Last updated February 25, 2026
These Merchant Terms of Use (or "Terms") are a binding contract between You ("Merchant" or "You" or "Your") and Coffey Ventures, Inc., a Delaware corporation, DBA Joe Coffee (the "Company"). These Terms contain the terms and conditions that govern Your access to and use of the Joe Coffee mobile application for merchants (the "App"), as well as our website joe.coffee and our other websites or online channels, and other products lines or services we offer (collectively, our "Services"). Merchant and Company may be referred to in these Terms individually as a "Party" or together as the "Parties". If You have any questions regarding our Services or these Terms, please contact us at success@joe.coffee.
THESE TERMS INCLUDE A CLASS ACTION WAIVER AND AN ARBITRATION PROVISION THAT GOVERNS ANY DISPUTES BETWEEN YOU AND JOE COFFEE.
To accept the Terms and use the Services, You must be of legal age and capacity to form a binding contract. By downloading or installing the App or using our Services in any manner, You accept and consent to these Terms and all documents incorporated herein. You can also accept these Terms by clicking to accept or agree to the Terms where this option is made available to You in any agreement or electronic form, by creating an account, or by clicking "sign up" or any similar mechanism. If You are accessing the Services on behalf of a company or other legal entity ("Entity"), You represent and agree that You are authorized to act on behalf of the Entity and to bind such Entity to these Terms. If You do not agree to these Terms, do not access or use our Services.
You must register and create an account to use the Services. By registering, You represent and warrant that (i) any information You submit to the Company is truthful and accurate; (ii) You will maintain the accuracy of that information; (iii) You will not share Your login credentials with anyone and You will be entirely responsible for maintaining the security of Your account and login credentials, if any; (iv) You are responsible for all activity that occurs in connection with Your login credentials and You will notify us promptly if You suspect Your login credentials may have been used without authorization; (vi) You are solely responsible for all activity on Your account using Your login credentials; and (vii) Your use of our Services and their features does not and will not violate any applicable law, rule or regulation. Any information that You provide to us will also be subject to our Privacy Policy.
The Company operates as a Rewards & Growth Program provider, merchant services platform, and network operator for independent coffee businesses and other merchants (collectively, "Merchants") and their ("Customers") as described in these Terms.
Rewards & Growth Program Operator. The Company serves as the principal operator of a universal loyalty and rewards Rewards & Growth Program that spans all participating Merchants using the Company's platform (the "Rewards & Growth Program"). As a Rewards & Growth Program operator, the Company pools Rewards & Growth Program contributions from across its network, manages Rewards & Growth Program reward redemptions and promotional incentives, reinvests in the growth of the collective network, and assumes certain financial risk associated with the Rewards & Growth Program. Merchants participate in the Rewards & Growth Program as beneficiaries of a managed service, not as individual operators of their own Rewards & Growth Programs. The Company's role as Rewards & Growth Program operator is distinct from the payment processing services provided by Stripe, Inc. ("Stripe"), which are governed by Stripe's own terms and conditions.
Not a Payment Processor. The Company is not a payment processor. Payment processing services are provided by Stripe, a third-party payment processor. The Company's core services include: (i) operating a universal rewards and Rewards & Growth Program across the network; (ii) providing merchant technology tools including point-of-sale, mobile ordering, and kiosk systems; (iii) managing customer engagement, marketing, and promotional Rewards & Growth Programs on behalf of participating Merchants; and (iv) building and maintaining shared infrastructure that benefits the collective network of independent businesses.
Payments Processing via the Services. The Services include features that facilitate transactions between Merchants and Customers. Payment processing is provided by Stripe, a third-party payment processor. All payment data is processed and stored by Stripe. Stripe may request additional information from time to time to enable certain features of the Services, which features may become unavailable if You do not provide such additional information. By using these features on the Services, You also agree to be bound by Stripe's Terms and Conditions and Privacy Policies, available at: https://stripe.com/us/connect-account/legal. When You provide payment information, You consent to transactions initiated by You and enabled through the Services. The Company cannot guarantee the accuracy of payment information, which is the responsibility of the You and Your Customers, and cannot be responsible for delay or interruption of payments due to inaccurate information. The Company does not process or store payment information. The Company's role in the transaction flow is limited to operating the Rewards & Growth Program layer as described in Sections 2(a) and 3 of these Terms.
Pursuant to applicable PCI DSS requirements, (i) the Company will maintain appropriate security controls for any account data the Company possesses, stores, processes, or transmits on behalf of Merchant or to the extent the Services could impact the security of Merchant cardholder data and/or sensitive authentication data and (ii) upon Merchant's written request, the Company will provide information reasonably necessary to support Merchant compliance activities.
