Terms of Service

Membership and eligibility

InvisiSave membership is free and open to individuals aged 18 or older who can receive text messages at a mobile number they personally control.

By joining you agree to these terms, our Privacy Policy, and our Affiliate & Advertising Disclosure.

One account per individual

Each person may hold exactly one InvisiSave account. Accounts are tied to a single verified mobile number, and a mobile number may only ever be attached to one member.

• Creating additional accounts for yourself, household duplicates used to self-refer, or accounts in another person's name is prohibited.
• Using virtual, disposable, or rented phone numbers to pass verification is prohibited.
• Referring yourself, directly or through an intermediary account, is prohibited.

Anti-fraud rules and enforcement

We monitor for duplicate identities, manufactured purchases, returned or cancelled orders, coupon abuse, bot traffic, and any attempt to manipulate community rewards.

If we identify abuse, we may suspend payouts while we investigate, void the affected transactions, close the account, and permanently ban the individual behind it.

• Rewards generated through multi-account abuse are forfeited in full, including pending and available balances.
• Forfeited rewards are not paid to the abusing member or to anyone who knowingly benefited from the abuse.
• Repeated or coordinated abuse may be reported to our affiliate network partners and to the merchants involved.

Reparenting legitimate members

When an account is removed for fraud, honest members beneath it are not penalized. Their community position is reattached to the nearest legitimate member above the removed account, preserving their invite connections and future earnings.

Reparenting only updates each member's connection in the community. Cleared rewards already paid to honest members are never clawed back.

Rewards and cash-out rules

• Shoppers receive 50% of the commission InvisiSave earns on a qualifying purchase. Community rewards are limited to two levels: 25% to the member who invited the shopper and 15% to that member's inviter. No rewards are paid beyond those two levels.
• Rewards stay pending until the merchant or network confirms and settles the transaction, typically after the return window closes.
• A $20 minimum available balance is required before a cash-out can be requested.
• Cash-outs are paid to your verified mobile number through Venmo or PayPal. That number must match the mobile number on your Venmo or PayPal account.
• Changing your mobile number requires a new text verification before cash-outs unlock again.
• A flat $0.25 third-party network processing fee is charged by PayPal / Venmo on every transfer and is passed through to you at cost. Optional instant transfers carry an additional speed fee shown before you confirm.

Card-Linked Offers

By linking a payment card, you represent that you are the authorized cardholder and you consent to InvisiSave and participating card networks (including Visa, Mastercard, American Express, and Kard) monitoring transaction data on that card at participating merchants.

Transaction monitoring is used solely to identify qualifying purchases, calculate cash-back rewards, and prevent fraud. We receive only merchant identification, transaction timestamp, and transaction amount. We do not receive item-level purchase data, and we do not store your full card number or CVV.

Card-linked in-store rewards generally apply to credit card transactions and signature-based debit transactions. PIN-based debit transactions are typically ineligible because they are routed outside the card network's card-linked offer systems.

You may pause or remove any linked card in your Wallet at any time. Removal or pause takes effect immediately and stops further transaction monitoring for that card. If you close your InvisiSave account, all linked cards are removed.

Tax verification (W-9)

Your personal 50% shopping rebates are purchase price discounts, not income, and are not reported to the IRS.

Community loyalty rewards — the rewards you earn when members you invite shop — are reportable income in the United States. Before your first withdrawal of community referral income you must complete W-9 verification with your legal name and taxpayer identification details.

Verification is performed through a third-party IRS TIN matching service. We do not store your full Social Security or EIN number. Withdrawals of community earnings remain locked until verification is complete, and we issue a Form 1099-MISC/NEC if your referral income reaches $600 in a calendar year.

Changes, termination, and contact

We may update these terms as merchant, network, or legal requirements change; the date at the top of this page always reflects the current version.

You may close your account at any time. Questions about these terms can be sent to support through the app.