July Promotional Campaign

TERMS AND CONDITIONS

1. Agreement, Acceptance and Overview

1.1 These promotional campaign terms ("Terms") form a binding agreement between you ("you", "your", or "Participant") and Troia Corp and its affiliates (d/b/a “KAST”, "we", "our", "us"). The Campaign is limited to one KAST Account per individual.

By (a) opening or maintaining a KAST Account, (b) executing or attempting to execute any transaction that may qualify for Cashback under the Campaign, or (c) otherwise continuing to use any KAST product or service during the Campaign Period, you acknowledge and agree that:

you have read, understood and accept these Terms and all other “Governing Documents” (defined below), each as amended from time to time;
your continued use of your KAST Account will constitute reaffirmation of your consent to the then‑current version of these Terms; and
you may opt out at any time by closing your KAST Account or following any opt‑out procedure we make available, but any opt‑out will not affect Cashback already forfeited, cancelled or credited prior to the opt‑out date.

If you do not agree to these Terms, you must immediately cease all use of your KAST Account.

1.2 Except as otherwise expressly provided herein, capitalised terms used but not defined in these Terms shall have the meanings ascribed to them in the Terms and Conditions of the Service (“Master Terms”).

1.3 Headings are for convenience only and shall not affect the interpretation of these Terms.

1.4 References to statutes include any amendments, re‑enactments or replacements thereof.

2. Scope and Contractual Incorporation

2.1 These Terms are supplemental to, and form an integral part of, the Master Terms. In the event of any conflict or inconsistency between these Terms and the Master Terms, these Terms prevail solely in relation to the Campaign.

2.2 By participating in the Campaign, each Participant irrevocably and unconditionally agrees to be bound by: (a) these Terms; (b) the Master Terms; (c) the KAST Referral Programme Terms (as amended from time to time); and (d) all other guidelines, policies and notices that the Company may issue in connection with the Campaign (together, the “Governing Documents”).

‍

4. Eligibility – New User

4.1 A person is eligible to participate as a New User if he or she:

(a) opens a KAST Account during the Campaign Period and maintains such account in good standing;

(b) successfully completes all know‑your‑customer ("KYC") and due‑diligence checks as may be prescribed by the Company;

(d) is legally permitted under Applicable Law to receive promotional credits and incentives.

4.2 An eligible New User will be enrolled automatically upon satisfaction of Clause 4.1.

5. Eligibility – Referral Program

5.1 To be eligible to receive any referral‑based Reward (“Referral Reward”) a participant must:

(a) be a KAST User whose KAST Account is maintained in good standing;

(b) have successfully completed KYC; and

5.2 A person is prohibited from receiving Referral Rewards if:

(a) his or her KAST Account was previously terminated by the Company for any reason;

(b) he or she is legally or contractually prohibited from receiving Referral Rewards; or

(c) the Company determines, acting reasonably but in its sole discretion, that the person has breached any provision of the Governing Documents.

6. Reward Mechanics

Referrers are eligible to receive USD 50 for each Qualified Referral, or USD 25 if the Referrer is classified as a P2 user, as categorized by the Company from time to time.

A “Qualified Referral” means a New User who (i) is correctly linked to the Referrer during onboarding and (ii) completes at least USD 100 in net Eligible Transaction within the Campaign Period. There is no limit to the number of Qualified Referrals a Referrer may make.

New Users are eligible to receive a one-time reward of USD 100 if they (i) register during the Campaign Period and (ii) complete at least USD 1,000 in net Eligible Transactions within thirty (30) calendar days from the date of account opening. For the avoidance of doubt, Eligible Transactions made and settled after the end of the Campaign Period will still be counted, provided the user was registered in time and the spend falls within their 30-day qualification window.

All rewards remain subject to final verification and audit by the Company. Any reward credited as a result of manifest error, fraud, or abuse may be reversed or withheld at the Company’s sole discretion.

6.5 Total Amount Caps. All Cashback accruals are provisional and subject to confirmation against the remaining balance of the Reward Pool at the time of transaction. When KAST determines, in its sole and absolute discretion, that the Reward Pool has been exhausted, (i) no further Cashback shall accrue in respect of any subsequently-settling transactions, and (ii) KAST SHALL HAVE NO LIABILITY WHATSOEVER TO ANY PARTICIPANT FOR CASHBACK OR INCENTIVES THAT WOULD OTHERWISE HAVE BEEN EARNED BUT FOR THE EXHAUSTION OF THE REWARD POOL.