Not a Retailer. The Company is not a retail store, restaurant, food delivery platform, merchandise delivery platform or food preparation entity. Merchants fulfill orders independently using their own facilities, staff, supplies, and service providers. The Company does not guarantee the quality of what Merchants sell and does not independently verify, and is not liable for, representations made by Merchants regarding their products on our website.
The Rewards & Growth Program allows each Merchant to offer Customer rewards without many of the typical risks associated with such programs. By participating in the Rewards & Growth Program, You as the Merchant agree as follows:
Rewards & Growth Program: The Company manages all rewards, bonuses, and Customer engagement activities available through the Rewards & Growth Program on the Company's proprietary technology and data systems.
Promotion Types: The Rewards & Growth Program may offer one or more types of promotions at a given time. Some promotions may require Customers to load a balance onto their store-specific loyalty card to participate.
Weekly Bonuses: The Rewards & Growth Program may offer rotating bonuses, such as Double Points Days, a Monday bonus of 100 points, or a Friday bonus for customers who make multiple purchases in a day.
Refer-a-Friend: The Rewards & Growth Program includes a refer-a-friend component, enabling Customers to earn additional rewards by referring new customers to Your shop and other participating locations.
First-Time Purchase Incentives: The Company may allocate a budget to incentivize new Customers to make their first purchase at Your shop or other participating locations.
Global Codes: From time to time, the Company may promote certain unique promotional codes on behalf of the Company, which may be used with all merchants ("Global Codes"). The Company will compensate You for the amounts attributable to Global Codes used at Your store.
Merchant Codes: If You have "owner" status for Your Merchant account, You may have the option to create unique promotional codes for Your merchant account with the Company ("Merchant Codes"). You understand and agree that the Company will not be responsible or obligated for any Merchant Codes, Reward Balance adjustments, or Loyalty/Gift Card credits You decide to promote and use.
Customer Communication: Communication with Customers will be facilitated through the Rewards & Growth Program, including via SMS messages. Customers have the option to opt out of receiving these communications at any time.
Redemption: Customers can redeem rewards, manage loyalty balances, and apply discounts through various Company-enabled platforms, including Point-of-Sale systems, the App, the Joe Coffee website, or kiosk systems, as available.
Changes and Updates: The Company reserves the right to modify, suspend, or terminate the Rewards & Growth Program or any specific rewards, bonuses, or terms at any time. Merchants will be notified of any material changes at least thirty (30) days in advance by posting a notice to the Services.
Customers may purchase or redeem a Joe Coffee gift card ("Gift Card") to be used toward the purchase of Merchant goods and services. Customers may also purchase a Merchant-specific Gift Card, or Merchant may grant Customers a Merchant-specific Gift Card as part of a loyalty promotion, to be redeemed toward the purchase of goods and services only from Merchant's location ("Shop Loyalty Card"). Merchant must redeem all Gift Cards, including Shop Loyalty Cards, in compliance with the Company's Terms and Conditions of Use and applicable law. In the event the Merchant terminates the Services, or a Customer requests a refund, the Merchant is responsible for any refunds in accordance with their state laws.
As a Merchant, You agree to: (i) not sell or permit any Customer under 21 years of age from purchasing or picking up any alcohol products or goods from You; (ii) be responsible for verifying any Customer's valid government-issued identification proving the Customer is at least 21 years of age if the Customer is purchasing or picking up any alcohol product or good from You; (iii) be responsible for determining if a Customer who is purchasing or picking up alcohol products or goods is intoxicated to an extent where applicable laws prevent You from permitting the purchase or pickup of the alcohol product or goods; and (iv) be responsible for compliance with any and all alcohol products and goods related laws and obligations.
Payment Processing. The Company contracts with Stripe for payment processing services. Payment processing rates through the App are 2.6% + $0.10 per transaction for all payment types. All payment data is processed and stored by Stripe subject to Stripe's terms and conditions (https://stripe.com/us/connect-account/legal). Payment processing rates are subject to change pursuant to Section 6(d) of these Merchant Terms.
Rewards & Growth Program Pool. The Company acts as the principal operator of the Rewards & Growth Program. To fund the Rewards & Growth Program, the Company automatically collects a percentage of each transaction on the App by a Customer who has opted in to the Rewards & Growth Program (each a "Program Transaction"). The percentage collected from a given Transaction (each a "Program Contribution") is calculated according to the schedule and metrics posted on our Pricing page and will not exceed ten percent (10%) per Program Transaction.
