the mall@ More Rewards Web Site Policy
The disclaimer and privacy policy of the website apply to the More Rewards online shopping mall. In addition to the aforesaid, the following additional terms and conditions may apply.

Points Offers
Base offer: Earn one (1) More Rewards® point for every full dollar ($1.00) CDN that you spend per transaction per online store (excluding shipping, handling, duty and taxes). OFG reserves the right to change the base offer from time to time. Click online store logo on for individual offer details. All online stores are subject to change and may be withdrawn by OFG without notice at anytime. Member must sign in to their account at and connect to online store through the mall before purchasing in order to earn points. Points will typically be issued within 2 business days. Certain situations may require up to fourteen days for your points to appear in your account.
Multiplier Offers: LIMITED TIME OFFERS. More Rewards® point multiplier offers apply to the total base points earned on a qualifying purchase amount (excluding shipping, handling, duty and taxes).
Online store offers: Individual merchant offers are subject to change without notice. Product information including price, availability, sales tax, and estimated shipping costs are provided by merchants. OFG assumes no responsibility for the accuracy or timeliness of information provided by merchants. See or specific online store for offer details and any restrictions.

Collection of information
The mall @ More Rewards website collects information on Customer activity through user navigation and the use of tools and functions available on (the “Website”). This information is to be used to understand and analyze Customers' responses, needs and preferences, and to develop, enhance, market and/or provide products and services to meet those needs. In addition, information collected may also be used for the specified purposes of More Rewards as outlined in the More Rewards Privacy Policy.

Privacy and Cookies
The More Rewards Website uses two types of "cookies": a "session cookie" and a second which allows us to "set" a cookie. A session cookie resides in memory and persists only as long as the browser is open. This cookie holds only the information that is uniquely generated when you log on to the site and persists only as long as your browser is open. Upon your departure from the Website and closure of your browser, the information in the session cookie is removed from memory. The Website will also set a temporary cookie to remember your first name so that your subsequent visits are personalized, but you will still be required to enter your username and password each visit in order to access your More Rewards account. In order for the Website online Account Balance and Statements, and other features to function, you must enable the session cookies setting on your browser. Please note that some merchant websites, and websites operated by third party affiliate program managers, may place cookies on your browser. More Rewards has no control over these merchant and third party affiliate program websites, or the cookies that may be placed by them on your browser. You are encouraged to review the privacy policies of these websites to learn about their use of cookies.

The More Rewards® Program
The terms and conditions of the More Rewards program govern all More Rewards points that you may earn by shopping at merchants linked to this Website. You are reminded that reward points may not be recorded in your account or, if already recorded, may be cancelled if the merchant from whom you have ordered goods or services tells us that the transaction between you and the merchant was cancelled (for example, because you returned or didn't pay for products or services for which the reward points were issued). Complete information concerning the More Rewards reward program is available at

Registration, Personal Identification Numbers and Passwords
Certain services and related features, such as access to the Website and personalization may require registration. You agree to provide accurate and current information as required by the relevant registration process, and to update the information as necessary in a timely way to ensure that it is kept accurate and complete. You agree to be responsible for:
  • maintaining the confidentiality of any personal identification numbers or password identifiers which you choose or are assigned as a result of any registration over the Website;
  • all activities that occur under such personal identification number or password; and,
  • notifying OFG of any unauthorized use of your personal identification number or password.
OFG shall not be responsible or liable in any way for any loss or damage arising from your failure to comply with these responsibilities.

Responsibility for Minors
You are fully responsible for:
  • the online conduct of an authorized minor;
  • controlling the authorized minor's access to and use of the Website and any such services;
  • the consequences of any misuse of the Website and any such services by the authorized minor; and
  • any purchases made by the authorized minor.
You accept responsibility to determine whether any of the services and/or Content are appropriate for an authorized minor and what access the authorized minor will be allowed.

