Maximizing rewards with confidence: understanding your rights and responsibilities on Rewarble.
Rewarble is a rewards and incentive fulfilment platform operated by Centiward B.V. Businesses use Rewarble to run their own reward and incentive programmes and to make rewards available to the individuals they choose. A Recipient can redeem a Reward Grant on Rewarble and choose how to receive it, for example, as a digital product, a Reward Card, or a subscription.
These Terms govern your use of the Service as a recipient of rewards made available to you, including when you redeem a Reward Grant and choose how to receive it. The defined terms used in these Terms are explained below.
“Company”, “we”, “us”, or “our” refers to Centiward B.V., the entity that operates the Rewarble Service.
“Rewarble” refers to the online platform managed by the Company, through which Recipients redeem Reward Grants.
“Reward Grant” means a code or link issued by the Company and distributed through its authorised channels, which can be redeemed on Rewarble for an Entitlement that may then be used to acquire a Reward Option, or for a Reward Trade-In, through the Service.
“Entitlement” means the right a Recipient obtains upon redemption of a Reward Grant to acquire Reward Options through the Service. An Entitlement carries a value that is used only to determine which Reward Options are available to the Recipient and the Trade-In Price of a Reward Trade-In.
“Reward Option” means any item or service available through the Rewarble catalogue, including digital products of third-party brands, subscription and gaming credit, and Reward Cards.
“Reward Card” means a prepaid card made available as a Reward Option, issued by a card issuer (the “Card Issuer”) under its own cardholder terms as part of a corporate-funded prepaid programme, such as an incentive and rewards programme, and intended for online merchant spending.
“Reward Trade-In” means an alternative to a Reward Option under which the Company buys back your Entitlement, in whole or in part, for its own account and pays you the purchase price shown before you confirm (the “Trade-In Price”) through its regulated payment service providers.
“Service” means the Rewarble platform through which Recipients may redeem Reward Grants, acquire Reward Options or choose a Reward Trade-In.
“Recipient” or “you” means any individual or entity that redeems a Reward Grant and uses the Service.
“Profile” refers to a Recipient’s registered access to the Service, created upon redemption, through which you may select and receive Reward Options.
Please read these Terms and Conditions (“Terms”) carefully before using the Rewarble website. By accessing or using the Service, you agree to be bound by these Terms, as updated from time to time, which then describe our contractual relationship. If you do not agree to these Terms, you must not use the Service.
If you are an individual, you must be at least 18 years old, or have reached the legal age of majority in your jurisdiction if that is higher, to use the Service. By using the Service, you represent and warrant that you meet this requirement, that you are not located in a prohibited or sanctioned jurisdiction, and that you are not subject to any applicable sanctions list. The Service is not available in certain territories, and we may refuse, restrict, or withdraw access where required by law or our risk policies.
To redeem a Reward Grant, you must provide a valid email address and any other information we request, which creates a Profile through which you select and receive Reward Options, or choose a Reward Trade-In. You agree to provide accurate, current, and complete information and to keep it up to date. You are responsible for maintaining the confidentiality of your Profile and for all activity that occurs under it. The Company employs secure access mechanisms, but safeguarding your access credentials is your responsibility. One person may hold only one Profile unless we agree otherwise in writing. You may close your Profile at any time. If an Entitlement remains, you should first choose a Reward Option or a Reward Trade-In, since any Entitlement remaining at closure can no longer be used.
Reward Grants can be redeemed on Rewarble for a specified value, which becomes your Entitlement. Upon redemption, that value can be used to acquire Reward Options through the Service.
Reward Grant validity: Reward Grants issued on or after 1 July 2026 are valid for 24 months from the date of issue. Reward Grants issued before that date are valid for 12 months from the date of issue, unless a different period is stated at issue. An expired Reward Grant cannot be redeemed, and its value is forfeited and will not be refunded or reinstated.
Single use: each Reward Grant may be redeemed once. We may decline to redeem, or reverse the redemption of, any Reward Grant that we determine to be invalid, duplicated, fraudulently obtained, charged back, or issued or redeemed in error.