At the end of each day, the Company calculates the net cost to each Merchant as the amount collected in Program Contributions minus the value of redemptions and credits paid back to that Merchant (the "Net Program Cost"). This Net Program Cost is capped at 5% of the Merchant's Program Transactions for the day.
Platform Fees. The Company offers Merchants additional platform services in exchange for the usage-based fees ("Usage Fees") specified on the Pricing page and calculated based on the applicable Transaction value.
Fee Changes. You acknowledge and agree that the fees described in this Section 6 are subject to change, and the Company reserves the right to modify these fees at any time upon providing notice to You on the Services at least thirty (30) days before such changes take effect.
Reports. The Services offer automated daily and weekly reporting to Merchants through the merchant dashboard. Reports include: (i) total sales; (ii) total sales for Transactions (loyalty-attributed sales); (iii) Rewards & Growth Program Pool contributions (up to 10% of Transactions); (iv) reward redemptions paid out at the Merchant's location; (v) the Net Program Cost for the reporting period; and (vi) a per-item reconciliation showing the prorated Net Program Cost applied to each loyalty-attributed transaction.
ROI Reporting. The Company will provide reporting to Merchant updated at least every thirty (30) days to illustrate return on investment of the Program.
Recordkeeping. You are solely responsible for compiling and retaining copies of the Reports as necessary to comply with Your recordkeeping, legal, and regulatory requirements.
Notifications. You agree to add the email address success@joe.coffee for receiving reports to the "Safe Sender" list on Your email account.
Errors. You agree to notify the Company of any errors or discrepancies in Your Reports within thirty (30) days from posting date. Your failure to notify us within thirty (30) days will be deemed a waiver of any right to amounts that may be owed to You.
Disputes. For any rewards-related disputes, Merchant must submit a written dispute to the Company within thirty (30) days of the reporting period in question.
Taxes. It is Merchant's responsibility to determine which taxes apply to payments Merchant makes or receives via the Services and it is solely Merchant's responsibility to collect, report, and remit the correct tax to the applicable tax authority.
Escheat. Merchant understands and agrees that expired or unclaimed rewards or benefits available through the Rewards & Growth Program may be subject to state escheatment laws, as applicable.
For each transaction facilitated through the Services, the Merchant and its Customer, and not the Company, are responsible for their respective obligations relating to purchases and sales via the Services. You as the Merchant are responsible for all transactions related to Your Account, as well as all refunds and returns. Additionally, You as the Merchant are solely responsible for providing customer service to Your Customers for any and all issues related to Your products or services.
You must have a compatible mobile telephone or handheld device, internet access, and the necessary minimum specifications ("Software Requirements") to use the App on a mobile device. Merchants are responsible for supplying and maintaining their own tablets and other devices that meet the Software Requirements in an adequate number to receive and fulfill orders via the App. In no case shall the Company be responsible or liable to a Merchant or any third party for any loss or damages related to a Merchant's inability to use the App due to insufficiency of such Merchant's device(s).
Unless otherwise expressly indicated, the Services and all data, images, logos, source code, content, non-public APIs, and other materials contained in the Services (collectively, the "Company Property") are copyrights, trademarks, trade dress or other intellectual property owned, controlled, or licensed by the Company. The Company hereby grants You a license to use the Company Property at the access level we grant to You as permitted by these Terms (Your "License"). The Company Property is licensed to You, not sold.
You agree not to: (i) rent, retransmit, disclose, publish, sell, assign, lease, sublicense, market, or transfer the Services or any portion thereof or use it in any manner that is prohibited or not expressly authorized by these Terms; (ii) copy, reverse engineer, translate, port, modify, or make derivative works of any portion of the Services; (iii) violate or attempt to violate the security features of the Services; or (iv) use any device, software, or routine to interfere or try to interfere with the proper working of the Services.
You and Your Authorized Users will be able to submit certain other data or materials to the Services (collectively, "Merchant Content"). Merchant Content belongs to You and is Your responsibility. You agree to (i) comply with these Terms and all applicable state and federal laws and rules in connection with Your collection, security, and dissemination of Your Merchant Content; (ii) be responsible for the accuracy, quality, and legality of Your Merchant Content; (iii) handle all third party claims relating to Your Merchant Content; and (iv) handle, process, and respond to notices properly and in accordance with applicable law.
