Terms Of Service

Updated: October 9, 2025

By accessing or using any of our software applications or services, including our GeniusCash Rewards application, Rate Your Wallet application, and our Max Spending application (the "App(s)"), any of our websites, including creditcardGenius.ca and moneyGenius.ca (the "Site(s)"), any of our rewards programs, including our GeniusCash rewards program (the “Rewards Programs”), or any other related services (all of our software, Apps, Sites, Rewards Programs and related services are referred to in these Terms as the “Services”) offered by WeyMedia Inc. or its affiliates (collectively referred to as “WeyMedia”, “we”, “our” or “us”), you (“you”, “your” or the “user”) are agreeing to be bound by these Terms of Service ("Terms"). If you do not wish to be bound by these Terms, you must discontinue your use (which includes accessing) of the Services.

We reserve the right to modify these Terms at any time, at our sole discretion. Any changes will take effect immediately upon posting the revised Terms on our Apps or Sites. The date at the top of this page will be updated to indicate the most recent changes.

It is your responsibility to review these Terms periodically for any updates or changes. Your continued use of the Services after any modifications indicates your acceptance of the revised Terms.

Eligibility, Representations and Warranties

By accessing or using our Services, you represent and warrant that:

• you are at least the age of majority where you reside and have the legal capacity to enter into these Terms;
• your purchase or use of any products, goods, or services linked or available through our Services does not violate any existing agreements, legal obligations, or laws, nor does it infringe on the intellectual property rights of any third party;
• any information you provide to us, including personal data, is accurate, complete, and lawful. You confirm that, where applicable, you have obtained the necessary consents or authorizations to provide such information;
• you accept full responsibility for any financial obligations arising from your use of the Services, including but not limited to charges, fees, and taxes. This includes any use of your account by others, including minors; and
• you agree to supervise any minors who access or use the Services under your name or Account (as defined below).

Account Registration and Security

You may be required to register for a GeniusID or other account to access certain features of our Services ("Account"). The safety and security of your information also depends on you. You are responsible for securing your account credentials. You also agree to ensure that you logout from your Account at the end of each session. You are responsible for any password misuse or any unauthorized access. WeyMedia is not liable for any unauthorized access or activity conducted through your Account. An Account is solely for one person, and one person may only operate one Account, regardless of what features of our Services you use.

You agree to notify WeyMedia immediately if you suspect any unauthorized use of your Account or any other breach of security. WeyMedia is not liable for any loss or damage arising from your failure to safeguard your Account.

WeyMedia reserves the right to suspend or terminate your Account at any time, in its sole discretion, including for any suspected breach of these Terms, or if your Account is inactive for an extended period.

Acceptable Use

You agree to only use our Services in accordance with these Terms and all applicable laws and regulations.

In using the Services, you agree to the following restrictions:

• you will not disrupt or interfere with the security of, or otherwise cause harm to, the Apps, Sites, or any services, system resources, accounts, passwords, servers, or networks connected to or accessible through the Apps, Reward Programs, or Sites, including any affiliated or linked websites;
• you will not upload, post, or otherwise transmit any viruses, harmful, disruptive, or destructive files through the Apps, Reward Programs, or Sites;
• you will not create a false identity or misrepresent your identity in any way;
• you will not violate any applicable laws, regulations, or legal obligations;
• you will not use any automated device or manual process to monitor, copy, or extract content from the Services without WeyMedia’s prior written consent;
• you will not attempt to bypass or circumvent any security measures employed by the Services;
• you will not engage in activities that disrupt, disable, overburden, or interfere with the normal functioning of the Services;
• you will not reverse-engineer, decompile, disassemble, or otherwise attempt to extract the source code from the Services, or related software;
• you will not remove, alter, or obscure any copyright, trademark, or other proprietary notices contained in or accompanying the content available through the Services;
• you will not use the Services for commercial purposes without WeyMedia's express written consent, including selling, reselling, or redistributing any content or services; and
• you will not engage in conduct that restricts or inhibits other users' enjoyment or access to the Services, or that may harm WeyMedia or its users.

