Terms of Service

1. Introduction

Welcome to Bosse Value Network (“BVN,” “Company,” “we,” “our,” or “us”). BVN is a digital rewards and loyalty platform that enables businesses to purchase reward point packages and distribute reward points to eligible customers through promotional campaigns, customer loyalty initiatives, referrals, incentives, and other approved business programs. Individuals may receive, hold, transfer, and, where permitted, convert eligible reward points into BVN Credits. Subject to eligibility requirements, identity verification, fraud screening, and applicable platform policies, users may request redemption of eligible BVN Credits. BVN is designed to facilitate customer engagement and business loyalty programs. BVN is not a bank, money transmitter, investment platform, securities exchange, cryptocurrency exchange, or deposit-taking institution. Reward Points and BVN Credits are platform-based loyalty instruments governed solely by these Terms of Service and applicable platform policies. By accessing or using the BVN platform, website, mobile applications, APIs, or any related services, you agree to comply with these Terms of Service and all incorporated policies. If you do not agree to these Terms, you must not access or use the BVN platform.

2. Definitions

For purposes of these Terms, the following definitions apply: Account means a registered BVN user profile used to access the platform. Business Account means an account established by a business entity for purchasing reward point packages, managing campaigns, or administering employees or locations. Merchant means a participating business authorized to purchase, issue, or distribute BVN Reward Points. Reward Points are digital loyalty units issued through the BVN platform under the rules established by BVN. Reward Points are promotional rewards only and do not represent legal tender, deposits, stored value, securities, or ownership interests. BVN Credits are platform credits created when eligible Reward Points are converted under the current published conversion methodology. Credits may become eligible for redemption subject to these Terms and applicable policies. Wallet means the digital balance maintained within a user’s BVN account for Reward Points and BVN Credits. Redemption means a request by an eligible user to redeem qualifying BVN Credits in accordance with BVN’s Redemption Policy. Subscription Plan means a recurring membership that provides enhanced features, benefits, limits, or reduced fees. KYC means Know Your Customer verification procedures used to verify user identity. AML means Anti-Money Laundering compliance measures designed to detect and prevent financial crime. Platform means all BVN-operated websites, mobile applications, APIs, software, and related services.

3. Eligibility

3.1 Minimum Eligibility Requirements

To create or maintain a Bosse Value Network (“BVN”) account, you represent and warrant that you satisfy all eligibility requirements established by BVN. By creating an account, you certify that:

• You are legally permitted to enter into a binding contract under the laws of your

jurisdiction.

• You have provided accurate, complete, and truthful information during registration.
• You will promptly update your information if it changes.
• You are using the BVN platform for lawful purposes only.
• Your use of the platform does not violate any applicable law, regulation, court order, or

governmental restriction. BVN reserves the right to request documentation demonstrating continued eligibility at any time.

3.2 Geographic Availability

BVN services may not be available in every country, territory, or jurisdiction. Certain products, features, subscriptions, reward programs, conversions, transfers, and redemptions may be restricted based on:

Local laws Regulatory requirements Payment processor limitations Sanctions programs Fraud risk Operational availability

BVN may add or remove supported jurisdictions without prior notice.

3.3 Age Requirements

Unless otherwise required by local law:

• Users must be at least 18 years of age to independently create a BVN account.
• Individuals under the age of 18 may only participate where expressly permitted and with

any legally required parental or guardian consent. BVN may require age verification before enabling certain platform features.

3.4 Business Eligibility

Businesses registering with BVN represent that:

They are legally organized and in good standing. They possess all licenses required to operate their business. The individual creating the account has authority to bind the business. Information submitted during onboarding is accurate and complete.

BVN may require additional verification before activating business accounts.

3.5 Identity Verification

Certain platform features—including point conversions, transfers, withdrawals, higher transaction limits, merchant services, or enterprise functionality—may require successful completion of identity verification (Know Your Customer or “KYC”). Verification requirements may include:

Government-issued identification Proof of address Date of birth Selfie or biometric verification Business formation documents Tax identification information Other information reasonably requested by BVN or its verification providers

Failure to complete required verification may result in limited account functionality.

