KAST Membership Agreement

April 8, 2026

1. Introduction and Acceptance

This Membership Agreement ("Agreement") sets out the terms and conditions governing the purchase, activation, use, and upgrade of membership tiers (each, a "Membership") offered by KAST Tech and its affiliates ("KAST", "Company", "we", "us", or "our") through the KAST website and mobile application (the "Platform").

This Agreement supplements and incorporates by reference the KAST Terms and Conditions of Service, the Privacy Policy, and any other applicable KAST agreements (together, the "KAST Agreements"). In the event of any conflict between this Agreement and the KAST Agreements, this Agreement shall prevail in respect of matters relating to Memberships.

By purchasing, activating, or upgrading a Membership, you ("Member", "you", or "your") acknowledge that you have read, understood, and agree to be bound by this Agreement. If you do not agree, you must not purchase or activate a Membership.

IMPORTANT: All Membership fees are strictly non-refundable. Please read Section 7 carefully before completing your purchase.

2. Definitions

  • "Membership" means a subscription to a specific Membership Tier purchased by a Member through the Platform.
  • "Membership Benefits" means the features, services, entitlements, and privileges associated with a particular Membership Tier, as described on the Platform from time to time.
  • "Membership Fee" means the fee payable by a Member to purchase or upgrade a Membership Tier, as set out on the Platform at the time of purchase.
  • "Membership Period" means the duration for which a Membership remains valid following purchase or upgrade, as specified on the Platform.
  • "Membership Tier" means each level of Membership offered by KAST, from entry-level to the highest tier available, each with its own Membership Benefits and Membership Fee.
  • "Platform" means the KAST website, mobile application, and any related services or tools operated by the Company.
  • "Upgrade" means the purchase by a Member of a higher Membership Tier than the Member's current Membership Tier.

3. Membership Tiers and Benefits

3.1 Tier Structure

KAST offers multiple Membership Tiers, each providing a distinct set of Membership Benefits. The specific Membership Tiers available, the Membership Benefits associated with each tier, and the applicable Membership Fees are set out on the Platform and may be updated from time to time in accordance with Section 10 of this Agreement.

3.2 Membership Benefits

Membership Benefits may include, without limitation, enhanced transaction limits, preferential fee rates, access to premium features, priority customer support, rewards multipliers, exclusive promotions, and other platform entitlements, as specified for each Membership Tier on the Platform.

Membership Benefits are personal to the Member and non-transferable. They may not be sold, assigned, gifted, or otherwise shared with any other person. The Company reserves the right to verify that Membership Benefits are being used solely by the registered Member.

3.3 Benefit Availability

The Company makes reasonable efforts to ensure that Membership Benefits are available throughout the Membership Period. However, certain Membership Benefits may be subject to third-party availability, regulatory requirements, or technical constraints. The temporary unavailability of a Membership Benefit due to maintenance, technical issues, or circumstances beyond the Company's reasonable control does not entitle the Member to a refund or compensation.

3.4 Changes to Benefits

The Company reserves the right to modify, substitute, add, or remove Membership Benefits at any time. Where the Company removes or materially reduces a Membership Benefit that was a primary feature of a Membership Tier, the Company will use reasonable endeavours to provide at least thirty (30) days' prior notice and, where appropriate, offer an equivalent substitute benefit. No refund will be payable solely by reason of a change to Membership Benefits, except as required by applicable law.

4. Eligibility

To purchase or maintain a Membership, you must:

  • Be a registered user of the Platform with an account in good standing;
  • Have successfully completed KAST's identity verification process;
  • Not be a resident of, or otherwise connected to, any jurisdiction in which KAST has prohibited or restricted access to the Platform or its services;
  • Be legally permitted to purchase Memberships and pay Membership Fees under the laws of your jurisdiction; and
  • Comply with this Agreement and all KAST Agreements at all times.

The Company reserves the right to refuse or revoke a Membership at its sole discretion if it determines that the Member does not satisfy the eligibility requirements or has breached this Agreement or any KAST Agreement.

5. Purchase of Membership

5.1 How to Purchase

Memberships may be purchased through the Platform by selecting the desired Membership Tier and completing the payment process in accordance with the instructions provided. A Membership is activated upon the Company's confirmation of successful payment.

5.2 Payment

Membership Fees are payable in advance in the currency and by the payment method specified on the Platform at the time of purchase. All Membership Fees are inclusive of applicable taxes unless otherwise stated. The Member is responsible for any additional bank charges, currency conversion fees, or other costs imposed by their payment provider.

The Company uses third-party payment processors to handle transactions. By completing a purchase, you authorize the Company and its payment processors to charge the applicable Membership Fee to your selected payment method. The Company does not store full payment card details.

