Website Terms of Use

1. Introduction

Welcome to Rewards Pilot. These Website Terms of Use ("Terms") govern your access to and use of the Rewards Pilot website, customer portal and any associated products or services ("Website"). By accessing this Website, registering for an account or using any Rewards Pilot services, you confirm that you have read, understood and agree to be legally bound by these Terms. If you do not agree with these Terms, you must not use this Website.

2. Definitions

Throughout these Terms:

"Account" means your Rewards Pilot online customer account.

"Avios" means the reward points credited under the Rewards Pilot Rewards Programme.

"Business" means the company, partnership, LLP, sole trader or other legal entity using the Services.

"Customer", "You" and "Your" means the business registering with Rewards Pilot.

"Qualifying Spend" means eligible expenditure which qualifies to receive Avios under the Rewards Programme.

"Rewards Pilot", "We", "Us" and "Our" means YTY LTD (company number 11880920), trading as Rewards Pilot, together with its employees, officers, directors, affiliates and authorised partners.

"Services" means all products and services supplied by Rewards Pilot.

3. Eligibility

The Services are available only to businesses. By registering you warrant that:

• you are at least 18 years old;
• you have authority to bind the business;
• all information supplied is accurate;
• you will keep your information up to date;
• your business complies with all applicable laws.

We reserve the right to refuse any application without providing a reason.

4. Registration

When registering you agree to provide:

• Business name
• Company number (where applicable)
• VAT number (where applicable)
• Registered address
• Trading address
• Contact details
• Director information
• Identification documents
• Any additional information requested during onboarding.

Failure to provide accurate information may result in suspension or closure of your account.

5. Identity Verification

Rewards Pilot reserves the right to carry out identity verification, Know Your Customer (KYC), Anti-Money Laundering (AML), fraud prevention and sanctions screening checks. You agree to provide any documentation reasonably requested. Failure to do so may result in delayed onboarding or termination of Services.

6. Account Creation Authority

By registering with Rewards Pilot you expressly authorise Rewards Pilot and its authorised partners to:

• establish payment accounts;
• establish virtual payment accounts;
• create wallets;
• create merchant accounts;
• create payment facilities;
• create associated customer records;
• share information with regulated payment providers solely for the purpose of providing the Services.

You understand that these accounts may be created in your business name where required by the payment provider.

7. Rewards Pilot Service

Rewards Pilot provides businesses with access to payment solutions designed to generate reward points on qualifying expenditure. The Services may include:

• Corporate payment cards
• Virtual payment cards
• Payment accounts
• Expense management
• Reward tracking
• Payroll payment integration
• Third-party financial technology integrations

Rewards Pilot may add, amend or remove Services at any time.

8. Fees

There is currently no subscription fee for using Rewards Pilot. Rewards Pilot may receive commission from participating service providers and commercial partners. Where any Rewards Pilot fee is payable, VAT will apply where required by law.

9. Rewards Programme

Subject to eligibility, Customers will receive: 3 Avios for every £1 of qualifying expenditure calculated on the net amount excluding VAT. Rewards are credited after qualifying transactions have successfully completed and been verified. Rewards Pilot reserves the right to delay, reverse or remove Avios where:

• transactions are refunded;
• chargebacks occur;
• fraud is suspected;
• payments fail;
• eligibility requirements are not met.

Avios have no cash value unless expressly stated. Rewards may not be transferred except where permitted by Rewards Pilot.

10. Qualifying Spend

Qualifying expenditure may include, but is not limited to:

• Business purchases
• Marketing
• Advertising
• Stock purchases
• HMRC payments
• Supplier payments
• Approved business expenses

Rewards Pilot reserves the right to determine whether any transaction qualifies. Certain merchant categories, financial transactions or prohibited activities may be excluded.

11. Customer Obligations

You agree to:

• use the Services lawfully;
• maintain accurate records;
• protect your login credentials;
• notify us immediately of unauthorised access;
• ensure sufficient funds are available before making payments;
• comply with all applicable laws and regulations.

You must not:

• misuse the Services;
• submit false information;
• use Rewards Pilot for money laundering;
• breach sanctions legislation;
• infringe intellectual property rights;
• attempt unauthorised access to our systems.

12. Intellectual Property

All content on this Website including branding, software, graphics, text, databases, designs, logos and documentation remains the exclusive property of Rewards Pilot or its licensors. No licence is granted except to use the Website for its intended purpose.

13. Customer Portal

Upon successful registration, you will receive secure login credentials for your Rewards Pilot Customer Portal. The portal allows you to:

• View your rewards balance.
• Monitor qualifying transactions.
• Track Avios earned.
• Access account information.
• View statements and notifications.
• Access associated Rewards Pilot services.

You are responsible for all activity carried out using your login credentials. You must notify Rewards Pilot immediately if you suspect your account has been compromised.

