Circles.Life Zerofy Cashin Program Terms and Conditions
1. Agreement to Terms
Circles.Life offers our customers cashback for purchases (“Cashin”) made at third-party merchant partners (“Merchants”) through Zerofy on our Circles.Life mobile application (“Zerofy”). By using and participating in Zerofy, you acknowledge that you have read, understood, and agree to be legally bound by these Terms and Conditions (the “Terms”). Circles.Life reserves the right to modify these Terms at any time without prior notice, at our sole discretion, and such modifications shall become effective immediately upon being posted within the Circles.Life application. Your continued usage and participation in Zerofy following any such modifications constitutes your unconditional acceptance of the revised Terms.
2. Program License
Circles.Life grants you a limited, revocable, non-exclusive, non-transferable license to access and use Zerofy solely for your personal, non-commercial shopping purposes. You agree that you obtain no rights other than the rights and licences expressly granted under these Terms. This license does not permit you to sublicense, transfer, or commercially exploit Zerofy in any manner not expressly authorized by these Terms. All rights not explicitly granted herein are expressly reserved by Circles.Life.
3. Eligibility and Account Requirements
3.1 Eligible Users
Participation in Zerofy is restricted to active Circles.Life customers who: (i) maintain a postpaid subscription in good standing; (ii) have downloaded and installed the most current version of the Circles.Life mobile application; and (iii) do not have any outstanding account balances more than thirty (30) days past due. Enterprise plan subscribers, $0/month Flexi plan subscribers, and Family Plan sub-account subscribers are expressly excluded from participation.
3.2 Prohibited Conduct
You expressly agree not to engage in any of the following prohibited activities: (i) creating or maintaining multiple Circles.Life accounts for the purpose of obtaining additional Cashin rewards; (ii) utilizing unauthorized promotional codes, discount vouchers, or payment methods when making purchases through Zerofy; or (iii) participating in any fraudulent or deceptive transactions.
A failure to abide by any Terms, the perpetration of any fraud or abuse and/or violation of these prohibitions may result in immediate suspension or termination of your Zerofy privileges, forfeiture of accrued Cashin, cancellation of any purchases made through Zerofy and/or potential termination of your Circles.Life account.
4. Earning Cashin
4.1 General Terms
Cashin rewards are earned when you successfully complete all of the following actions: (i) initiate your shopping session by clicking the "Shop Now" button within the Zerofy portal of the Circles.Life mobile application; (ii) complete your purchase through the Merchant's designated checkout process without navigating away from the transaction flow; and (iii) comply with all tracking requirements and Merchant-specific terms as detailed in these Terms and Conditions. Cashin is confirmed and credited in accordance with Clause 5.1 below.
4.2 Tracking Requirements
To ensure proper tracking and qualification for Cashin rewards, you must strictly adhere to the following technical requirements throughout your shopping session:
(a) You must maintain cookies enabled in your mobile browser for the entire duration of your shopping session, from initial click-through on the Circles.Life mobile application to final purchase confirmation on the Merchant's website;(b) You must not open any separate browser tabs or windows during the redirection process from the Circles.Life mobile application to the Merchant's website;(c) You must complete your transaction in a single, continuous session without interrupting the checkout process or visiting other websites between product selection and final purchase confirmation;(d) You must finalize your purchase within the Merchant's specified time window, which typically does not exceed thirty (30) minutes from initial product selection; and(e) You must refrain from engaging in any fraudulent, deceptive, or otherwise prohibited conduct as defined by either Circles.Life or the respective Merchant.Failure to comply with any of these tracking requirements will result in the automatic voiding of any potential Cashin rewards for the affected transaction.4.3 Exclusions
Notwithstanding any other provision of these Terms, Cashin rewards shall not apply to, and shall not be earned on, any portion of your purchase that relates to: (i) applicable taxes, including goods and services tax (GST) or value-added tax (VAT); (ii) shipping, handling, or delivery fees; (iii) gift cards, vouchers, or mobile credit top-ups; (iv) orders placed using unauthorized discount codes or promotional offers; or (v) any transactions that are subsequently cancelled, returned, or refunded by either you or the Merchant. These exclusions are subject to change without notice and Circles.Life hereby disclaims any and all liability in connection with any incorrect information or failure to include information on the list of exclusions.
4.4 Calculation Methodology
Your total Cashin reward for each qualifying purchase shall be calculated as the sum of: (i) the Cashin percentage offered by the Merchant; and (ii) any additional bonus percentage offered by Circles.Life. This combined percentage will be applied exclusively to the net purchase amount, which is defined as the final transaction value after deduction of all ineligible amounts specified in Section 4.3. Cashin percentages vary by Merchant, product category, and ongoing promotions. The applicable combined Cashin percentages will be displayed within the Circles.Life mobile application for each participating Merchant, though this may be subject to changes without prior notice.
5. Cashin Status and Dispute Resolution
5.1 Status Definitions
All Cashin rewards progress through the following status phases:
Pending: Your transaction has been received by our system and is awaiting validation and confirmation from the respective Merchant. This status will typically appear within 48 hours of your completed transaction.
Confirmed: This validation process typically requires between thirty (30) and one hundred twenty (120) days, depending on the specific Merchant's policies and the type of product or service purchased. For travel-related transactions, validation will generally take place only after the completion of your trip, as confirmation depends on travel fulfillment by the Merchant. Once the Merchant has successfully validated your purchase and approved the corresponding Cashin reward, making it available for application toward your Circles.Life bill.
