CRYPTO REWARDS PROGRAM TERMS AND CONDITIONS

For Residents of the United States

Version 1.1 – 12 July 2022

The Crypto Rewards Program (“Program”) is offered by Curve US, Inc. and allows eligible and participating Curve Card customers to earn rewards denominated in select crypto currencies (“Crypto Rewards”) as described below subject to these Program Terms and Conditions ("Terms and Conditions"), the Cardholder Agreement, the Curve Terms of Use, the Zero Hash User Agreement, and the Zero Hash Terms listed below. These Terms and Conditions set forth the terms and conditions under which Curve (“Curve” or “we”) makes the Program available to you, as a participating customer (“you”), through Zero Hash. Crypto currency services and accounts are provided by Zero Hash Liquidity. Zero Hash does not support crypto currency services and accounts in all jurisdictions. Crypto Rewards earned through the Program are funded by Curve. Curve does not engage in any cryptocurrency services, including exchange, transfer, or custody. All cryptocurrency transactions are conducted by Zero Hash. In the United States, the Curve Card is issued by Hatch Bank.

By participating in the Program, you acknowledge that you have read, understand, and agree to be bound by the following terms and conditions:

How You Earn Rewards. Crypto Rewards is an alternative manner for you to earn your Rewards with Curve. At various times, Curve may offer Reward Promotions, and by enrolling into Crypto Rewards you agree to earn those Rewards in cryptocurrency. You expressly agree to the Reward Terms and Conditions, which are incorporated into the Crypto Reward Terms and Conditions by reference, that may be in place and can be found here. Curve may discontinue the Crypto Rewards Program or make any other changes to the Crypto Rewards Program at our sole discretion. You will have the option to choose available tokens listed in the app to earn your Crypto Rewards. You can change your token selection at any time. You will be required to open an account with Zero Hash through the Curve app. Your account with Zero Hash will be credited with your Crypto Reward within one (1) business day after it is earned. Zero Hash will hold the Crypto Reward in your Zero Hash Account subject to the Zero Hash User Agreement and/or Zero Hash Terms and Conditions.
How Rewards can be Redeemed. You will be able to execute a sale of your cryptocurrency through the Curve app. Curve will instruct Zero Hash to sell the cryptocurrency at its value at the time of the sale instruction. You may elect to have the proceeds of the sale returned to Curve. Curve will then issue you with an equivalent amount of Curve Cash Points, which will be credited to your Curve Cash card and can be spent using your Curve Card. You may also move your cryptocurrency from Zero Hash subject to the Zero Hash User Agreement. Curve Cash Points have no monetary value and are converted to fiat only at the point you spend them with your Curve card. Curve Cash Points cannot be withdrawn as or redeemed for cash and cannot be transferred from your Curve Cash card. You agree and understand that Curve Cash is forfeited if you close your Curve Account or if your Curve Account is closed as per the Curve Credit Card Agreement.
Fee on redemption. If you choose to redeem your Crypto Reward, we may deduct a fee up to 2.49% on the total amount redeemed. If a fee will be applied, we will inform you before any redemption is processed. This is in addition to any fees or charges that Zero Hash may apply to you, as set out in the Zero Hash User Agreement and Zero Hash Terms.
Changes to the Program. Curve may revise these Terms and Conditions from time to time. You will be notified, when required, and the revised version will be effective at the time it is posted on this webpage, unless otherwise noted.
Closing Your Account. If your Curve Account is closed for any reason, you will no longer earn Crypto Rewards and you will be subject solely to the Zero Hash User Agreement. Neither Curve, nor Hatch Bank, are responsible for any account that you hold directly with Zero Hash.
How You Could Lose Your Rewards. Curve may, in its sole discretion, decline to issue rewards (whether or not accrued) for Curve Card accounts which Curve reasonably believes were obtained by fraud or suspected fraud, misuse, abuse, return, refund, or reversal. In addition, if Crypto Rewards have already been credited to your Zero Hash account, Curve may, in its sole discretion either (i) void such prior purchase, or (ii) offset such paid rewards against future rewards you earn, based on Curve’s determination of fraud or suspected fraud, misuse or abuse on your Curve Card account. You hereby expressly authorize Curve to recall or reverse any cryptocurrency purchase that was made in violation of this Section 8.
Warranty Disclaimer; Limitation of Liability. The Program and any Program content is provided “as is.” Hatch Bank, Curve, and their respective affiliates, directors, officers, employees, agents or contractors (together, “Curve Parties”) make no representations or warranties concerning the Program or any Program content, either express or implied, including, without limitations, warranties of title, merchantability, fitness for intended use or a particular purpose, non-infringement, and otherwise arising by law, custom, usage, trade practice, course of dealing or course of performance. The Curve Parties do not warrant that the functionality or availability of the Program and any Program content will be uninterrupted or error-free, that defects will be corrected, or that they will be free of viruses or other harmful components. Further, Curve does not warrant, guarantee or make any representations regarding the quality of, or accuracy of advertisements for, any products or services offered or provided by Zero Hash or other partners or vendors in conjunction with the Program. You release Curve Parties for all activity in connection with the Program, including but not limited to, any use of the Program or the rewards. For the avoidance of doubt, Curve Parties shall not be liable for any damages, losses, liabilities, settlements and expenses (including, without limitation, costs and attorneys’ fees), arising in connection with any claim, suit, proceeding, or other action arising out of or related to Zero Hash User Agreements or Terms, your use of Zero Hash’s services or accounts, your activities or transactions through Zero Hash or any risks inherent thereto, or your relationship with Zero Hash, in each case whether arising out of or related to breach of contract, tort (including negligence) or otherwise.
If you attempt to circumvent these Terms, including by creating multiple accounts, your participation in the Crypto Reward Program will be suspended and your Curve account may be suspended or closed.
Risk Disclosures.

