Centex Cashback Rewards Program

Part A – Terms and Conditions

These Terms and Conditions apply to the Centex Cashback Rewards Program.

1. Program Overview and Acceptance

1.1. The Centex Cashback Rewards Program (the “Program”) is a loyalty reward program developed and operated by Centex Petroleum (“Centex”). The Program allows eligible members to collect and redeem Cashback Rewards (“Cashback”) at participating Centex locations, subject to these Terms and Conditions.

1.2. Participating locations are listed at centex.ca/our-locations/ (the “Participating Locations”). Centex may add, remove, or change Participating Locations from time to time. Not every Participating Location will necessarily offer the same earning or redemption opportunities.

1.3. By registering for the Program, using a Card, using a digital Card, using the App, using a registered phone number to collect Cashback, collecting Cashback, or redeeming Cashback, each member agrees to be bound by these Terms and Conditions, as amended from time to time.

1.4. Centex may amend these Terms and Conditions by posting updated terms on its website or by making updated terms available through the App or another Program channel. Continued participation in the Program after updated terms are made available constitutes acceptance of the updated terms.

2. Registration and Membership

2.1. To register for the Program, an individual must be a Canadian resident, have reached the age of majority in their province or territory of residence, and have a valid email address. Program accounts are intended for personal consumer use only. Businesses, corporations, partnerships, joint ventures, groups, associations, and other organizations are not eligible to participate unless Centex expressly permits otherwise. The Program is not currently available to residents of Quebec. Centex may reject, block, or cancel a registration where the individual identifies Quebec as their province of residence or where Centex otherwise determines that the individual is a Quebec resident.

2.2. A customer may register for the Program online through a registration page made available by Centex, through the Centex Cashback Rewards mobile application (the “App”), or through another registration method made available by Centex.

2.3. A member may use a physical Centex Cashback Rewards card (a “Card”), a digital Card issued through the App or another approved digital wallet, or a phone number that is registered and linked to the member’s Program account, if that option is available. A registered phone number may be used as an earning identifier only. Phone-number-based redemption is not permitted.

2.4. Only one Program account will be issued to each member. Only one physical Card is permitted for each member, unless Centex permits otherwise. If a member has both a physical Card and a digital Card, Centex may link both to the same Program account.

2.5. Registration is required before Cashback may be redeemed. Centex may, at its discretion, allow a customer to collect Cashback by using a Card before completing registration. Registration status gates redemption only and does not create a separate balance-aging rule. Cashback collected before registration and Cashback collected after registration are subject to the same inactivity rule in Section 7.1, subject to these Terms and Conditions and applicable law.

2.6. Members are responsible for keeping their account information accurate and current, including their email address, phone number, and other contact information.

2.7. Members are responsible for maintaining the confidentiality and security of their passwords, login credentials, Cards, digital Cards, mobile devices, and account access. Centex is not responsible for unauthorized access or unauthorized redemptions resulting from a member’s failure to protect that information or access.

3. App and Digital Card Use

3.1. The App and any digital Card are provided to support participation in the Program. App functionality, availability, device compatibility, and digital Card functionality may change from time to time.

3.2. Members are responsible for any device, data, carrier, internet, or other charges associated with accessing or using the App, a digital Card, or any Program website.

3.3. Centex may send administrative or transactional Program notices through the App, by email, by push notification, or through another Program channel. Marketing communications will be sent only where Centex has consent or another lawful basis to send them. Members may unsubscribe or update marketing communication preferences as described in the Privacy Policy and any applicable communication.

3.4. Members must not misuse the App, attempt to gain unauthorized access to Program systems, reverse engineer or interfere with the App, use the Program for fraudulent or commercial purposes, or otherwise use the App or Program in a manner inconsistent with these Terms and Conditions.

3.5. The App may be made available through third-party app stores. Those app stores are not responsible for the Program, the App, Cashback, or any related support, claims, or obligations, except to the extent required by applicable app-store terms or applicable law.

4. Earning Cashback

4.1. To collect Cashback on an eligible purchase, the member must, before the purchase transaction is completed, use an available Program identification method. Depending on the location and transaction type, this may include swiping or scanning a Card, scanning a digital Card through the App or an approved mobile wallet, or entering a registered phone number associated with the member’s Program account.

4.2. No Cashback will be awarded retroactively where the member does not use an available Program identification method before the transaction is completed. Cashback may be collected on only one Program account for each purchase transaction.

