Sections
Last updated: 13 October 2026
1. General Information
These Terms & Conditions (“Terms”) govern your use of Tagpeak, including our website at www.tagpeak.com, our mobile applications for iOS and Android, and related services (collectively, the “Platform”).
Tagpeak is operated by Oasisfactor Lda (“Oasisfactor”, “Tagpeak”, “we”, “us” or “our”), a Portuguese company with its registered office at Rua Alfredo Allen, Nr. 455, 4200-135 Porto, Portugal, VAT number 517836416.
By registering for or using Tagpeak, you agree to these Terms. If you do not agree, you should not use the Platform.
These Terms govern the relationship between you and Tagpeak. Purchases made from partner stores are also subject to the respective merchant's terms and conditions.
2. How Tagpeak Works
Tagpeak is a shopping rewards platform that allows registered users to earn cashback (“Rewards”) on eligible purchases made through participating merchants (“Partners”).
Unlike traditional cashback services, Tagpeak offers Rewards whose value can increase based on financial-market performance.
When you make a qualifying purchase, Tagpeak may receive a commission from the Partner. Tagpeak invests part of its own revenue in financial assets, at its own risk, to support the potential growth of Rewards.
Users do not invest their own money, make financial contributions or acquire ownership of any underlying investments.
Rewards have a minimum value but may fluctuate above that minimum. The maximum cashback is 100% of the eligible purchase value, including any applicable loyalty-tier benefits.
Higher Rewards are possible but are not guaranteed. Historical performance does not predict future results.
Using Tagpeak is free for consumers. There are no subscription fees or additional charges imposed by Tagpeak for making purchases through the Platform.
3. Account Registration and Responsibilities
To earn Rewards, you must register for a Tagpeak account and provide accurate information.
You are responsible for:
• Keeping your account information accurate and up to date.
• Maintaining the confidentiality of your login credentials.
• Using the Platform lawfully and in accordance with these Terms.
• Providing accurate payment details when requesting withdrawals.
• Informing us promptly of suspected unauthorised account activity.
You must not create fraudulent accounts, impersonate other users, manipulate transactions or abuse Tagpeak's cashback, loyalty or referral programmes.
We may suspend or restrict accounts where reasonably necessary to investigate suspected fraud, security incidents or material breaches of these Terms.
Any such action will be proportionate to the circumstances and subject to applicable law.
4. Earning Rewards
4.1. Eligibility
To earn Rewards, you must:
• Be registered and logged into your Tagpeak account.
• Access the Partner through an eligible Tagpeak shopping link or use another approved tracking method, such as a designated promotional code.
• Complete the purchase according to the applicable Partner's conditions.
• Ensure that the transaction is successfully tracked and validated.
Cashback rates, eligible purchase amounts, exclusions and other conditions vary between Partners.
Specific conditions may include restrictions relating to product categories, taxes, shipping costs, gift cards, discount codes, cancellations or other factors.
The applicable information is made available on the relevant Partner's page or offer.
4.2. Transaction Tracking
Shopping links may rely on cookies or other tracking technologies to attribute purchases to Tagpeak.
For successful tracking, you should complete your purchase during the same shopping session initiated through Tagpeak.
Certain actions or technologies may interfere with tracking, including:
• Disabling or blocking relevant cookies.
• Using ad blockers or privacy tools that prevent tracking.
• Visiting other cashback platforms or affiliate links before completing the purchase.
• Using browser extensions that replace affiliate attribution.
• Applying discount codes or promotional offers that are incompatible with Tagpeak tracking.
Where tracking fails, a transaction may not qualify for Rewards.
If a purchase is missing, you may contact Tagpeak support. We will make reasonable efforts to investigate and, where possible, recover the transaction information.
However, we cannot guarantee the recovery or validation of transactions that cannot be verified through the relevant merchant or tracking provider.
Nothing in this section excludes any rights or remedies you may have under applicable law.
4.3. Transaction Validation
Qualifying purchases are generally recorded in your account dashboard, known as the Tagpeak Monitor.
A recorded transaction does not automatically mean that cashback has been approved.
Partners are responsible for validating transactions according to their purchase conditions, including applicable return, cancellation and service-fulfilment periods.
Validation may take several weeks or longer, depending on the merchant and the nature of the purchase.
Cancelled or fully refunded transactions do not qualify for cashback. Partial refunds may result in a proportional adjustment.
Transactions that do not satisfy the Partner's eligibility conditions may be rejected.
5. Cashback Calculation and Performance
5.1. Cashback Value
For qualifying purchases, cashback has a minimum value of 0.5% of the eligible purchase amount.
The initial cashback rate may vary by Partner and is not necessarily the same as the guaranteed minimum.
Rewards may increase, remain unchanged or decrease in value as a result of the performance of the financial assets selected by Tagpeak.
The maximum cashback is 100% of the eligible purchase amount, including applicable loyalty-tier boosts.
The value of each Reward is determined by Tagpeak's cashback calculation system and the performance of the investment associated with that Reward.