Device Use, Compatibility, and Security

WeyMedia makes its Services available for use on compatible smartphones, tablets, and other smart devices. While we strive to ensure that our Services are accessible on a wide variety of devices and operating systems, we do not guarantee that all features or functionality will be available or perform consistently across all devices or platforms.

It is your responsibility to ensure that your device meets the necessary technical requirements for using the applicable Service. WeyMedia does not guarantee that the Services will be compatible with all devices, operating systems, or network conditions. Some features may not be available on all devices or may not function properly depending on your device's specifications or configurations.

You are responsible for taking appropriate measures to secure your device and maintain the confidentiality of any passwords or other security credentials associated with your account. This includes but is not limited to using password protection, enabling biometric authentication, and keeping your device’s software up to date with the latest security patches.

When using the Apps or Websites, you may receive notifications regarding account activity, updates, and promotional offers. These push notifications are meant to improve your experience and provide timely information. You may manage your notification preferences through your device’s settings or within the applicable App itself. However, disabling certain notifications may impact your ability to receive important updates.

WeyMedia is not responsible for any data charges or mobile service fees incurred while using our Services. You are responsible for any and all data costs charged by your mobile service provider as a result of accessing or using the Services on your device.

We may release updates or patches from time to time to improve functionality, security, or performance. You agree to promptly install these updates to ensure the continued optimal performance of the Services. Failure to do so may limit your access to certain features or result in diminished security protections.

WeyMedia makes reasonable efforts to ensure that its Services are free from viruses, malware, and other harmful components. However, we cannot guarantee that the Services will be free from such threats. You are responsible for maintaining security software on your device to protect against potential risks.

Our Rewards Programs and Incentives

All rewards, including GeniusCoins, Levels and GeniusCash, are non-transferable, non-assignable, and may only be used within the App and redeemed as permitted by WeyMedia.

GeniusCash Rewards Program

Our GeniusCash Rewards Program offers cashback ("GeniusCash") when you apply for and get approved for select offers through our GeniusCash Rewards App, or the moneyGenius.ca or creditcardGenius.ca user dashboard.

To be eligible for GeniusCash, you must log in to your account and initiate your application on our offers page by clicking the appropriate offer link or button. You will then be redirected to the website of the product you've selected where you'll need to finalize the application.

We must receive confirmation from our product offer provider that you were approved for the product and met all other GeniusCash eligibility requirements. Eligible users will be sent GeniusCash via PayPal or Interac e-Transfer during our next fulfillment cycle.

If you haven’t received GeniusCash offer approval once it's been two (2) weeks since your application date, you can open a GeniusCash ticket in your dashboard. You must open any GeniusCash ticket within twelve (12) weeks of your application for any GeniusCash offer. Once you've provided all the required information for the ticket, we can send it to our affiliate partner to request a manual investigation. GeniusCash is only available to Canadian residents and is payable in Canadian dollars only. Payments for GeniusCash can only be made to users through an active PayPal or Interac e-Transfer account, and are subject to the rules, terms and policies associated with your PayPal or Interac e-Transfer account. Your PayPal or Interac e-Transfer account must be able to accept transfers of Canadian dollars. GeniusCash is non-transferable. GeniusCash tickets will expire twenty six (26) weeks after the applicable offer expires; this means the associated GeniusCash ticket will be closed and not be capable of being collected.

WeyMedia reserves the right to modify the amount of GeniusCash offered on any deal, at any time and without prior notice, for any reason including but not limited to changes in business budgets, operational needs, or market conditions. This may include adjustments to the cashback amount after an offer has been claimed but before payment has been made. WeyMedia is not liable for any losses, perceived or actual, resulting from such modifications.

