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Terms for service

1. What is ThankUCash for Business/Merchant?

Welcome! ThankUCash is a rewards program operated by Connected Analytics Limited (referred to as “ThankUCash” or “we” or “us”). ThankUCash lets your customers earn rewards in form of ThankUCash Points or ThankUCash rewards points (“Points”) by making qualifying purchases at one or all of your retail/online outlets. Fully enrolled ThankUCash members (“Members”) may use the Points they earn for savings at participating locations of specified merchants and your locations as a merchant or partner.

The cost to join ThankUCash can be found on the following page: . You have to enrol on the website and purchase ThankUCash Points to be able to dispense ThankUCash Points to customers.

In most cases, you may use any form of payment (e.g., cash lodgement, credit cards, or transfers to Connected Analytics Limited’s bank account) to purchase Points. Customers do not need a credit card to join ThankUCash or to start earning rewards. Neither the ThankUCash program nor the rewards card that ThankUCash provides to customers constitutes a credit card or a payment instrument, but rather the points redeemed by customers are converted to cash by Connected Analytics and paid to you as a merchant in your registered bank account. ThankUCash will not result in an inquiry to the credit bureaus.

2. Which merchant/business is Eligible

As a merchant to enrol for ThankUCash, you must be a merchant with retail capacity either online or offline. You need to have a physical store or an online store, accept payments online, offilione, in-app, cash, credit, debit, USSD, mobile money or bank transfers . You must also be a resident of planet earth. However, ThankUCash may only be used in Nigeria at the moment. However, we expect to expand to other African Countries, Asia and Latin America in the near future, and will provide relevant updates when we launch in any country. ThankUCash may change these eligibility requirements at any time, and reserves the right to refuse membership to any applicant for any reason, in its sole discretion.

3. How Do I Register?

To register on ThankUCash is very simple. Visit ThankUCash to register. Fill in the necessary details and next steps in to get your Point of Sale Terminals registered by entering the Terminal IDs on the Dashboard that will be available to you after registration. Once you have opened the dashboard, you can start rewarding customers after purchasing your ThankUCash Points.

When you register, we will ask you for certain personal information and company information, such as your name, gender, email address, and phone number, contact Information, Bank Information and Company Details (your “Registration Information”). You represent that all Registration Information you provide during enrollment and throughout your interactions with ThankUCash is true and accurate. You agree to update your Registration Information, as necessary to maintain its truth and accuracy. You are responsible for all activities related to your ThankUCash account and for maintaining the confidentiality of your username, password, and/or PIN. Additionally, to complete the registration process, you must acknowledge receipt of these Terms and our privacy notices, and consent to having your details stored on our platform and made available to regulators and/or Govt. official with a court order. You can complete registration via:

Please note: Certain features of ThankUCash are only available online on the Merchant Dashboard and not available on the mobile app for Merchants. If you have internet access, we encourage you to register via the ThankUCash Merchant iOS or Android Apps in order to get started on the go, otherwise you can visit the website and click on the business page to get started.

4. Qualifying Merchant Services:

Each merchant will have different ways for customers to earn Points. They can either have the regular ThankUCash Points (normal Point system) or ThankUCash Plus which is delivered to customers on a configuration that is determined by the merchant. Every merchant is by default a ThankUCash Merchant customer and will be able to dispense ThanklUCash points once a product is purchased and the points are immediately available for the customers to be able to use instantly. ThankUCash Plus Points are not the same as they will have a configuration that can range from but not limited to allowing customers to reach a milestone before their points are available for spending. Merchants are not expected to sell products prohibited by law. Please go to for more information about how and where customers can earn Points at merchants, including which items or services do not constitute qualifying purchases at that merchant.

Purchases can generally be made with any form of payment accepted by you as a merchant, except that, in some instances, customers can only earn Points if you use a linked credit or debit card. (For more information on linking, see the following paragraph.) In addition, at some merchants, customers may need to link their ThankUCash account with the account that they have with that merchant in order to earn Points on qualifying purchases.

To earn Points on qualifying purchases, customers need to present and use a ThankUCash Identifier prior to purchasing qualifying items or services from participating merchant locations. A customer’s primary ThankUCash Identifier is the virtual ThankUCash rewards card contained within the ThankUCash app that we issue to customers. Other ThankUCash Identifiers, which customers can use, include a phone number associated with their ThankUCash account, or, in some cases, their linked credit or debit card.

5. Offers & Promotions:

Some merchants may provide customers with additional ways to receive Points through offers, promotions, and other programs. Such offers and promotions may be subject to additional terms and conditions. Many offers or promotions will require activation by customers on the ThankUCash app. Certain offers or promotions may require a customer to link a credit or debit card to their ThankUCash account and use that card to pay when they make a qualifying purchase. Where applicable, details will be provided on regarding how customers can link their credit or debit card.

