Terms and Conditions

Last updated: 01 May 2025

This is an agreement between registered users (a “User”, “Users”, “you”, or “your”) and Tail Offers Limited, trading as Verve (“Verve”, “we”, “us” or “our”) and operating the Verve mobile application (the “App”).

By downloading the App and using our Services, you agree to be bound by these terms, conditions, and our Privacy Policy (together, the “Terms”). These Terms govern your access to and use of the App and any related interactive, supplemental, and informational services made available to you (the “Services”) on any media platform. Your access to and use of the App and Services (the “Platform”) constitute a binding contract between you, as a user of the Platform, and Verve, the provider of the Platform (the “Agreement”). By downloading the App or accessing and/or using the Platform, you are deemed to have read, understood, and accepted these Terms and agree to be bound by this Agreement. It is important you review these Terms before accessing or using the Platform as they outline your rights and responsibilities as a user.

Tail Offers Limited, trading as Verve, is a limited company registered in England and Wales, with company registration number 10008580. Our registered office is 15 Belgrave Square, London, England, SW1X 8PS. Tail Offers Limited is registered with the Financial Conduct Authority under the Payment Services Regulations 2017 as an Account Information Services Provider (AISP; FRN:791697), and our ICO number is 00018135011.

Overview

We operate a digital service in accordance with these Terms which allows you to register an account or accounts (“Linked Account(s))” in order to collect and receive Cashback Rewards as defined below, by giving your explicit consent to our use of open banking services in relation to your Linked Account, as specified by the Financial Conduct Authority (FCA).. More information on open banking can be found on Gov.uk. You are able to collect Cashback Rewards in accordance with these Terms and the Services by: (i) linking your applicable bank account in the App, using Offers (defined below) when spending with participating Brands (defined below); and/or (ii) making purchases through the App (e.g. digital gift cards). You are able to receive available Cashback Rewards directly to your Linked Account(s).

Eligibility

You must be at least 18 years of age to use Verve; by using our Services you confirm you meet this requirement.

Personal banking and sole trader UK-based accounts operating in Great British Pounds (GBP) may be linked to the App; joint accounts are not supported.

You must have at least one Linked Account registered to the App in order to collect and/or receive any Cashback Rewards associated with Qualifying Transactions or purchases made using the App and any allowed payment card. You are permitted multiple Linked Accounts simultaneously.

With the exception of a sole trader Linked Account, using the Services for any commercial or business purposes without our consent is strictly forbidden and may lead to forfeiture of Cashback Rewards and/or Gift Card (defined below) unused balances.

From time to time you may be required to install certain upgrades or updates to the App in order to continue use of the Services. You may also be required to accept new Terms from time to time to continue use of the Services. Not doing so may result in your forfeiture of any Unredeemed Cashback Rewards and/or Gift Card unused balances.

Please note that any App store from where you download the App may have its own terms and conditions, over which we have no control.

How Verve Works

The Platform enables Users to make purchases in person from merchants, retailers, hotels and other product/service businesses (each a “Brand” and together the “Brands”) or make purchases digitally in the App which may qualify for incentives (“Qualifying Transaction” or “Qualifying Transactions”) at the advertised rate in the App at the time of purchase (“Offer” or “Offers”). User purchase(s) awaiting a Brand’s validation are shown in the App (“Pending”).

Once a Brand validates a purchase satisfies its criteria as a Qualifying Transaction, Verve receives a commission (the “Commission”) payable by the Brand for the Qualifying Transaction(s) made by the User with that Brand. The amount of time it takes for a Brand to validate a purchase and pay a Commission to Verve varies by Brand depending upon but not limited to the nature of the product/service, statutory and Brand returns policies. Estimated dates shown in the App for Pending transactions are best estimates only based on each Brands’ Commission remittance payment terms, over which we have no control. Estimated dates are not binding nor are a guarantee you will receive Cashback Rewards or timing of Cashback Rewards being applied to your Verve Balance. Verve will not guarantee Cashback Rewards where Verve is not the merchant of record as a reseller of products/services purchased by a User.

