1. What credit is

RuufLink Purchase Credit is a credit toward future purchases on RuufLink™. It is not money, not a deposit, and not a gift card.

• Credit is non-transferable — it belongs to your RuufLink™ account only.
• Credit is not voluntarily redeemable for cash, except where applicable law requires otherwise.
• Credit has no value outside RuufLink™.

2. Using credit

• Credit is applied only when you choose to apply it at checkout. It is never applied automatically.
• The credit applied to a purchase can never exceed that purchase’s price.
• Credit can be combined with card payment: your credit covers part of the price and your card covers the rest.
• Where we allow it, a purchase may be paid entirely with credit.
• When more than one credit balance is available, we apply them in a fixed, predictable order.
• If a checkout is cancelled, fails or is abandoned, any credit held for it is released back to your balance.

3. Expiration

Assurance Credit does not expire. If we ever issue credit that carries an expiration date, that date is shown clearly on the credit itself before you rely on it.

4. Refunds

If a purchase is refunded, value returns the way it was paid: money paid by card goes back to the card, and value paid with credit comes back as credit. Credit is never converted into a cash refund. A card refund can never exceed the money actually charged to your card for that purchase.

5. Freeze and forfeiture

We may freeze unused credit or, in cases of fraud or serious violations of our Contractor Agreement, forfeit it. Both are explicit decisions made by a person at RuufLink™ and recorded with a written reason. Neither happens automatically.

• Frozen credit is not forfeited — it is simply unavailable to spend until it is unfrozen. Any credit being held for an in-progress checkout is released first.
• Suspending an account does not by itself freeze or forfeit credit. Those are separate decisions.