Terms of Service

Effective date: November 11, 2026 · Last updated: November 11, 2026

These Terms of Service ("Terms") govern your access to and use of the SweepCard mobile application and related services (together, the "Service"), provided by ZenithStar Group LLC, a Texas limited liability company ("ZenithStar Group," "we," "us," or "our"). SweepCard is a product offering of ZenithStar Group LLC. By creating an account or using the Service, you agree to these Terms. If you do not agree, do not use the Service.

Important: SweepCard is not a bank account. The Coins reflected in your SweepCard balance are internal, closed-loop credit — not currency, a deposit, or a stored-value cash equivalent. SweepCard is not a bank, and Coins are not insured by the FDIC or any other government agency. See Section 2 for what Coins are and are not.

1. What SweepCard Does

SweepCard helps you recover small, otherwise-stranded balances remaining on retail gift cards. You submit a gift card's number, expiration date, and CVC/PIN along with the amount you believe remains on the card. SweepCard submits a single redemption attempt for that amount through our redemption partners. If the attempt succeeds, the redeemed value (minus our platform fee, see Section 4) is credited to your SweepCard Coin balance. If it fails, you may recheck the card's actual balance and try again with the same card — a failed attempt does not consume or invalidate the card.

2. The SweepCard Coin Balance Is Not a Bank Account

Value credited to your account takes the form of SweepCard coins ("Coins") — an internal, closed-loop unit of credit representing gift card value you have redeemed through the Service, similar in concept to airline miles or a store loyalty balance. Coins are not currency, a deposit, a security, or a stored-value cash equivalent, and holding Coins does not make ZenithStar Group a bank or your Coins an insured deposit. Coins have no cash value outside the Service and cannot be transferred to another user, sold, or redeemed for cash except as expressly described in Section 3.

3. Redeeming Your Coins

Once your Coin balance reaches the redemption threshold (currently $20.00 in coin-equivalent value; we may change this threshold prospectively, with notice through the app), you may redeem your Coins for one of the following:

A gift card from a participating retailer of your choosing, purchased wholesale by SweepCard through our redemption-partner relationships and delivered to you as a digital code. Gift cards are issued only in the fixed denominations available through our wholesale partners (starting at $20, in $5 increments). If your Coin balance does not evenly match an available denomination, you may redeem the largest denomination your balance supports; any remainder stays in your Coin balance rather than being forfeited. A redemption fee applies to every gift card redemption (see Section 4).
A donation to a participating charitable organization, at any Coin balance, with no minimum threshold. All donations are subject to successful identity verification (see Section 5).
In-app features or spend, where and when we make such features available, at any Coin balance, with no minimum threshold.

SweepCard does not currently offer, and this Section does not create any right to, direct cash withdrawal, bank transfer, or peer-to-peer transfer of Coins. If we introduce a direct cash-out feature in the future, it will be offered under separate terms, gated by identity verification, and operated through a licensed banking or money-transmission partner.

Delivered gift card codes are final. Once a digital gift card code has been generated and delivered to your device, that redemption is complete and irreversible. We do not offer refunds, exchanges, or chargebacks for a successfully delivered code; if the code itself is defective or was never delivered due to a technical error on our end, contact us at the email in Section 16 and we will investigate.

4. Fees

SweepCard retains a platform fee on each successful card redemption, deducted before Coins are credited to your account. The current fee structure is disclosed to you within the app before you submit a redemption attempt and may vary by card, retailer, or promotional terms. We charge a redemption fee of 50 Coins (equal to $0.50 in coin-equivalent value) on every gift card redemption, deducted from your Coin balance in addition to the face value of the gift card. For example, redeeming a $20.00 gift card uses 2,050 Coins. We do not charge a separate fee for a charity donation or in-app spend, unless otherwise disclosed at the time of redemption.

5. Identity Verification (KYC)

Before you can accumulate Coins beyond a limited threshold, or redeem Coins, we may require you to complete identity verification ("KYC"), which can include providing a government-issued ID, a selfie for comparison, and other information required by our compliance partners. We reserve the right to suspend or decline to verify any account that fails this process, at our discretion, consistent with applicable anti-money-laundering (AML) regulations.

6. Card Submission Rules

By submitting a gift card to SweepCard for a redemption attempt, you represent and warrant that:

You are the lawful owner of the card, or have the card owner's express permission to redeem it;
The card was obtained lawfully; and
The balance you report is accurate to the best of your knowledge.

Attempting to submit a card you know to be stolen, fraudulently obtained, or that you do not have the right to redeem will result in immediate account suspension, forfeiture of any Coins obtained through that submission, and may be reported to our redemption partners, payment processors, and, where legally required, to law enforcement. See our Privacy Policy for how card data is technically handled.

7. Eligibility

You must be at least 18 years old and a legal resident of the United States to use SweepCard. By using the Service, you represent that you meet these requirements.

8. Prohibited Conduct

You agree not to: submit gift cards you do not own or lack the right to redeem; attempt to circumvent our fraud detection, KYC, or rate-limiting systems; use automated tools, bots, or scripts to interact with the Service; create multiple accounts to evade balance thresholds or fraud controls; or use the Service for any unlawful purpose, including money laundering or structuring transactions to avoid reporting thresholds.

9. Account Suspension and Termination

We may suspend or terminate your account, and freeze or withhold your Coin balance and any pending redemptions, at our sole discretion, if we reasonably suspect fraudulent activity, money laundering, or a violation of these Terms. If your account is terminated for reasons other than fraud or a Terms violation, we will make commercially reasonable efforts to allow you to redeem any legitimately earned Coin balance before closure. If your account is terminated for fraud, submission of stolen or unauthorized cards, or a material violation of these Terms, your Coin balance may be forfeited.

10. No Guarantee of Redemption Success

We do not guarantee that any card redemption attempt will succeed. Redemption depends on factors outside our control, including the accuracy of the balance you report, the card issuer's systems, and our redemption partners' processing. A failed attempt does not entitle you to compensation beyond the ability to retry with corrected information using the same card.

11. Disclaimers

THE SERVICE IS PROVIDED "AS IS" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT, TO THE FULLEST EXTENT PERMITTED BY LAW. WE ARE NOT RESPONSIBLE FOR A DIGITAL GIFT CARD CODE THAT IS LOST, STOLEN, OR EXPIRES AFTER IT HAS BEEN SUCCESSFULLY DELIVERED TO YOUR DEVICE.

12. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, ZENITHSTAR GROUP LLC AND ITS OFFICERS, EMPLOYEES, AND PARTNERS WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF THE SERVICE. OUR TOTAL LIABILITY FOR ANY CLAIM RELATING TO THE SERVICE WILL NOT EXCEED THE GREATER OF (A) THE COIN-EQUIVALENT VALUE IN YOUR ACCOUNT AT THE TIME OF THE CLAIM, OR (B) $100.

13. Changes to These Terms

We may update these Terms from time to time. If we make material changes, we will notify you through the app before the changes take effect. Continued use of the Service after changes take effect constitutes acceptance of the updated Terms.

14. Governing Law

These Terms are governed by the laws of the State of Texas, without regard to its conflict-of-laws principles.

15. Dispute Resolution

Any dispute arising from these Terms or the Service will be resolved in the state or federal courts located in Texas, and you consent to the personal jurisdiction of those courts.

16. Contact Us

Questions about these Terms can be sent to sweepcard@zenithstar-group.com.

ZenithStar Group LLC · A Texas Limited Liability Company · SweepCard is a product of ZenithStar Group LLC