Last updated on May 26, 2023
terms on which the users (“You” or
“User”) access and register on the website
www.flash.co and mobile application
Flash.co owned and operated by
Flashmonk Private Limited
(“Company”), collectively referred to as
These Terms are an electronic record in terms of the Information
Technology Act, 2000 and rules made thereunder as applicable and are
generated by a computer system and does not require any physical,
electronic, or digital signatures.
registering on the Platform or accessing any material, information, etc.,
through the Platform. By clicking on the “Continue”
button provided at the signup page, You accept these Terms, the Privacy
Policy and agree to be legally bound by the same.
The Company retains an unconditional right to modify or amend these Terms
these Terms were last modified by referring to the “Last
Updated” legend above. It shall be Your responsibility to check the
Terms periodically for changes. Your acceptance of the amended Terms shall
signify Your consent to such changes and agreement to be legally bound by
the same. Further, by furnishing Your Personal Information to the Company
or giving Your consent to the Company to access Your Personal Information
for the purpose of rendering the Services (as defined below), You
also agree that You are interested in availing the Services through the
Platform in accordance with these Terms.
Supplemental terms and conditions for ‘Promotional
You acknowledge that the Platform allows You to avail the following
License to the Platform: The Company provides You
a limited, non–exclusive, non–transferable, royalty
free licence to use the Platform for the purposes of registering
on the Platform, accessing the Content (as defined below)
and availing the Services through the Platform. You can register
on the Platform using Your Flash.Co ID (defined later)
e-mail address or any other e-mail address provided by other
e-mail service providers (“Registered e-mail”).
Flash.Co ID: You can sign-up on the Platform to
get an e-mail account provided by the Company (“
Flash.Co ID”), which can be used to sign up
on third party e-commerce sites. Signing up on third party
e-commerce sites using Flash.Co ID shall entitle You to additional
rewards on the Platform.
Seamless order tracking: You will be able to see
Your current order status, expected delivery date, etc., in a
consolidated manner on the Platform.
Insight on the online shopping spendings: Company
shall track and consolidate Your spendings details in terms of
amount per order, types of goods or services availed, spends
during a month, preferred websites etc. Such details will be
collectively displayed on the Platform to provide You with an
understanding of Your shopping habits.
Promotional offers: You may be eligible to
receive rewards, promotions and discounts for using the Platform
and Flash.Co ID (“Promotional Offers”). You may also be eligible to
receive Flashcoins (defined later) and / or coupons, vouchers, discounts and free
memberships as a
part of the Promotional Offers. For more details on Promotional
Offers, please refer to the supplemental terms and conditions on
The aforementioned services shall be collectively referred to as the
“Services”. The Company may, at its
discretion, add, modify, or remove any of the Services listed above
from time to time.
Provision of Services:
You agree and acknowledge that the Company only facilitates availing
of the Services on the Platform. The Services availed by You through
the Platform are separate from the services or products availed by You
from third party service providers. You acknowledge that under no
circumstances should You expect the Company to be responsible for any
deficiency or failure in the services or products provided to you by
the third-party service providers. The services and products provided
by third party service providers may be subject to separate terms and
conditions or such other agreement between You and the concerned
service provider(s), You agree and acknowledge that the Company is
neither a party to such terms nor will it be liable thereunder for any
reason whatsoever. The Company will club the information about
the products or services of different service providers and list them
in consolidated manner on its Platform for the benefit of the Users.
As part of the Services provided to You, You agree to provide honest
feedback/review about Our Services, if required by the Company.
The Company does not: (i) adopt any ‘unfair trade
practices’ either on the Platform or otherwise with respect to
the Services; and (ii) discriminate between Users of the same class or
makes any arbitrarily classification of the Users.
Flashcoin can be earned by signing up on the Platform, referring friends to the Platform, for each
transaction that You undertake which is recorded on the Platform or using Flash.Co ID. You will be
eligible to receive
flashcoins on an e-commerce transactions only upon its successful completion (i.e., only after a
email is received from the merchant on your Flash.Co ID). You can redeem the flashcoins amount directly
to your bank
account by providing your UPI Id and using the redeem option on the Platform.
