Plutus Everyday & Premium Subscription Terms

This is a legal document, please read these terms and conditions carefully.

By transacting or signing up with us, you are entering into a contract with us on the terms of this agreement.

If you chose to subscribe to the Everyday or Premium service, your plan will automatically renew every month unless you give us notice to end it before the automatic renewal.

We may restrict your right to upgrade or downgrade your subscription more than 5 times in a 12- month period.

When Everyday and Premium members pay for purchases with their Plutus Card, we will credit you with an amount of PLU equivalent to a percentage of your payment.This is referred to as Crypto Cashback.

"Cashback” refers to our decentralised loyalty reward programme, whereby PLU is emitted for every valid purchase made with the Plutus Visa® Card at 70+ million merchants. When a customer shops with a Plutus Card, we will credit you with an amount of PLU equivalent to a percentage of the payment.

“Perks” refers to additional rewards that can be earned at a selected range of brands. The full list of perks is available here: https://plutus.it/accounts.

Plutus remains the owner of any Pluton Rewards visible on an account until their transferto an external wallet address, which will occur, at the earliest, 45 days after the merchant transaction.

We cannot give you Crypto Cashback if doing so would break any law or regulation, or ifthe payment you make with your Plutus Card is just to another bank account or payment card (such as another e-wallet, a bank account or a credit card).

We have the right to cease crypto reward payout if we believe attempts have been made togame the system (e.g. repeat payments to a self-owned company).

For additional details on what transactions are not eligible for Pluton Rewards, please visitour HelpDesk here.

If you'd like to make a complaint about your Pluton Rewards , please contact us at support@plutus.it and we will endeavour to get back to you as soon as we can.

When you make your complaint, you'll need to provide the following information:

• Your name
• The phone number and email address associated with your Plutus account
• The date the problem arose
• What the issue is
• How you would like us to resolve the issue

Your complaint will be investigated and you'll get a response and action plan by email via our Customer Support team.

When you become a Everyday or Premium member, we will ask you to pay the subscription via a debit card. We will take the subscription from that card while you remain an Everyday or Premium member.The fees are set out in our Fees page.

If we are unable to take payment from your card for any reason (for example, the card has expired), attempt to take payment 3 days later, if this payment is successful your payment date will remain unchanged, if this is unsuccessful then you will be returned to the starter plan.

You may be responsible for paying any taxes or costs that we are not responsible for collecting from you.

You can cancel your Everday or Premium Subscription any time, this is also referred to as a ‘downgrade’, as it moves you onto the free Starter Plan. There are no fees involved and in some instances, you can continue to enjoy your Everday or Premium benefits until the end of the month you have already paid for. After then, you will become a Starter member again (a Plutus account holder who does not pay a subscription for the Everyday or Premium service).

If you'd like to cancel your Everyday or Premium Subscription, you can let us know via the Plutus app or by writing to us at support@plutus.it.

We can end your Everyday or Premium subscription immediately if:

• we suspect you are behaving fraudulently
• you haven't given us the information we need, or we have good reason to believe that the information you have given us is false
• you have broken these terms and conditions in a persistent way
• the subscription fees are due and despite numerous attempts, we are unable to receive the funds in a reasonable period of time
• you have declared bankruptcy
• we must do so under any law, regulation, court order or ombudsman's instructions

We may also end your subscription for other reasons, but we will give you at least 30 days’ notice through the Plutus app or by email.

We can change these terms and conditions, but we shall only do so for the following reasons:

• if we think it will make them easier to understand or more helpful to you
• to reflect the way our business is run, particularly if the change is needed because of a change in the way any financial system or technology is provided
• to reflect legal or regulatory requirements that apply to us
• to reflect changes in the cost of running our business
• because we are changing our products or services or introducing new ones

If we add a new product or service that doesn't change these terms and conditions, we may add the product or service immediately and let you know prior to you using it.

If we change an existing product or service that does not relate to payments into or out of your account, we will normally give you 30 days' notice before we make the change. If we make a change that relates to payments into or out of your account, we'll normally give you two months' notice through the Plutus app or via email.

If we give you notice of a change, we will assume you are happy with the change unless you tell us that you want to close your account before the change comes into effect.

Only you and Plutus (Block Code Ltd) have rights under the agreement.

The agreement is personal to you and you cannot transfer any rights or obligations under it to anyone else without written prior consent from Plutus (Block Code Limited).

This Agreement, and our relationship with you, are governed by the laws of England and Wales.

If you have broken the agreement and we do not enforce our rights, or we delay in enforcing them, this will not prevent us from enforcing them at a later date.