Terms & Conditions Introduction The website located at www.ovalcash.com is owned and operated by 11913751 Canada Inc. ("Company"). This document ("Terms") governs all services provided by 11913751 Canada Inc. ("We", "Us", or "Our") through ovalcash.com, and all content, services, and products available at or through ovalcash.com. By using the ovalcash.com or the Services, you acknowledge that you have read and understand these Terms and Conditions and will be bound by this Agreement. If you do not agree to be bound by this Agreement, do not use or access ovalcash.com and/or our Service. If you sign up for an ovalcash.com account through one of our Marketing Partners (as defined below), your use of our Service may be subject to additional terms of that agreement, which may be different from these Terms and Conditions. Definitions Agreement "Agreement" means all of the terms, conditions, and notices contained or referenced in the Terms and Conditions and all other ovalcash.com rules and policies (including but not limited to our Privacy Policy) and procedures that may be published on ovalcash.com. Marketing Partners “Marketing Partners” means third parties with whom the Company has entered into special marketing arrangements, including marketing programs with other loyalty program operators that you may be a member of. Member “Member” means any person, company, or organization that is using our service, and for whom an account number has been established or is in the process of being established in our databases. Merchant “Merchant” means all merchants who provide goods and services and who are participating in the Service and provide offers to Members through ovalcash.com. Offer Related Purchase “Offer Related Purchase” means a purchase transaction made within the applicable time period for the transaction as stipulated in the Merchant offer that a Member makes either (i) through ovalcash.com or (ii) by using a payment card registered on his/her ovalcash.com account. Service “Service” means all of the services provided by ovalcash.com, including but not limited to all content, services, and products available through ovalcash.com. User, You and Your “User”, “You” and “Your” refer to the person, company, organization, or Member that has visited or is using ovalcash.com or our Service. Privacy Please review our Privacy Policy at https://www.ovalcash.com/privacy-policy. You understand and agree that by using the Service, we will collect personal information about you. You consent to our collection, use, and disclosure of your personal information in accordance with our Privacy Policy. Membership Any individual adult consumer may register with ovalcash.com. You must be at least the age of majority or legal age of your jurisdiction of residence in order to use ovalcash.com and our Service. If you are under the age of majority or legal age in your jurisdiction of residence, you must get consent from your guardian or parent to use ovalcash.com and our Service. The Company disclaims any and all responsibility or obligation to monitor or verify the age or legal status of any users of ovalcash.com and our Service.You are responsible for keeping your registered account credentials confidential. We are entitled to act on all instructions received by anyone using your account and are not responsible for any transaction made without your authorization. You agree to provide true, accurate, current and complete information about yourself and your accounts maintained at other web sites, including accounts with our Marketing Partners, and you agree to not misrepresent your identity or your account information. You agree to keep your account information up to date and accurate. Membership Cancellation We reserve the right to cancel a Member’s membership at our discretion for any misuse of ovalcash.com and the Service, including but not limited to a violation of this Agreement, gaming or fraudulently obtaining of sign up bonuses, referral bonuses, cash awards for returned Offer Related Purchases, or any other activity deemed as misuse by us. If a Member’s account has not had any ovalcash.com related purchases for more than three (3) months or is otherwise inactive, we reserve the right, but not the obligation, to deactivate the Member’s account, at our sole discretion. You will be notified that your account has become dormant by way of email to the address provided within your ovalcash.com account prior to deactivation. You will have thirty (30) days to reactivate your account from the date of the initial email indicating that your account has become dormant. If your account is not reactivated, then your account may be cancelled, and if so, any rewards balance within your account will be cancelled, null and void. Joint Accounts If you provide access to a payment account where there is more than one cardholder, you, as a Member, represent and warrant that you have the right to grant us consent on behalf of all cardholders on the account who are non-Members, and hereby grant us consent to access the transaction data on behalf of the non-Member cardholders on the account - for example, where a Member signs up with a payment card that is a supplementary payment card under a primary cardholder who is not a Member. On joint payment accounts where more than one cardholder is a Member, only those Members on the account making Offer Related Purchases will receive the related cash awards. Proprietary Rights Except for public domain material, all content and material on and/or forming part of ovalcash.com and the Service we offer from time-to-time, including all text, information, links, graphics, audio, video, animation, logos, trademarks, service marks and trade names, and the design and arrangement thereof, and all source code and software (collectively referred