These Promotional Terms and Conditions ("Promotional T&Cs") govern all promotions, offers, discounts, reward programmes, prize draws, and incentive schemes ("Promotions") made available by Rizon Global Inc ("Rizon", "we", "us", "our") to users of the Rizon platform and application ("Platform").

By participating in any Promotion, you ("User", "you") agree to be bound by these Promotional T&Cs in addition to Rizon's main Terms of Service and Privacy Policy. In the event of a conflict between these Promotional T&Cs and any Promotion-specific communication, these Promotional T&Cs shall prevail unless the Promotion-specific communication expressly states otherwise.

Rizon reserves the right to amend, suspend, or terminate any Promotion or these Promotional T&Cs at any time without prior notice. Continued participation in a Promotion following such changes constitutes acceptance of the updated terms.

To be eligible to participate in any Promotion, you must:

Rizon's services and Promotions are available based on your nationality as verified through identity verification (KYC). Rizon's eligibility is determined by your citizenship - not solely your country of residence. Users whose nationality is not supported will not be eligible to open an account or participate in Promotions, even if they reside in a supported country.

Rizon currently supports the following nationalities:

This list is subject to change. The most current list of supported nationalities is available at: https://intercom.help/rizon/en/articles/13517852-is-rizon-available-for-me

Where a User's nationality is subsequently found to be unsupported, Rizon reserves the right to disqualify the User from any active Promotion and to reverse any Rewards already credited to their account. Rizon shall not be liable for any loss arising from such disqualification.

Rizon reserves the right to verify eligibility at any point and to disqualify any User who does not meet these requirements, even if a Reward has already been issued.

Participation in a Promotion is voluntary. Unless otherwise stated, Promotions are available to eligible Users on a first-come, first-served basis and may be subject to limited availability or time restrictions.

Users may not combine, stack, or apply more than one active Promotion at a time unless explicitly stated in the terms of a specific Promotion. Where multiple Promotions are active simultaneously, Users must select one Promotion to participate in. Rizon's determination of which Promotion applies in the event of a dispute is final.

Rewards, Discount Codes, and Promotion benefits are personal to the eligible User and may not be transferred, sold, exchanged, or assigned to any third party. Any attempt to transfer a Reward may result in disqualification and account suspension.

Unless explicitly stated, Rewards have no cash value and cannot be exchanged for cash, cryptocurrency, or any other monetary equivalent. Cashback Rewards credited to a User's Rizon balance are subject to standard Platform withdrawal and usage conditions.

Promotions are made available at Rizon's sole discretion. Rizon does not guarantee that any particular Promotion will be made available to all Users or in all jurisdictions. Availability may vary based on account type, plan, nationality, location, or other factors.

Where a Promotion requires a User to spend a specified amount using their Rizon Card, only Eligible Transactions will count toward the required spend threshold. A transaction is considered eligible when it is:

Pending transactions do not count toward spend thresholds until fully settled. Rizon is not responsible for delays caused by merchants or card networks.

The following merchant categories are excluded from all spending-based Promotions, including cashback programmes, spend-and-earn offers, spend-to-enter prize draws, and flash spending rewards. Purchases at merchants under any of the following MCCs will not count toward Promotion eligibility and will not qualify for any Reward:

This list may be updated from time to time. The most current version is available at: https://intercom.help/rizon/en/articles/13376068-mcc-exclusions-no-cashback-on-these-categories

Where a Promotion specifies a minimum spend requirement, the threshold must be met within the time window stated in the Promotion communication. Spend accumulated outside the promotional window will not count. Rizon reserves the right to verify spend amounts and to withhold Rewards where the threshold has not been genuinely met.

Cashback is earned exclusively on eligible card purchases made with the Rizon Card. Cashback rates, tiers, and applicable categories are specified within the relevant Promotion or within the User's active Rizon plan terms. Cashback is subject to all MCC exclusions listed in Section 5.2.

Standard and promotional cashback rates (including category-specific rates for merchants such as grocery stores, restaurants, and takeaway services) are subject to change. Promotional cashback rates are available for limited periods only and revert to standard rates upon expiry. Cashback is an Emerald plan exclusive benefit unless otherwise stated in a specific Promotion.

Cashback is credited to the User's Rizon balance following settlement of the qualifying transaction. Rizon does not guarantee a specific crediting timeline and is not liable for delays caused by merchant processing or card network settlement cycles.