3.6 Restricted Persons

You may not use BVN if you:

Are subject to economic or trade sanctions. Appear on applicable government restricted-party lists. Are prohibited by law from using our services. Attempt to conceal your identity or jurisdiction. Provide false or misleading information.

• Have previously been permanently suspended from BVN without written authorization to

return. BVN reserves the right to deny service where required by law or where continued access presents an unacceptable legal, compliance, operational, or fraud risk.

3.7 Ongoing Eligibility

Eligibility is an ongoing requirement. BVN may periodically review account activity to determine whether a user continues to satisfy these eligibility standards. If a user no longer meets the requirements, BVN may:

Restrict certain features Request updated documentation Place temporary holds on transactions Suspend or terminate the account in accordance with these Terms

4. Acceptance of Terms

4.1 Agreement to These Terms

By accessing, browsing, registering for, or using any portion of the BVN platform, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service, together with any policies or guidelines incorporated by reference, including but not limited to:

Privacy Policy AML/KYC Policy Redemption Policy Refund & Cancellation Policy Acceptable Use Policy Cookie Policy Merchant Terms (where applicable) API Terms (where applicable)

These documents collectively govern your relationship with BVN.

4.2 Electronic Acceptance

You agree that checking a box, clicking “I Agree,” “Create Account,” “Sign Up,” or any similar action constitutes your electronic signature and has the same legal effect as a handwritten signature, to the extent permitted by applicable law. You also agree that electronic records, notices, and agreements satisfy any legal requirement that communications be in writing.

4.3 Continued Use

Your continued access to or use of the BVN platform after any updates to these Terms constitutes acceptance of the revised Terms. If you do not agree to any changes, you must discontinue use of the platform.

5. Changes to These Terms

5.1 Right to Modify

Bosse Value Network (“BVN”) reserves the right to modify, update, amend, replace, or discontinue these Terms of Service at any time to reflect:

Changes in applicable laws or regulations New products or services Platform enhancements Security improvements Fraud prevention measures Business operations Industry best practices Payment processor requirements Compliance obligations

Updated versions become effective on the date specified within the revised Terms unless otherwise required by applicable law.

5.2 Notice of Changes

When practical, BVN will provide notice of material changes through one or more of the following methods:

Email Platform notifications Website announcements Mobile application notifications Dashboard alerts

Minor editorial revisions or non-material updates may be made without separate notice.

5.3 User Responsibility

You are responsible for reviewing the most current version of these Terms before continuing to use the Platform. Continued use of BVN after updated Terms become effective constitutes acceptance of the revised Terms. If you do not agree to the revised Terms, you must immediately discontinue use of the Platform.

5.4 Emergency Updates

BVN may immediately modify these Terms without prior notice when necessary to:

Prevent fraud Protect users Comply with legal requirements Address security vulnerabilities Respond to regulatory directives Protect the integrity of the Platform

Such emergency changes shall become effective immediately unless prohibited by law.

6. Account Registration

6.1 Creating an Account

To access certain features of the Platform, you must create a BVN account. During registration, you agree to provide:

Your legal name A valid email address A secure password Date of birth (where applicable) Residential address (when required) Mobile telephone number Any additional information reasonably requested by BVN

You agree that all information submitted is accurate, current, and complete.

6.2 One Account Per Individual

Unless expressly authorized by BVN, each individual may maintain only one personal BVN account. Creating multiple accounts to:

Circumvent limits Abuse promotions Evade restrictions Manipulate rewards Commit fraud

is strictly prohibited. BVN reserves the right to merge, suspend, or permanently close duplicate accounts.

6.3 Business Registration

Businesses may create Business or Merchant Accounts by providing information such as:

• Legal business name
• Business registration documents
• Employer Identification Number (EIN) or other applicable tax identification

Authorized representative information Business address Contact information Banking or payout information, where applicable

BVN may request additional documentation before activating business services.

6.4 Verification of Information

BVN may verify information provided during registration through trusted third-party service providers. Verification may include:

Identity verification Address verification Email confirmation Phone verification Business verification Sanctions screening Fraud risk assessment

Failure to successfully complete verification may result in limited or denied access to certain services.

