Terms of Service

01General and Scope

1.1 These Terms and our Privacy Policy govern your use of: (a) the SpeedCash website (the "Website"); (b) the SpeedCash mobile and web applications, games and related software, whether accessed through the Website or an app store (each an "App" and together the "Apps"); and (c) the reward program(s) operated by Leaps under which users may earn redeemable rewards (the "Rewards Program"). Together these are the "Services" or "SpeedCash".

1.2 The Services are for personal, non-commercial entertainment only. Business, commercial or speculative use is prohibited.

1.3 We may update, change, suspend or discontinue parts of the Services as described in Section 3.

1.4 Questions, complaints and claims can be sent to support@leaps.io or through the in-App support channel.

02Agreement to Terms

By accessing, downloading, installing, registering for or using the Services, you confirm that you have read and agree to these Terms and our Privacy Policy, which is incorporated by reference. If you do not agree, stop using the Services and uninstall the Apps.

You may use the Services only if: (i) you meet the eligibility requirements in Section 5; (ii) no applicable law prohibits you from using them; and (iii) we have not previously terminated your Account for cause.

03Changes to Terms or Services

3.1 Updates. We may update these Terms to reflect changes to the Services, the law or our business.

3.2 Notice of material changes. We will give you at least thirty (30) days' notice of any material change, in the App and/or by email to your Account address. Changes that are not material (for example, clarifications, corrections or new features that do not reduce your rights) take effect when posted. New users are bound by the current version when they register.

3.3 EU, UK and Swiss users. If you live in the European Economic Area, the United Kingdom or Switzerland, material changes take effect four (4) weeks after notice unless you object in writing to support@leaps.io before then. If you object, either of us may end the contract, and Section 20.5 applies to your Available Balance whichever of us ends it. Until then, the previous Terms keep applying to you.

3.4 If you do not agree. You may stop using the Services and redeem your Available Balance before the change takes effect. Otherwise, continued use after the effective date means you accept the updated Terms.

3.5 Changes to the Services. We may change, suspend or discontinue features, or set limits on them. If we discontinue the Rewards Program or the Services entirely, we will give at least thirty (30) days' notice and let you redeem your Available Balance during that period. Section 20.5 applies to any Available Balance left at the end of that period.

04Privacy Policy

Your use of the Services is also governed by our Privacy Policy at https://leaps.io/privacy-policy, which explains how we collect, use, share and protect personal data. See also Section 6.2 (biometric data) and Section 26 (US state privacy rights).

05Eligibility

5.1 Minimum age. The Services, including the Rewards Program and all Promotions, are only for people who are at least eighteen (18) years old, or the age of majority where they live, whichever is higher. Anyone younger may not create an Account, earn or redeem Rewards, or enter Promotions.

5.2 By using the Services you confirm that: (a) you meet the minimum age and can enter a binding agreement; (b) you are not located in, or a national or resident of, a jurisdiction where the Services are prohibited; (c) we have not previously terminated an Account of yours for cause; and (d) the information you give us is true, accurate, current and complete.

5.3 We may ask for proof of age, identity or capacity at any time. If a user does not meet these requirements, we will close the Account under Section 20, and Rewards earned while ineligible are void.

06Identity, Age and Biometric Verification

6.1 Verification. We may verify your identity, age, location and eligibility, for example at your first redemption, when redemptions reach certain amounts, or when our systems detect a risk signal. We may ask for a government-issued ID, proof of address, proof that you own the payout account, phone verification, or a live selfie or face-scan.

6.2 Face-scan and biometric data. If you verify with a face-scan:

• before the scan, we tell you what is collected, why, how long it is kept and where it is stored, and ask for your express written consent, which you give by ticking a box and typing your name. We email you a copy;
• we use the data only to confirm you are a real, unique person, to detect duplicate or fraudulent Accounts, and to protect the Rewards Program;
• the scan is processed with FaceTec software that runs on our own servers hosted on Google Cloud in the United States. FaceTec does not receive your face data or photo;
• we never sell, lease, trade or otherwise profit from biometric data, and we disclose it only where the law requires;
• we delete your photo and face map within four (4) months after the scan, or sooner once they are no longer needed or if the law where you live requires. Our retention schedule is in the Biometric Data section of our Privacy Policy;
• you can ask to see or delete your biometric data, or withdraw consent, at any time in Settings or by emailing support@leaps.io; and
• if you can't or don't want to complete a face-scan, you can email support@leaps.io and we will verify you manually without using biometrics.

6.3 Holds during verification. We may put redemptions on hold until verification is complete. If you do not complete a requested verification within ninety (90) days of our request, or verification shows that you are not eligible or that Rewards were obtained in breach of these Terms, we may decline the redemption, suspend your Account under Section 20, and void the Rewards concerned. You may ask for a review under Section 20.3.

