Terms & Conditions

Please read these Terms and Conditions (“Terms and Conditions” or “Agreement”) carefully. This agreement affects your rights.

CASH PROMISE Rewards (“Company” or “we”) makes available shopping programs (“Programs”) through www.CASH PROMISE.us and related mobile and software applications (“Company Properties”) under these Terms and Conditions.

This Agreement constitutes a legally binding agreement between each individual who enrolls in any of the Programs (“Member”) or otherwise uses any one of the Company Properties. If you are a Member or use any of the Company Properties, YOU AGREE THAT YOU HAVE READ THIS AGREEMENT, UNDERSTAND IT, AND AGREE TO BE BOUND BY All OF ITS TERMS AND CONDITIONS.


1.1 Company may at its discretion modify, update, add to, discontinue, remove or otherwise change these Terms and Conditions at any time. Each such modification will take immediate effect upon notification to you. Company may provide you with notices, including those regarding changes to these Terms and Conditions, by email, regular mail, text message, in-app messaging, or other reasonable means now known or hereinafter developed.

1.2 Your continued use of the Company Property following any such notifications constitutes your acceptance of such modifications and your agreement to be bound by these Terms and Conditions. If you do not agree to any modification of these Terms and Conditions, your sole remedy is to discontinue your use of the Company Properties. The most current version of these Terms and Conditions will be available on our website and supersedes previous versions.


2.1 Our Programs are not available to and should not be accessed or used by residents of the European Economic Area ("EEA"). To become a Member, you must be at least 18 years old and provide your email address and password for Company to create your Program account (“Account”). Your Account will be tied to a CASH PROMISE ID, which allows you to access certain websites and services of other CASH PROMISE group companies using the same account credentials. Each person is limited to one Account. To redeem certain offers and promotions offered by our other Programs, you may elect to provide us additional information. Information that you submit through one of our Programs may be saved and available for your use in our other Programs, including, without limitation, any saved payment card information.


3.1 We would like an opportunity to address your concerns without a formal legal case. Before filing a claim against Company. Please be sure to select “CASH PROMISE Feedback” under Topics in your request. We will try to resolve the dispute informally by contacting you in writing via email. If a dispute is not resolved within 30 days of submission through this form, you or Company may bring a formal proceeding.


4.1 You and Company agree to arbitrate any and all disputes, claims, or controversies arising out of, in connection with, or relating to this Agreement, Company’s business, any of the Programs or the Company Properties, and relationship with you, including any claims that may arise after the termination of this Agreement. This agreement to arbitrate includes any claims against Company’s employees, agents or any subsidiaries of Company. Arbitration is a method of claim resolution that is less formal than a traditional court proceeding in state or federal court. It uses a neutral arbitrator instead of a judge or jury and the arbitrator’s decision is subject to limited review by courts.

4.2 All disputes concerning the arbitrability of a claim (including disputes about the scope, interpretation, breach, applicability, enforceability, revocability or validity of this Agreement) shall be decided by the arbitrator. The arbitrator shall also decide whether any claim is subject to arbitration. You further agree that the U.S. Federal Arbitration Act and federal arbitration law shall govern the interpretation and enforcement of this agreement to arbitrate.

4.3 CLASS ACTION WAIVER: YOU AND COMPANY ALSO AGREE THAT EACH IS GIVING UP THE RIGHT TO A JURY TRIAL AND THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITIES, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS ACTION LAWSUIT OR REPRESENTATIVE PROCEEDING, CONSOLIDATED ACTION, OR PRIVATE ATTORNEY GENERAL ACTION. This means that neither you nor Company can seek to assert class or representative claims against each other either in court or in arbitration and no relief can be awarded on a class or representative basis. The arbitrator also may not consolidate or join another person’s claim with your claim or issue an order that would achieve the same result. You and the Company further agree that if the provisions of this paragraph, known as the “Class Action Waiver,” are found to be unenforceable, it cannot be severed from this arbitration agreement and the entire provision compelling arbitration shall be null and void.


5.1 Subject to this Agreement, we hereby grant you a non-exclusive, non-transferable license (without the right to sublicense) to access and use the Company Properties for your personal use to access the Program(s). You agree that you obtain no rights other than the rights and licenses expressly granted in this Agreement. Company reserves the right to change, upgrade or discontinue the Program, any Company Property, and any feature of the Program or the Company Properties, at any time, with or without notice. All rights not expressly granted under this Agreement are reserved by Company or its licensors.