6.5 Account Approval

Submitting an application does not guarantee approval. BVN reserves the right to approve, deny, or delay any registration based on factors including:

Compliance requirements Fraud risk Security concerns Incomplete documentation Regulatory obligations Operational considerations

BVN is not obligated to disclose the specific reasons for denying an application where doing so could compromise security or legal compliance.

6.6 Account Maintenance

You agree to keep your account information accurate and up to date. If any information changes—including your legal name, address, email, phone number, or business information—you agree to promptly update your account. Failure to maintain accurate information may result in delays, restrictions, or suspension of services.

6.7 Account Ownership

The BVN account remains licensed for your personal or authorized business use only. Accounts may not be:

Sold Transferred Assigned Shared Leased Licensed to another individual or entity

without BVN’s prior written consent.

6.8 Right to Refuse Service

BVN reserves the right to refuse registration or access to any person or entity where doing so is reasonably necessary to:

Protect the Platform Comply with applicable law Prevent fraud Protect other users Safeguard BVN’s business interests

7. Identity Verification (KYC)

7.1 Purpose

To maintain a secure and compliant platform, Bosse Value Network (“BVN”) may require users to complete identity verification (“Know Your Customer” or “KYC”) before accessing certain services. KYC procedures help BVN:

Prevent fraud and identity theft Comply with applicable laws and regulations Protect users and merchants Meet the requirements of payment processors and financial service providers Reduce financial crime and abuse

7.2 When Verification May Be Required

BVN may require identity verification before allowing a user to:

Convert Reward Points into BVN Credits Redeem BVN Credits Exceed transaction or account limits Upgrade to certain subscription plans Register a business or merchant account Receive large point distributions Appeal account restrictions Use features that BVN determines require additional verification

BVN reserves the right to require verification at any time based on account activity, risk assessments, or legal obligations.

7.3 Verification Information

Users may be asked to provide one or more of the following:

Full legal name Date of birth Residential address Government-issued photo identification Selfie or biometric verification Telephone number Email verification Tax identification information where required Proof of address Business formation documents (for business accounts) Any additional documentation reasonably requested to verify identity

7.4 Third-Party Verification Providers

BVN may use trusted third-party service providers to assist with identity verification, sanctions screening, fraud detection, and compliance reviews. By using the Platform, you authorize BVN to securely share the information necessary to complete these verification processes in accordance with our Privacy Policy.

7.5 Failure to Verify

If identity verification cannot be completed successfully, BVN may:

Restrict account functionality Delay transactions Deny conversions or redemptions Reduce account limits Suspend or terminate the account Request additional documentation

BVN is not obligated to approve an account solely because a verification attempt has been submitted.

7.6 Ongoing Monitoring

Identity verification is not a one-time event.

BVN may request updated verification information periodically or whenever account activity indicates additional review is appropriate.

7.7 False Information

Providing false, misleading, altered, stolen, or fraudulent identification documents or information is strictly prohibited. BVN may immediately suspend or permanently terminate any account involved in identity fraud or misrepresentation and may report such activity to the appropriate authorities where required by law.

8. User Responsibilities

8.1 Responsible Use

Users are responsible for using the BVN Platform in a lawful, honest, and responsible manner. You agree to:

Follow all applicable laws and regulations. Comply with these Terms and all related BVN policies. Use the Platform only for legitimate purposes. Maintain accurate account information. Protect your account credentials. Promptly report unauthorized access or suspicious activity.

8.2 Account Security

You are solely responsible for:

• Maintaining the confidentiality of your username and password.
• Restricting access to your account.
• All activities that occur under your account unless caused by BVN’s negligence.

If you believe your account has been compromised, you must notify BVN immediately.

8.3 Accurate Information

You agree that all information you provide to BVN will be:

Accurate Complete Current Truthful

You must promptly update your account if your personal or business information changes.

8.4 Compliance with Platform Rules

Users agree not to:

Circumvent platform restrictions. Exploit software bugs or vulnerabilities. Interfere with other users. Attempt unauthorized access to systems or data. Reverse engineer or disrupt the Platform. Use automated tools, bots, or scripts without BVN’s written authorization.

