Protellier

1. Introduction and Relationship to Terms of Service

This Traveler User Agreement (“Traveler Agreement”) is a supplement to the Protellier Terms of Service(“Terms of Service”) and is incorporated into and forms part of the Terms of Service. Capitalized terms used but not defined in this Traveler Agreement have the meanings given to them in the Terms of Service.

This Traveler Agreement applies to individuals who register for a Protellier customer account (“Traveler,” “you,” or “your”) to earn cashback rewards at participating businesses. By creating a Traveler account, you agree to this Traveler Agreement in addition to the Terms of Service.

In the event of any conflict between this Traveler Agreement and the Terms of Service, this Traveler Agreement controls with respect to the subject matter specifically addressed herein.

2. Traveler Eligibility

In addition to the general eligibility requirements in the Terms of Service, to maintain a Traveler account you must:

• Be a natural person (individual); business entities may not register as Travelers;
• Have a valid U.S. bank account or payment card eligible for linking through Plaid;
• Provide accurate personal information including your legal name and email address; and
• Not have had a Traveler account previously terminated for cause.

You may create an account and browse all available deals on the Platform without any hotel affiliation. Enrolling in a deal and earning cashback Rewards additionally requires an active, verified hotel reservation with a Protellier Hotel, as described in Section 7.

3. Plaid Bank Connectivity Authorization

3.1 What Plaid Does

To use the Platform’s cashback features, you must link at least one bank account or payment card through Plaid Technologies, Inc. (“Plaid”). Plaid is a third-party financial data aggregator that securely connects your financial institution to the Platform. Plaid allows the Platform to receive transaction data from your linked accounts in order to identify qualifying purchases at participating businesses.

Protellier does not receive your bank login credentials. Plaid manages the authentication process directly with your financial institution using its own secure protocols.

3.2 Your Authorization to Plaid

By linking your financial accounts, you authorize Plaid to:

• Access your bank account and payment card transaction history on an ongoing basis;
• Retrieve transaction details including merchant name, transaction amount, date, and location;
• Share the relevant portions of that transaction data with the Platform for the purpose of identifying qualifying purchases and crediting cashback rewards; and
• Perform such other functions as are described in Plaid’s End User Privacy Policy.

Your use of Plaid is also governed by Plaid’s End User Privacy Policy, available at https://plaid.com/legal/. By linking your accounts, you agree to Plaid’s terms in addition to this Traveler Agreement.

By using our services, you grant Protellier and Plaid Inc. (“Plaid”) the right, power, and authority to act on your behalf to access and transmit your personal and financial information from the relevant financial institution. You agree to your personal and financial information being transferred, stored, and processed by Plaid in accordance with the Plaid End User Privacy Policy.

3.3 Scope of Data Use

Protellier uses the transaction data received from Plaid solely to: (a) identify qualifying purchases at participating businesses; (b) calculate and credit cashback rewards to your account; (c) detect fraud or prohibited conduct; and (d) generate anonymized or aggregated analytics. We do not sell your personal financial data to third parties.

We will not use your financial account data to assess your creditworthiness, make lending decisions, or share your data with marketing or advertising platforms.

3.4 Data Retention and Deletion

Transaction data retrieved from Plaid is retained for as long as your account is active and for a period of three (3) years following account closure, unless a longer retention period is required by applicable law. You may request deletion of your financial data by submitting a request to support@protellier.com, subject to any legal retention obligations. See our Privacy Policy for full details.

3.5 Revoking Plaid Access

You may disconnect your linked financial accounts at any time through the Platform’s account settings or directly through Plaid’s data management portal. Revoking Plaid access will prevent the Platform from monitoring future transactions and crediting new cashback rewards. Any rewards already credited to your account at the time of revocation will not be affected, but your ability to earn new rewards will cease until you re-link an account.

3.6 Plaid Connectivity Issues

Protellier is not responsible for interruptions in Plaid connectivity, changes to Plaid’s services, or a financial institution’s refusal to share data with Plaid. If your linked account loses connectivity, qualifying transactions during the connectivity gap may not be detected or credited. We will not retroactively credit rewards for transactions that occurred during a Plaid connectivity interruption unless we are able to verify the transaction through an alternative method.

