Acceptable Use Policy

1. Purpose

The purpose of this Policy is to ensure the Rewards Pilot platform is used lawfully, fairly and securely while protecting our customers, payment partners and the wider financial system.

2. Compliance with Laws

Customers must comply with all applicable:

• UK legislation;
• anti-money laundering laws;
• sanctions regulations;
• tax laws;
• payment regulations;
• fraud prevention legislation;
• data protection legislation.

Customers are responsible for ensuring their own legal and regulatory compliance.

3. Permitted Use

The Services may only be used for genuine business purposes. Examples include:

• supplier payments;
• payroll funding (where available);
• HMRC payments;
• stock purchases;
• advertising;
• software subscriptions;
• travel expenses;
• operational business expenditure;
• other legitimate commercial payments.

4. Prohibited Activities

Customers must not use the Services for:

• money laundering;
• terrorist financing;
• tax evasion;
• fraud;
• identity theft;
• bribery or corruption;
• financing criminal activity;
• sanctions evasion;
• deceptive or misleading activity;
• unlawful gambling;
• illegal goods or services;
• child exploitation;
• hate crime;
• cybercrime;
• phishing;
• ransomware;
• malware distribution.

5. Card Misuse

Customers must not:

• artificially create transactions to earn rewards;
• repeatedly refund transactions to generate Avios;
• cycle funds between connected businesses;
• use personal expenditure as business expenditure;
• split transactions to avoid limits;
• manipulate merchant categories.

6. Fraud Prevention

Customers agree that Rewards Pilot may:

• monitor transactions;
• investigate suspicious activity;
• request additional documentation;
• temporarily suspend payments;
• freeze rewards;
• report suspicious activity to relevant authorities where legally required.

7. Identity Verification

Customers must provide accurate identification information whenever requested. Providing false documentation may result in immediate account closure.

8. Security

Customers agree to:

• protect passwords;
• enable multi-factor authentication where available;
• prevent unauthorised access;
• immediately report compromised accounts.

9. Website Use

Users must not:

• attempt to hack the website;
• upload malicious software;
• interfere with system security;
• scrape website data without permission;
• reverse engineer software;
• overload the platform using automated systems.

10. Intellectual Property

Users must not reproduce, distribute or commercially exploit any Rewards Pilot intellectual property without prior written consent.

11. Monitoring

Rewards Pilot reserves the right to monitor:

• transactions;
• website usage;
• account activity;
• login history;
• reward activity;
• fraud indicators.

Monitoring is carried out for security, legal compliance and service improvement.

12. Suspension

Rewards Pilot may suspend accounts immediately where it reasonably believes:

• this Policy has been breached;
• fraud is suspected;
• financial crime risk exists;
• regulatory obligations require suspension.

13. Termination

Repeated or serious breaches may result in:

• permanent account closure;
• cancellation of rewards;
• reporting to regulators or law enforcement where appropriate;
• recovery of losses suffered by Rewards Pilot.

14. Changes to this Policy

Rewards Pilot may amend this Policy from time to time. Material changes will be published on the website and will take effect upon publication unless otherwise stated.

15. Contact

Questions regarding this Policy should be sent to: YTY LTD trading as Rewards Pilot Email: compliance@rewardspilot.co.uk Website: www.rewardspilot.co.uk