There are risks associated with crypto currency. Cryptocurrency is not insured by the Federal Deposit Insurance Corporation, the Securities Investor Protection Corporation or any other public or private insurer. There is no guarantee, or insurance, against cyber theft or theft by other means. Cryptocurrency activity is not a regulated activity in many states. The value of cryptocurrency, or any chosen token, may be volatile and unpredictable, which can result in significant losses in a short time. You may lose all value of your earned Crypto Rewards. The price and liquidity of cryptocurrency has been subject to large fluctuations and may continue to experience large fluctuations. Buying or selling cryptocurrency is inherently risky, and you should consider the risks before deciding to buy or sell cryptocurrency, including participating in the Program. Curve does not provide investment, tax, or legal advice in respect of cryptocurrencies. You must determine if any particular cryptocurrency transaction is appropriate for you or consult with a financial advisor. For more information on risks please refer to the Zero Hash User Agreement and Zero Hash Terms.

Curve disclaims all liability relating to price fluctuations in the rewards, and makes no guarantees regarding the security, functionality or availability of the Program.

You accept all risks associated with the use of the Program being associated with cryptocurrency, and any failures that might result thereof, including but not limited to, in connection with the failure of hardware, software and internet connections.

You expressly agree that Curve is not responsible for any fluctuations in price fluctuations of cryptocurrency or any particular token you chose to purchase.

Cryptocurrency transactions are irreversible, and accordingly losses due to fraudulent or accidental transactions may not be recoverable. Cryptocurrency is not legal tender and is not backed by a government or central bank and accounts and value balances are not subject to FDIC or other protections, and as such there is no protection to cover any losses associated with cryptocurrency. Regulatory changes at the state, federal, or international levels may adversely affect the use, transfer, exchange, and value of cryptocurrency. A particular token is a public ledger blockchain maintained by a vast unidentified private computer network spread around the world and choosing to participate in cryptocurrency is at your own risk and understanding of this network. The nature of cryptocurrency may lead to an increased risk of fraud or cyberattack even with strong security settings. Your bank accounts are at increased risk of being hacked to the extent linked to cryptocurrency accounts. The nature of cryptocurrency means that any technological difficulties experienced by the Program may prevent the access or use of a customer's cryptocurrency. Some cryptocurrency transactions shall be deemed to be made when recorded on a public ledger, which is not necessarily the date or time that you have initiated the transaction. The volatility and unpredictability of the price of cryptocurrency relative to Fiat Currency may result in significant loss over a short period of time. The value of cryptocurrency may be derived from the continued willingness of market participants to exchange Fiat Currency for cryptocurrency, which may result in the potential for permanent and total loss of value.

Termination of Program. These Terms and Conditions are effective upon your enrollment in the Program and will remain in effect until termination of your related Cardholder Agreement. Upon any termination of the Program, your right to use and access the Program will end. Termination will not prejudice either your or Curve’s remedies at law or in equity.
Tax; Tax Documentation. YOU ARE SOLELY RESPONSIBLE FOR ANY TAX LIABILITY, INCLUDING ANY REPORTING OR DOCUMENT FILING REQUIREMENTS OF TAX AUTHORITIES, THAT MAY ARISE AS A RESULT OF YOUR PARTICIPATION IN THE PROGRAM. DISPOSAL OF CRYPTOCURRENCY MAY RESULT IN CAPITAL GAINS TAX LIABILITIES AND/OR OTHER TAX LIABILITIES DEPENDING ON THE LAWS OF THE JURISDICTION THAT APPLY TO YOU.

Curve is not liable or responsible for the reporting or declaration of any tax liability which may be deemed to arise as a result of your participation in the Program. We recommend you obtain personal tax advice in respect of any such liability.

Please refer to the Zero Hash User Agreement and Zero Hash Terms for more information on tax and tax documentation matters.