4. Transaction Monitoring and Deal Qualification

4.1 How Monitoring Works

Once you link a financial account, the Platform continuously monitors your transaction history from that account. When a transaction is detected at a participating business that has an active cashback deal, the Platform evaluates whether the transaction qualifies for a cashback reward.

4.2 Qualification Criteria

To qualify for a cashback reward, a transaction must meet all of the following criteria:

• The transaction must be made with a linked bank account or payment card;
• The transaction must occur at a participating business with an active deal at the time of purchase;
• The transaction amount must meet any minimum spend requirement set by the business;
• The transaction must occur within the deal’s active date range and any applicable time-of-day restrictions;
• The transaction must not exceed any per-customer redemption limit set by the business;
• The business’s total cashback budget for the deal must not have been exhausted at the time of the transaction (subject to the same-day grace buffer described in the Business User Agreement); and
• You must have an active, verified hotel reservation with a Hotel that is partnered with that business at the time of the transaction, as described in Section 7. If you do not, you will be prompted to verify a reservation before you can enroll in or redeem a deal.

4.3 Transaction Matching

The Platform identifies qualifying transactions using billing descriptors, merchant entity IDs provided by Plaid, and Plaid’s standardized transaction category (not a card network merchant category code). Transaction matching is automated and is not guaranteed to be 100% accurate. Mismatches may occur in either direction: a qualifying transaction may occasionally not be detected, or a non-qualifying transaction may occasionally be incorrectly matched.

If you believe a qualifying transaction was not credited, or that a credit was applied in error, you may initiate a dispute as described in Section 4.4 below.

4.4 Transaction Disputes

To dispute a missing or incorrect cashback credit, submit a request to support@protellier.com within sixty (60) days of the transaction date. Include: (a) the date and amount of the transaction; (b) the name of the business; and (c) a description of the issue. Protellier will review the dispute and respond within ten (10) business days. Our determination is final, subject to the dispute resolution process in the Terms of Service.

Protellier reserves the right to reverse cashback credits that were applied in error, including credits resulting from transaction mismatches, system errors, or prohibited conduct.

4.5 No Guarantee of Deal Availability

Deal availability is controlled by participating businesses and may change at any time without notice. A business may modify, pause, or discontinue a deal. The Platform does not guarantee that any specific deal will be available at any particular time, and we are not responsible for losses arising from deal unavailability. If you are already enrolled in a deal when the business reduces its value or pauses it, your enrolled terms are honored for a short grace period before the change applies to you, as described in Section 5.2, and we will notify you.

5. Cashback Rewards

5.1 Nature of Cashback Rewards

Cashback rewards (“Rewards”) credited to your account are promotional credits issued by Protellier. Rewards are not cash, deposits, or currency. They are not insured by the FDIC or any government agency, do not bear interest, and have no cash value outside of the Platform’s redemption process.

5.2 Reward Calculation

Rewards are calculated based on the deal terms set by the participating business at the time of the qualifying transaction. A deal may offer either: (a) a percentage of the qualifying transaction amount; or (b) a fixed dollar amount per qualifying transaction, subject to any minimum spend requirement. The exact Reward amount will be displayed in the deal details before you make a purchase.

If a business makes a change that reduces a deal’s value or otherwise makes its terms less favorable, and you enrolled in the deal before that change, your enrolled terms are honored for a short grace period before the new terms apply to you. The grace period runs until the start of the next day in the business’s local time zone (and at least five hours from when the change is made). Travelers who are not enrolled at the time of the change receive the new terms immediately. Rewards you have already earned are never reduced by a later change to the deal.

The Platform calculates Rewards based on the transaction amount reported by Plaid, which may differ from the amount displayed on your receipt in cases where tips, taxes, or partial refunds are involved. In cases of discrepancy, the amount reported by Plaid controls.

5.3 Reward Crediting Timeline and Settlement Period

A pending Reward typically appears in your account within three to five (3–5) business days of the qualifying transaction, depending on when transaction data is received from Plaid and the time required to verify the transaction against deal parameters. Each Reward then becomes confirmed and redeemable after a settlement period of fourteen (14) days from the transaction’s settlement date (the “Settlement Period”), which allows for refunds, reversals, and chargebacks on the underlying purchase to surface. Pending Rewards are displayed in your account but are not redeemable until the Settlement Period has elapsed.

