PLEASE READ THESE TERMS AND CONDITIONS OF PARTICIPATION IN THE wiiv REWARDS PROGRAM CAREFULLY. BY PARTICIPATING IN THIS PROGRAM, YOU AGREE TO BE BOUND BY THE TERMS DESCRIBED HEREIN AND ALL TERMS INCORPORATED BY REFERENCE, INCLUDING OUR PRIVACY POLICY AND THE WEBSITE TERMS AND CONDITIONS. IF YOU DO NOT AGREE TO ALL OR ANY OF THESE TERMS, DO NOT PARTICIPATE IN THIS PROGRAM.

The “wiiv rewards program” (thereafter referred to as “wiiv” or “Program”) is offered by IBL Ltd (“IBL”, “we”, “our” or “us”) for the purposes of recognizing and rewarding our loyal customers.

IBL is a public company limited by shares incorporated and existing under the laws of Mauritius and bearing business registration number C07001778 and having its registered office address at 4th Floor, IBL House, Caudan Waterfront, Port Louis.

These Terms and Conditions set out the contractual relationship between IBL and each registered wiiv members (“Members”, “you”, “your” or “yours”) in respect of the Program.

Additional terms and conditions may apply in relation to specific offers, products and services, and will be set out on the Website or will be communicated to you via email.

About wiiv rewards program

The wiiv rewards program awards Points to Members who make qualifying purchases at the EARN Partners and provides Discounts at the Discount Partners.

By opening a Membership account, or by using either your membership card, the App or the Membership account number you were assigned to receive and redeem benefits of the Program, including, without limitation, you agree that:

· you have read and accepted these Terms and Conditions, and you have read and accepted the Website terms of use which are incorporated by reference herein; and

· you consent to the collection, use, and disclosure of your personal data by IBL, the Program and Partners, and their authorized third-party agents and licensees in accordance with the Data Privacy Policy.

Members may use their Points at participating locations of the ENJOY Partners. Visit https://www.wiivrewards.com/wiiv-benefits for a complete list of Partners, as well as complete information on where you can earn and use Points. The list of the participating Partners may be subject to change at any time, without prior notice.

Membership in the Program is free. You must successfully complete the registration process in order to benefit from the advantages of the Program. Upon registration, you are assigned a digital membership number, accessible through the wiiv App. We no longer issue physical wiiv Cards as a standard practice; however, exceptions may be made under exceptional circumstances, asdetermined by the Program on a case-by-case basis. The first physical wiiv Card, if issued, is provided free of charge to the member. Should a member require asecond or more physical Cards for the same account, due to reasons includingbut not limited to loss or theft, the Program reserves the right to charge afee of Rs 250 for each additional card issued.

In most cases, you may use any form of payment (e.g., cash, credit card, debit card, scan to pay) accepted by a given Partner to make qualifying purchases that earn Points or provide relevant Discounts at the time of purchase.

1. Definitions

In these Terms and Conditions unless the context requires otherwise:

“Affiliate” means, with respect to any person, any person directly or indirectly controlling, controlled by or under the common control of such person and for the purposes of this definition.

“Control” shall mean possession, direct or indirect, of the power to direct or cause the direction of the management and policies of a person, whether through the ownership of voting securities, through the ability to appoint a majority of the board of directors or similar management body, by contract or otherwise howsoever.

"Applicable Laws" means any law, regulation, regulatory requirement, judgment, order, direction or any other act of any government entity of Mauritius.

“App” refers to the mobile application available for Apple and Android operating systems, downloadable from of App Store for Apple or Google Play Store and Huawei App Gallery for Android.

“Digital card” is the visualization of the membership card through the App, which may be used at some Partners (i) for authentication purposes, and/or (ii) to use some of the benefits.

"Card" means a physical membership card issued in respect of the Program.

“Discount Partners” means IBL Companies participating in the Program and providing the Members with relevant Discounts.

“Discounts” means those offered by the Discount Partners and referred to in paragraph 5.1.

“EARN Partners” means IBL Companies participating in the Program, from which Members are eligible to earn Points.