07Restricted Users and Territories

You may not use the Services if you:

• are located in, or ordinarily resident in, a country or territory subject to comprehensive sanctions or an embargo of the United States, the European Union, the United Kingdom, the United Nations or another applicable authority;
• appear on the OFAC Specially Designated Nationals list, the US Denied Persons List or Entity List, or any other applicable restricted-party list;
• live in or are located in a jurisdiction on our country exclusion list, available in the in-App help center or on request; or
• are otherwise prohibited by law from using the Services.

08Account Registration and Security

8.1 Most features, including the Rewards Program, need an account ("Account"). Keep your registration details accurate and up to date.

8.2 One Account per person. Each person may have only one (1) Account. We may also limit the number of Accounts per device. We identify Accounts using factors that may include email address, device identifiers, advertising ID, payout account, IP address and verification results. Creating or using more than one Account, or changing identifiers to get around this rule, is a breach of these Terms and is handled under Sections 11.12 and 20.

8.3 You are responsible for keeping your login details confidential and for activity on your Account. Tell us right away if you suspect unauthorized access. We are not liable for losses caused by your failure to protect your credentials.

8.4 Accounts may not be sold, transferred or assigned to anyone else.

8.5 Account email. Redemption links and important Account notices are sent to the Account email address you used to sign up, and redemption links are also available in the App (Promotion winner notices are sent in the App, as described in Section 13.6). Keep it active and check your spam folder. If you use a relay service (such as Apple's Hide My Email), messages go through that relay, and we may ask you to add a direct email address before you redeem.

09Rights of Use

9.1 While you comply with these Terms, Leaps grants you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to use the Services for personal, non-commercial entertainment and to earn and redeem Rewards under these Terms.

9.2 Unless these Terms allow it, you may not:

• copy, modify, adapt, translate or create derivative works of the Services or any Content;
• distribute, transfer, sublicense, lease, lend or rent the Services or any Content;
• reverse engineer, decompile or disassemble the Services, except where mandatory law allows it;
• make the Services available to multiple users; or
• remove, alter or obscure proprietary notices.

10General Prohibitions

You will not, and will not try to:

• post or transmit content that infringes anyone's rights, breaks the law, or is fraudulent, defamatory, obscene, threatening, harassing, discriminatory or otherwise harmful;
• use the Services or Content to build, train or improve a competing service, machine-learning model or dataset, or scrape, mirror, frame or commercially exploit them;
• access, tamper with, probe or test the security of the Services, or get around any security or authentication measure;
• use bots, scripts, crawlers, macros, automation frameworks or other automated means to access or interact with the Services;
• open or use more than one Account, share an Account, or move coins, points, Rewards, Tickets or other items between Accounts ("multi-accounting" and "pushing");
• use VPNs, proxies, Tor, IP relay services, emulators, virtual machines, modified operating systems, device or GPS spoofing tools, or rooted or jailbroken devices to hide your identity, location or device, or to get around geographic, anti-fraud or eligibility controls;
• cheat, exploit bugs or glitches, manipulate game state, or generate artificial activity;
• send spam or unsolicited promotions;
• impersonate anyone or misrepresent your affiliation;
• interfere with the Services or other users, including through viruses or overloading; or
• break any law, or help anyone else do any of the above.

We are not required to monitor use of the Services, but we may do so to run them, enforce these Terms, comply with the law and protect users. We may remove content, investigate suspected breaches and cooperate with law enforcement.

11Rewards Program

11.1 Earning Rewards. Through the Rewards Program you may earn rewards for gameplay, engagement, completing third-party offers or viewing advertising, and other activities we designate ("Rewards"). The App shows your Rewards as a cash balance in US dollars. We decide which activities qualify and how much they earn. Changes to earning rates apply only going forward and never reduce Rewards already credited. Earnings are not guaranteed. They vary with your device, location, the offers available and your activity, and any amounts shown in marketing are examples only.

11.2 Balance and pending cashouts. Rewards are credited to your balance (your "Available Balance") when you earn them, and can be redeemed under these Terms. When you request a cashout, the amount is deducted from your Available Balance and shown as "Pending" while we process and review it (Sections 6 and 11.8). If a cashout cannot be completed, for example because the payout details are wrong, the amount is returned to your Available Balance. If a cashout is rejected under Section 11.14, that Section applies. We will only remove Rewards from your Available Balance under Section 5.3 (eligibility), Section 6.3 (verification), Section 11.10 (expiry), Section 11.12 (disqualification), Section 13.8 (Promotion disruption) or Section 20, or to correct an error, such as a technical fault that credited the wrong amount or an offer completion that the advertiser reverses as invalid. If we correct an error, we will tell you.

