Terms of Service

These Terms of Service (“Terms”) govern your use of the GiftCardsForCash.ca website and services (the “Service”), operated by Canadian Gift Card Network (“GiftCardsForCash.ca”, “GCFC”, “we”, “us”, or “our”).

By using the Service, checking any required acknowledgement, and submitting a gift card, you agree to these Terms and our Privacy Policy. If you do not agree, do not submit a gift card.

Contents

1. Eligibility
2. Service overview
3. Estimates and route eligibility
4. Verification and approval
5. Identity verification
6. Seller obligations
7. Fast Cash and Enhanced Fast Cash
8. Higher Payout
9. Payouts
10. Cancellation, expiry, and failed transactions
11. Balance impairment, fraud, and recovery
12. Prohibited activity
13. Pricing
14. Third-party brands
15. Service availability
16. Liability
17. Indemnity
18. Privacy
19. Taxes and records
20. Changes to these Terms
21. Governing law
22. General terms
23. Contact

1) Eligibility

To use the Service, you represent and agree that:

• you are the lawful owner of each gift card you submit, or you have full legal authority to transfer it;
• the gift card was lawfully obtained and is not stolen, counterfeit, fraudulently acquired, subject to an ownership dispute, or otherwise unauthorized;
• you are the age of majority in your province or territory;
• you are legally capable of entering into these Terms;
• the information you provide is complete, current, and accurate;
• you will provide a valid email address and a valid Interac e-Transfer payout email capable of receiving the payment;
• you will complete any required seller identity verification and provide any additional proof reasonably requested to verify the transaction.

2) Service overview

The Service allows eligible Canadian sellers to submit supported gift cards for verification and possible cashout. GCFC may use automated systems, AI-assisted review, merchant balance-check tools, identity-verification services, internal risk checks, and manual review to determine whether a submission can proceed.

Submitting a gift card creates a submission; it does not create a guaranteed purchase, sale, payment obligation, or approval. The submission remains subject to the applicable verification and transaction steps described in these Terms.

3) Estimates and route eligibility

The website may display an estimated payout and an available cashout route based on the brand, submitted balance, card type, current eligibility rules, and other information available at the time.

• An estimate is not a guaranteed payout.
• The final processing route may change if the verified balance, brand, card format, proof, identity result, risk information, or other material submission details differ from what was submitted.
• Unsupported cards or cards that do not meet the current route requirements may be declined.
• Eligibility rules, supported brands, estimates, and cashout amounts may change over time.

4) Verification and approval

GCFC verifies the seller and the submitted gift card before approval. Required checks may include:

• seller identity verification;
• gift-card brand and format verification;
• card number, redemption code, PIN, or identifier checks;
• current balance and balance-proof verification;
• proof-of-ownership or proof-quality checks;
• duplicate, inconsistency, fraud, device, transaction, or other risk checks;
• manual review where automated evidence is insufficient or inconsistent.

We may ask you to resubmit an image, provide updated balance evidence, correct card details, repeat identity verification, or provide other reasonable information before a decision can be made.

A card may be declined or held for further verification if it is unsupported, verification cannot be completed, information is inconsistent, required proof is missing, the balance cannot be confirmed, there are reasonable fraud or ownership concerns, or proceeding would create legal, security, or operational risk.

5) Identity verification

Seller identity verification is required before payout and is currently provided through Didit. You authorize GCFC and its identity-verification provider to process the information reasonably required to verify identity, liveness, document authenticity, fraud signals, and related verification results.

Identity information is handled in accordance with our Privacy Policy and the applicable provider terms and privacy notices. A failed, incomplete, expired, abandoned, or declined identity-verification session may prevent the submission from being approved until the required verification is successfully completed.

6) Seller obligations after submission

Once you submit a gift card, you must preserve the submitted balance while GCFC processes the transaction. Until GCFC confirms that the transaction is declined, cancelled, expired, closed, or otherwise released back to you, you agree that you will not:

• redeem or spend any portion of the gift card;
• sell, gift, transfer, exchange, or otherwise dispose of the gift card or its credentials;
• change, replace, disable, lock, or intentionally impair the card;
• share the redemption code, PIN, barcode, card number, or other access credentials with another person;
• make a second sale or cashout attempt involving the same balance;
• take any action that causes the verified balance to become unavailable.

