T&Cs Lydia cashback

Who is behind the cashback service?

The rebates service (cashback) is distributed by Lydia Solutions.

Lydia Solutions ("Lydia") is a simplified joint stock company registered in Paris, under the number RCS 534 479 589 with a capital of €1,590,031, established at 14 avenue de l'Opéra 75001 Paris.

Lydia is registered with the Autorité de Contrôle Prudentiel et de Résolution, established at 4 Place de Budapest - 75436 Paris Cedex 09, under number 534 479 589.

Lydia is a mobile application allowing its individual customers to benefit from payment services.

For more information on the conditions of use of the Lydia service for individuals, the Buyer may consult the Lydia Terms of Use for Individuals (CGU).

Words not defined herein and beginning with a capital letter have the same meaning as given to them in the TOS.

Lydia distributes this white label service in partnership with PayLead:

PayLead is a simplified joint stock company registered in Bordeaux, under the number RCS 821 725 579 with a capital of 36 988 €, established at 24 cours du Maréchal Foch, 33000 Bordeaux.

What are CPV Rebates for?

The rebate service ("Rebates") allows Individual Customers when they make purchases (the "Buyers") to be reimbursed for part of the amount of their purchase, via "Rebates", when they make purchases from partner merchants (the "Retailers").

The present Special Conditions of Sale Discounts ("CPV Discounts"), inform the Buyer about :

The conditions to be fulfilled in order to be eligible for the Discount service;
The operation of the Discount service.
By accepting these Terms and Conditions, the Buyer agrees to use the Rebate Service in accordance with its purpose and under the conditions described in these CPV Rebates.

The CPV Remises are inseparable from the GCU. The Buyer is invited to consult the GTC if he wishes to obtain more information on Lydia's payment services.

How do I join the Discounts service?

The Discount service is available to users of the Application. The countries are detailed in the Lydia Manual.

To access it, the Buyer must first download the Application and create a Payment Account (see Lydia Subscription Terms and Conditions). He/she will then be able to join the Discount service (see Lydia Manual).

By joining the Discount service, the Buyer carefully reads and accepts the present Discount Terms and Conditions. He can consult them at any time on the Lydia website.

The Buyer may activate or deactivate the Rebate service at any time from his Application.

Lydia undertakes to keep the Buyer informed of any changes to these Terms and associated documents, should the Buyer's rights or obligations be affected by such changes. Lydia will inform the Buyer by email, at the latest two months before the effective date of the changes.

The Buyer may, until the entry into force of the new CPV Discounts, contest them by writing to the Complaints Department, at the address indicated in Article 9 hereof.

After this period, the new CPV Remissions are deemed to have been accepted.

In the event of refusal of the modifications, the Buyer must terminate his membership of the Rebates service by written request, free of charge. This request does not affect all the operations carried out prior to the termination which will be completed before the end of the service.

How can I benefit from discounts?

In order to benefit from the Discount service, the Buyer must be :

An individual customer of the Lydia Service: he/she must have installed the Application and accepted the Terms and Conditions;
Make payments with either :
A Lydia Visa Card,
A bank account linked to the Application.
Purchasing goods or services from the Brands: the Buyer can consult all the Brands offering Discounts on the Brands page.
The Buyer is not obliged to subscribe to a Lydia paid subscription to benefit from this service.

The Buyer is informed that he/she will not be able to benefit from Discounts if he/she does not meet all the conditions imposed by the Brand. Failure to do so may result in the Brand refusing to pay the discount.

The Signs and the Discounts offered by them may change at any time. It is therefore the Buyer's duty to ensure that the Discounts he/she is interested in are still valid when purchasing a good or a service.

Furthermore, before making a purchase from a Brand, the Buyer must ensure that the website or shop where he/she wishes to make the purchase is the Brand's and not a third party.

The Particular Discount service is exclusively reserved for personal use. The use of this service in the context of a professional activity will oblige the Buyer to reimburse all the Discounts received and will result in the immediate termination of the present contract.

How much does the Discount service cost?

The Discount service is free for all Buyers.

How do I track the payment of discounts?

The Discount is only due to the Buyer from the moment the purchase is final. This means that as long as the Buyer can exercise their right of withdrawal or reflection, or as long as the order has not been paid in full, for example due to delivery or payment facilities, the Discount is not due. If the Buyer returns a product or cancels a service after the payment of the Discount, the Buyer shall return the Discount.

Lydia shall promptly transmit the necessary information to PayLead so that the Buyer may receive the Rebate. The Buyer acknowledges, however, that the Rebate cannot be paid until the Brand has transferred it to Lydia. Depending on the Brand, the delay varies and can take up to several months.

For some services, such as air travel, the Rebate will only be paid after the service has been performed.

Lydia will pay the Rebates directly into their Payment Account. This payment is made on the 20th day of each month and includes all Rebates due to the Buyer and paid by the Retailers.

The Buyer can follow the purchases he has made from the Signs directly from the Application. The Buyer may also, upon request to Lydia Support at the email address support@lydia-app.com, obtain a free electronic statement of transactions.

The Buyer is invited to check the information contained therein in order to assert his rights as soon as possible if necessary (see What to do in case of unauthorised or incorrectly executed transactions?)

When do the CPV Discounts cease to apply?

At the initiative of the Buyer


The Buyer joins the Discounts service for an indefinite period.

The Buyer may terminate his/her membership at any time and request that he/she no longer benefits from the Discounts service, by paying all the amounts due, if any.