“ENJOY Partners” means IBL Companies participating in the Program, at which Members are eligible to redeem Points.

"Fraud" means any conduct which is fraudulent, dishonest and deceitful. Such conduct includes, but is not limited to any of the following:

a. knowingly supplying incorrect information to accrue Points;

b. using or attempting to use stolen or counterfeit Cards;

c. using or attempting to use stolen or counterfeit vouchers;

d. attempting to accrue Points or Rewards from Partners dishonestly;

e. selling, bartering and/or purchasing Points or Rewards including attempting to sell or transfer Points or Rewards by means of internet-based sales or auctions otherwise than as may be permitted under these Terms and Conditions;

f. attempting to use Points or obtain Rewards dishonestly;

g. knowingly benefiting from the Fraud or Misconduct of another Member or individual; or

h. using the Card to purchase on behalf of a corporate, wholesaler, distributor or any other entity other than for domestic, household purchases.

“IBL Company” means IBL or any of its Affiliates or any other company in which IBL, directly or indirectly, holds interests.

"Member" means the person who is a member of the Program and whose name is registered against a Membership Number.

"Membership" means membership of the Program.

"Membership Number" means the Membership number allocated to a Member in accordance with these Terms and Conditions.

"Member Registration Data" means data personal to a Member collected when registering for the Program.

"Misconduct" includes:

• failure to comply with these Terms and Conditions;

• misconduct whilst using any Partners facilities;

• providing Registration Information which is untrue, inaccurate, not current or incomplete; or

• misconduct in dealing with our staff or the staff of any Partner.

"Partners" means IBL Companies participating in the Program, from which Members are eligible to earn Points, use Points, or receive discounts or promotions as the case may be.

“Payment” means payment either by redeeming Points, or using cash, debit card, credit card or any other method as may be accepted by the Partner in accordance with the terms of the relevant offer.

“Program” means the wiiv rewards program operated by us pursuant to which Members earn Points and/or Discounts from Partners.

“Registration Partners” refers to Partners where Members can register for the Program in store. Registration Partners include all Winners stores, MedActiv La Chausee (Port Louis) and MedActiv Phoenix Mall.

“Reward” means any special benefit offered by the Partner to Members exclusively, including but not limited to Discounts and Points.

“Transactional Data” means any information collected by a Partner in respect of transactions between the Member and that Partner.

“Virtual or Digital Card” means a digital representation of the Card available on the App.

"Website" means the online pages applicable to the Program available at www.wiivrewards.com or such other domain name as made available from time to time.

“wiiv”, “we”, “us” “our” means IBL Ltd, a public company limited by shares incorporated and existing under the laws of Mauritius and bearing company number C1778 with business registration number C07001778 and having its registered office address at IBL House, Caudan, Port Louis.

"wiiv Points” or “Point(s)" means the points earned by a Member under the Program and credited to a Member's account for spending at Enjoy Partners.

2. Membership of the Program

2.1 Membership Eligibility

2.1.1 Only individuals who:

a. are 18 years of age or older,

b. habitually reside in Mauritius, and

c. hold a valid National Identity Card ("NIC") or Residence Permit ("RP") in Mauritius,

may apply for Membership.

2.1.2 Membership is offered at our discretion and we may refuse Membership to any applicant without assigning any reason.

2.2 Membership Application

2.2.1 Quick Enrollment

An individual may directly apply for a Membership to the wiiv Program at any Winners outlet. The application at the tilt will be the first step of the registration known as Quick Enrollment, during which it is mandatory for the applicant to provide his/her National Identity Card (NIC) and mobile number.

This information will be stored in wiiv’s system. Upon completion of Quick Enrollment, the applicant will be able to start earning points. The applicant will receive an SMS to confirm his/her Quick Enrollment, including his/her digital wiiv membership number and a One-Time Password (OTP). The applicant will have 72 hours to complete the full enrollment process (see clauses 2.2.2 to 2.2.7 below) and will need this OTP to finalise his/her registration. Failure to do so will result in the automatic deletion of the applicant's wiiv account, personal data, and accumulated points.