5.4 Reward Expiration

Your entire available Reward balance shares a single expiration clock: it expires only if no new Reward has been earned on your account for twelve (12) consecutive months. Earning any new Reward resets the twelve-month clock for your entire balance. We will send you a notification at least thirty (30) days before your Reward balance is scheduled to expire.

Expired Rewards are forfeited and cannot be reinstated, except to the extent applicable law (including state unclaimed property law as described in Section 6.7) requires otherwise.

5.5 Reward Adjustments

Protellier reserves the right to adjust, reverse, or forfeit Rewards in the following circumstances:

• A qualifying transaction is reversed, refunded, or charged back at the underlying merchant;
• The Reward was credited in error due to a transaction mismatch or system error;
• The Reward was earned through prohibited conduct, including fraudulent transactions, deal abuse, or reservation verification fraud; or
• Your account is terminated for cause.

We will notify you of any material adjustment to your Reward balance, except in cases of termination for cause.

6. Reward Redemption and Payouts

6.1 Redemption Amount

You may redeem your confirmed Rewards at any time once your account has an available balance. There is no minimum redemption threshold: a redemption request pays out your full available balance, and you cannot request a partial amount.

6.2 Redemption Process

To redeem Rewards, submit a redemption request through the Platform. You will be required to have a verified payout method on file. Payouts are processed through Stripe, and you agree to Stripe’s terms of service in connection with your receipt of payouts.

By requesting a payout, you represent that: (a) the Rewards being redeemed were earned legitimately in accordance with this Traveler Agreement; and (b) the payout account you have provided is owned by you.

6.3 Payout Timing

Payout processing times are subject to Stripe’s processing timelines and your bank’s posting schedule. Protellier targets processing redemption requests within five to seven (5–7) business days of a confirmed redemption request, but does not guarantee specific delivery dates.

Protellier is not responsible for delays caused by Stripe, your financial institution, or other factors outside our control.

6.4 Failed Payouts

If a payout fails due to an incorrect account number, a closed account, or a rejection by your bank, we will notify you, and the Reward balance is returned to your account as available for you to redeem again once you provide updated payment information.

6.5 Tax Responsibility

Cashback Rewards are promotional rebates on your own purchases, not income, and Protellier does not generally expect to issue a Form 1099 or other tax form in connection with your Rewards. You are nonetheless solely responsible for any tax obligations that may arise from Rewards you receive, and should consult a tax advisor regarding the treatment of cashback rewards and promotional credits under applicable tax law.

6.6 No Cash Value Outside Platform

Rewards have no monetary value outside of the Platform’s redemption process. Rewards may not be transferred, sold, gifted, or assigned to another person or account. Any attempt to transfer Rewards is void and may result in account termination.

6.7 Unclaimed Property

Where required by applicable state unclaimed property (escheat) laws, confirmed Reward balances that remain unredeemed for the period specified by the applicable state’s law may be reported and remitted to the state of your last known address rather than forfeited, notwithstanding Section 5.4. Once a balance has been remitted to a state, any claim to those funds must be made to that state through its unclaimed property process, and Protellier has no further obligation to you with respect to the remitted amount. The expiration and forfeiture provisions of this Traveler Agreement apply only to the extent permitted by applicable law.

7. Hotel Reservation Verification

You do not need any hotel affiliation to create a Protellier account or browse deals. Enrolling in a deal and earning cashback Rewards requires you to verify an active hotel reservation with a Protellier Hotel, as described below.

7.1 How to Verify a Reservation

A Hotel property provides its guests with a confirmation code tied to their reservation’s check-in and check-out dates. You verify your stay by entering that code in the Platform. If you attempt to enroll in a deal without an active, verified reservation, the Platform will prompt you to verify one.

7.2 Duration of Verification

Your verification status is active for the duration of your reservation’s check-in and check-out dates, plus a limited grace period following check-out. It ends when that period elapses, when you cancel your own verification through the Platform, when your Traveler account is closed, or when the associated Hotel’s account is suspended or terminated. You may hold only one active verified reservation at a time.