You must tell us promptly if the card balance changes, the issuer replaces or cancels the card, you discover an error in your submission, or you believe the card or its credentials have been compromised.

7) Fast Cash and Enhanced Fast Cash

Fast Cash is available only for supported brands and card values that meet the current Fast Cash eligibility rules. The website displays current eligibility before submission.

Eligible Fast Cash sellers may be able to submit multiple qualifying cards together under Enhanced Fast Cash. The current system supports up to four cards in one eligible multi-card submission. Every card in the group must satisfy the applicable Fast Cash requirements. Fast Cash and Higher Payout cards cannot be combined in the same multi-card submission.

After all required seller, identity, card, and balance checks pass, an approved Fast Cash submission may move toward Interac e-Transfer payout. Payout may be sent in as little as 24 hours after approval, but this is a service target and is not a guaranteed deadline.

8) Higher Payout

A qualifying Higher Payout gift card is subject to the same required seller, identity, gift-card, balance, and risk verification before approval.

Once approved, a Higher Payout card may be made available for sale through GCFC’s buyer network for up to 72 hours. By submitting a card through the Higher Payout route, you authorize GCFC to make the approved card available for sale and, after a valid completed sale, to provide the purchaser or fulfillment process with the gift-card redemption information reasonably necessary to deliver the purchased card.

If the card does not sell within the applicable sale window, the transaction may expire or close. GCFC may require you to resubmit or reconfirm the card, current balance, or other information before another sale attempt.

9) Payouts

• Payouts are generally issued in Canadian dollars by Interac e-Transfer to the payout email you provide and confirm.
• You are responsible for ensuring that your payout email is correct, active, and able to receive an Interac e-Transfer.
• Displayed timing is an estimate or service target, not a guarantee. Verification, banking availability, security review, technical issues, holidays, operational volume, or other circumstances may affect timing.
• We may pause or withhold a payout while a reasonable fraud, ownership, balance, security, legal, or transaction-integrity concern is investigated.
• A Higher Payout submission is payable only after a completed sale and any required final verification.

10) Cancellation, expiry, and failed transactions

If you want to cancel a submission, contact support as soon as possible and include your GCFC reference number. We will attempt to stop processing where reasonably possible.

Cancellation is not guaranteed once payout processing has begun or, for a Higher Payout card, once a buyer transaction has completed or card fulfillment has occurred.

A submission may also be closed, declined, or expired if verification is not completed, requested information is not provided, the card becomes unsupported, the balance cannot be confirmed, a Higher Payout sale window ends without a sale, or the transaction cannot reasonably proceed.

11) Balance impairment, fraud, and recovery

If, after submission, approval, sale, or payout, the gift-card balance is spent, reduced, transferred, reversed, invalidated, revoked, unavailable, or otherwise impaired because of your act, omission, misrepresentation, unauthorized submission, or breach of these Terms, GCFC may, to the extent permitted by law:

• decline or cancel the transaction;
• withhold a payout that has not yet been sent;
• cancel a pending transfer where technically possible;
• request repayment of amounts already paid;
• set off amounts lawfully owing against amounts otherwise payable to you;
• suspend or restrict your future use of the Service;
• preserve relevant records and cooperate with card issuers, payment providers, law enforcement, regulators, or affected parties where reasonably necessary and legally permitted;
• pursue other lawful recovery or enforcement remedies.

Nothing in this section permits GCFC to remove or limit any right or remedy that cannot lawfully be waived.

12) Prohibited activity

You must not use the Service to:

• submit a gift card you do not own or are not authorized to transfer;
• submit a stolen, counterfeit, fraudulently acquired, altered, compromised, or unlawfully obtained card;
• provide false, misleading, manipulated, forged, or materially incomplete information or proof;
• redeem, spend, sell, transfer, or impair a card while it is being processed by GCFC;
• attempt duplicate cashouts or multiple sales of the same card balance;
• circumvent identity, balance, fraud, security, or technical controls;
• use another person’s identity without lawful authority;
• interfere with, overload, scrape, reverse-engineer, attack, or misuse the Service;
• use the Service for fraud, money laundering, sanctions evasion, theft, or any other unlawful activity.

13) Pricing and payout calculations

Estimated payouts vary by brand, current card balance, route, number of eligible cards, demand, transaction conditions, and other operational factors.

