21/01/2026
We provide the K-Card mobile application (App) that allows you to upload receipts from UK corner shops in order to earn Koins, which can be redeemed for a reward, in accordance with these Terms.
In these Terms, when we say you or your, we mean you, the individual accepting these Terms for yourself. When we say we, us, or our, we mean Corner Collective Ltd, a company registered in England and Wales with company number 16551137. Our contact details:
These terms and conditions (Terms) form our contract with you, and set out our obligations as the provider of the App and your obligations as the user of the App. We will provide the App to you in accordance with these Terms and all applicable law. Some capitalised words in these Terms have defined meanings, and each time that word is used in these Terms it has the same meaning. You can find a list of the defined words and their meaning at the end of these Terms.
1.1 These Terms apply from the time you agree to these Terms, until the date these Terms are terminated in accordance with their Terms (Term).
1.2 Subject to your compliance with these Terms, we will provide you with access to the App.
1.3 We will not be responsible for any other services or benefits unless expressly set out in these Terms or on our App.
1.4 Where you engage third parties to operate alongside the App (for example, any third-party software systems you wish to integrate with the App), those third parties are independent of us and you are responsible for (meaning we will not be liable for) the goods or services they provide, unless we expressly agree otherwise.
1.5 We may amend these Terms at any time, by providing written notice to you. By clicking "I accept" or continuing to use the App after the notice or 30 days after notification (whichever date is earlier), you agree to the amended Terms. If you do not agree to the amendment, you should cease using the App.
1.6 If you access or download our mobile application from (1) the Apple App Sore, you agree to any Usage Rules set forth in the App Store Terms of Services or (2) the Goole Play Store, you agree to the Android, Google Inc. Terms and Conditions including the Google App Terms of Service.
2.1 You must sign up for an Account to access and use the App.
2.2 To be eligible to sign up for an Account, you must be:
2.3 You may only maintain one Account. The creation of multiple Accounts or sharing credentials of your Account is strictly prohibited.
2.4 While you have an Account with us, you agree to:
2.5 If you close your Account, you will lose access to the App, including any unredeemed Koins.
3.1 By using the App, you may earn Koins for the use of the App, including through the successful submission of valid Receipts, for the successful completion of Quests, or as may otherwise be available on the App (for example, through the "Welcome Bonus"). Koins:
3.2 For the avoidance of doubt, we are not a payment processor or payment service provider. We do not hold or store money and do not have the technical capability to take and process payments or to transfer money on your behalf. The payment of the Data Submission Fee to you is our provision of a reward to you due to your use of the App.
3.3 There is no limit on the number of Receipts you may submit on the App, but the total number of Koins you may earn per calendar month are capped at the Monthly Cap set out on the App. You will not earn Koins:
3.4 From time to time, we may run Quests, which are optional promotional activities available on the App. Each Quest has its own rules, Koin-earning mechanisms, Quest Rewards, and expiry dates (Quest Rules). Please check the App for the individual details of a Quest and the Quest Rules. By participating in, and completing a Quest, you agree to the Quest Rules.
3.5 You may request us to pay the Data Submission Fee by selecting the "withdraw" option on the App. You understand and agree that:
3.6 You acknowledge and agree that:
3.7 You must not use the App in a fraudulent, abusive, or unlawful manner, or in any way that breaches these Terms, including the eligibility criteria and prohibitions specified in clause 4. We only accept Receipts that represent genuine purchases made personally by you from qualifying retailers. Any use of the App that we reasonably determine to be fraudulent, abusive, or in breach of these Terms may result in the refusal, cancellation, or clawback of any earned Koins, refusal to pay any Data Submission Fee or suspension or termination of your Account.
We reserve the right to decline, refuse, cancel, claw back, or forfeit any Koins, and to refuse payment of any Data Submission Fee, where we reasonably suspect or identify fraudulent, abusive, or otherwise improper use of the App, including but not limited to:
5.1 During the Term, we grant you a right to use our App in accordance with these Terms. This right cannot be passed on or transferred to any other person.
