Terms of Service

These Terms of Service (the "Terms") form a binding agreement between you and Nova Universe AB (see section 1) for the use of the Cashodilo mobile application (the "App") and the website cashodilo.com (together, the "Service").

You accept these Terms by ticking the acceptance box when you first open the App. We may amend these Terms. Amended Terms apply once you have accepted them in the App, and the App requests your acceptance before you can continue to use the Service. The version in force is identified by the date at the top of this page. The Referral Terms form part of these Terms. Our processing of personal data is described in the Privacy Policy.

1. Who we are

1.1 The Service is provided by Nova Universe AB, a company registered in Sweden ("Cashodilo", "we", "us" or "our").

1.2 You can contact us at support@cashodilo.com.

2. Eligibility

2.1 You must be at least 16 years old to use the Service. If the law of your country of residence requires a higher age to enter into this agreement, you must have reached that age.

2.2 The Service is offered in selected countries in North America and Europe, as determined by us from time to time (each a "Supported Country"). We may extend the Service to further countries or withdraw it from a country at any time. You may use the Service only if you reside in a Supported Country.

2.3 We determine your country once, on the basis of your network location when you first open the App. Your country is not changed by travel or by the use of a VPN, proxy or similar service.

2.4 Each person may hold only one account for the Service (an "Account"), and each Account may be used only by the person who holds it. You may not create or use more than one Account, share an Account or use an Account created by another person.

2.5 You may not use the Service if we have previously suspended or terminated an Account held by you.

2.6 Payouts via PayPal and Swish are available only to users aged 18 or over.

3. Your Account

3.1 An Account is created automatically when you first open the App. Until it is linked to an Apple or Google sign-in account, it is an "Anonymous Account". You must link your Account before your first payout.

3.2 You are responsible for the security of your device and of the sign-in account linked to your Account. You must notify us without undue delay if you suspect unauthorised access to your Account.

3.3 If you link a sign-in account that is already linked to another Account, the Coins held in your Anonymous Account are transferred to that other Account and the Anonymous Account is deleted.

4. Coins

4.1 Coins are a virtual unit of account within the Service ("Coins"). Coins are not money, electronic money or a financial instrument, have no monetary value outside the Service and do not constitute your property. Coins may not be transferred, sold, exchanged or otherwise disposed of and may be used only to redeem Rewards in accordance with section 6.

4.2 The Coin price of each Reward is stated in the App and may vary by country and Reward.

4.3 Our records of the Coins credited to and debited from your Account are authoritative. We may debit Coins that were credited in error or in respect of an activity that a Partner reverses, even if the debit results in a negative balance. A negative balance is offset against subsequent credits.

4.4 Coins do not expire while your Account exists. Coins are forfeited when an Account is deleted (section 9) or terminated (section 8).

5. Earning Coins

5.1 Coins are earned by completing activities offered through the Service by third parties ("Partners") and through bonuses offered by us. Coins for an activity are credited only after the Partner concerned has confirmed to us that the activity qualifies for a reward. The Partner's determination is final.

5.2 Games. The Games feature is provided by Adjoe GmbH ("Adjoe") through its Playtime service. Coins are credited for time spent in, or milestones reached in, games installed through the App. On Android, the measurement of play time requires the usage-access permission. Games installed outside the App, on another device or through a VPN, emulator or similar tool do not qualify. The Adjoe Terms of Use apply in accordance with section 11.

5.3 Surveys. Surveys are provided by CPX Research and Prime Surveys. Coins are credited when the survey provider confirms completion. Where a survey provider ends a survey early, including for a screen-out or a full quota, only the amount paid by the provider, if any, is credited.

5.4 Welcome bonus. We may grant a one-time welcome bonus to a new installation of the App. The welcome bonus is granted no more than once per device, irrespective of the number of Accounts created on that device.

