount of rewards available.
7. Spendstream and its partners strive to provide accurate information at all times, however date inaccuracies, technical issues and other unforeseen circumstances may cause information errors from time-to-time. Should any of these information errors occur, we reserve the right to correct them without prior notice to you and this may result in an adjustment to any reward amount or value in line with the corrected information and may, where appropriate, include an adjustment of the amount of reward awarded.
8. You can find further information about us and our services on our website. We also share this information with you in writing either by email, text or in your online account, when you register an account or purchase any of the digital gift cards we offer.
By using our Site you agree to be bound by these Terms. If you do not agree with and accept these Terms, you must not use our Site.
Registering a user account
1. Once directed to our site by a Partner you will automatically be registered for a Spendstream user account (User Account) upon our Partner sending us your user information.
2. By registering a User Account you are confirming you are over 18 years of age.
3. User Account registrations are restricted to one account per person and you must provide accurate and up-to-date information about yourself when requested; must be the legal owner of any email address used to register a User Account; a UK resident; the registered holder of the card used in connection with the Site and any card used must use GBP for all payments. All transactions using our site must be in GBP.
4. So that you can access your account and receive updates relating to important information relating to Spendstream, you must ensure that any email address and contact number(s) we hold for you are accurate and up to date.
5. Please see our Privacy Policy which contains important information on how we use and store any personal information you provide to us.
Placing orders
1. Before placing an order with us to purchase a digital gift card, please refer to the applicable retailer’s website for the retailer’s terms and conditions and for restrictions on the use of the digital gift card to ensure it is suitable for your intended purpose.
2. Sometimes we reject orders, for example, because a digital gift card you wish to purchase is not available, because we can't verify your age (you must be over the age of 18), because you are located outside the UK, the card used for the order is not in your name or is not registered to a UK account. When this happens, we will let you know as soon as possible.
3. We will contact you by email to confirm receipt of payment and acceptance of your order. After this, the Digital Card will be sent to you as soon after acceptance as possible having been confirmed to you by email or in the app. If you have not received your Digital Card within 4 hours of confirmation of acceptance of your order please contact us here.
4. If you experience any difficulties in using the digital gift card, please refer to the applicable retailer’s terms and conditions on their website or contact their customer services.
Payment and charges
1. We will charge your card once we have accepted your order.
2. Because the digital cards can be used as soon as they are sent to you, there is no right to cancel the purchase of the digital gift card(s). No refund will be made in respect of any digital gift cards except in accordance with these terms and or your statutory rights.
3. If a digital card you have purchased through our website is faulty, you may be entitled to a refund or a replacement digital gift card. If you experience issues in using your digital gift card, please contact us here.
4. If we agree that you are due a refund, we will request a refund on your behalf from the retailer who issued the digital gift card in respect of which a refund has been claimed provided the digital gift card had not been used. If the retailer declines a refund request, no refund can be provided.
Limit of liability
1. We will exercise reasonable care and skill in performing our obligations to you in connection with our services.
2. We do not exclude liability to you where it would be unlawful to do so. This includes:-
  
  6.2.1 liability for death or personal injury caused by our negligence or the negligence of our employees, agents or subcontractors;
  
  6.2.2 our fraud or fraudulent misrepresentation;
  
  6.2.3 any other liability that cannot be excluded or limited under applicable law.
3. If when using a digital gift card purchased through us you are unhappy with any products or services supplied by the retailer you must contact the retailer to discuss any returns, replacements or refunds. We do not accept any liability of any nature whatsoever for any goods or services you have purchased using a digital gift card ordered through us.
4. We do not accept liability for losses you suffer caused by us breaking this contract if the loss is:-
  
  6.4.1 unexpected. It was not obvious that it would happen and nothing you said to us before we accepted your order meant we should have expected it (so, in the law, the loss was unforeseeable);
  
  6.4.2 caused by a delaying event outside our control. As long as we have contacted you as soon as possible to inform you about the delay and what we can do to reduce it, we will not compensate you for the delay.
  
  6.4.3 avoidable. Something you could have avoided by taking reasonable action, including following our reasonable instructions for use.
  
