Skyrich Club | Terms of Use

1. Acceptance of Terms and Binding Agreement

1.1 Binding Agreement: These Terms of Use ("Terms") constitute a legally binding contract between you ("Member," "you," or "your") and Skyrich LTD, a company registered in England and Wales under company number 15456781, with its registered office at 71-75 Shelton Street, Covent Garden, London, WC2h 9JQ, United Kingdom ("Company," "we," "us," or "our"). These Terms govern your access to and use of the Skyrich Club platform and all related services.

1.2 Acceptance Conditions: By creating an account, completing any transaction, or otherwise accessing our Platform, you explicitly represent and warrant that: (a) you have read, understood, and unconditionally agree to be bound by these Terms in their entirety; (b) you are at least 18 years of age or the age of legal majority in your jurisdiction of

residence, whichever is higher; (c) you possess the full legal capacity and authority to enter into this binding agreement; (d) you will comply with these Terms and all applicable laws, regulations, and industry standards; and (e) all information provided during registration is accurate, current, and complete.

1.3 Rejection of Terms: If you do not agree to any provision of these Terms, you are expressly prohibited from accessing or using our Platform and must immediately cease all use of our services. Continued use after any modification of these Terms constitutes your acceptance of such modifications.

1.4 Incorporation of Policies: These Terms incorporate by reference our Privacy Policy, Community Guidelines, and any supplementary terms, conditions, rules, or policies published on the Platform ("Supplementary Terms"). In the event of any conflict between these Terms and any Supplementary Terms, these Terms shall take precedence unless the Supplementary Terms expressly state otherwise in writing.

1.5 Electronic Communications Consent: You hereby consent to receive all communications from us in electronic form, including but not limited to: (a) emails to your registered email address; (b) SMS messages to your verified mobile number; (c) push notifications through our Platform or mobile applications; (d) in-platform messages and announcements; and (e) postal communications to your verified address where required by law. You acknowledge that all electronic communications satisfy legal requirements for written communications and agree to keep your contact information current.

1.6 Consumer Protection Acknowledgment: Where you are acting as a consumer under applicable consumer protection legislation, certain terms may be modified or unenforceable to the extent required by mandatory consumer protection laws. Nothing in these Terms attempts to exclude rights that cannot be excluded under applicable law.

1.7 Waiver of Cooling-Off Period: By accessing digital content and services immediately upon purchase, you acknowledge and consent to the waiver of any applicable cooling-off or withdrawal period. You understand that this waiver means you may not be entitled to cancel and receive a refund once digital content delivery has commenced, except as required by mandatory consumer protection laws.

2. Platform Description and Promotional Nature

2.1 Platform Purpose: Skyrich Club is a membership-based online community platform designed to provide members with social engagement, premium content access, interactive features, and community participation opportunities. As a complimentary benefit of membership, members receive free entry into promotional giveaway activities. The Platform is NOT a gambling service, casino, or gaming operator and does not offer any form of commercial gambling activities.

2.2 Core Platform Features:

• Community Engagement: Exclusive online community with advanced social features, member networking, and interactive communication tools;

• Premium Content Library: Curated digital content including educational resources, entertainment materials, tutorials, and member-exclusive publications;

• Member Activities: Community challenges, skill-based competitions, educational workshops, and member achievement programs;

• Promotional Rewards Program: Complimentary giveaways, contests, sweepstakes, and promotional benefits provided as membership perks without consideration.

2.3 Promotional Nature Declaration: All prizes, rewards, and benefits offered through the Platform are provided as promotional incentives to enhance member engagement and community participation. These promotional rewards are NOT deposits, winnings, earnings, or any form of financial return on investment. Members do not purchase chances to win prizes; promotional opportunities are provided as complimentary membership benefits.

2.4 No Purchase Necessary: No purchase or payment is necessary to participate in promotional giveaway activities. Members receive free entry as a complimentary benefit of membership. Additionally, a free postal entry method is available as an alternative method of entry for all promotional activities. Contact customer support for full details regarding free entry methods.

2.5 Platform Evolution: We reserve the right to modify, enhance, suspend, or discontinue any Platform features, services, or promotional activities at our sole discretion with appropriate notice to members. New features may be added without prior notice.

3. Eligibility, Registration, and Geographic Restrictions

3.1 Age and Capacity Requirements: Platform access is strictly limited to individuals who: (a) have attained the age of 18 years or the age of legal majority in their jurisdiction of residence, whichever is higher; (b) possess full legal capacity to enter into binding agreements; (c) are not subject to any legal disability that would impair their ability to understand or be bound by these Terms; and (d) are not prohibited from using the Platform under any applicable law or regulation.

3.2 Geographic Restrictions: Access to and use of the Platform may be restricted or prohibited in certain jurisdictions. You are prohibited from accessing the Platform if you are located in, or are a resident or citizen of, any jurisdiction where such access would violate applicable law or where we are not licensed to operate. You represent that your access and use of the Platform is lawful in your jurisdiction of residence.

3.3 Account Registration Requirements: To create an account, you must: (a) provide accurate, current, and complete registration information; (b) verify your email address and mobile phone number; (c) select a secure password meeting our security requirements; (d) agree to these Terms and our Privacy Policy; and (e) complete any additional verification procedures as required. You are responsible for maintaining the accuracy of your account information and must promptly update any changes.

3.4 Single Account Policy: Each individual person is permitted to maintain only one active account on the Platform. Creating, maintaining, or using multiple accounts is strictly prohibited and constitutes a material breach of these Terms. We employ sophisticated detection systems to identify duplicate accounts, including but not limited to analysis of: device fingerprints, IP addresses, payment methods, personal information, behavioral patterns, and technical identifiers.

