Loyalty program merchants must obey the rules that apply to changes made to an exchange unit agreement or expiry date.

Changing the conditions

A merchant offering a loyalty program may change your rewards program agreement, but only in certain cases and under certain conditions. Other changes are prohibited. Refer to the pages titled Changing an Indeterminate-Term Contract and Changing a Term Contract to find out more.

Expiry of exchange units

Generally speaking, exchange units (points, dollars, stamps, etc.) that you receive remain valid. They can only expire if certain specific conditions are met. The page titled Expiry of Exchange Units provides more details.

Exemptions for "small" programs

Some merchants are not required to follow these rules. Refer to the page on the programs not covered.

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Last update : May 3, 2021

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The information contained on this page is presented in simple terms to make it easier to understand. It does not replace the texts of the laws and regulations.