2.2.2 Full Enrollment

An individual may apply for Membership by joining the program online through the wiiv App or in-store at one of the Registration Partners. All applications are made via a digital form, with no hardcopy application form required. Applications may be made at any time through the App. Applications at Registration Partners will only be available during their respective operating hours.

2.2.3 Membership applications must state the applicant's title, first name, and family name as stated on the NIC or RP, the NIC or RP number, the date of birth, the city of residence, the email address and the Mauritian mobile number for correspondence (collectively referred to as “Registration Information”). Each NIC/RP, email address, and mobile number must be unique in our system, hence only one Account can be registered per NIC / RP number, email address, and/or mobile number. To verify the accuracy of the information, the applicant will receive an OTP on his/her phone, necessary for the process, and an email with a link to confirm his/her email address.

Additionally, the Member must register to wiiv with the same email address used for registration at other program partners, like the Winners online shopping portal, to fully benefit from those partnerships. Failure to do so might result in the Member not being able to link his/her wiiv Card to their Winners online shopping profile.

2.2.4 Multiple Membership is not permitted, and each Member must maintain only one Account. In case of duplication of Membership, only one Membership (the first Membership approved by us) will be maintained and all subsequent Memberships will be cancelled. Any Points accumulated in respect of the cancelled Memberships will then be forfeited.

2.2.5 All Registration Information provided during enrolment and throughout your interactions with wiiv must be true and accurate. You must promptly update your Registration Information, as and when necessary to keep it true, accurate, current and complete. You are responsible for all activities related to your wiiv Account and for maintaining the confidentiality of your username and password.

2.2.6 Additionally, you must acknowledge receipt of these Terms and Conditions, and consent to our Data Privacy Notice to complete the enrolment process. Opting-in to our marketing communications is not mandatory, however highly recommended, as this is the channel that we will use to keep our Members updated on our Partners, offers and special events, and rewards which might be of interest to them.

2.2.7 Certain features of wiiv are only available online. We encourage you to enroll via the App and regularly check your Account in order to access all features of the Program.

2.3 Membership Card

2.3.1 Applicants registered as Members will be given a Membership Number.

This applies to any registration, not only in stores. Upon request and after registration through our App, or Registration Partners, Members can receive a physical Card immediately from any of our Registration Stores. The new Membership Number will then overwrite the previously assigned Membership Number.

Members do not need a physical Card if they have their NIC in their possession. To earn or redeem Points at our Partners, Members need to present one of the following at the time of purchase:

• NIC alone, if accurate in wiiv’s system, is sufficient to authenticate yourself and benefit as Member at our following Partners: Winners, MedActiv, Eagle Insurance.

• Your wiiv Card is accepted at all our Partners, however, please note that you might be asked to produce your NIC or RP along with your wiiv card. This is only to make sure no one else is using your wiiv Card on your behalf. If you are a RP holder, you will need to carry your wiiv Card or App to authenticate yourself at some partners such as Winners, MedActiv or Eagle Insurance. This is because RP’s do not have a barcode, as NIC’s do, which allows us to quickly authenticate you.

• The Digital Card in the wiiv App is generally accepted by most partners. However, if a partner location, such as certain Winners stores, cannot scan the Digital Card, members will need to present their NIC to authenticate and secure benefits. If authentication fails at the point of purchase because the Digital Card cannot be scanned, the member will not earn benefits from that purchase.

• Members for whom it is impossible to access the wiiv App may request a physical Card at the wiiv office. Issuing a new physical Card results in a new Membership Number, which replaces any previously assigned number.

2.3.2 The wiiv Card will remain the property of IBL. IBL reserves the right to decline to issue, re-issue or withdraw the wiiv Card at any time.

2.3.3 The wiiv Card is not transferable.

2.3.4 For all lost, stolen or defaced cards, please visit your nearest Registration Partner to collect a new one as soon as possible or visit our App (go to ‘More’ and click on ‘Freeze My Card’ to temporarily freeze your lost, stolen or defaced card, until you request a new Card). Please note that for every physical card lost for the second time and onwards, an amount of Rs 250 will be charged for linking a new physical card to your wiiv account. A new physical card is offered to members only in a case lost card for the first time.

