03 Sep 2010 
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 What is Morpoint
 Morpoints (Cash Rewards) are real money that we send to you by Check or via PayPal. We pays a portion of the commissions we receive from our partners/stores and pay it out to you. You can get Morpoints whenever you and your referrals do the foll
 Is this really FREE?
 Yes! There are no membership fees and no hidden charges. Your membership is completely free and you can cancel at any time.
 Do I have to become an Ovago member to shop here?
 No, but it helps. While anyone can shop and take advantage of the great deals in Ovago, only members get Morpoints from the purchases they make and the free offers they try. Find out Why use Ovago,
 Why use Ovago? What do I get when I join?
 By shopping through Ovago, you not only get great discounts from our participating Merchants, you will also be given your very own Ovago e-mall (Ovago PWS). Where you can collect Morpoints (Morpoints will turn in to CASH each month) by:1.
 Do I have to go to my own Ovago PWS each time before I shop?
 Yes. This is how we automatically track what you purchase in Ovago. By tracking what you purchase, we can calculate and pay you the exact amount of Morpoints you have earned.
 Do all your merchants ship worldwide?
 Most merchants ship to most countries. If you click on the merchant name, a merchant description will pop up. You’ll be able to view the shipping details there. For shipping details on specific countries, you may wish to click to the merchant’s site.
 How do I join?
 Simply sign up for free. It takes only a minute with our simple 2-step registration process. Sign up today and you can even win attractive prizes! Start enjoying Cash Rewards and participate in Surveys now!Sign up with
 What will I receive after registration as a member?
 You will receive your own personalized Web site, known as your Personal Web site (PWS) and access to the Member Area, where you can manage your account online and access member-only information. More details will be sent to you via email aft
 What are the various methods of registration?
 Online registration is the quickest, most efficient and the only way to enjoy membership. Sign up now and you can even win attractive prizes!
 Does Ovago guarantee my products, purchases, or Morpoints?
 Our merchants must meet strict performance criteria in order to be listed in Ovago. We will have to hold your Morpoints payment until we receive payment for or record of your transaction from the merchant. Additionally, neither Ovago nor any of its parent
 Which of my purchases or free trail that I take will be credited with Morpoints?
 Morpoints will be credited when you purchase or try free offers at Ovago merchants only if you start at Ovago and click to the merchant via Ovago Web site. As much as we’d like to give you Morpoints even if you do not start at Ovago, the merchants do no
 What happens if I jump around from site to site, comparing prices before I make a purchase?
 Most shoppers like to compare prices at different sites. If you do this, you must make sure that you go back to Ovago first before returning to the site that you intend to make your purchase. You must click on the merchant’s link within Ovago in order t
 What if Ovago doesn't offer the store I want?
 We are working daily to ensure our member base enjoys a wide variety of goods and services from quality merchants. If we do not have your favorite store, or if you would like to recommend a store to us, simply
 How safe is my credit card info?
 This depends on the security measures that the merchants you shop with have in place. Ovago does not require your credit card info, as no transactions take place at Ovago.
 Why am I unable to view merchant sites when I click on their link on the Ovago?
 The Ovago uses both pop-up windows and JavaScript technology to provide its shopping functionality. If your PC is configured to block pop-up windows, or has JavaScript disabled, the merchant links will not operate correctly. Therefore, please ensure that
 Which browser does your Web site currently support?
 Internet Explorer 5.0 and above.
 Can I use MSN Passport at Ovago?
 No, you may not use MSN Passport while shopping through Ovago.
 Can I use Morpoints to make purchases?
 Not at this moment.
 What are Referral Rewards? How do they work?
 Referral Rewards are our way of thanking you for referring your friends to us. When the friends you refer participate in surveys, try free offers or shop, they collect cash rewards in the form of Morpoints from all their activities. And you’ll
 How do I refer others?
 Your PWS is available worldwide at any time, even while you’re asleep. Thus you can rely on it to easily build your global referral base, 24 hours a day, 7 days a week. All you have to do is simply refer friends to your PWS; no matter where they are; an
 What is PWS?
 PWS stands for your Personal Web Site. This is given to you free upon registration. You can also refer your friends to your own PWS:Yoursay : If you feel that your friends don't mind getting rewarded for giving their opinions
 How do I know how many Morpoints I have?
 Simply log in to the Member Area with your (Member# or email address), and (password). You can view the amount of Morpoints you have collected as well as change your account details and preferences
 How can I collect Morpoints whenever I shop online?