11.3 Welcome Bonus. You may receive a welcome bonus when you create an Account. The amount may vary by location, sign-up channel, device and current campaigns, and no specific amount is guaranteed. Welcome bonus Rewards follow the same redemption rules as other Rewards, and may also require a minimum level of activity and balance before redemption.

11.4 Minimum activity. To deter fraud, you must reach a minimum level of activity before your first redemption. The current requirement is shown in the App.

11.5 Verification. Redemptions may require verification under Section 6.

11.6 Redeeming Rewards. You can redeem your Available Balance by choosing a redemption option in the App. Options vary by location, eligibility and amount, and may include PayPal, Venmo, gift cards, vouchers or other options we offer. Each option has a minimum redemption value ("Minimum Redemption Value"), which may vary by method, country, currency and partner, and is shown in the App before you redeem. We may add, remove or change options and minimums going forward.

11.7 Annual Redemption Limit. Unless the App tells you otherwise, the total value you may redeem in a calendar year, across all methods and including Promotion prizes, is US$1,900 (the "Annual Redemption Limit"). Rewards above the limit stay in your Available Balance and can be redeemed from January 1 of the next year. We may allow redemptions above the limit once you provide valid tax information (for example, IRS Form W-9 for US persons or Form W-8BEN for others) and pass verification. See Section 17.

11.8 Processing and delivery. Redemptions are usually processed in less than one (1) business day and may take up to five (5) business days. They may take longer during verification, a fraud review, a force majeure event, or delays at payment providers, gift card issuers or banks, and we are not responsible for third-party delays. Rewards are delivered by our payout partners. You can open your redemption link directly in the App, and we also send it to your Account email, which may come from the partner's address. Keep your link private: anyone who has it may be able to claim the Reward. If you have not received a redemption within five (5) business days, contact support and we will help, including reissuing it if it has not been claimed. Gift cards are also subject to the issuer's terms.

11.9 Nature of Rewards. Your Rewards balance is shown in US dollars so you can see what you can redeem. It is not money, a bank or e-money account, a deposit or stored value, and it earns no interest. It becomes money only when you redeem it under these Terms. Rewards are personal to you and may not be sold, exchanged, transferred or assigned. Redemptions are final and cannot be reversed back into Rewards.

11.10 Expiry. Rewards expire in two cases:

• Time limit. Each Reward expires twelve (12) months after it is credited to your balance, unless you redeem it before then. Redemptions use your oldest Rewards first, and the App shows when your next Rewards will expire.
• Inactivity. If you do not log in for six (6) consecutive months, your Account becomes inactive, and your Rewards balance and your Tickets expire thirty (30) days after we notify you, unless you log in before then.

We will notify you in the App and by email at least thirty (30) days before Rewards expire under either rule. If an inactive Account's Rewards expire, we may close the Account. Where local law requires a longer period or different notice, that law applies.

11.11 Changes to the Rewards Program. We may change the Rewards Program going forward. If a redemption option is withdrawn, we will offer another option of equivalent value where one is reasonably available. If we end the Rewards Program, Section 3.5 applies.

11.12 Disqualification. If we reasonably believe you have committed fraud, multi-accounting, pushing, bot or automation use, bug exploitation or another material breach of these Terms, we may void the Rewards and entries obtained through that conduct. Where the conduct affects the whole Account (for example, an Account created to farm Rewards), we may void all of its Rewards. You can ask for a review under Section 20.3.

11.13 Rewards partners. Payment processors, gift card issuers and other partners help operate the Rewards Program, and you may need to accept their terms to receive some Rewards. By joining the Rewards Program, you agree that we may validate, track and record your activity, and share the data needed with these partners to run it, as described in our Privacy Policy.

11.14 Rejected redemptions and Redemption Blocks. We may reject a redemption if we reasonably believe it involves fraud, abuse, multi-accounting, pushing, automation or another breach of these Terms, or if verification under Section 6 is not completed. If we reject a redemption for one of these reasons, we may also block future redemptions from your Account (a "Redemption Block") without suspending or closing it. While a Redemption Block applies, you may keep using the App, but you cannot redeem any Rewards, including Rewards earned after the block started. We will tell you in the App or by email when a redemption is rejected and when a Redemption Block applies, and you may ask for a review under Section 20.3. If we find the rejection or block was unfounded or incorrect, we will lift it and restore any affected Rewards. Rewards obtained through the conduct concerned may be voided under Section 11.12.