GeniusCash is paid at the discretion of WeyMedia. We aim to distribute earned cashback to eligible users on or around the last day of each month. In some circumstances, at the sole discretion of WeyMedia, we may suspend or block transactions relating to GeniusCash. WeyMedia reserves the right to override, revoke and discontinue GeniusCash and/or GeniusCoins payments, and may recoup past payments from you if it is believed, in WeyMedia’s sole discretion, that such GeniusCash and/or GeniusCoins were obtained through suspicious or fraudulent means. WeyMedia further reserves the right to cancel any PayPal payments or Interac e-Transfers that are not accepted, collected, or otherwise redeemed within four (4) weeks of the date payment is transferred to your PayPal or Interac e-Transfer account.

You are solely responsible for ensuring the accuracy of your PayPal or Interac e-Transfer account information. WeyMedia, its officers, directors, employees, agents, licensors, or its suppliers are not responsible for inaccuracies of information provided by you or your inability to access your PayPal or Interac e-Transfer account.

We take no responsibility and will not be liable for any errors or interruptions in any of our Apps, Rewards Programs, Sites or Services that result, directly or indirectly, in the failure of GeniusCash to be issued.

Max Spending Tool

Our "Max Spending" tool, available through our GeniusCash App, allows users to manually track spending across multiple credit cards and spending categories. By using the Max Spending tool, users can earn extra cash back rewards based on their spending and receive recommendations for financial products designed to maximize their rewards.

Based on the user's spending, the Max Spending tool will provide personalized recommendations for financial products, such as credit cards or banking services, designed to help users optimize their spending and maximize cashback rewards. Accepting these offers can allow a user to earn cashback.

Users earn cashback on card spending, with the cashback rate ranging from 0.1% to 1%, depending on the user’s level. The cashback earned will be calculated as follows:

• Leveling System: Users start at Level 0, earning 0.0% cashback on all card spending.
• As levels are earned (for example: each product offer claimed and received), users advance a specified number of levels up to Level 10, with each level adding an additional 0.1% cashback.
• Level 10 represents the maximum cashback rate of 1%.

Each level's rewards will remain in effect for a specified number of months, after which they may expire unless renewed through additional qualifying activities. WeyMedia reserves the right to adjust the rules for leveling up or introduce new methods of earning rewards at any time.

Cashback levels and the corresponding percentage rewards are tied to the product offers you claim and receive. Users may also earn cashback by engaging in activities such as referrals or other promotional programs introduced by WeyMedia. These activities may allow users to advance through levels or earn rewards subject to the terms of the specific promotion.

Cashback earned through the Max Spending tool will be credited to your Account within a reasonable time after the qualifying transactions are completed. The maximum cashback that can be earned per month is capped at CDN$10. WeyMedia reserves the right to modify this cap at any time in its sole discretion. Future changes to cashback caps or reward structures will be communicated through updates to these Terms.

WeyMedia reserves the right to modify or discontinue the Max Spending tool or any related cashback Rewards Programs at any time, with or without notice. Changes may include adjustments to cashback levels, monthly caps, or other program features. Continued use of the Max Spending tool following any such modifications constitutes your acceptance of the changes.

GeniusCoins

GeniusCoins (the "Coins") are awarded when completing Quests. Quests may include surveys, games, quizzes, or may require users to take special actions in order to complete them. GeniusCoins are a type of virtual reward which may be used for benefits in the App, such as achieving higher cashback levels. WeyMedia reserves the right to modify the value, conversion rate, or usage of GeniusCoins at any time and without prior notice. This may include adjustments to the number of GeniusCoins required to unlock cashback levels or other rewards, changes to the rewards structure, a particular Quest or the discontinuation of GeniusCoins or a Quest altogether. Users acknowledge that GeniusCoins are a virtual reward with no real monetary value and that WeyMedia is not liable for any perceived loss of value resulting from such changes. We take no responsibility and will not be liable for any errors or interruptions in any of our Apps, Rewards Programs, Sites or Services that result, directly or indirectly, in the failure of GeniusCoins to be issued.