An Entitlement is a right to acquire Reward Options through the Service. It is not money held for you, is not a bank deposit, does not earn interest, and is not a payment account, and it cannot be exchanged for cash. Applying an Entitlement to a Reward Option is the exercise of that right, not a payment. The Company may offer to buy back an Entitlement through a Reward Trade-In, as described below. The value carried by an Entitlement is used only to determine which Reward Options are available to you and the Trade-In Price. The value you can realise depends on the Reward Option you choose and its price, or on the Trade-In Price, which are shown at the relevant step of the customer journey, and will be less than the nominal value of the Entitlement. An Entitlement has no value outside the Rewarble platform and cannot be moved to another Recipient.
Reward Options are acquired by applying your Entitlement through the catalogue. Where you choose a Reward Trade-In instead of a Reward Option, the Company buys back your Entitlement, in whole or in part, for its own account and pays you the Trade-In Price through its regulated payment service providers.
The Trade-In Price is the purchase price the Company pays for the Entitlement. It is below the nominal value of the Entitlement and is shown before you confirm. The Company makes no separate charge for a Reward Trade-In and does not act on your behalf in it.
The payment service provider, not the Company, executes the payment of the Trade-In Price. When you confirm a Reward Trade-In, you confirm that the account or wallet you provide is your own, so that the Trade-In Price is paid to you. We may ask you to prove this, and may hold or refuse a Reward Trade-In until you do.
Each Reward Option has a price that is applied to your Entitlement when you choose it. The Company makes no separate charge for using the Service or redeeming a Reward Grant. The prices, Trade-In Prices, limits, supported territories, and supported currencies that apply are displayed on the Rewarble website and at the relevant step of each transaction, and may be updated from time to time. The Company delivers the Reward Option you choose. Reward Cards are issued by the Card Issuer and made available to you through Rewarble, and the Trade-In Price is paid through our regulated payment service providers. The availability, timing, and limits depend on the relevant partner and your chosen destination. Fulfilment times may vary, and we are not responsible for delays outside our control. You authorise us to apply the price of the Reward Option you choose, and to recover any amount you owe us (including reversed, charged-back, or fraudulently obtained value, and any resulting shortfall) from your Entitlement, reducing it accordingly.
The Company operates an anti-money-laundering and counter-fraud programme and screens Recipients against applicable sanctions and politically-exposed-person lists. As part of our legal obligations and our fraud and risk policies, we may, at our discretion and at any time during the relationship, require you to prove your identity or provide additional information or documentation. This may include proof of identity, proof of address, and proof of how you obtained, or the origin of, the Reward Grants you have redeemed or wish to redeem. Higher Reward Card limits, or certain usage patterns or jurisdictions, may require full identity verification or enhanced due diligence. Until any verification or request is completed to our satisfaction, we may block the Entitlement in your Profile, withhold or delay redemptions or Reward Trade-Ins, or refuse a transaction. You agree to cooperate with these requests and to provide accurate and complete information.
We may suspend, freeze, limit, or close your Profile, and suspend any associated Reward Cards or pending transactions, at any time where we suspect fraud, abuse, or breach of these Terms, where required by law or by a regulator or partner, or where reasonably required to protect the Service or other Recipients. Where practical, we will tell you, but we may act first and explain afterwards where fraud prevention, security, or legal obligations so require.
During a suspension or investigation, the Entitlement in your Profile is frozen, not forfeited, and not released until the matter is resolved. Where we determine that a Reward Grant was obtained fraudulently, that value derives from an invalid or charged-back Reward Grant, or that these Terms were breached, we may withhold or recover the value of any affected Reward Grant or transaction, or reverse the redemption of an affected Reward Grant, including by deactivating affected Reward Grants or reducing the Entitlement in your Profile.
Where a Profile holds a positive Entitlement and has not had a Reward Grant redemption for at least 6 months, part of that Entitlement expires each month. The 6-month period is measured from your most recent Reward Grant redemption. Using your Entitlement for a Reward Option or a Reward Trade-In, or any other activity, does not restart it.
The part that expires each month is shown on the Rewarble website and may be updated from time to time. Expiry is not a charge for any service, and it never takes your Entitlement below zero.