11.15 Referral Program. You can invite friends to SpeedCash with your personal referral link. When a friend joins through your link, you earn a referral bonus equal to five percent (5%) of the Rewards your friend earns, added to your balance as they earn them. We pay the bonus. It is never deducted from your friend's Rewards. These rules apply:

• Your friend must be a new user who never had an Account and who meets Section 5. Only one referrer can be credited for each friend.
• Your friend's Welcome Bonus and any referral bonuses your friend earns do not count. Only one level of referral is paid.
• If your friend's Rewards are voided or reversed, the matching referral bonus is removed as well.
• Referral bonuses are Rewards. All of this Section 11 applies to them, including verification, the Annual Redemption Limit and expiry.
• You may not refer yourself, create or use other Accounts, pay people to sign up, or use fake or automated sign-ups. Section 11.12 applies to referral bonuses obtained this way.
• Share your link only lawfully. Do not send spam, mass messages, or texts or calls to people who have not agreed to receive them, and do not post your link in paid ads, app store reviews or in a way that suggests it comes from us. You are responsible for how you share your link.
• We may set a time limit or a maximum bonus per referral, shown in the App, and we may change or end the Referral Program going forward. Changes never reduce bonuses already credited.

12Tickets

12.1 Earning Tickets. You may earn virtual tickets ("Tickets") by completing designated activities, such as Weekly Challenges tasks. We decide which activities award Tickets, how many and on what conditions, and may change this going forward. Where the App asks you to collect Tickets for a completed task (for example, by tapping "Collect"), Tickets not collected before the reset period ends are lost. Unless the App says otherwise, your collected Ticket balance carries over between reset periods, but task and chain progress does not.

12.2 Tickets cannot be bought. Tickets can only be earned. They cannot be purchased with money, Virtual Items or anything else.

12.3 Using Tickets. Tickets can be used only for the features we designate, such as skipping an eligible task at the Ticket price shown in the App. Some tasks or features may be excluded, as shown in the App. Spent Tickets are not refunded. We may change Ticket uses and prices going forward.

12.4 No cash value. Tickets are virtual items only. They have no monetary value, are not money or property, and can never be redeemed, exchanged or cashed out for money, Rewards or prizes, in whole or in part. They cannot be added to any redemption.

12.5 Tickets are personal and non-transferable, and may not be sold, traded, gifted or moved between Accounts.

12.6 Tickets expire under Section 11.10 and may be voided under Section 11.12 or Section 20. When an Account is closed, its Tickets are lost.

13Chance-Based Features, Sweepstakes and Promotions

13.1 Scope. This Section covers Speed Spin (the prize wheel used to claim Daily Tasks and Weekly Challenge rewards), the Daily Bonus, Weekly Challenges prize pots, other prize wheels, sweepstakes, prize draws, contests, and any other feature where a prize depends wholly or partly on chance ("Chance-Based Features"), plus other time-limited promotions (together, "Promotions"). Each Promotion may have official rules shown in the App before you enter ("Official Rules"). If the Official Rules conflict with these Terms, the Official Rules govern that Promotion.

13.2 NO PURCHASE OR PAYMENT NECESSARY. Entering a Promotion is free. A purchase or payment of any kind will not increase your chances of winning. Virtual Items cannot be used to enter a Promotion or improve your odds, and Tickets cannot be bought (Section 12.2). Viewing ads is voluntary. No payment is required, and watching advertisements does not constitute consideration for participation.

13.3 Odds. The odds and prizes of each Chance-Based Feature are shown in the App before you enter. The odds and prizes of an entry are fixed when you make it. We may change odds or prizes only for future entries, and we will update the App and the Official Rules before the change takes effect. A change never applies to entries already made. Odds are not personalized based on your spending, time in the App or other individual characteristics, except as disclosed in the Official Rules. On a wheel or similar display, the number or size of segments does not reflect the odds; the odds shown under "Prize odds" apply.

13.4 Speed Spin. The prizes and odds of Speed Spin, including the separate odds for Daily Tasks spins and Weekly Challenge spins, are in Appendix B and on the in-App "Prize odds" screen.

13.5 Eligibility. Promotions are open only to users who are at least eighteen (18) and eligible under Section 5. Promotions are not open to residents of any country where they are prohibited or restricted by law, and are void there. Employees, officers, directors and contractors of Leaps and its affiliates and promotional agencies, their immediate family members (spouses, parents, siblings and children, wherever they live) and members of their households may not enter or win.

13.6 Verification and notification. All potential winners are subject to verification. A user is not a winner until we have verified eligibility and said so. We notify winners only in the App, not by email or SMS, so please check the App regularly. Instant-win prizes are credited to your balance right away and are subject to verification when you cash out. For prize draws, we may ask for a declaration of eligibility and a liability and publicity release where the law allows. If a potential winner does not claim a prize or meet these requirements within thirty (30) days of notification, we may choose another winner. We will run up to three (3) alternate drawings, after which the prize is not awarded.

13.7 Taxes and limits. Prizes credited to your balance are Rewards and follow Section 11. Winners are responsible for taxes on prizes (Section 17). Prizes count toward the Annual Redemption Limit.

13.8 Disruption. If a Promotion cannot run as planned because of fraud, technical failure or another cause beyond our reasonable control, we may void affected entries, or modify, suspend or cancel the Promotion. Any change affects only future entries, except to the extent needed to deal with fraud or a technical fault.