3.5 Account Security Responsibilities: You are solely responsible for: (a) maintaining the confidentiality and security of your login credentials; (b) all activities that occur under your account; (c) immediately notifying us of any unauthorized access or use of your account; (d) taking reasonable measures to prevent unauthorized access; and (e) ensuring that no other person has access to your account credentials.

3.6 Age Verification: We may require age verification documentation, including government-issued photo identification, to confirm eligibility. Members unable to verify their age may have their accounts restricted or terminated.

3.7 Identity Verification Requirements: Full identity verification is primarily required at the time a promotional reward or prize is claimed. At registration, only basic account information is required. We may also require verification in connection with: suspicious activity detection, compliance reviews, or legal requirements. Failure to complete verification within reasonable timeframes may result in account restrictions, benefit forfeiture, or account termination.

4. Membership Tiers and Community Access

4.1 Membership Benefits: Membership provides access to Platform features and services, including but not limited to:

• Community Access: Participation in our exclusive member community with networking, social features, and peer interaction capabilities;

• Premium Content: Access to curated digital resources, educational materials, entertainment content, and member-exclusive publications;

• Member Activities: Participation in community challenges, skill competitions, educational programs, and achievement recognition systems;

• Promotional Opportunities: Eligibility for complimentary giveaways, contests, sweepstakes, and promotional reward programs;

• Priority Support: Enhanced customer support services and priority assistance for member inquiries.

4.2 Membership Tiers: Different membership levels may provide varying degrees of access to Platform features, content, and promotional opportunities. Membership tier benefits are subject to change at our discretion with reasonable notice.

4.3 Responsible Engagement Tools: We provide members with tools to manage their Platform engagement, including: spending tracking and limits, session time monitoring, communication preferences, and account activity summaries. Members are encouraged to use these tools to maintain healthy engagement levels.

4.4 Membership Investment: Membership fees represent payment for access to Platform services, premium content, community features, and interactive activities. As a complimentary benefit, members receive free entry into promotional giveaway activities. These fees are not refundable except as expressly provided in our Refund Policy or as required by applicable consumer protection laws. Membership fees do not constitute deposits, investments, or payments for promotional opportunities.

4.5 Benefit Modifications: We reserve the right to modify, enhance, reduce, or discontinue membership benefits, features, or promotional opportunities at our sole discretion. Material changes to membership benefits will be communicated to members with reasonable advance notice where practicable.

5. Prohibited Conduct and Platform Rules

5.1 General Compliance Obligation: You agree to use the Platform strictly in accordance with these Terms, all applicable laws, regulations, industry standards, and ethical guidelines. You acknowledge that violations may result in immediate account termination, benefit forfeiture, legal action, and cooperation with law enforcement authorities.

5.2 Strictly Prohibited Activities: The following activities are expressly prohibited and may result in immediate account termination without notice:

5.2.1 Legal and Regulatory Violations:

• Violating any federal, state, local, or international law or regulation;

• Engaging in money laundering, terrorist financing, or sanctions violations;

• Using the Platform for any unlawful purpose or to facilitate illegal activity;

• Violating intellectual property rights or other proprietary rights;

• Engaging in tax evasion or failure to comply with tax reporting obligations.

5.2. 2 Fraud and Abuse:

• Providing false, misleading, or inaccurate information during registration or verification;

• Creating multiple accounts or assisting others in creating duplicate accounts;

• Manipulating, exploiting, or abusing promotional activities, contests, or reward systems;

• Engaging in collusive behavior or coordinated activity to gain unfair advantages;

• Structuring transactions to evade verification thresholds or compliance measures;

• Initiating fraudulent chargebacks, payment disputes, or refund claims;

• Using stolen, unauthorized, or fraudulent payment methods.

5.2.3 Technical Violations:

• Using automated systems, bots, scripts, crawlers, or artificial intelligence to access the Platform;

• Reverse engineering, decompiling, disassembling, or attempting to derive source code;

• Circumventing security measures, access restrictions, or technical limitations;

• Interfering with Platform operations or placing unreasonable load on infrastructure;

• Attempting to gain unauthorized access to systems, accounts, or data;

• Introducing malware, viruses, or harmful code to the Platform.

5.2.4 Community Violations:

• Harassing, threatening, intimidating, or abusing other members or staff;

• Posting inappropriate, offensive, defamatory, or harmful content;

• Sharing content that violates intellectual property rights or privacy;

• Engaging in spam, unsolicited marketing, or commercial activities;

• Impersonating other individuals, entities, or Platform representatives.

5.3 Excluded Persons: The following individuals are permanently excluded from Platform access and promotional activities:

• Current and former employees of Skyrich LTD and affiliated entities;

• Immediate family members and household members of excluded employees;

• Contractors, consultants, and business partners involved in Platform operations;

• Individuals subject to sanctions or prohibited persons lists;

• Minors and individuals lacking legal capacity;

• Residents of jurisdictions where Platform access is prohibited.

5.4 Violation Consequences: Violations of these rules may result in: (a) immediate account suspension or termination without notice; (b) forfeiture of all accumulated benefits, prizes, and promotional rewards; (c) reversal of transactions and recovery of associated costs; (d) reporting to relevant law enforcement and regulatory authorities; (e) pursuit of legal remedies including damages and injunctive relief; (f) permanent exclusion from Platform services; and (g) cooperation with payment processors, card networks, and financial institutions in fraud investigations.

5.5 Investigation and Enforcement: We reserve the right to investigate suspected violations using all available means, including cooperation with third-party service providers, law enforcement agencies, and regulatory bodies. During investigations, we may freeze accounts, withhold benefits, and restrict Platform access. We have no obligation to disclose investigation methods or findings to affected members.