2.3.5 It is your responsibility to safeguard your wiiv profile username and password details and ensure that it is not divulged to anyone. In the event of someone else using your username and password to make changes to your profile or transact on your behalf, we will not be held responsible for the changes and the outcome thereof.

2.4 Membership Account

2.4.1 Applicants will be admitted to Membership on the date they register via the wiiv App, or at a Registered Partner. By registering, Members agree to be bound by the Terms and Conditions (as may be amended from time to time) and the information which may be posted on the Website and in the App.

2.4.2 Each Member must give us immediate notice of any changes to their Registration Information such as name or preferred email or mobile contact details and if requested by us, written proof of any such changes. Members can at any time update their personal information (name, email address, phone number, residential location only) and through the wiiv App or by contacting the wiiv customer support. The NIC and date of birth will purposefully not be editable after registration. This is to secure this key information that we might use to authenticate Members when calling our call center, for example, and also to make sure we do not register members below 18 years old. If you made a mistake at registration and wish to change your NIC or date of birth, please send a copy of your NIC/RP to the contact inbox of the Programme that you will find under Contact us in our web, and one of our customer service agents will be in touch to confirm the requested change.

2.4.3 Correspondence will be sent to the Member's email address or mobile number (as applicable) provided on the Member's profile.

2.4.4 We will not be responsible for late, lost or misdirected mail.

2.4.5 Correspondence from Members should be sent to contactus@wiivrewards.com

2.4.6 It is your responsibility to keep any information that might allow access to your Membership secure. We will not be held responsible if a person is able to redeem Points on your account as a result of you not taking appropriate care of your Membership details. If you lose or accidentally reveal your Membership Number or password details or lose your Membership Card, you should contact us immediately.

2.4.7 We reserve the right to audit a Member's account and records without notice to the Member to check for compliance with these Terms and Conditions and any other applicable rules, regulations or terms and co

2.5 Termination of Membership

2.5.1 Membership will terminate automatically:

• when a Member has not earned or redeemed Points at any of our EARN, or ENJOY Program Partners in 12 consecutive months; consequently, all accumulated Points will expire and their wiiv Account Deleted; or

• upon the death of the Member, Points accumulated but unused at the time of death shall be cancelled together with Membership to the Program; or

• if we reasonably believe that you have committed an act of Fraud or Misconduct against us or any Partner.

2.5.2 Members may terminate their Membership at any time by contacting our customer service and stating that they no longer wish to be a Member. Any such termination will result in the cancellation/fotrfeiture of any Points accumulated.

2.5.3 In case of Fraud and/or Misconduct, we may forfeit all accrued and accruing Points of the Member and any Rewards at the time of cancellation of the Membership.

2.5.4 In the event of the termination of Membership any physical Card (if applicable) must be returned to us or destroyed.

2.6 Termination of the Program

2.6.1 We may terminate the Program at any time in our sole discretion with no liability to you. If we do so, we will publish a notice on the Website and/or email you to let you know.

2.6.2 If IBL ends the Program, Rewards and/or Points accumulated but not used will expire on the date the Program ends. Accumulated but unredeemed Rewards and/or Points shall be void after such date.

2.7 Changes to the Program

2.7.1 IBL reserves the right, at our sole discretion, to update, change or replace any part of these Terms & Conditions at any time and without prior notice to Members, including but not limited to:

• end or cancel the Rewards;

• change any Reward or benefit we offer;

• change the requirements for earning Points or a particular Reward;

• change the time you have in which to earn or redeem a particular Reward; and/or

• change any other feature of the Program, including the Participating Partners.

2.7.2 The latest version of Terms & Conditions will be available on the Website.

2.7.3 Members shall be deemed to have agreed to any modifications, withdrawal, amendment or additions to the Program if, after we have notified you of the changes, you continue to participate in the Program.

2.7.4 Members who do not wish to accept changes to the Program may terminate their Membership in the manner described in Section 2.6.3.

3. Points

3.1 Earning Points

3.1.1 As a benefit of being a Member, you can earn and receive Points by making qualifying purchases at the EARN Partner.