13.9 App stores are not sponsors. Leaps is the sole sponsor of every Promotion. Apple Inc. and Google LLC are not sponsors of, and are not involved in any way with, any Promotion.

13.10 Promotion claims (US). To the extent the law allows, for claims arising from a Promotion: (a) you release Leaps from liability connected with accepting or using a prize; (b) Leaps is not responsible for lost, late, incomplete or misdirected entries or for network, server or software failures; and (c) recovery is limited to the value of the prize at issue, and excludes punitive, incidental and consequential damages.

14In-App Purchases and Virtual Items

14.1 The Services are generally free. We may offer in-game credits, virtual currency, level jumps, cosmetic items or other virtual items for purchase ("Virtual Items"). Virtual Items do not increase the Rewards, Tickets or entries you earn.

14.2 You do not have to buy Virtual Items. They have no monetary value, are licensed (not sold) to you for personal use in the Apps, and cannot be sold, transferred, exchanged or redeemed for cash. They can never be converted into Rewards or Tickets, used to enter a Promotion, or used to improve odds.

14.3 Virtual Items can only be bought through the relevant app store (for example, the Apple App Store or Google Play), whose terms also apply. Once payment is processed, the Virtual Items are credited to your Account.

14.4 Purchases are final and non-refundable, except where mandatory law requires otherwise (see Section 28 for EU, UK and Swiss withdrawal rights). Refund requests go to the app store where you made the purchase.

14.5 Deleting the App, changing devices or closing your Account may mean losing unused Virtual Items. We may refuse any purchase.

15Advertising

15.1 The Services may show third-party advertising, sponsored content, promotional links and cross-promotion, including for our partners. We do not endorse, and are not responsible for, third-party products or services.

16Service Availability and Force Majeure

16.1 We aim to keep the Services available and error-free, but cannot guarantee uninterrupted access. You are responsible for a stable internet connection and a compatible device.

16.2 We may restrict access where needed for security, to prevent abuse, or for maintenance.

16.3 We are not liable for delays or failures caused by events beyond our reasonable control, including labor disputes, natural disasters, war, civil unrest, terrorism, pandemics, government action, failures of third-party providers, or telecommunications or internet outages.

17Taxes

17.1 You are responsible for any taxes on Rewards, prizes and other benefits you receive, and for reporting them where required.

17.2 Where the law requires, we or our service providers may: (a) ask you for tax information (for example, IRS Form W-9, Form W-8BEN or local equivalents); (b) issue information returns (for example, IRS Form 1099-MISC) and report payments to tax authorities; and (c) withhold tax from payments (for example, US backup withholding) if you do not provide valid tax information. If you do not provide requested tax information, we may pause redemptions above the applicable limit until you do.

17.3 We do not give tax advice. Please consult a tax adviser about your situation.

18Content and Intellectual Property

18.1 "Content" means all text, data, code, graphics, logos, images, music, audio, video, software, game mechanics, user-interface and visual elements, and other material made available through the Services.

18.2 Leaps and its licensors own all rights in the Services and Content, including intellectual property rights. Using the Services gives you no ownership rights. You will not remove or alter proprietary notices.

18.3 While you comply with these Terms, we grant you a limited, non-exclusive, non-transferable, non-sublicensable license to use the Content for your personal, non-commercial use of the Services.

18.4 If you give us feedback or suggestions, you grant Leaps a non-exclusive, perpetual, irrevocable, worldwide, royalty-free, sublicensable and transferable license to use them for any purpose without compensation.

18.5 If the Services let you submit content (for example, a username, profile image or support messages), you keep ownership of it and grant Leaps a non-exclusive, worldwide, royalty-free license to host, store, use and display it as needed to operate the Services.

19Third-Party Apps, Websites and Resources

The Services may include ads, links or access to third-party apps, products, services, rewards, websites or resources ("Third-Party Content"). We do not control and are not responsible for Third-Party Content, including its accuracy or privacy practices. You use it at your own risk.

20Account Review, Suspension, Appeal and Termination

20.1 Closing your Account. You may close your Account at any time through the in-App deletion flow or by contacting support. Any Rewards and Tickets left when the Account closes are lost.

20.2 Suspension. If we reasonably suspect a breach of these Terms, fraud, multi-accounting, a security risk, or a legal requirement, we may suspend your Account right away and hold redemptions while we investigate. We will tell you in the App or by email that your Account has been suspended. We may also share the general reason, but we are not required to, especially where it could compromise an investigation or security, or break the law.