- Company reserves the right, at its sole discretion, to change the rate of flashcoins to be received by a
proportion to his/her activities
Flashcoins credited to your Account in respect of an e-commerce transaction will be reversed by the
Company in case of
any return, refund or cancellation of such e-commerce transaction by You or the Merchant. Further,
Company reserves the
right to disqualify any User, who does not meet the offer requirements or for any other reason including
but not limited
to any misuse of the offer or fraud or suspicious transaction/activity or under any legal requirement or
rules and regulations, from receiving any cashback amount. Company also reserves the right to
discontinue or change its
cashback policy at any time, at its sole discretion. Company may also at its discretion specify an
expiry period for the
cashback amount. You agree and acknowledge that the Company shall not be obligated to redeem the
cashback amount in any
circumstance including on suspension of Your Account.
Please refer to the Supplemental terms and conditions on cashbacks below for more details on cashback
Company hereby clarifies that it does not operate a prepaid payment instrument (PPI) and any redemption
of the cashback
amount to Your bank account does not tantamount to withdrawals from a PPI.
Eligibility to Use
The Use and access to the Platform is available to all persons who can
be legally bound by contract and who are not disqualified or declared
incompetent under the Indian Contract Act, 1872. You hereby represent
that You are legally qualified to enter a binding contract, are not a
person barred from receiving Services from the Platform under the
applicable laws or by a regulatory authority, are a resident Indian as
per the Indian foreign exchange and tax laws and are competent to
enter into a binding contract.
We maintain the right to provide Services to only those Users who are
– a) competent to enter into legally binding contracts, b) have
made the representations as provided above, c) and also qualify under
the internal policy(ies) for the same determined solely by Us from
time to time. We shall have the sole right to change, modify, add, or
remove, in whole or in part, internal policy(ies), in relation to the
provision of the Services at any time by providing a prior written
notice or intimation to the Users.
You shall not have more than one active Account (as defined below) on the Platform.
Additionally, You are prohibited from selling,
trading, or otherwise transferring Your Account and/or Flashcoins
(as defined later) to another party or impersonating any
other person for the purposing of creating an Account on the Platform.
User Account, Password and Security
You may browse certain sections of the Platform without being
registered with Us. However, to avail the Services on the Platform,
You are required to set up an account on the Platform by providing
such information as may be required by the Company as provided under
access the Platform by logging into Your Account with Your
You shall ensure and confirm that the Account information provided by
You is complete, accurate and up-to-date. If there is any change in
the Account information, You shall promptly update Your Account
information on the Platform.
If You provide any information that is untrue, inaccurate, not current
or incomplete (or becomes untrue, inaccurate, not current or
incomplete), or if the Company has reasonable grounds to suspect that
such information is untrue, inaccurate, not current or incomplete, the
Company has the right to refuse or reject the provision of Services.
You will be responsible for maintaining the confidentiality of the
Account information and are fully responsible for all activities that
occur under Your Account. You agree to immediately notify the Company
of any unauthorized use of Your Account information or any other
breach of security. The Company cannot and will not be liable for any
loss or damage arising from Your failure to comply with this
provision. You may be held liable for losses incurred by the Company
or any other user of or visitor to the Platform due to authorized
access or unauthorized use of Your Account as a result of Your failure
in keeping Your Account information secure and confidential.
You hereby acknowledge and agree that the deletion of the Platform
from Your device does not constitute termination of Your Account and
agree to undertake the process detailed herein in order to complete
the de-registration of Your Account
(“De-registration”). If and when You are
desirous of having Your name and other details removed from Our
records, immediately upon receiving Your written request to that
effect at email@example.com, We shall remove and/delete all such
information. However, we may retain certain information regarding Your
Account, even after receiving a deletion request from You, where such
retention is required under applicable laws. You hereby acknowledge
that the removal of Your details from the Platform does not constitute
termination of Your outstanding obligations, if any, to the
Use of the Platform
Subject to compliance with these Terms, the Company hereby grants You
a non-exclusive, limited privilege to access and use the Platform. You
agree to use the Platform only: (a) for purposes that are permitted by
the Terms; and (b) in accordance with any applicable law, regulation
or generally accepted practices or guidelines. You agree not to engage
in activities that may adversely affect the use of the Platform by the
Company or other Users.
You agree not to access (or attempt to access) the Platform by any
means other than through the interface that is provided by the
Company. You shall not use any deep-link, robot, spider or other
automatic device, program, algorithm or methodology, or any similar or
equivalent manual process, to access, acquire, copy or monitor any
portion of the Platform or Content, or in any way reproduce or
circumvent the navigational structure or presentation of the Platform,
materials or any Content, to obtain or attempt to obtain any
materials, documents or information through any means not specifically
made available through the Platform.
