Points policy

This Points Policy explains how Fufild points work for employers and eligible users. It supplements Fufild's Terms of Service and, for employers, the applicable customer agreement. If a customer agreement states different terms for an employer's program, the customer agreement controls for that employer and program.

1. What Fufild Points Are

Fufild points are employer-funded service access units used within Fufild. They help eligible users access approved products and services across Fufild's Care-First categories: Enjoyment, Wellness, Convenience, and Growth.

Points are not money, cash, stored value, a bank account, a digital wallet, or a gift card. Points are service access units, not a promise to pay cash wages. They are not owned property, do not earn interest, and cannot be sold, transferred, exchanged, or redeemed for cash.

These characteristics do not determine the tax or payroll treatment of products and services obtained through Fufild. That treatment is addressed in Section 9.

2. Employer-Funded Programs

Employers determine whether to offer Fufild, which workforce members are eligible, and the amount of support made available under their program, subject to their agreement with Fufild. Fufild administers points according to the employer's program settings and the rules described in this Policy.

An employer's decision to provide or change access to Fufild is separate from Fufild's administration of the platform. Eligibility and allocations are established under the employer's program and may change as the program or a user's eligibility changes.

3. Monthly Support Periods

Points are made available for the applicable monthly support period. Unless Fufild or the employer expressly states otherwise, points do not roll over from one monthly support period to another.

At the end of the applicable support period, unused points reset and return to the employer's program. Users cannot preserve, bank, or transfer unused points for future periods.

4. Using Points

Points may be used only through Fufild for eligible products and services made available under the user's employer-sponsored program. Availability may depend on the employer's program design, the user's eligibility, the available point balance, marketplace offerings, provider requirements, geographic availability, and other program rules.

Fufild may use virtual cards or other payment methods provided by financial and payment service providers to facilitate approved purchases. A virtual card is a payment tool for an approved transaction. It is not a user bank account, does not convert points into cash, and may be restricted by amount, merchant, category, time, or other transaction conditions.

Users must not attempt to use points or a Fufild-enabled payment method for an ineligible purchase, to obtain cash, to buy cash equivalents, to transfer value to another person, or to evade program restrictions.

5. Marketplace Providers

Products and services available through Fufild may be offered and fulfilled by independent third-party providers. After a user makes a selection through Fufild, the user is directed to the applicable provider's website, application, or checkout experience to complete the transaction. The provider's terms and privacy notice govern account creation, eligibility, checkout, fulfillment, cancellation, and use of that product or service. Fufild facilitates access to approved products and services but does not control provider enrollment or checkout decisions and does not directly provide most marketplace services. Unless Fufild expressly states otherwise, a provider is responsible for the product or service it delivers.

6. Changes in Eligibility or Employment

Access to employer-funded points depends on current eligibility under the employer's Fufild program. If an employer reports that a user is no longer eligible, the user's access to unused points may end on the effective date provided by the employer or as otherwise stated in the applicable program terms.

Unused points associated with an ended or changed eligibility period return to the employer's program. Points cannot be moved to a different employer or transferred between Fufild accounts.

A product or service validly obtained while a user was eligible may remain subject to the applicable provider's fulfillment, cancellation, subscription, or refund terms. Continued service after employer-funded coverage ends may require the user to make separate arrangements directly with the provider.

7. Cancellations, Refunds, and Adjustments

If a transaction is canceled, declined, reversed, or refunded, Fufild may restore points, return funds to the employer's program, or make another appropriate adjustment based on the transaction status, timing, applicable support period, and provider or payment-service rules.

Points credited because of an error, refund, or reversal remain subject to the same eligibility and support-period rules as other points. Fufild may correct point balances and transaction records when reasonably necessary to address errors, duplicate credits, reversals, suspected misuse, or provider adjustments.

8. Account Security and Unauthorized Use

Users are responsible for protecting their account credentials and promptly reporting suspected unauthorized access or use. Fufild may pause a transaction, restrict an account, or investigate activity when reasonably necessary to protect a user, an employer, Fufild, or a service provider.

Report suspected unauthorized use to support@fufild.com . Fufild will review reported activity and determine available adjustments based on the circumstances, applicable law, and relevant provider rules.

9. Tax and Payroll Treatment

The employer-funded value of products and services obtained through Fufild is generally treated as a taxable fringe benefit and may be included in a user's taxable wages for payroll reporting and withholding purposes, as required by applicable law.

Fufild may provide the employer or its authorized payroll or HRIS provider with transaction and usage information needed to calculate, administer, and report taxable value. The employer is responsible for determining and administering applicable payroll reporting, withholding, employment-tax, benefits, and other legal requirements.

Tax treatment may depend on the product or service, the employer's program, applicable law, and the user's circumstances. Users are responsible for their individual tax obligations, if any. Fufild does not provide individual tax, legal, payroll, or employment advice through this Policy.

10. Misuse

Fufild may decline, reverse, or cancel transactions and may suspend or terminate access when it reasonably believes points, accounts, virtual cards, or marketplace services are being used fraudulently, unlawfully, contrary to program rules, or in a way that threatens users, providers, employers, or the platform.

11. Policy Updates

Fufild may update this Points Policy as its services and programs evolve. Material changes will apply prospectively unless a different effective date is required by law or an applicable agreement. The date below shows when this Policy was last updated.

12. Contact Us

Questions about points or a transaction: support@fufild.com

Legal notices: legal@fufild.com

Fufild, Inc., 1508 8th Avenue South, Nashville, Tennessee 37203

Last Updated: September 1, 2026