20.3 Review and appeal. You may ask us to review a suspension, termination, disqualification, rejected redemption or Redemption Block within thirty (30) days of our notice, through support@leaps.io with the subject "Account Review", and include any information that supports your request. A member of our team will review it and respond within thirty (30) days, or tell you why more time is needed. If we find that the action was unfounded or incorrect, we will restore your Account together with all Rewards and Tickets it held. If we uphold it, we will tell you the outcome.

20.4 Termination for cause. After investigation, we may terminate your Account for fraud or a material or repeated breach of these Terms. Rewards obtained through the misconduct are forfeited, and where the misconduct affects the whole Account (Section 11.12), all of its Rewards may be forfeited. Any Available Balance that is not forfeited can be redeemed within thirty (30) days of our notice, as described in Section 20.5.

20.5 Termination without cause. We may end your access, or stop the Services or the Rewards Program entirely, for any other reason, such as a business or legal decision or withdrawing the Services from your country. If we do, we will give you at least thirty (30) days' notice in the App and by email, unless the law requires otherwise. During that notice period you may redeem your Available Balance under Section 11, subject to verification, sanctions rules and the Minimum Redemption Value. Cashouts requested before the end of the notice period will still be processed. Any Available Balance you have not redeemed by the end of the notice period is forfeited.

20.6 Effect of termination. When your Account ends, your rights under these Terms end. Provisions that by their nature should survive will survive, including ownership, disclaimers, limitations of liability, indemnification and dispute resolution.

21Warranty Disclaimers

TO THE FULLEST EXTENT PERMITTED BY LAW, THE SERVICES AND CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE", WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED OR STATUTORY, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT. LEAPS DOES NOT WARRANT THAT THE SERVICES WILL MEET YOUR EXPECTATIONS, OR BE UNINTERRUPTED, SECURE OR ERROR-FREE, OR THAT ANY FEATURE OR REWARD OPTION WILL BE AVAILABLE AT ANY GIVEN TIME.

This Section does not affect statutory rights that cannot be excluded, including those of consumers in the EEA, UK and Switzerland.

22Indemnification

To the extent permitted by law, you will indemnify and hold harmless Leaps, its affiliates, service providers and licensors, and their officers, directors, employees and agents, from claims, losses, damages and costs (including reasonable legal fees) arising from: (i) your breach of these Terms; (ii) your breach of any law or third-party right; or (iii) content you submit through the Services.

23Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, LEAPS, ITS AFFILIATES AND THEIR OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, LICENSORS AND CONTRACTORS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY, PUNITIVE OR CONSEQUENTIAL DAMAGES, INCLUDING LOST PROFITS, LOSS OF DATA OR GOODWILL, SERVICE INTERRUPTION OR THE COST OF SUBSTITUTE SERVICES, ARISING FROM THESE TERMS OR THE SERVICES, UNDER ANY LEGAL THEORY, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

To the fullest extent permitted by law, Leaps's total liability arising from these Terms or the Services is limited to the greater of (a) the amounts you paid for Virtual Items in the twelve (12) months before the event giving rise to the claim, and (b) US$100.

This Section does not limit your right to redeem your Available Balance under these Terms, or our obligation to deliver Rewards you have validly redeemed. Nothing in these Terms excludes or limits liability for death or personal injury caused by negligence, for fraud or fraudulent misrepresentation, or any other liability that cannot be excluded or limited by law.

24Time Limit for Claims

To the extent permitted by applicable law, any claim arising from the Services, the Content or the Rewards Program must be brought within twelve (12) months after it arose, or it is permanently barred. A claim is brought when it is filed in court or when a Legal Notice is sent under Section 27.3. This period is paused while a review under Section 20.3 is pending. This Section does not apply to consumers in the EEA, UK or Switzerland, or wherever the law gives you a longer period that cannot be shortened by contract.

25App Store Terms

25.1 This Section applies if you downloaded an App from the Apple App Store. These Terms are between you and Leaps only, not Apple Inc. ("Apple"). Leaps, not Apple, is solely responsible for the App and its content.

25.2 Your license to use the App is limited to Apple-branded products that you own or control, as permitted by the Usage Rules in Apple's Media Services Terms and Conditions, except that the App may be accessed by other accounts associated with you through Family Sharing or volume purchasing.

25.3 Leaps is solely responsible for maintenance and support of the App. Apple has no obligation to provide any maintenance or support.

25.4 If the App fails to conform to any warranty that has not been effectively disclaimed, you may notify Apple, and Apple will refund the purchase price of the App (if any). To the maximum extent permitted by law, Apple has no other warranty obligation for the App.

25.5 Leaps, not Apple, is responsible for addressing any claims relating to the App or your use of it, including product liability claims, claims that the App fails to meet any legal or regulatory requirement, and claims under consumer protection, privacy or similar laws.

25.6 If a third party claims that the App or your use of it infringes its intellectual property rights, Leaps, not Apple, is solely responsible for investigating, defending, settling and discharging the claim.

