These Terms of Service ("Terms") govern your access to and use of the MyStoreGiftCard™ application, website, and related services (collectively, the "Service"). MyStoreGiftCard is a product of, and the Service is provided by, Coam Tracker, LLC, a Georgia limited liability company ("we," "us," or "our"). By creating an account, subscribing, or otherwise using the Service, you ("you," "your," or "Customer") agree to be bound by these Terms. If you do not agree, do not use the Service.
MyStoreGiftCard is a subscription software tool that lets a retail store sell, track, and redeem its own store-branded gift cards, and generate related records and reports. The Service also includes an optional customer-facing gift card wallet (Section 8) and may offer demonstration access with sample data (Section 4). The Service is provided on a software-as-a-service basis, accessible via web browser or as an installed web application.
The Service is a record-keeping and calculation tool. It is not a substitute for your own bookkeeping, accounting, tax, or legal judgment. You remain solely responsible for the accuracy of data entered, for reconciling your own cash and inventory, and for complying with all laws applicable to your business, including any gift card, consumer-protection, or unclaimed-property laws that apply to gift cards your store sells or issues. The Service may display standard wording on cards and receipts (for example, "no cash value"); this wording is provided as a convenience only and is not legal advice or a guarantee of compliance. We do not represent or warrant that any feature of the Service satisfies the requirements of any specific state's or jurisdiction's gift card regulations. You are solely responsible for determining, independently of the Service, whether your use of any feature complies with the laws applicable to your business and location.
You must provide accurate information when creating an account and keep it up to date. You are responsible for maintaining the confidentiality of your account credentials and any PIN you configure, and for all activity that occurs under your account, whether by you, your employees, or anyone else you allow to access the Service. If you create staff or manager logins under your account, you are responsible for the people you add, for the permissions you grant them, and for removing a person's access promptly when they leave your business. Anything done under a staff or manager login is treated as done under your account. You must be at least 18 years old and have authority to bind the business you represent to enter into these Terms.
The Service is offered on a recurring subscription basis (monthly or annual, as selected at signup), with prices as displayed at the time of purchase or as later communicated to you. Payments are processed by our third-party payment processor, Stripe; we do not store your full payment card number.
Who the charge comes from. MyStoreGiftCard is a product of Coam Tracker, LLC, so the charge on your card statement, your receipts, and your invoices may appear in the name of Coam Tracker, LLC (or a similar descriptor) rather than "MyStoreGiftCard." It is the same company and the same subscription — nothing extra is being charged.
Subscriptions renew automatically unless cancelled. You may cancel at any time; cancellation takes effect at the end of the then-current billing period. All payments are final and non-refundable, in whole and in part, for both monthly and annual plans, except where a refund is required by applicable law. Cancelling stops future charges only; you retain access to the Service for the full period you have already paid for. Annual plans are priced at a discount in exchange for the full-year commitment. This no-refund policy is disclosed at the point of purchase before payment is made. We may change prices for future billing periods with reasonable advance notice, and we may suspend or terminate access to the Service if a payment fails or is disputed.
We may offer demonstration access to the Service ("Demo Mode"). Demo Mode uses fictitious sample data only: nothing entered in a demo is saved as a real business record, and demo gift cards and reports are not real, have no value, and may not be printed, sold, or honored as though they were. We may also offer free trials. A free trial is a real account with the full Service, provided at no charge for a period we set and which we may extend, shorten, or end at our discretion. Everything you enter during a free trial is saved as a real business record and is subject to these Terms in full: gift cards you sell or issue during a trial are real gift cards that you, not us, are responsible for honoring. When a free trial ends without a paid subscription, the account enters Honor Mode (Section 12A). We may modify, limit, or end any demo or trial at any time.
You agree not to: (a) use the Service for any unlawful purpose, including in violation of any gift card or consumer-protection regulation applicable to your business; (b) attempt to gain unauthorized access to the Service, other accounts, or our systems; (c) reverse engineer, decompile, or attempt to extract the source code of the Service, except as permitted by law; (d) resell, sublicense, or provide the Service to third parties outside your own business without our consent; (e) use the Service in a way that could disable, overburden, or impair it; or (f) copy, imitate, or use the Service's designs, screens, receipt formats, or other non-public elements to build or help build a competing product.