3.1.2 You will not receive Points in respect of the following non-qualifying purchases:

• Winners: tobacco, gas, prepaid mobile cards, dépôt (consignee), packaging and delivery charges;

• Eagle Insurance: medical, travel and commercial insurance policies.

3.1.3 Members can start earning Points immediately once registered either in-store or online.

3.1.4 The Points will be recorded in the Member's personal account and you can track your Points and Rewards by logging into their account on the wiiv app and by viewing the “Transaction” tab.

3.1.5 Members can only earn Points by presenting their wiiv Card (physical or Digital card via the App) or their NIC/RP when making qualifying purchases at EARN Partner locations. Failure to present your wiiv Card or App at the time of purchase (or failure to enter the right membership identifier in Ala-lila online portal), will result in a Member not earning the eligible Points for the transaction. Furthermore, it is not possible to earn wiiv Points retrospectively for transactions in the past where the wiiv Card or App has not been presented or the correct Membership identifier has not been provided.

3.1.6 The EARN Partners are:

• Winners

• MedActiv

• Eagle Insurance

• Ala-lila

3.1.7 Points are accumulated in your account at varying levels at each EARN Partner. You will earn the following number of Points when you buy at the following EARN Partners:

• Winners:
  - 1 Point for every Rs 200 qualifying spend at any Winners stores, excluding products on promotion (that is products on which you receive an instant discount or bonus points) and excluding non-qualifying purchases;
  - 5% in wiiv Points on all Leaderprice and Casino products, excluding products on promotion (that is products on which you receive an instant discount or bonus points);
  - Exclusive bonus Points on a selection of hundreds of additional products every day;
  - Scan to pay and earn 1 bonus Point on every Rs 200 spent digitally.

• MedActiv: 1 Point for every Rs 200 qualifying spend in store at any MedActiv stores.

• Eagle Insurance: 2 Points for every Rs 100 qualifying spend on individual motor, leisure crafts or home insurance premiums bought directly from Eagle Insurance (not through abroker).

• Ala-lila: 4 Points for every Rs 100 qualifying spend on rides booked through the Ala-lila App or website. Your wiiv ID must be correctly registered in your Ala-lila account.

3.1.8 Members will earn Points on the total amount spent including VAT and after any applicable discount (net price). Only whole Points will be allocated after the corresponding calculation of Points (example: a member who is eligible to earn base points on a qualifying spend of Rs 300 at Winners will be allocated 1 Point, not 1,5Points). This excludes money spent on excluded purchases referred to in paragraph 3.1.2.

3.1.9 Points cannot be redeemed until they have been recorded in the Member's personal account. We shall endeavor to reflect any accrued Points in your account within 4 business days of your purchase, but it may take up to 45 days in some cases.

3.1.10 Opportunities to earn extra wiiv Points may be given at our sole discretion.

3.1.11 We reserve the right to change, without prior notice, the number of Points awarded for purchases at any time during the Program.

3.2 Points Balance & Pending Points

3.2.1 We will update your Points balance based on the instructions received from the Partners. If the information or instructions given by the Partners are not accurate, you may have to contact them directly. We recommend that you monitor your Points transactions in your account to ensure that your account is accurate. wiiv is not responsible for any failure or delay of a Partner to provide it with the necessary information to credit Points to your account.

3.2.2 IBL reserves the right to hold Points relating to certain purchases (including purchases with a high possibility of the products being returned) in a pending status for up to 45 days (“Pending Points”). Pending Points will not be accounted for if you return such items within the 45 days period. After such period your account will be credited with such Points if the items are not returned.

3.2.3 We will determine in respect of which purchases we shall exercise our discretion to hold the Points as provided under this section. If we hold Points, you will be able to see them in your wiiv account as pending, but you will not be able to use them until we release them to your wiiv account.

3.2.4 We may deduct from the Points balance in a Member’s account any Points credited in error and any Points relating to a purchase which is cancelled or reversed or where a refund is given.