4.3. Cashback will be calculated in accordance with the Rewards Schedule below, subject to these Terms and Conditions, applicable promotional terms, location-level participation rules, applicable exclusions, and any disclosures posted by Centex.

Rewards Schedule

Eligible Purchase Category	Base Cashback
Gasoline, all grades, and diesel	2 cents per litre
Eligible convenience-store purchases	2% of the pre-tax purchase amount
Eligible car wash purchases	2% of the pre-tax purchase amount

4.4. Not all Participating Locations may offer Cashback on all purchase categories. Certain locations may offer fuel Cashback only and may not offer Cashback on convenience-store purchases, car wash purchases, or other products or services. Members are responsible for reviewing the Participating Locations page, posted location disclosures, and Program materials before making a purchase.

4.5. Cashback on fuel purchases is calculated by litre. Cashback on eligible convenience-store purchases and eligible car wash purchases is calculated on the pre-tax purchase amount, unless Centex states otherwise in specific promotional terms or Program materials.

4.6. Unless Centex expressly states otherwise, Cashback will not be issued on the purchase of tobacco, liquor, lottery products, scratch tickets, prepaid phone cards, gift cards, transit passes, automotive services, items excluded by law, or any other items or services specified by Centex as excluded from time to time (collectively, “Ineligible Items”).

4.7. Centex may offer bonus Cashback on selected products, services, purchase categories, locations, dates, or other promotional criteria. Promotional offers may include minimum purchase amounts, minimum fuel volumes, maximum litre limits, maximum Cashback limits, product exclusions, location exclusions, date restrictions, or other conditions. If there is a conflict between these Terms and Conditions and specific promotional terms, the specific promotional terms will govern the applicable promotion to the extent of the conflict.

4.8. Centex may issue Cashback for non-purchase promotional purposes, including acquisition incentives, member engagement offers, goodwill adjustments, surprise-and-delight offers, or other promotional reasons (“Promotional Cashback”). Unless Centex states a later expiry date or applicable law requires otherwise, Promotional Cashback expires thirty (30) days after issuance. For clarity, this thirty (30) day expiry rule applies only to Promotional Cashback and does not apply to Cashback earned on eligible purchases.

4.9. If a member returns an item or service for which Cashback was awarded, Centex may deduct or reverse the Cashback associated with the original purchase. If the account balance is insufficient to complete the deduction or reversal, Centex may deduct the applicable amount from future Cashback or otherwise adjust the account.

4.10. Cashback balances may appear on receipts, account records, the App, the Program website, or other Program channels. If Program systems are temporarily unavailable or delayed, Cashback may be posted after system functionality is restored. Centex’s Program records will govern account balances, earning, redemptions, adjustments, and discrepancies, except where Centex determines otherwise or applicable law requires otherwise.

4.11. If a member becomes a Quebec resident after registration, Centex may suspend the member’s ability to earn new Cashback until the Program is made available to Quebec residents. Any Cashback earned before the member’s account is identified as belonging to a Quebec resident may continue to be redeemed in accordance with these Terms and Conditions, subject to applicable law. Suspension of earning under this Section does not, by itself, cancel, forfeit, or expire Cashback earned before the account was identified as belonging to a Quebec resident.

5. Redeeming Cashback

5.1. Registration is required before Cashback may be redeemed. A member must have sufficient available Cashback in their Program account at the time of redemption.

5.2. To redeem Cashback, the member must present a Card or digital Card at the cashier and advise the cashier, before the purchase transaction is finalized, that the member wishes to redeem Cashback. Phone-number-based redemption is not permitted. The redeemed amount will be deducted from the member’s account balance at the time of the transaction or shortly after the transaction is processed.

5.3. The minimum redemption threshold is $5.00. Redemption amounts above that threshold are subject to POS capabilities and Centex’s available redemption options from time to time. Current launch redemption options are expected to be $5, $10, $15, $20, $25, $50, $75, and $100. Centex may add, remove, suspend, or change redemption options from time to time in accordance with Section 5.5 and applicable law.

5.4. Cashback has no cash value, cannot be redeemed for cash, cannot be paid out in cash or equivalent value, and may be used only in accordance with these Terms and Conditions. Cashback may not be redeemed toward Ineligible Items.

5.5. Centex may establish, amend, suspend, or remove minimum redemption amounts, maximum redemption amounts, transaction limits, product or service exclusions, location restrictions, restrictions applicable to unregistered Cards or accounts, or other redemption restrictions from time to time, subject to applicable law.

