Please read these Terms of Use carefully before using MOA Pay. These terms govern your use of the MOA Pay digital wallet and all related services.
1. Acceptance of Terms
By accessing or using MOA Pay, you agree to be bound by these Terms of Use and all applicable laws. If you do not agree with any of these terms, you are prohibited from using this service.
2. Eligibility
You must be at least 13 years of age to use MOA Pay. Users under 18 must have parental or guardian consent. By using the platform, you represent that you meet these requirements.
3. Account Registration
You are responsible for maintaining the confidentiality of your account credentials. You agree to notify us immediately of any unauthorized use of your account. We are not liable for losses from unauthorized access due to your failure to secure your credentials.
4. Gift Cards
Gift cards purchased through MOA Pay are non-refundable except where required by law. Cards have no expiration date unless otherwise noted. Lost or stolen card balances cannot be recovered without proof of purchase. Balances cannot be redeemed for cash.
5. NFC Wearables
MOA Pay wearables are physical devices linked to your digital wallet. You are responsible for the security of your linked device. Report lost devices immediately to prevent unauthorized transactions. MOA Pay is not liable for transactions made before a device is reported lost.
6. Payments & Transactions
All transactions processed through MOA Pay are final. Disputes must be raised within 30 days of the transaction date. We reserve the right to reverse or freeze transactions suspected of fraud.
7. Cashback & Rewards
Cashback rates and promotional offers are subject to change without notice. Cashback is credited to your account within 24 hours of a qualifying transaction. MOA Pay reserves the right to void rewards obtained through fraudulent activity.
8. Promotional Notifications
By using MOA Pay, you consent to receiving transactional and promotional notifications. You may opt out of marketing communications at any time through app settings, though transactional notifications cannot be disabled.
9. Prohibited Conduct
You may not use MOA Pay for fraudulent transactions, money laundering, or any activity that violates applicable law. Misuse of the platform will result in immediate account termination and may be reported to law enforcement.
10. Limitation of Liability
MOA Pay and Mall of America shall not be liable for indirect, incidental, or consequential damages arising from the use or inability to use the service, including but not limited to loss of funds due to unauthorized account access.
11. Changes to Terms
We reserve the right to modify these terms at any time. Changes will be effective upon posting to the app. Continued use of MOA Pay after changes constitutes your acceptance of the revised terms.
12. Governing Law
These Terms shall be governed by the laws of the State of Minnesota, without regard to its conflict of law provisions. Any disputes shall be resolved in the courts of Hennepin County, Minnesota.
Questions? Contact us at legal@mallofamerica.com