 Simply go to your own Ovago PWS, www.ovago.net/youremailaddress or www.ovago.net/yourmember# e.g. www.ovago.net/3234
 How do I know how many Morpoints I will receive?
 The amount of Morpoints is indicated beside each merchant’s name.E.g Magazines of America, 10x Morpoints.This means that for every $1 you spend at Magazines of America, you’ll receive 10 Morpoints.
 Why do I earn different amounts of Morpoints at each merchant?
 We want to offer you the largest amount of Morpoints possible from each merchant. The Morpoints you earn is based on each merchant’s gross margin. And, as you can imagine, the gross margin on a computer would differ greatly from that of a magazine. So,
 Who do I get the Morpoints (Cash Rewards) from?
 The cash rewards come directly from us. They are given in the form of Morpoint.Every 100 Morpoints you collect gives you $1 cash. Each month, your Morpoints will automatically be converted to cash for you.
 Do I earn Morpoints when I purchase a continuity program where I automatically receive a product or service periodically?
 You will receive Morpoints for your initial purchase, but not for the subsequent installments.
 What are free offers?
 Free offers are free services or products, offered by our Affiliated Merchants, that you can enjoy, for free. There is no purchase required, and absolutely no obligation to buy. Many of these offers are made up of time-limited free trials of useful servic
 Are these offers really free?
 Yes, they are really free. We understand that there are lots of offers out there, all proclaiming to be free. Unfortunately, not all of them are. That's why we are dedicated to featuring only genuine, free cash offers. We apply a strict selection criteria
 I live outside of the U.S.A. Do the offers still apply to me?
 If you live outside of the U.S.A., you can either take those offers that have a "For all countries" description, or select your country in the "Ship To" option box at the top right corner of your Ovago
 Why are you paying me to try these free offers
 Merchants pay us to advertise their free offers. In appreciation of you trying these free offers, we would like to share these earnings with you by giving you cash rewards.
 Do all the free offers require me to give my credit card information?
 No. Free offers that do not require credit card information will be indicated with a "No credit card required" description.
 Why do I have to enter my credit card information for some of the free offers?
 This is to ensure that the free offer is restricted to one per user, that the user is genuine, as well as to prevent abuse. The Merchant would also like to continue providing you their services.
 Will my credit card be charged during the free trial period?
 No. It is usually stated in the free trial terms and conditions of each merchant that your credit card will not be charged
 Will my credit card be charged after my free trial expires?
 No, unless you continue with the service after your free trial expires.If you do not wish to continue with the service, there are usually two ways to cancel:1. For Opt-in services: To cancel the service, you do not need to do anythi
 How do I inform the merchant that I wish to cancel my trial or service?
 It varies between merchants. Cancellation can usually be done via email, phone or through their Web site. Please check the specific details with them.
 I can't log in to the Member Area.
 To log in, use either one of the following combination:1. Member# and Password, or2. Email and PasswordIf you still could not log in, it may due to the following reasons:1. You've terminated your membership2. Incorrect me
 What if I want to return or cancel an order?
 Returns are subject to the return policy of the merchant from whom you purchased. If you return or cancel an item, we have to reverse any Morpoints given from that sale.Returns (also deemed as exchanges) will also make a Morpoint payment ineligi
 If I make a purchase in Ovago, who should I contact if I have a question / issue regarding my order?
 All transactions you make in Ovago take place between you and the merchant -- just as if you went to their site directly to shop. If you have a question or issue regarding your order, you should contact that specific merchant’s customer service departme
 I am already a member of your partner sites. Do I still need to register with you?
 No. There is nothing else that you need to do. As a member of one, you are automatically a member of all our partner's sites. Therefore you enjoy all their benefits as well.
 Are there any fees involved in the termination of membership?
 No
 Will you sell information about me or my purchase habits?
 Absolutely not.
 How many points do I get for each dollar I spend?
 It depends on the Store. They may reward you 1, 5, 10 or more points per dollar you spend with them. For example, if you spend $100 at a Store  that gives 10 points per dollar, you'll receive 1000 points
 For each Morpoint I collect, how much cash back will I get?
 You'll get 1 cent for every Morpoint you collect. For example, if you have collected 1000 Morpoints, you'll get 1000 cents = $10.
 How do I exchange my Morpoints for cash?
 You don't have to do anything. The Morpoints that you collect will automatically be converted to cash each month for you.
 I've received an email confirming the Morpoints that I've earned. But I didn’t see any Morpoints in my Rewards Account yet. How long does it take for the points to be credited into my account?