You agree that you will not, and will not permit others to: (i) damage, interfere with or unreasonably overload the Company Properties; (ii) introduce into the Company Properties any code intended to disrupt the Program; (iii) alter or delete any information, data, text, links, images, software, chat, communications and other content available through the Company Properties (collectively, “Content”); (iv) access the Program or the Company Properties by expert system, electronic agent, “bot” or other automated means; (v) use scripts or disguised redirects to derive financial benefit from Company; (vi) modify, reverse engineer, reverse assemble, decompile, copy or otherwise derive the source code of any Company Property for any reason; (vii) rent, sell or sublicense any of the Company Properties; (viii) provide any unauthorized third party with access to the Program; (ix) access or attempt to access confidential Content through the Company Properties; (x) interfere with the operation of the Program, including, but not limited to, distribution of unsolicited advertising or mail messages and propagation of computer worms and viruses; (xi) post any material in any form whatsoever on the Company Properties or within the Program that is defamatory, obscene or otherwise unlawful or violates any third party’s right of privacy or publicity; (xii) infringe any third party’s patent, copyright, service mark, trademark or other intellectual property right of any kind or misappropriate the trade secrets of any third party in connection with your use of the Program or the Company Properties; (xiii) engage in any activity that does not comply with applicable law and regulations or otherwise engage in any illegal, manipulative or misleading activity through the use of the Program; (xiv) use the manual or automated software, devices or other processes to "scrape," "crawl," "spider" or index any page of Content from the Company Properties.


7.1 REWARDS. We offer the ability for Members to earn REWARDS (“REWARDS”) on their purchases completed through the Company Properties. Company receives compensation for referring buyers to the retailers, brands, merchants and other partners participating in this Program (“Affiliate Stores”). Company gives a portion of this fee to its Members as REWARDS. Compensation received by Company may play a part in whether retailers and products appear on our site, where they are placed, and how we promote them to you. Participation in this Program and the opportunity to earn REWARDS are offered at the sole discretion of Company and subject to your compliance with this Agreement.

(a) Online REWARDS. In order to earn REWARDS online, you must register for an Account, be signed in to one of the Company Properties use the shopping links within the Company Properties, and complete your purchase transaction during the same shopping session you started after clicking on the shopping link. If you visit other sites before completing your purchase or use coupons not provided by Company, your purchase might be associated with a service other than Company and you might not earn REWARDS on your purchase. If you disable “cookies” on your computer, you will not be able to earn REWARDS because cookies are used to authenticate the user and verify whose Member Account is eligible for the REWARDS.

(b) In-Store REWARDS. Company may also offer you the opportunity to earn REWARDS on purchases made in store (“In-Store REWARDS”) at certain physical Affiliate Store locations. In order to be eligible for In-Store REWARDS, you must link your payment card to an “in-store” offer (“Card Linked Offer”) and subsequently using such payment card to complete the purchase transaction in accordance with the terms of the Card Linked Offer. The terms of the In-Store REWARDS Terms & Conditions and the terms accompanying each Card Linked Offer will govern how In-Store REWARDS is earned and paid to the extent they vary from this Agreement.

7.2 Browser Extension. Company may make available a browser extension to enhance your REWARDS shopping experience (“Browser Extension”). Your use of Browser Extension is subject to the CASH PROMISE REWARDS Button Privacy Notice and will govern to the extent they vary from this Agreement.

7.3 Gift Card Shop. Company may offer a gift card purchase site (“Gift Card Shop”) to allow you to purchase gift cards from participating retailers, merchants, and other partners (“Gift Card Issuers”). Company is not the gift card issuer or merchant of record for any gift card purchases made through the Gift Card Shop and Company shall not have any liability with respect to any gift cards you purchase through the Gift Card Shop. All gift card purchases made through Gift Card Shop are subject to applicable Gift Card Issuer policies, including, without limitation, applicable shipping, privacy, and return policies. Please review all applicable Gift Card Issuer policies and redemption instructions prior to making your purchase. Your use of Gift Card Shop is subject to the Gift Card Shop Terms of Sale and any other terms accompanying each gift card offer and will govern to the extent they vary from this Agreement. Gift card purchases are subject to daily limits, as determined by Company in its sole discretion.