6. Associated Payment Cards:

Certain payment cards associated with ThankUCash may be available to customers (“Associated Payment Cards”). They are not required to have an Associated Payment Card to be a Member, but having an Associated Payment Card may provide them with additional ways to earn Points. Customers’ ThankUCash rewards cards issued to them by ThankUCash are not Associated Payment Cards. They will need to separately apply for any Associated Payment Card, which will require them to undergo credit approval and will be subject to separate terms. Among other things, these separate terms may describe how and where they can earn Points, whether they need to link their ThankUCash rewards cards with their Associated Payment Card, and/or whether they need to present both their ThankUCash Identifier and the Associated Payment Card in order to earn Points.

7. Availability of Points

We will not credit Points to customers’ accounts until we receive information about a qualifying purchase. In most instances, we will receive purchase information and credit Points in real time or within 48 hours. However, in some instances, it may take up to 90 days for us to receive purchase information and credit Points. Please note that, for online or shipped purchases, most merchants do not process customers’ transactions until the items ship or are delivered (not when an order is placed). Similarly, travel purchases are usually not processed until after travel occurs. ThankUCash is not responsible for the failure or delay of a merchant, any other merchant, or the issuer of an Associated Payment Card, to provide us with the necessary information to credit Points to customers’ accounts. Additionally, we may hold earned Points in a pending status for up to 45 days for certain purchases, such as those that have high rates of return. Pended Points will be voided if a customer returns such items. We will determine when to pend Points at our sole discretion e.g. when a merchant does not have sufficient points for rewards. If we pend Points, customers’ will be able to see them in their ThankUCash accounts as pending, but they will not be able to use them until we release them to their ThankUCash accounts.

8. How Can Customers Use Their Points?

For Savings on Purchases, Members can use Points for savings on purchases at certain merchants. Customers cannot use Points at all merchants. Visit to see a full list of merchants where Points can be used. To use Points for savings, customers use their applicable ThankUCash Identifier before paying. In some instances, customers may also need to enter their security PIN, which they can create at or during enrollment. To be eligible to use Points, a customer must have at least 10 Points in their ThankUCash account. Points have a fixed value. Customers will generally receive savings of ₦ 1 for each Point they use. In other words, 1 Point is equivalent to ₦ 1.

9. What Happens to Customers’ Points if They Return Merchandise?

If a customer returns an item on which they earned a certain number of Points, we may deduct up to an equivalent amount of Points from their ThankUCash account. For example, if they earned 20 Points for purchasing a vase and then return that vase, we may deduct 20 Points from their ThankUCash account. Continuing this example, if they have fewer than 20 Points in their ThankUCash account, we may deduct their remaining balance. If they used Points for savings on a purchase and then returned the item purchased, the number of Points that they redeemed will generally be credited to their ThankUCash account. However in some instances they may receive a store credit instead, depending on the policies of that merchant. Whether or not an item that they have purchased can be returned is subject to the policies of each applicable merchant or merchant and applicable law. ThankUCash makes no representations and bears no responsibility for whether a customer can or cannot return any item they purchase. If a customer or we terminate the customer’s ThankUCash account, or if the ThankUCash program is terminated or otherwise modified, Points may be cancelled. A customer may not use cancelled Points. Points will be redeemed in the order in which they were earned.

10. Limitations:

Points have a cash value. Points are your property. Points are issued on payment by you. Points can be purchased, redeemed for cash (with some terms and conditions attached) or any other monetary value or currency. Points may not be assigned, transferred or pledged to any third party, except as stated herein. Points may not be transferred by operation of law, such as by inheritance, in bankruptcy, or in connection with a divorce.

Separate Terms and Conditions and Benefits Provided by merchants or Merchants In addition to and independent of these Terms: Merchants may have their own terms and conditions, which describe specifically how ThankUCash works at their locations. These terms and conditions may describe things such as how customers earn Points at their locations, which items are excluded from earning Points and whether or not a customer needs to link their ThankUCash account with the merchant’s account in order to earn Points. In certain cases, the merchant may also provide customers with additional benefits that are not directly related to ThankUCash (e.g., price discounts on certain items). ThankUCash bears no liability under or responsibility for any merchant-provided terms and conditions, or for any associated additional benefits, which are offered solely by the applicable merchant or merchant, and may be changed or discontinued at that merchant’s exclusive discretion.

How We Use and Share Your Data

1. Your Registration Information:

By becoming a Merchant on ThankUCash, you choose to provide us with your Registration Information, and you agree to update it from time to time so that it remains accurate.