 The email that you've received is the transaction acknowledgement email from us for the transactions that you've made.Once the merchant has verified the authenticity of the transaction, we will deposit Morpoints into your account and send you no
 Why do I get Morpoints when the friends I refer collect Morpoints?
 It’s our way of thanking you for recommending your friends to join us.
 Is there a limit to the amount of Morpoints I can collect?
 No, there is no limit to the amount of Morpoints you can collect.
 Can Morpoints be combined or transferred from different accounts to get rewards faster?
 Sorry, Morpoints cannot be combined nor transferred from different accounts.
 What is the cut-off time for Morpoints collection within a particular month?
 It will be the last day of the calendar month based on Singapore Time (GMT +0800).
 Do I need to pay for PWS?
 No, it is given to you free to make it easier for you to share with everyone, everywhere.
 How long does it take before my membership is issued after registration?
 Immediately, upon successful registration.
 I have just registered and was about to refer friends until I found a "Please do NOT use hotmail email address here" message. This is my only email address. Is this going to be a problem?
 It won't cause any serious problem. Just that your invitation emails to your friends may go into their Junk / Spam folder due to hotmail's validation process.
 I've cancelled the free offers within the trial period, do I still get my Morpoints?
 Generally yes. Unless the merchants inform us otherwise.
 I've cancelled my free trial offer, why are you still sending me "Transaction Noted" email?
  "Transaction Noted" email is to inform you that your action of taking free trial offer has been tracked and recorded, rewards may still be deposited to you accordingly even though you have cancelled your free trial offer, unless we're otherwis
 Are the free offers available for one time try only or unlimited times?
 You can try to take the free offers as many times as you want. However, most of the time, those merchants will only allow the same person to register for the free trial only once.
 How do I make sure I'm saving as much as possible?
 We make it easy. Of course you have to Sign Up if you haven't already joined. Then just go to your own Ovago PWS. You can browse the “Categories”, or view “All Stores”. Click on “>>” to go directly to the store and you'll be get
 What is PayPal?
 PayPal is an online payment solution with over 100 million members located in 55 countries. PayPal enables any business or individual with an email address to securely, easily and quickly send and receive payments online.
 Can I use special offers and coupons and still earn Morpoints?
 We work with our merchants to provide you with specials and coupons that you can combine with Morpoints for maximum savings. We try very hard to provide you with an extensive list of merchant specials and coupons. Please refer to "Hot Offers"
 Do all purchases qualify for Morpoints?
 Virtually every item you purchase through your Ovago PWS qualifies for Morpoints. Morpoints value will not appear for those Merchant that does not allow Morpoints. We cannot, however, give Morpoints for taxes, shipping, or any portion of a purchase that i
 Do all purchases qualify for Morpoints?
 Virtually every item you purchase through your Ovago PWS qualifies for Morpoints. Morpoints value will not appear for those Merchant that does not allow Morpoints. We cannot, however, give Morpoints for taxes, shipping, or any portion of a purchase that i
 How do I change my account information?
 You can change your password, address and any other member information in a snap by visiting the Member Area. By keeping your member information updated, we can continue to properly inform you
 What happens if I forget my Member# and password?
 No worries. We have a Member# and password reminder facility at our Member Area just for that.
 How do I receive my Cash Rewards?
 Each month, your Cash Rewards (Morpoints) will automatically get converted to cash. The cash will continue to accumulate in your account. If your Cash Account amount exceeds the minimum threshold, you can request Cash Out by simply log in to the
 If I want to terminate my membership, what should I do?
 To terminate your membership, please log in to the Member Area and click on "Settings" on the left. Do note that upon termination, any rewards you may have accrued will be forfeite
 Can I unsubscribe from your mailing list?
 Sure, you can unsubscribe at any time. All mailings, except corporate announcements, are optional. To manage your email preferences, please log in to the Member Area, and click on &quo
 How do I check the Morpoints that I've accumulated so far?
 1. Log in to the Member Area with your Member# and password.(if you've forgotten your password, you can use the password reminder facility, by clicking on "forgot password?")
 How can I change my email address?
 Please log in to the Member Area to update your email address.
 I've signed up with the wrong email address. What should I do?
 Please log in to the Member Area to update your email address.
 I've accumulated some Morpoints previously but now when I login and check again, it shows 0 Morpoints. What happened to the Morpoints that I've accumulated previously?
 Each month, your Morpoints will automatically be converted to cash for you. Therefore, Morpoints that you have accumulated in previous months have been converted to cash and you should be able to see in your "Cash Account" under "Morvo B
 Do I earn Morpoints when my referral makes a purchase, tries free offers or participate in a survey, a year from now?