6. User-Generated Content and Community Guidelines

6.1 Content Submission Rights: Subject to these Terms and our Community Guidelines, you may submit content to the Platform, including posts, comments, feedback, suggestions, images, and other materials ("User Content").

6.2 Content Submission Rights: Subject to these Terms and our Community Guidelines, you may submit content to the Platform, including posts, comments, feedback, suggestions, images, and other materials ("User Content").

6.3 Content Representations and Warranties: By submitting User Content, you represent and warrant that:

• You own or have the lawful right to use and license the content;

• The content does not violate any third-party rights or applicable laws;

• The content is accurate, not misleading, and complies with Platform guidelines;

• You have obtained all necessary permissions, releases, and consents;

• The content does not contain confidential or proprietary information.

6.4 Content Moderation: We may, but are not obligated to, monitor, review, edit, or remove User Content at our sole discretion. We do not endorse or assume responsibility for User Content and make no representations about its accuracy, reliability, or appropriateness.

6.5 Content Standards: User Content must comply with applicable laws and Platform community standards. Prohibited content includes but is not limited to: illegal, defamatory, harassing, threatening, obscene, or offensive material; content violating intellectual property rights; spam or commercial solicitations; personal information of third parties; and malicious software or code.

6.6 Content Responsibility and Indemnification: You are solely responsible for your User Content and its consequences. You agree to indemnify and hold us harmless from any claims, damages, losses, or expenses arising from your User Content or its use by us in accordance with these Terms.

7. Payment Processing and Third-Party Services

7.1 Payment Processing Infrastructure: All payment transactions are processed through authorized third-party Payment Service Providers ("PSPs") that comply with Payment Card Industry Data Security Standards (PCI-DSS) and applicable financial regulations. We do not directly process, store, or have access to your payment card information.

7.2 Third-Party Service Relationships: We engage authorized third-party service providers and regional agents to facilitate payment processing, identity verification, compliance monitoring, and related services. These providers act as our authorized agents within their respective jurisdictions and may serve as merchant of record for transactions in certain regions.

7.3 Transaction Security and Compliance: All transactions are subject to: (a) advanced fraud detection and prevention systems; (b) anti-money laundering (AML) screening and monitoring; (c) sanctions checking against government watchlists; (d) identity verification and enhanced due diligence where required; and (e) regulatory compliance review and reporting.

7.4 Payment Authorization: By submitting payment information, you: (a) represent that you are the authorized user of the payment method; (b) authorize us and our PSPs to charge the payment method for the specified amount; (c) agree to pay all applicable fees and taxes; and (d) acknowledge that payment authorization constitutes acceptance of these Terms.

7.5 Pricing and Currency: Prices are displayed in the currency appropriate for your region and may include applicable taxes, fees, and charges. Currency conversion is performed by PSPs using prevailing exchange rates, and you acknowledge that conversion fees may apply.

7.6 Transaction Approval and Rejection: We reserve the right to refuse, cancel, delay, or reverse any transaction at our sole discretion, including where we detect or suspect: fraud or unauthorized use; policy violations or prohibited conduct; regulatory non-compliance; technical errors; or risk to Platform security or integrity.

7.7 Chargeback and Dispute Protection: If you believe a charge is unauthorized or incorrect, you must contact our customer support before initiating a chargeback or dispute with your financial institution. Filing a chargeback that is subsequently determined to be unsubstantiated, erroneous, or fraudulent ("friendly fraud") will result in: (a) immediate account termination; (b) forfeiture of all benefits and privileges; (c) recovery of chargeback fees and associated costs; (d) reporting to fraud prevention databases; and (e) potential legal action for damages. We cooperate fully with PSPs, card networks, and financial institutions in all dispute investigations.

7.8 Third-Party Service Limitations: We are not responsible for failures, errors, delays, or interruptions caused by third-party service providers, including PSPs, verification services, telecommunications providers, or internet service providers. Our liability for third-party service issues is expressly disclaimed to the maximum extent permitted by law.

8. Promotional Rewards and Prize Claim Procedures

8.1 Promotional Activities Overview: We may offer various promotional activities as membership benefits, including contests, giveaways, challenges, and reward programs. All promotional activities are conducted in accordance with applicable laws and regulations. We reserve the right to modify, suspend, or cancel any promotional activity at our sole discretion with appropriate notice.

8.2 Prize Nature and Classification: All prizes, rewards, and benefits offered through the Platform are promotional incentives provided to enhance member engagement and community participation. These promotional rewards are NOT:

• Deposits, account balances, or stored value instruments;

• Investment returns, earnings, or commercial gains;

• Gambling winnings or gaming proceeds;

• Guaranteed payments or contractual entitlements;

• Insured funds or protected deposits under any government scheme.

8.3 CRITICAL: 90-Day Prize Claim Window: All promotional rewards and prizes must be claimed within ninety (90) calendar days from the date they are credited to your account or announced as won ("Claim Period"). Failure to claim a prize within the Claim Period results in automatic and irrevocable forfeiture of the prize, with no right to recovery or compensation.

8.4 Prize Claim Requirements: To claim any promotional reward, you must:

• Complete full identity verification to our satisfaction;

• Maintain an active account in good standing;

• Comply with all applicable Terms and policies;

• Meet any minimum claim thresholds that may apply;

• Provide required documentation for tax reporting and compliance;

• Submit the claim request within the 90-day Claim Period;

• Complete any additional verification or compliance procedures as required.

8.5 Prize Distribution Methods: Approved prize claims are distributed through the following methods:

• Bank transfer to verified accounts in your name;

• Digital payment platforms where available and compliant;

• Other approved payment methods as determined by us in our sole discretion;

• Check or money order where electronic methods are unavailable.