You acknowledge and agree that by accessing or using the Platform, You
may be exposed to content from others that You may consider offensive,
indecent, or otherwise objectionable. The Company disclaims all
liabilities arising in relation to such offensive content on the
Further, You undertake not to host, display, upload, modify,
publish, transmit, store, update or share any information that:
belongs to another person and to which the User does not have any
is defamatory, obscene, pornographic, pedophilic, invasive of
another's privacy, including bodily privacy, insulting, or
harassing on the basis of gender, libelous, racially, or
ethnically objectionable, relating or encouraging money laundering
or gambling, or otherwise inconsistent with or contrary to the
laws in force;
- is harmful to child;
infringes any patent, trademark, copyright, or other proprietary
- violates any law for the time being in force;
deceives or misleads the addressee about the origin of the message
or knowingly and intentionally communicates any information which
is patently false or misleading in nature but may reasonably be
perceived as a fact;
- impersonates another person;
threatens the unity, integrity, defence, security or sovereignty
of India, friendly relations with foreign States, or public order,
or causes incitement to the commission of any cognisable offence
or prevents investigation of any offence or is insulting other
contains software virus or any other computer code, file or
program designed to interrupt, destroy, or limit the functionality
of any computer resource;
is patently false and untrue, and is written or published in any
form, with the intent to mislead or harass a person, entity, or
agency for financial gain or to cause any injury to any person;
disrupt or interfere with the security of, or otherwise cause harm
to, the Platform, systems resources, accounts, passwords, servers,
or networks connected to or accessible through the Platform or any
affiliated or linked sites;
violate the Terms contained herein or elsewhere and/or the Privacy
reverse engineer, modify, copy, distribute, transmit, display,
perform, reproduce, publish, license, create derivative works
from, transfer, or sell any information or software obtained from
You shall solely be responsible for maintaining the necessary computer
equipment, mobile device and internet connections that may be required
to access, use, and transact on the Platform.
Except as expressly indicated herein, the Company hereby grants You
a non-exclusive, freely revocable (upon notice from the Company),
non-transferable access to view any Content available on the
Platform, subject to the following conditions:
You may access the Content solely for personal or informational
purposes, in accordance with the Terms;
You may not modify or alter the Content available on the Platform;
You may not distribute, copy, reproduce, or sell, rent, lease,
license or otherwise make any Content on the Platform available to
You may not remove any text, copyright or other proprietary
notices contained in the Content downloaded from the Platform.
Your use of the Platform shall be only for personal purposes. Your use
of the Platform shall indicate that You have provided consent to
automatically receive updates such as bug fixes, patches, enhanced
functions, missing plug-ins and new versions (collectively,
‘Updates’), for the purpose of effective
delivery of the Services. Please note that Your continued use of the
Platform following such Updates would mean deemed acceptance by You of
Intellectual Property Rights
The Platform and the processes, and their selection and arrangement,
including but not limited to, all text, reports generated, videos,
graphics, user interfaces, visual interfaces, sounds and music (if
any), artwork and computer code (and any combinations thereof) and any
information or materials uploaded by the Users or information or
materials parsed by the Company from the User’s linked email
accounts (collectively, the “Content”) on
the Platform is owned and controlled by the Company and the design,
structure, selection, coordination, expression, look and feel and
arrangement of such Content is protected by copyright, patent and
trademark laws, and various other intellectual property rights. You
are not entitled to duplicate, distribute, create derivative works of,
display, or commercially exploit the Content, features or facilities,
directly or indirectly, without Our prior written permission. If You
would like to request permission in respect of any particular Content,
You can contact Us in the manner provided for in these Terms.
The trademarks, logos and service marks displayed on the Platform
(“Marks”) are the property of the Company
or other respective third parties, as the case may be. You are not
permitted to use the Marks without the prior consent of the Company or
the third party that may own the Marks.