Before any part of your Entitlement first expires, we may send you a reminder notifying you of the remaining Entitlement so that you can use it, but expiry does not depend on such a reminder. You can avoid expiry by redeeming a new Reward Grant or by using your full Entitlement before the 6-month period elapses. Expiry stops when the Entitlement reaches zero or when you redeem a new Reward Grant. You can reactivate your Profile at any time by redeeming a Reward Grant. The Company may modify this expiry policy, and any change will be communicated and reflected in these Terms.
A Reward Card is a prepaid card made available as a Reward Option, for conducting transactions with online merchants. Reward Cards are issued by the Card Issuer under a corporate-funded prepaid programme, such as an incentive and rewards programme, subject to the terms and conditions of the Card Issuer, which you accept when you request the card, and run on one or more major card networks, whose rules also apply. We may offer different Reward Card types with different limits and features, such as a maximum spending limit or availability for use with mobile wallets. The features, limits, and charges of each Reward Card type are shown on the website and may vary by programme and territory. Upon issue, a Reward Card is activated for a specified period. You may be able to extend this period under the conditions shown on the website.
The Company acts as an intermediary for Reward Cards: we bring you and the Card Issuer together so that you, as the cardholder, can enter into a card agreement directly with the Card Issuer. We are not the issuer of the card, we are not a party to your agreement with the Card Issuer, and we do not hold money for you on the card. The Card Issuer may apply charges for its services under its own terms. These charges, and our charge for arranging the card, are shown on the website when you choose and use the card.
Each Reward Card has a validity period, which is set out on the website and may differ depending on the Reward Card type. The spending limit of a Reward Card must be used within its validity period, and where a date is also shown on the card itself, the validity period on the website prevails. Once the validity period ends, the Reward Card and any unused spending limit can no longer be used. The spending limit of a Reward Card does not earn interest and cannot be withdrawn as cash.
You obtain a Reward Card by applying your Entitlement, and the Card Issuer makes it available with a spending limit for online use. A Reward Card holds no money of yours. Its spending limit is funded under the programme and cannot be increased from a bank account or from any other source outside the Rewarble platform. Spending limits and transaction limits apply and may vary by card type. A Reward Card cannot be used for transactions that exceed its spending limit. Repeated declined transactions may result in temporary suspension of a card by us or by the Card Issuer for regulatory or security reasons.
A Reward Card is for lawful online purchases only. Certain merchant categories are blocked, including cash access and ATM withdrawals, cryptocurrency, and gambling. Use of a Reward Card in territories designated as high-risk or non-cooperative by the Financial Action Task Force (FATF), or in sanctioned territories, is prohibited. Additional merchant category restrictions may apply depending on the card type. Transaction monitoring systems may automatically flag and temporarily suspend Reward Cards based on suspicious activity patterns.
Some transactions may require additional authentication, such as 3-D Secure verification. You are responsible for completing any required authentication and for any transaction you authorise. You must keep your card details secure and must not share them with anyone.
You agree to comply with all applicable laws and regulations in your use of the Service. You are responsible for any content you provide through the Service and agree not to transmit any unlawful or objectionable material. You shall not use, or permit the use of, any Reward Card, Reward Grant, Profile or Entitlement in connection with any activity that (a) is unlawful; (b) violates any card scheme rule, payment network rule or requirement of the Company's payment service providers, banking partners or other service providers; or (c) may expose the Company, its payment service providers, banking partners or other service providers to regulatory, financial, operational or reputational risk. Also, you shall not misuse the Service, including by attempting unauthorized access, disrupting the Service for others, circumventing our controls or limits, using anonymisation tools to disguise your location, operating multiple Profiles, or engaging in fraudulent activity. Any such use or misuse constitutes a material breach of these Terms and may result in suspension, freezing, termination and forfeiture of rights in accordance with the Terms.
We may, at our sole discretion and without prior notice, immediately suspend, freeze, restrict or terminate access to any Reward Card, Reward Grant, Profile, Entitlement or related services where:
(a) we reasonably suspect fraud;
(b) we reasonably suspect that you have used, attempted to use, permitted the use, or intend to use or permit the use of a Reward Card, Reward Grant, Profile or Entitlement in violation of these Terms, the Use Restrictions, the Acceptable Use Policy, applicable law, sanctions requirements, anti-money laundering requirements or any policy of the Company’s payment service providers, banking partners or other service providers; or
(c) we determine, following investigation, that fraud or a material breach described in paragraph (b) has occurred.