2. Your Account Activity:

When you participate in ThankUCash, you authorize us to collect information about your “Account Activity,” which may include the items or services that you sold, any offers that you had, or any other information related to your transactions.

3. Authorization for ThankUCash to Use and Share Your Information:

You authorize us to use your Registration Information and Account Activity in accordance with the ThankUCash Consumer Privacy Notice and the ThankUCash Online Privacy Statement, each as amended from time to time, in our sole discretion. These authorizations include, but are not limited to:

Using your Account Activity to evaluate, develop, offer and promote your products and services to customers. Combining your Account Activity information with that of other merchants in order to create aggregated reports. You can obtain copies of the ThankUCash Consumer Privacy Notice and/or the ThankUCash Online Privacy Statement by clicking on the hyperlinks above or calling 0700 0433433

4. How Can I Manage My Account?

You can create an account at and view your Points balance and transactions on the ThankUCash App on iOS and Android phones. If you believe there is an error in your account balance, you can contact our customer service center by visiting or call 0700 0433433. We will review your claim and determine whether or not to adjust your balance, at our sole discretion. If you believe your ThankUCash account has been the subject of any suspicious activity, or if you have changed any of your registration information, please contact our customer service center immediately at or call 0700 0433433

Account Cancellation, Inactivity and Termination

1. Cancellation by You

You may cancel your ThankUCash account at any time by calling our customer service center at or call 0700 0433433. If you cancel your ThankUCash account, any Points in your ThankUCash account will immediately be refunded to you.

2. Inactivity

If you do not reward customers for an appreciable time, we can apply discretion to take you off the ThankUCash platform. If you thereafter resume activity on ThankUCash, you will still be able to resume customer rewards.

3. Termination by ThankUCash

We reserve the right to terminate your ThankUCash account at any time, or to modify or restrict your ability to use your Merchant Dashboard, immediately and without notice. We may do so for any reason, or no reason at all, including, but not limited to: if you violate these Terms, if you do not apply points to customers, if we determine that you are using your ThankUCash account for unagreed purposes, or if you act in a manner that is inconsistent with applicable laws or regulations. If we terminate your ThankUCash Merchant account, any Points in your ThankUCash account will immediately be voided and cannot be used.

4. Termination of Entire Rewards Program by ThankUCash

We may terminate or suspend the entire ThankUCash program at any time, in our sole discretion.

5. How Can We Modify These Terms

We may modify these Terms in any manner, at any time, in our sole discretion. Such changes may affect Points already received, including the opportunity to use such Points or their redemption rate. We will provide notice of modification on and by posting the revised Terms at and updating the last modified date. Be sure to check from time to time to ensure that you are aware of any changes to these Terms. Modifications to these Terms are effective immediately when posted. Except as set forth herein, modifications apply only to transactions and disputes that arise after the effective date. Your continued use of ThankUCash after changes have been made to these Terms constitutes your agreement to be bound by the modified Terms. If you do not agree to be bound by the modified Terms, your only recourse is to cancel your membership.

6. Disclaimers

ThankUCash and its partners make no guarantees, warranties or representations of any kind concerning ThankUCash or Points. All Points are void where prohibited by applicable laws or regulations, and these Terms are subject to immediate change if necessary to comply with such laws or regulations. You release and hold harmless us, our affiliates, and any participating merchants from all liability regarding your use of Points or your participation in ThankUCash. The ThankUCash program is only available in English. We make no representations or warranties, either express or implied, including, but not limited to: any implied warranty of quality, condition, merchant-ability, fitness for intended use or a particular purpose, or those arising by statute or otherwise in law or from a course of dealing or usage of trade regarding ThankUCash or the services, materials, or goods advertised, promoted, sold or otherwise made available by you. You agree that a customer’s purchases of goods or services from you are between you and them, are made at your own risk, and are subject to any additional terms, conditions and restrictions between you and them. We have no responsibility for the delivery, standard, quality, safety, use, suitability or any other aspect of any goods or services ordered or purchased, except where required by law. Merchants are not the legal partners of ThankUCash. Participating merchants or participating merchant locations may change at any time, and we may terminate or suspend ThankUCash’s relationship with any merchant without prior notice to you. A merchant that is no longer participating in ThankUCash may still appear on marketing materials or on customers’ ThankUCash rewards cards. You acknowledge and agree that you have no ownership rights in Points or your ThankUCash account. You further acknowledge and agree that you have no third-party beneficiary rights in any agreement between us and any merchant, and that the only relationship created by these Terms is one between you and us. ThankUCash cannot be used where prohibited by law. If any term of this agreement is found by a court to be illegal or not enforceable, except as otherwise provided in the Limitations on Arbitration subsection below, all other terms will still be valid and enforceable.