8.6 Prize Processing Procedures:

• Standard Processing: We aim to process and distribute approved prize claims within 24-48 hours, subject to verification, compliance, and payment processing requirements;

• Enhanced Review: Processing may be extended for verification, compliance, or security purposes;

• Processing Fees: Reasonable processing fees may apply and will be disclosed prior to distribution;

• Payment Delays: Processing times may vary based on payment method, jurisdiction, and compliance requirements.

8.7 Prize Restrictions and Limitations: We may restrict, delay, or refuse prize distribution in the following circumstances:

• Suspected fraudulent activity or Terms violations;

• Incomplete or inadequate identity verification;

• Ongoing investigations or compliance reviews;

• Legal, regulatory, or court-ordered restrictions;

• Technical errors or system malfunctions;

• Sanctions screening or AML concerns;

• Account termination or suspension for policy violations.

8.8 Prize Value Adjustments and Redemption Limits:

• Value Reduction: We reserve the right, in our sole discretion, to reduce the value of any prize or promotional reward where we consider it necessary to satisfy our regulatory obligations, licensing requirements, or the requirements of our partners and suppliers in any applicable jurisdiction.

• Daily Redemption Limits: We reserve the right, in our sole discretion, to limit the value of prize redemptions per Member per day, or to impose any other limit over any time period that we consider necessary to comply with applicable laws, regulatory obligations, or the requirements of our payment partners and suppliers.

• Incremental Payments: We reserve the right to distribute prizes in smaller

increments over a number of days until the full prize amount has been paid. This may add additional processing time depending on the circumstances of each individual case.

• Processing Fees: We reserve the right to charge reasonable fees for processing the redemption of prizes, and to set minimum redemption thresholds for prize redemptions.

• Payment Method: We reserve the right to require the use of a specific payment method for the redemption of prizes at our sole discretion.

8.9 Your Responsibility for Prize Redemption Details: When you request redemption of a prize, it is your sole responsibility to ensure that all details you provide (including bank account details, email addresses, and any other relevant information) are accurate and complete. If we process a redemption using the details you have provided and those details are not accurate, the redemption of that prize is complete and we are not required to reverse or reissue the payment. You further acknowledge that: (a) it is your responsibility to ensure that your financial institution will accept payment from us; (b) if your financial institution will not accept payments from us, you will be required to nominate an alternative account; (c) there may be delays in processing as a result; and (d) if you are unable to nominate a compliant alternative account within sixty (60) days of our request, we are not obliged to make the relevant payment and may in our discretion deem the prize forfeited. All foreign exchange transaction fees, charges, or related costs incurred in connection with payments made by us to you are to be borne solely by you.

8.10 Unclaimed Prize Forfeiture: Promotional rewards not claimed within the 90- day Claim Period are automatically forfeited and become the property of Skyrich LTD. We are not a banking institution or deposit-taking entity and have no obligation to hold, safeguard, or maintain unclaimed promotional rewards beyond the Claim Period. Forfeited prizes may be donated to charity, returned to promotional pools, or otherwise disposed of at our sole discretion.

8.11 Tax Obligations: You are solely responsible for all tax obligations related to promotional rewards, including income tax reporting, record-keeping, and payment of applicable taxes in your jurisdiction of residence. We may provide tax reporting assistance where required by law but make no representations regarding tax treatment or obligations.

8.12 Promotional Integrity: Promotional outcomes are determined by certified random number generation systems or other fair and transparent methods. No particular outcome, prize amount, or reward level is guaranteed. Past promotional results do not indicate future outcomes. We reserve the right to void promotional results in cases of technical malfunction, fraud, or Terms violations.

8.13 Promotional Fund Segregation: Promotional funds are held in designated accounts. However, these funds are NOT protected by any government deposit insurance or guarantee scheme. Members have no proprietary interest in such funds, and holding funds in designated accounts does not create any deposit, trust, or fiduciary relationship. In the event of Company insolvency or cessation of operations, members acknowledge that promotional balances may not be recoverable in full or in part, and members accept this risk as a condition of participation.

8.14 Payment Administration Agent: You acknowledge and agree that we may, in our sole discretion, from time to time appoint one or more Payment Administration Agents to accept or make payments (including through merchant facilities) from or to Members on our behalf. A Payment Administration Agent will have the same rights, powers, and privileges that we have under these Terms and will be entitled to exercise or enforce their rights, powers, and privileges as our agent or in their own name. In no event shall we be liable to any Member for any loss, damage, or liability resulting from a Payment Administration Agent's negligence or acts beyond the authority given by Skyrich LTD.

8.15 Payment to Verified Accounts Only: We will not make payments into an account or digital wallet which does not match your verified name or the name you provided when registering your account, or that is not legally and beneficially owned by you. Payments may be made into a joint account provided that one of the names on the joint account matches your registered or verified name and all verification checks are completed to our satisfaction. Payments will not be made into: (a) a joint account where one of the joint owners is a minor; (b) custodial accounts; or (c) any account held on trust for, or for the benefit of, a third party (including a minor).

9. Refund Policy and Consumer Protection Rights

9.1 General Refund Policy: Membership payments are generally non-refundable as they provide immediate access to digital content, community features, and promotional opportunities. Refunds are considered only in exceptional circumstances and at our sole discretion, subject to applicable consumer protection laws.

9.2 Refund Eligibility: Refunds will be granted for verified duplicate charges and confirmed unauthorized transactions not caused by member negligence. Refund requests may also be considered in the following circumstances:

• Technical error preventing Platform access within 48 hours of payment;

• Service non-delivery due to our fault where no alternative remedy is available;

• Legal or regulatory requirements mandating refunds.

