Reward Store Terms & Conditions

The Reward Store is part of the reward program of African Bank. The use of the Reward Store is exclusively for eligible African Bank loyalty program members ("Member" or "Members") who are aged 18 or older, and who can enter into legally binding agreements. The rules relating to the use of the Reward Store are set out below and should be read in conjunction with the African Bank Terms of Use.

By accessing the Reward Store website ("Site") or any website linked to the Site and making transactions through the Site, specifically by clicking the "I AGREE" and/or similar buttons, you expressly indicate your acknowledgment and acceptance of the rules applicable to the Reward Store and the Reward Store Privacy Notice.

The independent merchants in the Reward Store (see further below) may send email service communications, including purchase confirmation emails, and you agree that such electronic communications satisfy any legal requirements that such communications be in writing. Service communications cannot be opted out of and therefore if you do not wish to receive these communications, you will not be able to redeem African Bank loyalty points ("Point" or "Points") or make any purchases using the Site.

You can redeem Points in accordance with the following redemption types: Buying, Donating, Raffles and Points Conversion.

The rewards consist of travel services and any other goods or services purchased by you and sold and distributed by independent merchants who make available such rewards directly to you via the Reward Store.

Every time you purchase a reward via the Reward Store, you directly enter into an agreement with the respective merchant. African Bank only provides the access and the technical platform for you to redeem rewards directly from the merchant. You agree and acknowledge that separate terms and conditions of the relevant merchant will apply to any reward redemptions via the Reward Store. You agree to abide to such applicable terms and conditions, including but not limited to, rules and restrictions on availability, shipment and delivery terms, notification of defects, return and refund policies, money back guarantees and claim for damages. African Bank will not become a party to the transaction between you and the merchant. You should read the terms and conditions of the respective merchant on the Merchant Details tab as you will need to accept that merchant's terms and conditions prior to redeeming any reward.

You may only use the Reward Store to make non-commercial, legitimate reservations or reward purchases or benefit from other redemption types and shall not use the Site or the Reward Store for any other purposes, including making any speculative, false or fraudulent reservations or reward purchases or other reward redemptions. Rewards on the Reward Store are subject to availability at the time you place the purchase order. By accessing and/or using the Reward Store, you authorize African Bank to consider any person using your information a legitimate user. Rewards can be redeemed only by the Member personally. Members/legal guardians must ensure that the login details are not used illegally. African Bank bears no responsibility for any consequences of illegal use of the personal details. African Bank reserves the right to refuse access to the Site in cases it deems constitute misuse.

African Bank will not be held responsible for the exclusion of Members who use the Reward Store unlawfully.

Through this redemption type, you can purchase travel services or rewards from merchants in exchange for Points, or a combination of Points and cash by debit card or credit card. For each transaction, the use of at least one Point is mandatory. Please see section 4 below for further details.

Through this redemption type, you can redeem Points by making donations or contributions to African Bank's designated charities. Donations can only be made in Points.

Through this redemption type, you can redeem Points by purchasing raffle tickets for such amount as specified in the Reward Store for each specific raffle, provided that you have sufficient Points available on your African Bank loyalty account. Raffle tickets can only be redeemed against Points and no raffle tickets can be purchased in cash by debit card or credit card. This redemption type will only be available in jurisdictions where permitted by applicable law and is separate to Instawards promotions, which are subject to separate terms set out in section 6 below.

Through this redemption type, you can redeem your Points by converting them to cash on the African Bank App or Online Banking which will be deposited into your MyWORLD Account. You cannot withdraw or reverse a request to convert your Points to cash. This redemption type is only available if your MyWORLD Account is active. The converted cash can take up to two business days to reflect in your MyWORLD Account.

When purchasing rewards via the Reward Store, you can pay for such rewards either with Points, or with any combination of Points and cash (by debit card or credit card).