6. Account Balances, Discrepancies, and Adjustments

6.1. Members are responsible for reviewing and monitoring their Program account balances and transactions. Members may access account information through the Program website, the App, or another method made available by Centex.

6.2. If a member believes that Cashback was incorrectly awarded, incorrectly redeemed, incorrectly adjusted, or not awarded, the member must notify Centex within thirty (30) days after the applicable transaction. After that period, the transaction may be treated as accepted by the member, subject to applicable law.

6.3. Centex may correct or adjust a Program account if Cashback has been incorrectly awarded, redeemed, credited, debited, transferred, calculated, displayed, or otherwise recorded. Centex may also correct errors resulting from system issues, human error, transaction reversals, returns, fraud, suspected fraud, or misuse.

7. Expiry, Suspension, Termination, and Program Changes

7.1. Subject to applicable law, earned Cashback, whether collected before or after registration, expires after twelve (12) continuous months of inactivity. Inactivity means that the member has not collected or redeemed Cashback during that twelve (12) month period. Registration status gates redemption only and does not create a separate balance-aging rule. If applicable law restricts the expiry, cancellation, or suspension of Cashback, this Section will be interpreted and applied only to the extent permitted by applicable law.

7.2. Promotional Cashback may expire in accordance with Section 4.8. Promotional Cashback is separate from Cashback earned on eligible purchases and may be subject to different conditions disclosed at the time of issuance, subject to applicable law.

7.3. Centex may suspend or terminate a member’s Program account, refuse to issue Cashback, reverse Cashback, refuse redemption, or close an account if Centex determines that the member has breached these Terms and Conditions, provided false or misleading information, abused the Program, engaged in fraud or suspected fraud, used the Program for commercial or non-personal purposes without authorization, misused the App or a Card, or otherwise used the Program in a manner inconsistent with these Terms and Conditions.

7.4. Upon suspension, termination, closure, cancellation, or deactivation of a Program account, unredeemed Cashback may be forfeited, cancelled, suspended, or expire, subject to applicable law and any notice required by applicable law. For clarity, a suspension of earning under Section 4.11 does not, by itself, constitute a suspension, termination, closure, cancellation, or deactivation of the member’s Program account for the purposes of this Section.

7.5. Centex may modify, suspend, restrict, or terminate the Program, the Rewards Schedule, Participating Locations, eligible purchase categories, promotional offers, redemption options, redemption restrictions, Card functionality, App functionality, or any other aspect of the Program at any time, subject to applicable law.

7.6. If Centex cancels the Program, Centex may give notice through email, the Program website, the App, or another Program channel. The notice may specify the final date for collecting or redeeming Cashback and the date on which unredeemed Cashback will expire, be cancelled, or otherwise be dealt with, subject to applicable law.

8. Lost, Stolen, or Replaced Cards

8.1. If a Card is lost, stolen, damaged, or destroyed, the member is responsible for notifying Centex promptly. Centex may issue a replacement Card upon request.

8.2. Cashback may be transferred to a replacement Card only if the original Card was registered and Centex is able to verify the member’s identity and account ownership to Centex’s satisfaction.

8.3. Centex is not responsible for unauthorized use of a lost, stolen, damaged, or destroyed Card, digital Card, App, mobile device, phone number, or account before the member notifies Centex and completes any replacement, transfer, suspension, or deactivation process required by Centex.

9. Limitation of Liability

9.1. To the fullest extent permitted by applicable law, Centex will not be liable for any interruption, delay, system failure, communication failure, technical malfunction, transaction-processing issue, App issue, website issue, data error, account error, or other event affecting the operation of, access to, or participation in the Program.

9.2. To the fullest extent permitted by applicable law, Centex will not be liable for errors or omissions in Program materials, location disclosures, receipts, account balances, transaction records, Program websites, the App, or other Program communications, except where Centex determines otherwise or applicable law requires otherwise.

9.3. Centex is not responsible for any tax consequences that may arise from participation in the Program, the collection of Cashback, the redemption of Cashback, or the receipt of Promotional Cashback.

9.4. By redeeming Cashback, the member releases Centex from claims relating to the redemption or use of Cashback and any loss, damage, cost, or claim arising from products or services obtained using Cashback, except to the extent that such release is not permitted by applicable law.