You agree that OFG has the right to monitor the Website or any content, products or services (collectively, "Content"), from time to time and to disclose any information as necessary to satisfy any law, regulation or other governmental request, to operate the Website or any of the Services properly, or to protect itself or its users in accordance with the More Rewards privacy policy. By using the Website or the services, you may have access to Content that may be offensive or objectionable to you. More Rewards strives to maintain a proper and comfortable internet experience for its members and customers. If you encounter Content that you find objectionable or offensive, please contact us at Under no circumstances shall OFG be responsible or liable, directly or indirectly, for loss or damage of any kind as a result of any use of, or access to, any such Content.

Dealings with Merchants and Other Third Parties
Your correspondence or business dealings with any third parties, including any merchants or advertisers, found on, or through, the Website or any of the Services, are solely between you and such third parties. Further, all transactions between you and any merchant that you access through the Website take place on the merchant's website, and are subject to the merchant's terms and conditions applicable to online purchases, and its privacy and security policies. Please note that prices on many merchants' websites are in U.S. dollars and many merchants require payment in U.S. dollars. It is your responsibility to check each merchant's terms and conditions pertaining to transactions carefully before completing any transaction. OFG is not responsible for any charges you or any user of your account incurs as a result of dealings with any merchants or other third parties found on, or through, the Website or any of the services. Further, you accept responsibility for ensuring compliance with all applicable laws in connection with any such transactions. You agree that OFG shall not be responsible or liable, directly or indirectly, in any way for any loss or damage of any kind incurred as a result of, or in connection with, any of such dealings, or transactions, including, without limitation, any returns, refunds, or any product liability claims. Although reasonable efforts are used to ensure that the website is current, OFG gives no assurance or warranty that item information or offers displayed on the website are completely accurate, including but not limited to price, availability or description. Prices are not always presented in Canadian Dollars. Please refer to each individual merchant’s store website to determine the currency being displayed.

No License
Intellectual Property of OFG and Others. Except as expressly provided, nothing herein or within the Website or any of the Services shall be construed as conferring any license under any of the intellectual property rights of OFG or any third party, whether by implication, waiver, estoppel, or otherwise. Without limiting the generality of the foregoing, you acknowledge and agree that certain content available through and used to operate the Website and Services is protected by copyright, trademark, patent, or other proprietary rights of OFG, its affiliates, licensors, and/or service providers. You agree not to adapt, translate, modify, decompile, disassemble, or reverse engineer any software, applications or programs used in connection with the Website or the Services.

The MORE REWARDS (word mark), the More Rewards logo, and related More Rewards program trademarks and logos are registered and unregistered trademarks of OFG. All other product, brand, company names, trademarks, logos or other intellectual property used or displayed on the Website are the intellectual property of their respective owners. Your use of any of the intellectual property appearing on the Website is expressly prohibited without the prior written consent of OFG or owner of the intellectual property, as appropriate.

Ownership of Content
The Website and all of its contents including, but not limited to, all text and images ("Content") are owned and copyrighted by OFG or others with all rights reserved unless otherwise noted. Your use, copying, republication or redistribution of such Content, including by caching, framing or similar means is expressly prohibited without the prior written consent of the Content owner. Further, you agree not to modify, alter, or deface any of the Content available through the Website nor use any of the forgoing for any purpose other than the purpose for which such Content is made available to users through the Website.

The Website originates in Canada. The Terms and Conditions of the website constitute the entire agreement between OFG and you pertaining to your use of the Website and the Services (the "Agreement") and supersede any prior agreements between you and OFG. Failure of OFG to insist upon or enforce strict performance of any right or provision of the Agreement shall not constitute or be construed as a waiver of any right or provision. If any of the provisions (or parts thereof) contained in the Agreement are determined to be void, invalid or otherwise unenforceable by a court of competent jurisdiction, such determination shall not affect the remaining provisions (or parts thereof) contained herein. The Agreement shall be governed by and construed in accordance with the laws of the Province of British Columbia and the federal laws of Canada applicable therein.