You may purchase a reward for such amount of Points as indicated for each reward in the Reward Store, provided that you have sufficient Points available on your account at the time of purchase. Points that are not yet accrued and credited to your account at the time you place the purchase order are not available for reward purchase. Should you not have sufficient Points available at your account at the time of the purchase, or should you prefer to pay only part of the reward Points, you may pay the difference in cash (by debit card or credit card) in accordance with these terms and conditions. Points are deducted from your account as soon as a reward is purchased.

You may pay part of the reward price in cash by debit card or credit card. For payments by debit card or credit card, a secure Credit Card Internet Gateway Service (with for example 3D Secured) is used. The communication with the payment gateway happens via https. The amount as indicated in the Reward Store for the respective reward will be collected by the African Bank on behalf of the merchant.

The amount of Points necessary for the purchase of a particular reward is as specified on the Site, which may be subject to change at any time without notice to you. The number of Points for a purchase can differ from reward to reward.

Any rewards purchased by you with Points that have not been properly debited to your account can be reclaimed by African Bank at any time without compensation.

Regarding shipping, handling, returns or other delivery related matters such terms and conditions as set out in the relevant Merchant Details tab on the Reward Store are exclusively applicable.

Rewards are sent only to the address explicitly provided with a specific reward order. Delivery dates cannot be guaranteed and African Bank does not assume any liability for failed deliveries caused by incorrect addresses, absence of the recipient, customs issues, force majeure or other reasons not under reasonable control of African Bank. Please contact the merchant in case of non-delivery of the reward beyond the estimated delivery time stipulated on the order confirmation page. Any non-delivery claims received later than 3 months from order date can no longer be processed.

The prices on the Reward Store include all taxes and shipping and handling fees of the merchant unless otherwise specified. Nevertheless, for some rewards, you may be charged and may bear in addition local duties and taxes such as for example VAT and/or luxury or customs taxes depending on your local jurisdiction. Please check with your local customs authorities prior to ordering a reward.

Where required by applicable law, merchants give a 14-day withdrawal period dating from the day on which you received the reward. The withdrawal period shall however always comprise at least 7 working days from the day on which you received the reward. During this period, you have the right to withdraw from the purchase by notifying the merchant and returning the unused and undamaged products in original packaging within 14 days of notifying the merchant to the merchant's address. Rewards returned thereafter can no longer be considered for refund or exchange nor can the Points be refunded unless specified otherwise. There may be no withdrawal period for perishable or customized items or for digital downloads - please refer to the Merchant Details tab on the Reward Store for more details.

In case a merchant grants a return period that exceeds any legally required withdrawal period, such terms as set out in the relevant Merchant Details tab in the Reward Store are exclusively applicable. In case of (i) returns in accordance with the applicable terms and conditions of the relevant merchant, or (ii) unsuccessful delivery due to your actual fault (e.g. insufficient or incorrect delivery address or no physical acceptance of reward at delivery address) you may be charged with incurred credit card fees, additional shipping and handling fees, and any other taxes and expenses in connection therewith. You may be required to pay these charges in Points equivalent or cash (by debit card or credit card), depending on the nature of the original redemption transaction.

In case of an existing fault in a reward, such guarantee periods, if any, as set out in the relevant Merchant Details tab are exclusively applicable.

6.1 InstaHub rewards are made available at no cost to Members from time to time and are to be claimed via the Site.

6.2 The rewards consist of goods or services available to you via InstaHub and which are distributed by independent merchants and/or African Bank who make available such rewards directly to you.

6.3 Rewards offered by African Bank for example, loyalty program points, are subject to African Bank Terms and Conditions.

6.4 Every time you claim a non- African Bank reward via the Site, you directly enter into an agreement with the respective merchant. African Bank only provides the access and the technical platform for you to redeem those rewards directly from the merchant. You agree and acknowledge that separate terms and conditions of the relevant merchant will apply. You agree to abide to such applicable terms and conditions, including but not limited to, rules and restrictions on availability, shipment and delivery terms, notification of defects, return and refund policies, money back guarantees and claim for damages. African Bank will not become a party to the transaction between you and the merchant. You should read the terms and conditions of the respective merchant on the Merchant Details tab as you will need to accept that merchant's terms and conditions prior to claiming any reward.