10. General Terms

10.1. Cashback is not property of the member. Cashback is not transferable, cannot be sold, purchased, exchanged, gifted, bartered, mortgaged, pledged, charged, assigned, or made subject to a security interest, and does not pass to any spouse, adult interdependent partner, common-law partner, heir, personal representative, estate trustee, successor, or assignee, except where Centex expressly permits otherwise or applicable law requires otherwise.

10.2. These Terms and Conditions are governed by the laws of the Province of Alberta and the federal laws of Canada applicable in Alberta, without regard to conflict-of-law rules. Each member submits to the jurisdiction of the courts of Alberta for disputes relating to the Program, subject to applicable consumer protection laws that cannot be waived or varied by agreement.

10.3. If any part of these Terms and Conditions is invalid, illegal, or unenforceable, that part will be severed or read down to the minimum extent necessary, and the remaining parts will continue in full force and effect.

10.4. Centex’s failure to enforce any term of these Terms and Conditions does not waive Centex’s right to enforce that term or any other term.

11. Program Contact Information

11.1. Questions or concerns regarding the Program or these Terms and Conditions may be directed to Centex at cashback@centex.ca or by telephone at 1-833-223-6839.

Part B – Centex Cashback Rewards Program Privacy Policy

This Privacy Policy describes how Centex collects, uses, discloses, stores, and protects personal information in connection with the Centex Cashback Rewards Program and related customer-facing Program channels.

1. Scope

1.1. This Privacy Policy applies to personal information collected in connection with the Program, including registration, Cards, digital Cards, the App, Program websites, transaction records, customer support, marketing communications, promotional offers, and Program administration.

1.2. This Privacy Policy is intended to supplement, and not replace, any broader privacy policy maintained by Centex. If Centex maintains a separate general privacy policy, Centex should ensure that the policies are consistent before publication.

2. Personal Information

2.1. “Personal Information” means information about an identifiable individual or information that permits an individual to be identified, other than information that applicable privacy law excludes from that definition.

2.2. Personal Information collected in connection with the Program may include name, mailing address, email address, telephone number, date of birth or age-confirmation information, Program account information, Card number, digital Card information, registered phone number, communication preferences, location-level transaction information, purchase-category information, Cashback earning and redemption history, customer-service communications, device and App information, website or App usage information, and other information provided by the member or generated through participation in the Program.

2.3. Centex does not collect or retain payment-card numbers as part of Program account records. Payment-card processing may be handled separately through Centex’s point-of-sale systems or payment processors.

3. Consent and Reasonable Purposes

3.1. Centex collects, uses, and discloses Personal Information with consent, where required, or as otherwise permitted or required by applicable law.

3.2. Consent may be express or implied, depending on the circumstances and applicable law. By registering for the Program or participating in the Program, a member consents to Centex’s collection, use, and disclosure of Personal Information for the purposes described in this Privacy Policy.

3.3. A member may withdraw consent, subject to legal, contractual, operational, and reasonable notice requirements. Withdrawal of consent may limit Centex’s ability to provide Program access, maintain an account, issue Cashback, process redemptions, provide customer support, or send required Program notices.

4. Purposes for Collection, Use, and Disclosure

4.1. Centex may collect, use, and disclose Personal Information for the following purposes:

to register, verify, administer, operate, maintain, and improve the Program;
to issue Cards, digital Cards, account numbers, and related Program identifiers;
to track eligible purchases, calculate Cashback, process redemptions, post balances, correct errors, and manage returns or adjustments;
to provide customer support and respond to inquiries, complaints, access requests, correction requests, and account issues;
to send administrative, transactional, security, operational, and account-related Program communications;
to send marketing communications, promotional offers, bonus reward opportunities, newsletters, and other commercial electronic messages where Centex has consent or another lawful basis to do so;
to understand member preferences, Program usage, offer effectiveness, location performance, and customer experience;
to detect, investigate, prevent, and respond to fraud, misuse, security incidents, technical issues, legal claims, or violations of Program terms;
to comply with legal, regulatory, tax, accounting, audit, and reporting requirements; and
for any other purpose disclosed at the time of collection or otherwise permitted or required by applicable law.

5. Marketing Communications

5.1. Members may choose whether to receive marketing communications from Centex, including promotional offers, special offers, bonus reward opportunities, newsletters, and other commercial electronic messages. Where required by law, Centex will obtain consent before sending marketing communications.