5.2 You must not:
6.1 While we strive to always make the App available to you, we do not make any promises that these will be available 100% of the time. The App may be disrupted during certain periods, including, for example, as a result of scheduled or emergency maintenance.
6.2 The App may interact with, or be reliant on, products or services provided by third parties, such as cloud hosting service providers. To the maximum extent permitted by law, we are not liable for disruptions or downtime caused or contributed to by these third parties.
6.3 We will try to provide you with reasonable notice, where possible, of any disruptions to your access to the App.
7.1 We own all intellectual property rights in the App. This includes how the App looks and functions, as well as our copyrighted works, trademarks, inventions, designs and other intellectual property. You agree not to copy or otherwise misuse our intellectual property without our written permission (for example, to reverse engineer or discover the source code of our intellectual property), and you must not alter or remove any confidentiality, copyright or other ownership notice placed on the App.
7.2 We own or have licenses to all content displayed on the App (Content). You do not have any ownership rights in any Content on the App. Subject to your compliance with these Terms, we grant you a non-exclusive, revocable, non-sublicensable and non-transferable licence to view the Content, solely for your own personal use.
7.3 You must not, unless expressly authorised by us or these Terms:
7.4 We may use any feedback or suggestions that you give us in any manner which we see fit (for example, to develop new features), and no benefit will be owed to you as a result of any use by us of your feedback or suggestions.
7.5 This clause 7 will survive the termination or expiry of these Terms.
8.1 When you use the App, we may create anonymised statistical data from your usage of the App, any Receipts inputted into the App, or for any completed Quests (for example, through aggregation). Once anonymised, we own that data and may use it for our own purposes, such as to provide and improve the App, to develop new services or product offerings, to identify business trends (including marketing trends or purchasing habits), and for other uses we communicate to you. This may include making such anonymised data publicly available or to license to third parties for commercial purposes, provided it is not compiled using a sample size small enough to make your data or identity identifiable. You understand that the anonymised statistical data may be used by third parties, including Partner Brands for general market research.
8.2 We collect, hold and disclose and use any personal data (including pseudonymised data) you provide to us in accordance with our privacy policy, available on the App, and applicable privacy laws. You acknowledge and agree that we create, use and commercialise pseudonymised data for the purposes of audience targeting, activation and measurement. By accepting these Terms, you understand and agree to our use of your personal data as set out in our privacy policy.
8.3 You must only disclose personal data to us if you have the right to do so.
8.4 We disclose personal data to third parties, such as our related companies or our service providers (for example, IT and administrative service providers and our professional advisors) and this will be set out in further detail in our privacy policy.
8.5 Where we are required by law to report on our activities, you acknowledge that from time to time we may request certain information from you in order to meet our requirements, and you agree to provide us with such information within the timeframes reasonably requested by us.
8.6 This clause 8 will survive the termination or expiry of these Terms.
9.1 Nothing in these Terms limits any liability which cannot legally be limited, including Liability for:
9.2 This clause applies to the extent that the App is considered digital content and you are a 'consumer' under the Consumer Rights Act 2015. If the App is defective and this damages a device or digital content belonging to you and this is caused by our failure to use reasonable care and skill, we will either repair the damage or pay you compensation. However, we will not be liable for damage which you could have avoided by following our advice to apply an update offered to you free of charge or for damage which was caused by you failing to correctly follow installation instructions or to have in place the minimum system requirements advised by us.
9.3 Subject to the clauses above, to the maximum extent permitted by law, we will not be liable for any Liability caused or contributed to by, arising from or in connection with:
9.4 Subject to the clauses above, but despite anything else to the contrary in these Terms, to the maximum extent permitted by law:
9.5 This clause 9 will survive the termination or expiry of these Terms.
10.1 To the extent that you are using or accessing the App on an iOS device through a mobile application from the Apple App Store, you further acknowledge and agree to the terms of this clause.
10.2 You acknowledge that these Terms are between you and us only, not with Apple Inc. (Apple), and Apple is not responsible for the App and any content available on the App.