5.3 Confirmation

Upon successful payment, the Company will send a confirmation to the Member's registered email address. The Membership Period commences on the date of confirmation unless otherwise specified. It is the Member's responsibility to ensure that their registered email address is accurate and accessible.

5.4 Failed Payments

If a payment fails or is declined, the Membership will not be activated or renewed. The Company is not responsible for any loss arising from a failed payment due to insufficient funds, payment method restrictions, or errors by the Member's bank or payment provider.

6. Membership Upgrades

6.1 Upgrade Process

A Member may, at any time during their Membership Period, Upgrade to a higher Membership Tier by paying the applicable Upgrade fee as set out on the Platform. Upgrades take effect immediately upon confirmation of successful payment, and the Member will have access to the Membership Benefits of the higher tier from that point.

6.2 Upgrade Pricing

The Upgrade fee payable by a Member is calculated as set out on the Platform at the time of Upgrade. The Company may apply a pro-rated credit for any unexpired portion of the Member's current Membership Period, or may charge the full fee for the higher-tier Membership, at its sole discretion and as communicated on the Platform. The pricing displayed at the time of Upgrade is final and binding.

6.3 Effect of Upgrade on Current Membership

Upon an Upgrade, the Member's existing Membership Tier is superseded by the higher Membership Tier. The original Membership Period may be extended or reset in accordance with the terms applicable to the higher tier, as specified on the Platform at the time of Upgrade. Any benefits specific to the lower tier that are not carried over to the higher tier will cease to apply from the effective date of the Upgrade.

6.4 No Downgrade

Once a Member has Upgraded to a higher Membership Tier, they may not downgrade to a lower Membership Tier during the same Membership Period. Downgrade options, if any, will only be available at the time of renewal, subject to the terms applicable at that time. The Company is under no obligation to offer downgrade options.

6.5 Upgrade Fees Are Non-Refundable

All fees paid in connection with an Upgrade are strictly non-refundable, including where the Member chooses not to use the higher-tier Membership Benefits or where the Member's account is subsequently suspended due to a breach of this Agreement or any KAST Agreement. Please refer to Section 7 for the full non-refund policy.

7. No-Refund Policy

ALL MEMBERSHIP FEES, INCLUDING FEES PAID FOR INITIAL MEMBERSHIP PURCHASES AND UPGRADES, ARE STRICTLY NON-REFUNDABLE. BY COMPLETING YOUR PURCHASE, YOU EXPRESSLY ACKNOWLEDGE AND AGREE THAT YOU ARE NOT ENTITLED TO A REFUND UNDER ANY CIRCUMSTANCES, EXCEPT AS REQUIRED BY APPLICABLE LAW.

7.1 Scope of No-Refund Policy

The no-refund policy applies to all of the following:

  1. Membership Fees paid for any Membership Tier;
  2. Upgrade fees paid to access a higher Membership Tier;
  3. Any fees paid in connection with a Membership renewal;
  4. Membership Fees paid in respect of any period during which the Member's account was suspended or terminated due to a breach of this Agreement or any KAST Agreement; and
  5. Membership Fees paid in respect of any Membership Period during which the Member chose not to use or underutilized their Membership Benefits.

7.2 No Refund for Partial Use

No refund, credit, or pro-rated reimbursement will be provided for any unused portion of a Membership Period, regardless of the reason for non-use, including but not limited to voluntary cancellation, account suspension, changes in personal circumstances, or dissatisfaction with Membership Benefits.

7.3 No Refund for Benefit Changes

Modifications to Membership Benefits in accordance with Section 3.4 do not entitle the Member to a refund of any Membership Fee or Upgrade fee, provided that the Company has complied with its notice obligations under that section.

7.4 No Refund Following Termination for Breach

If the Company terminates a Member's Membership or account due to a breach of this Agreement or any KAST Agreement, no refund of any Membership Fee or Upgrade fee will be payable, and the Member will immediately lose access to all Membership Benefits.

7.5 Statutory Rights

Nothing in this Section 7 limits or excludes any rights you may have under applicable consumer protection or other mandatory legislation in your jurisdiction that cannot be lawfully excluded by contract. If you believe you have a statutory right to a refund, please contact us using the details in Section 15.

8. Membership Period and Renewal

8.1 Membership Period

Each Membership is valid for the Membership Period specified on the Platform at the time of purchase or Upgrade. The Membership Period commences on the date of activation and expires at the end of the specified period unless renewed in accordance with this section.

8.2 Renewal

At the end of a Membership Period, the Member may renew their Membership by purchasing a new Membership for the same or a different tier, subject to the terms and Membership Fees applicable at the time of renewal. The Company does not guarantee that the same Membership Tier or the same Membership Benefits will be available at renewal.