8.5 Responsibility for Transactions

Users are responsible for reviewing all transactions before submitting them. Once a transaction has been completed, it may not be reversible except where required by law or expressly permitted by BVN policies.

8.6 Cooperation with Investigations

Users agree to cooperate with reasonable requests related to fraud investigations, compliance reviews, chargeback disputes, or legal inquiries. Failure to cooperate may result in temporary or permanent restrictions on the account.

8.7 Violations

Failure to comply with these User Responsibilities may result in:

Warning notices Temporary account restrictions Transaction holds Loss of certain platform privileges Suspension Permanent account termination Referral to law enforcement or regulatory authorities where required

9. Business Accounts

9.1 Purpose of Business Accounts

Business Accounts are intended for legally registered organizations that use Bosse Value Network (“BVN”) to purchase reward point packages, operate customer loyalty programs, recognize employees, distribute promotional rewards, or participate in other authorized business initiatives. Business Accounts may access features that are not available to personal accounts, including merchant tools, reporting, campaign management, multiple authorized users, and enterprise services.

9.2 Eligibility

To open a Business Account, the applicant must:

Be a legally formed business or organization. Be authorized to conduct business in its jurisdiction. Provide accurate registration information. Identify an authorized representative with authority to bind the business. Successfully complete any verification required by BVN.

BVN may request additional documentation before approving or maintaining a Business Account.

9.3 Authorized Representatives

The individual creating or administering a Business Account represents and warrants that they have legal authority to act on behalf of the business. BVN may rely upon instructions provided by authorized administrators unless notified otherwise in writing.

9.4 Business Responsibilities

Businesses agree to:

Maintain accurate business information. Secure administrator credentials. Monitor employee access. Comply with applicable laws and regulations. Ensure Reward Points are distributed only through legitimate business activities. Cooperate with compliance reviews and fraud investigations.

9.5 Multiple Administrators

Business Accounts may permit multiple authorized administrators. The primary administrator is responsible for:

Managing administrator permissions. Adding or removing authorized users. Reviewing account activity. Maintaining internal security controls.

BVN is not responsible for disputes between administrators or employees regarding account access.

9.6 Employee Access

Businesses are responsible for ensuring that employees or contractors granted access to the Platform act in accordance with these Terms. Businesses remain liable for actions performed by individuals using their Business Account credentials.

9.7 Account Reviews

BVN may periodically review Business Accounts to ensure continued compliance with:

Platform policies Fraud prevention requirements Applicable laws Payment processor obligations Risk management standards

9.8 Business Account Suspension

BVN may temporarily restrict or permanently suspend a Business Account if:

False information was provided. Fraudulent activity is detected. Payment obligations are not satisfied. Applicable laws are violated. Continued operation presents an unreasonable compliance or security risk.

10. Merchant Accounts

10.1 Merchant Program

Merchant Accounts allow approved businesses to purchase BVN Reward Point packages and distribute those points to eligible customers through approved promotional and loyalty programs. Merchant participation is subject to approval by BVN.

10.2 Merchant Responsibilities

Merchants agree to:

Accurately represent BVN programs to customers. Comply with all marketing guidelines issued by BVN. Avoid deceptive, misleading, or unlawful promotional practices. Maintain accurate transaction records where required. Cooperate with audits, compliance reviews, and fraud investigations.

10.3 Purchase of Reward Point Packages

Merchants may purchase Reward Point packages through approved payment methods. All purchases are subject to:

Available inventory. Platform pricing. Payment authorization. Fraud screening. Compliance review.

BVN reserves the right to reject or cancel any order where fraud, error, or policy violations are suspected.

10.4 Distribution of Reward Points

Merchants may distribute Reward Points only through legitimate business activities, including:

Customer loyalty programs. Promotional campaigns. Product or service incentives. Referral programs. Employee recognition programs. Other programs approved by BVN.

Reward Points may not be sold, exchanged for cash outside the Platform, or distributed for unlawful purposes.

10.5 Marketing Requirements

Merchants shall accurately describe BVN Reward Points and shall not:

Guarantee redemption values. Promise fixed cash amounts. Misrepresent platform functionality. Suggest that BVN Reward Points constitute legal tender, investments, deposits, or insured financial products.

