To participate in the Program you must:

1. Be at least 18 years old.
2. Have an active Four account in good standing.
3. Be actively subscribed to Four+ Program (“Subscription”).

2.1 Participating Retailers
Points are earned only on purchases made at retailers who participate in the Program ("Participating Retailers"). Certain retailers may be excluded from time to time at Four's discretion.

2.2 Dollar-to-Point Ratio
By default, you will earn a certain number of Points for every Dollar (cent) amount (USD) spent through Four at Participating Retailers (“Reward Ratio”). The Reward Ratio is determined and configured by Four in its sole discretion, and is subject to change at any time. The Reward Ratio may be configured differently for promotional periods or specific retailers.

2.3 Rounding Calculation
If the purchase amount is not evenly divisible by 2, Points will be rounded up or down to the nearest even-dollar amount. For example:

• $99.00–$99.99 → 50 Points
• $100.00–$100.99 → 50 Points
• $101.00–$101.99 → 51 Points

2.4 Pending Points
All Points earned from a purchase remain in a pending status until your final installment payment for that order has been successfully processed.

2.5 Timing of Points Credit
2.6 Late Payments
For any purchase, if you do not pay any installment for such purchase by the date it is due, Four reserves the right to not grant any Points related to such purchase.

3.1 Redemption Value
Each Point is worth a certain amount of Dollar (USD) determined in Four’s sole discretion when redeemed toward a new purchase made via Four. This redemption value is subject to change at Four’s discretion.

3.2 Minimum Redemption Threshold
Four may establish a minimum amount of Points necessary that you must have to apply towards a transaction (e.g. you must have 10 Points to apply Points toward an eligible transaction). Partial use under such minimum determined by Four is not allowed.

3.3 How Points Are Applied
Points are applied to the fourth (final) installment payment of your new Four order. If your available Points exceed the total amount of the fourth installment, any remaining Points will be applied in reverse order to the third installment, then the second, then the first, as needed, until the entire redemption amount is used or the total amount of your new order is fully covered.

3.4 No Cash Back
Points have no cash value and cannot be withdrawn or redeemed as cash.

3.5 Combining with Other Promotions

4.1 One-Year Expiry
Points expire one (1) year from the date they are earned and posted to your account. If you do not use them within this period, they will be automatically removed from your account.

4.2 Loss of Points on Four+ Unsubscription
If you unsubscribe from Four+ for any reason, all unused Points in your account will be immediately forfeited (see also Section 10).

5.1 Cancellations
5.2 Refunds

1. Following any refund that is completed, if the retailer subsequently recharges the same transaction associated with such refund, no Points will be reapplied to such transaction.
2. Four has no obligation to replenish or provide Points that were redeemed for a transaction and that was subsequently refunded.

6.1 No Limit on Points
There is no limit on the total number of Points you can earn, provided you remain subscribed to Four+ and comply with these Terms.

6.2 No Payment on Existing Orders
Points cannot be applied retroactively to existing open orders. Points may only be applied to new purchases and used to offset the future installments of those purchases.

6.3 Account Status
To earn and redeem Points, your Four account must be in good standing. Suspended or restricted accounts are not eligible to earn or redeem Points until the account is restored.

10.1 Voluntary Termination
You may cancel your Four+ Subscription at any time. Upon cancellation, any unused Points in your account are immediately forfeited.

10.2 Involuntary Termination
If Four terminates your Four+ Subscription or your access to the Program for violating these Terms or any other applicable terms, or for any other reason in Four’s sole discretion, all unused Points will be immediately forfeited.

10.3 Effect of Termination
Termination of your Subscription does not relieve you of any outstanding obligations (e.g., unpaid installments) under your Buy-Now-Pay-Later agreements with Four. Any such obligations remain in effect in accordance with their terms.

10.4 Reinstatement of Points
In the event your subscription is terminated or cancelled for any reason under any part of this Section 10, your points may be reinstated if, within 3 days of the end the Subscription Period (as defined in the Four+ Terms of Use) that such termination or cancellation took place, (i) you resubscribe to Four+, or (ii) Four reverses any Involuntary Termination and your Four+ subscription is reactivated.

11.1 No Guarantee
Four does not guarantee that you will earn any specific amount of Points, or that Points can be redeemed for any specific amount or type of benefit.

11.2 No Warranties
Except as otherwise provided by law, the Program is provided “as is” without warranty of any kind, whether express, implied, or statutory, including but not limited to the warranties of merchantability or fitness for a particular purpose.