8.3 No Automatic Renewal

Unless expressly stated otherwise on the Platform, Memberships do not renew automatically. It is the Member's responsibility to renew their Membership before the expiry of the current Membership Period. The Company is not responsible for any lapse in Membership or loss of Membership Benefits arising from a Member's failure to renew on time.

8.4 Expiry

Upon expiry of a Membership Period, the Member's access to Membership Benefits will cease automatically. Any accrued benefits, rewards, or entitlements that have not been used or redeemed prior to expiry will be forfeited unless otherwise specified on the Platform.

9. Suspension and Termination

9.1 Termination by Member

A Member may cancel their Membership at any time by contacting the Company through the Platform or the support channels specified in Section 15. Cancellation will take effect at the end of the current Membership Period. No refund will be payable for any unexpired portion of the Membership Period.

9.2 Suspension or Termination by the Company

The Company may, at its sole discretion and without prior notice, suspend or terminate a Member's Membership and access to the Platform if:

  1. The Member breaches any provision of this Agreement or any KAST Agreement;
  2. The Company has reasonable grounds to suspect fraud, abuse, or misuse of Membership Benefits;
  3. The Member's account is subject to a regulatory or legal investigation;
  4. It becomes unlawful for the Company to continue providing the Membership; or
  5. The Company decides to discontinue a Membership Tier or the Membership program entirely.

9.3 Consequences of Termination

Upon termination of a Membership for any reason: the Member's access to Membership Benefits will cease immediately; any accrued and unused benefits will be forfeited; and no refund of Membership Fees will be payable, except as required by applicable law.

Sections 2, 7, 9.3, 11, 12, 13, and 14 of this Agreement survive termination.

10. Modifications to This Agreement

The Company reserves the right to modify this Agreement, the Membership Tier structure, Membership Benefits, and Membership Fees at any time. Where the Company makes a material change that adversely affects existing Members, it will use reasonable endeavours to provide at least thirty (30) days' prior notice by email or through the Platform.

Your continued use of your Membership following the effective date of any change constitutes your acceptance of the revised Agreement. If you do not accept a material change, your sole remedy is to allow your Membership to expire at the end of the current Membership Period without renewal. No refund will be payable in respect of a Membership Period already paid for.

11. Intellectual Property

All rights, titles, and interests in and to the Platform, Membership Benefits, and all related content, technology, trademarks, and materials remain the exclusive property of the Company. A Membership grants only a limited, personal, non-exclusive, non-transferable, revocable right to access and use the Membership Benefits during the Membership Period, strictly in accordance with this Agreement.

No Membership shall be construed as conferring any ownership interest, licence, or other intellectual property right in respect of the Platform or any Company content.

12. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE COMPANY AND ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR:

  1. Any loss arising from the temporary or permanent unavailability of Membership Benefits;
  2. Any indirect, incidental, special, consequential, or punitive loss or damage arising in connection with any Membership;
  3. Any loss arising from the modification, suspension, or termination of a Membership Tier or Membership Benefit; or
  4. Any failure by a third-party service provider that affects the availability of a Membership Benefit.

The Company's aggregate liability to a Member in connection with any Membership shall not exceed the Membership Fee paid by that Member for the Membership Period during which the relevant claim arises.

13. Indemnification

You agree to defend, indemnify, and hold harmless the Company and its affiliates, officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, costs, and expenses (including reasonable legal fees) arising out of or in connection with your breach of this Agreement, your misuse of Membership Benefits, or any claim by a third party arising from your actions in connection with your Membership.

14. Governing Law and Dispute Resolution

This Agreement is governed by and construed in accordance with the laws of the Republic of Seychelles, without regard to its conflict of laws principles.

Any dispute arising out of or in connection with this Agreement that cannot be resolved amicably shall be submitted to the exclusive jurisdiction of the competent courts of the Republic of Seychelles. All disputes shall be resolved on an individual basis, and you waive any right to bring or participate in any class, consolidated, or representative proceedings.

15. General Provisions

15.1 Entire Agreement

This Agreement, together with the KAST Agreements and any Membership-specific terms published on the Platform, constitutes the entire agreement between you and the Company in respect of Memberships and supersedes all prior representations, agreements, and understandings.

15.2 Severability

If any provision of this Agreement is found to be invalid or unenforceable, that provision will be severed and the remaining provisions will continue in full force and effect.

15.3 Waiver

No failure or delay by the Company in exercising any right under this Agreement constitutes a waiver of that right. Any waiver must be in writing and signed by an authorized representative of the Company.

15.4 Assignment

You may not assign or transfer any rights or obligations under this Agreement without the Company's prior written consent. The Company may assign this Agreement at any time without restriction.

15.5 Language

This Agreement is in the English language. In the event of any inconsistency between the English version and any translation, the English version shall prevail.

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