User-Generated Content

You are solely responsible for any content that you upload, post, or transmit through the Services, or anything sent to us via email, shared on our social media pages or that tag or mention us on social media (the "User Content"). By submitting User Content, you warrant that you own the rights to the content or have the necessary permissions to submit such content. You also warrant that the User Content complies with all applicable laws and does not violate the rights of any third party.

By submitting User Content, you grant WeyMedia a non-exclusive, perpetual, irrevocable, royalty-free, worldwide license to use, reproduce, modify, adapt, publish, translate, distribute, and display such content, in whole or in part, to improve our Services, and for marketing and promotional purposes, subject to applicable laws and our Privacy Policy.

WeyMedia reserves the right to (i) remove or refuse to post any User Content at its sole discretion, (ii) take any and all action we deem necessary if we believe User Content violates these Terms or poses a risk to us, and (ii) terminate or suspend your access to all or part of the Services for any reason or at our sole discretion.

Intellectual Property

Ownership

All content associated with and available through our Services, including but not limited to text, graphics, logos, images, videos, software, and other materials (collectively, "WeyMedia IP"), is the property of WeyMedia, its licensors, or third-party providers. This WeyMedia IP is protected by copyright, trademark, and other intellectual property laws.

License to Use

WeyMedia grants you a limited, non-exclusive, non-transferable, revocable license to access and use the Services for personal, non-commercial purposes in accordance with these Terms. This license does not convey any ownership rights in the WeyMedia IP or the Services, and you may not copy, modify, reproduce, distribute, transmit, create derivative works, publicly display or otherwise use the WeyMedia IP without our prior written consent.

You are permitted to make one (1) copy of output from our Apps or Sites solely for personal and non-commercial use, provided that all copyright, trademark, and other proprietary notices are retained and remain intact on such copy.

WeyMedia reserves all rights not expressly granted in these Terms.

Disclaimers

General Information and Educational Purposes Only

The content and information provided through our Services and other means of communications (such as social media postings and newsletters) (collectively, the "Materials") are provided for general informational and educational purposes only. The Materials reflects our views or the views of our contributors and is meant to serve as a starting point for you to make well-rounded and informed decisions regarding your personal finances.

Our Services are not intended to provide investment, tax, legal, or accounting advice, and nothing within the Services should be interpreted as such. You are strongly encouraged to consult with qualified professionals, including financial planners, tax consultants, accountants, or legal advisors, before taking any actions based on the information provided through the Services. Your circumstances and goals may require advice that is beyond the scope of the general information available on our platform.

You acknowledge that WeyMedia is not a financial advisor or licensed financial professional, and nothing within our Services constitutes financial advice, financial services, or a recommendation to buy or sell any financial product.

Information Accuracy

WeyMedia strives to provide accurate, up-to-date, and reliable Materials and tools. Despite our best efforts, the information provided may not always be accurate, complete, or free from errors, inaccuracies, or omissions.

The information provided via the Services is subject to change at any time without notice, and WeyMedia does not guarantee that the information will be up-to-date at all times. While we aim to correct errors or inaccuracies promptly, we are under no obligation to update or correct any outdated or inaccurate information. It is your responsibility to independently verify the accuracy of any data, rates, terms, or recommendations before acting on the information provided.

Third-Party Content and Links

Our Services may contain links to third-party websites, applications, or content that are not owned or controlled by WeyMedia. We do not endorse or assume responsibility for the accuracy, completeness, or reliability of any third-party websites or the information thereon. Your interactions with third-party websites or service providers are solely between you and the third party, and you should review their terms and conditions before engaging with their content or services.

WeyMedia disclaims any liability arising from your use of or reliance on third-party content, services, or transactions conducted with third-party providers.

