These Terms & Conditions (“Terms”) govern access to and use of the BluCru platform (“Platform”) by businesses, organizations, and commercial users (“Customer,” “you,” or “your”). By accessing, using, or submitting orders through the Platform, including by submitting a CSV file or similar request, you agree to these Terms.

Platform Services

BluCru provides a platform that enables businesses to purchase and distribute digital gift cards, rewards, and incentives to recipients via email, SMS, or other supported delivery methods. Unless otherwise stated, BluCru is not the issuer of third-party gift cards or rewards.

Third-Party Gift Cards

Gift cards and rewards made available through the Platform are issued and governed by the applicable merchant or provider. Redemption rules, expiration dates, fees, restrictions, and availability are determined by the issuing provider.

BluCru is not responsible for:

• merchant outages or refusals;

• discontinued gift card programs; or

• changes made by third-party providers.

Available brands and offerings may change.

Customer Responsibilities

You agree to:

• provide accurate information;

• maintain authorization for all purchases and distributions;

• comply with applicable laws and regulations; and

• use the Platform only for lawful business purposes.

You are responsible for:

• recipient selection;

• message content;

• obtaining any required recipient permissions or consents; and

• compliance with any employment, tax, rewards, or promotional obligations related to your campaigns.

Prohibited Uses

You may not use the Platform for:

• fraudulent or unlawful activity;

• spam or unauthorized communications;

• bribery or illegal inducements;

• sanctions or export-control violations; or

• unauthorized resale of gift cards.

BluCru may suspend or terminate access if suspicious, abusive, or prohibited activity is detected.

Orders, Payments, and Refunds

All orders are subject to review and acceptance.

Once a digital reward or gift card has been issued or delivered, transactions are generally final and non-refundable unless otherwise required by law.

BluCru may:

• reject or cancel orders;

• delay fulfillment for fraud or verification review;

• impose transaction limits; or

• request additional business verification information.

You authorize BluCru and its payment providers to charge all applicable fees and taxes associated with your use of the Platform.

Delivery

Delivery timing may vary based on email providers, mobile carriers, third-party systems, and other factors outside of our control.

BluCru is not responsible for failed or delayed delivery caused by:

• incorrect recipient information;

• spam filtering;

• carrier or system outages; or

• technical issues outside reasonable control.

Recipient Data & Privacy

You represent that you have the right to provide recipient contact information for fulfillment and delivery purposes.

You agree not to upload sensitive, unlawful, or unauthorized personal information through the Platform.

Use of the Platform is also subject to the Privacy Policy available at: [Privacy Policy Link].

Intellectual Property

The Platform, including its software, branding, and content, is owned by BluCru and protected by applicable intellectual property laws.

You retain ownership of any materials or branding you provide, but grant BluCru a limited license to use those materials solely to provide the services.

Suspension & Termination

BluCru may suspend or terminate access to the Platform at any time for:

• violation of these Terms;

• suspected fraud or abuse;

• payment issues;

• legal or compliance reasons; or

• security concerns.

Termination does not relieve you of payment obligations incurred before termination.

Disclaimer of Warranties

The Platform and services are provided “as is” and “as available.” To the maximum extent permitted by law, BluCru disclaims all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement.

Limitation of Liability

To the maximum extent permitted by law, BluCru will not be liable for:

• indirect, incidental, special, or consequential damages;

• lost profits, revenue, or goodwill;

• actions or failures of third-party merchants; or

• delivery failures outside reasonable control.

BluCru’s total liability arising from the Platform or services will not exceed the amounts paid by you to BluCru during the three (3) months preceding the event giving rise to the claim.

Indemnification

You agree to indemnify and hold harmless BluCru and its affiliates, employees, and partners from claims, damages, losses, or expenses arising from:

• your use of the Platform;

• your violation of these Terms;

• your campaigns or recipient communications; or

• your violation of applicable laws or third-party rights.

Changes to These Terms

BluCru may update these Terms from time to time. Updated Terms become effective upon posting to the Platform or otherwise providing notice to you. Continued use of the Platform constitutes acceptance of the updated Terms.

Governing Law

These Terms are governed by the laws of the State of Pennsylvania, without regard to conflict-of-law principles. Any disputes relating to these Terms or the Platform will be resolved exclusively in the state or federal courts located in Chester County, Pennsylvania.