You agree and acknowledge that the Company reserves the right to use
any recourse available to it under applicable laws if it believes that
You have infringed any of its intellectual property
Disclaimers of Warranties and Liabilities
You expressly understand and agree that, to the maximum extent
permitted by applicable law that:
the Platform and other Content is provided by the Company on an
“as is” basis without warranty of any kind,
express, implied, statutory, or otherwise, including the implied
warranties of title, non-infringement, merchantability, or fitness
for a particular purpose. Without limiting the foregoing, the
Company makes no warranty that (i) the Platform or Services will
meet Your requirements, or Your use of the Platform will be
uninterrupted, timely, secure or error-free; (ii) the results that
may be obtained from the use of the Platform will be effective,
accurate or reliable; and (iii) any errors or defects in the
Platform will be corrected. No advice or information, whether oral
or written, obtained by You from the Company shall create any
warranty not expressly stated in the Terms.
Company will have no liability related to any Content arising under
intellectual property rights, libel, privacy, publicity, obscenity,
or other laws. Company also disclaims all liability with respect to
the misuse, loss, modification, or unavailability of any Content.
Company will not be liable for any loss that You may incur as a
consequence of unauthorized use of Your Account or Account
information in connection with the Platform either with or without
Company has endeavored to ensure that all the information on the
Platform is correct, but the Company neither warrants nor makes any
representations regarding the quality, accuracy or completeness of
any data, information regarding the Services or otherwise. The
Company shall not be responsible for the delay or inability to use
the Platform or related functionalities, the provision of or failure
to provide functionalities, or for any information, software,
functionalities and related graphics obtained through the Platform,
or otherwise arising out of the use of the Platform, whether based
on contract, tort, negligence, strict liability or otherwise.
Further, the Company shall not be held responsible for
non-availability of the Platform during periodic maintenance
operations or any unplanned suspension of access to the Platform
that may occur due to technical reasons or for any reason beyond the
Company’s control. You understand and agree that any material
or data downloaded or otherwise obtained through the Platform is
done entirely at Your own discretion and risk, and that You will be
solely responsible for any damage to Your computer systems or loss
of data that results from the download of such material or
These Terms are intended for Users within the territory of India and
govern Your rights as per applicable law within the territory of
India. However, in the event You fall under a jurisdiction outside
the purview of Indian law, We will not be liable for any claim,
action and/or right initiated/exercised by You as per the extant
laws of that jurisdiction. Therefore, We request You to kindly use
the Platform accordingly.
Indemnification and Limitation of Liability
You agree to indemnify, defend and hold harmless the Company, and its
affiliates including but not limited to its (and its
affiliates’) officers, directors, consultants, agents,
representatives and employees
(“Indemnitees”) from and against any and
all losses, liabilities, claims, damages, demands, costs and expenses
(including reasonable legal fees) asserted against or incurred by the
Indemnitees that arise out of, result from, or may be payable by
virtue of, any breach or non-performance of any representation,
warranty, covenant or agreement made or obligation to be performed by
agree to hold the Indemnitees harmless against any claims made by any
third party due to, or arising out of, or in connection with, Your use
of the Platform, any misrepresentation with respect to the data or
information provided by You, Your violation of the Terms and/or the
of any rights of another, including any intellectual property rights.
In no event shall the Company and its officers, partners, consultants,
agents and employees, be liable to You or any third party for any
special, incidental, indirect, consequential or punitive damages
whatsoever, arising out of or in connection with Your use of or access
to the Platform or Content on the Platform.
The limitations and exclusions in this Section apply to the maximum extent
permitted by applicable laws.
Infringement of Intellectual Property
If You believe the Platform violates Your intellectual property, You
must promptly notify Company in writing at Compliance@flash.tech. These
notifications should only be submitted by the owner of the intellectual
property, or an agent authorized to act on his/her behalf. However, any
false claim by You may result in the termination of Your access to the
Platform. You are required to provide the following details in Your
- the intellectual property that You believe is being infringed;
the item that You think is infringing and include sufficient information
about where the material is located on the Platform;
a statement that You believe in good faith that the item You have
identified as infringing is not authorized by the intellectual property
owner, its agent, or the law to be used in connection with the
Your contact details, such as Your address, telephone number, and/or
a statement that the information You provided in Your notice is
accurate, and that You are the intellectual property owner, or an agent
authorized to act on behalf of the intellectual property owner whose
intellectual property is being infringed; and
- Your physical or electronic signature.