To do so, the Buyer contacts Lydia Support by email at support@lydia-app.com. An email will be sent to the Buyer confirming the termination within 5 (five) working days following the receipt of the termination request.

Death of the Buyer

The death of the Buyer will terminate the Buyer's membership in the Rebates service, as soon as Lydia is made aware of this.

At Lydia's initiative

Lydia and PayLead may terminate the Buyer's access to the Rebate Service free of charge by simple notification by email, after expiry of a two-month notice period.

However, Lydia is exempt from the notice period and may terminate immediately in case of serious misconduct of the Buyer (in particular if the Buyer refuses to provide information or provides false or inaccurate documents or threatens or insults a Lydia employee) or if the Buyer fails to comply with any of the obligations of these CPV Remissions. In this case, the Buyer may be required to pay a rectification / processing fee (see Appendix Tariffs).

Effect of termination

Upon termination and after settlement of the current transactions, the Buyer will no longer be able to benefit from the Rebate service for future payments. The Rebates, possibly reduced by fees or undue payments, collected before the termination will be automatically transferred to the Buyer's Payment Account at the end of the current month.

A request to terminate the Rebate service does not result in the closure of the Buyer's Customer Account, unless otherwise requested.

The Buyer may at any time re-subscribe to the Rebate service directly in the Application (see Lydia Manual).

In case of termination of the Rebate service by Lydia without prior notice, for the reasons stated above, the Rebates will be cancelled and the Buyer's Customer Account will be closed under the conditions set out in the TOS.

How does Lydia use the personal information of its Retail Clients?

In order to be able to identify transactions eligible for a Remittance and to proceed with their payment, Lydia transfers to PayLead the transaction records (time stamp, title, amount, beneficiary…) of the Lydia Payment Account and the bank accounts linked to the Application. Lydia and PayLead are both Data Processors, as defined by the French Data Protection Act.

For more information, the Buyer may refer to Lydia's Privacy Policy and PayLead's Privacy Policy.

How does communication between Lydia and the Buyer take place?

Communication of information to the Buyer

When Lydia wishes to communicate information to the Buyer, it may use different means of communication such as smartphone notifications, in-app notifications, emails or sms. The Buyer may at any time, via the 4th tab in the Application, heading "Preferences", activate or deactivate certain means of communication or the communication of certain information.

How can I contact Lydia's Service to obtain information?

Lydia Support is available Monday to Friday from 9am to 7pm:

By mail addressed to the Support Department at 14 avenue de l'Opéra 75001 Paris,
By email at support@lydia-app.com.

How can I contact Lydia's Complaints Department?

Any complaint relating to these CPV Remises should be made by the Buyer to Lydia's Complaints Department at the following address

Postal mail: Service Réclamation, 14 avenue de l'Opéra 75001 Paris;
Email: support@lydia-app.com
In order to ensure a quick processing of complaints and to protect the environment, Lydia favours responses to complaints by email or telephone rather than on paper.

The Buyer agrees to receive registered letters with electronic acknowledgement of receipt, as defined in Article 100 of the French Post and Electronic Communications Code. This sending will be preceded by an email from the service provider responsible for sending the letter, allowing the Buyer to refuse, within fifteen (15) days, this means of communication.

In the event of a complaint and if no agreement has been reached with the Complaints Department or in the absence of a response within fifteen (15) working days, or thirty-five (35) days if the response is beyond Lydia's control, the Buyer may refer the matter to the competent court (see 10. What recourse in the event of a dispute? > Competent courts).

What recourse in case of dispute?

Disputes between a User and a third party to Lydia

Lydia is not involved in any dispute between a Buyer and a third party, including the Signs.

The Buyer should contact the Retailer directly if the dispute relates to the product or service purchased from the Retailer or if it concerns the refusal of a discount payment due to a feature of the purchased good or service.

Burden of proof

The burden of proof of the transactions carried out on the Payment Accounts by the Buyer lies with Lydia and results from its accounting records, unless the Buyer proves otherwise by any means, and it is up to the Buyer to keep the proofs of the transactions (account statements, sales receipts).

Applicable law

The law applicable to these CPV Remises is French law. Only the French language version of this Agreement shall be binding. Lydia and the Buyer agree to use French in their relations.

Amicable settlement of disputes

For any dispute not resolved by a claim relating to the management of a Client Account, the execution, non-execution, interpretation, validity and termination of the application of the present terms and conditions, and before any legal action, the Purchaser is invited to make his claim directly to the SFPMEI Mediator, by post, at the following address M. le Médiateur de l'Association des Sociétés Financières 75 854 Paris Cedex 17.

For any other dispute, the Buyer may also, as a consumer, have recourse to the National Association of Mediators (ANM) by sending a letter to the latter at 62 rue Tiquetonne 75002 Paris or by email by filling in a form on the site http://www.anm-conso.com.

Competent jurisdictions

In the absence of an amicable settlement, the competent courts are the French courts.


In accordance with article L.121-20-12 of the French Consumer Code, I have a cooling-off period of 14 (fourteen) calendar days from the date of subscription without charge or reason.

This retraction is only valid if it is sent, legibly and perfectly filled in, before the expiry of the above-mentioned period, by post to the following address: 14 avenue de l'Opéra 75001 Paris, France or to the e-mail address support@lydia-app.com.

I, the undersigned (First name Last name), ………………………… wish to withdraw my subscription to the Discount service, in accordance with the contract concluded on (subscription date dd/mm/yyyy) …………………………… with Lydia.

Done on :

Signature :