7.3 Effect on Your Cashback

Reservation verification determines whether you may enroll in and redeem deals, and whether a Hotel earns Revenue Share on your qualifying transactions, as described in the Hotel Agreement. It does not otherwise affect the amount of cashback you earn, which is calculated based solely on your qualifying transactions at participating businesses. If your verification status ends before you complete a qualifying purchase, that purchase will not qualify for cashback unless you verify a new active reservation within the window described in Section 7.4. However, ending your verification status never affects Rewards you already earned while it was active. The Hotel will not receive access to your individual transaction history; it will receive only aggregated data about guest engagement, as described in the Hotel Agreement.

7.4 Pending Verification Window

Protellier determines whether you engaged with a participating business’s deal (by enrolling in it, or by viewing it within the applicable attribution window) independently of whether you have an active, verified hotel reservation at the time of your purchase. If you make a qualifying purchase in this way without an active, verified reservation matched to that business (because you have not yet verified one, or because your prior verification ended beforehand), Protellier holds the purchase in a pending status for up to 30 days from the date of the purchase, rather than rejecting it outright.

If you verify a matching active reservation within that 30-day window, the purchase is processed normally and any cashback you are eligible for is credited under the terms of Section 6. Crediting timelines under Section 5.3 run from the date of the original purchase, not from the date you verify your reservation. If no matching reservation is verified within 30 days of the purchase, the purchase permanently expires; it will not qualify for cashback under any circumstance, and we will notify you that it has expired.

8. Account Suspension and Termination

8.1 Suspension

Protellier may suspend your Traveler account temporarily if we detect suspicious activity, a potential violation of this Traveler Agreement or the Terms of Service, or a technical issue requiring investigation. During a suspension, you will not be able to earn new Rewards or submit redemption requests. We will notify you of the suspension and the reason, where permitted by law and practicable.

8.2 Termination for Cause

Protellier may terminate your Traveler account for cause, including but not limited to:

• Violation of this Traveler Agreement or the Terms of Service;
• Fraudulent transactions, deal abuse, or reservation verification fraud;
• Providing false or misleading information during registration or verification;
• Creating multiple accounts; or
• Any conduct that we determine, in our reasonable discretion, is harmful to the Platform, other users, or participating businesses.

8.3 Effect of Termination on Rewards

If your account is terminated for cause, all pending and confirmed Rewards in your account will be forfeited. No payout will be made for forfeited Rewards.

8.4 Voluntary Account Closure

You may close your Traveler account at any time using the account deletion feature in the Platform or by contacting us at support@protellier.com. Any confirmed, available Reward balance is resolved immediately as part of closing your account: if you have a verified payout method on file, that balance will automatically be submitted for payout; if you do not, you will be asked to confirm that you understand the balance will be forfeited before closure can proceed. Rewards that have not yet cleared the Settlement Period described in Section 5.3 at the time of closure are not eligible for payout and are forfeited, subject to Section 6.7.

9. Notifications and Communications

Protellier will communicate with you via email and, if you have opted in, via SMS text message. We may send you notifications regarding:

• Cashback Reward credits and redemption confirmations;
• Account activity and security alerts;
• Changes to a deal you are enrolled in, including when a business pauses it or reduces its value (in which case your enrolled terms are honored through the change’s effective date, as described in Section 5.2); and
• Material changes to this Traveler Agreement or the Terms of Service.

You may manage your notification preferences in the Platform’s account settings. You may opt out of marketing communications at any time, but we may continue to send you transactional and account-related communications necessary for the operation of your account.

10. Dispute Resolution

This Traveler Agreement is subject to the Dispute Resolution provisions of the Terms of Service, including the mandatory informal resolution period, binding individual arbitration, class action waiver, small claims court carve-out, and injunctive relief carve-out, all of which are incorporated herein by reference.

To submit a dispute notice, contact us at support@protellier.com. For disputes specifically related to cashback credits or transaction matching, please also follow the dispute process described in Section 4.4 of this Traveler Agreement, which is a prerequisite to formal dispute proceedings for those claim types.

11. Modifications to This Agreement

We may update this Traveler Agreement from time to time. We will notify you of material changes by email or in-app notification at least fourteen (14) days before the changes take effect. Your continued use of the Platform after the effective date constitutes your acceptance of the updated agreement. If you do not agree, you must stop using the Platform and close your account.

12. Contact Information

For questions about this Traveler Agreement, your Reward balance, or your account, contact us at: