Express Card Cardholder Terms and Agreement · Version 1.0 · Last updated October 11, 2026
Please read this entire agreement carefully. It is a legally binding contract between you and Express Card. It limits our liability, prohibits sharing your card, and explains what happens if the rules are broken, including cancellation of your card without a refund.
1. Who we are and acceptance of these Terms
"Express Card", "we", "us" and "our" mean the Express Card service available at expresscard.cc, operated by RDN LLC. "You" means the individual who purchases or uses an Express Card membership (the "Cardholder"). By scrolling to the end of this agreement, ticking the acceptance box and clicking "Agree and continue", you confirm that you have read, understood and accepted these Terms, and that you are at least 18 years old (or the age of legal majority where you live) and able to enter into a binding contract. If you do not agree, do not buy or use the card.
2. What the Express Card is, and what it is not
The Express Card is an annual membership that gives you a personal digital card with a QR code. At participating local businesses (the "Businesses"), the QR code entitles you to the discount or offer that the Business has published in the Express Card directory (the "Offer").
Express Card is a directory and marketing platform only. We do not sell, provide or control the goods or services of any Business, we are not a party to any purchase you make from a Business, and we do not guarantee the quality, safety, legality, availability, pricing or suitability of anything a Business offers. Every Business is independent. Any dealings between you and a Business are solely between you and that Business.
3. Membership fee and term
The membership fee is the price shown at checkout (currently USD 25 per year, plus any applicable taxes). Your membership lasts twelve (12) months from the date it is activated, then ends unless you choose to renew it. Payments are processed by a third-party payment provider; we do not store your full payment card number. We may change the price for future membership years by giving you notice before you renew. Membership is not automatically renewed unless you expressly choose that option when it is offered to you.
4. How to use your card
- Show your live QR code on your own device before your bill is totalled or paid. The Business scans it to confirm that your membership is active.
- Your QR code changes automatically every minute. Screenshots, screen recordings, photographs, printouts, forwarded images and any other copy of a QR code will not be accepted and are a violation of these Terms.
- The discount is the one stated in the Business's listing (for example, a percentage off, or buy one get one free), together with any scope or exclusions shown in that listing. Discounts cannot be applied after payment has been completed, cannot be combined with other offers unless the listing says so, and have no cash value.
- A Business may ask to see photo identification that matches the name on your card. If the details do not match, the Business may refuse the discount.
- Be courteous. Staff of Businesses are not employees of Express Card, and abusive behaviour toward them may result in suspension or cancellation of your card.
5. Your card is strictly personal and must never be shared
Your Express Card and its QR code are issued to you and only you. They are not transferable, not for resale and not to be lent, shared, posted, copied, sold or given to anyone, whether for payment or free, including to friends, relatives, colleagues or on social media, messaging groups or websites.
Only you may present your QR code, and the discount may be used only for purchases made by you or by the people dining or shopping with you at the same time. One membership belongs to one person. You are responsible for everything that happens under your card, and you must keep your login details and your device secure. If you believe your card has been used by someone else or your account has been compromised, tell us immediately at the support address in Section 20.
6. Prohibited conduct
You agree that you will not, and will not help or permit anyone else to:
- share, lend, sell, rent, copy, photograph, screenshot, record, post or distribute your QR code or membership, or use another person's card;
- create more than one account or membership for yourself, or use false, misleading or another person's identity or details;
- use any software, script, bot, emulator, modified app or other method to generate, intercept, replay, predict or alter QR codes or to bypass the one-minute rotation or any other security feature;
- present a QR code that is not yours, or claim a discount you are not entitled to, or claim a discount more than once for the same purchase;
- misrepresent a purchase, split or alter a bill, or otherwise manipulate a transaction to obtain a larger discount than the Offer allows;
- make false, exaggerated or bad-faith complaints about a Business, or threaten, harass or abuse Business staff or Express Card staff;
- attempt to access, probe, disrupt, reverse-engineer or overload the Express Card website, systems or data, or access another person's account;
- use the card for any unlawful purpose, or resell or commercialise access to Express Card or its directory (including scraping or copying listings); or
- otherwise act in a way that is dishonest, deceptive or intended to cheat the system, the Businesses or Express Card.
7. Monitoring and investigation
To protect Businesses, honest Cardholders and the integrity of the service, we record and analyse card activity, including the time and place of scans, the Business, device and connection information, and the amounts entered at the point of sale. We use automated and manual checks to detect sharing, duplicate use, abnormal patterns and other abuse. If we suspect a violation, we may, without notice, temporarily suspend your card, decline scans, ask you for identification or an explanation, and share relevant information with the affected Business and, where required or permitted by law, with law enforcement and regulators.
8. Enforcement: warnings, suspension, cancellation and no refund
- Warning. For violations that we judge to be less serious, we will usually send a warning by email to your registered address. Warnings are recorded on your account.
- Immediate action. For serious violations, including sharing or selling your QR code, using another person's card, fraud, circumventing security, or abuse of staff, we may suspend or permanently cancel your card immediately and without warning.
- Cancellation. If you repeat a violation after a warning, or we determine that you have committed a serious violation, we may permanently cancel your membership and block you from buying or renewing a card in the future.
- No refund. If your membership is suspended or cancelled because of a violation of these Terms, you will not receive a refund of any fee, in whole or in part, and any remaining membership time is forfeited. This applies to the maximum extent permitted by law.
- Recovery. We may seek to recover from you the value of discounts obtained improperly, together with our reasonable investigation and legal costs, and may take any other action available to us in law.
- Review. If you believe an action was taken in error, you may write to the support address in Section 20 within fourteen (14) days. We will consider your message in good faith. Our decision after review is final, to the extent permitted by law.
9. Refunds and cancellation by you
Except as stated below, all membership fees are final and non-refundable, including where you do not use the card, lose access to your device, move away, or a Business changes its Offer, closes or leaves the program. You may stop using your card at any time, but you will not receive a refund for unused time. Nothing in this section removes any right to cancel or to a refund that the law of your country gives you and that cannot legally be waived (for example, a statutory cooling-off period for online purchases). Where such a right applies, we may deduct a fair amount for any discounts you have already used.
10. Offers can change; we do not guarantee any Business or discount
Businesses set their own Offers, and an Offer is normally fixed for that Business's membership year, but we do not promise that any particular Business will remain in the program, stay open, keep the same opening hours, have stock or availability, or honor an Offer in circumstances outside our control. Listings, photographs, descriptions and prices are provided by the Businesses, and we do not verify them. Any savings illustrations on our site, including the savings calculator, are examples only and are not a promise of savings.
11. If a Business does not honor your discount
If a Business refuses or reduces the discount that its listing promised, please report it through the "Report a problem" option or by email to the support address in Section 20, with the Business name, date and a short description. We will contact the Business and ask it to honor the discount. If the Business confirms that the discount applies, we will tell you that the owner has agreed to give it, and you may return to the Business to receive the discount as promised. Express Card's role is limited to relaying and following up on your report. We cannot force a Business to act, we do not guarantee any outcome, and we are not responsible for the conduct of any Business or for any loss arising from your dealings with it.
12. Your account and information
You must give accurate, current and complete information and keep it up to date. You are responsible for keeping your login credentials confidential and for all activity under your account. We may email you service messages about your membership, warnings, security and changes to these Terms.
13. Privacy and data
We collect the information you give us (such as your name, email address, country and city), payment confirmation details from our payment provider, and activity data created when you use your card (such as scan times, the Business, device and approximate location data, and amounts entered at the point of sale). We use it to run and secure the service, prevent fraud and abuse, provide support, meet legal obligations and improve Express Card. We share with a Business only what it needs to confirm your membership. We do not sell your personal data. We keep data for as long as needed for these purposes and as the law requires. Subject to applicable law, you may ask to access, correct or delete your personal data by contacting the support address in Section 20. Our Privacy Policy, when published, forms part of this agreement and describes these practices in more detail.
14. Licence and intellectual property
We grant you a limited, personal, non-exclusive, non-transferable, revocable licence to use the Express Card website and your card for your own personal, non-commercial use, in line with these Terms. The Express Card name, logo, website, software, content and directory are owned by us or our licensors, and all rights not expressly granted are reserved.
15. Disclaimers
To the fullest extent permitted by law, the service, the website, the card and all Offers are provided "as is" and "as available", without warranties of any kind, whether express or implied, including warranties of merchantability, fitness for a particular purpose, accuracy, availability and non-infringement. We do not warrant that the service will be uninterrupted or error-free, or that any discount will be available at any given time.
16. Limitation of liability
To the fullest extent permitted by law, Express Card, RDN LLC and their owners, directors, employees, contractors and affiliates will not be liable for any indirect, incidental, special, consequential, exemplary or punitive damages, or for loss of profits, savings, data, goodwill or opportunity, arising out of or relating to the service, the card, any Business, or any purchase or interaction with a Business, even if we were told it might happen. Our total aggregate liability to you for any claim relating to the service will not exceed the amount you paid us for your membership in the twelve (12) months before the claim arose. Nothing in these Terms excludes or limits liability that cannot be excluded or limited by law, including liability for fraud or for death or personal injury caused by our negligence where the law does not allow its exclusion.
17. Indemnity
You agree to defend, indemnify and hold harmless Express Card, RDN LLC and their owners, directors, employees, contractors and affiliates from any claim, loss, liability, damage, cost or expense (including reasonable legal fees) arising out of your breach of these Terms, your misuse of the card or service, your violation of any law or third-party right, or any dispute between you and a Business, to the extent permitted by law.
18. Changes to the service and to these Terms
We may change, suspend or discontinue any part of the service, and may update these Terms from time to time. If we make a material change, we will notify you by email or on the website. If you keep using your card after the change takes effect, you accept the updated Terms. If you do not accept a change, you must stop using the card, and no refund will be due for the remaining time except where the law requires.
19. Governing law and disputes
These Terms are governed by the laws of [governing jurisdiction to be confirmed by Express Card before launch], without regard to its conflict-of-law rules. Before starting any formal proceeding, you agree to contact us and try in good faith to resolve the matter informally for at least thirty (30) days. Subject to any mandatory consumer rights you have, any dispute that is not resolved will be brought in the courts of that jurisdiction, and you and Express Card consent to their jurisdiction. To the extent the law allows, claims must be brought on an individual basis and not as part of a class or representative action, and must be started within one (1) year after the claim arose.
20. General and contact
These Terms (together with the Privacy Policy and any rules shown at checkout) are the entire agreement between you and Express Card about the card and replace any earlier understanding. If any part is found unenforceable, the rest remains in effect. Our failure to enforce a right is not a waiver of it. You may not assign these Terms; we may assign them to a successor or affiliate. We are not responsible for delay or failure caused by events beyond our reasonable control. This agreement is written in English, and the English version prevails over any translation, which is provided only for convenience. Questions, reports and requests: support@expresscard.cc.
End of the Cardholder Terms and Agreement.
Express Card Business Terms and Agreement · Version 1.0 · Last updated October 11, 2026
Please read this entire agreement carefully. It is a legally binding contract between your business and Express Card. By joining, you promise to honor the discount you publish for every Cardholder. Complaints are tracked, and a business that receives more than two substantiated complaints will be permanently banned without a refund.
1. Parties, authority and acceptance
"Express Card", "we", "us" and "our" mean the Express Card service at expresscard.cc, operated by RDN LLC. "Business", "you" and "your" mean the business, and the individual signing up on its behalf. By scrolling to the end of this agreement, ticking the acceptance box and clicking "Agree and continue", you confirm that you have read and accepted these Terms, that you are at least 18 years old, and that you are authorized to bind the Business to this agreement. The individual signing is personally responsible if they lack that authority.
2. The program and our role
Express Card operates an online directory and annual membership program in which consumers ("Cardholders") buy a personal digital card with a QR code and receive the discount that each participating Business publishes. Your listing appears in the directory, may be eligible for fair-turn rotation in the Featured section, and gives you access to the QR validation scanner and your business panel.
Express Card is a marketing and directory platform only. We are not your agent, partner, franchisor, employer or joint venturer. We are not a party to any sale between you and a Cardholder. We do not guarantee any number of customers, visits, sales or revenue, and we make no promise about a listing's ranking, placement or traffic. You are an independent business responsible for your own goods, services, staff, pricing, taxes and customer relationships.
3. Fees
- Listing fee. The business listing fee is USD 109 per year. As a first-year special, the first year is USD 10.90 (a 90% discount). From the second year, the fee returns to USD 109 per year (or the then-current price, which we will tell you before you renew). Taxes may apply.
- Optional services. Optional paid placements, such as the sponsor banner, are available at the prices shown when you order them and are governed by these Terms.
- Payment and renewal. Fees are paid in advance through our payment provider. A membership year renews only when the renewal fee is paid.
- Non-refundable. All fees are non-refundable, including if you close, are suspended, or are banned, except where the law requires otherwise.
4. Your Offer: the discount you publish is a binding promise
When you register you choose one Offer (a percentage off from 10% to 50%, or buy one get one free), and what it covers (the whole bill, or only specified departments or items). After approval, your Offer is locked for the membership year so that Cardholders always receive what the directory promised. You may not reduce, withdraw or add conditions to the Offer during the membership year. You may improve it only with our written approval.
You agree to give every Cardholder who presents a valid, live Express Card QR code the full Offer shown in your listing, at every location listed, every time, for every qualifying purchase.
In particular, you will not: refuse the Offer or a Cardholder; give a smaller discount than published; impose a minimum spend, time limit, day or table restriction, or any exclusion that is not stated in your listing; charge a surcharge, service fee or higher price to Cardholders; raise prices to offset the discount; give Cardholders a lower quality of service, a worse table or a longer wait than other customers; require another purchase as a condition; or require the Cardholder to pay first and claim the discount later. Unless your listing says otherwise, the discount is calculated on the qualifying amount before tax and gratuity.
5. Verifying Cardholders and entering invoice amounts
- Scan the Cardholder's QR code with the Express Card scanner before the bill is finalized. QR codes rotate every minute: accept only a live code. Do not accept screenshots, photographs, recordings or printouts.
- If the scan shows that a card is invalid, expired, suspended or not matched, do not give the discount, and tell us promptly if you suspect misuse. You may ask a Cardholder for photo identification that matches the card.
- Where the scanner asks for the qualifying amount, you must enter it honestly and accurately. Entering false, inflated or invented amounts, or scanning cards when no purchase is made, is a serious breach.
- You may not store, copy, photograph or share Cardholder QR codes or Cardholder information, and may use Cardholder information only to apply the Offer and complete the transaction, never for marketing or any other purpose without the Cardholder's separate consent.
6. Complaints, warnings and permanent ban
A "Substantiated Complaint" is a report from a Cardholder or other source which, after we contact you and review the information in good faith, we reasonably determine shows that you refused, reduced or conditioned the Offer, discriminated against a Cardholder, or otherwise breached these Terms.
- First Substantiated Complaint: we will send a warning email to your registered address.
- Second Substantiated Complaint: we will send a final warning email.
- More than two (a third Substantiated Complaint): your membership will be terminated and the Business will be permanently banned from Express Card.
- Serious breaches (for example fraud, false scan or invoice entries, abuse or threats toward Cardholders or our staff, illegal conduct, or deliberately refusing the Offer) may result in suspension or permanent ban immediately, without prior warning.
A ban means: your listing is removed, your scanner and panel are deactivated, and you and any owner, operator, related business or address connected to you may be refused re-registration. No refund of any fee will be given to a Business that is banned or terminated for violations, and any remaining time is forfeited, to the maximum extent permitted by law. Warnings are sent to the email address on your account. You are responsible for keeping it current and monitored, and a warning is effective even if you do not read it. We may, in our discretion, decide not to count a complaint that you resolve promptly and fully under Section 7, but we are not obliged to do so.
7. If a Cardholder was denied the discount: you must honor it
If a Cardholder reports that you refused or reduced the Offer, we will contact the owner or registered contact of the Business. You agree to respond within two (2) business days. If you confirm that the Cardholder is entitled to the Offer, then:
- we will tell the Cardholder that we spoke with the owner of the Business, and that the owner agreed to give the discount, and the Cardholder may go back to the Business to receive it;
- when the Cardholder returns, you and your staff must give the discount on that visit without argument, delay, conditions or embarrassment. Where the original purchase has already been paid, you must refund or credit the discount amount that the Cardholder should have received on it, on the terms of the Offer as they stood on the date of the original visit; and
- you must make sure that all staff and managers at every location know this obligation.
If you fail to respond, dispute a valid Offer, or refuse again, we may treat the matter as a Substantiated Complaint and may share the outcome with the Cardholder.
8. Your responsibilities
- Accuracy. The information in your listing (name, address, phone, hours, category, description, photographs and Offer) must be true, current and not misleading. Tell us promptly about changes, including closure, relocation or sale of the business.
- Legal compliance. You are solely responsible for holding all licences, permits and insurance your business needs, and for complying with all laws that apply to it, including consumer protection, advertising, pricing, tax, health and safety, food safety, employment, anti-discrimination, data protection and the sale of age-restricted products. The Offer must be lawful in your location. If law prohibits discounting any product, do not include it and say so in the listing.
- Equal treatment. Treat Cardholders courteously and on the same basis as other customers. You may not discriminate against Cardholders.
- Staff. You are responsible for the conduct of your owners, managers and staff, and for training them on the Offer and the scanner.
- No resale or misuse. You may not sell, share or transfer your account, scanner access or login credentials, and must keep them secure.
9. Your content and licence to us
You are responsible for the text, logos, photographs, offers and any other material you submit ("Content"). You confirm that you own it or have all rights necessary to use it, that it does not infringe anyone's rights, and that it is lawful and not misleading. You grant Express Card a worldwide, royalty-free, non-exclusive licence to use, reproduce, adapt, translate, display and distribute the Content, and your business name and trademarks, in the directory, on our websites and apps, and in our marketing and promotional materials, for as long as you are a member and for a reasonable period afterward in archived or previously published materials. We may edit or remove Content that we consider inaccurate, unlawful, offensive or contrary to these Terms.
10. Placement and rotation
Featured and rotation positions are provided on a fair-turn basis and are not guaranteed in time, order, frequency or traffic. We may change how the directory is organized, ranked or displayed, and may remove or hide a listing that breaches these Terms.
11. Term, suspension and termination
Your membership runs for twelve (12) months from approval and activation. We may suspend or terminate your membership, remove your listing and deactivate your access immediately if you breach these Terms, receive Substantiated Complaints as set out in Section 6, provide false information, fail to pay, engage in unlawful or harmful conduct, or in our reasonable opinion damage the reputation of Express Card or its Cardholders. You may stop participating at any time by telling us in writing, but you remain bound by the Offer for any Cardholder interaction already begun and no refund will be due. Sections that by their nature should continue after termination will do so, including those on fees, refunds, content licence, disclaimers, liability, indemnity and governing law.
12. Taxes and independent relationship
You are responsible for all taxes, duties, licence fees and filings arising from your business, your sales and your use of Express Card. Nothing in this agreement creates an employment, agency, partnership, franchise or joint-venture relationship between you and Express Card.
13. Data and confidentiality
You will use Cardholder information you see through the scanner only to confirm membership and apply the Offer. You must protect it, comply with applicable data protection laws, and not disclose it. We handle your information as described in our Privacy Policy, when published, and may share necessary information about complaints and compliance with affected Cardholders and, where required or permitted by law, with authorities.
14. Disclaimers
To the fullest extent permitted by law, the service, the directory, the scanner and the website are provided "as is" and "as available", without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, accuracy, non-infringement, and uninterrupted or error-free operation. We do not warrant that you will gain customers, increase sales or achieve any result. Any estimates, calculators or examples on our site are illustrations only.
15. Limitation of liability
To the fullest extent permitted by law, Express Card, RDN LLC and their owners, directors, employees, contractors and affiliates will not be liable to you for any indirect, incidental, special, consequential, exemplary or punitive damages, or for lost profits, revenue, goodwill, data or opportunity, however caused, arising from or relating to the service or this agreement. Our total aggregate liability to you for any claim will not exceed the fees you paid to us in the twelve (12) months before the claim arose. Nothing in these Terms excludes or limits liability that cannot be excluded or limited by law.
16. Indemnification
You will defend, indemnify and hold harmless Express Card, RDN LLC and their owners, directors, employees, contractors and affiliates from and against any claim, demand, loss, liability, damage, penalty, cost or expense (including reasonable legal fees) arising out of or relating to: your goods, services, premises or staff; any injury, illness, loss or damage suffered by a Cardholder or other person in connection with your business; your Offer or your failure to honor it; your Content; your breach of these Terms or of any law; or your dealings with Cardholders.
17. Changes
We may update these Terms, the program rules and fees from time to time. For material changes we will give you at least thirty (30) days' notice by email or on the website, except where a change is required by law or needed urgently to protect the service. Your Offer remains locked for the current membership year, but the updated Terms apply to your continued participation and to any renewal. If you do not accept a change, you may stop participating, and no refund will be due except where the law requires.
18. Governing law and disputes
These Terms are governed by the laws of [governing jurisdiction to be confirmed by Express Card before launch], without regard to its conflict-of-law rules. You agree to first contact us and try in good faith to resolve any dispute informally for at least thirty (30) days. Any unresolved dispute will be brought exclusively in the courts of that jurisdiction, and you consent to their jurisdiction. To the extent the law allows, claims must be brought individually and not as part of a class or representative action, and must be started within one (1) year after the claim arose.
19. General and contact
These Terms, together with the program rules shown at registration and our Privacy Policy, are the entire agreement between you and Express Card about participation and replace earlier understandings. If any part is unenforceable, the rest remains in effect. Our failure to enforce a right is not a waiver. You may not assign this agreement without our written consent; we may assign it to a successor or affiliate. We are not responsible for delays or failures caused by events beyond our reasonable control. Notices to you may be sent to the email address on your account. This agreement is written in English, and the English version prevails over any translation. Questions, reports and notices: support@expresscard.cc.
End of the Business Terms and Agreement.