8.1 REWARDS is earned on your net purchase amount, which excludes taxes, fees, shipping, gift-wrapping, discounts or credits, returns or cancellations, and extended warranties. Purchases of gift cards do not qualify for REWARDS. REWARDS amounts vary by store and product category and may contain exclusions in the terms of the offer and the applicable store page. Please review these terms carefully.


9.1 A product purchased from any Affiliate Store or any Seller, whether online or in store, is governed by and subject to the applicable Affiliate Store or Seller policies, including applicable exchange and shipping policies. You agree that we are not agents of any Affiliate Store or Seller and that the Affiliate Stores and Sellers operate independently and are not under our control. Accordingly, your participation in offers or promotions of, or correspondence with, any Affiliate Store or Seller is solely between you and that Affiliate Store or Seller. We do not assume any liability, obligation or responsibility for any part of such correspondence, offer or promotion, including, without limitation, the withdrawal or modification of any such offer or promotion. Company is not responsible for changes to, or discontinuance of, any Affiliate Store or Seller, or for any Affiliate Store or Seller withdrawal from the Program, or for any effect on accrual of REWARDS caused by such changes, discontinuance or withdrawal.


10.1 Company periodically offers bonuses or rewards for referring new Members to the Program or for other specific actions. Participation in our Refer-A-Friend Program is limited to members located in the 50 United States, D.C., or Canada and is subject to our Referral Program Terms. Both the referrer and the referee must be located in the 50 United States, D.C., or Canada in order to be eligible for a referral bonus or sign up bonus. The terms and conditions accompanying such offers will govern how they are earned and paid if the terms and conditions differ from this Agreement. All bonuses and rewards are subject to review. Company reserves the right to withhold, deny or cancel any bonuses and/or rewards and/or terminate your Account if Company, in its sole discretion, deems any bonuses and/or rewards as fraudulent, abusive, unethical, suspicious or otherwise inconsistent with our Referral Program Terms, this Agreement or any other applicable law or regulation. Company decisions are final.


11.1 Requirements. As a condition of payment of accrued REWARDS or other rewards, you must: (i) establish and maintain an Active Account (defined below); (ii) provide a valid email address that you own and are able to receive email; (iii) provide a password to protect your Account; and (iv) provide your physical address and your valid PayPal email address for receiving payment. If you elect to receive payment via PayPal, you must not use a PayPal account associated with another Program Account. A single PayPal email address cannot be connected to multiple Program Accounts. Additionally, you must not be a resident of a country subject to economic or trade sanctions by the U.S. State Department or U.S. Treasury Department’s Office of Foreign Assets Control (“OFAC”) or be listed as a “Specially Designated National,” a “Specially Designated Global Terrorist,” a “Blocked Person” or similar designation under the OFAC sanctions regime. You further agree to provide additional information we may reasonably request to verify your identity as a condition for receiving payment.

11.2 REWARDS Payments. The minimum payment amount for REWARDS and other REWARDS Program rewards is $50 USD . Balances below $50 USD remain in your Account for potential payment during the next payment period. Company pays members in U.S. dollars via PayPal or other payment options as Company may make available from time to time. Members may select or change their payment options in the account settings through the Company Properties. Company pays its Members accrued REWARDS and REWARDS Program related rewards in accordance with the current payment schedule. Please note that accrual rates vary depending on the Affiliate Store’s policies and reporting schedules. For example, REWARDS for travel-related purchases typically does not accrue until after travel has been completed. Company reserves the right to delay payment for any purchase based on changes to Affiliate Store policies at any time. Company also reserves the right to modify the payment schedule at any time. Company is not responsible for payments delivered to the wrong address through no fault of Company or for payment errors made by payment partners, like PayPal. If your check expires without being cashed or deposited, or if it is returned uncashed to Company, the payment amount will be returned to your Account, where it may be subject to inactive account maintenance charges described in Section 12.2 below, unless you take the proper steps to restore your Account to Active status.

11.3 Gift Cards. Periodically, Company may offer gift cards in connection with a promotion or as a redemption option for your REWARDS. Gift cards are subject to the terms and conditions of the gift card issuer and the applicable Affiliate Store policies. Company is not responsible for lost or stolen payments, including gift cards. Gift cards for sign up bonuses are issued in the form of physical gift card, require a United States address, and are only redeemable within the United States (excluding U.S. territories).

