Loyalty Points Policy
Last Updated: 8 August 2026
Nature of Caship Coins
Caship Coins are loyalty incentives. They are not bank deposits, e-money issued by a bank, securities, interest, investment returns, lottery winnings, or guaranteed income.
Earning Eligibility
Users may earn Caship Coins through eligible purchases, merchant campaigns, referral activity, plan benefits, promotional programs, or other platform-approved activities.
Earning depends on merchant participation, transaction confirmation, plan status, offer terms, user eligibility, technical availability, and compliance checks.
Credit Timing
Caship Coins may be credited instantly or after verification. Some rewards may remain pending until transaction confirmation, return period, merchant approval, or fraud checks are complete.
Redemption
Where You Can Redeem
Caship Coins may be redeemed only at participating merchants or platform areas where Caship permits redemption.
Redemption Rules
Redemption value, usage limit, minimum balance, category rules, merchant acceptance, and expiry may vary by campaign or plan.
Reversal and Forfeiture
Caship may reverse, block, expire, or forfeit Caship Coins in cases of refund, cancellation, failed transaction, duplicate credit, misuse, suspicious activity, account closure, policy breach, or merchant dispute.
Expiry
Caship Coins may expire according to plan terms, campaign terms, inactivity rules, account status, or published platform policy.
No Transfer or Sale
Caship Coins cannot be sold, traded, pledged, transferred outside permitted platform flows, or treated as a financial instrument.