Credit terms

Version 2026-11-10

1. One credit equals one US dollar of goods or services from a business on the list at /where. Every business on the list is owned or controlled by the same owner as the issuer.
2. Credits are not money, cannot be exchanged for cash, money, cryptocurrency or any other currency, and cannot be used to buy gift cards, prepaid cards or stored value, including Kindcard.
3. You may not sell credits or buy them from anyone for money, on our sites or elsewhere. Accounts that do are closed.
4. An account can hold at most $2,000 in credits and take in at most $2,000 in one day (purchases plus credits received).
5. Credits do not expire and carry no fees.
6. California residents may ask for a balance under $15 back (Civil Code 1749.5). This is the only case where credits are paid back.
7. A transfer can be canceled by the sender until the receiver accepts it; after that it is final, except when we reverse it after a review for fraud.
8. Credits bought with a payment that is disputed are frozen, and so are matching credits it was sent on to.
9. You must be 18 or older to buy or send credits, and have a confirmed phone number to send or receive them. One account per phone number.
10. If you close your account, spend or send the balance first. A balance left on a closed account stays there and can be restored by support for as long as the program runs.
11. If the program ends, we give written notice and time to spend, then refund what is left to the original cards.