The estimate shown before submission is based on the information available at that time. If verification establishes a different balance or materially different card information, the transaction may be recalculated, rerouted, held for review, or declined.

GCFC will not represent an estimated payout as guaranteed where additional verification or, for Higher Payout, a completed sale is still required.

14) Third-party gift-card brands and issuers

GiftCardsForCash.ca and Canadian Gift Card Network are independent from the third-party merchants, gift-card brands, and issuers identified on the Service unless we expressly state otherwise. Brand names, logos, and trademarks are used to identify supported cards and remain the property of their respective owners.

We do not control a card issuer’s systems, outages, terms, balance-check tools, account restrictions, cancellations, replacements, expiration rules where lawful, fraud decisions, or other issuer actions.

15) Service availability and changes

We may add, remove, pause, or modify supported brands, route eligibility, verification requirements, service features, sale windows, or payout methods as the Service evolves.

We may temporarily suspend part of the Service for maintenance, security, fraud prevention, provider outages, legal requirements, or other operational reasons. We do not guarantee uninterrupted or error-free availability.

16) Disclaimer and limitation of liability

The Service is provided on an “as is” and “as available” basis, subject to rights and warranties that cannot lawfully be excluded. We do not guarantee that every card will be supported, approved, sold, or paid within a particular period.

To the maximum extent permitted by applicable law, Canadian Gift Card Network will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages arising from use of the Service.

To the maximum extent permitted by law, our aggregate liability arising from a specific GCFC transaction will not exceed the amount actually paid or payable by GCFC for that transaction.

Nothing in these Terms limits liability or statutory rights that cannot lawfully be excluded, waived, or limited.

17) Indemnity

To the extent permitted by law, you agree to indemnify and hold Canadian Gift Card Network harmless from third-party claims, losses, liabilities, damages, and reasonable costs arising directly from:

• your submission of a card you did not lawfully own or have authority to transfer;
• fraudulent or materially false information you knowingly provide;
• your intentional impairment, double sale, or unauthorized use of a submitted gift-card balance;
• your material breach of these Terms or applicable law.

18) Privacy

Our collection, use, disclosure, retention, and protection of personal information is governed by our Privacy Policy. The Privacy Policy includes information about Didit identity verification, automated and AI-assisted verification, cross-border processing, retention, and your privacy rights.

19) Taxes and records

You are responsible for determining and reporting any personal tax consequences arising from your sale or cashout of gift cards. GCFC does not provide tax advice.

Canadian Gift Card Network may retain transaction, accounting, payout, audit, and related records for the periods required by Canadian law and as described in our Privacy Policy.

20) Changes to these Terms

We may update these Terms to reflect changes to the Service, law, verification requirements, payment methods, or business operations. Updated Terms will be posted with a revised effective date.

Unless required by law or necessary to address fraud, security, or a material operational issue, a transaction already submitted will generally be governed by the version of the Terms applicable when that submission was made. Material changes affecting future use of the Service apply prospectively after they are posted or otherwise communicated where required.

21) Governing law and venue

These Terms are governed by the laws of the Province of British Columbia and the federal laws of Canada applicable therein, without regard to conflict-of-law rules.

Subject to any mandatory rights or venue rules that apply under law, disputes arising from these Terms or the Service will be brought in the courts of British Columbia, Canada.

22) General terms

• Electronic agreement: You agree that electronic records, acknowledgements, submissions, and communications may be used in connection with the Service to the extent permitted by law.
• Severability: If a provision of these Terms is found unenforceable, the remaining provisions continue in effect to the extent permitted by law.
• No waiver: A failure to enforce a provision on one occasion does not waive the right to enforce it later.
• Assignment: You may not transfer your rights or obligations under a transaction to another person without our consent. We may assign these Terms in connection with a legitimate business reorganization, financing, sale, or transfer, subject to applicable law.
• Entire agreement: These Terms, together with the Privacy Policy and transaction-specific information displayed through the Service, form the agreement governing your use of GCFC.

23) Contact

Canadian Gift Card Network
Operating: GiftCardsForCash.ca
British Columbia, Canada
Support: [email protected]

When contacting us about a submission, include your GCFC reference number if available. Do not email full gift-card codes, PINs, identity-document images, or other sensitive verification information unless we specifically instruct you to use an approved secure method.