Violation of the Terms
You agree that any violation by You of these Terms will constitute an
unlawful and unfair business practice, and will cause irreparable harm
to the Company, for which monetary damages would be inadequate, and You
consent to the Company obtaining any injunctive or equitable relief that
they deem necessary or appropriate in such circumstances. These remedies
are in addition to any other remedies that the Company may have at law
or in equity.
Suspension and Termination
These Terms will continue to apply until terminated by either You or the
Company as set forth below. If You object to the Terms or are
dissatisfied with the Platform, Your only recourse is to (i) close Your
Account on the Platform; and/or (ii) stop accessing the Platform.
The Company may delist You or block Your future access to the Platform
or suspend or terminate Your Account (including cancellation of
Flashcoins issued to You) if it believes, in its sole and absolute
discretion that You have infringed, breached, violated, abused, or
unethically manipulated or exploited any term of these Terms or the
unethically. Notwithstanding anything in this clause, these Terms
will survive indefinitely unless and until the Company chooses to
If You or the Company terminate Your use of the Platform, the Company
may delete any Content or other materials relating to You and the
Company shall have no liability to You or any third party for doing so.
However, Your transactions details may be preserved by the Company for
purposes of tax or regulatory compliance.
Governing Law and Jurisdiction
These Terms shall be governed by and constructed in accordance with the
laws of India without reference to conflict of laws principles and
disputes arising in relation hereto shall be subject to the exclusive
jurisdiction of courts at Bangalore, Karnataka, India.
In the event You come across any abuse or violation of these Terms or if
You become aware of any objectionable content on the Platform, please
report the same to the following e-mail id: firstname.lastname@example.org
You hereby expressly agree to receive communications by way of calls
(including using pre-recorded messages or artificial voice),
SMS, emails and/or WhatsApp from the Company and other third parties
duly authorized by the Company. You certify, warrant and represent that
the telephone numbers and/or email addresses and any other information
that You have provided to Us are Your own and are true, accurate,
current and complete. You agree to notify Us whenever You stop using a
particular telephone number(s) and/or email address(es). You can
unsubscribe or opt-out from receiving communications through calls, SMS,
e-mail, and WhatsApp anytime by writing to Us at email@example.com and
in such cases, the Company will only send You communications solely
required for the purposes of the Services provided through the Platform.
Grievance Redressal Mechanism
Grievance Handling: If You have any grievances, or
complaints or concerns with respect to the Platform, the Content, or the
Services, You can contact the designated Grievance Officer of the
Company, namely, Sugath Surendran, at Sugath@flash.tech
By lodging a complaint or grievance, You agree to provide complete
support to the Grievance Officer and such reasonable information as may
be sought by them from You.
All Services on the Platform are provided to You on a
principal-to-principal basis between You and the Company. Nothing herein
is intended to nor be construed to constitute the relationship of a
principal and agent, employer and employee, partners, joint venture,
co-owners or otherwise as participants in a joint undertaking or
representative of the other for any purpose whatsoever.
Notice: All notices from the Company will be served by
email to Your registered email address or by general notification on the
Assignment: You cannot assign or otherwise transfer
these Terms, or any rights granted hereunder to any third party. The
Company’s rights under the Terms are freely transferable by the
Company to any third party without the requirement of seeking Your
Severability: If, for any reason, a court of competent
jurisdiction finds any provision of the Terms, or any portion thereof,
to be unenforceable, that provision shall be enforced to the maximum
extent permissible so as to give effect to the intent of the parties as
reflected by that provision, and the remainder of the Terms shall
continue in full force and effect.
Waiver: Any failure by Company to enforce or exercise
any provision of the Terms, or any related right, shall not constitute a
waiver by Company of that provision or right.
You shall be eligible to get ‘Launch Offers’,
‘Flash Streaks’ and ‘Brand Streaks’ (together referred
as “Promotional Offers”) for registering on the Platform and transacting on third
e-commerce sites using Flash.Co ID. The Promotional Offers can be in the
form of coupons, vouchers, discounts, complementary memberships, etc.,
(“Benefits”). Promotional Offers can also be
provided in the form of Flashcoins issued by the Company. The following
terms and conditions are specific to the Promotional Offers made available
by the Company (“Promotional Offer TnC”). In
the event You receive any Promotional Offer on the Platform, in any form
as discussed above, You shall be deemed to have read, understood and
agreed to be bound by the ‘Terms’ and ‘Promotional Offer
Launch Offers: Launch Offers are managed by the
Partnered Brands. WhenYou shop using Your Flash.Co ID from the
“Partnered Brands” (i.e., the brands that
have partnered with the Company to offer the Benefits), You shall be
eligible to earn Benefits offered by the Partnered Brands. In order to
receive the Launch Offers / Rewards, You shall be deemed to have read,
understood and agreed to the terms and conditions provided by the
Partnered Brands along with the Terms and Promotional Offer TnC.