9.3 Refund Exclusions: Refunds will NOT be provided for:

• Change of mind or dissatisfaction with Platform features;

• Failure to use Platform services or access content; Account termination for Terms violations;

• Technical issues on your device or internet connection;

• Promotional reward forfeiture or claim failures;

• Payments made more than 30 days prior to the refund request.

9.4 Consumer Protection Compliance: Nothing in this Refund Policy excludes or limits your rights under applicable mandatory consumer protection legislation in your jurisdiction of residence. Where local consumer protection laws provide additional or greater refund rights, those rights are preserved.

9.5 Refund Process: All refund requests must be submitted through our customer support system within 30 days of the transaction date. Requests must include: transaction details, reason for the refund request, and supporting documentation. We will respond to refund requests within 14 business days.

9.6 Refund Method and Timing: Approved refunds will be processed to the original payment method used for the purchase within 14-30 business days. Where the original payment method is unavailable, alternative arrangements may be made. We reserve the right to deduct from any refund: (a) value of services already received; (b) promotional rewards claimed or distributed; (c) processing fees and administrative costs; and (d) any outstanding obligations.

9.7 Chargeback Prevention: Before initiating any chargeback or payment dispute with your financial institution, you must contact our customer support and allow reasonable opportunity for resolution. Chargebacks initiated without following this process may be treated as friendly fraud and result in account termination and cost recovery.

10. Identity Verification and Compliance Procedures

10.1 Verification Requirements: We implement comprehensive Know Your Customer (KYC) and Anti-Money Laundering (AML) procedures in compliance with applicable anti- money laundering legislation and international standards.

10.2 When Verification is Required: Full identity verification is primarily required at the time a promotional reward or prize is being claimed. Verification may also be required in connection with:

• Prize claims of any value;

• Suspicious activity detection or unusual transaction patterns;

• Compliance reviews and regulatory reporting requirements;

• Enhanced due diligence for high-value transactions;

• Legal or regulatory mandates;

• Random compliance audits and monitoring.

10.3 Required Verification Documentation: Verification may include submission of:

• Identity Documents: Government-issued photo identification (passport, driver's license, national ID card);

• Address Verification: Recent utility bills, bank statements, or government correspondence;

• Phone Verification: SMS or voice verification of registered mobile number;

• Financial Information: Source of funds documentation for high-value activities;

• Additional Documents: Any other documentation reasonably required for compliance purposes.

10.4 Third-Party Verification Services: We may use authorized third-party verification providers to conduct identity checks, database verification, sanctions screening, and enhanced due diligence. By using the Platform, you consent to such checks being performed and information being shared with these providers for verification purposes.

10.5 Sanctions and Watchlist Screening: All members are subject to ongoing sanctions screening against applicable government watchlists, including but not limited to: OFAC Specially Designated Nationals List, EU Consolidated List, UK Sanctions List, and UN Security Council Sanctions List. Detection of any sanctions match will result in immediate account suspension and reporting to relevant authorities.

10.6 Verification Timelines: Standard verification is typically completed within 3-5 business days of receiving complete documentation. Enhanced due diligence may require 10-15 business days or longer for complex cases. Processing times may be extended where additional documentation or clarification is required.

10.7 Verification Failure Consequences: Failure to complete verification within 30 days of our request, or provision of false or misleading information, will result in:

• Immediate account suspension and restriction of Platform access;

• Forfeiture of all promotional rewards and benefits;

• Termination of membership without refund;

• Reporting to relevant authorities where required by law;

• Potential legal action for document fraud or misrepresentation.

10.8 Enhanced Due Diligence: We may apply enhanced due diligence measures for: politically exposed persons (PEPs); residents of high-risk jurisdictions; unusual transaction patterns; high-value prize claims; or where required by our risk assessment procedures. Enhanced due diligence may include additional documentation, source of funds verification, and extended processing times.

11. Privacy, Data Protection, and Security

11.1 Privacy Policy Integration: Your personal data is collected, processed, stored, and protected in accordance with our Privacy Policy and applicable data protection laws in your jurisdiction of residence.

11.2 Data Processing Purposes: We process your personal data for the following purposes:

• Platform access and service delivery;

• Identity verification and compliance monitoring;

• Payment processing and transaction management;

• Prize distribution and tax reporting;

• Customer support and communication;

• Fraud prevention and security monitoring;

• Legal and regulatory compliance;

• Platform improvement and analytics.

11.3 Data Sharing and Transfers: Your personal data may be shared with:

• Affiliated entities within the Skyrich corporate group;

• Authorized third-party service providers and processors;

• Payment service providers and verification services;

• Legal and regulatory authorities where required by law;

• Professional advisors (legal, accounting, audit) subject to confidentiality;

• Successors in interest in connection with business transfers.

11.4 International Data Transfers: Your personal data may be transferred to and processed in countries outside your jurisdiction of residence. Where such transfers occur, we implement appropriate safeguards, including Standard Contractual Clauses, adequacy decisions, or other legally recognized transfer mechanisms.

11.5 Data Subject Rights: Subject to applicable law, you have rights regarding your personal data, including:

• Access to your personal data and processing information;

• Correction of inaccurate or incomplete data;

• Erasure of data in certain circumstances;

• Restriction of processing in certain circumstances;

• Data portability where technically feasible;

• Objection to processing based on legitimate interests;

• Withdrawal of consent where processing is based on consent.

