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KAY and KAY OUTLET ("KAY") gift cards ("Gift Cards") are issued by SGCO, LLC. When you purchase or use a KAY Gift Card, you agree to the Gift Card Terms and Conditions available on https://www.kay.com/gift-card-terms ("Terms"), including, without limitation, your agreement to arbitrate disputes and waive your right to participate in class action lawsuits against the Gift Card issuer and its affiliates. Gift Cards are redeemable at KAY retail locations or online at https://www.kay.com. Gift Cards may be used to purchase KAY merchandise or services only. Gift Cards cannot be used to purchase other Gift Cards, to pay off balances on any KAY Credit Card account, or in a way that violates these Terms or applicable law. Gift Cards have no cash value and are not redeemable for cash unless required by applicable law. Gift Cards do not expire and are not subject to any dormancy or other fees. Gift Cards cannot be returned, exchanged, reloaded, or resold. Protect your Gift Card like cash. KAY is not responsible for Gift Cards that are lost, stolen, damaged, or used without your permission. If your Gift Card is lost, stolen, or damaged, and you have the required proof of purchase, KAY will issue you a replacement Gift Card with the balance shown on KAY records at the time of notification. For balance inquiries and to obtain information about Gift Cards, call 888-243-4333 or visit any KAY retail location or https://www.kay.comnk">https://www.kay.com</a>