In consideration for Your use of the Services, You hereby grant to the Company an irrevocable, worldwide, royalty-free, fully-paid, sub-licensable, perpetual license to use, reproduce, make derivative works from, distribute, publish, display, or perform such Merchant Content in whole or in part, in connection with advertising, marketing and promoting the Company, its products and Services.
By initiating contact with the Company via SMS, You agree as follows: (i) You consent to receive SMS communications from the Company, which may include responses to Your inquiries, support updates, or follow-up communications related to Your request; (ii) the frequency of SMS messages will depend on the nature of Your inquiry (You will only receive messages in direct response to Your request or as follow-up to provide support or resolve Your issue); (iii) standard message and data rates may apply based on Your mobile carrier's plan and the Company is not responsible for any fees incurred by You for SMS communications; (iv) You can opt out at any time by replying STOP to any SMS message You receive from the Company, after which You will receive a confirmation message of Your opt-out only; (v) SMS communications are supported by most major mobile carriers, but the Company does not guarantee message delivery due to carrier or network limitations; and (vi) Your SMS communications may be logged and stored for quality assurance and record-keeping purposes in accordance with our Privacy Policy. Please contact support@joe.coffee or call 206-535-2443 if You have questions or need assistance.
Definitions. As used in this Section 13: "Controller" means the party that determines the purposes and means of the processing of Personal Information. "Data Protection Law" means all applicable legislation relating to data protection and privacy that apply to the Parties, including the CCPA and other applicable U.S. federal and state laws. "Personal Information" means any information that relates to an identified or identifiable individual and is protected under applicable Data Protection Law. "Processing" means any operation performed upon Personal Information. "Security Incident" means a breach of security leading to the unauthorized access to Personal Information. "Processor" means an entity that provides Processing services to a Controller.
Roles of the Parties. The Parties acknowledge and confirm that (i) each Party acts as an independent and separate Controller for the Processing of Personal Information for its own purposes; (ii) each Party may Process such Personal Information for its own purposes; and (iii) each Party is solely responsible for its own Processing of the Personal Information in compliance with Data Protection Law.
Obligations of the Parties. Each Party shall: (i) comply in all material respects with Data Protection Law; (ii) rely on a valid legal basis for its Processing of Personal Information; (iii) take reasonable steps to ensure that such Personal Information is accurate, complete, and current; (iv) maintain appropriate records; (v) respond to requests to exercise privacy rights; and (vi) be responsible for the handling of Personal Information by such Party's personnel.
Data Security. Each Party shall maintain appropriate technical and organizational security measures designed to protect against unauthorized or accidental access, loss, alteration, disclosure or destruction of Personal Information. If a Party experiences a Security Incident, that Party must notify the other Party without undue delay and no later than 48 hours after having become aware of the Security Incident.
YOUR USE OF THE SERVICES IS AT YOUR OWN RISK. THE COMPANY MAKES NO EXPRESS, IMPLIED OR STATUTORY REPRESENTATIONS, WARRANTIES, OR GUARANTEES IN CONNECTION WITH THE SERVICES OR RELATING TO THE AVAILABILITY, QUALITY, RELIABILITY, SUITABILITY, TIMELINESS, TRUTH, ACCURACY OR COMPLETENESS OF THE SERVICES. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE SERVICES ARE PROVIDED TO YOU ON AN "AS IS," "AS AVAILABLE" AND "WHERE-IS" BASIS WITH NO EXPRESS OR IMPLIED WARRANTY OF ANY KIND.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL THE COMPANY BE LIABLE TO YOU OR ANY THIRD PARTY UNDER ANY THEORY OF LIABILITY FOR ANY INDIRECT, EXTRAORDINARY, EXEMPLARY, PUNITIVE, SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGES, ANY LOSS OF DATA, REVENUE, PROFITS, USE, OR OTHER ECONOMIC ADVANTAGE, OR ANY OTHER LOSSES OR DAMAGES OF ANY KIND, HOWEVER ARISING, EVEN IF THE COMPANY KNEW OR SHOULD HAVE KNOWN THAT THERE WAS A POSSIBILITY OF SUCH LOSSES OR DAMAGES. IN NO EVENT SHALL THE COMPANY BE LIABLE TO YOU FOR ANY AMOUNTS THAT EXCEED THE AGGREGATE OF THE FEES PAID BY YOU TO THE COMPANY FOR SERVICES DURING THE THREE MONTHS PRIOR TO THE ACT THAT GAVE RISE TO THE LIABILITY OR, IF NO FEES WERE PAID, ONE HUNDRED US DOLLARS ($100).