11.4 Donations. Company may offer you the opportunity to donate a portion or all of your REWARDS earnings to a charity. CASH PROMISE neither charges any fees for this service nor takes any percentage of the REWARDS earnings donated. Contributions made through CASH PROMISE are not tax-deductible.

11.5 Account Adjustments. In our sole discretion, we may deduct REWARDS from your account to make adjustments for returns and cancellations with respect to REWARDS Program purchases. Any such adjustments will be made in accordance with this Agreement, any applicable Company policies and terms, the terms of the Affiliate Store offer and any and all applicable laws, rules and regulations. The determination of whether a purchase made through an Affiliate Store qualifies for REWARDS is at the sole discretion of Company. If an Affiliate Store fails to report a transaction to Company or fails to make payment to Company for any reason, Company reserves the right to cancel the REWARDS associated with that transaction. It is your responsibility to check your Account regularly to ensure that REWARDS has been properly credited and paid and that your Account balance is accurate. If you believe that REWARDS has not been correctly credited to your account, you must contact Company Member Services within ninety (90) days of the transaction. In addition, Company may make account adjustments for any REWARDS that Company, in its sole discretion, deems as fraudulent, abusive, unethical, suspicious or otherwise inconsistent with the Referral Program Terms, this Agreement or any other applicable law or regulation. Company decisions are final. Should you disagree with any adjustments made to your account or payments made to you, your sole remedy is to withdraw from the Program.

11.6 Taxes. You may be taxed on your receipt of bonuses and other consideration (merchandise, travel, etc.) for member referrals or other promotional activities (such as prizes from a sweepstakes) depending on the tax laws of federal, state and local jurisdictions. You will be solely responsible for any and all tax liability arising out of the consideration received in connection with any member referrals or promotional activities.


12.1 Updating Your Account. You agree to keep your Account information current, complete and accurate by periodically updating the information through the Company Properties. You must be logged into Company and enter your password to change your Account information and payment preferences. You may check your Account status and recent purchase and/or earning history at any time via the Company Properties. You will maintain the confidentiality of your Account information, including username and password by which you access the Program. Any use of your username and password will be deemed to be your use, and Company is entitled to act on instructions received under your password and is not responsible for any credits or debits made to your account by someone else who uses your password. If there is a breach of security through your Account, you will immediately change your password and notify us of such breach. You agree that, unless you have first notified us immediately of any such breach, we should assume that any instruction transmitted using your username and password is yours and has been authorized by you, and we will have no obligation to inquire into the propriety of such instruction.

12.3 Fraudulent Activity. We reserve the right to investigate any purchase transactions, referral activity, or interaction with any Company Property that we believe, in our sole discretion, is abusing or has abused the Program. We reserve the right to rescind any REWARDS, bar further REWARDS awards and/or bonuses, and/or terminate any Member Account that we believe, in our sole discretion, is abusing or has abused the Program, including, without limitation, by engaging in a pattern of returning products after the corresponding REWARDS has been credited or making fraudulent referrals by creating multiple Accounts. Multiple Accounts created under the Refer-A-Friend Program with the same name, address, email address or other identifying feature may be flagged as fraudulent referrals. Any failure to comply with this Agreement, any fraud or abuse relating to the accrual or receipt of REWARDS or other rewards and bonuses, or any misrepresentation of any information furnished to Company by you or anyone acting on your behalf may result in the termination of your Account and forfeiture of any accrued REWARDSrewards. If Company has any reason to suspect fraudulent activity is associated with your Account, Company reserves the right to delay or withhold payment of REWARDS. Any suspected or actual cases of fraud activity will be escalated and reviewed in accordance with our fraud process. Company decisions are final.