11.6 Data Retention: We retain personal data for as long as necessary to fulfill the purposes for which it was collected, including:

• Account Data: Duration of membership plus 7 years for regulatory compliance;

• Transaction Records: 7 years from transaction date for financial regulations;

• Verification Documents: 7 years from account closure for AML compliance;

• Communication Records: 3 years from last interaction for support purposes;

• Legal Hold Data: Duration of any legal proceedings or regulatory investigations.

11.7 Security Measures: We implement industry-standard security measures to protect your personal data, including: encryption of data in transit and at rest; access controls and authentication systems; regular security assessments and penetration testing; employee training and confidentiality agreements; incident response and breach notification procedures; and continuous monitoring and threat detection.

11.8 Data Breach Notification: In the event of a data breach affecting your personal data, we will notify you and relevant supervisory authorities in accordance with applicable law and within required timeframes. Notifications will include information about the nature of the breach, affected data categories, and recommended protective measures.

12. Intellectual Property Rights and Platform Content

12.1 Intellectual Property Ownership: All Platform content, including but not limited to software, applications, text, graphics, images, logos, trademarks, service marks, copyrights, patents, designs, audio, video, and other materials, are owned by or licensed to Skyrich LTD and are protected by intellectual property laws.

12.2 Limited License Grant: Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use the Platform solely for its intended purpose during your membership. This license does not grant any rights to: reproduce, distribute, modify, create derivative works, reverse engineer, or commercially exploit Platform content.

12.3 Trademark Usage Restrictions: Our trademarks, service marks, trade names, and logos ("Marks") may not be used without our express written authorization. You may not use our Marks in any manner that implies endorsement, affiliation, or sponsorship, or that could cause confusion about the source of goods or services.

12.4 Copyright Protection: Platform content is protected by copyright law. You may not copy, reproduce, distribute, transmit, display, perform, publish, license, modify, rewrite, or create derivative works from copyrighted materials without explicit authorization. We respect intellectual property rights and expect members to do the same.

12.5 Digital Millennium Copyright Act (DMCA) Compliance: We comply with the DMCA and similar international copyright laws. If you believe Platform content infringes your copyright, please provide our designated agent with: identification of the copyrighted work; identification of the allegedly infringing material; your contact information; a statement of good faith belief that use is unauthorized; a statement of accuracy and authority to act on behalf of the copyright owner; and your physical or electronic signature.

12.6 Intellectual Property Violations: We take intellectual property violations seriously and will investigate reported infringements. Consequences for violations may include: content removal, account suspension or termination, legal action for damages, and cooperation with rights holders in enforcement actions.

12.7 Third-Party Content: The Platform may contain content provided by third parties, including other members, advertisers, or content partners. We do not control third-party content and make no representations about its accuracy, legality, or appropriateness. Third-party content is subject to the intellectual property rights of its respective owners.

13. Limitation of Liability and Risk Allocation

13.1 Platform Provision "As Is": The Platform and all services are provided "AS IS" and "AS AVAILABLE" without warranties of any kind, whether express, implied, statutory, or otherwise. To the maximum extent permitted by applicable law, we disclaim all warranties, including merchantability, fitness for a particular purpose, non- infringement, and those arising from course of dealing or usage of trade.

13.2 Liability Limitations: To the maximum extent permitted by applicable law, our total aggregate liability to you for any and all claims arising from or related to these Terms or your use of the Platform shall not exceed the lesser of: (a) the total amount paid by you to us in the 12 months preceding the claim; or (b) £1,000 (One Thousand Pounds Sterling).

13.3 Excluded Damages: We shall not be liable for any indirect, incidental, consequential, special, punitive, or exemplary damages, including but not limited to: loss of profits, revenue, data, or use; business interruption; loss of goodwill or reputation; emotional distress; or any other intangible losses, regardless of the legal theory and whether we have been advised of the possibility of such damages.

13.4 Third-Party Service Exclusions: We are not responsible for and expressly disclaim liability for: acts, omissions, errors, or failures of third-party service providers, including payment processors, verification services, internet service providers, telecommunications carriers, and hosting providers; interruptions, delays, or failures in third-party services; data breaches or security incidents at third-party providers; and any damages arising from your reliance on third-party services.

13.5 Force Majeure: We shall not be liable for any failure or delay in performing our obligations where such failure or delay results from circumstances beyond our reasonable control, including: natural disasters, acts of God, war, terrorism, civil unrest, government actions, pandemics, cyber attacks, internet outages, power failures, or failures of third- party infrastructure.

13.6 Member Responsibility Exclusions: We are not liable for losses or damages arising from:

• Your failure to maintain account security or protect login credentials;

• Unauthorized access resulting from your negligence or misconduct;

• Inaccurate information provided during registration or verification; Your interactions, disputes, or transactions with other members;

• Your failure to comply with these Terms or applicable laws;

• Technical issues with your devices, software, or internet connection;

• Your failure to claim promotional rewards within required timeframes.

13.7 Comprehensive Indemnification: You agree to indemnify, defend, and hold harmless Skyrich LTD, its affiliated entities, subsidiaries, parents, successors, assigns, and their respective officers, directors, employees, agents, contractors, and representatives from and against any and all claims, liabilities, damages, losses, costs, expenses (including reasonable attorney fees), judgments, fines, and penalties arising from or related to:

• Your use or misuse of the Platform;

• Your violation of these Terms or any applicable law;

• Your User Content and its publication or use;

• Your interactions with other members or third parties;

• Any chargeback, payment dispute, or refund claim you initiate;

• Your failure to pay applicable taxes on promotional rewards;

• Any fraud, misrepresentation, or breach of warranty by you;

• Violation of intellectual property or other proprietary rights;

• Any regulatory violation or non-compliance attributable to you.