All promotional materials referencing BVN may be subject to review by BVN.

10.6 Merchant Compliance Reviews

BVN may conduct periodic reviews of Merchant Accounts to verify compliance with:

Marketing standards. Fraud prevention requirements. Payment processor policies. Applicable laws. Platform rules.

Merchants agree to provide requested documentation within a reasonable timeframe.

10.7 Merchant Suspension or Removal

BVN may suspend or terminate Merchant Accounts where:

Fraud is suspected. Marketing practices are misleading. Chargeback activity becomes excessive. Compliance obligations are not met. Continued participation creates unacceptable operational or legal risk.

Termination may result in the cancellation of pending Reward Point distributions or other Platform privileges.

11. Enterprise Accounts

11.1 Enterprise Services

Enterprise Accounts are designed for larger organizations requiring advanced capabilities, including:

Multi-location management. Department-level administration. Bulk Reward Point issuance. Advanced analytics and reporting. API integrations. Dedicated account support. Custom service agreements.

Enterprise services may be governed by additional written agreements between BVN and the customer.

11.2 Organization Management

Enterprise administrators may assign roles and permissions to authorized users. Organizations are responsible for ensuring that access is granted only to individuals with legitimate business needs.

11.3 Custom Agreements

Enterprise customers may enter into separate agreements governing:

Pricing. Service levels. Technical integrations. Data processing. Security requirements. Support commitments.

Where a separate signed agreement conflicts with these Terms, the signed agreement will control only with respect to the specific Enterprise services covered.

11.4 Right to Audit

Where permitted by law and applicable agreements, BVN reserves the right to audit Enterprise participation to verify compliance with contractual obligations, security requirements, and applicable policies.

12. Subscription Plans

12.1 Overview

BVN may offer subscription plans that provide users and businesses with enhanced features, increased account capabilities, reduced fees, priority support, and other benefits. Subscription plans are optional unless a particular service specifically requires a paid plan. Current subscription offerings may include:

• Free
• Pro
• Elite

BVN reserves the right to introduce, modify, or discontinue subscription plans at its sole discretion.

12.2 Subscription Benefits

Depending on the selected plan, benefits may include:

• Lower redemption fees

Higher monthly redemption limits Faster redemption processing Increased transfer limits Priority customer support Early access to new features Promotional Reward Point bonuses Merchant tools Business reporting features

Benefits are subject to change with reasonable notice.

12.3 Billing

Paid subscriptions automatically renew at the end of each billing cycle unless canceled before the renewal date. By subscribing, you authorize BVN or its authorized payment processor to charge the applicable subscription fee using your selected payment method.

12.4 Failed Payments

If a subscription payment cannot be processed, BVN may:

Retry the payment Suspend premium features Downgrade the account to the Free plan Cancel the subscription

Outstanding balances remain payable.

12.5 Cancellation

Users may cancel their subscription at any time. Unless otherwise required by law or expressly stated in a promotion, subscription fees are non-refundable for the current billing period.

Cancellation prevents future renewals but does not automatically generate a refund for previously paid subscription periods.

12.6 Promotional Pricing

BVN may offer promotional pricing, free trials, or discounted subscriptions. Upon expiration of any promotional period, the subscription automatically renews at the standard price unless canceled.

13. BVN Reward Points

13.1 Nature of Reward Points

BVN Reward Points are digital loyalty units issued through the Platform. Reward Points are designed solely for participation in the BVN rewards ecosystem and do not constitute:

Legal tender Currency Electronic money Bank deposits Securities Investment contracts Insurance products Stored-value accounts

Reward Points exist only within the BVN Platform and are governed exclusively by these Terms and related policies.

13.2 No Ownership Interest

Holding Reward Points does not provide any ownership interest in:

• BVN

Bosse Value Network, LLC Any affiliate Any merchant Any business participating in the Platform

Reward Points represent participation in the BVN rewards program only.

13.3 Platform Rules

Reward Points are subject to:

Issuance rules Fraud controls Transfer limits Conversion requirements Redemption eligibility Compliance reviews Platform policies

BVN may modify these rules as described in these Terms.