13.1 By signing up to be a Member, you agree to receive communications and notices by electronic mail OR watsapp Our communications may be account- and membership-related (e.g., that we’ve added money to your account, that a purchase has been made, that we are mailing you a check on a certain date, etc.) as well as periodic shopping-related emails that highlight coupons and special deals available to Company Members. We may communicate with you regarding the Program by electronic mail or direct mail using information you provide to us. Your consent to receive electronic communications includes any notices or other information that we may be required by law to provide you in writing or otherwise. You agree to keep us apprised of your current email address should the same change after the date you become a Member. We may also send you push notifications if you install the mobile application. If you elect to provide us a mobile number, we may use it to contact you when you make account updates or for account recovery purposes. You may receive recurring messages from us during those account changes. Standard message rates apply, and carriers are not responsible for any delayed or undelivered messages. You may opt out of receiving certain communications in accordance with our Privacy Policy.


14.1 Company may make available software applications (“Company Applications”) to allow you to access our Programs without visiting www.CASH PROMISE.com. For purposes of this Agreement, references to Company Properties shall include Company Applications. Company Applications and their underlying information and technology may not be exported or re-exported into any country to which the U.S. has embargoed goods or to anyone on the U.S. Treasury Department’s list of Specially Designated Nationals or the U.S. Commerce Department’s Table of Deny Orders. You represent and warrant that you are not located in, under the control of or a national or resident of any such country or on any such list, and that you will otherwise comply with all applicable export control laws. If you are a U.S. government end user, we are licensing the Company Application to you as a “Commercial Item” as that term is defined in the U.S. Code of Federal Regulations (see 48 C.F.R. § 2.101), and the rights we grant you to the Company Applications are the same as the rights we grant to all others under this Agreement.


15.1 Social Sign On. When you access or use the Company Properties, we may make available services from one or more third parties (“Third-Party Platforms”). The Company Properties support Third-Party Platforms, including Facebook, Google and CASH PROMISE ID, to make it easier for you to sign in or create your Account. Any use of Third-Party Platforms to create and access your Account is subject to the terms and conditions and privacy policies of such third parties (“Third-Party Terms”). Your CASH PROMISE ID is subject to the CASH PROMISE Terms and Conditions and Privacy Policy.

15.2 Inbox Connections. If you create your Program Account or sign in to your Program Account with your Google email account credentials, your Google email account will automatically be linked to your Program Account. We may also offer you the ability to link your email account from other service providers to your Program Account via your Program Account settings. You may disconnect your linked email accounts at any time by updating the Settings in your Program Account settings or by removing the authorization through the settings of your email account. A connection between your email account and your Program Account is not required for you to be a Member. Connecting your email account will permit us to access your email account content (“Email Content”). Company will not delete or modify your email content. We may use your Email Content to confirm your REWARDS faster and more reliably and to personalize your experience with the Program. To learn more about how we use your Email Content, please see our Privacy Policy.


16.1 You may be invited to provide us feedback, comments, ideas, suggestions, reviews and other information about our Programs (“Feedback”) through the Company Properties, by our member services or through one of our service providers, like Trustpilot. You hereby grant to Company and its affiliates and agents a nonexclusive, royalty-free, perpetual, irrevocable and fully sublicensable right to use, reproduce, modify, adapt, publish, perform, translate, create derivative works from, distribute and display the Feedback in any media and for any legal purpose, including, without limitation, the right to use such Feedback in advertising and promotional materials and to enhance or improve our products and services and the products and services of its affiliates.


17.1 By participating in the Program, you are becoming a Member of a community that depends on the goodwill and responsible behavior of each of our Members. Members are required to refrain from transmission or communication of images or text constituting ethnic slurs, obscenities, sexually explicit material, inflammatory or derogatory comments, or anything else that may be construed as harassing or offensive, which is targeted at the Program, the Company Properties, our employees, contractors or agents, our Affiliate Stores or Sellers, or other Members. This includes communications by means of social media or other Internet posts that violate the above community standards or promote or encourage gaming or fraudulent behavior. Members who violate this provision, as determined by us in our sole discretion, may have their access to the Program suspended or terminated without prior notice.


18.1 All right, title and interest in the Program, the Company Properties and the Content belong to Company or its licensors. Additionally, Company shall maintain all right, title and interest in the “CASH PROMISE” mark, the “PROMISE PAY” mark, the CASH PROMISE logo, the PROMISE PAY logo and any other marks, service marks, trademarks or logos of Company and its affiliates (“Company Marks”). The Company Marks may not be used in connection with any product or service that is not Company’s or in any manner that is likely to cause confusion among customers, or in any manner that disparages or discredits Company. You shall not by any means bid on any keywords with any search engine containing “CASH PROMISE,” “PROMISE PAY” or anything substantially similar to “CASH PROMISE,” “PROMISE PAY,” “Buy.com” or any other Company Mark including, without limitation, CASH PROMISE.com, CASH PROMISE.ca, PROMISE PAY.com, Buy.com, BFAds.net or PROMISE PAY.ca. You shall not mention or use Company in any ad text, extensions or banner ads without the express written consent of Company. All other trademarks not owned by Company that are used in the Programs are the property of their respective owners, who may or may not be affiliated with, connected to or sponsored by Company.