13.8 Consumer Protection Savings Clause: Nothing in these Terms excludes or limits our liability for: death or personal injury caused by our negligence; fraud or fraudulent misrepresentation; any other liability that cannot be excluded or limited under applicable law; or any rights that cannot be excluded under applicable consumer protection legislation.

13.9 Survival of Limitations: The limitations and exclusions in this section shall survive termination of these Terms and your use of the Platform.

14. Dispute Resolution and Legal Proceedings

14.1 Formal Complaints Procedure: We maintain a documented internal complaints resolution process. If you have a complaint:

• Step 1: Contact our customer support team at [email protected] with a detailed description of your complaint. We will acknowledge receipt within 5 business days and aim to resolve the matter within 14 business days.

• Step 2: If your complaint is not resolved to your satisfaction within 14 business days, you may escalate to our complaints team at [email protected]. The

complaints team will conduct an independent review and provide a final response within 30 business days.

• Step 3: If you remain dissatisfied after completing our internal process, you may contact the relevant regulatory authorities or consumer protection agency in your jurisdiction.

14.2 Mandatory Pre-Litigation Resolution: Before commencing any formal legal proceedings against us, you must first attempt to resolve the dispute through the complaints procedure set out above and allow us at least sixty (60) days to investigate and respond. Failure to comply with this requirement may result in dismissal of any subsequent legal action.

14.3 Governing Jurisdiction: Subject to the consumer rights preserved below, all disputes arising from or relating to these Terms, the Platform, or our relationship shall be subject to the exclusive jurisdiction of the courts of England and Wales. The courts of England and Wales shall have exclusive jurisdiction to determine all procedural and substantive matters relating to any such dispute.

14.4 Governing Law: These Terms and any disputes hereunder shall be governed by and construed in accordance with the laws of England and Wales, without regard to conflict of law principles.

14.5 Individual Dispute Resolution: To the maximum extent permitted by applicable law, you agree that any dispute will be resolved individually and not as part of a class action, collective proceeding, or representative action. You waive any right to participate in or receive money or other relief from any class action, collective proceeding, or representative action. This waiver is severable, and if found unenforceable, the remainder of this section remains in effect.

14.6 Consumer Protection Preservation: Nothing in these Terms prevents you from exercising rights provided by mandatory consumer protection legislation in your jurisdiction of residence, including the right to bring proceedings in your local courts where permitted by applicable law.

14.7 Limitation Period: Any claim arising from or related to these Terms or the Platform must be commenced within one (1) year of the date the cause of action accrued, or within any shorter period required by applicable law. Failure to bring a claim within this period constitutes an absolute bar and waiver of such claim.

14.8 Injunctive Relief: Notwithstanding other dispute resolution provisions, either party may seek injunctive or other equitable relief in any court of competent jurisdiction to prevent irreparable harm, protect intellectual property rights, or enforce confidentiality obligations.

14.9 Dispute Resolution Costs: In any dispute resolution proceeding, the prevailing party may be entitled to recover reasonable attorney fees, costs, and expenses incurred, subject to applicable law and court discretion.

14.10 Severability of Dispute Provisions: If any portion of this dispute resolution section is found unenforceable, the remainder shall remain in effect, except that if the class action waiver is found unenforceable, this entire dispute resolution section shall be severed and disputes shall be resolved in accordance with applicable law.

15. Account Termination and Suspension

15.1 Termination Rights: We may suspend, restrict, or terminate your account and access to the Platform for any reason, including but not limited to the following. We will provide written reasons for any termination upon request.

• Breach of any provision of these Terms;

• Suspected fraudulent, illegal, or harmful activity;

• Failure to complete required verification within specified timeframes;

• Multiple chargebacks, payment disputes, or refund claims;

• Creation or use of multiple accounts;

• Abuse of promotional activities or reward systems;

• Violation of intellectual property rights;

• Regulatory requirements or legal obligations;

• Risk to Platform security, integrity, or other members;

• At our sole discretion for business reasons.

15.2 Member-Initiated Termination: You may terminate your membership at any time by: accessing account settings and following the termination process; contacting customer support with a termination request; or providing written notice to our registered address. Termination requests are typically processed within 5-10 business days.

15.3 Effect of Termination: Upon termination of your account for any reason:

• Immediate Access Cessation: Your access to the Platform and all services will cease immediately;

• Forfeiture of Benefits: All pending promotional entries, unclaimed rewards, membership benefits, and Platform privileges are immediately and irrevocably forfeited;

• Data Retention: Your personal data will be retained and processed in accordance with our Privacy Policy and applicable legal requirements;

• Content Removal: Your User Content may be removed from the Platform at our discretion;

• License Termination: All licenses granted to you under these Terms terminate immediately.

15.4 Settlement of Accounts: Upon termination:

• Verified Balances: Any verified promotional rewards that have been approved for distribution will be processed, subject to applicable deductions;

• Outstanding Obligations: You remain liable for all outstanding amounts owed to us, including fees, costs, chargebacks, and damages;

• Fund Holds: We may withhold funds for up to one hundred eighty (180) days following termination where required for ongoing investigations, compliance reviews, chargeback resolution, or regulatory obligations. Members may request a written status update on any held funds at any time, and we will provide written reasons for the hold upon request;

• Deduction Rights: We may deduct from any amounts owed to you: outstanding fees and costs, chargeback fees and penalties, investigation and administrative costs, and any damages or losses incurred.

15.5 Termination for Cause Consequences: Where termination results from your breach of Terms or illegal activity:

• All promotional rewards and benefits are immediately forfeited without compensation;

• You may be permanently excluded from future Platform access;

• We may report violations to relevant authorities, payment processors, and fraud prevention services;

• You remain liable for all damages, costs, and expenses incurred;

• We may pursue all available legal remedies.