A Reward Card, Reward Grant, Profile or Entitlement may remain suspended or frozen for the duration of any investigation conducted by the Company or any competent authority.
Where we determine, acting reasonably and based on sufficient evidence, that you have committed fraud or have materially breached these Terms, including any violation of the Acceptable Use Policy, Use Restrictions or applicable law, we may
(a) permanently suspend or terminate the relevant Reward Card, Reward Grant or Profile;
(b) permanently freeze, cancel or remove any remaining Entitlement; and
(c) declare forfeited all your rights, claims, entitlements and interests relating to the affected Reward Card, Reward Grant, Profile and Entitlement.
The rights set out in this clause are without prejudice to any other rights or remedies available to us, including the right to recover losses, damages, costs and expenses arising from the fraud or material breach.
We use automated systems to detect fraud and abuse and to apply our limits and controls, including velocity checks, device and network analysis, and identity and risk scoring. Some decisions, such as flagging or suspending a Profile, may be taken automatically. Where an automated decision significantly affects you, you may contact us to request human review. Further detail on how we process personal data, including any sharing with verification and analytics providers, is set out in our Privacy Policy.
The Service, and the Company’s own trademarks, logos, and content are owned by or licensed to the Company. You are granted only a limited, non-exclusive, revocable right to use the Service in accordance with these Terms, and you acquire no right to use the Company’s intellectual property for any other purpose. Brand names, trademarks, and logos of third parties that appear in the catalogue are the property of their respective owners and are shown for identification and reference purposes only. Their appearance does not imply any endorsement by, affiliation with, or sponsorship by those owners.
Your privacy is important to us. The Company’s Privacy Policy, available on the Rewarble website, outlines how we collect, use, and protect your personal information.
To the maximum extent permitted by law, the Company shall not be liable for any damage or loss arising in connection with these Terms or the use of the Service, including any unauthorized use of a Reward Card, nor for any indirect, incidental, special, consequential, or punitive damages, or for any loss of profits or revenues, whether incurred directly or indirectly, or for any loss of data, use, goodwill, or other intangible losses. Nothing in these Terms limits any liability that cannot be limited or excluded under applicable law.
The Service is provided “as is” and “as available”, without warranties of any kind, express or implied, including the implied warranties of merchantability, fitness for a particular purpose, or non-infringement, to the extent permitted by law.
You agree to indemnify and hold harmless the Company, its affiliates, and their respective officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses arising from your breach of these Terms or your misuse of the Service.
We will not be liable for any failure or delay in performing our obligations under these Terms due to events beyond our reasonable control, including acts of nature, war, terrorism, civil unrest, strikes, or failures of public utilities, payment service providers, or communication networks.
We may change, suspend, or discontinue any part of the Service at any time. We may also modify these Terms. For material changes, we will give you reasonable notice by a method we consider appropriate, such as posting on the website or notifying you, before the changes take effect. Your continued use of the Service after the changes take effect signifies your acceptance. If you do not accept a change, you should stop using the Service and use any remaining Entitlement beforehand.
We may assign or transfer these Terms (that is, the contract embodied in these Terms), in whole or in part. You may not assign your rights or obligations under these Terms without our prior written consent.
Where VAT or a similar tax applies to a Reward Option, for example to certain digital products, it is included in the price of that Reward Option. You are responsible for determining and paying any other taxes that apply to you, including on the Reward Options you acquire through the Service.
If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions will remain in full force and effect.
Our failure to exercise or enforce any right or provision of these Terms shall not constitute a waiver of that right or provision unless acknowledged and agreed by us in writing.
These Terms, together with the Privacy Policy, constitute the entire agreement between you and the Company regarding the use of the Service. The terms of the Card Issuer and any terms of a payment service provider are separate agreements between you and them.
These Terms are governed by the laws of the Netherlands. Disputes arising under these Terms will be submitted to the exclusive jurisdiction of the Rechtbank Oost-Brabant.
These Terms are available in several languages. If a translation differs from the English version, the English version prevails.
Centiward B.V. is a private limited liability company (Besloten Vennootschap) registered in the Netherlands.