25.7 You confirm that you are not located in a country subject to a US Government embargo or designated as a "terrorist supporting" country, and are not on any US Government list of prohibited or restricted parties.

25.8 You must comply with applicable third-party terms when using the App, such as your wireless data service agreement.

25.9 Apple and its subsidiaries are third-party beneficiaries of these Terms, and once you accept these Terms, Apple has the right to enforce them against you as a third-party beneficiary.

25.10 Leaps's contact details for questions, complaints and claims are in the Company Identity paragraph at the top of these Terms.

25.11 If you downloaded the App from Google Play, Google LLC is not a party to these Terms and is not responsible for the App.

26US State Privacy Rights

26.1 Your rights. If you live in California or another US state with a comprehensive privacy law, you may have rights to know about and access your personal information, correct it, delete it, receive a portable copy, opt out of its sale or sharing for cross-context behavioral or targeted advertising, limit the use of sensitive personal information, and appeal our decision on a request. The US State Privacy Notice in our Privacy Policy (https://leaps.io/privacy-policy) explains these rights and how to use them, including by emailing support@leaps.io with the subject "Privacy Request". Where required, we honor Global Privacy Control signals. We will not discriminate against you for exercising these rights.

26.2 Notice of Financial Incentive. Because Rewards are linked to your activity and to our collection and use of personal information (such as advertising identifiers and device and usage data used to deliver ads and offers), the Rewards Program may be a "financial incentive" under California law. Our Notice of Financial Incentive in our Privacy Policy (https://leaps.io/privacy-policy) describes the program's material terms, the categories of personal information involved, how to opt in and withdraw, and our good-faith estimate of the value of your data and how we calculated it. You opt in by joining the Rewards Program, and you may withdraw at any time by stopping participation. You may still redeem your Available Balance under Section 11 when you withdraw.

26.3 Biometric data. If you live in Illinois, Texas, Washington, Colorado or another state with biometric privacy laws, we will obtain the notice and consent those laws require before collecting any biometric data, as described in Section 6.2.

26.4 California users. Under California Civil Code Section 1789.3, California users are entitled to the following notice. The Services are provided by Leaps Gaming Ltd., Carlebach 1, Tel Aviv, Israel. The Services are free to use, except for optional in-App purchases at the prices shown in the app store. For complaints, contact support@leaps.io, or the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs in writing at 1625 North Market Blvd., Suite N 112, Sacramento, CA 95834, or by telephone at (800) 952-5210.

27Additional Provisions for US Users

27.1 Automated use. Automated or bulk use of the Services, or use by third parties on your behalf, may be disqualified, and Rewards obtained that way voided. Multiple users may not share an email address. In a dispute over who a user is, the authorized holder of the registered email address is treated as the user.

27.2 WARNING: ANY ATTEMPT TO DELIBERATELY DAMAGE THE SERVICES OR ANY PROMOTION, OR TO UNDERMINE THEIR LEGITIMATE OPERATION, MAY VIOLATE CRIMINAL AND CIVIL LAWS. LEAPS RESERVES THE RIGHT TO SEEK DAMAGES AND OTHER REMEDIES TO THE FULLEST EXTENT PERMITTED BY LAW.

27.3 Informal resolution first. Before starting any legal proceeding, you and Leaps agree to try to resolve the dispute informally. Send a written notice with your name, Account email, a description of the dispute and the relief you want to support@leaps.io with the subject "Legal Notice". Leaps will send notices to your Account email. If the dispute is not resolved within sixty (60) days of the notice, either party may start proceedings. Limitation periods are paused during those sixty (60) days.

27.4 Class action and jury trial waiver. Except where prohibited by law, you and Leaps each agree that any dispute arising from these Terms, the Services, Rewards or any Promotion will be resolved on an individual basis, and not in any class, collective, consolidated or representative action. If a court decides this waiver is unenforceable for a particular claim, that claim (and only that claim) may proceed on a class basis in court. YOU AND LEAPS EACH WAIVE THE RIGHT TO A TRIAL BY JURY, to the maximum extent permitted by law. These waivers do not apply where the law of your state of residence prohibits them, and do not limit any right to seek public injunctive relief that cannot be waived. Either party may bring an individual claim in small claims court if it qualifies.

27.5 Governing law and venue. For US users, these Terms and any related dispute are governed by the laws of the State of New York, without regard to conflict-of-laws principles. Subject to Section 27.4, the exclusive venue is the state and federal courts located in New York County, New York, and you and Leaps consent to their personal jurisdiction. This does not stop either party from using small claims court where available.

28Additional Provisions for EU, UK and Swiss Users

28.1 Governing law and courts. If you are a consumer in the EEA, the UK or Switzerland, these Terms are governed by the laws of the State of Israel. You still keep the protection of the mandatory consumer laws of your country of residence. You may bring proceedings in the courts of your country of residence or of Tel Aviv, Israel. Leaps may bring proceedings against you only in the courts of your country of residence.