19.1 You agree to indemnify Company, our Affiliate Stores, our Sellers, as well as their respective officers, directors, employees, successors, agents and affiliates, for any and all claims, damages, losses and causes of action (including attorneys’ fees and court costs) arising out of or relating to your breach of this Agreement or for any materials in any form whatsoever that are provided by you (or through your username and/or password). You agree to cooperate as fully as reasonably required in our defense and/or settlement of any claim. We reserve the right, in our reasonable discretion, to assume exclusive control over the defense and settlement of any matter subject to indemnification by you.


20.1 The program, content and the company properties are provided “as-is” and without warranty of any kind, express or implied, including, without limitation, warranties of title, merchantability, fitness for a particular purpose or non-infringement. We make no warranty as to the quality, accuracy, completeness, completeness, reliability or validity of the programs, content or the company properties, including, without limitation, any product search results, product descriptions, product availability, pricing information advice, opinion, statement, recommendations, reviews or other information displayed, uploaded or distributed in connection with any program. Company does not warrant that the functionality of the company properties will be uninterrupted or error-free, that defects will be corrected, or that they will be free of viruses or other harmful components. Further, company does not warrant, guarantee or make any representations regarding the quality or accuracy of advertisements for any products or services offered or provided by its affiliate stores or sellers in conjunction with the programs.


21.1 To the maximum extent permitted by applicable law, in no event shall company be liable for any special, incidental, consequential, statutory, exemplary, punitive or other indirect damages or for any loss profits, loss data or loss of use damages, even if it has been advised of the possibility of such damages. To the maximum extent permitted by applicable law, you agree that the company’s maximum aggregate liability arising out of this agreement will not exceed fifty u.s. dollars ($50) or the maximum rewards amount you received in the last four years from the date of acceptance of these terms, whichever is greater. This limitation shall apply to any and all liabilities or causes of action however alleged or arising, including, but not limited to, negligence, breach of contract, or any other claim whether in tort, contract, OR EQUITY.


22.1 This Agreement is effective when accepted by you and will remain in effect until you or we terminate your membership in the Program. We may terminate this Agreement and your use of or access to the Program at any time, for any reason or no reason. Any violation of this Agreement or the rules and conditions of the Program may result in the termination of your Account and forfeiture of pending or prior REWARDS and other rewards. We may, in our sole discretion, at any time and without prior notice, discontinue, cancel, suspend, change or limit access to all or any part of the Program or any functionality, feature or other component of any Company Property. You agree that Company will not be liable to you or to any third party for any modification, suspension, or termination of the Program or your access to any of the Company Properties. If you are dissatisfied with any aspect of the Program at any time, your sole and exclusive remedy is to cease participating in the Program. Upon any termination of the Program, your right to use and access the Program, and the Company Properties, and to receive REWARDS and other rewards, will terminate. Termination will not prejudice either you or our remedies at law or in equity.


23.1 Entire Agreement. These Terms and Conditions constitute the entire agreement between you and Company and govern your use of the Products or Company Properties superseding any prior agreements between you and Company with respect to the Products or Company Properties (including, without limitation, earlier versions of this Agreement that may have been accepted by you). Any representations, statements or agreements made or entered into elsewhere, whether directly or indirectly, written or oral or in advertising are not binding toward Company unless expressly confirmed in writing by Company to you. You may also be subject to additional terms and conditions that may apply when you use or purchase certain other services, affiliate services, third party content or third party software.

23.2 Choice of Law. The validity, construction and interpretation of this Agreement and the relationship between You and Company, including the rights and duties of the parties, will be governed by the laws of the State of California in the United States without regard to its conflict of law provisions. This shall not limit the protection afforded to you by provisions that cannot be derogated from by agreement by virtue of applicable law.