14. Security

Rewards Pilot employs commercially reasonable security measures to protect customer information. However, you acknowledge that:

• no online system is completely secure;
• internet transmissions may be interrupted;
• third-party providers may suffer outages.

You agree to take reasonable precautions to protect your passwords, devices and authentication methods.

15. Third Party Providers

Rewards Pilot works with various third-party providers including banks, payment institutions, payment processors and technology partners. You acknowledge that certain services are provided by independent third parties and may also be subject to their own terms and conditions. Rewards Pilot is not responsible for:

• banking outages;
• payment processor downtime;
• third-party software failures;
• delays caused by financial institutions;
• failures outside our reasonable control.

16. Availability

Although we aim to make the Website available 24 hours a day, we do not guarantee uninterrupted availability. The Website may occasionally become unavailable due to:

• maintenance;
• software upgrades;
• security updates;
• banking maintenance;
• telecommunications failures;
• cyber attacks;
• events beyond our reasonable control.

17. Accuracy of Information

Whilst we endeavour to ensure all information published on the Website is accurate, Rewards Pilot does not warrant that:

• all information is error free;
• all information is current;
• the Website will always be free from bugs;
• all content will remain available.

Information provided on this Website does not constitute legal, tax, financial or accounting advice. Customers should obtain independent professional advice where appropriate.

18. Suspension

Rewards Pilot may immediately suspend access where we reasonably believe:

• fraudulent activity has occurred;
• incorrect information has been supplied;
• your account presents a financial crime risk;
• there has been a breach of these Terms;
• required compliance information has not been provided;
• continued operation would expose Rewards Pilot or its partners to unacceptable risk.

Suspension may occur without prior notice where necessary to protect customers, partners or the integrity of the Services.

19. Termination

Either party may terminate these Terms by giving written notice. Rewards Pilot may terminate your account immediately where:

• fraud is identified;
• illegal activity is suspected;
• false information has been supplied;
• these Terms have been materially breached;
• we are required to do so by law or a regulator.

Termination shall not affect any accrued rights or liabilities.

20. Limitation of Liability

To the fullest extent permitted by law, Rewards Pilot shall not be liable for:

• indirect loss;
• consequential loss;
• loss of profit;
• loss of goodwill;
• loss of opportunity;
• loss of anticipated savings;
• loss arising from delays by banks or payment providers;
• internet failures;
• telecommunications failures;
• force majeure events.

Nothing within these Terms excludes liability for:

• fraud;
• fraudulent misrepresentation;
• death or personal injury caused by negligence;
• any liability which cannot legally be excluded.

21. Indemnity

You agree to indemnify and keep indemnified Rewards Pilot, its directors, employees, contractors and partners against any loss, damage, liability, cost or expense arising from:

• your misuse of the Services;
• breach of these Terms;
• breach of applicable laws;
• inaccurate information supplied by you;
• claims brought by third parties arising from your actions.

22. Intellectual Property

All intellectual property rights in the Website, Rewards Pilot brand, software, logos, graphics, documentation, content, databases and systems remain the exclusive property of Rewards Pilot or its licensors. Nothing contained within these Terms grants ownership of any intellectual property.

23. Confidentiality

Both parties agree to keep confidential all commercially sensitive information obtained during the course of the relationship unless disclosure is:

• required by law;
• required by a competent authority;
• necessary to provide the Services;
• authorised by the other party.

24. Data Protection

Rewards Pilot processes personal data in accordance with UK data protection legislation. Full details are contained within our Privacy Policy. By using the Services you consent to the processing of personal information necessary to provide the Services.

25. Cookies

The Website uses cookies and similar technologies. Details of how cookies are used are contained within our Cookie Policy.

26. Changes to these Terms

Rewards Pilot reserves the right to amend these Terms at any time. Updated Terms will become effective once published on the Website. Continued use of the Services constitutes acceptance of the revised Terms.

27. Force Majeure

Rewards Pilot shall not be liable for any delay or failure resulting from events beyond its reasonable control including but not limited to:

• acts of God;
• flood;
• fire;
• war;
• terrorism;
• pandemic;
• cyber attack;
• utility failures;
• banking system failures;
• industrial disputes;
• government action.

28. Governing Law

These Terms shall be governed by and interpreted in accordance with the laws of England and Wales. Any dispute shall be subject to the exclusive jurisdiction of the courts of England and Wales.

29. Contact

Questions regarding these Terms should be directed to: YTY LTD trading as Rewards Pilot Email: info@rewardspilot.co.uk Website: www.rewardspilot.co.uk

30. Entire Agreement

These Terms constitute the entire agreement between Rewards Pilot and the Customer relating to use of the Website and supersede any previous discussions or understandings relating to the Website.