Once Verve receives the Commission, Users who have made Qualifying Transaction(s) receive the advertised rate of incentivisation (“Cashback Rewards”), and will be able to see a positive balance in the App (the “Verve Balance”). Together, any Cashback Rewards from Pending transactions or a positive Verve Balance which has not been paid to a User’s Linked Account are deemed to be unredeemed (“Unredeemed”). Unredeemed Cashback Rewards do not represent a sum of money held by Verve on your behalf. A Verve Balance is reflected in Great British Pounds; however, is not a traditional bank account to earn interest nor be covered under any financial services compensation schemes.

A User’s Verve Balance will be converted into a payment to the User’s Linked Account, within 10 business days of: (i) the Commission being paid to Verve by the Brand; or (ii) Cashback Rewards being collected as a result of making a purchase through the App (e.g., a Gift Card). A User’s Verve Balance must be no less than one pound Sterling for conversion to a payment into their Linked Account.

Available Brands and Offers are subject to the Brands’ discretion. As a result, we may add, change, discontinue and/or remove Brands and/or Offers at any time without notice to you.

Use of the Services, including the App, is currently made available to Users free of charge. Whilst there is no current intention to do so, Verve reserve the right to charge Users for use of the Services at any time as required. If we begin charging for the Services, no less than 14 days prior written notice will be given to allow Users to opt out, cancel Services, and delete the App should you wish to do so.

We will make reasonable efforts to keep the Services operational. However, certain technical difficulties or maintenance may, from time to time, result in temporary interruptions. We reserve the right, periodically and at any time, to modify or discontinue, temporarily or permanently, functions and features of the Services, with or without notice, all without liability to you for any interruption, modification, or discontinuation of the Service or any of its functions or features thereof. We have no obligation to maintain, support, upgrade, or update the App or the Services, or to provide all or any specific content through our Services without limitation to participating Brands and Offer availability.

Cashback Rewards Eligibility

To collect Cashback Rewards, User purchases must meet a Brand’s Offer eligibility criteria and specific use terms and conditions, over which we have no control. If a User’s purchase does not meet the Offer eligibility criteria at the Brand’s discretion, a purchase cannot be validated and no Commissions will be paid to Verve resulting in no Cashback Rewards being applied to the User’s Verve Balance.

There may be other circumstances which result in Commissions not being paid in part or full by Brands to Verve and therefore Cashback Rewards are reduced or not paid to Users as expected, including but not limited to:

Users applying a discount code, loyalty card, gift card, voucher, or other promotion to their purchase;

A Brand issuing a User a partial or full refund for the User’s purchase;

Gift card purchases directly with a participating Brand (as opposed to through the Verve App, see Digital Gift Cards below);

A Brand not paying Commissions to Verve in the expected payment remittance timeframe;

A Brand becoming insolvent and/or ceasing its operations.

Users are advised to refer to the specific Brand’s terms and conditions relating to any Offer, discount code, loyalty card, gift card, voucher, or other promotions for their eligibility criteria, over which we have no control.

To maintain compliance with FCA open banking regulations, Users must maintain consent to a Linked Account to receive uninterrupted Services. If a User does not reconsent or withdraws open banking consent for their Linked Account(s), Verve may be unable to provide all or some Services which may result in the User’s forfeiture of Unredeemed Cashback Rewards and/or unused gift card balances (see Cancellation and Termination for further details).

Should you fail to receive Cashback Rewards on purchases you believe to be eligible for Cashback Rewards, you may notify us using the App’s ‘Missing Cashback’ functionality or by reaching out to us at contact@verve.cash no later than 30 days after the transaction in question occurred. If a missing Cashback Rewards claim is received 30 or more days after the transaction in question occurred, we reserve the right not to action it. We use best efforts to investigate and resolve ‘Missing Cashback’ claims within 5 working days from receipt of the claim; however, should additional time be required we will communicate this being the case in writing within the same period.

Digital Gift Cards

You may purchase digital gift card(s) from the App (“Gift Card” or “Gift Cards”) with available Brands’ Offers to collect Cashback Rewards. Before making a Gift Card purchase, please review all restrictions, terms and conditions of the Brand’s Gift Card(s) to ensure suitability of your intended use and purposes. By purchasing a Gift Card from the App, you acknowledge and agree to all terms and conditions of the Brand. You may cancel a Gift Card purchase at any time prior to your authorisation of payment from your bank to Verve.