You retain ownership of the data you input into the Service, including transaction records, store information, and reports ("Customer Data"). You grant us a limited license to host, process, and display Customer Data solely as necessary to provide the Service to you. In the ordinary course of operating, securing, billing, and supporting the Service, we view account-level information about your store (for example, your plan and renewal status, when the account was last used, how many gift cards it has recorded, and the total number and combined balance of gift cards still outstanding); we do not browse the individual customers, cards, or transactions in your ledger except as needed to provide or support the Service at your request, to investigate misuse or a security incident, or as required by law.
You are responsible for the accuracy of Customer Data and for maintaining your own backups; while the Service includes backup and export features, you should not rely on the Service as your sole record for tax or audit purposes. The Service is designed as a permanent record-keeping ledger: once recorded, transactions cannot be edited or deleted through the Service; corrections are made by voiding a record, and voided records are retained and visible for audit purposes. Upon termination of your account, we may retain Customer Data for a reasonable period as described in our Privacy Policy, including as required for legal, audit, or regulatory retention purposes. You may also permanently delete your account and its data yourself, from within the Service, as described in Section 12B and in our Privacy Policy.
If we become aware of a security incident that affects Customer Data, we will investigate promptly, take reasonable steps to contain it, and notify affected customers without undue delay and in accordance with applicable law, including a description of the nature of the incident and the steps we are taking. We maintain tenant-level data isolation, access controls, and logging designed to limit the scope of any incident.
The Service — including all software code, screens, visual designs, logos, card and receipt formats, documentation, and other content we provide — is owned by Coam Tracker, LLC and is protected by United States copyright, trademark, and trade secret laws. Except for the limited license below, no rights in the Service are granted to you. Subject to these Terms and payment of applicable fees, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Service for your own business's internal operations during your subscription. You may not copy, modify, distribute, publicly display, or create derivative works of the Service, and you may not remove or alter any copyright, trademark, or other proprietary notice.
"MyStoreGiftCard" and the MyStoreGiftCard logo are trademarks of Coam Tracker, LLC. You may not use our names or logos — including in any confusingly similar form — without our prior written permission, except to truthfully identify the Service. Non-public aspects of the Service, such as internal card and receipt formatting, database and server-side design, and operational know-how, are the trade secrets of Coam Tracker, LLC. You agree not to disclose them and not to use them for any purpose other than using the Service as intended. If you send us feedback, suggestions, or ideas about the Service, we may use them freely, without restriction or obligation to you.
The Service includes an optional wallet page that lets your customers keep gift cards from your store on their own phones. A wallet is identified by a random secret token stored on the customer's device; anyone holding that token or its QR code can view the cards in that wallet, and customers are responsible for the security of their own devices. Redeeming a card held in a customer wallet requires the customer's approval on their device.
You — not us — are the issuer of your store's gift cards. This is true however you use them: sold at the counter, given as a spend reward or promotion, or given as store credit for a return. You remain solely responsible for honoring them, for their terms, and for complying with all laws that apply to them. Gift cards recorded in the Service have no cash value and are records of your store's own obligations, not obligations of Coam Tracker, LLC. Closing or deleting your account does not cancel a gift card you have sold or issued; see Section 12B. We may modify or discontinue the wallet feature with reasonable notice.
Coam Tracker, LLC does not guarantee, insure, fund, redeem, or otherwise assume responsibility for any gift card sold or issued by you. As between you and us, you are solely responsible for any obligations relating to unclaimed, dormant, or abandoned gift card balances, including any escheatment or unclaimed-property obligation under applicable law, and for what becomes of outstanding gift card balances if your business closes or is sold (see Section 12B). Nothing in the Service — including the wind-down described in Section 12B — transfers any of those obligations to us or makes us the issuer, holder, or guarantor of any card balance.
(a) Definitions. As used in this Section, "Card" means any gift card, store credit, reward card, or other stored-value instrument sold, issued, loaded, reloaded, or recorded by you or on your behalf through the Service, regardless of whether issued for consideration, as a promotion, as a reward, or in lieu of a refund. "Card Funds" means all monies, value, or consideration received for or represented by any Card, including any unredeemed, dormant, or residual balance. "Unclaimed Property Laws" means all federal, state, and local laws, regulations, and ordinances governing unclaimed, abandoned, or dormant property, escheat, gift cards, gift certificates, stored-value instruments, and related reporting, due-diligence, and remittance obligations, including any enactment of the Uniform Unclaimed Property Act and the Credit Card Accountability Responsibility and Disclosure Act of 2009 and its implementing regulations. "Governmental Authority" means any federal, state, local, or foreign government, agency, department, administrator, auditor, contract auditor, or other body acting under color of law.