28.2 Statutory rights. You have a legal guarantee that the digital content and services we supply conform to the contract. Nothing in Sections 21 to 24 limits that guarantee or any other statutory right that cannot be excluded.

28.3 Right of withdrawal. You may withdraw from a contract to buy Virtual Items or other paid Services within fourteen (14) days of concluding it, without giving a reason, unless your right has expired under Section 28.4. To withdraw, send us a clear statement (for example, by email) to Leaps Gaming Ltd., Carlebach 1, Tel Aviv, Israel, support@leaps.io. You may use the model form in Appendix A, but you do not have to. It is enough to send your notice before the period ends.

28.4 When the right of withdrawal expires. For digital content not supplied on a tangible medium, the right of withdrawal expires once supply has begun with your prior express consent and your acknowledgment that you lose the right. Before you complete an in-App purchase, we will ask on the purchase screen for your express consent to immediate supply and your acknowledgment that you lose your right of withdrawal once supply begins, and we will confirm this to you by email or in the App.

28.5 Effects of withdrawal. If you validly withdraw, we will refund all payments received from you without undue delay and within fourteen (14) days of being told of your decision, using the same payment method unless you expressly agree otherwise. You will not be charged any fee for the refund. Where you paid through an app store, the refund is processed by that app store and we will support your request.

29Governing Law and Jurisdiction (All Other Users)

For users not covered by Sections 27 or 28, these Terms and any related dispute are governed by the laws of the State of Israel, without regard to conflict-of-laws principles, and the competent courts of Tel Aviv, Israel have exclusive jurisdiction. This does not remove mandatory consumer protections of the country where you live. The UN Convention on Contracts for the International Sale of Goods does not apply.

30General Provisions

30.1 Entire agreement. These Terms, the Privacy Policy and any Official Rules are the entire agreement between you and Leaps and replace all earlier agreements on this subject.

30.2 Severability. If any provision is held invalid or unenforceable, the rest of these Terms remain in effect.

30.3 No waiver. Our failure to enforce a provision is not a waiver of it.

30.4 Assignment. Leaps may assign these Terms to an affiliate or to a successor in a merger, acquisition or sale of assets, provided your rights under these Terms are not reduced. You may not assign your rights or obligations without our written consent.

30.5 Notices and electronic communications. We may send you notices in the App, by email to your Account address, or by posting on the Website. You agree to receive communications electronically. You may send notices to support@leaps.io.

30.6 Headings. Headings are for convenience only.

30.7 Language. These Terms are written in English. Translations are for convenience only, and the English version prevails if there is a conflict, except where local law requires otherwise.

30.8 Contact. Questions about these Terms: support@leaps.io.

AAppendix A: Model Withdrawal Form

(Complete and return this form only if you wish to withdraw from a contract for paid Services or Virtual Items.)

To: Leaps Gaming Ltd. (SpeedCash), Carlebach 1, Tel Aviv, Israel. Email: support@leaps.io

I/We (*) hereby give notice that I/We (*) withdraw from my/our (*) contract for the provision of the following service (*): ____________________________________________

Ordered on (*) / received on (*): ______________________________

Name of consumer(s): ______________________________

Address of consumer(s): ______________________________

Signature of consumer(s) (only if this form is sent on paper): ______________________________

Date: _______________

(*) Delete as applicable.

BAppendix B: Speed Spin Official Rules (Summary)

Sponsor: Leaps Gaming Ltd. is the sole sponsor of Speed Spin. Apple Inc. and Google LLC are not sponsors and are not involved in any way. No purchase or payment necessary. Eligibility, exclusions and verification follow Section 13.

How to enter: Completing your Daily Tasks, or a Weekly Challenge, earns one free spin, which you use to claim that reward.

Prizes and odds: Every spin wins exactly one of the prizes below. Daily Tasks spins and Weekly Challenge spins have different prizes and odds. The "Prize odds" screen in the App always shows the current prizes and odds for each type of spin and forms part of these Official Rules. The odds shown when you spin are the odds that apply to that spin. Wheel segments are not to scale, so the size or number of segments does not reflect the odds.

The tables below show the prizes and odds on November 15, 2026.

Daily Tasks spin

The average value of a Daily Tasks spin is about US$0.50.

Weekly Challenge spin

The average value of a Weekly Challenge spin is about US$1.46.

Changes: The odds and prizes of a spin are fixed when you spin. We may update them for future spins. Updated odds appear on the "Prize odds" screen before they apply and never affect spins already made. Prize values are in US dollars and may be shown in local currency at our current conversion rate.

Crediting: Prizes are credited to your balance right away and are subject to verification when you cash out. They count toward the Annual Redemption Limit.

Void where prohibited.

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