The performance of a Reward is not determined by the merchant, product or category purchased.
5.2. Investments and Financial Risk
Tagpeak invests its own funds, derived from its business revenue, in financial assets selected and managed at its discretion.
Users do not own these financial assets, make investment decisions or bear financial liability for Tagpeak's investment losses.
Tagpeak does not provide consumers with investment accounts, brokerage services or investment advice.
While users do not risk their own invested capital, the value of cashback above the guaranteed minimum is variable.
Tagpeak does not guarantee that a Reward will increase, achieve any particular return or reach 100% cashback.
Examples of previous Reward outcomes are historical illustrations and should not be interpreted as forecasts or guarantees.
6. Reward Lifecycle and Redemption
Rewards progress through different stages, which are displayed in your Tagpeak Monitor.
Tracked: The purchase has been recorded and is awaiting merchant validation.
Validated: The Partner has confirmed that the purchase qualifies for cashback.
Live: The Reward has been activated and its value updates daily based on the applicable performance. From this point, the user can request redemption.
Finished: The Reward has ended because it was redeemed, stopped or reached the end of its term.
Requested: A withdrawal of available cashback has been requested.
Paid: The withdrawal payment has been completed.
6.1. Reward Duration
Live Rewards generally run for approximately four to six months, although some may remain active for up to approximately twelve months.
The duration is determined by Tagpeak and is displayed through the relevant countdown in your dashboard.
At the end of the applicable period, the Reward is finalised and its resulting cashback becomes available for withdrawal.
6.2. Early Redemption
Once a Reward becomes Live, you may request to stop it and redeem its cashback at any time.
Redemption ends the Reward's exposure to future market performance once the stopping operation has been completed.
Tagpeak executes stopping requests as quickly as reasonably possible, taking into account applicable market trading hours and operational conditions.
The value displayed when a stopping request is submitted is indicative and is not guaranteed to be the final executed value.
Market movements, particularly when markets are closed or volatile, may result in differences between the displayed and final values. These differences may be significant.
Once redemption has been completed, the resulting cashback is credited to your available balance.
6.3. Reward Expiry
Rewards expire after three years of account inactivity, subject to applicable law.
Users are responsible for maintaining access to their accounts and monitoring their available Rewards and balances.
Any expiry will be subject to mandatory legal requirements, including any applicable notification obligations.
7. Withdrawals and Payments
Once cashback has been redeemed or otherwise finalised, it becomes part of your available balance.
You may request a withdrawal when your available balance reaches at least €20.
Withdrawal conditions are as follows:
• Minimum withdrawal amount: €20.
• Withdrawal currency: Euros.
• Withdrawal destination: A verified bank account belonging to the user.
• Withdrawal fees charged by Tagpeak: None.
• Payment processing: Within two business days of a valid withdrawal request, subject to any necessary account and payment verification.
You are responsible for providing accurate bank details and any reasonable verification documents required to process your payment.
Incorrect or incomplete payment information may prevent or delay withdrawal.
If you experience a payment issue, contact contact@tagpeak.com.
8. Loyalty Programme
Tagpeak operates a loyalty programme with three membership levels: Member, Silver and Gold.
Membership status can increase cashback benefits and provide additional rewards linked to eligible referrals.
All registered users begin at Member level and receive the standard applicable cashback rates.
Silver status is achieved through either:
• One successful referral; or
• €500 in cumulative qualifying spending through Tagpeak.
Silver users receive a 10% increase over the standard Member cashback rate and benefits corresponding to 5% of their referred friends' all-time cashback.
Gold status is achieved through either:
• Five successful referrals; or
• €5,000 in cumulative qualifying spending through Tagpeak.
Gold users receive a 20% increase over the standard Member cashback rate and benefits corresponding to 10% of their referred friends' all-time cashback.
The 10% and 20% increases are relative boosts to the applicable cashback rate, not additional percentage points.
The overall cashback limit of 100% of the eligible purchase value continues to apply.
Spending thresholds are cumulative, and membership status does not expire once earned.
When your membership level changes, the corresponding benefits apply to Rewards that are Tracked, Validated or Live.
They do not apply retrospectively to Rewards that are Finished or already Paid.
9. Referral Programme
Users may invite friends to Tagpeak using their personal referral links or codes.
A referral becomes valid only when the invited user completes their first validated purchase.
Account registration alone does not constitute a successful referral.
Once the referred user's first purchase is validated, that user also qualifies for Silver status.
Eligible referral benefits depend on the referring user's membership level, as described in Section 8.
Referral rewards are based on the referred friends' all-time cashback, subject to the applicable programme conditions.
Fraudulent referrals, including fake accounts, self-referrals, duplicate accounts or transactions created to manipulate the programme, are prohibited.
Tagpeak may reject fraudulent referrals or reverse benefits incorrectly awarded as a result of abuse, subject to applicable law.
10. Partner Merchants and Purchases
Purchases made through Tagpeak are completed directly with the relevant Partner.
