Terms & Conditions


The Rewards Programme involves the payment of Commission to us by Participating Retailers in respect of your Approved Transactions for which we credit your 20cogs.co.uk Account with Rewards. You must complete at least one Offer on each Cog, you must complete all 20 Cogs, and each Cog must have turned green for you to withdraw your Cash Reward from your 20cogs.co.uk Account. Rewards are dependent on the Offers you complete.

Before participating in the Rewards Programme, you acknowledge and agree that we reserve the right to terminate your 20cogs.co.uk Account if you breach or we suspect you have breached the following Rules of the Rewards Programme. If we terminate your Account because of a breach by you of these Rules, you agree that your Rewards balance will be void and you will not seek to register with the Rewards Programme again, whether using the same or a different identity to that under which you were originally registered.


Term Description
Approved Transactions  Transactions that are tracked and approved between the member and Participating Retailers.
Bonuses (under earnings) Additional funds which have been credited to the member’s Account by 20Cogs.
Click History A record of the time and date that an Offer was clicked on by the member.
Cog  Site levels where the member’s Offers are displayed. There are a number of Offers that a member can complete in each Cog. A member need only to complete one Offer per Cog, it must be an Approved Transaction for the member to receive their Reward. 
Amber Cog A pending Cog waiting to be approved. 
Green Cog A completed Cog, this is when the Offer has been approved and a Reward can then be added to the member’s 20 Cogs Account. 
Grey Cog When the Offers in that Cog have not been clicked on or tracked.  
Red Cog When an Offer that has tracked but has then been rejected by the Participating Retailer for not meeting all of the terms and conditions. 
Commission  The money received by us from the Participating Retailer. 

Completed Offer An Offer that has been clicked on, tracked and approved by the Participating retailer turning the Cog green.  This also includes Offers that we may have manually approved upon receipt of satisfactory evidence of full completion of an offer.
Confirmed Earnings Monetary funds Earned from Validated Offers available for withdrawal when all 20 Cogs have been completed.
Earn  Receipt of a Reward for completing an Offer.
Evidence  In the event of an Offer not tracking (Cogs not turning amber or green within 2 working days of completion) you will be required to send us Evidence. You will be required to provide us with screenshots showing completion of the Offer in full. 
Offer  Within a Cog, there are multiple Offers available to complete. A member need only to complete one Offer per Cog, it must be an Approved Transaction for the member to receive their Reward. 
Locked  If the Cog has a lock symbol on it then the Cog has not yet been opened.
Member  A user of the Rewards Programme, you!
Network  The group of Participating Retailers and their advertisers that track whether an Offer has been completed.
Participating Retailers (or Advertisers) The provider of Goods/Services.
Participating Retailer Goods/Services The service or good that you purchase in order to complete the terms and conditions of an Offer.
Pending  An Offer that appears to have been completed and has been tracked by the Participating Retailer, that is awaiting final review by the Participating Retailer to ensure the member has met all of the required terms and conditions.  This can take up to 30 (thirty) days.
Pending (under earnings) The monetary funds Earned from Pending Offers which will be applied to your Confirmed Earnings once the Offers are Validated.
Proof of ID  Occasionally we may need to request proof of identity as part of our fraud checks. Members will be asked to provide 1 or 2 forms of ID which must match up with your account information.  All ID is securely destroyed once reviewed and is processed in line with our Privacy Policy. Please note, 20Cogs is unable to accept electronic letters as a form of ID and can only accept physical letters sent through the post.
Refer a Friend Programme This is the means by which a member can introduce others to the 20 Cogs Rewards Programme via Facebook, Facebook Messenger, Email, Twitter, Google+ or WhatsApp.  Once a referred friend has registered to the 20 Cogs Rewards Programme using the member’s unique link they will earn 5% of the Completed Offers on their referred friend’s Account.  When their referred friend completes all 20 Cogs and cashes out, the member is eligible for a £20 bonus.  The referred friend must use the unique tracking link in order for the earnings to be applied.
Rejected Offer n Offer that has tracked but has then been rejected by the Participating Retailer, turning the Cog red, for not meeting all of the terms and conditions of the offer.
Reward  Commission received by Us from the Participating Retailers that are put into the member’s 20 Cogs Account when an Offer is completed. 
Rewards Programme An online service provided by 20 Cogs.co.uk (Submission Technology Ltd.) to enable members to earn rewards by completing 20 Offers across 20 Cogs.
Stored Value  A monetary value most commonly stored in card form e.g. a prepaid card. The Reward in a member’s account does not represent a stored value and only becomes accessible when the member has cashed out and the cash is moved to their bank or PayPal™ account. 
Third Parties Any named person that is not the name that we hold on the members 20 Cogs account.  This includes variations of names such as Elizabeth / Lizzie/ Liz.