7. Limitation of Liability

Under no circumstances shall we, or any of our affiliates, or our or their vendors, or any merchant be liable to you for any indirect, incidental, consequential, special, exemplary or punitive damages, whether any claim is based on warranty, contract, tort (including, without limitation, negligence) or otherwise (even if any of them have been advised of the possibility of such damages). This limitation of liability shall apply however damages arise, including, without limitation, whether such damages are incurred by third parties, and/or whether such damages arise from transactions between you and a merchant, your use or misuse of ThankUCash, your inability to use ThankUCash, or the interruption, suspension, or discontinuation of ThankUCash.

8. Governing Law

The Laws of the Federal Republic of Nigeria govern these Terms and any aspect of your relationship with us. These laws govern without regard to any conflicts of laws principles that would otherwise apply the substantive law of another jurisdiction.

9. Assignments

Except as expressly set forth herein, you may not sell, assign or transfer any Points you receive, any other aspect of your ThankUCash account, or any of your rights or obligations under these Terms, whether by operation of law or otherwise. We may sell, transfer, or assign the ThankUCash program, these Terms, or your ThankUCash account, in whole or in part, at any time, without notice to you. If we make such an assignment, the sole responsibility for the matters assigned, including any obligations to you, will lie with the party to which we make the assignment, and we will be released from any responsibilities or obligations.

10. Dispute Resolution

Most customer concerns can be resolved by calling our customer service center at or call 0700 0433433. In the event that the customer service center is unable to resolve a complaint to your satisfaction, this section explains how claims can be resolved through mediation, arbitration, or litigation. It includes an arbitration provision. For this Dispute Resolution section: (a) “you” includes you, any person acting on your behalf including, if you are a minor, your parents and legal guardians; (b) “we” and “us” includes ThankUCash, our merchants and any corporate parents, subsidiaries, affiliates or related persons or entities, and, if there is an assignment, the assignee and its corporate parents, subsidiaries, affiliates or related persons or entities; and (c) “claim” means any current or future claim, dispute or controversy relating to ThankUCash, including these Terms, except for the validity, enforceability or scope of the arbitration provision. Claim includes but is not limited to: (1) initial claims, counterclaims, crossclaims and third-party claims; (2) claims based upon contract, tort, fraud, statute, regulation, common law and equity; and (3) claims by or against any third party using or providing any product, service, or benefit in connection with any ThankUCash account. You may not sell, assign or transfer a claim. Sending a Claim Notice. Before beginning a lawsuit, mediation or arbitration, you and we agree to send a written notice (a “Claim Notice”) to each party against whom a claim is asserted, in order to provide an opportunity to resolve the claim informally or through mediation. The Claim Notice must describe the claim and state the specific relief demanded. Notice to you may be sent to your email or mailing address. Notice to us must include your name, address and ThankUCash account number and be sent to Connected Analytics Limited 1, Wole Olanipekun Close, Lekki Phase 1, Lagos. If the claim proceeds to arbitration, the amount of any relief demanded in a Claim Notice will not be disclosed to the arbitrator until after the arbitrator rules.

11. Arbitration

You or we may elect to resolve any claim by individual arbitration. Claims will be decided by a neutral arbitrator.

If arbitration is chosen by any party, neither you nor we will have the right to litigate that claim in court or have a jury trial on that claim. Further, neither you nor we will have the right to participate in a representative capacity or as a member of any class pertaining to any claim subject to arbitration. Arbitration procedures are generally simpler than the rules that apply in court, and discovery is more limited. The arbitrator’s decisions are as enforceable as any court order and are subject to very limited review by a court. Except as set forth below, the arbitrator’s decision will be final and binding. Other rights you or we would have in court may also not be available in arbitration.

12. Additional Arbitration Awards

If the arbitrator rules in your favor for an amount greater than any settlement offer we made before arbitration, the arbitrator’s award will include: (1) any money to which you are entitled, but in no case less than N50,000; and (2) any reasonable attorneys’ fees, costs and expert and other witness fees.

13. Continuation

This Dispute Resolution section will survive termination of the ThankUCash program or your ThankUCash account, any bankruptcy and any sale or assignment of ThankUCash, or your ThankUCash account. (In the case of a sale, the terms of this Dispute Resolution provision will apply to the buyer.) If any portion of this Dispute Resolution section, except as otherwise provided in the Limitations on Arbitration subsection, is deemed invalid or unenforceable, it will not invalidate the remaining portions of this Dispute Resolution section.