7. Excluded Transactions

7.1 Transactions falling under the Merchant Category Codes (MCCs) listed in Schedule 1, as well as any other categories of transactions that the Company and/or its card-issuing partners may, from time to time, designate as excluded pursuant to network rules or internal policies, shall be deemed “Excluded Transactions” and shall not be eligible for any Rewards. Schedule 1 may be amended at any time without prior notice.

7.2 THE COMPANY RETAINS ABSOLUTE DISCRETION TO DETERMINE ELIGIBILITY AND MAY REJECT OR RESCIND CASHBACK AT ANY TIME FOR ANY REASON.

8. Accrual, Vesting and Credit

8.1 Rewards accrue provisionally at the time an Eligible Transaction is posted but do not vest until the expiry of a thirty (30)‑day vesting period commencing on 1 August 2025 (the “Vesting Period”).

8.2 During the Vesting Period the Company may reverse, adjust or withhold any provisionally‑accrued Reward in respect of refunded, disputed, reversed, declined or fraudulent transactions, or where the Company reasonably suspects a breach of the Governing Documents. In cases where reversal is required and the Reward has been used, the Company may debit the participant’s Kast balance or offset against future credits.

8.3 Subject to Clause 8.2, vested Rewards will be credited to the recipient’s KAST Account ledger on or about 31 August 2025, as determined by KAST; however, such date is an estimate only and the Company shall not be liable for any delay occasioned by events beyond its reasonable control.

9. Nature and Use of Rewards

9.1 Rewards are promotional credits: they are non‑cash, non‑withdrawable, non‑transferable and may be applied solely to offset the cost of goods or services made available through the KAST ecosystem in accordance with the rules published by the Company.

9.2 The Company makes no representation as to the continued availability, value or tax treatment of any Reward.

10. Fair Usage, Fraud, Abuse, and Forfeiture

10.1 The Company employs automated and manual controls including but not limited to identify self‑dealing, artificial spend, collusive merchant arrangements or other abusive behaviour (“Prohibited Conduct”).

10.2 If the Company determines, acting reasonably but in its sole discretion, that a participant has engaged in Prohibited Conduct or in any activities that breach the Governing Documents, the Company may, including but not limited to:

cancel, claw back or refuse to credit any Reward (vested or unvested);
suspend or terminate the participant’s KAST Account; and/or
take such further action to restore any kind of loss as it considers appropriate.

The participant agrees to promptly provide any information or supporting documentation reasonably requested by KAST to verify eligibility or investigate any activity. Failure to comply may result in the forfeiture of any Rewards.

10.3. Fair Usage and Abuse Prevention. To ensure a fair and transparent promotional environment, this Campaign is subject to a fair usage policy. The Company reserves the right to withhold, cancel, or claw back any rewards or benefits granted under this Campaign if, in its reasonable opinion, it determines or suspects that:

any participant has engaged in fraudulent, abusive, or dishonest behavior, including but not limited to self-referrals, use of fake or duplicate accounts, or coordinated referral schemes designed to game the reward structure;
the activity associated with the referral or qualifying transaction is artificial, non-genuine, or does not reflect actual economic activity; or
any terms of this Campaign or the Company’s general platform terms have been breached.

The Company further reserves the right to disqualify any participant from the Campaign and/or suspend or terminate any associated accounts if such abuse is detected. This shall be interpreted and enforced at the sole discretion of the Company, whose decision shall be final.

11. Reward Pool Limitation and Daily Snapshot

11.1 The Campaign shall terminate automatically once the aggregate of provisionally‑accrued Rewards equals the Reward Pool.

11.2 The Company will publish a non‑binding daily snapshot of the remaining Reward Pool on its designated communication channels; such snapshot is provided for convenience only and shall be conclusive save for manifest error.

12. Tax

Participants are solely responsible for any tax liability arising from or in connection with the receipt or use of Rewards. The Company shall have no liability for any taxes, duties or charges imposed on any participant.

13. Data Protection

Personal data processed in connection with the Campaign will be handled in accordance with the Company’s Privacy Policy and Applicable Law. Participants expressly consent to such processing and to any cross‑border transfers that may be necessary for the administration of the Campaign.

14. Modification, Suspension and Termination

14.1 The Company may modify, suspend or terminate the Campaign (in whole or in part) at any time with immediate effect at will.

14.2 The Company’s determinations under or in connection with the Campaign, including without limitation the eligibility of any participant or transaction, shall be **final, conclusive and binding**, and shall not be subject to appeal or review.