No Warranty of Performance

WeyMedia provides the Services on an "as is" and “as available” basis without warranties of any kind, whether express or implied. This includes, but is not limited to, warranties of merchantability, fitness for a particular purpose, title, and non-infringement. We make no guarantee that the Services will be uninterrupted, secure, error-free, or free from viruses, malware, or other harmful components.

We make no warranties or representations regarding the availability, reliability, or accuracy of the information, services, or tools provided through the Services. You are solely responsible for evaluating the suitability of any Materials or information offered through the Services.

Virus and Malware

WeyMedia makes reasonable efforts to ensure that its Apps and Sites are free from viruses, malware, and other harmful components. However, we cannot guarantee that they will be entirely free from such risks at all times. You are responsible for maintaining up-to-date anti-virus and security software on your devices and networks to safeguard against potential threats.

Unfortunately, the transmission of information via the Internet is not completely secure. Although we do our best to protect your personal information, we cannot guarantee the security of your personal information transmitted via the Internet. Any transmission of personal information is at your own risk. We are not responsible for circumvention of any privacy settings or security measures associated with our Apps or Sites.

WeyMedia disclaims all liability for any damages caused to your devices, software, or data as a result of your use of the Services or the downloading of any content from our Apps or Sites. You assume full responsibility for any service, repair, or corrections necessary to address issues that may arise from using our Services.

Limitation of Liability

YOUR USE OF THE SERVICES IS AT YOUR OWN RISK. TO THE MAXIMUM EXTENT PERMITTED BY LAW, WEYMEDIA, ITS SERVICE PROVIDERS, LICENSORS, SUPPLIERS, AND THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO PERSONAL INJURY, PAIN AND SUFFERING, EMOTIONAL DISTRESS, LOSS OF PROFITS, LOSS OF DATA, BUSINESS INTERRUPTION, OR ANY OTHER DAMAGES OR LOSSES INCURRED AS A RESULT OF YOUR USE OF OR INABILITY TO USE THE SERVICES, OR ANY RELIANCE ON THE INFORMATION PROVIDED BY THE SERVICES, WHETHER SUCH DAMAGES ARISE FROM CONTRACT, TORT (INCLUDING NEGLIGENCE), PRIVACY (INCLUDING A BREACH OF SECURITY), STRICT LIABILITY, OR ANY OTHER LEGAL THEORY, EVEN IF WEYMEDIA HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

IN JURISDICTIONS WHERE THE EXCLUSION OF CERTAIN TYPES OF DAMAGES IS NOT PERMITTED, WEYMEDIA’S LIABILITY SHALL BE LIMITED TO THE MAXIMUM EXTENT PERMITTED BY LAW. WHERE APPLICABLE LAW ALLOWS SUCH LIMITATIONS, WEYMEDIA’S TOTAL LIABILITY TO YOU FOR ANY CLAIMS, LOSSES, OR DAMAGES ARISING FROM OR RELATED TO YOUR USE OF THE APPS, REWARDS PROGRAMS, SITES AND SERVICES SHALL NOT EXCEED CDN$100.00.

Exclusive Remedy

You acknowledge and agree that your sole and exclusive remedy for dissatisfaction with the Services (or any one of them) is to discontinue using them.

Indemnification

To the fullest extent permitted by applicable law, you agree to indemnify, defend, and hold harmless WeyMedia, its officers, directors, employees, agents, licensors, and suppliers from and against any and all claims, liabilities, damages, losses, costs, or expenses, including reasonable attorneys' fees and costs, arising out of or in any way connected with (i) the WeyMedia Materials; (ii) any information you supply to us either on your own behalf or on behalf of a third party; (iii) your (or anyone acting under your Account) use of the Services; (iv) your (or anyone acting under your Account) breach of these Terms; and (v) any security breach caused by your failure to maintain the security of your Account credentials or your device, including such a breach that does or reasonably could compromise the security, integrity or confidentiality of personal information or result in its unauthorized use, disclosure or loss.

