# IncentivPay Participant Terms **Effective date:** November 12, 2026 **Applies to:** consumers using IncentivPay-controlled promotion entry, claim, redemption or account interfaces. **Operated by:** PMPS INC., trading as IncentivPay, or the expressly identified affiliate providing the service. Each promotion separately identifies its sponsor and prize obligor. ## 1. Agreement and order of priority These Participant Terms establish common rules for interacting with our promotion platform. **Each actual promotion is governed by its published, campaign-specific Official Rules**, including sponsor, eligibility, geographic restrictions, entry requirements, no-purchase method, outcome, prize, deadlines, redemption, refunds, and dispute process. If a conflict affects your promotion rights, its Official Rules control to the extent legally permitted. Merchant storefront purchasing, shipping and ordinary returns are generally governed by that merchant's separate terms. ## 2. Age, eligibility and availability You may enter only if you satisfy the specific campaign's minimum age, legal residency, geographic location, eligibility, employee/family restrictions and entry limits. Participation is void where prohibited. Some promotions or award methods may be unavailable because of local advertising, promotion, payment or consumer laws. We or the sponsor may request proportionate confirmation of eligibility or proof of identity to award a prize, as described in the Official Rules. ## 3. What an outcome-based offer is A campaign states an externally verifiable event, objective resolution source, relevant date/time, a clearly described award if the event occurs, and any separate fallback benefit if it does not. The advertised reward may take the form of a merchant-funded rebate, coupon, store credit, loyalty benefit, gift card or other lawful prize. **A displayed percentage or market-implied probability is only an estimate, not a guarantee**. An entry is not a purchased financial instrument, ownership interest or right to trade an event contract. ## 4. Entry methods and no-purchase options Where a campaign is structured as a sweepstakes or other chance promotion requiring a free entry method, the Official Rules and entry interface must provide a real and accessible **no-purchase-necessary** method. Making a purchase must not increase the chance of receiving the same prize. Any applicable free method must have equivalent opportunity, material timing, eligibility and prize treatment under the approved rules; a mere disclaimer without a workable process is insufficient. We will not require a payment, purchase or paid points balance solely to access the free method. Each campaign states entry caps and whether a purchase automatically creates an entry. See [Free Entry](/free-entry). ## 5. Entry records and qualification Entries are subject to accurate submission, timestamps, campaign capacity, age and geography rules and fraud controls. If a qualified purchase is required for a merchant-specific discount or rebate benefit, the Official Rules must explain the alternative free entrant's prize and ensure a lawful structure, rather than suggesting that non-purchasers are automatically entitled to a refund for a product they never bought. Duplicate, fraudulent, automated or manipulated submissions may be rejected on documented evidence, with a reasonable review path. ## 6. Resolution and disputes The published Official Rules control the exact event description, primary and fallback verification source, cutoff time, time zone, treatment of cancellation or ambiguity, administrative review and settlement timing. A market price does not override the stated resolution criteria. If a data provider later reverses or corrects a result, the specific rules determine how finality is handled consistently and fairly. A participant can dispute an apparent error through **support@incentivpay.com** within the period stated in those Official Rules or required by applicable law, whichever gives the participant more time, without waiving any statutory consumer right. ## 7. Rewards and limitations The Campaign Rules identify the reward amount or method of calculation, maximum per person and campaign, format, required documentation, delivery method, expiration if lawful, taxes, and any return or chargeback adjustments. A promise such as “100% back” must disclose the exact qualifying transaction base, exclusions, maximum value, whether taxes/shipping/tips are included, and whether the reward is cash, refund, credit or another instrument. You do not need to pay a “release fee” merely to claim a legitimately awarded sweepstakes prize. Separate product taxes or merchant charges, where lawful, must be disclosed. Rewards are not automatically cash equivalents, bank deposits, investments, transferable assets or legal tender. Any points program, if actually offered, has a separate and clearly disclosed value, purchase, expiration and redemption schedule; no unannounced point conversion is assumed. See our [Rewards Policy](/rewards). ## 8. Purchase returns and failed eligibility The merchant remains responsible for the product sold and applicable returns, warranties, sales taxes and consumer protection obligations. If a qualifying transaction is canceled, refunded or charged back, the Official Rules may provide for proportionate entry or rebate adjustments consistent with law. A purchase return must not improperly cancel a separately lawful free entry or deprive a participant of a prize already earned where law forbids it. ## 9. Privacy, communications and abuse We process information as explained in our [Privacy Policy](/privacy). Promotion administrative messages are not consent to unrelated advertising. Where email or text marketing is offered, it must have its own lawful notice and opt-in/opt-out mechanism. Users may not exploit QR codes, duplicate identities, bots, location spoofing, fake receipts, manipulation of an outcome, or vulnerabilities. Fair verification and contest administration remain required. ## 10. Service and liability We seek to provide reliable participant services but cannot guarantee uptime of networks or third-party sources. To the fullest lawful extent, neither a sponsor nor platform operator is liable for remote or consequential losses unrelated to a prize actually owed; however, **nothing in these Terms removes an enforceable right to a validly earned prize, statutory refund, personal-data protection, or another remedy that cannot be waived by law**. The identity and obligation of the prize sponsor are set out in the Official Rules. ## 11. Contact and changes Questions and reward claims: **support@incentivpay.com**. Official Rules cannot be retroactively changed to disadvantage valid entrants except where law requires a correction or authorized regulator approves a change. General Participant Terms may be updated prospectively with notice where required.