Gift Card Terms

The issuer and redeemer is the business named on the card. Cobbtree supplies the software that stores the code, balance and redemptions. Payment for an online or in-person purchase of the card is a client payment to that business, as described in the Payments Terms.

A business may sell cards in person, online, or as a gift to a named recipient. Face value, purchase price and any location restriction are those configured by the business. Partial use reduces the stored balance. Promotional issue is still a contract with the business.

Present the code at a participating location of the issuing business, subject to any location restriction stored on the card. The card is not cash. The business is not required to pay out unused balance as cash except where UK law requires it.

Cobbtree does not impose a platform-wide expiry period. A card expires only if the issuing business set an expiry date on that card. An expired, depleted, fully redeemed, voided or refunded card cannot be spent. Remaining balance is shown in the product where the customer or business looks the card up.

Treat the code like cash. The business may void a card for fraud or a refunded purchase. Chargebacks on the original purchase may lead the business or Stripe to reverse the card. Transfers follow whatever claim or share flow the product provides for that card.

If the issuing business closes, unused value is a claim against that business, not against Cobbtree, unless the law says otherwise.

Nothing here takes away statutory consumer rights. If a gift is unused and a cooling-off right applies to that particular distance contract, the business must honour it. Most in-person gift sales do not carry a 14-day cancellation right.