YOU AGREE TO DEFEND, INDEMNIFY, AND HOLD THE COMPANY, OUR SUBSIDIARIES, PARENTS, AFFILIATES, AND SERVICE PROVIDERS, AND THEIR RESPECTIVE MEMBERS, DIRECTORS, OFFICERS, AGENTS, PARTNERS, AND EMPLOYEES HARMLESS FROM AND AGAINST ANY DIRECT OR THIRD-PARTY CLAIMS, LOSSES, LIABILITIES, COSTS, EXPENSES, DAMAGES, OR DEMANDS, INCLUDING WITHOUT LIMITATION REASONABLE ATTORNEYS' FEES DUE TO, RELATING TO, OR ARISING OUT OF (I) YOUR USE OF THE SERVICES IN VIOLATION OF THESE TERMS; (II) OUR PROVISION OF THE SERVICES TO YOU; (III) MERCHANT CONTENT; (IV) YOUR BREACH OF ANY REPRESENTATIONS OR WARRANTIES MADE BY YOU HEREUNDER; OR (V) YOUR VIOLATION OF ANY LAW OR THE RIGHTS OF A THIRD PARTY.
Informal Dispute Resolution. Before filing a claim against the Company, You agree to try to resolve the Dispute informally by contacting the Company at success@joe.coffee. If a Dispute is not resolved within 30 days after submission, You or the Company may bring a formal proceeding.
Arbitration Agreement. You and the Company each agree to resolve any Disputes through final and binding arbitration administered by JAMS Mediation, Arbitration and ADR Services. The arbitration will be held in King County, Washington, United States, or any other location we agree to.
Class Action Waiver. You may only resolve Disputes with the Company on an individual basis and may not bring a claim as a plaintiff or a class member in a class, consolidated, or representative action. Class arbitrations, class actions, private attorney general actions, and consolidation with other arbitrations are not allowed under these Terms.
Governing Law. Except as otherwise required by applicable law, the Terms and the resolution of any Disputes shall be governed by and construed in accordance with the laws of the State of Washington, the Federal Arbitration Act, and applicable U.S. federal law.
These Terms take effect on the first date on which You access the Services as a Merchant and continue until terminated as provided in this section. You may terminate these Terms by discontinuing use of the Services. The Company may suspend or terminate Your use of all or any of the Services at any time if the Company believes You have violated these Terms, upon providing You with 30 days' notice except where necessary to protect the security or integrity of the Services.
Relationship of Parties. The Parties' relationship, as established by these Terms, is solely that of independent contractors.
Entire Agreement. These Terms and the agreements incorporated by reference herein constitute the entire and exclusive understanding and agreement between the Company and You regarding the Services.
Assignment. You may not assign, delegate, or transfer these Terms, by operation of law or otherwise, without our prior written consent, but the Company may freely assign or transfer these Terms without restriction.
Amendments. The Company reserves the right to amend these Terms by updating this posting without prior notice. Your continued use of the Services following the posting of changes constitutes Your acceptance of such changes.
Consent to Electronic Signature. By accessing or using the Services, You consent to (a) us communicating with You electronically; (b) receiving all applications, notices, disclosures, and authorizations from us electronically; and (c) entering into agreements and transactions using electronic records and signatures.
You agree to be unconditionally bound by these Terms of Service by clicking to accept these Terms or by accessing or using the Services in any manner.
By initiating contact with joe via SMS for support, you agree to these SMS Terms and Conditions, which govern the use of SMS communications between joe and your business. These terms are supplemental to joe's Privacy Policy and Terms of Service.
When you send a text message to joe's support phone number, you are providing consent to receive SMS communications from us. This may include responses to your inquiries, support updates, or follow-up communications related to your request.
The frequency of messages will depend on the nature of your inquiry. You will only receive messages in direct response to your request or as follow-up to provide support or resolve your issue.
Standard message and data rates may apply based on your mobile carrier's plan. joe is not responsible for any fees incurred by you for SMS communications.
If at any time you wish to stop receiving SMS communications from joe, you may reply "STOP" to our messages. You will receive a confirmation message and no further SMS communications will be sent unless initiated again by you.
SMS communications are supported by most major mobile carriers. However, joe cannot guarantee message delivery due to carrier or network limitations.
Your SMS communications may be logged and stored for quality assurance and record-keeping purposes in accordance with our Privacy Policy. We will not share your information with third parties, except as outlined in our Privacy Policy.
If you have questions or need assistance regarding SMS communications, please contact joe support at support@joe.coffee or call 206-535-2443.
By sending an SMS to joe Support, you acknowledge and agree to these SMS Terms and Conditions.