  6.4.4 for any loss of revenue, business anticipated savings or profits;
  
  6.4.5 for any indirect, special or consequential loss, damage or other claims, howsoever caused;
  
  6.4.6 for any loss resulting from any use of our website or any transaction with any retailer via our website;
  
  6.4.7 for any loss arising from any inability to access our website, for use of our site or from reliance on data transmitted using our website;
  
  6.4.8 for any loss arising from or in connection with any voucher codes that you obtain from our website;
  
  6.4.9 for any loss arising from your failure to use the digital gift cared before its expiry date;
  
  6.4.10 for any loss arising from the retailer you purchased the digital gift card from ceases trading;
  
  6.4.11 for any loss arising from your use of a product or service for the purposes of your trade business, craft or profession.
5. Your use of any digital gift card ordered through us is subject to the retailer’s own terms and conditions and it is your responsibility to check those terms before purchasing a digital card.
6. Our total liability to you in respect of any claims (should we be found to be liable by a court of competent jurisdiction) will not exceed the total value of any digital gift card(s) in respect of which a claim is made.
Termination of your account
1. Should you wish to close your User Account, we will have no ongoing responsibility towards you after you have closed it. To cancel your user account, please contact Raffle House directly.
2. We can close your User Account by giving you at least 14 days’ notice or immediately for the following reasons:
  
  7.2.1 We suspect you may be or may have been engaged in fraudulent activity.
  
  7.2.2 We suspect you have not answered account opening questions correctly.
  
  7.2.3 We suspect you have been abusive to any member of our staff.
  
  7.2.4 We suspect you have breached any of our Terms in a material way.
Changes to our services and these terms

We can always change a service:
1. to reflect changes in relevant laws and regulatory requirements which may, for example require us to change the way in which we hold your personal information or the way in which we describe our services; and;
2. to make minor technical adjustments and improvements, for example to address a security threat. These are changes that don't affect your use of the service.
We use your personal data as set out in our Privacy Notice
1. How we use any personal data you give us is set out in our Privacy Notice.
Disputes
1. If you have any concerns about our service or wish to make a complaint, please contact us here. We will endeavour to solve issues relating to our services as soon as possible.
2. These terms are governed by English law and wherever you live, you can bring claims against us in the English courts. If you live in Wales, Scotland or Northern Ireland, you can also bring claims against us in the courts of the country you live in. We can claim against you in the courts of the country you live in.
Other important terms apply to our contract
1. We can transfer our contract with you, so that a different organisation is responsible for supplying your service. We'll tell you in writing if this happens and we'll ensure that the transfer won't affect your rights under the contract.
2. You can only transfer your contract with us to someone else if we agree to this in writing. We may not agree if for example, the person you wish to transfer your contract to owes us money.
3. Nobody else has any rights under this contract. This contract is between you and us. Nobody else can enforce it and neither of us will need to ask anybody else to sign-off on ending or changing it.
4. If a court invalidates some of this contract, the rest of it will still apply. If a court or other authority decides that some of these terms are unlawful, the rest will continue to apply.
5. Even if we delay in enforcing this contract, we can still enforce it later. We might not immediately chase you for not doing something (like paying) or for doing something you're not allowed to, but that doesn’t mean we can't do it later.
6. You must not misuse our site for example by introducing viruses, trojans, worms or other material that is malicious or otherwise harmful.
7. You must not infringe our intellectual property rights or those of any third party. Rights in the website and/or app belong to us or our licensors and you have no rights to or in the app or our website.

Privacy Policy

Important information and who we are

This privacy policy gives you information about how Spendstream Ltd ("we", "our", or "us") collects and uses your personal data through your use of this website, including any data you may provide when you register with us, purchase a product or service, or take part in a competition.

By using our Website, you consent to the collection and use of your personal data as described in this policy.

We are committed to safeguarding your privacy and ensuring that your personal data is handled in a safe and responsible manner.

This website is not intended for children and we do not knowingly collect data relating to children.

We are the controllers and responsible for your personal data.

If you have any questions about this privacy policy, including any requests to exercise your legal rights (Paragraph 9), please contact the us using the information set out in the contact details section (Paragraph 13).
Information we collect

Personal data means any information about an individual from which that person can be identified.

We may collect, use, store and transfer different kinds of personal data about you which we have grouped together as follows:

Identity Data may include first name, last name, any previous names, username or similar identifier, title, date of birth and gender.

Contact Data may include billing address, email address and telephone number(s).

Financial Data may include bank account and payment card details.

Transaction Data may include details about payments to and from you and other details of products and services you have purchased from us.

Technical Data may include internet protocol (IP) address, your login data, browser type and version, time zone setting and location, browser plug-in types and versions, operating system and platform, device ID and other technology on the devices you use to access this website.

Profile Data may include your username and password, purchases or orders made by you, your interests, preferences, feedback and survey responses.

Usage Data may include information about how you interact with and use our website, products and services.

Marketing and Communications Data may include your preferences in receiving marketing from us and our third parties and your communication preferences.

We also collect, use and share aggregated data such as statistical or demographic data which is not personal data as it does not directly (or indirectly) reveal your identity. For example, we may aggregate individuals' Usage Data to calculate the percentage of users accessing a specific website feature in order to analyse general trends in how users are interacting with our website to help improve the website and our service offering.
How is your personal data collected?