10.3 Apple has no obligation to furnish you with any maintenance and support services with respect to the App.
10.4 If our App fails to conform to any applicable warranty, you may notify Apple. To the maximum extent permitted by applicable law, Apple will have no other warranty obligation whatsoever with respect to the mobile application and any other claims, losses, liabilities, damages, costs or expenses attributable to any failure to conform to any warranty will be our responsibility.
10.5 Apple is not responsible for addressing any claims by you or any third party relating to our App or your use of our App, including but not limited to: (1) product liability claims; (2) any claim that our mobile application fails to conform to any applicable legal or regulatory requirement; and (3) claims arising under consumer protection or similar legislation.
10.6 Apple is not responsible for the investigation, defence, settlement and discharge of any third-party claim that our App infringes that third party's intellectual property rights.
10.7 You agree to comply with any applicable third-party terms when using our App.
10.8 Apple and Apple subsidiaries are third-party beneficiaries of these Terms, and upon your acceptance of these Terms, Apple will have the right (and will be deemed to have accepted the right) to enforce these Terms against you as a third-party beneficiary of these Terms.
10.9 You hereby represent and warrant that: (1) you are not located in a country that is subject to a U.S. Government embargo, or that has been designated by the U.S. Government as a "terrorist supporting" country; and (2) you are not listed on any U.S. Government list of prohibited or restricted parties.
Suspension
11.1 We may suspend your access to the App where we reasonably believe there has been any unauthorised access to or use of the App (such as the unauthorised sharing of login details for the App or fraudulent use of the App). If we suspend your access to the App, we will let you know within a reasonable time of doing so, and we will work with you to resolve the matter, or if it cannot be resolved, then we may terminate these Terms and your access to the App will end, including your access to your Account.
11.2 If your Account records no Receipt submissions for 12 consecutive months, we may end your access to the App, including your access to your Account.
11.3 Any unredeemed Koins and any accrued Data Submission Fees will be forfeited when we end access to the App.
Termination
11.4 We may terminate these Terms (meaning you will lose access to the App, your Account and any unredeemed Koins) if:
11.5 If we terminate these Terms for insolvency under clause 11.4(c), any earned Koins will not be able to be redeemed for the Data Submission Fee during any formal insolvency process and we may revoke any accrued Data Submission Fees.
11.6 You may terminate these Terms if:
11.7 You may also terminate these Terms at any time by notifying us through your Account or to our email for notices (as set out in clause 12.10), and termination will take effect immediately.
11.8 Termination of these Terms will not affect any other rights or liabilities that we or you may have. This clause 11 will survive the termination or expiry of these Terms.
12.1 Anti-fraud and anti-money laundering: We reserve the right to carry out additional identity, source-of-funds or other checks we deem necessary to satisfy anti-fraud and anti-money-laundering obligations. Failure to provide requested information may result in suspension of your Account, forfeiture of Koins and the revocation of any accrued Data Submission Fees.
12.2 Assignment: You may not transfer or assign these Terms (including any benefits or obligations you have under these Terms) to any third party without our prior written consent. We may assign or transfer these Terms to a third party, or transfer any debt owed by you to us to a debt collector or other third party.
12.3 Complaints and Feedback: We are always looking to improve our services and products. If you have any feedback or a complaint, please notify us on our contact details set out in these Terms and we will take reasonable steps to address any concerns you have.
12.4 Contracts (Rights of Third Parties) Act 1999: Notwithstanding any other provision of these Terms, nothing in these Terms confers or is intended to confer any right to enforce any of its terms on any person who is not a party to it.
12.5 Disputes: A Party may not commence court proceedings relating to any dispute arising from, or in connection with, these Terms (Dispute) without first meeting a representative of the other Party within 14 days of notifying that other Party of the Dispute. The Parties agree to work together in good faith to attempt to resolve the Dispute.
12.6 Events Outside Our Control: We will not be liable for any delay or failure to perform our obligations, if such delay or failure is caused or contributed to by an event or circumstance beyond our reasonable control.