(b) Merchant as Sole Issuer and Holder. You acknowledge and agree that, as between you and Coam Tracker, LLC, you are, and shall be deemed for all purposes to be, the sole issuer, obligor, and holder of every Card and of all Card Funds. Coam Tracker, LLC is solely a provider of record-keeping software and is not, and shall not be deemed to be, an issuer, seller, obligor, holder, custodian, trustee, bailee, escrow agent, fiduciary, agent, payment processor, or money transmitter with respect to any Card or Card Funds.
(c) No Receipt or Custody of Card Funds. Coam Tracker, LLC does not receive, collect, hold, possess, control, commingle, invest, or have any right, title, or interest in any Card Funds. All Card Funds are received directly by you or by your own payment processor for your account. No Card Funds are, at any time, in the possession, custody, or control of Coam Tracker, LLC, and no provision of these Terms or feature of the Service shall be construed to create any such possession, custody, or control.
(d) Sole Responsibility for Compliance. You are solely and exclusively responsible, at your sole cost and expense, for (i) determining which Unclaimed Property Laws apply to your Cards and Card Funds; (ii) all record-keeping, owner-notification, due-diligence, reporting, filing, remittance, and payment obligations arising under Unclaimed Property Laws; (iii) the terms, disclosures, expiration, fees, and redemption of your Cards; and (iv) the payment of any amount, including principal, interest, penalties, fines, assessments, and audit costs, asserted, assessed, or due in connection with any Card or Card Funds, whether arising during the term of your subscription or after its expiration, cancellation, or termination, or after the closure, sale, dissolution, or bankruptcy of your business.
(e) Governmental Inquiries. In the event Coam Tracker, LLC receives any inquiry, audit notice, demand, subpoena, or claim from a Governmental Authority relating to any Card or Card Funds, Coam Tracker, LLC may, in its sole discretion, (i) direct such Governmental Authority to you as the issuer and holder; (ii) notify you of the inquiry, except where prohibited by law; and (iii) produce such records within its possession as it reasonably determines are required by law. You shall cooperate fully, promptly, and in good faith with any such inquiry and shall, upon request, confirm in writing to the Governmental Authority that you are the sole issuer and holder of the applicable Cards and Card Funds. Nothing in this Section obligates Coam Tracker, LLC to contest, respond to, or defend any such inquiry on your behalf.
(f) No Assumption of Liability. Neither the Service, the recording of any Card or balance in the Service, the continued availability of any feature following cancellation or account deletion (including Honor Mode under Section 12A and the wind-down under Section 12B), nor any other act or omission of Coam Tracker, LLC shall constitute, or be construed as, an assumption, guarantee, novation, assignment, or transfer to Coam Tracker, LLC of any obligation relating to any Card or Card Funds.
(g) Survival. This Section 8A and your obligations under Section 11 with respect to Cards and Card Funds shall survive the expiration, cancellation, or termination of your subscription, the deletion of your account, and the closure, sale, dissolution, or bankruptcy of your business, and shall remain in full force and effect for so long as any Governmental Authority may assert any claim relating to any Card or Card Funds.
THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING WITHOUT LIMITATION WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE. WE DO NOT WARRANT THAT ANY CALCULATION, REPORT, OR TOTAL GENERATED BY THE SERVICE IS ACCURATE OR COMPLETE. YOU ARE SOLELY RESPONSIBLE FOR VERIFYING ALL FINANCIAL DATA BEFORE RELYING ON IT.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT SHALL COAM TRACKER, LLC, ITS MEMBERS, OFFICERS, OR AGENTS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING LOST PROFITS, LOST DATA, OR LOSS OF BUSINESS, ARISING OUT OF OR RELATING TO YOUR USE OF THE SERVICE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR TOTAL AGGREGATE LIABILITY TO YOU FOR ANY CLAIM ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE SHALL NOT EXCEED THE TOTAL AMOUNT YOU PAID US IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM.
Some jurisdictions do not allow the exclusion or limitation of certain damages, so some of the above limitations may not apply to you.
TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, YOU SHALL DEFEND, INDEMNIFY, AND HOLD HARMLESS COAM TRACKER, LLC AND ITS MEMBERS, MANAGERS, OFFICERS, EMPLOYEES, CONTRACTORS, AGENTS, SUCCESSORS, AND ASSIGNS (THE "INDEMNIFIED PARTIES") FROM AND AGAINST ANY AND ALL CLAIMS, DEMANDS, SUITS, PROCEEDINGS, AUDITS, ASSESSMENTS, LIABILITIES, DAMAGES, LOSSES, JUDGMENTS, SETTLEMENTS, FINES, PENALTIES, INTEREST, COSTS, AND EXPENSES (INCLUDING REASONABLE ATTORNEYS' FEES, EXPERT FEES, AND COURT COSTS) ARISING OUT OF OR RELATING TO: (a) YOUR ACCESS TO OR USE OF THE SERVICE; (b) YOUR BREACH OF THESE TERMS; (c) YOUR VIOLATION OF ANY LAW, REGULATION, OR THIRD-PARTY RIGHT, INCLUDING ANY GIFT CARD, CONSUMER-PROTECTION, OR UNCLAIMED PROPERTY LAW; (d) ANY CARD OR CARD FUNDS (AS DEFINED IN SECTION 8A), INCLUDING ANY CLAIM, AUDIT, INQUIRY, OR DEMAND BY ANY GOVERNMENTAL AUTHORITY RELATING TO UNREDEEMED, DORMANT, UNCLAIMED, OR ABANDONED BALANCES; (e) ANY CLAIM BY YOUR CUSTOMERS, EMPLOYEES, BUYERS, SUCCESSORS, OR CREDITORS; AND (f) YOUR RELIANCE ON ANY CALCULATION, REPORT, OR TOTAL GENERATED BY THE SERVICE. THIS OBLIGATION APPLIES REGARDLESS OF WHETHER THE CLAIM IS ASSERTED AGAINST AN INDEMNIFIED PARTY ON THE THEORY THAT IT IS AN ISSUER, HOLDER, OR OBLIGOR OF ANY CARD OR CARD FUNDS.
Coam Tracker, LLC may, at its election, assume the exclusive defense and control of any matter subject to indemnification by you, at your expense, and you shall cooperate fully in such defense. You shall not settle any such matter without the prior written consent of Coam Tracker, LLC. Coam Tracker, LLC may set off any amount owed by you under this Section against any amount otherwise owed to you. Your obligations under this Section survive the expiration, cancellation, or termination of your subscription and the deletion of your account.
You may stop using the Service and cancel your subscription at any time through the Service or by contacting us. We may suspend or terminate your access to the Service if you violate these Terms, fail to pay applicable fees, or for any other reason with reasonable notice, except that we may suspend access immediately without notice where necessary to protect the Service, other customers, or to comply with law. Except where we terminate your access for a violation of these Terms or to comply with law, expiration or cancellation of a subscription results in Honor Mode (Section 12A) rather than immediate loss of access to your records. Deleting your account is different and is governed by Section 12B.
When your paid subscription ends for any reason (including non-renewal, cancellation, or a pending account deletion under Section 12B), your account automatically enters a limited mode of the Service ("Honor Mode") rather than being shut off. In Honor Mode: (a) you may continue to redeem gift cards previously sold or issued under your account, including wallet-held cards with the customer's device approval, and each redemption continues to be recorded in your account's records; (b) you may view, print, share, and export your existing records and reports on a read-only basis; and (c) all other features are disabled, including creating new transactions, selling or issuing new gift cards, and editing or voiding existing records. Honor Mode is provided free of charge. We intend to make gift card redemption available in Honor Mode indefinitely so that your customers' outstanding gift cards can always be honored; however, Honor Mode is provided "as is," and we may reasonably modify its implementation. You may return your account to full service at any time by resuming a paid subscription, except where your account is winding down after you deleted it under Section 12B, which cannot be reversed. Honor Mode does not change your ownership of your data, your obligations as issuer of your store's gift cards (Section 8), or your record-keeping obligations under applicable law.
The Service includes a self-service option, in Settings, to permanently delete your account. This is the option to use whether you are closing your store, selling it, or simply leaving the Service. Before anything happens, the Service tells you what you are giving up, offers you a download of your records, and directs you to cancel your recurring billing (a step you are responsible for completing). Deletion then requires both your account password and a typed confirmation. Deletion is permanent and cannot be undone. Where no gift card balances remain outstanding, your login ceases to function immediately. Where balances remain outstanding, your login remains available solely for the limited purpose of redeeming those existing cards during the wind-down described below, and ceases to function when the wind-down completes. In neither case can you or we restore the account, its records, or its history afterward. If you later wish to use the Service again, you must open a new account. You are responsible for downloading and keeping your own copy of your records before deleting; your record-keeping obligations under applicable law remain yours, and deleting your account does not satisfy or discharge them. We retain records that applicable law requires us to retain, for the period the law requires, after which they are deleted.