We use different methods to collect data from and about you including through:

Your interactions with us. You may give us your personal data by filling in online forms or by corresponding with us by phone, email or otherwise. This includes personal data you provide when you:
- apply for our products or services;
- create an account on our website;
- subscribe to our service or publications;
- request marketing to be sent to you;
- enter a competition, promotion or survey; or
- give us feedback or contact us.
Automated technologies or interactions. As you interact with our website, we will automatically collect Technical Data about your equipment, browsing actions and patterns. We collect this personal data by using cookies, server logs and other similar technologies. Please see our cookie policy for further details.

Third parties or publicly available sources. We will receive personal data about you from various third parties as set out below:

Technical Data is collected from the following parties:
- analytics providers such as Google;
- advertising networks; and
- search information providers.
How We Use Your Information

We may use the personal information we collect in the following ways:
- To provide and maintain our Website and services.
- To process transactions and fulfil your orders.
- To communicate with you, respond to your inquiries, and provide customer support.
- To send promotional emails and newsletters, if you have opted in to receive them.
- To improve the functionality, content, and performance of the Website.
Legal Basis for Processing Your Data

We process your personal data based on the following legal grounds:
- Consent: When you provide personal information through forms or other means (e.g., signing up for our newsletter), we rely on your consent to process that data.
- Contractual Necessity: When you make a purchase or engage with our services, we process your data to fulfil our contractual obligations.
- Legitimate Interests: We may process data for legitimate business interests, such as improving our services and marketing.
6. Sharing Your Data

We will not sell, trade, or rent your personal data to third parties. However, we may share your information with the following parties for the purposes outlined in this policy:
- Service Providers: We may share data with third-party service providers (e.g., payment processors, email providers) who assist in operating the Website and providing services.
- Legal Compliance: We may disclose your information when required to do so by law, such as in response to a court order or regulatory request.
International Transfers

If you are located outside the UK, your personal data may be transferred to countries outside the European Economic Area (EEA) where data protection laws may differ. We ensure that appropriate safeguards are in place to protect your data in accordance with applicable data protection laws.
Data Security

We take reasonable measures to protect the personal information you provide to us, including implementing technical and organisational safeguards. However, please note that no method of transmission over the internet or electronic storage is completely secure, and we cannot guarantee the absolute security of your data.
Your Legal Rights

You have a number of rights under data protection laws in relation to your personal data.

You have the right to:
- Request access to your personal data (commonly known as a "subject access request"). This enables you to receive a copy of the personal data we hold about you and to check that we are lawfully processing it.
- Request correction of the personal data that we hold about you. This enables you to have any incomplete or inaccurate data we hold about you corrected, though we may need to verify the accuracy of the new data you provide to us.
- Request erasure of your personal data in certain circumstances. This enables you to ask us to delete or remove personal data where there is no good reason for us continuing to process it. You also have the right to ask us to delete or remove your personal data where you have successfully exercised your right to object to processing (see below), where we may have processed your information unlawfully or where we are required to erase your personal data to comply with local law. Note, however, that we may not always be able to comply with your request of erasure for specific legal reasons which will be notified to you, if applicable, at the time of your request.
- Object to processing of your personal data where we are relying on a legitimate interest (or those of a third party) as the legal basis for that particular use of your data (including carrying out profiling based on our legitimate interests). In some cases, we may demonstrate that we have compelling legitimate grounds to process your information which override your right to object.
- Request the transfer of your personal data to you or to a third party. We will provide to you, or a third party you have chosen, your personal data in a structured, commonly used, machine-readable format. Note that this right only applies to automated information which you initially provided consent for us to use or where we used the information to perform a contract with you.
- Request restriction of processing of your personal data. This enables you to ask us to suspend the processing of your personal data in one of the following scenarios:
  - If you want us to establish the data's accuracy;
  - Where our use of the data is unlawful but you do not want us to erase it;
  - Where you need us to hold the data even if we no longer require it as you need it to establish, exercise or defend legal claims; or
  - You have objected to our use of your data but we need to verify whether we have overriding legitimate grounds to use it.
Retention of Data

We will retain your personal data only for as long as is necessary for the purposes outlined in this privacy policy or as required by law. When your data is no longer needed, we will ensure that it is securely deleted or anonymised.
Links to Other Websites

Our Website may contain links to external websites that are not operated by us. We are not responsible for the privacy practices or the content of these third-party sites. We encourage you to review the privacy policies of any external sites you visit.
Changes to This Privacy Policy

We may update this privacy policy from time to time to reflect changes in our practices, legal requirements, or services. We will post any changes on this page and update the “Last updated” date at the top of this policy. We encourage you to review this privacy policy periodically.
Contact Us

If you have any questions or concerns about this privacy policy or our data practices, please contact us here.

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