to as the “Content”), are protected by copyright, trademark and other laws, and are owned or controlled by the Company or its licensors. All rights not expressly granted to you in this Agreement are reserved. You agree that any copy of the Content, or any part thereof, which you are permitted to use as delivered to you through the Service shall be solely for your private, non-commercial use on the Service. You may not, directly or indirectly, adapt, republish, display, upload, post, transmit, broadcast, communicate to the public (including by telecommunication), sub-license, sell, reverse engineer, decompile or disassemble, merge with other data, frame in or post on another website, create derivative works from, translate, modify, reproduce, perform, distribute, transfer or otherwise use the Content, or individual sections of the Content (including but not limited to, any Java applets associated with the Service), or authorize anyone to do any of the foregoing acts, without our express prior written permission. Third Party Accounts If you have registered for the Service through your financial institution's online or mobile banking platform or web-based portal ("FI-registered Account"), the following paragraph does not apply to you. If you register multiple payment accounts to your ovalcash.com account, the following paragraph applies with respect to payment accounts that are not FI-registered Accounts. By using the Service, you authorize the Company to access third party sites and sources designated by you, on your behalf, to retrieve information requested by you, and to register for accounts requested by you. For all purposes hereof, you hereby appoint the Company as your true and lawful agent, with full power of substitution and re-substitution, for you and in your name, place and stead, in any and all capacities, to access third party internet sites, servers or documents, retrieve information, and use your information, all as described above, with the full power and authority to do and perform each and every act and thing requisite and necessary to be done in connection with such activities, as fully to all intents and purposes as you might or could do in person. YOU ACKNOWLEDGE AND AGREE THAT WHEN THE COMPANY ACCESSES AND RETRIEVES INFORMATION FROM THIRD PARTY SITES, THE COMPANY AND ITS AFFILIATES ARE ACTING AS YOUR AGENT, AND NOT AN AGENT ACTING ON BEHALF OF THE THIRD PARTY. You agree that third party account providers shall be entitled to rely on the foregoing authorization and agency granted by you. You understand and agree that ovalcash.com and the Service is not endorsed or sponsored by any third party account providers accessible through ovalcash.com and the Service. DISCLAIMERS YOU EXPRESSLY UNDERSTAND AND AGREE THAT: YOUR USE OF ovalcash.com, THE SERVICE AND ALL INFORMATION, PRODUCTS AND OTHER CONTENT (INCLUDING THAT OF THIRD PARTIES) INCLUDED IN OR ACCESSIBLE FROM ovalcash.com AND THROUGH THE SERVICE IS AT YOUR SOLE RISK. ovalcash.com AND THE SERVICE ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. THE COMPANY EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND AS TO ovalcash.com AND THE SERVICE AND ALL INFORMATION, PRODUCTS AND OTHER CONTENT (INCLUDING THAT OF THIRD PARTIES) INCLUDED IN OR ACCESSIBLE FROM ovalcash.com AND THE SERVICE, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, MERCHANTABLE QUALITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT. THE COMPANY MAKES NO WARRANTY THAT (i) ovalcash.com OR THE SERVICE WILL MEET YOUR REQUIREMENTS, (ii) ovalcash.com OR THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, (iii) THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF ovalcash.com OR THE SERVICE WILL BE ACCURATE OR RELIABLE, (iv) THE QUALITY OF ANY PRODUCTS, SERVICES, INFORMATION, OR OTHER MATERIAL PURCHASED OR OBTAINED BY YOU THROUGH ovalcash.com OR THE SERVICE WILL MEET YOUR EXPECTATIONS, OR (V) ANY ERRORS IN THE TECHNOLOGY WILL BE CORRECTED. ANY MATERIAL DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF ovalcash.com OR THE SERVICE IS DONE AT YOUR OWN DISCRETION AND RISK AND YOU ARE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE USE OF PAYMENT.COM OR THE SERVICE OR THE DOWNLOAD OF ANY MATERIAL THROUGH THEM. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM ovalcash.com THROUGH OR FROM THE SERVICE WILL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THESE TERMS. LIMITATION OF LIABILITY YOU AGREE THAT NEITHER THE COMPANY, NOR ANY OF ITS AFFILIATES, SERVICE PROVIDERS OR ANY OF THEIR AFFILIATES WILL BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER INTANGIBLE LOSSES, EVEN IF ovalcash.com HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, RESULTING FROM: (i) THE USE OR THE INABILITY TO USE ovalcash.com OR THE SERVICE; (ii) THE COST OF GETTING SUBSTITUTE GOODS AND SERVICES, (iii) ANY PRODUCTS, DATA, INFORMATION OR SERVICES PURCHASED OR OBTAINED OR MESSAGES RECEIVED OR TRANSACTIONS ENTERED INTO, THROUGH OR FROM ovalcash.com OR THE SERVICE; (iv) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA; (v) STATEMENTS OR CONDUCT OF ANYONE USING ovalcash.com OR THE SERVICE; (vi) THE USE, INABILITY TO USE, UNAUTHORIZED USE, PERFORMANCE OR NON-PERFORMANCE OF ANY THIRD PARTY ACCOUNT PROVIDER SITE, EVEN IF THE COMPANY OR THE PROVIDER HAS BEEN ADVISED PREVIOUSLY OF THE POSSIBILITY OF SUCH DAMAGES; OR (vii) ANY OTHER MATTER RELATING TO ovalcash.com OR THE SERVICE. Some jurisdictions do not allow the exclusion of certain warranties or the limitation or exclusion of liability for certain warranties and/or liabilities. Accordingly, some of the above limitations or exclusions may not apply to you. Indemnification You agree to protect and fully compensate the Company and our affiliates from any and all third party claims, liability, damages, expenses and costs (including, but not limited to, reasonable attorney’s fees) caused by or arising from your use of ovalcash.com or the Service, your violation of these terms or your infringement, or infringement by any other user of your account, of any intellectual property or other right of anyone. Award Eligibility Members will only be entitled to a cash award if you make an Offer Related Purchase with the payment card(s) linked to your ovalcash.com account or by clicking through the link to a Merchant website as directed in the Member offer web page. In other words, making a purchase with a payment card not tied to your Ovalcash account, or by making an online purchase and not clicking on the icon in the offer page and being redirected to the Merchant website, will result in no cash award directed to your Ovalcash account. Your right to dispute an award or a missing award or an award that has been incorrectly attributed will lapse 30 days after the transaction date. If you do not file your dispute through ovalcash.com within that 30 day period, your right to correct or adjust the missing or incorrect award will be null and void and the Company shall have no obligation of redress. Offer Term You will only be entitled to a cash award if you make an Offer Related Purchase within the offer period as specified on the Member offer web page. Offers expire at 11:59 p.m. on the offer end date specified on the Member offer web page. Redemption Member award redemption is facilitated through ovalcash.com. By accepting this Agreement, you agree to have your awards redeemed in the manner or methods available through ovalcash.com. We reserve the right to set a minimum redemption threshold whereby a Member cannot cash an award without being charged a transaction fee set by us. You hereby agree to being charged a transaction fee if you do not meet the minimum redemption threshold and choose to claim an award. The minimum redemption threshold and transaction fee are set by the Company and may change from time to time at our discretion. If a transaction fee applies to a Member award redemption, we will disclose the amount of the fee to you before proceeding with that redemption. Currently, ovalcash.com facilitates Member award redemption through Interac e-Transfer. The Terms of Use of Interac e-Transfer are available at: https://www.interac.ca/en/interac-e-transfer-terms-of-use.html. Use of Funds You agree and acknowledge that Member funds will not be held by us as trustee and that we may hold such monies in any account as we see fit, including with our own and/or other Members’ monies. We are not a fiduciary for any Member and have no fiduciary obligations. Member funds may be used to support operations of the Company. Returns If a Member returns an Offer Related Purchase within thirty (30) days of purchase, the ovalcash.com incentive awarded will be deducted from the Member’s awards account. If a Member returns a portion of the Offer Related Purchase, the ovalcash.com incentive awarded will be reduced proportionately in relation to the return amount of the Offer Related Purchase and the ovalcash.com incentive. Data Ownership You represent and warrant that you exclusively own any content, information, data, passwords, materials or other similar content (collectively, "Client Content") that you post or provide through the Service or directly to ovalcash.com. You grant us a perpetual, non-exclusive, transferable, sub-licensable, irrevocable, royalty-free, worldwide license to use, modify, display, distribute and create new material using such Client Content to provide the Service to you. In using the Service, we receive and/or collect financial information from you, including information about credit card and debit card transactions you have completed. You represent and warrant that you exclusively own any content, information, data, passwords, materials or other similar content (collectively, "Client Content") that you post or provide through the Service or directly to ovalcash.com. You grant us a perpetual, non-exclusive, transferable, sub-licensable, irrevocable, royalty-free, worldwide license to use, modify, display, distribute and create new material using such Client Content to provide the Service to you. By submitting Client Content, you automatically agree, or promise that the owner of such Client Content has expressly agreed that, without any particular time limit, and without the payment of any fees, the Company may use the Client Content for the purposes set out above. The Company may use, sell, license, reproduce, distribute and disclose aggregated, non-personally identifiable information that is derived through your use of the Service. For greater certainty, we do not disclose personally identifiable transaction information to Merchants or other third parties. As between you and the Company, you own your confidential account information. Compliance with Laws You represent and warrant that: (i) you have the authority to bind yourself to the Agreement; (ii) your use of ovalcash.com and/or the Service will be solely for purposes that are permitted by this Agreement; (iii) your use of ovalcash.com and/or the Service will not infringe or misappropriate the intellectual property rights of any third party; and (iv) your use of ovalcash.com and/or the Service will comply with local, provincial, and federal laws, rules, and regulations, and with all other ovalcash.com policies. User Conduct You may not use ovalcash.com in any manner that could damage, disable, overburden, or impair our servers or network, or interfere with any other person’s use and enjoyment of ovalcash.com or the Service. You may not attempt to gain unauthorized access to the Service or computer systems or networks through hacking, password mining, or any other means. In addition to our rights pursuant to this Agreement, we may take any legal action and implement any technical remedies to prevent the violation of this provision and to enforce this Agreement. Prohibited Content You agree that you will not under any circumstances use ovalcash.com or the Service to transmit any content that is unlawful or promotes unlawful activities; defames, harasses, abuses, threatens, or incites violence toward any individual or group; is pornographic, discriminatory, or otherwise victimizes or intimidates any individual group on the basis of religion, gender, sexual orientation, race, ethnicity, age, or disability; is spam, is machine- or randomly-generated, constitutes unauthorized or unsolicited advertising, chain letters, any other form of unauthorized solicitation, or any form of lottery or gambling; contains or installs any viruses, worms, malware, Trojan horses, or other content that is designed or intended to disrupt, damage, or limit the function of any software, hardware, or telecommunications equipment or to damage or obtain unauthorized access to any data or other information of any third party; infringes on any proprietary right of any party, including patent, trademark, trade secret, copyright, right of publicity, or other rights; impersonates any person or entity, including any of our employees or representatives; or violates the privacy of any third party. Third Party Content There may be content from third parties on ovalcash.com or the Service. We are not responsible for that content, nor do we endorse such content, unless otherwise clearly stated. This Agreement does not authorize you to distribute, publicly display, publicly perform, make available, alter, or otherwise use any third party content except as permitted by this Agreement. Intellectual Property We respect others’ intellectual property rights and ask you to do the same. We may terminate your access to ovalcash.com or the Service if we determine that you infringe on others’ copyrights or other intellectual property (including our rights). We retain ownership of all intellectual property rights of any kind related to ovalcash.com and the Service, including applicable copyrights, patents, trademarks, and other proprietary rights. Other trademarks, service marks, graphics, and logos used in connection with ovalcash.com and the Service may be the trademarks of third parties. The Agreement does not transfer from us to you any ovalcash.com or third-party intellectual property, and all right, title, and interest in and to such property will remain solely with us or with such third party, respectively. We reserve all rights that are not expressly granted to you under this Agreement. "OVALCASH" and all other identifying marks, proprietary marks, or trademarks that appear, are displayed, or are used on ovalcash.com or as part of the Service are registered or common law trademarks or service marks of the Company. These marks may not be copied, downloaded, reproduced, used, modified, or distributed in any way without prior written permission from the Company. Email Communications Ovalcash will be solely responsible for all regulatory and other obligations under Applicable Law associated with Ovalcash’s solicitation or client relationship, including Canada’s Anti-Spam Legislation (CASL), do not solicit, or do not call obligations. We use email and electronic means to stay in touch with you. You (i) consent to receive communications from us in an electronic form via the email address you have submitted or via the Service or directly through ovalcash.com; and (ii) agree that the agreements, including all terms, agreements, notices, disclosures, and other communications that we provide to you electronically satisfy any legal requirement that such communications would satisfy if they were in writing. Termination You may cancel this Agreement at any time. If you wish to terminate this Agreement, you may simply discontinue use of ovalcash.com or the Service. We may terminate your right to use of ovalcash.com or the Service immediately, without notice to you, if we determine, in our sole discretion, that you fail to comply with any of these terms and conditions of use or engage in any fraudulent, criminal, or other unauthorized activity. Modification of Terms We reserve the right, at our sole discretion, to amend these Terms at any time and will update these Terms in the event of any such amendments. Upon any changes in this Agreement, we will post the amended agreement on ovalcash.com or the Service. Your continued use of ovalcash.com or the Service following such posting shall constitute your affirmative acknowledgement of the revised Agreement, the modification and agreement to abide and be bound by the Agreement, as amended. If at any time you choose not to accept this Agreement, including following any modifications made hereto, then please do not use ovalcash.com or the Service. Governing Law This Agreement and any access to or use of ovalcash.com or the Service are governed by, and construed in accordance with, the laws of the Province of Ontario. You and the Company agree to submit to the exclusive jurisdiction and venue of the courts located in the City of Toronto, Province of Ontario. Severability If any portion or provision of this Agreement shall to any extent be declared illegal or unenforceable by a court of competent jurisdiction, then the remainder of this Agreement, or the application of such portion of provision in circumstances other than those as to which it is so declared illegal or unenforceable, shall not be affected thereby, and each portion and provision of this Agreement shall be valid and enforceable to the fullest extent permitted by law. No Assignment We may assign or delegate this Agreement, including these Terms and Conditions and the Privacy Policy, in whole or in part, to any person or entity at any time with or without your consent. You may not assign or delegate any rights or obligations under this Agreement, including the Terms and Conditions or Privacy Policy, without our prior written consent, and any unauthorized assignment and delegation by you is void. Headings and Summaries The headings, captions, and summaries in this Agreement are for convenience only and in no way define or describe the scope or content of any provision of this Agreement. Entire Agreement This Agreement, in combination with all policies and guidelines of ovalcash.com (including but not limited to the Privacy Policy), incorporated by reference, constitute the entire agreement between you and us and supersede all prior communications, agreements, and understandings, written or oral, with respect to the subject matter of this Agreement. 11913751 Canada Inc Terms Of Use

Privacy Policy IntroductionUpdated: February 29, 2024 This policy sets out how 11913751 Canada Inc. (the “Company”, “We”, “Us”, or “Our”) uses, protects, and preserves information submitted by users (“Users” or “You”) through the website located at www.ovalcash.com and the Ovalcash mobile application (collectively and individually referred to as “ovalcash.com”). By using ovalcash.com and by submitting information to us through ovalcash.com or the Service, you are agreeing to the terms of this policy (“Policy”). If you have any questions about the Policy, please contact us directly before entering any information by sending an email with your questions to support@ovalcash.com.This Policy forms part of our Terms and Conditions by reference. Definitions Collect "Collect" means to gather, acquire, or obtain Personal Information from any source, including third parties. Consent “Consent” means a voluntary agreement with what is being done or proposed. Consent can be “express” through words or by specific acts or “implied” by the conduct of the individual whose Personal Information is being collected, used, or shared. Unless we determine that we require an additional consent for specific products, services, programs, contests, promotions, or events, you agree and consent that as a provider of personal information we may collect, use, share, or otherwise process your Personal Information in accordance with this policy. Marketing Partners “Marketing Partners” means third parties with whom the Company has entered into special marketing arrangements, including marketing programs with other loyalty program operators that you may be a member of. Member “Member” means any person, company, or organization that is using our service, and for whom an account number has been established or is being established in our databases. Merchant “Merchant” means all merchants who provide goods and services that are participating in the Service and provide offers to Members through ovalcash.com. Offer Related Purchase “Offer Related Purchase” means a purchase transaction made within the applicable time period for the transaction as stipulated in the Merchant offer that a Member makes either (i) through ovalcash.com or (ii) using a payment card registered on his/her ovalcash.com account. Personal Information “Personal Information” means information about an identifiable individual, and includes without limitation information such as your name or email address. Service “Service” means all of the services provided via ovalcash.com, including but not limited to all content, services, and products available through ovalcash.com. User, You and Your “User”, “You”and “Your ”refer to the person, company, organization, or Member that has visited or is using ovalcash.com or our Service. Information We Collect and Store If you choose to create an account on ovalcash.com, or otherwise enter into an agreement with the Company (e.g. such as a Merchant agreement), we will retain all information submitted to us, including but not limited to, your age, gender, name, email address, password, the province you live in, home address, mobile location phone number, your transaction data, your rewards balance within your account, redemption activity, demographic data, and the financial institutions you use through our service providers, including related financial data (e.g., payment card type, financial services products, etc.). To learn about your user experience and to make periodic improvements to ovalcash.com, we also collect the information regularly collected by web browsers. We will automatically record information and your activity. This may include your Internet Protocol (“IP”) address, country, city, browser type, the web page visited before you came to our website, information you search for on our website, locale preferences, identification numbers associated with your devices, your mobile carrier, date and time stamps, system configuration information, metadata concerning your files, and other interactions with the Service. We may also use “cookies” to collect information and improve our Service. A cookie is a small data file that we transfer to your device. We may use “persistent cookies” to save your user ID and login password for future logins to the Service. We may use “session ID cookies” to enable certain features of the Service, to better understand how you interact with the Service, and to monitor aggregate usage and web traffic routing on the Service. However, none of this is associated with you as an individual. It is measured only in aggregate. Cookies do not capture your individual email address or any private information about you. You can instruct your browser, by changing its options, to stop accepting cookies or to prompt you before accepting a cookie from the websites you visit. If you do not accept cookies, however, you may not be able to use all aspects of the Service. If you are also a member of a Marketing Partner’s marketing program, we may also collect information from our Marketing Partner such as: your email associated with your ovalcash.com account, a description of the transactions made through our Marketing Partner’s marketing program, aggregated marketing statistics affiliated with your account with our Marketing Partner, which Merchants you have made purchases from, and other information that is relevant to provide you with the Service you request. From time to time, you may be asked to provide additional Personal Information for the purpose described in this Policy or as described to you at the point of collection (e.g., if you decide to enter a promotional contest, we may ask you to submit additional information in order to participate – for more information, see also “Surveys” below.). Using the information gathered about you over time by us or our service providers as described above, ovalcash.com may engage in interest-based advertising, or “online behavioural advertising”, which includes ads presented to you after you leave ovalcash.com that encourage you to return. These ads may also include offers we think are relevant to you based on your shopping habits or online activities, and they may be served on websites or applications. We may serve these ads, or third party advertisers and ad networks may serve you these ads. Many of these third parties have opt-out mechanisms for their ad cookies. For more information about your choices, please see and visit: http://www.aboutads.info/choices/ and http://youradchoices.ca/choices/. How We Use Your Information In addition to using your information for purposes of facilitating your use of the Service and to assist us in improving the Service, we use your information for the following purposes: • validating your identity to use the Service; • creating and maintaining a unique user account for you to use the Service; • communicating with you; • providing you with information on offers that may be of interest to you on behalf of Merchants; • establishing whether Offer Related Purchases were made; • to assign Member incentives as a result of an Offer Related Purchase; • measure the results of Merchant offers and marketing campaigns not conducted by us across external communication channels; • create new ovalcash.com services; • processing transactions that you have submitted, such as claiming your cash rewards through Interac e-transfer; • displaying your account history to you; • preventing and prosecuting fraud, any unlawful activity, or any misuse of the Service; and • meeting legal, regulatory, insurance, and security requirements. Disclosure of Your Information There are certain situations where we may disclose your Personal Information, such as: • when appropriate to prevent, limit, or otherwise prosecute fraud, any unlawful activity, or any misuse of the Service to our Merchants, Marketing Partners or other third parties; • when we are required or authorized by law to do so (e.g., if a court issues a subpoena); • when you have consented to the disclosure; • when the Services we are providing to you require us to give your information to a third-party service provider (for more information please see “Location of Information and Service Providers” below); • when you have subscribed to a marketing program with our Marketing Partner, to keep you updated on your ovalcash.com account and provide you with special offers; • when it is necessary to establish or collect amounts owed to us; and • when necessary to meet legal, regulatory, insurance, audit, and security requirements. Location of Information and Service Providers We endeavour to store, access, and use Personal Information in Canada. However, unless there is a legal or regulatory requirement to keep such information in Canada, Personal Information may also be stored, accessed, or used outside of Canada. For instance, we use the services of various third party companies and contractors ("Service Providers") in the conduct of our business and in order to provide our Services to you. These Service Providers provide us with payment processing services, information technology services for our software applications, marketing and survey services, and other essential services. These Service Providers may, from time to time, collect, use, store, disclose, and process Personal Information on our behalf only as necessary to provide services to us. These Service Providers may be located in different locations and as such, your Personal Information may be stored, processed, or transferred into or out of various countries. We take all reasonable measures and precautions to protect your Personal Information when it is being handled by our Service Providers. When we engage a Service Provider outside of Canada, Personal Information may be stored, accessed or used in any country where the Service Provider is located, or from which it provides services. Where Personal Information is located outside of Canada, it is subject to the laws of that jurisdiction.If you wish to obtain more information on our use of Service Providers and our policies and practices regarding such Service Providers, please contact us as at support@ovalcash.com. Business Transactions We may use and disclose your Personal Information in connection with the proposed or actual financing, sale, or other business transaction involving part or all of our business or assets. Such use and disclosure would be for the purpose of allowing third parties to determine whether to proceed with the proposed transaction, and if the transaction proceeds, for the purpose of completing the transaction. Assignees or successors to our business or assets may use and disclose your Personal Information for the purposes described