No refunds. Consistent with Section 3, deleting your account does not entitle you to any refund, credit, or proration of amounts already paid, including unused time on a monthly or annual plan. If your goal is only to stop future charges, cancelling auto-renewal rather than deleting preserves your access for the remainder of the period you have already paid for.
Outstanding gift cards. If, at the time you delete, gift cards sold or issued under your account still carry unredeemed balances, your account does not close immediately. It instead enters a wind-down: the account is placed into Honor Mode (Section 12A) with deletion pending, billing ends, and the only function that remains available is redeeming the gift cards that already exist. Those cards do not expire and are not cancelled by your deletion. When the last outstanding balance reaches zero, the account and its data are deleted automatically, with no further action required by you or by us. An account in wind-down cannot be reactivated.
Selling your business. Accounts are not transferable. If you sell your business, you may not transfer, assign, share, or otherwise make your account credentials available to the buyer, and a buyer who wishes to operate a store on the Service must open its own new account. Responsibility as between you and the buyer for the store's outstanding gift cards and for record-keeping obligations is a matter of your sale agreement and not of these Terms; nothing in the Service transfers those obligations to a buyer or to us. Where gift card balances remain outstanding when you delete your account, the wind-down described above allows you, and only you, to continue honoring those cards.
We may modify, update, or discontinue features of the Service at any time. We may update these Terms from time to time; material changes will be communicated to you (for example, by email or in-app notice). Continued use of the Service after changes take effect constitutes acceptance of the revised Terms.
These Terms and any dispute, claim, or controversy arising out of or relating to these Terms or the Service shall be governed by and construed in accordance with the laws of the State of Georgia, without regard to its conflict-of-laws principles. Any such dispute shall be brought exclusively in the state or federal courts located in the State of Georgia, and you irrevocably consent to the personal jurisdiction and venue of such courts and waive any objection based on inconvenient forum.
TO THE FULLEST EXTENT PERMITTED BY LAW, YOU AND COAM TRACKER, LLC EACH KNOWINGLY, VOLUNTARILY, AND IRREVOCABLY WAIVE ANY RIGHT TO A TRIAL BY JURY, AND AGREE THAT ANY PROCEEDING SHALL BE CONDUCTED ONLY ON AN INDIVIDUAL BASIS AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, CONSOLIDATED, OR REPRESENTATIVE ACTION.
In any action to enforce these Terms, the prevailing party shall be entitled to recover its reasonable attorneys' fees and costs. Any claim by you arising out of or relating to these Terms or the Service must be commenced within one (1) year after the cause of action accrues; otherwise, such claim is permanently barred, to the extent permitted by law.
(a) Electronic Acceptance. You agree that your act of checking a box, clicking a button, creating an account, submitting payment, or otherwise using the Service constitutes your electronic signature and your affirmative acceptance of these Terms, with the same force and effect as a handwritten signature, pursuant to the Electronic Signatures in Global and National Commerce Act (15 U.S.C. § 7001 et seq.) and the Georgia Uniform Electronic Transactions Act (O.C.G.A. § 10-12-1 et seq.).
(b) Severability and Reformation. If any provision of these Terms is held invalid, illegal, or unenforceable in any respect, such provision shall be reformed and enforced to the maximum extent permissible so as to effect the intent of the parties, and the validity, legality, and enforceability of the remaining provisions shall not in any way be affected or impaired.
(c) Relationship of the Parties. The parties are independent contractors. Nothing in these Terms creates any partnership, joint venture, agency, franchise, fiduciary, trust, or employment relationship between you and Coam Tracker, LLC.
(d) Assignment. You may not assign, delegate, or transfer these Terms or any right or obligation hereunder, by operation of law or otherwise, without the prior written consent of Coam Tracker, LLC; any purported assignment in violation of this Section is void. Coam Tracker, LLC may assign these Terms, in whole or in part, without your consent, including to an affiliate or to any successor entity that operates the Service.
(e) Survival. Sections 3, 6, 7, 8, 8A, 9, 10, 11, 12A, 12B, 14, and 15, and any other provision that by its nature should survive, shall survive any expiration, cancellation, or termination of these Terms.
(f) Entire Agreement; Waiver. These Terms, together with our Privacy Policy, constitute the entire agreement between you and Coam Tracker, LLC regarding the Service and supersede all prior or contemporaneous understandings. No failure or delay in exercising any right shall operate as a waiver thereof, and no waiver shall be effective unless in writing and signed by Coam Tracker, LLC. Headings are for convenience only and shall not affect interpretation.
Questions about these Terms may be directed to: [email protected] or (404) 992-8675.