The Partner is responsible for the sale and fulfilment of its products or services, including:
• Product descriptions, pricing and availability.
• Payment collection.
• Delivery and fulfilment.
• Returns, cancellations and refunds.
• Product warranties and applicable consumer rights.
Tagpeak provides the rewards service but is not generally the seller of the goods or services purchased from Partners.
Any complaints concerning the purchased products or services should ordinarily be directed to the relevant merchant.
Tagpeak remains responsible for its own contractual obligations relating to the Platform and Rewards.
Partner availability, cashback offers and eligibility conditions may change over time.
Changes will be communicated through the Platform where appropriate and will not override rights already acquired under applicable law.
11. Fraud Prevention and Misuse
Tagpeak reserves the right to investigate activity that reasonably appears fraudulent, unlawful or inconsistent with these Terms.
Examples include:
• Creating fake or duplicate accounts to obtain referral benefits.
• Manipulating purchase attribution.
• Submitting false transaction or payment information.
• Abusing promotional campaigns or loyalty benefits.
• Attempting to obtain cashback for cancelled, refunded or ineligible purchases.
Where justified, Tagpeak may suspend access, reject invalid Rewards, recover benefits obtained through fraud or terminate an account.
Any action taken will be proportionate, supported by the circumstances and subject to applicable consumer rights.
Users may contact Tagpeak to contest an account restriction or Reward decision.
12. Taxes
Tagpeak Rewards are intended to operate as cashback benefits linked to qualifying purchases, rather than returns on financial investments made by users.
The tax treatment of cashback and referral benefits may vary depending on the user's jurisdiction and individual circumstances.
Users are responsible for understanding and complying with any tax obligations applicable to them.
Tagpeak may comply with applicable reporting, withholding or other tax obligations where legally required.
Nothing in these Terms constitutes individual tax advice.
13. Platform Availability and Limitations
We aim to provide a reliable and secure Platform, but we cannot guarantee uninterrupted or error-free access.
The Platform may occasionally be unavailable because of maintenance, technical failures, third-party service interruptions or circumstances outside our reasonable control.
Temporary interruptions do not automatically invalidate Rewards that have already been properly earned.
We will take reasonable steps to investigate errors and restore affected services.
Tagpeak is not responsible for losses caused exclusively by circumstances beyond its reasonable control, except where liability cannot lawfully be excluded.
Nothing in these Terms limits or excludes liability for fraud, intentional misconduct, gross negligence or any other liability that cannot be excluded under applicable law.
14. Account Closure and Deletion
You may request closure and deletion of your Tagpeak account using the account-deletion functionality provided in the mobile application or by contacting contact@tagpeak.com.
Before closing an account, users should review their outstanding transactions, Live Rewards and available balances.
Where pending Rewards or balances exist, Tagpeak will explain the consequences of closure and the available options, subject to applicable law.
Certain records may be retained where necessary to comply with legal obligations, prevent fraud or resolve disputes.
Additional information is available in our Privacy Policy.
15. Privacy and Cookies
Your personal data is processed in accordance with Tagpeak's Privacy Policy.
The Privacy Policy explains how we collect, use, store, share and protect your information, including data relating to transactions, Rewards, payments and Platform usage.
Cookies and similar technologies may be necessary for purchase tracking and attribution.
You can find further details about their use and your privacy rights in the Privacy Policy available on our website.
16. Changes to These Terms
We may update these Terms to reflect changes in the Platform, its features, applicable laws or operational requirements.
Where changes materially affect users' rights or obligations, we will provide appropriate advance notice where required by law.
Changes will not retroactively remove accrued rights or valid Rewards contrary to applicable law.
The latest version of these Terms will be available on the Platform, together with its effective date.
Your continued use of the Platform after lawful changes take effect may constitute acceptance where permitted by applicable law.
17. Applicable Law and Dispute Resolution
These Terms are governed by Portuguese law.
This choice of law does not deprive consumers of mandatory protections provided by the laws applicable to them.
Disputes will be handled by courts having jurisdiction under applicable law, including mandatory consumer jurisdiction rules.
If you have a complaint concerning Tagpeak, please contact contact@tagpeak.com so that we can investigate and attempt to resolve the matter.
Where applicable, consumers may also use recognised alternative dispute resolution mechanisms.
For consumer disputes within its jurisdiction, the Centro de Informação de Consumo e Arbitragem do Porto (CICAP) can be contacted through www.cicap.pt.
Consumers may also access Portugal's electronic complaints book at www.livroreclamacoes.pt.
Nothing in these Terms restricts your statutory rights to seek remedies from competent consumer protection authorities or courts.
18. Contact Information
For questions about these Terms, your account, transactions or Rewards, please contact:
Oasisfactor Lda
Operating under the brand name Tagpeak
Rua Alfredo Allen, Nr. 455
4200-135 Porto, Portugal
VAT Number: 517836416
Email: contact@tagpeak.com
Website: www.tagpeak.com
