Terms of Use

Effective Date: 12/19/2024
Last Updated: 03/02/2026

Welcome to Twocents! These Terms of Use (“Terms”) govern your access to and use of the Twocents platform, website, and associated services (collectively, the “Services”). By accessing or using the Services, you agree to be bound by these Terms. If you do not agree, you may not use the Services.

1. Definitions

• “Patron” means an individual who submits feedback or content through the Services.
• “Business” means a merchant or organization using Twocents to receive or manage feedback.
• “User” means any Patron or Business accessing the Services.

2. Acceptance of Terms

By creating an account or using the Services, you agree to these Terms and our Privacy Policy. If you are accessing the Services on behalf of a Business, you represent that you have authority to bind that Business.

3. Eligibility

You must be at least 13 years old to use the Services.

4. Account Registration

For Patrons

• Must create an account to submit feedback or participate in rewards.
• Responsible for maintaining login security.

For Businesses

• Must create an account to access feedback.
• Responsible for login security.
• Must notify Twocents of suspected unauthorized access.

5. Use of Services

Users may only use the Services in accordance with these Terms and applicable law. You agree not to:

• Use the Services unlawfully
• Impersonate others
• Interfere with system integrity
• Collect personal information without consent

Twocents may investigate and take action for violations.

6. Submissions and User Content

Patron Feedback License

By submitting Feedback, you grant Twocents a perpetual, worldwide, royalty-free, sublicensable, transferable license to use, copy, modify, create derivative works from, distribute, display, and otherwise use such Feedback for:

• Operating and improving the Services
• Developing analytics and benchmarks
• Creating anonymized or aggregated data products
• Marketing and promotion of the Services

This license survives account termination.

Twocents will not publicly display personally identifiable information (“PII”) without explicit consent.

Anonymized Data

“Anonymized Data” means data processed so it cannot reasonably be linked to an individual. Neither Twocents nor Businesses may attempt re-identification.

Ownership of Aggregated & Derived Data

Twocents exclusively owns all rights to anonymized, aggregated, and derived insights and analytics.

Prohibited Content

Users may not submit unlawful, defamatory, abusive, or harmful content.

7. Twocents Rewards

Twocents may offer a promotional rewards program (“Twocents Rewards”) under which eligible users may earn points for qualifying activity and redeem those points for available rewards.

Participation is voluntary and subject to these Terms.

7.1 Nature of Points

• Points are promotional credits only.
• Points have no cash value.
• Points are not property.
• Points are non-transferable and may not be sold, exchanged, or assigned.
• Points do not constitute stored value, deposits, bank accounts, financial instruments, or personal property.
• Points may only be redeemed as expressly permitted by Twocents.

7.2 Earning Points – Qualifying Feedback

Points are awarded only for “Qualifying Feedback,” as determined by Twocents in its sole and absolute discretion.

Qualifying Feedback must be:

• Original
• Constructive and specific
• Compliant with these Terms

The following are ineligible:

• AI-generated spam or auto-generated content
• Extremely short or generic comments (e.g., “Great place,” “Loved it”)
• Repeated or substantially identical submissions
• Submissions across multiple businesses that lack meaningful variation
• Attempts to artificially inflate points

Twocents may:

• Withhold points
• Reverse previously awarded points
• Remove submissions
• Suspend or terminate accounts
• Forfeit accumulated points

All determinations are final.

7.3 Expiration of Points

Points expire:

• After twelve (12) months of account inactivity; and
• In all cases, no later than twenty-four (24) months after the date earned.

Inactive accounts may forfeit accumulated points at Twocents’ discretion.

7.4 Redemption and Rewards

Rewards may include third-party gift cards (including Visa-branded gift cards), partner credits, restaurant discounts, or other promotional items.

Twocents:

• Does not guarantee reward availability
• May substitute rewards of equal or greater value
• Is not responsible for third-party fulfillment
• Is not responsible for merchant refusal or partner policy changes
• Is not responsible for lost, delayed, or misdirected rewards

Rewards may be subject to additional third-party terms and conditions.

7.5 Modification or Termination of Rewards

Twocents may, at any time and in its sole discretion:

• Modify earning rates
• Change redemption thresholds
• Alter available rewards
• Suspend or discontinue the Rewards program

Unredeemed points may be forfeited upon termination of the program.

7.6 Taxes

Users are solely responsible for any federal, state, or local taxes associated with rewards.

Twocents may request tax documentation where required by law.

8. Plans, Subscriptions, and Payments (For Businesses)

Plans

Twocents offers a free tier and paid subscription plans (including “Plus”). Features may evolve over time.

Twocents may modify, add, or remove features from any plan at its discretion.

Merchant of Record & Payment Processing

Paid subscriptions are processed by Paddle.com, which acts as the Merchant of Record. Paddle is responsible for:

• Payment processing
• Billing and invoicing
• Applicable tax collection

By subscribing, you agree to Paddle’s applicable terms and policies in addition to these Terms.