Rejected: Circle.Life and/or the Merchant has declined to validate your purchase for Cashin, typically due to order cancellation, product return, failure to meet the Merchant's specific terms and conditions or Circles.Life deems that you have made a fraudulent or dishonest transaction to earn and/or redeem Cashin.
If a previously confirmed purchase is returned, refunded or cancelled after the Cashin status is listed as “Confirmed”, Circles.Life reserves the right to claw back the corresponding Cashin from your next bill or adjust your balance accordingly.
5.2 Dispute Resolution Process
You are responsible for regularly checking to ensure that Cashin has been tracked. You must notify Circles.Life of any omissions, incorrect entries or discrepancies within [30 days from ‘Confirmed’ status]. Circles.Life reserves the right not to correct any omissions, incorrect entries or discrepancies brought to its attention after the aforesaid period.
If you believe that a qualifying purchase has not been properly credited with Cashin, you may initiate a dispute by: (i) navigating to the Support section within the Circles.Life application; (ii) selecting the Zerofy Cashin category; and (iii) submitting a formal dispute ticket that includes all of the following information: the complete Merchant name, exact date and time of purchase, order identification number, and a clear photograph or screenshot of your purchase receipt. Circles.Life will investigate all properly submitted disputes within fourteen (14) business days and notify you of the resolution.
6. Bill Offset Mechanics
6.1 Application Process
Confirmed Cashin rewards will be automatically applied to offset your Circles.Life monthly bill in the following manner: The total accumulated Cashin balance will be deducted from your outstanding charges on the monthly billing date. Any remaining Cashin balance after this deduction will be carried forward to subsequent billing cycles until fully utilized or until your Circles.Life subscription is terminated.
6.2 Special Conditions
Cashin rewards cannot be:
Transferred to other Circles.Life accounts or third parties
Exchanged for cash or other monetary equivalents
Applied to bills that are already in arrears
7. Merchant Relationships and Responsibilities
Circles.Life acts solely as an intermediary between you and participating Merchants and we are not agents of any Merchants. The Merchant operates independently of Circles.Life and are not under our control. Therefore, we are not responsible for, and do not assume any liability or obligation for:
The quality, safety, merchantability, fitness or legality of products/services offered by Merchants
Any changes to Merchant terms, pricing, or Cashin percentages
The withdrawal or modification of any offer or promotion offered by the Merchants
Inventory availability or order fulfillment
Resolution of disputes regarding product returns or refunds
Any products or services purchased through Merchants, whether through Zerofy or otherwise, is governed by and subject to the applicable Merchant’s policies and terms and conditions, including but not limited to the applicable return, cancellation, exchange and shipping policies. All transactions made through Zerofy constitute direct agreements between you and the respective Merchant, and Circles.Life shall not be held liable for any breaches of such agreements.
Circles.Life is not responsible for changes to, or discontinuance of any Merchant on the Circles.Life mobile application, or the termination of any promotion offered by any Merchant on the Circles.Life mobile application, or for any effect on accrual of Cashin caused by such changes, discontinuance, or withdrawal.
8. Program Modifications and Termination
8.1 Changes to Program Terms
Circles.Life reserves the right to:
Modify Cashin percentages, eligible merchants, or reward structures
Introduce new program requirements or restrictions
Temporarily suspend or permanently discontinue Zerofy
Change any of the Terms
8.2 Account Suspension/Termination
Circles.Life may, in our sole discretion and without notice or liability, immediately restrict, suspend or terminate your participation in Zerofy, or your Circles.Life account if:
You violate these Terms
Fraudulent activity is detected
Your Circles.Life account is terminated
Required by law or regulatory authority
For any other reason deemed reasonable in Circles.Life’s sole discretion
8.3 Final determinations
All eligibility decisions, Cashin approvals, dispute outcomes and similar determinations made by Circles.Life or on its behalf (the “Determinations”) shall be final and conclusive upon issuance. Circles.Life reserves the right to exercise sole discretion when issuing any Determination, including eligibility, Cashin qualification, eligibility of orders, and dispute resolution. To the fullest extent permitted by applicable law, we shall not be required to act reasonably or consider your interests, and you hereby waive any right to appeal, challenge or review such Determinations except in cases of manifest error or bad faith.
9. Limitations of Liability
To the maximum extent permitted by law, Circles.Life's total liability arising from or related to Zerofy shall not exceed the lower of (a) the total Cashin rewards earned by you in the 6 months preceding the claim or (b) SGD 500. Circles.Life shall not be liable for:
Indirect, consequential, or punitive damages
Loss of profits or business opportunities
Errors or delays caused by Merchants
Technical issues beyond our reasonable control
10. General Provisions
10.1 Governing Law
These Terms shall be governed by and construed in accordance with the laws of Singapore, without regard to its conflict of laws principles.
10.2 Dispute Resolution
Any disputes arising out of or relating to these Terms (“Dispute”) shall first be attempted to be resolved amicably through Circles.Life's customer support. If the Dispute remains unresolved within 30 days from submission, the Dispute shall be referred to the Small Claims Tribunal, if the Dispute falls within the jurisdiction of the Small Claims Tribunal; or by referring such Dispute to any court of Singapore if otherwise.
10.3 Severability
If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.
10.4 Force Majeure
Circles.Life shall not be liable for any failure or delay in performance due to events beyond our reasonable control including but not limited to natural disasters, pandemics, or government actions.
10.5 Data Protection and Privacy
Any personal data collected in connection will be processed in accordance with our Data Protection Policy, including usage for Merchant tracking and analytics and you consent to such processing by participating in Zerofy.