Tracking/Tracked  An Offer that has been clicked on by the member creating a Click History in their Account and has been received by the Participating Retailer turning the Cog Amber.
Transaction  The actions taken by the Member to complete an Offer e.g. when they visit a Participating Retailer’s website to make a purchase or sign up to a free trial.  
Unique Tracking Link A unique link used as part of the Refer a Friend Programme. The referred friend must use this link in order for the earnings to be applied. 
Untracked Offer  An Offer that has not been tracked by the Participating Retailer. 
Validated  An Offer that has been completed by the member that has been confirmed as fulfilling all the Terms and Conditions by the Participating Retailer turning the Cog Green. 

Rules of the Rewards Programme

  1. This rewards programme (the "Rewards Programme") is an online service provided by 20cogs.co.uk ("Us/We/Our") wholly owned by Submission Technology Ltd whose registered office address is 3-4 Bower Terrace, Tonbridge Road, Maidstone, Kent ME16 8RY and trading address is The Beater House, East Wing, Turkey Mill, Maidstone, Kent, ME14 5PP (company number 04456811). 
  2. To enjoy the Rewards Programme, you must abide by the Rules of the Rewards Programme which shall govern your use of the Rewards Programme and will hereby be referred to as the “Rules”. 
  3. The Rewards Programme enables providers of goods and services ("Participating Retailers") to promote and offer them ("Participating Retailer Goods/Services") for purchase or participation by you in conjunction with certain rewards. You expressly agree that participation in the Rewards Programme is at your own sole risk. You understand that your purchase of or participation with Participating Retailer Goods/Services is subject to the terms and conditions of Participating Retailers and not these Rules. These rules do not affect those of your statutory rights which cannot be amended or excluded in law and the exclusions and limitations of liability contained in them shall be construed and applied accordingly. We exclude, to the fullest extent permissible by law, all representations and warranties including as to title, fitness for purpose, merchantability and/or satisfactory quality regarding goods and/or services obtained from Participating Retailers through the Rewards Programme. 
  4. We will use reasonable endeavours to ensure advertisements are correct. We are not responsible for incorrectly advertised Participating Retailer Goods/Services
  5. Your failure to correctly follow these Rules or instructions given by Us may result in no Rewards being credited to your account for which you will have no recourse against Us or Participating Retailers.
  6. You agree that the Rewards Programme is provided on a strictly “as is” and “as available” basis. We make no warranty that the Rewards Programme will meet your requirements or that it will be uninterrupted, timely or error free nor do we make any warranty as to the results that may be obtained from the use of the Rewards Programme or as to the accuracy or reliability of any information obtained through it. 
  7.  You understand that your contractual relationship for the Rewards Programme is with Us. You shall contact Us only and shall not directly contact Participating Retailers in connection with any aspect of the Rewards Programme, whether for the purposes of raising a query, seeking further information or making a complaint/claim
  8. Our failure to enforce your strict performance of any provision of these Rules will not constitute a waiver of our right to subsequently enforce such provision or any other provision of them.
  9. You are only eligible to join and continue to take part in the Rewards Programme if you meet the following criteria:
    • Have full legal capacity to enter into a contract;
    • Use your true legal identity in the Rewards Programme and third party Offers;
    • You are over 18 years of age;
    • Your permanent place of residence is at an address in the UK; and,
    • You maintain with Us a valid and subsisting email address.
  10. The personal data you provide to Us will be processed in accordance with our Privacy Policy. If you choose to opt-in, your email address will be used to send you regular offers from the Rewards Programme. You can unsubscribe from these emails at any time. Please read our Privacy Policy for more information. At times, and as per our Counter-Fraud Policy, we will ask for proof of ID. Rest assured that this information will be permanently destroyed upon verification of your identity.​​ 
  11. When your completed Offer has become an Approved Transaction, and the Cog relating to that Offer has turned green, then and only then will you be entitled to a Reward. At this point, your Cash Reward will be credited to your 20 Cogs Account.  
  12. Rewards shall be owned by Us and held in your 20 Cogs Account. Only Rewards obtained from Approved Transactions shall be credited to your Account.
  13. You understand and agree that Rewards have no value or cash equivalent, that they may not be transferred, exchanged or redeemed by You with third parties, whether for cash or in kind and that they do not represent any Stored Value. 
  14. You may only withdraw funds from your Account when all 20Cogs have been completed and have successfully turned green. 
