Terms of service
Last updated October 25, 2026. These terms explain how the Gear Obsession cash back program works.
Membership
Membership is free. You need a valid email address and may have one account. We may refuse or close accounts used for fraud, self-referral schemes or abuse of the program, and cash back earned that way is forfeited.
Earning cash back
You earn cash back when you click through Gear Obsession to a participating store and complete a qualifying purchase, and the store reports and pays the commission to us. Stores decide what qualifies (gift cards, taxes, shipping and some products often don't). The rate shown when you click is the rate recorded for that trip.
Pending, locked and reversed
New cash back is pending until the store confirms the order and its return period passes, usually about 45 days. Then it locks and becomes available. If an order is returned, cancelled or rejected by the store, its cash back is removed; if it was already paid to you, the amount is deducted from future cash back.
Payouts
We pay available cash back monthly once it reaches $5, by PayPal or Venmo; checks are available for $100 or more. Keep your payout details current. If a payment can't be delivered or isn't claimed, it returns to your balance.
Referral program
How it works. Members can invite friends with their personal referral link. When the program is running, the bonus amounts and requirements are shown on your account page. The amounts and requirements in effect when your friend joins are the ones that apply to that referral.
Who qualifies. Your friend must be new to Gear Obsession and join through your link before creating an account. Each new member can earn a referral bonus only once, and only one member can be credited for referring them.
Qualifying purchases. The purchase must be made through Gear Obsession, earn cash back, and be confirmed by the store. Bonuses are added to both balances once the qualifying purchase locks (after the store's return period, usually about 45 days). Purchases that are returned, cancelled or rejected by the store don't qualify, and bonuses don't count as purchases.
Not allowed. Referring yourself or anyone in your household through another account, creating multiple accounts, sending unsolicited email or messages to people you don't know, posting your link on coupon or deal-code sites, bidding on "Gear Obsession" or similar terms in search ads, and running paid ads that point to your referral link. We may withhold or reverse referral bonuses that don't follow these rules, and close accounts used for referral abuse.
Partners. Websites and creators who promote Gear Obsession with a partner code do so under a separate agreement with us. Members who join through a partner link may receive the sign-up bonus shown on that link, under the rules above.
Changes. We may change or end the referral program at any time. Changes don't affect friends who already joined under earlier terms, as long as their qualifying purchase is made within their original time window.
Inactive accounts
Active account. Your account is active if, within the past 12 months, you have clicked through Gear Obsession to a participating store or earned cash back.
Maintenance fee. If your account has been inactive for more than 12 consecutive months, Gear Obsession may deduct a maintenance fee of $5.00 per month from your available cash back balance to cover the cost of maintaining your account. The fee stops when your account becomes active again or your available balance reaches zero. It never reduces your balance below zero, and you will never owe Gear Obsession money because of it. Maintenance fees are not refundable. We apply this fee except where prohibited by applicable law.
Notice. We will email you at the address on your account at least 30 days before the first maintenance fee is charged.
Account closure. If your account has been inactive for more than 36 consecutive months and has no available or pending cash back, we may close it permanently.
Avoiding fees. Keep your payout details (PayPal, Venmo or mailing address) up to date. Available cash back of $5 or more is paid out in our regular monthly payout, so it isn't left sitting in an inactive account.
Effective date. This section takes effect on October 25, 2026. Inactivity is counted from that date at the earliest.
Changes
We may change these terms and store rates. We'll email members about material changes before they take effect.
Contact
Email support@gearobsession.com.