Billing & Automatic Renewal

Subscriptions are billed on a recurring basis (monthly or annually, depending on the selected plan).

Subscriptions automatically renew at the end of each billing period unless canceled before the renewal date.

You authorize Twocents (through Paddle) to charge your selected payment method for recurring fees until canceled.

You are responsible for canceling before renewal to avoid additional charges.

Cancellation

You may cancel at any time through your dashboard or by contacting support.

Cancellation takes effect at the end of the current billing period. No partial refunds are provided unless required by law.

Refund Policy

Subscription fees are non-refundable once a billing period begins, except where required by law or in cases of billing error.

Failed Payments & Suspension

If payment fails or is declined, Twocents may:

• Retry the charge
• Suspend access to paid features
• Downgrade the account
• Terminate the subscription

Trials & Promotional Access

Twocents may offer trial or promotional access to paid features without payment information.

Trial or promotional access:

• May be modified or revoked at any time
• Does not guarantee continued access
• Will expire unless you subscribe

Pricing Changes

Twocents reserves the right to change subscription pricing. Price changes will apply at the next renewal cycle following notice.

9. Data Ownership, Privacy & Export

Patron Feedback and Data

All Feedback and personal data are governed by the Privacy Policy.

Twocents does not share Patron email addresses or phone numbers with Businesses unless the Patron expressly opts in.

Merchant Access and License

Businesses receive a limited, non-exclusive, revocable license to access Feedback solely to:

• Improve customer experience
• Respond to customers
• Use anonymized excerpts for marketing

Businesses may not:

• Sell or sublicense Feedback data
• Attempt to identify anonymous Patrons
• Disclose Patron PII without written consent

Data Security

Businesses must implement reasonable safeguards and notify Twocents of suspected data incidents.

Data Retention & Deletion

Twocents retains data as necessary to operate and improve the Services.

Upon account deletion, Twocents will delete or anonymize personal identifiers while retaining anonymized or aggregated data.

Benchmarking & Aggregated Insights

Twocents may combine data from multiple Businesses to produce anonymized benchmarks and analytics.

No such reports will identify specific Businesses or Patrons.

Platform Integrity

Twocents may restrict access to data in cases of abuse or breach.

10. AI-Powered Features Disclaimer

Certain features may include AI-generated summaries, suggested responses, or automated outputs. These features are provided for informational purposes only.

Twocents does not guarantee accuracy or appropriateness of AI outputs.

Businesses are solely responsible for reviewing, editing, approving, and using any AI-generated content before communicating with Patrons or taking action.

11. Business Responsibility for Communications and Offers

Businesses are solely responsible for:

• The content of responses to Patrons
• Any promotions, offers, discounts, rewards, or incentives
• Fulfillment and honoring of such offers
• Legal compliance of marketing or promotional activity

Twocents is not responsible for disputes arising from Business communications or offer fulfillment.

12. Ownership and Intellectual Property

Twocents retains all rights, title, and interest in the Services and all related intellectual property. Users receive a limited, non-exclusive, non-transferable license to use the Services.

13. Privacy

Your use of the Services is subject to the Privacy Policy.

Twocents does not sell or rent personal information.

14. Termination

By You

You may stop using the Services at any time.

By Twocents

Twocents may suspend or terminate access for:

• Violation of Terms
• Non-payment
• Fraud or abuse
• Conduct compromising platform integrity

15. Disclaimers and Limitation of Liability

No Warranty

The Services are provided “as is” and “as available.”

The Free Tier carries no uptime or support guarantees.

Limitation on Reliance

Analytics and insights are informational only. Businesses are solely responsible for decisions made using the platform.

Limitation of Liability

To the maximum extent permitted by law, Twocents shall not be liable for indirect, incidental, special, consequential, or punitive damages.

For Business Users, total liability shall not exceed the greater of:

• The amount paid in the 12 months preceding the claim; or
• $100 for free-tier users.

16. Indemnification

You agree to indemnify and hold harmless Twocents from claims arising out of:

• Your use of the Services
• Content you submit or receive
• Violations of these Terms
• Violations of third-party rights

Businesses further indemnify Twocents for claims arising from:

• Customer feedback
• Data handling
• Communications
• Offers and fulfillment
• Business operations

17. No Partnership or Agency

Nothing creates a partnership, agency, or joint venture.

18. Service Modification and Beta Features

Twocents may modify, suspend, or discontinue any feature at any time.

Beta or experimental features are provided “as is” and may change without notice.

19. Dispute Resolution

These Terms are governed by New Jersey law.

Disputes shall be resolved through binding arbitration in Essex County, NJ under AAA rules.

20. Changes to These Terms

Twocents may update these Terms from time to time.

Material changes will be posted and reflected by an updated “Last Updated” date.

Continued use of the Services after changes constitutes acceptance.

21. Contact Us