3.2.5 In cases of dispute about entitlement to Points, we may require proof of a transaction with the relevant Partner. Claims in respect of Points must be lodged with the Partner within 30 days of the purchase.

3.2.6 Members will not be able to transfer Points from one Member account to another.

3.3 Points Expiry

3.3.1 If a Member has not conducted any earn or redeem transactions as a loyalty member with any EARN or ENJOY Program partner within a consecutive period of 12 months (has not earned Points, or redeemed Points), the account will be permanently and irreversibly deactivated and all Points that have accrued to that date will expire.

4. Points

4.1 Redeeming Points

4.1.1 You will be able to redeem your Points for purchases made at the ENJOY Partners, by directly using Points as a payment type at the time of purchase.

Points value: 1 Point = 1 Mauritian Rupee

4.1.2 A minimum of 1 Point is required before redeeming them at any of the ENJOY Partners (Winners and MedActiv) and using them in exchange forproducts or services offered by the said ENJOY Partner.

4.1.3 We reserve the right to change the conversion value of Points at our sole discretion and without prior notice. Members will be notified accordingly via email and on our Website.

4.1.4 Points cannot be exchanged for cash and have no cash value. Points cannot be purchased, redeemed for cash or any other monetary value or currency, or used to pay any credit card or other credit devices.

4.1.5 Points are not your property. Points are issued without separate payment or other consideration by you and exist at the sole discretion of wiiv as part of the Program.

4.1.6 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/judicial separation.

4.1.7 To redeem your Points towards your next purchase, you are required to use your applicable wiiv Card or the App before paying. At any point in time members might be asked to produce their NIC or RP along with the wiiv or digital Card, for secured authentication. In cases where Partners provide online booking services or call center assistance, Members must provide their NIC/RP or wiiv Card number when using those services and provide any other requested authentication information as applicable to ensure the Member’s account safeguard.

4.1.8 To redeem 200 points and more, the Member will receive a one-time-password (OTP) via SMS on the mobile number registered in their wiiv account. The Member will have to give the OTP to the cashier to confirm the redemption transaction. This is a measure of security applied for all redemption transactions as from 200 points.

4.2 Enjoy Partners

4.2.1 You can redeem your Points in the following ways:

• Use your Points to exchange for goods or services at the ENJOY Partners, Winners and MedActiv.

4.2.2 Visit https://www.wiivrewards.com/wiiv-benefits to see a full list of where you can use Points.

5. Discounts & Special Offers

5.1 wiiv offers Members exclusive discounts through the Discount Partners, namely:

• Eagle Insurance: 5% discount on individual motor, leisure crafts or home insurance premiums bought directly from Eagle Insurance (not through a broker);

• The Lux Collective Hotels (specifically LUX*Grand Gaube, LUX* LeMorne, LUX*Belle Mare, Tamassa Bel Ombre, and SALT Resorts): 15% discount on F&B / spa / day use packages, and 5% discount on Mauritian room rates when booked online on the email address reservation@theluxcollective.com or by call on 698 2727.
  Also, at Iles Des Deux Cocos: 5% off F&B and Day use packages, and 5% off existing MRU rates

  when booked online on the email address reservation@theluxcollective.com or by call on 698 2727.

  Program discounts will be at the sole discretion of The Lux Collective Hotels depending on the hotels and outlets availability.

  The Membership does not allow Members automatic access to the Lux Collective hotels and Members need advanced booking. Each Member will be allowed to book only a room for his/her personal use and invite a maximum of 8 guests for dining at the hotels’ restaurants.

• Gros Cailloux: 5% discount on leisure park activities (excl. quad biking) and food (excl. beverages);

• Arcadia Travel: 10% discount on tours, outdoor activities and airport lounges entries, and 25% discount on service fees.

• Espace Maison: 10% Discount on specific monthly deals. To benefit from the wiiv program at Espace Maison, wiiv members must register to the Club Espace Maison (CEM) app and add the secret wiiv code in your CEM account.

5.2 Each Discount Partner may, at its sole discretion, offer additional discounts on various products and services. Visit the Our Partners page in our App or ‘wiiv Benefits’ page on our Website to view the full details of how to receive your Discounts.

