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Zogo works by rewarding you for learning! When you complete an educational module, refer a friend to Zogo, or participate in a community event you'll be rewarded with Pineapples. These Pineapples can be redeemed for rewards in the Marketplace.

Our educational content is organized into Skills, which contain Modules. Each Module is made up of about five snippets and five questions. Completing an entire skill rewards you with a badge.

To navigate between snippets, simply tap on the right side of the screen to advance, or the left side to go back. Once you've started the quiz portion of a module, you won't be able to return to the previous snippets until you complete the quiz.

Confirming your email address helps us to make sure any rewards you earn are sent to the right place. It also helps us keep in touch with product updates, community events, and more!

Our account verification process prevents gift cards and other rewards from being claimed by scammers, bots, and hackers. Because the number of gift cards we distribute is limited, we have to be careful to make sure they're going to our users, rather than the bad guys.

Stripe Identity is a third-party identity verification service provided by our partner, Stripe. This service allows us to confirm that your Zogo account belongs to a real person by matching a photo of your ID to your account details. This process helps us prevent bots, scammers, and hackers from unfairly claiming rewards.

Follow these steps to get Stripe verified:

• Visit the Marketplace tab in the Zogo app
• Tap the Unverified account or Failed Verification button in the top right corner of your screen
• Follow the steps to submit a valid ID (U.S. driver's license, non-driver ID card, or passport)

If you're not comfortable verifying your identity with Stripe, that's okay! You can still learn and earn Pineapples on Zogo, but you will not be able to redeem rewards.

At this time, we can only accept the following documents for Stripe ID verification:

• A United States passport
• A United States driver's license
• A United States non-driver identification card

Please do not submit any other forms of documentation, as we cannot accept them.

If you're under the age of 16, or are a minor without a U.S. government-issued ID, your parent or guardian will need to provide their ID for account verification.

Once your parent or guardian completes account verification, your account will be able to exchange Pineapples for rewards.

Because our ID verification process is designed to prevent scammers and bots from making a large number of duplicate accounts, we need to limit an ID to a single account.

If you are a parent or guardian with multiple family members using Zogo, and would like to use the same ID for more than one minor verification, please contact us at support@zogofinance.com.

For many users, rewards are supported by partnered financial institutions, like banks or credit unions. You may find that your Zogo account is sponsored by a partner in your area.

Sponsoring won't affect your Zogo experience, but a sponsor may contact you with offers for their services.

Referring your friends and family to Zogo is the easiest way to earn Pineapples. Tap the shield icon at the bottom of your screen to view your referral code. Share this code with your friend! Once they've completed three modules and verified their email address, you'll receive your referral bonus.

You can also earn Pineapples by completing educational content and participating in community events. When community events are available, you can find them in the Marketplace tab.

Rewards can be claimed in the in-app Marketplace! Please note, you may need to verify your account before you can redeem your Pineapples.

When you lose a heart, a four hour timer will begin. Once that timer is up, you will regain that heart. Each heart has its own timer and will reset individually. To view the timer for your most recently lost heart, tap the heart icon at the top of your screen.

You can also refill your hearts instantly by spending 500 Pineapples. You'll be prompted to do so when you run out of hearts.

A Streak point can be earned once per day by completing a module. If you go a day without completing a module, your Streak will be lost. The daily Streak timer resets every day at 7 AM Central. After 7 AM, you'll be able to add another point to your Streak.

To stop receiving emails from Zogo, click the unsubscribe link at the bottom of any of our emails.

If you're receiving other communications that you would like to stop, please send us an email at support@zogofinance.com telling us you would like to opt out of all communications. We'll make sure to remove your information from our subscriber lists.

What financial topics are you interested in? Have a specific finance question? Send us an email at ask@zogofinance.com to let us know!

You can find Zogo's Terms of Service at Terms of Service – Zogo Finance.

Pineapples are Zogo's main currency. Pineapples are earned by completing in-app content, participating in Zogo community events, and referring new users to Zogo.

Pineapples can be exchanged for gift cards or donated to charities in the in-app Marketplace.

The redemption email can take up to 48 hours to arrive. In some cases, your email may have filtered it out of your main inbox, so be sure to check your spam and junk folders for an email from Giftbit (our reward provider). If you have not received a redemption email after 48 hours, please contact support@zogofinance.com.

Gift cards restock every day at 12:00 AM Eastern time but are in limited supply. If you aren't able to redeem your gift card at that time, or if you're having other difficulties redeeming rewards, please contact us at support@zogofinance.com .

If your gift card was flagged for review, it was likely marked as “suspicious” in our system. This process helps us filter out bots, spammers, and other harmful activity. In most cases, legitimate redemptions will be reviewed and approved by our support team, though this may take up to 48 hours.

If, after 48 hours your gift card has not been approved, please contact support@zogofinance.com to appeal our support team's decision.

If you aren't able to sign up with your phone number, it's probably because of one of the following issues:

• Your phone number may be formatted incorrectly. Please submit the number only, without added spaces or characters.
• Your phone number is not a verified U.S. number. Numbers from VOIP services like Skype or Google Voice cannot be accepted.
• Your phone number is already tied to a Zogo account. Please contact support for assistance.

Additionally, if none of the above describes your situation, please contact support@zogofinance.com.

Referring your friends and family to Zogo is the easiest way to earn Pineapples! To refer a friend:

• Tap the shield icon at the bottom of your screen to view your referral code.
• Share this code with your friend.
• Once your friend completes three modules and confirms their email address, you'll receive your referral bonus!

If you'd like to track your friend's progress, you can do so on the in-app Friends Leaderboard.

We review all community challenge video submissions once per week. If your video was uploaded to a social platform on the same week we received your submission (meaning you didn't submit the link to an old video) and you used the #Zogo tag, your Pineapples will be automatically added to your account. If you haven't received your Pineapples seven business days after submitting your video, please contact support@zogofinance.com.

User data is processed and stored securely on the cloud, aligning with industry best practices. If you would like your data to be deleted, please send a request to support@zogofinance.com from the email address associated with your Zogo account.