  15. Whilst many Participating Retailers report credits within a few days of an Approved Transaction being completed, some do not report them to Us until their returns period has expired. In the event that you completed an Approved Transaction in full compliance with all associated conditions and the Cash Reward is not pending as a credit to your Account, then in order to resolve it, your only option is to raise a ticket with supporting evidence to our Helpdesk as a result of which We will then attempt to make recovery from the Participating Retailer. Whilst We shall use reasonable endeavours to recover Rewards for non-tracked transactions We shall have no responsibility or liability for such delay or failure.
  16. We cannot support Untracked Offer support requests where the transaction occurred more than 90 days ago.  
  17. If at any point a previous Offer that you have completed becomes rejected, you can provide us with Evidence that you took that Offer and it may lead to the Offer being approved, otherwise you will have to take an alternative Offer from that Cog. 
  18. Cogs that are marked Amber in your account are awaiting final confirmation from the Participating Retailer. This is an automatic process which can take up to 30 (thirty) days and there is little we can do to expedite the process. Only after 30 (thirty) days should you raise a ticket to the Helpdesk for an Amber Cog.
  19. In the event of an Offer not tracking (Cogs not turning amber or green within 2 working days of completion) you will be required to send us Evidence via the 20Cogs helpdesk. 
  20. You warrant to Us that whilst a participant in the Rewards Programme all of the information you provide in connection with it shall be at all times true and correct to the best of your information, knowledge and belief. You are required to use the Rewards Programme in an ethical manner. Providing incorrect or inaccurate information for the purpose of misleading others is committing fraud. Should we suspect your misuse of the Rewards Programme, we reserve the right to terminate your Account without warning. 
  21. We reserve the right to adjust the balance of your Account in respect of non-payment from Participating Relaters, refunds or returned products, suspected or actual dishonesty, and/or mistakes including, but not limited to, accounting errors. You understand that running a Rewards Programme can be technically complex, and that in the course of so doing information may be withheld, provided or received in good faith by any of the participants in it, which may lead to the balance of your Account being inaccurate from time to time. You and We will use reasonable endeavours to deal with and rectify Account inaccuracies, and you agree that We shall have no liability to you or any third party in respect of them, including Our inability to rectify them to your satisfaction.
  22. You are prohibited from benefitting from the Rewards Programme more than once within a 12-month period (i.e. cashing out your Reward more than once or completing the Rewards Programme more than once in a 12-month period). You are prohibited from holding more than one Account open at any time or using multiple identities to benefit from the Rewards Programme more than once. 
  23. Libellous, defamatory, obscene, threatening, or abusive language will not be tolerated towards our employees or other members of the website and may result in your account being permanently closed.
  24. You shall indemnify and hold us our affiliates, officers and employees harmless from any claim, demand, expense or damage (including reasonable legal fees) relating to your breach of these rules.
  25. You are responsible for the security of your Account. From time to time we may ask you to update your Account password as part of our security measures. Please follow the steps when asked, if you have any queries or concerns, please raise a ticket via the Helpdesk. You will be able to raise a ticket with the Helpdesk even if you are signed out of your Account.
  26. We will constantly review the balance of Rewards credited to your Account. When you are eligible to cash out your Rewards a ‘Collect Earnings’ button will appear and once clicked you will be sent a payment via Bank Details or PayPal™, or any other electronic method we may us in the future, in an amount equivalent to the then balance of your Account, subject to each of the following criteria being met: 
    • you have successfully completed one Offer from each Cog;
    • you have successfully completed all 20 Cogs;
    • all 20 Cogs have been validated and turned green; and,
    • you have provided us with your own personal Bank Details or PayPal™ details that match the name of your 20 Cogs account. 
  27. As part of our dedication to counter fraud, when sending your payment via PayPal™ and on your initial payment, we may make a small validation payment of £0.01 to your PayPal™ account to confirm compliance with these Rules. We reserve the right to withhold payment if there is a suspected breach of these Rules. If we believe you are breaching the Rules of the Rewards Programme we will ask you for proof of ID which will be processed in accordance with our Privacy Policy.