Flash Streaks: Upon accomplishing a defined milestones
by completing targeted shopping (in valueor number) on
the third party e-commerce sites using Flash.Co ID, You shall be
eligible to earn Flashcoins and Benefits (“Flash Streak”). The milestones for
Flash Streaks are defined by the Company
and You can track Your achievement on the Platform.
Brand Streaks:Upon accomplishing a defined milestones
by completing targeted shopping (in valueor number) on
the online or offline stores of the Partnered Brands, using Flash.Co ID,
You shall be eligible to earn Flashcoins and Benefits (“Brand Streak”). The
milestones for Brands Streaks are defined and managed by
the Partnered Brands and the Company. In order to get the benefit of
Brand Streaks, You shall be deemed to have read, understood and agreed
to the terms and conditions provided by the Partnered Brands along with
the Terms and Promotional Offer TnC.
Promotional Offer TnC:
You are entitled to receive Flash Streaks on every purchase You make using
Flash.Co ID. However, You shall be eligible to receive Launch Offers and
Brand Streaks, when You make a purchase from the Partnered Brands using
Flash.Co ID, who offer the Benefits.
Other terms and conditions:
You acknowledge that the Benefits provided under the Promotional Offers
are complementary in nature and You cannot maintain any service
deficiency claims or compensation claims against the Company.
Each Benefit is identified by a code and to redeem the Benefit, You must
enter the code correctly and in the manner specified on the Benefit.
- Promotional Offers cannot be purchased using fiat currency.
The Benefits are accrued only if orders are placed through the flash.co ID; and where all the subsequent information
around confirmation, shipping, delivered, cancelled, returns & refunds is captured on the same flash.co ID.
Benefits issued under the Promotional Offers can only be redeemed on the
You cannot redeem the Benefits for cash and Benefits once redeemed
cannot be reversed or refunded.
- You cannot transfer the Benefits to any other person.
Benefits can only be redeemed towards the purchase of eligible products
using Flash.Co ID from the Partnered Brands who have issued the
The validity of the Benefits shall be intimated to You separately at the
time of issuance of the Benefits.
In the event the Benefit is in the form of complementary memberships, do
note the said complementary membership is subject to additional terms
and conditions of the person offering such membership.
Misuse of the Promotional Offers in any manner, may result in
termination or withdrawal of the Benefits.
The Company does not endorse the products sold on the Platform or the
offerings of the Brand Partners and will not accept any liability
pertaining to the quality, fitness, delivery or after sales services.
The Company shall not be responsible towards any delay or failure of
delivery of any Benefits of a Brand Partner.
You acknowledge and agree that the Company reserves right to
add/alter/modify/change any or all of the terms and conditions with
respect to the Promotional Offers or discontinue the Benefits, wholly or
in part, with other benefits at its sole discretion. Any such decision
of the Company in connection with and incidental to the Promotional
Offers shall be final and binding on You.
The Company shall not be liable for any loss or damage, whether direct
or indirect, resulting from the termination or change of the Benefits
under the Promotional Offers which are made available to You. Also, the
Company shall not be responsible for any loss, injury or any other
liability arising due to Your participation in Promotional Offers.
The Benefits under the Promotional Offers shall be subject to force
majeure events and on occurrence of such an event, it may be withdrawn
at the discretion of the Brand Partners and/or the Company. The Company
shall not be liable in the event it fails to fulfill any of its
obligations with respect to the Benefits due to any force majeure event
or change in law or for any other reasons beyond its control.
Supplemental terms and conditions for Flashcoins
You shall be eligible to get Flashcoins by signing up on the Platform,
referring friends to the Platform, for each e-commerce transaction that
You undertake using Flash.Co ID with the Partnered Brands.
The Flashcoins rewarded on transaction with the Partnered Brands shall
be governed (such as time of credit, reversal, expiry period etc.) by
the terms and conditions issued by the Partnered Brands along with the
Terms and Flashcoin Terms.
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