in this policy. You will be notified via email or a prominent notice on our web site of any change in ownership or uses of your Personal Information, as well as any choices you may have regarding your Personal Information. Surveys From time to time, we may conduct surveys via ovalcash.com. If you choose to participate, we use your response to come up with the survey results and, sometimes, to publish those results in aggregate on ovalcash.com. We will never permanently record or report any response you give on its own or connect it to your name or address. We will hold these responses only as anonymous statistics. Public Forums ovalcash.com may offer publicly accessible blogs or community forums. You should be aware that any information you provide in these areas may be read, collected, and used by others who access them. To request removal of your Personal Information from our blog or community forum, contact us at support@ovalcash.com. In some cases, we may not be able to remove your Personal Information, in which case we will let you know if we are unable to do so and why. Linking to Other Websites Please remember that when you use a link to go from ovalcash.com to another website, our Terms and Conditions and this Policy are no longer in effect. Your browsing and interaction on any other website, including any site that has a link on ovalcash.com, is subject to the terms of use and privacy policy of that website. We encourage you to read the terms of use and privacy policies of the websites you visit to further understand their procedures for collecting, using, and disclosing Personal Information. How You Can Decide What Communication You'll Receive From Us ovalcash.com may periodically send you email messages relating to your account, describing updates, new features, or promotional offers (if you have opted-in to receive them) related to the Services. You can choose to stop receiving certain promotional emails at any time. Simply follow the instructions included in your email, or send a request to stop to support@ovalcash.com. As described in this Policy, we collect, use and disclose your Personal Information to allow us to provide you the best Merchant offers possible. Please note that if you, as a Member, have also separately opted-in to receive Merchant communications such as newsletters or other promotional offers from a retailer (“Merchant Communications”), opting-out of receiving ovalcash.com communications does not mean that you have opted out of receiving Merchant Communications. How to Access, Update or Correct Your Personal Information To access, modify or delete your Personal Information, simply follow the instructions included on ovalcash.com, or you may also send an email to support@ovalcash.com for us to delete your Personal Information in a reasonable time after receiving the request. Subject to any exceptions prescribed by law, you can access and correct your Personal Information and challenge the accuracy and completeness of the information we have about you. We may deny access when required or authorized by law. For example, we may deny access when granting access would have an unreasonable impact on other people’s privacy or when necessary to protect our confidential commercial information and the requested information cannot be severed from the balance of the record in which it is contained. If we deny your request for access to, or refuse a request to correct information, we shall explain why. How We Protect the Security of Your Personal Information The security of your Personal Information is very important to us and we are committed to protecting the information we collect. However, we cannot take responsibility for theft, misuse, unauthorized disclosure, loss, alteration or destruction of data by a third party (such as a hacker). The Company has security measures in place at its physical facilities to protect against the loss, misuse, or alteration of information that we have collected from you through our Services. Consent By providing us with Personal Information, you consent to our collection, use, and disclosure of such information for the purposes identified in this Policy or otherwise at the time of collection. You may withdraw your consent to our collection, use, or disclosure at any time, provided that if you withdraw your consent to certain uses, we may no longer be able to provide Services to you. Minors ovalcash.com and our Services are not intended to solicit information of any kind from individuals under the majority in their jurisdiction of residence (“Minors”) without the required consent from their parents/guardians. If we become aware of any information we possess that may belong to a Minor, we will immediately obtain parental consent to delete this information from our servers. If you are a parent/guardian and you suspect that your child may have submitted personal information to us, please contact us at support@ovalcash.com. Data Retention We will retain your Personal Information for as long as you are a Member, as needed to provide you Services, or as required by law. If you wish to cancel your ovalcash.com account or request that we no longer use your information to provide you Services, contact us at support@ovalcash.com. We may retain and use your Personal Information after closure of your account as necessary to meet legal, regulatory, insurance, and audit requirements. Changes to the Policy This Policy was updated on February 29, 2024. We reserve the right to change, modify, or amend this Policy at any time. Please also read over our Terms and Conditions. We take privacy matters very seriously, and intend to stay at the forefront of privacy policy and protection matters. We will occasionally update our Policy and we will post those updates on this page. Your continued use of