Once payment has been received by Verve, your Gift Card purchase is deemed to be final and is non-refundable, unless permitted in accordance with your statutory rights or by applicable law. If you believe you qualify for a refund under those circumstances, please contact us at contact@verve.cash providing as much detail as possible about your Gift Card purchase and we will use best endeavours to investigate and/or resolve the matter.

Once your Gift Card purchase has successfully been made, we may notify you in the App and/or via email. Your purchased Gift Card will appear in the App. If your purchased Gift Card does not appear in your App and you have not received communication or notification from us that there was an issue with your purchase, please notify us immediately at contact@verve.cash so that we may investigate and make best efforts to resolve the matter. Verve will not be responsible for unfulfilled Gift Card purchases which are not reported to us by the User within 48 hours of its purchase.

After you have purchased a Gift Card, if you have questions about its use, terms or experience any issues using it, refer to the applicable Brand’s terms and conditions on their website or contact their customer services. If the Gift Card is faulty, you may be entitled to receive a refund or a replacement card from the Brand directly as this is their product.

Communications

By using the Services you consent to receive electronic communications from us in accordance with our Privacy Policy and any permissions settings in the App. As part of the Services, you may receive push notifications, emails, text messages, alerts, advertisements, promotions, and other types of electronic communications sent to you outside of or in the App. These electronic communications are either: (i) non-promotional in nature for the purposes of sharing with you necessary legal, administrative, or customer service information in accordance with this Agreement (“Service Communications”); or (ii) promotional in nature for the purposes of creating user awareness of Brands, and/or their products/services or Offer(s) (“Marketing Communications”). Applicable laws require Service Communications to be a necessary part of the Services; however, you may unsubscribe from Marketing Communications at any time by emailing us at contact@verve.cash. Push notification permissions are set by you when registering an account with us and can be managed through your mobile phone’s Notification Settings.

Licensing

Unless otherwise stated, we and/or our licensors are the owners of any materials published or used in the Services from time to time. Such materials may include logos, graphics, videos, images, software, and other contents. We grant you a limited, personal, non-exclusive and non-transferable license to make use of the Services, and to download the App for your personal purposes.

Privacy Policy

Our use of your personal data will be governed by our Privacy Policy, which can be accessed through our website (https://verve.cash/privacy-policy/). Please see our Privacy Policy for information about how we use and protect personal data.

Cancellation, Forfeiture and Termination

You may cancel the Services at any time by deleting your account(s) under Profile in the App. To avoid forfeiture of any Unredeemed Cashback Rewards and/or gift cards unused balances, you may want to ensure there is no remaining Pending Cashback Rewards, a positive Verve Balance, or unused balances on Gift Cards in your account’s Wallet prior to deleting your account. Once a User’s account has been deleted, we are under no obligation to honour any Unredeemed Cashback Rewards or Gift Card unused balances to that User.

We reserve the right to close your Verve account, either temporarily or indefinitely, if:

any unlawful, fraudulent or suspicious activity inconsistent with these Terms is identified; or

you have not accepted new Terms; or

the account has been deemed inactive for at least 180 days. Inactivity means without limitation: no log ins to the App; not collecting or receiving (in your Linked Account) Cashback Rewards; and/or no Linked Accounts.

In the event we close your Verve account, any or all Pending Cashback Rewards, positive Verve Balance and/or Gift Card unused balances may be forfeited at any time without notice at our sole discretion.

Transferability

You cannot transfer your Agreement with us to another person (by selling or giving your account or allowing another to use your account). Keep your account details private. If you think someone may have accessed your account, notify us immediately at contact@verve.cash.

Liability Limits

With the exception of Gift Card purchases through the App, Verve is not a party to any Qualifying Transactions with Brands; is not the seller or supplier of, and does not endorse, any of the goods or services that they make available. Thus, we do not have any of the legal obligations that apply to the sellers of those goods or services. Accordingly, we have no control over or responsibility for the quality, safety, or legality of the goods or services available from Brands, or whether the Brand can or will supply and pass good title to any goods or services and have no liability to you if those goods and services provided to you do not meet your requirements. Users should exercise no lesser degree of caution in entering into purchases with Brands than you would when entering into a similar transaction elsewhere.