6. Returns Policy and Points debit/credit

6.1 In the event you return a product at Winners, for which you paid partially or entirely with Points, Winners will return the rupee value of the redeemed Points used to purchase the product in cash. Winners reserves the right to deduct the value of Points earned from the returned amount in cash. If the product is only exchanged for another one of similar or superior value, the reversal of redeemed Points will not be necessary, and you can keep the Points originally earnt for that product. However, if all items on a receipt are fully returned, the Points initially earned on the total receipt will be deducted. Please note that you will not earn additional Points for any additional value paid for the new product.

6.2 In the event you return a product at MedActiv, for which you paid partially or totally with Points, we will return the redeemed Points used to purchase the product by crediting your account based on the rupee value of the return. In the same way, we will deduct the corresponding Points earnt when you first purchased that product.

6.3 In the event you return or cancel an insurance policy at Eagle Insurance, for which you paid partially or totally with Points, we will return the rupee value of the redeemed Points used to purchase the product in cash. Eagle Insurance reserves the right to deduct the value in rupees corresponding to the number of Points earnt from that purchase.

6.4 In any case, we reserve the right to reverse the Points earned on the returned or exchanged product by deducting the Points earned on such product from your account. Should you not have sufficient Points in your account, your Points balance will be negative. Once you earn new Points, such Points will be set off against the negative balance.

7. Technical issues/system errors

7.1 As the Program operates through the Partners’ systems and also relies on communication networks, electricity networks, etc. which are beyond our control, we cannot always ensure that the Program operates at all times. However, we will make all reasonable efforts to ensure our system supports our Partners’ operations in connection with the Program.

7.2 In the event of a technical error, system(s) or network failure, system upgrades at the time of a transaction, Points allocations, redemption, and/or Discounts will not be processed and/or issued.

7.3 The Partner may, in its sole discretion, decide to issue any rewards relating to the Program in the circumstances referred to in paragraph 7.2. The Partners may, in its sole discretion, allocate the Points after your purchase if you are authenticated at the time of reconciliation on the system using your Membership Number, NIC or residence permit (RP). However, we reserve the right not to allocate any Points if the transaction is processed offline due to a system failure.

8. Member Data

8.1 Your Profile Information

8.1.1 By becoming a Member of wiiv, you agree to provide us with your Registration Information. Furthermore, you commit to regularly update and maintain your information to ensure its accuracy at all times.

8.1.2 Any Registration Information you provide to us will be subject to wiiv’s Data Privacy Policy, as amended from time to time.

8.2 Your Account Activity
When you enroll into the Program, you authorize us and the Partners to collect information about your activities as recorded in your Membership account (“Account Activity”), which may include the items or services that you purchased, any offers that you redeemed, or any other information relating to your transaction.

8.3 Authorization for wiiv to use and share your Information
You authorize us to use and share your Registration Information and Account Activity in accordance with the wiiv Data Privacy Policy, as amended from time to time, in our sole discretion.

• Sharing your Registration Information with our Partners;

• Using your Registration Information and Account Activity to evaluate, develop, offer and promote our Partners’ products and services to you; and

• Combining your Registration Information and Account Activity with that of other Members in order to create aggregated reports that we may share with our affiliates, Partners, or other non-affiliated third parties.

8.4 You can obtain a copy of the wiiv Data Privacy Notice by clicking here or calling our customer service center at 203 2222.

9. Limitation on Liability

IBL is not responsible for any liability due to loss or theft of the wiiv Card, nor for any unauthorized use and/or fraudulent actions with the wiiv Card. Except for cases of deliberate misconduct or gross negligence, IBL is not liable for any loss in relation to or due to not being able to use, not being able to use in time and/or not fully able to use the wiiv Card and/or the App, for whatever reason. Besides, IBL is not liable for any loss arising from the use and the trust in the information about the benefits of the wiiv Card. In case of any alleged fraud or misuse, IBL has the right to forfeit the benefits of the wiiv Card and to terminate the Membership, as provided in section 2.5.1.