In addition to MCC exclusions, the following transaction types do not qualify for cashback under any Promotion:

Rizon reserves the right to apply a maximum cashback cap per User per calendar month. Where a cap applies, it will be communicated within the relevant Promotion terms or the User's plan details.

Discount Codes issued by Rizon may be used to reduce the purchase price of eligible Rizon products and services, including physical card orders and plan upgrades. Codes must be applied at checkout within the Rizon application.

Each Discount Code may only be used once per User account. Attempts to use the same code across multiple accounts, or to create duplicate accounts for additional redemptions, will result in disqualification and may result in account suspension.

Discount Codes are valid for the period specified in the relevant Promotion communication. Expired codes will not be accepted. Rizon is not responsible for a User's failure to redeem a code within the stated validity period.

Discount Codes cannot be combined with other Discount Codes or Promotions unless explicitly stated. Only one Discount Code may be applied per transaction.

Discount Codes apply solely to the product or service specified in the relevant Promotion. A code issued for a physical card purchase cannot be applied to a plan upgrade, and vice versa, unless the Promotion expressly states otherwise.

Entry into a Prize Draw requires completion of the qualifying action specified in the Promotion (e.g., spending a minimum amount within a defined window using the Rizon Card). Entry is either automatic or based on action in app or a confirmation where it is required. Upon confirmed completion of the qualifying action, subject to eligibility verification. All qualifying actions are subject to MCC exclusions in Section 5.2.

Prizes are limited in quantity as stated in the Promotion. Where stated prizes are exhausted, no alternative prize will be offered. Rizon reserves the right to substitute a prize of equal or greater value where the original prize becomes unavailable.

Winners will be selected at random from all valid entries received during the Promotion period, conducted by or on behalf of Rizon Global Inc. Rizon's decision is final and binding. No correspondence will be entered into.

Winners will be notified via the contact details associated with their Rizon account. If a winner cannot be contacted within 14 days of the draw, Rizon reserves the right to select an alternative winner. Prizes not claimed within the period specified in the winner notification will be forfeited.

Promotions relating to the purchase of a physical Rizon Card are subject to product availability. Rizon does not guarantee stock levels and reserves the right to limit the number of discounted cards available. Discounted purchases are non-refundable once an order has been confirmed and dispatched.

Users subscribed to the Rizon Emerald plan are entitled to one free physical card as part of their plan benefits, subject to availability. This entitlement is non-transferable and applies to the primary account holder only. If an Emerald subscription is cancelled or downgraded after a free card has been ordered but before dispatch, Rizon reserves the right to charge the standard card price or cancel the order.

Where a Promotion offers a discount for purchasing a Rizon product using stablecoin payment methods (including USDC or USDT), the discount applies solely to the transaction completed via the specified stablecoin payment method and network at the time of the Promotion. Rizon is not liable for failed or delayed on-chain transactions caused by network conditions.

Early access offers made to Users on a waitlist are subject to availability on a first-come, first-served basis. Being on a waitlist does not guarantee early access or any specific product allocation. Rizon reserves the right to determine the number of early access places available and the criteria for selection.

The following actions may result in immediate disqualification, forfeiture of any accrued Rewards, and suspension or termination of a User's account:

Rizon reserves the right to recover any Rewards already credited to an account where misuse or fraud is identified, including by deducting equivalent amounts from the User's balance.

Rizon reserves the right, at its sole discretion and at any time, to:

Where possible, Rizon will provide reasonable notice of material changes to active Promotions via in-app notification or email. Rizon is not obligated to provide advance notice and shall not be liable for any loss arising from the modification or cancellation of a Promotion.

To the fullest extent permitted by applicable law:

Nothing in these Promotional T&Cs limits Rizon's liability for fraud, gross negligence, or any liability that cannot be excluded under applicable law.

These Promotional T&Cs are governed by the laws applicable to each User's jurisdiction of residence to the extent required by local consumer protection regulations. Where no mandatory local law applies, these Promotional T&Cs shall be governed by and construed in accordance with the laws applicable to Rizon Global Inc's principal place of business.

Any dispute arising out of or in connection with a Promotion that cannot be resolved through Rizon's standard customer support process shall be subject to the exclusive jurisdiction of the courts competent under applicable law.

For questions about these Promotional T&Cs or any active Promotion, please contact Rizon support via the in-app chat or visit the Help Centre at https://intercom.help/rizon/en