5.2. A member may unsubscribe from marketing communications or update marketing preferences by using the unsubscribe mechanism in the applicable communication, updating account preferences where that functionality is available, or contacting Centex. Withdrawal of consent to receive marketing communications will not prevent Centex from sending administrative, transactional, security, operational, or account-related Program communications.

5.3. Push notifications may include administrative, transactional, security, operational, account-related, or marketing content, depending on the nature of the notification and the member’s settings or consent. Marketing push notifications will be sent only where Centex has consent or another lawful basis to send them. Members may adjust push-notification settings through the App or their device settings, where available.

5.4. Centex may suppress marketing communications and non-essential promotional Program communications to members identified as Quebec residents until Centex has implemented French-language materials, consent processes, and related Quebec compliance measures and has made the Program available to Quebec residents. Centex may continue to send administrative, transactional, security, operational, account-related, or legally required communications where necessary to administer existing balances, support redemption, maintain account security, or comply with applicable law.

6. Service Providers and Third Parties

6.1. Centex may disclose or transfer Personal Information to service providers that assist with the administration and operation of the Program. These service providers may include loyalty platform providers, App providers, website and hosting providers, payment or point-of-sale integration providers, email and push notification providers, customer support providers, marketing service providers, data processing providers, analytics providers, security providers, professional advisors, and other service providers engaged by Centex.

6.2. Centex discloses or transfers Personal Information to service providers only to the extent reasonably necessary for the services they provide or as otherwise permitted or required by law. Centex requires service providers to protect Personal Information in a manner consistent with this Privacy Policy and applicable privacy law.

6.3. Centex does not authorize service providers to use Personal Information for their own independent marketing purposes unless Centex has obtained any consent required by applicable law or the use is otherwise permitted by applicable law.

6.4. Centex may use category-level service-provider disclosure and is not required to identify each service provider by name in this Privacy Policy. Members may contact Centex for additional information about Centex’s privacy practices, subject to any legal, security, commercial, contractual, or confidentiality limitations.

7. Cross-Border Storage and Processing

7.1. Personal Information may be stored, processed, or accessed by Centex or its service providers in jurisdictions outside the member’s province or territory of residence or outside Canada, including the United States. In those circumstances, Personal Information may be subject to the laws of those jurisdictions and may be accessible to courts, law enforcement agencies, governmental authorities, or regulatory authorities in accordance with applicable laws.

8. Safeguards

8.1. Centex uses reasonable administrative, technical, and physical safeguards designed to protect Personal Information against loss, theft, unauthorized access, disclosure, copying, use, modification, or destruction.

8.2. No method of internet transmission, electronic storage, or security safeguard can be guaranteed to be completely secure. Centex cannot guarantee absolute security, but will take reasonable steps to protect Personal Information in accordance with applicable law.

8.3. Members are responsible for protecting their passwords, account credentials, Cards, digital Cards, mobile devices, and any other information or devices that allow access to their Program accounts.

9. Retention

9.1. Centex retains Personal Information only for as long as reasonably necessary to fulfill the purposes for which it was collected, administer the Program, maintain business and legal records, resolve disputes, enforce Program terms, comply with legal, regulatory, tax, accounting, audit, and reporting requirements, or as otherwise permitted or required by law.

9.2. When Personal Information is no longer required, Centex will take reasonable steps to securely destroy, erase, anonymize, or otherwise dispose of the information in accordance with applicable law and Centex’s records practices.

10. Access and Correction

10.1. Centex takes reasonable steps to ensure that Personal Information used in connection with the Program is accurate, complete, and up to date for the purposes for which it is used.

10.2. A member may request access to, or correction of, Personal Information by contacting Centex. Centex may require identity verification before providing access or making corrections. Access and correction rights are subject to limitations and exceptions permitted or required by applicable law, including solicitor-client privilege, confidential commercial information, information about other individuals, security concerns, or legal restrictions.

11. Privacy Inquiries and Withdrawal of Consent

11.1. Questions, concerns, complaints, requests for access or correction, or requests to withdraw consent may be directed to Centex at cashback@centex.ca or by telephone at 1-833-223-6839. The individual responsible for Centex’s privacy compliance may be contacted through those role-based contact channels.

11.2. Centex will investigate and respond to privacy-related inquiries and complaints within a reasonable period of time and in accordance with applicable privacy law.

12. Changes to this Privacy Policy

12.1. Centex may amend this Privacy Policy from time to time. Updated versions will be posted on Centex’s website, made available through the App, or otherwise made available through Program channels. Unless otherwise stated, changes will take effect when posted or made available.