Business Insider Coupons Platform: Terms of Service Breakdown

The coupon service operating at coupons.businessinsider.com is run not by Business Insider itself but by GSG North America LLC, a Delaware-based subsidiary of Global Savings Group — a European affiliate marketing and deal-aggregation company. Users must be 18 or older and U.S.-based to use the service, which functions purely as a middleman connecting shoppers to third-party merchant discount codes.

The terms make clear the platform takes on virtually zero liability for the deals it lists. Promotional codes can be disabled, altered, or expired at any time by merchants without notice, and the company explicitly disclaims responsibility for whether any coupon actually works. The platform is not a party to any transaction made using its codes, and any disputes with merchants must be taken up directly with those merchants or regulators like the FTC.

The liability cap is strikingly low: if users suffer any harm from using the service — including financial loss — the company's maximum payout is capped at $100, regardless of circumstances. All disputes must go through JAMS binding arbitration on an individual basis, with users waiving their right to class-action lawsuits or jury trials. Users can opt out of the arbitration clause, though the terms note this option exists without detailing the opt-out window prominently.

Users who submit feedback or suggestions about the platform automatically assign all intellectual property rights in that feedback to the company, receiving no compensation in return. The restrictions section is broadly written, prohibiting scraping, bots, reverse engineering, and essentially any commercial use of the site's data — language typical of affiliate deal platforms protective of their merchant relationships and commission structures.