Consent to Communication

By using our Services, you consent to receive electronic communications from WeyMedia, including but not limited to emails, push notifications, and in-App messages. These communications may relate to account activity, updates, promotional offers, recommendations, and other information relevant to your use of our Apps, Reward Programs, Sites and Services.

You may adjust your communication preferences, including opting out of promotional communications, through the App settings or by following the unsubscribe instructions provided in any email communication. However, WeyMedia reserves the right to send you important account-related information, such as security alerts, administrative messages, and updates to these Terms, even if you opt-out of promotional messages.

Your consent to receive communications applies to the contact information you provide during registration or any updated contact information you provide. By providing your phone number or email address, you consent to receive communications through these channels.

Standard data charges may apply for receiving communications on mobile devices, depending on your mobile service provider. You are responsible for any such charges.

Termination

WeyMedia reserves the right, in its sole discretion, to suspend or terminate your use of and access to the Services (including your Account) at any time, with or without cause, and without prior notice to you.

If WeyMedia determines, in its sole discretion, that any activity you conduct through the Services is suspicious or involves prohibited activity, we may block any outstanding transactions, including transactions relating to earned GeniusCash. GeniusCoins or cashback, deny new transactions, and/or freeze any funds that may be available to you through our Apps, Reward Programs, Sites, and Services.

WeyMedia reserves the right to terminate dormant accounts after a period of inactivity and to revert any balances back to WeyMedia. WeyMedia will give notice via email to account holders prior to taking action on dormant accounts.

Fraudulent Activity

WeyMedia maintains a zero-tolerance policy toward fraudulent activity. You agree not to knowingly or willfully use the Services in or for any illegal, fraudulent, unauthorized or improper manner or purpose and will only be used in compliance with all applicable laws. If we suspect or confirm that a user is engaging in fraudulent behavior, including but not limited to using false identities, submitting false information, engaging in multiple account creation for bonuses, or manipulating cashback or GeniusCoin rewards, we reserve the right to immediately terminate the user’s account. In such cases, any pending or future rewards, cashback, or payments may be revoked or recouped, and WeyMedia may take legal action. In cases where WeyMedia determines that GeniusCash or GeniusCoins have been obtained fraudulently, WeyMedia may issue a formal notification to the user and reclaim the value of the rewards by either debiting future rewards or seeking direct reimbursement. Failure to comply with this recoupment process may result in further legal action.

We may, as reasonably necessary or helpful, collect, use or disclose personal information to ensure the integrity of our systems, to investigate abuse of our service, to detect, suppress or investigate fraud or any violation of our terms of use, and to assist others with such activities. We may disclose personal information to law enforcement where we determine it is reasonably necessary to report or investigate an offence.

Privacy

We are committed to protecting your privacy. By using or accessing our Services, you acknowledge and agree that you have read our Privacy Policy, the terms of which are incorporated into these Terms.

Jurisdiction and Governing Law

The Services are targeted to users in Canada. The products, services, reward programs, applications and information described on the Services may not be available in all jurisdictions or to all users.

These Terms are governed by the laws of the Province of New Brunswick and the laws of Canada as applicable herein, without regard to any principles of conflicts of law. You agree that any dispute with WeyMedia, whether arising from or related to these Terms, the GeniusCash Rewards Program, GeniusCoins or otherwise shall be resolved through final and binding arbitration in accordance with the Arbitration Act (New Brunswick), to be conducted in the Province of New Brunswick, unless prohibited by law. Both parties waive the right to a trial by jury. If any applicable law prohibits arbitration of a particular dispute, the dispute will be resolved exclusively in the courts of the Province of New Brunswick.

Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will continue to be in full force and effect.

Waiver

No waiver of any term or condition set forth in these Terms shall be deemed a further or continuing waiver of such term or condition or a waiver of any other term or condition. Any failure to assert a right or provision under these Terms shall not constitute a waiver of such right or provision.

Contact Information

If you have any questions or concerns about these Terms, please contact us at [email protected].