  28. You agree that you will not transfer your Rewards to any other person or third party, barter them for goods or services or deliberately or negligently enable any other person to obtain the benefit of Rewards awarded to you with or without your consent and that you will keep your Account details private and secret from others. You further represent and warrant to us in opening an Account with us that you are not acting on behalf of, or for the benefit of, anyone else.
  29. If you request your payment direct to your nominated bank account, you acknowledge that in the event that you provide incorrect bank account details your payment cannot be re-issued. Neither We nor Participating Retailers accept any liability in respect of you providing incorrect bank account details.
  30. Without prejudice to Section 29, you are permitted to raise a dispute regarding a missed payment for up to 3 months after the date that you request to cash out. If you raise a dispute within the 3 month period, we will investigate and reply to you within 10 working days. After 3 months, we will not accept disputes for missed payments and we will not be held liable for missed payments. 
  31. Upon remittance of the payment to you, the balance of your Account in respect of which it has been issued will be void regardless of whether or not the payment is safely received by you.We reserve the right to close your Account at our convenience. We may close your Account at any time where: 
    • You are in breach of the terms of these Rules;
    • You do not access your Account for 6 months; or
    • We suspect that your Account has been accessed without your Authorisation.
  32. If We terminate your Account because of a breach by you of these Rules you agree that you will not seek to register with the Rewards Programme again, whether using the same or a different identity to that under which you originally registered.
  33. If your Account remains inactive for a period of 6 months your Account will be closed. Unless we determine otherwise in our absolute discretion and on a case-by-case basis, the balance of your Account shall be void and you will no longer be able to access your Account. In this instance, you may re-join the Rewards Programme with a different email address so long as you meet the eligibility criteria outlined in paragraph 9. 
  34. At any time, we reserve the right to amend, suspend or terminate the Rewards Programme, any part of it or any feature within it, and/or restrict the hours of availability of the Rewards Programme without cause or liability and without your consent. Your continued use of the Rewards Programme shall indicate your agreement to the amended Rules. It is your responsibility to check back here for updates.
  35. You acknowledge and agree that regardless of the size of the balance of your Account, the Rewards standing to its credit, or to be credited to it shall be automatically voided (so that you will not be entitled to any payment in respect thereof) in any and all of the following circumstances: 
    • If We should experience any event or process forming part of an insolvency, administration, receivership or winding up;
    • If 20cogs.co.uk or the Rewards Programme should cease operations; or,
    • If for any reason, We should be unable to continue further funding of the Rewards Programme, in whole or in part and whether as regards some or all participants in it.
  36. We operate a programme in connection with the Rewards Programme called Refer a Friend. It offers you the facility to refer new users in consideration for a bonus Cash Reward. The bonus amount will be 5% of the Offer on each Cog they complete and a £20 bonus if they have 20 confirmed (green) Cogs subject to each of the following criteria being met:
    • The referred friend’s Offers are validated;
    • The referred friend has completed 20 confirmed (green) Cogs AND has cashed out successfully;
    • You have 20 confirmed (green) Cogs;
    • You have a balance of over £5.00 (GBP); and,
    • The referred friend meets the eligibility criteria in paragraph 9.
  37. You must not use inappropriate marketing methods, (including but not limited to, sending unsolicited email, posting in newsgroups or discussion forums that do not permit advertising or using false claims in their advertising) to benefit from the Refer a Friend Programme.
  38. Where you refer a friend who is not identified by the Reward Programme database as being referred via your original customised refer a friend link, no refer a friend bonus payment will be paid. We are not responsible for the failure of the Refer a Friend tracking links to accurately log your referrals. 
  39. In the advent that we run a promotion where a "Welcome Bonus" is given, this Bonus will only be payable when all 20 Cogs have been completed (turned green) and confirmed by the advertisers.
  40. Due to high volumes of fraudulent activity, the following email domains are prohibited on 20Cogs: mail.com, protonmail.com
  41. Please note, 20Cogs does not make payments to the following bank accounts: Monzo.
  42. These Rules shall be governed by and construed in accordance with the laws of England and Wales, whose courts shall have exclusive jurisdiction over any and all disputes arising out of or in connection with them. 

Last updated: 26.07.2021