5.5 Streaks and boosters. We may offer daily bonuses and time-limited multipliers on the terms stated in the App, and may change or discontinue them at any time with effect for future earnings.

5.6 Leaderboard. We may operate a weekly leaderboard that ranks users in the same country by the Coins earned from Games during the week. Any prizes are stated in the App and are awarded in Coins. Users who have chosen not to appear on the leaderboard are not eligible for prizes. We may disqualify any score obtained in breach of these Terms.

5.7 Referrals. The Referral Terms apply.

5.8 We may set daily, periodic or lifetime limits on any method of earning Coins.

6. Rewards and payouts

6.1 Coins may be redeemed for the rewards listed in the rewards catalog in the App ("Rewards"). Each Reward is stated in the reward currency of your country. Minimum amounts are stated in the catalog.

6.2 Redeeming Coins creates an order for a Reward (an "Order") and debits the corresponding Coins immediately. Every Order is reviewed by our staff before it is fulfilled. The App states the usual review time; a review may take longer, in particular for a first Order, an Order of high value or an Account showing unusual activity. We may limit the number of Orders that may be open at the same time.

6.3 PayPal. Cash payouts are made to the PayPal account you have connected through Log in with PayPal. The PayPal account must be held by you and must be able to receive payments in your reward currency. PayPal may hold, delay or return a payment in accordance with its own terms. If a payment is returned to us, we re-credit the corresponding Coins to your Account.

6.4 Swish. Payouts via Swish are available in Sweden only. To receive them, you must link a Swedish Swish number and the personnummer to which that number is registered, both of which must belong to you. Once linked, the Swish number cannot be changed by you; you may request a change from us. Swish payments are final and cannot be reversed once executed.

6.5 Gift cards and reward codes. Reward codes are displayed in the App and, at your request, sent to the email address linked to your Account. Once a code has been displayed to you, you bear the risk of its loss, theft or unauthorised use, and we are not obliged to replace it. The terms of the issuing brand, including any expiry date, apply to the code.

6.6 If we reject an Order, the corresponding Coins are re-credited to your Account and the reason is stated in the App.

6.7 You are solely responsible for any taxes, duties and charges on the Rewards you receive. We do not withhold taxes and provide statements only where required by law.

6.8 We may change the rewards catalog, Coin prices and minimum amounts at any time. An Order is fulfilled at the Coin price applicable when it was placed.

7. Prohibited conduct

You must not:

• use a VPN, proxy, emulator, virtual machine, rooted or jailbroken device, or any other tool that conceals or alters your device, location or identity;
• create or use more than one Account, or create an Account for another person;
• automate any activity, install games without the intention of playing them, or reset device identifiers in order to obtain a bonus more than once;
• provide false answers in surveys or complete surveys by automated means;
• buy, sell, trade or otherwise transfer Accounts, Coins or Rewards;
• interfere with the Service, the software of our Partners or our systems; or
• use the Service for any unlawful purpose.

8. Fraud, suspicious activity and termination

8.1 We may suspend or terminate your Account with immediate effect and without prior notice if we have reasonable grounds to suspect fraud, a breach of these Terms or other suspicious activity in connection with your Account.

8.2 If your Account is suspended or terminated under section 8.1:

• you can no longer earn Coins or redeem Rewards;
• Orders that have not yet been fulfilled are cancelled;
• Coins obtained in breach of these Terms are removed; and
• you have no claim to any Coins, Rewards, payouts or compensation of any kind.

8.3 We may report the activity to the Partner concerned and, where required or permitted by law, to the competent authorities.

8.4 Decisions under this section are taken by our staff and are not based solely on automated processing. You may request a review of a decision by contacting us at support@cashodilo.com within 30 days of being notified of it.

9. Deletion of your Account

9.1 You may delete your Account at any time in the App (Profile → Delete account). The data that is deleted and the data we are required to retain are described on the Delete your account page.

