Tide March 2024 Offer Terms and Conditions

Offer Details

1. This offer will begin on 01 March 2024 and will end on 31 March 2024 (both dates inclusive).

2. This offer is available to select members only. We will reach out to the eligible members on call, email, SMS, WhatsApp or through the Tide app.

3. As part of this offer, a Tide member can get: (i) one (1) iPhone 15 Pro Max (under the Top Spender Category); and (ii) cashback as specified in the offer communication (under the Milestone Category), upon making Tide Expense Card transactions which meet the eligibility criteria for those categories of offers.

Terms specific to the Top Spender Category

1. To be eligible to get the reward under this category, you must: (a) cumulatively spend at least Five Lakh Rupees (INR 5,00,000) during the offer period using your Tide Expense Card; (b) the highest spenders during the offer period out of all participating Tide members; and (c) make such transactions for personal use and not for business use.

2. In case of a tie (where two or more members spend the same amount), such members will be required to answer qualifying skill-based questions correctly within the given time period using the link we share. The members first in time to answer the questions correctly will be eligible to claim the reward. For example, if 10 members have spent the same amounts during the offer period, the member who answers the qualifying skill-based questions first in time will be eligible to claim the reward. The timestamps of responses will be used to determine the time of answering the qualifying question. If you do not respond within the given time period, or answer any question incorrectly, you will not be eligible to claim the reward.

3. The selected member will receive an email from us informing them about their reward. To claim the reward, such members must follow the instructions in our email and (a) provide any additional information required by us; and (b) pay us the applicable amount of tax to be deducted on the reward, in light of applicable provisions of the Income Tax Act, 1961. If the selected member fails to claim the reward as per our email within seven (7) business days from the date of the email, such member will be deemed to have forfeited their right to claim the reward and Tide may decide to allow the next eligible member to claim the reward in its sole discretion.

4. Once the selected member claims their reward (as per clause 3 above), the reward will be delivered to their address registered with us, within ninety (90) days from the date on which they claim the reward. We wish to ensure that all rewards are delivered to the right address. Thus, we may call the selected member on their mobile number registered with us to verify their address before dispatching the reward. If such members would like the reward to be delivered to an alternate address (i.e. an address not registered with us), we may conduct additional due diligence of the details submitted to our satisfaction. In such cases, the delivery of rewards may take longer than the aforesaid time period. You agree to not hold us, our directors, officers, employees, or service providers, responsible for any delays in delivery of rewards caused due to events beyond our reasonable control.

5. Graphics of the reward in any communication regarding the offer are for representation purposes only. The actual reward may differ in colour and appearance. In circumstances beyond our control, we may substitute the reward with a similar alternative reward of equal value at our sole discretion. If you earn a reward, you cannot transfer, assign, or redeem it for cash or other consideration.

Terms specific to the Milestone Category

1. Cashback offer for subscribers of paid plans is governed by the Paid Plan Terms and Conditions and not these terms. Accordingly, subscribers of paid plans are ineligible to participate in the Milestone Category under these terms.

2. To be eligible to receive cashback under this category, you must: (a) make valid transactions on your Tide Expense Card during the offer period and meet the transaction milestones specified in the offer communication; and (b) make such transactions for personal use and not for business use.

3. The eligible members will receive an email from us informing them about their rewards. To receive rewards, you must: (a) follow the instructions in our email; and (b) provide us any additional information required by us. If you fail to claim the reward as per our email within five (5) business days from the date of our email, you will be deemed to have forfeited your chance to claim the reward.

4. Members who meet the eligibility criteria and have followed the instructions in our email can receive rewards of up to INR 3,500. Cashback will be credited in the prepaid payment instrument (PPI) associated with the eligible members’ Tide Expense Card. We aim to make the cashback payment within thirty (30) working days from the last date of the offer period.

5. If cashback cannot be credited to PPIs for any reason, we reserve the right to offer the eligible members Amazon gift cards of amounts equal to the cashback they’re eligible for. Gift cards will be sent to your email ID registered with us. Note that it may take up to thirty (30) days after the completion of the offer period for your gift card to arrive in your email. In case you receive the reward in the form of an Amazon gift card, please note that additional terms may apply to the redemption of the Amazon gift cards (including Amazon’s own terms). We advise you to review all information included with your Amazon gift card. If you avail of your Amazon gift card, Amazon will process your personal data (as a data fiduciary separate from us) in line with its privacy policy. You understand that we do not issue Amazon gift cards. Accordingly, we are not responsible for any issues relating to their use, redemption, limitations, or unavailability. We give no warranty of any kind nor accept any liability in connection with the Amazon gift cards distributed as part of the offer.

Terms applicable to both categories of this offer

1. These offer terms and conditions are to be read together with the Tide Membership Terms and the

   Tide Rewards Terms and Conditions. Members who are not compliant with those terms will be disqualified from this offer.

2. This offer, the eligibility criteria, disqualification criteria, validity criteria for transactions, rewards and any other terms can be modified, withdrawn, or cancelled, in part or in full, at any time, in our sole discretion, without any intimation.

3. This offer is only valid once per member and no member will be eligible to participate in this offer twice. This offer cannot be used in conjunction with any other Tide offer or promotion.

4. We consider the date on which money is deducted from your PPI (linked with your Tide Expense Card) as the date of the transaction.

5. If your Tide Expense Card is cancelled or withdrawn, or if the PPI associated with your Tide Expense Card is terminated or suspended, any rewards earned under this offer (which are yet to be delivered) will be deemed forfeited.

6. Only genuine transactions will count towards eligibility for this offer. A transaction will not count towards the eligibility for this offer if: (a) you cancel or reverse the transaction; (b) the transaction is invalidated or refunded or fails to go through; (c) the merchant or you dispute the transaction; (d) the transaction is made to load/fund your PPI associated with the Tide Expense Card; (e) the transaction is not made during the offer period; (g) the transaction is a cash withdrawal from an ATM; (h) the transaction is not valid or appears to be suspicious or fraudulent or done with an intent to abuse the process or for wrongful gain to any member or wrongful loss to Tide; (i) the transaction is made towards a purchase of prohibited goods or services; or (j) the transaction is directly or indirectly made towards payment of rent, utilities, bill payments, fuel or education fee. This list is non-exhaustive and may be subject to change from time to time. Merchants or the merchant banks get a specific code based on what they sell or the services they provide. This code is called a Merchant Category Code (MCC). We use the MCC to determine the nature of a transaction. We do not control what type of MCC a merchant gets and cannot change this code. This means that in some cases, a transaction which seems to be eligible for this offer may not actually be eligible because of the MCC.

7. If we find that rewards have been delivered to you incorrectly, we reserve the right to cancel or set off such erroneously delivered rewards against any sums we owe you, subject to applicable law. We also reserve the right to withhold or forfeit any rewards we believe have been earned fraudulently.

8. This offer is being made on a “best effort” basis and participation in this offer is voluntary. By participating in this offer, you agree to release from liability, and hold harmless us, and any of our affiliates, employees or agents representing or related to us and our services/products. This release is for all liability arising out of, or in connection with this offer, even if caused or contributed to by our negligence.

9. Our decision as to the rewards and any associated computation will be final and binding. For any disputes about the rewards, you must reach out to us at indiasupport@tide.co within thirty (30) days from the date you’re informed about the rewards you’ve earned under the offer.