UNDER NO CIRCUMSTANCES, INCLUDING, BUT NOT LIMITED TO, NEGLIGENCE, SHALL ANY OF IBL, ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AND THEIR PROMOTION AGENCIES (“RELEASED PARTIES”) BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES ARISING OUT OF THE PROGRAM OR MERCHANDISE OFFERED THROUGH THE PROGRAM, EVEN IF ANY OR ALL OF THE FOREGOING OR ANY OF THEIR AUTHORIZED REPRESENTATIVES HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IF IBL IMPROPERLY DENIES A MEMBER ANY POINTS, LIABILITY WILL BE LIMITED TO THE EQUIVALENT NUMBER OF POINTS. BY PARTICIPATING IN THE PROGRAM, A MEMBER WAIVES ANY AND ALL RIGHTS TO BRING ANY CLAIM OR ACTION RELATED TO SUCH MATTERS IN ANY FORUM BEYOND ONE YEAR AFTER THE FIRST OCCURRENCE OF THE KIND OF ACT, EVENT, CONDITION OR OMISSION UPON WHICH THE CLAIM OR ACTION IS BASED.

BY PARTICIPATING IN THE PROGRAM, EACH MEMBER HEREBY RELEASES THE RELEASED PARTIES FROM AND AGAINST ANY AND ALL CLAIMS, DAMAGES, LOSSES, LIABILITIES, AND OTHER EXPENSES (INCLUDING, WITHOUT LIMITATION, ATTORNEY’S FEES) RELATING TO THAT MEMBER’S PARTICIPATION IN THE PROGRAM, USE OF POINTS OR REWARDS, OR AGREEMENT TO THESE PROGRAM TERMS AND CONDITIONS. IBL IS NOT RESPONSIBLE FOR REQUESTS OR CORRESPONDENCE LOST OR DELAYED IN THE MAIL.

IBL makes no warranties or representations, either expressed or implied, with respect to type, quality or fitness of goods or services provided through the Program or by Participating Partners.
IBL will not be liable for any tax liability, duty or other charges in connection with the issuance of Points, redemption of Points and other Member benefits.

10. Severability

In the event that any provision of these Terms & Conditions is determined to be unlawful, void or unenforceable, such provision shall nonetheless be enforceable to the fullest extent permitted by applicable law, and the unenforceable portion shall be deemed to be severed from these Terms & Conditions, such determination shall not affect the validity and enforceability of any other remaining provisions.

11. Waiver

No decision of IBL to refrain from exercising or enforcing, or failure to exercise or enforce, its rights under any provision of these Terms and Conditions shall constitute a waiver thereof, or a waiver of the right of IBL to enforce any other provision of these Terms and Conditions, and no waiver by IBL of any violation of any provision or stipulation of these Terms and Conditions shall be deemed to be a waiver of any violation of any other provision or stipulation thereof.

12. Governing Law and Jurisdiction

12.1 These Terms and Conditions shall be governed by the laws of Mauritius.

12.2 You and IBL irrevocably agree that the courts in Mauritius shall have exclusive jurisdiction to settle any dispute or claim (whether contractual or non-contractual) arising out of or in connection with these Terms and Conditions, its subject matter or formation.

13. IBL Employees

Employees of IBL Companies may be eligible for IBL team member status when joining the Program (collectively referred to as “IBL Members”), which imply a different set of benefits at a different range of Partners than the other Members. The admission of any Member as an IBL Member is at the sole discretion of IBL.
Should any IBL Member wish to find out more about the associated benefits and rules applicable to the IBL team member, the IBL Member can get more information at the customer service center by calling at 203 2222 or via the available member portals (the App).
The wiiv Card issued to an IBL Member is for personal use and it is non-transferable. It is strictly forbidden for a Member with IBL team member status to lend his/her card to anyone, including but not limited to family members.
IBL will monitor fraudulent activities of any Member including an IBL Member. With regards to the latter, IBL reserves the right in the event of any suspected fraudulent activity to suspend the Membership of the IBL Member and to inform the human capital or human resource department of the corresponding company where the IBL Member is employed. Should such Fraud be established, the IBL Member may be subject to such disciplinary actions as applicable.