9.2 An Account cannot be deleted while an Order is being processed.

9.3 On deletion, any Coins that have not been redeemed are forfeited.

9.4 We may delete an Anonymous Account if the App has not been opened for 30 days. Any Coins in that Account are forfeited.

10. Intellectual property

10.1 The Service, including its design, mascot and software, is owned by us or our licensors.

10.2 We grant you a personal, non-exclusive, non-transferable and revocable licence to use the App on a device you own or control, for its intended purpose and in accordance with these Terms.

10.3 Games and surveys offered by Partners are the property of their respective owners and are subject to their terms.

11. Third-party services and partner terms

11.1 Adjoe, CPX Research, Prime Surveys, PayPal, Swish, Apple and Google are independent third parties with their own terms and privacy policies. We are not responsible for their content, availability or decisions.

11.2 The following documents are incorporated by reference into these Terms and apply to your use of the Games feature:

• Adjoe Terms of Use: https://adjoe.zone/legal/en/terms_of_use.html

11.3 By accepting these Terms, you also accept the Adjoe Terms of Use. The Adjoe Terms of Use govern the relationship between you and Adjoe in respect of the Playtime service. In the event of a conflict, these Terms prevail as regards Coins, Rewards and your Account.

11.4 Adjoe processes personal data in connection with the Games feature as an independent controller in accordance with its Data Privacy Statement: https://adjoe.zone/legal/en/data_privacy.html.

12. Availability, disclaimer and limitation of liability

12.1 We may modify, suspend or discontinue the Service, or any part of it, at any time. Where we discontinue the Service as a whole, we will give notice in the App where reasonably practicable.

12.2 To the extent permitted by applicable law, the Service is provided "as is" and "as available", without warranties of any kind, whether express or implied. In particular, we do not warrant that games, surveys or Rewards will be available at any given time, that you will earn any particular number of Coins, or that the Service will be uninterrupted, secure or free of errors.

12.3 To the extent permitted by applicable law, we are not liable for:

• any indirect or consequential loss, loss of profit, loss of earnings or loss of opportunity;
• any loss of Coins, Rewards or data;
• the acts, omissions, decisions or services of Partners, payment providers or other third parties, including decisions on whether an activity qualifies for a reward and any hold, delay or return of a payment; or
• any failure or delay caused by events beyond our reasonable control.

12.4 To the extent permitted by applicable law, our total liability to you arising out of or in connection with these Terms or the Service is limited to EUR 100 or the equivalent amount in your reward currency.

12.5 You shall indemnify us against claims brought by third parties, and the related losses and reasonable legal costs, arising from your culpable breach of these Terms or your unlawful use of the Service.

12.6 Nothing in these Terms excludes or limits our liability for death or personal injury caused by our negligence, for fraud, for intentional or grossly negligent conduct, or any other liability that cannot be excluded or limited under applicable law, nor does it affect your statutory rights as a consumer.

13. Governing law and disputes

13.1 These Terms are governed by the laws of Sweden.

13.2 Disputes arising out of or in connection with these Terms are subject to the jurisdiction of the Swedish courts, with Stockholm District Court (Stockholms tingsrätt) as the court of first instance.

13.3 If you are a consumer resident in the European Union, you retain the protection of the mandatory provisions of the law of your country of residence and may bring proceedings in the courts of that country.

13.4 Consumers resident in Sweden may also refer a dispute to the National Board for Consumer Disputes (Allmänna reklamationsnämnden, ARN).

14. General provisions

14.1 Language. These Terms are drawn up in English. Translations are provided for convenience only; in the event of any inconsistency, the English version prevails.

14.2 Severability. If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions remain in full force and effect.

14.3 Assignment. We may transfer our rights and obligations under these Terms to a company that takes over the Service. We will notify you of any such transfer in the App.

14.4 No waiver. A failure or delay by us in exercising a right under these Terms does not constitute a waiver of that right.

15. Contact

Nova Universe AB, support@cashodilo.com