 As long as they joined using your PWS, you’re eligible to earn Morpoints on every single purchase that they make, every free offer they try or participate in
 Do you accept member from any countries in the world?
 Yes, we accept members worldwide. Anyone who is at least 12 years of age or above can register for free.There are many ways to refer friends about the great benefits we offer, to find out go to
 How do I get Morpoints when others shop?
 Whenever someone you refer shops at their own PWS, we'll reward you with additional Morpoints; the equivalent of 5% of the Morpoints this person collects.
 I've just joined and received my own PWS. Can I now use this page in an affiliate program or on any other web sites / blogs to advertise?
 Yes, you can use the URL of your own PWS, anywhere. Just don't spam.
 How do I get Morpoints by trying free offers?
 Simply go to your Personal Website (PWS), click on any free offer, and then complete the steps indicated for that free offer. In order to earn Morpoints
 How do I link my Web site / Blog to my Personal Web Site (PWS) so I can earn even more Morpoints?
 Simply place the hyperlink of your PWS on your existing Web site / Blog. Upon clicking, visitors will be directed to your PWS, where they can sign up with you.
 Who are your merchants?
 Please visit www.ovago.net/ovago
 Is it true that my Morpoints never expire?
 Yes, the Morpoints that you collect will never expire. They will automatically be converted to cash each month for you.
 When will I get my Peronal Web Site (PWS)? What is the URL?
 Upon successful registration, your PWS (URL) will be immediately created. Instructions on accessing your PWS will be given on the Web after you have successfully registered, as well as sent to you via e-mail.
 I clicked the "Join now!" button and nothing happened. What should I do?
 Make sure that your browser enables javascript (you can check the settings on your browser for this). If javascript is enabled and it still does not work, you can request for us to sign you up on your behalf. All you need to do is give us the same info
 Where do I send my comments, questions or suggestions if I have any?
 We welcome your feedback, suggestions and questions. You can submit a ticket to us.
 I’ve referred many people. How come I don’t see any Morpoints in my account yet?
 For every new member you refer, it will increases your chances of winning great prizes. However, we do not rewards points for referring. You get Morpoints only when 1. You engage in any activities that reward you with Morpoints2. Your refer
 What email addresses can I add to my address book, so I can receive surveys and other offers?
 Please add the following email address to your email address book to prevent them from routing to your junk / trash folder. If you are using a spam filter, please configure them to accept our email addresses as well.
 I've signed up with you, but I did not get a confirmation email.
 We're sorry that we're unable to resend you the confirmation email as it's an system generated email. Please check if that email has been routed to your junk / spam folder. If it didn't, please
 I try lo login to Member Area but it says that
  The problem is because of multiple attempt to log in with incorrect password. Please submit a ticket to us.
 What I can do with the Morpoints that I've earned?
 Each month, your Morpoints will automatically get converted to cash. The cash will continue to accumulate in your account until you decide to cash out. How to cash ou
 What do you do with the information I give you?
 We use this information to create personalized product recommendations, surveys invitation, content, services, and advertising specific to you. All of the profile and rating information stored in our database has been entered solely by you and may be edit
 Will I start receiving "spam" if I join?
 No. We will not sell your information to any third party. As part of our Terms and Conditions, we do send our own members information related to surveys, savings, special offers and corpora
 Is there a tool to help me calculate how much I can potentially earn?
 Yes, you can click on the "calculator" link to calculate how much you can potentially earn.
 Do I have to go to my own PWS each time before I try these free offers?
 Yes. This is how we automatically track which free offers you tried. By tracking the offers, we can calculate and pay you the exact amount of Morpoints you have earned. Example of your own
 How do I change my details or profiles?
 You can update your profiles by logging in to the Member Area with your (Member# or email address), and (password), click on "Settings" on the left and select "Members Details".All changes can be made from there, exce
 I cannot update my details as each time I click settings or any menu, I have to sign on again and this goes on in a loop
  It may due to your browser setting or browser incompatibility. Our websites work on both IE6 & IE7 and most compatible with IE6. Kindly try with another PC with IE6 or IE7.
 Why I can't view my Cash Bank A/C, it keeps redirecting me back to Login Page!
  You may be using Internet Explorer 8.0. To fix this problem, please do the following:1. Visit www.morvo.com/memberarea2. Click on the "Compatability View" button to the right of the Address Bar. You may find out more on
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