To the extent that the law permits, you release us, our agents, and employees from all liability arising out of or in connection with any purchases with Brands, including (without limitation) all claims and demands relating to Qualifying Transactions (whether completed or uncompleted) with Brands, or goods/services offered for sale or supply, or actually sold or supplied, through or in connection with any purchase with Brands.

We cannot accept liability for:

Losses not caused by a breach of these Terms by us or our negligence; or

The actions or inactions of any participating Brands; or

Network or Supplier failures.

Third-party Content, Websites and Advice

Some of the content available may include, or link to, websites, services or materials that belong to third parties. Please note that your use of such third-party services will be governed by the terms of service and privacy policy applicable to the corresponding third-party. You acknowledge and agree that Verve is not responsible for the availability of any such external sites or resources, and does not endorse any advertising, products, services, or other materials on or available from such websites or resources.

Some images and other contents published on our App may be stock images and are not intended to amount to advice on which reliance should be placed. We therefore disclaim all liability and responsibility arising from any reliance placed on such materials by any User of our Services, or by anyone who may be informed of any of its contents.

Indemnity

You agree upon demand to indemnify Verve against and to be wholly responsible for all liabilities, claims, damages, losses, and expenses that may arise out of or in connection with: (i) any breach of this Agreement by you or through your account; (ii) any breach by you of any third party right including but not limited to intellectual property, publicity, property, or privacy; (ii) any transaction with a Brand.

Severability

If any provision in these Terms is found to be invalid, illegal, or unenforceable by any court or competent authority, the remaining provisions will continue in full force and effect permitted by applicable law.

No Waiver

No failure or delay by us in insisting or exercising any right or remedy of any of your obligations under this Agreement or these Terms shall be deemed a waiver of that right or remedy nor any subsequent default. Our failure or delay in insisting or exercising any right or remedy will not relieve you of compliance with such obligations. No waiver of any of these Terms by us will be effective unless expressly stated to be a waiver in written communication to you.

Circumstances beyond our control

Verve shall not be in breach of this agreement or otherwise liable for any failure or delay in performance to fulfil our obligations if such failure results from any act, event, non-happening, omission, accident, circumstance, or cause beyond our reasonable control (“Force Majeure Event”). Our performance of obligations is deemed suspended for the period of the Force Majeure Event continues with an extension of time for performance for the duration of that period. We will make best endeavours to resolve or close a Force Majeure Event through solution(s) by which our obligations may be performed despite the circumstances of the Force Majeure Event. If performance of our obligations from a Force Majeure Event has not been restored in a satisfactory timeframe, you may cancel the Services at will (see Cancellation and Termination).

A Force Majeure Event includes but is not limited to: (i) fire, explosion, or natural disasters; (ii) threats of, preparation for, or acts of war (whether declared or not) and/or terrorism, civil commotion, riot, or invasion; (iii) pandemics or epidemics; (iv) acts, decrees, legislation, regulations or restrictions of any government; (v) impossibility of the use of public or private transportation means such as railways, shipping, aircraft, cargo, or motor; (vi) impossibility of the use of public or private broadband and/or telecommunications networks; (vii) cyberattacks; and, (viii) strikes, lockouts, or other industrial action.

Feedback, Complaints and Dispute Resolution

If you have feedback or a complaint about the Services or the App, please notify us at contact@verve.cash. We will make best efforts to resolve the matter in a reasonable timeframe based on the nature of the matter raised.

Changes to these Terms or our Privacy Policy

We may alter these Terms and/or our Privacy Policy from time to time, so please check them regularly. Changes typically occur due to new features, functions, or benefits being introduced to the App. We will attempt to notify you in writing, where possible and reasonable, of any significant changes, but are under no obligation to do so. Your continued use of the Services following the posting of any changes constitutes your acceptance of such changes. We will not be liable for any loss associated with any such changes to the extent permitted by applicable law.

Governing Law & Jurisdiction

These Terms are governed by English law and the parties agree to submit to the exclusive jurisdiction of the English courts.

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