Apple Pay / Google Pay Adoption & Card Usage Campaign

1. Overview

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KAST is running a limited lifecycle test for eligible KAST Card users who have not yet added their KAST Card to Apple Pay or Google Pay.

Eligible participants in the incentive group can receive $5 back after adding their KAST Card to Apple Pay or Google Pay and completing $50 in qualifying KAST Card spend within 14 days of receiving the Day 14 offer. The reward is paid only after wallet provisioning and the qualifying spend requirement are validated.

This campaign is designed to test whether Apple Pay / Google Pay education and a delayed small spend-linked reward can increase wallet provisioning and downstream KAST Card usage.

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2. Reward details

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Eligible participants in the incentive group will receive $5 back after adding their KAST Card to Apple Pay or Google Pay and spending at least $50 with the KAST Card within 14 days of the Day 14 offer.

• Reward type: Cash-back style campaign reward
• Reward amount: $5 per eligible qualifying participant
• Total campaign budget cap: $9,030
• Reward group: Delayed incentive group only
• Reward trigger: Successful Apple Pay or Google Pay provisioning plus at least $50 in qualifying KAST Card spend within 14 days of the Day 14 offer
• Reward distribution date: [DISTRIBUTION_DATE]
• Reward currency / credit method: [REWARD_CURRENCY_OR_METHOD]

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3. Eligibility

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• Eligible jurisdictions: Top 20 countries / global eligible cohort, subject to confirmation by Legal and product availability.
• KYC requirement: User must have completed identity verification and all onboarding requirements before the end of the Campaign Period.
• User segment: Active or recently active KAST Card users with an active KAST Card who have not already added their KAST Card to Apple Pay or Google Pay, and who are eligible by country, device, and card configuration.
• Minimum activity: For incentive-group participants, add the KAST Card to Apple Pay or Google Pay and complete at least $50 in qualifying KAST Card spend within 14 days of the Day 14 offer.
• Exclusions: Users who already have Apple Pay or Google Pay provisioning, have no active KAST Card, are in unsupported countries or use unsupported devices, have blocked, restricted, or compliance-sensitive account status, or are enrolled in a conflicting card-usage campaign are not eligible.

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4. How to participate

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1. Sign up or log in to the KAST app and complete identity verification and onboarding requirements.
2. Keep your KAST Card active and ensure your device and jurisdiction support Apple Pay or Google Pay.
3. If you are assigned to the delayed incentive group, add your KAST Card to Apple Pay or Google Pay and spend at least $50 with your KAST Card within 14 days of the Day 14 offer to unlock the $5 reward.

Participation is automatic for eligible users selected into the campaign test groups. Assignment to the message-only, delayed incentive, or holdout group is determined by KAST. Users in the message-only group and holdout group are not eligible for the $5 reward.

If opt-in is later required for eligibility, it must appear here and in the campaign key dates before launch.

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5. Campaign-specific rules

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• This Campaign is available only to eligible users in supported jurisdictions, subject to confirmation by Legal and applicable product availability.
• KAST may limit participation to the selected test cohort and may split eligible users into message-only, delayed incentive, and holdout groups.
• Only users assigned to the delayed incentive group are eligible for the $5 reward.
• To qualify for the reward, an eligible delayed-incentive participant must successfully add their KAST Card to Apple Pay or Google Pay and complete at least $50 in qualifying KAST Card spend within 14 days of receiving the Day 14 offer.
• Transactions must be genuine purchases using the KAST Card. Transactions that are refunded, reversed, disputed, charged back, declined, cancelled, fraudulent, self-dealing, abusive, or otherwise invalid do not count as qualifying activity.
• Qualifying transactions must together reach at least $50 in total KAST Card spend. This minimum spend requirement is intended to prevent low-value or artificial transaction splitting.
• Each eligible participant may receive a maximum of one reward under this Campaign.
• Rewards are subject to the total campaign budget cap of $9,030 and are not guaranteed.
• KAST may exit users from the communications journey after successful wallet provisioning.
• KAST may withhold, reverse, or claw back rewards if it reasonably determines that a participant has breached these rules or engaged in fraud, misrepresentation, abuse, or manipulation of the Campaign.
• KAST Card availability, Apple Pay / Google Pay availability, features, limits, and transaction eligibility vary by jurisdiction, device, card configuration, and applicable cardholder terms.
• By participating in this Campaign (including by registering for the Campaign, completing any qualifying action described on this page, claiming or redeeming any Campaign reward, or otherwise taking any step that this page identifies as a means of participation), you agree to these campaign-specific rules and the terms set out in the “Important Information” section below.

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‍Important Information

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• Participation in this campaign (the “Campaign”) is strictly optional.
• The Campaign is governed by the campaign-specific rules on this page, the KAST Reward Terms, and the KAST Platform Terms, KAST Privacy Policy, each of which is incorporated by reference. If there is any inconsistency, the campaign-specific rules on this page prevail, followed by the KAST Reward Terms and then the KAST Platform Terms, except where applicable law requires otherwise.
• To be eligible, you must hold a KAST account that has completed identity verification and all onboarding requirements before the end of the Campaign Period and maintain your account in good standing through the date rewards are distributed.
• The Campaign is not available in all jurisdictions and is void where prohibited.
• Rewards are limited and not guaranteed. KAST reserves the right to amend, suspend, or cancel the Campaign or its mechanics at any time at its sole discretion, subject to applicable law.
• Rewards will be credited by the distribution date stated on this page. Where a reward must be actively claimed, rewards not claimed by the stated deadline are forfeited without compensation. Where the campaign-specific rules impose a holding period, minimum balance, or continued subscription requirement, failure to maintain it may result in reversal or clawback of the reward as described in those rules.
• Transactions that are refunded, reversed, disputed or charged back do not count as qualifying activity, and KAST may deduct such amounts from your qualifying volume, including after a reward has been distributed.
• KAST will disqualify any participant, and may withhold, reverse, or claw back any reward, where it reasonably determines that the participant has engaged in fraud, misrepresentation, or abuse of the Campaign – including the use of multiple, shared, or coordinated accounts; self-dealing, wash, or offsetting transactional; refund or chargeback cycling; exploitation of an error in Campaign mechanics; or any other manipulation of the Campaign.
• KAST cards are issued pursuant to license from the applicable card network. The Campaign is offered by KAST alone and is not sponsored, endorsed, or administered by any card network or any bank or issuing partner.
• KAST’s determinations regarding the Campaign, including eligibility and reward calculation, are final and binding, subject to applicable law. Nothing in these terms excludes or limits rights you have under applicable consumer protection law that cannot be waived by agreement. If you have a complaint, contact KAST support through the app or website.
• If contradictions exist between this English text and any translations, the original English version shall prevail and serves as the definitive reference for accuracy.