our Services following a change to this Policy means that you provide your consent to the collection, use and disclosure of your personal information as set out in the updated Policy. You are responsible for revisiting this page to review our Policy updates. Opting In & Out of Messages You have the option of receiving periodic Site or Services related alerts, weekly summaries, notifications, newsletters, promotions, or other information via email. You may choose to sign- up or stop receiving alerts, summaries, newsletters and promotions by indicating your preference in your account profile or settings. You may also follow the unsubscribe instructions in the emails you receive. Please note that certain Service-related messages that we send are necessary for the proper functioning and use of the Services and you may not have the ability to opt-out of those messages. Contact Us Please note that whenever you submit any information to us in connection with any Services, you consent to us processing this information as necessary to provide the Services in which you are participating. If you have questions or concerns regarding this Privacy Policy, our security practices, our information handling practices or wish to access, update, and/or correct your personal information, please contact our Privacy Officer by email at support@ovalcash.com or by mail at the following address: 11913751 Canada Inc. Attn: Privacy Officer 1235 Bay St. Suite 401, Toronto, ON M5R 3K4

dfe4defc-b8e9-46f4-a26f-22ecb8e06c7b This is a paragraph that explains the cashback offer and about the company 8% Cash Back Company Name 3 Unlock Go Go DISCLAIMER: By using OvalCash you are agreeing to OvalCash's Terms and Conditions and Privacy Policy. Merchants on OvalCash ("Merchants") are independent third party entities unrelated to OvalCash. OvalCash makes no recommendations, representations or warranties regarding any Merchant or their goods/services. Purchases through OvalCash are at your own risk and any complaints regarding purchases should be directed to the applicable Merchant. Please note that some offers may not represent discounts or savings. All fees and costs associated with purchases made through OvalCash are the responsibility of the purchaser. LifeCare does not guarantee the availability of Merchants or discounts. Discounts are subject to change or withdrawal without notice, and any applicable time restrictions. Merchants or discounts may not be accessible from your computer based on firewalls or other accessibility issues or settings.

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Contact Contact Us Today. Last name* Email* Phone* Tell Us More About What You Are Looking for Submit Hours Mon - Fri 9:00 am – 5:00 pm Saturday 9:00 am – 2:00 pm Sunday 9:00 am – 2:00 pm Location 1235 Bay St. Suite 401, Toronto, ON M5R 3K4 365-288-2761 info@ovalcash.com

Cookie Policy A legal disclaimer The explanations and information provided on this page are only general and high-level explanations and information on how to write your own document of a Cookie Policy. You should not rely on this article as legal advice or as recommendations regarding what you should actually do, because we cannot know in advance what are your specific cookie-related practices. We recommend that you seek legal advice to help you understand and to assist you in the creation of your own Cookie Policy. Cookie Policy - the basics Having said that, in certain jurisdictions, you must inform your site visitors, in case your website tracks personal information through the use of cookies or similar technologies. In these jurisdictions, the local regulation often includes an obligation to be clear about what tracking tools (e.g. cookies, flash cookies, web beacons, etc.,) your website deploys, and what types of personal information these technologies gather. These policies often also tell the website visitors what is the website doing with the information that was collected. It's important to note that third-party services placing cookies or utilizing other tracking technologies through Wix´s services, may have their own policies regarding how they collect and store information. As these are external services, such practices are not covered by the Wix Privacy Policy. To learn more about this, check out our article “Cookies and Your Wix Site ”.

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Refund Policy A legal disclaimer The explanations and information provided on this page are only general and high-level explanations and information on how to write your own document of a Refund Policy. You should not rely on this article as legal advice or as recommendations regarding what you should actually do, because we cannot know in advance what are the specific refund policies that you wish to establish between your business and your customers. We recommend that you seek legal advice to help you understand and to assist you in the creation of your own Refund Policy. Refund Policy - the basics Having said that, a Refund Policy is a legally binding document that is meant to establish the legal relations between you and your customers regarding how and if you will provide them with a refund. Online businesses selling products are sometimes required (depending on local laws and regulations) to present their product return policy and refund policy. In some jurisdictions, this is needed in order to comply with consumer protection laws. It may also help you avoid legal claims from customers that are not satisfied with the products they purchased. What to include in the Refund Policy Generally speaking, a Refund Policy often addresses these types of issues: the timeframe for asking for a refund; will the refund be full or partial; under which conditions will the customer receive a refund; and much much more.