15. Limitation of Liability

To the maximum extent permitted by Applicable Law, the Company’s aggregate liability to any participant arising out of or in connection with the Campaign shall not exceed the monetary value of Rewards validly earned but not yet credited to such participant. The Company shall not be liable for any indirect, incidental, special, punitive, or consequential loss or damage, including but not limited to loss of profits, loss of opportunity, loss of data, or reputational harm, whether arising in contract, tort (including negligence), strict liability, or otherwise, even if the Company has been advised of the possibility of such damages. The limitations and exclusions set forth in this clause shall apply regardless of the form of action and shall survive termination or expiration of the Campaign or these Terms.

16. Indemnity

Each participant shall indemnify and hold harmless the Company, its affiliates, directors, officers, employees and agents from and against all claims, losses, damages, liabilities, costs and expenses (including reasonable legal fees) arising from or relating to:

(a) any breach of the Governing Documents by the participant; or

(b) any Prohibited Conduct.

17. Governing Law and Dispute Resolution

These Terms and any non‑contractual obligations arising out of or in connection herewith shall be governed by, and construed in accordance with, the laws specified in the Master Terms. All disputes shall be resolved exclusively in accordance with the dispute‑resolution mechanism set forth in the Master Terms.

18. Miscellaneous

18.1 Entire Agreement. These Terms and the other Governing Documents constitute the entire agreement between the Company and the participants in relation to the Campaign and supersede all prior understandings.

18.2 Severability. If any provision of these Terms is held invalid or unenforceable, the remaining provisions shall continue in full force and effect.

18.3 Assignment. Participants may not assign any rights or obligations under these Terms without the Company’s prior written consent. The Company may assign or novate these Terms at any time without prior notice.

18.4 Waiver. No failure or delay by the Company in exercising any right shall operate as a waiver thereof.

18.5 Survival. Clauses 8.2, 10, 12, and 15 through 17 shall survive the termination or expiry of the Campaign for any reason and shall continue to remain in full force and effect.

19. Interpretation

“Company” or “KAST” means Troia Corp and its affiliates.

“Cashback” means a promotional, non-transferable credit posted to the notional balance held on the Participant’s KAST-issued crypto card (or associated account ledger). Cashback does not represent legal tender, e-money, a deposit, or a redeemable crypto-asset, and it cannot be withdrawn, exchanged for fiat currency, or transferred outside the KAST ecosystem. It may be applied solely to offset the purchase price of eligible goods or services transacted through KAST’s payment rails, in accordance with rules that KAST may prescribe from time to time. Cashback is non-interest-bearing, carries no cash surrender value, and constitutes an unsecured, revocable contractual right against KAST that expires or is forfeitable under these Terms and the Master Terms.

“Campaign” means the promotional programme titled “5 % Anniversary Cashback” governed by these Terms.

“Campaign Period” means the period commencing at 00:00:00 UTC on 1 July 2025 and ending at 23:59:59 UTC on 31 July 2025, or such earlier date and time as determined by the Company in accordance with Clause 14.

“Eligible Transaction” means a bona fide purchase transaction (excluding Excluded Transactions) that is (i) successfully settled through KAST card as payment instrument issued or enabled by the Company during the Campaign Period; and (ii) that is made in accordance with the Governing Documents. Transactions that remain pending, are reversed post-settlement, refunded or fall outside this timeframe will not be counted.

“Excluded Transaction” has the meaning given in Clause 7, Clause 10 and Schedule 1.

“KAST Account” means an end‑user account opened with the Company pursuant to the KAST Terms and the Master Terms.

“New User” means a natural person who (i) at the time of executing an Eligible Transaction is not and has never been the holder or beneficial owner of a KAST Account; and (ii) satisfies the eligibility criteria in Clause 4.

“Referrer” means a KAST User that the Company’s systems conclusively identify as the referring party in respect of a New User.

“Reward” means the provisional Cashback incentive calculated in accordance with Clause 6.

“Reward Pool” means the fixed monetary budget of $500,000 or equivalent allocated by the Company to the Campaign, which shall not be replenished when exhausted, as discretionally decided by the Company.

‍

Schedule 1 – Excluded Merchant Category Codes (non‑exhaustive)

5947 – Gift, souvenir, novelty and stored‑value products

6051 – Quasi-Cash—Merchant (Non-Financial Institution): foreign currency, money orders, travellers cheques, prepaid & crypto purchases

4829, 6538, 6540 – Money orders, wire transfer, remittances, POI Funding Transaction (Non-MoneySend)

7299 – Miscellaneous personal‑services merchants designated high‑risk

Any MCC that a card scheme or the Company designates from time to time as “High‑Risk”, “Gambling” or “Prohibited”.

This Schedule may be updated at any time without prior notice.

‍