15.6 Survival of Terms: The following provisions shall survive termination: intellectual property rights, limitation of liability, indemnification, dispute resolution, governing law, and any other provisions that by their nature should reasonably survive termination.

15.7 No Liability for Termination: We shall have no liability to you or any third party for termination of your account or access to the Platform, including for any loss of data, content, benefits, or business opportunities.

16. Terms Modification and Updates

16.1 Modification Rights: We reserve the right to modify, amend, or update these Terms at any time at our sole discretion to reflect: changes in applicable laws and regulations; regulatory guidance or requirements; Platform feature updates or service changes; business model evolution; security enhancements; and industry best practices.

16.2 Notification of Changes: Material changes to these Terms will be communicated through one or more of the following methods:

• Email notification to your registered email address;

• Prominent notice on the Platform homepage;

• In-platform notification or messaging;

• SMS notification to your verified mobile number;

• Postal notification to your verified address for significant changes.

16.3 Effective Date of Changes:

• Standard Changes: Become effective thirty (30) days after notification;

• Legal/Regulatory Changes: May become effective immediately if required by law or regulation;

• Security Updates: May become effective immediately to protect Platform security;

• Minor Updates: Technical corrections and clarifications become effective upon posting.

16.4 Acceptance of Changes: Continued use of the Platform after the effective date of any changes constitutes your acceptance of the modified Terms. If you object to any changes, your sole remedy is to terminate your membership before the effective date.

16.5 Version Control: We maintain version control of these Terms, including effective dates and change summaries. Previous versions are available upon request for reference purposes but do not create continuing obligations.

16.6 Regulatory Adaptation: We may automatically update these Terms to maintain compliance with new or changed legal requirements without individual notification where such updates do not materially affect member rights or obligations.

17. Governing Law and Regulatory Compliance

17. 1 Governing Law: These Terms are governed by and construed in accordance with the laws of England and Wales, excluding conflict of law principles that would apply the law of another jurisdiction.

17.2 Regulatory Compliance Framework: We operate in compliance with applicable laws and regulations in all jurisdictions where we provide services, including but not limited to:

• Anti-Money Laundering: Applicable anti-money laundering and counter-terrorism financing legislation and international standards;

• Data Protection: Applicable data protection and privacy legislation in relevant jurisdictions;

• Consumer Protection: Applicable consumer protection legislation and standards;

• Financial Services: Where applicable, relevant financial services legislation and regulation.

17.3 Jurisdictional Compliance: Our operations are structured to comply with local laws in jurisdictions where we provide services. Where legal conflicts arise, the most restrictive applicable law shall govern to ensure compliance.

17.4 Regulatory Change Adaptation: These Terms automatically adapt to incorporate new legal requirements. Where regulatory changes create conflicts with existing Terms provisions, the new legal requirements take precedence.

17.5 Severability: If any provision of these Terms is found invalid, illegal, or unenforceable by a court of competent jurisdiction, such provision shall be modified to the minimum extent necessary to make it enforceable, or if modification is not possible, severed from these Terms. The remaining provisions shall continue in full force and effect.

17.6 Entire Agreement: These Terms, together with our Privacy Policy and incorporated Supplementary Terms, constitute the entire agreement between you and us regarding your use of the Platform. They supersede all prior agreements, understandings, negotiations, and communications, whether written or oral.

17.7 Waiver: Our failure to enforce any provision of these Terms, or to exercise any right or remedy, shall not constitute a waiver of that provision, right, or remedy. Any waiver must be in writing and signed by our authorized representative.

17.8 Assignment: You may not assign, transfer, or sublicense any rights or obligations under these Terms without our prior written consent. We may freely assign our rights and obligations under these Terms to any affiliated entity, successor, or third party in connection with a merger, acquisition, corporate reorganization, or sale of assets.

17.9 Third-Party Beneficiaries: These Terms are intended solely for the benefit of the parties and their permitted successors and assigns. No third party has any rights under these Terms, except that our affiliated entities, authorized agents, and service providers are intended third-party beneficiaries of applicable indemnification and limitation of liability provisions.

17.10 Force Majeure: Neither party shall be liable for any failure or delay in performing obligations hereunder due to circumstances beyond their reasonable control, including acts of God, natural disasters, war, terrorism, government actions, pandemics, cyber attacks, or infrastructure failures. Performance shall be suspended during the continuation of such circumstances and resumed when possible.

17.11 Headings and Construction: Section headings are for convenience only and shall not affect interpretation. These Terms shall be construed fairly and not more strictly against either party. References to "including" shall be deemed to include "without limitation."

18. Contact Information and Support

Company Information:

Skyrich LTD

Company Number: 15456781

Registered Office: 71-75 Shelton Street, Covent Garden, London, WC2h 9JQ, United Kingdom

Customer Support:

Email: [email protected]

Business Hours: Monday to Friday, 9:00 AM to 6:00 PM GMT Response Time: Within 24-48 hours for standard inquiries

Complaints:

For unresolved complaints after contacting support:

Email: [email protected]

Compliance and Legal:

For regulatory inquiries, compliance questions, or legal matters: Email: [email protected]

Data Protection Officer:

For privacy and data protection inquiries:

Email: [email protected]

Service Provider Network:

We operate through authorized third-party service providers and regional agents in various jurisdictions to facilitate payment processing, prize distribution, compliance monitoring, and customer support. For regional inquiries, please contact our main support channels, and we will direct your inquiry to the appropriate representative.

Regulatory Authorities:

If you are unable to resolve a complaint with our customer support team, you may contact relevant regulatory authorities in your jurisdiction, including consumer protection agencies, data protection authorities, or financial services regulators as applicable.