6.5 Neither rewards nor loyalty program points may be transferred, redeemed for cash or substituted by you.

6.6 African Bank reserves the right in its sole and absolute discretion to award a substitute reward of equal or greater value if a reward described is unavailable or cannot be awarded, in whole or in part, for any reason.

6.7 Neither Apple nor Google sponsor any of the promotions available via InstaHub.

We process personal information as required to operate the African Bank loyalty program as explained in our African Bank Terms of Use and Privacy Notice.

Access to and use of password protected and/or secure areas of the Reward Store is restricted to authorised persons only. Unauthorized individuals attempting to access these areas of the Reward Store may be subject to prosecution. You are responsible for maintaining the confidentiality of your credentials, including your account and password, and for restricting access to your computer to prevent unauthorised access to the Reward Store. You agree to accept responsibility for all redemption and other activities that occur under your account or password. You should take all necessary steps to ensure that the credentials are kept confidential and secure and should inform the African Bank immediately if you have any reason to believe that your password has become known to anyone else, or if the password is being, or is likely to be, used in an unauthorised manner.

When purchasing rewards through the Reward Store, you enter into a purchase agreement with the relevant merchant of the product, and not African Bank. You expressly acknowledge and agree that merchants are independent contractors and not employees or agents of African Bank. African Bank is not liable for the acts, errors, omissions, representations, warranties or negligence of the merchants. African Bank shall not be responsible for or liable to you in connection with any restrictions, qualifications, or other terms and conditions imposed by the merchant on any reward items. As far as permissible by applicable law, the African Bank hereby disclaims any product or other liability, whether based on contract, tort, strict liability or otherwise, including without limitation liability for any direct, punitive, special, consequential, incidental or indirect damages, in connection with the rewards provided by any merchant through the Reward Store, including without limitation liability for any act, error, omission, injury, loss, accident, delay or irregularity which may be incurred through the fault, negligent or otherwise, of such merchant and you hereby expressly exonerate the African Bank from any liability with respect to the same. To the extent permitted by law, the African Bank exclude all liability to you or other person of whatsoever nature in respect of any negligence, willful misconduct, poor service or other breach of obligation arising out of the provision or failure to provide the services by or on behalf of a merchant.

African Bank does not warrant or represent that the content on the Site or any website linked to the Site is complete or up-to-date. African Bank is under no obligation to update any content on the Site. African Bank may change the content on or make improvement or changes of the Site at any time without notice. The information, products, and descriptions of rewards and other services published on the Site or a linked site may include inaccuracies or typographical errors, and to the extent permitted by law, the African Bank specifically disclaims any liability for such inaccuracies and errors.

You agree that the African Bank and its affiliates and any of its respective officers, directors, employers, or agents will not be liable, whether in contract, tort, strict liability or otherwise, for any indirect, punitive, special, consequential, incidental or indirect damages (including without limitation lost profits, cost of procuring substitute service or lost opportunity) arising out of or in connection with the use of the Site or the Reward Store, or with the delay or inability to use the Site or a linked site, even if they have been made aware of the possibility of such damages. This limitation on liability includes, but is not limited to, the transmission of any virus which may infect your equipment, failure of mechanical or electronic equipment or communication lines, telephone or other interconnect problems, unauthorized access, theft, operator errors, strike or other labor problems or any force majeure. African Bank cannot and does not guarantee continuous, uninterrupted or secure access to the Site or the Reward Store.

African Bank reserves the right to seek all remedies available at law and in equity for any misuse of the Site or the Reward Store and/or violations of these rules, including the right to block access from a particular internet address and to exclude you from accessing the Reward Store.