12.7 Governing law: These Terms are governed by the laws of England and Wales and both parties submit to the exclusive jurisdiction of the courts operating in England and Wales.
12.8 Illegal Requests: We reserve the right to refuse any request for or in relation to the App that we deem inappropriate, unethical, unreasonable, illegal or otherwise non-compliant with these Terms.
12.9 Nature of Legal Relationship: These Terms do not create, and should not be interpreted so as to create, a partnership, joint venture, employment or agency relationship between us and you.
12.10 Notices: Any notice you send to us must be sent to the email set out at the beginning of these Terms. Any notice we send to you will be sent to the email address registered against your Account.
12.11 Regulatory Disclaimer: Koins are solely a contractual reward for the use of the App and do not constitute electronic money, stored-value units, payment services or regulated payment instruments under the Financial Services and Markets Act 2000, the Payment Services Regulations 2017 (PSRs), or the Electronic Money Regulations 2011 (EMRs). The App operates as a provider of market research and advertising inventory, and is not subject to Financial Conduct Authority (FCA) authorisation or regulation as a payment service provider, payment institution, credit institution, or e-money issuer. We act solely as a payer on the basis of a value exchange between us and the user of the App, paying the Data Submission Fee or other reward (e.g. gift card) from our general funds to a user who has validly used the App and redeemed Koins. We do not accept, hold, or transfer funds on behalf of a third party, and we are not acting as a Payment Service Provider (PSP) or Money Service Business (MSB). A user's entitlement to receive the Data Submission Fee arises only from these Terms and Koins confer no rights beyond those expressly stated in these Terms.
In these Terms:
Account means an account accessible to the individual who signed up to the App.
Branded Item means an individual line item on a Receipt that relates to a pre-packaged fast-moving consumer good or similar convenience product intended for personal use or consumption, sold under a distinct product brand or manufacturer brand, as determined by us in our reasonable discretion. Branded items do not include services, restaurant or takeaway meals, travel or transport tickets, accommodation, utilities, subscriptions, financial products, lottery or gambling products, gift cards, delivery fees, tips, or other non-product charges.
Eligible Purchase means a purchase of one or more Branded Items from a qualifying independent UK retailer, substantiated by a valid, itemised Receipt.
Cash Equivalent Value means the indicative value amount for every Koin, as set out on the App, used solely to calculate the amount of the Data Submission Fee provided to you upon successful verification and redemption of Koins.
Consequential Loss includes any consequential loss, special or indirect loss, real or anticipated loss of profit, loss of benefit, loss of revenue, loss of business, loss of goodwill, loss of opportunity, loss of savings, loss of reputation, loss of use and/or loss or corruption of data, whether under statute, contract, equity, tort (including negligence), indemnity or otherwise.
Data Submission Fee means a payment of a reward or in the form of a digital gift card (where offered) made by us to you upon successful verification and redemption of Koins, calculated based on the Cash Equivalent Value.
Koins means a unit of contractual reward provisionally credited to your Account. Koins are not legal tender, do not constitute a deposit, electronic money, or stored value, and represent only a conditional, non-transferable entitlement to a Data Submission Fee. The redemption value is determined at a rate of the Cash Equivalent Value.
Liability means any expense, cost, liability, loss, damage, claim, notice, entitlement, investigation, demand, proceeding or judgment (whether under statute, contract, equity, tort (including negligence), indemnity or otherwise), howsoever arising, whether direct or indirect and/or whether present, unascertained, future or contingent and whether involving a third party or us or you or otherwise.
Monthly Cap means the amount of Koins you may earn in any given calendar month, which is as set out in the App, and may change from time to time.
Quest means an optional, time-limited promotional activity published in the App. Successful completion of a Quest provides an additional Quest Reward.
Quest Reward means Koins earned through successful completion of a Quest. This reward contributes to the overall Data Submission Fee and is subject to the same terms and conditions as Koins earned via Eligible Purchases.
Receipt means a clear, itemised proof of purchase dated within 14 days of submission to the App.
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