13.4 No Guaranteed Value

BVN does not guarantee that Reward Points will maintain any particular conversion ratio, redemption value, or future benefit. Any published conversion methodology or promotional value is subject to change in accordance with these Terms and applicable law.

13.5 Availability

BVN reserves the right to:

Issue additional Reward Points Modify point programs Introduce promotional campaigns Retire specific reward programs Suspend point issuance where necessary for operational, legal, or security reasons

14. Point Issuance

14.1 Authorized Sources

Reward Points may be issued through approved BVN programs, including:

Merchant loyalty programs Customer promotions Referral campaigns Employee recognition programs Business incentive programs Marketing campaigns Subscription benefits Promotional events approved by BVN

Users may not create, duplicate, or otherwise generate Reward Points outside of authorized Platform functionality.

14.2 Issuance Authority

Only BVN and authorized participating businesses may issue Reward Points through the Platform. Merchants receive only a limited right to distribute Reward Points in accordance with their agreement with BVN.

14.3 Errors

If Reward Points are issued due to:

Technical errors Fraud System malfunctions Unauthorized access Administrative mistakes

BVN may reverse, remove, or adjust the affected Reward Points without prior notice where permitted by law.

14.4 Promotional Campaigns

BVN may establish promotional campaigns that include:

Bonus Reward Points Limited-time incentives Seasonal promotions Partner offers Referral bonuses

Each promotion may be governed by additional terms.

15. Point Ownership

15.1 License to Use

Reward Points remain part of the BVN rewards ecosystem. Users receive a limited, revocable, non-transferable license to use Reward Points in accordance with these Terms. Nothing in these Terms transfers ownership of the BVN Platform, software, trademarks, or intellectual property.

15.2 Unauthorized Transfers

Reward Points obtained through:

Fraud Theft Account compromise System manipulation Unauthorized activity

may be removed from an account without compensation.

15.3 Death or Incapacity

Unless otherwise required by applicable law, Reward Points are not automatically transferable upon death, bankruptcy, or legal incapacity. BVN may establish procedures for handling these situations on a case-by-case basis.

15.4 Expiration

Unless a promotional program specifically provides otherwise, Reward Points do not expire solely due to the passage of time. However, BVN may remove Reward Points that were:

Issued in error Obtained fraudulently Subject to reversal under these Terms Canceled under a specific promotional program with clearly disclosed expiration rules

Perfect. This is arguably the most important chapter in the entire Terms of Service. It explains how value moves through BVN while making clear that the platform is a rewards program with controlled redemption, not a bank account or investment product. The language below should still be reviewed by legal counsel before launch.

16. Point Transfers

16.1 Transfer Eligibility

Eligible users may transfer BVN Reward Points to other eligible BVN users using the transfer features provided within the Platform. Transfers are permitted only through authorized BVN functionality.

16.2 Transfer Restrictions

BVN may limit or prohibit transfers based on:

Fraud risk Identity verification status Subscription plan Transaction history Account standing Regulatory requirements Geographic restrictions Daily, weekly, or monthly transfer limits

Transfer limits may be modified at any time.

16.3 Irrevocable Transfers

Once a transfer has been successfully completed, it is generally final. BVN may reverse or suspend a transfer only where necessary to:

Correct system errors Investigate fraud Comply with law Enforce these Terms Protect users or the Platform

16.4 Fraud Screening

All transfers are subject to automated and manual fraud monitoring. BVN reserves the right to delay, reject, suspend, or reverse transfers where suspicious activity is detected.

16.5 Prohibited Transfers

Users may not use point transfers to:

Sell points outside the Platform Launder money Circumvent redemption limits Operate unauthorized exchanges Conduct illegal activity Facilitate fraud

Violations may result in account suspension or termination.

17. Point-to-Credit Conversion

17.1 Conversion Process

Eligible Reward Points may be converted into BVN Credits through the Platform. Conversions occur according to BVN’s published conversion methodology in effect at the time the request is submitted. Completion of a conversion does not guarantee eligibility for redemption.

17.2 Eligibility Requirements

BVN may require one or more of the following before permitting conversions:

Verified account Identity verification (KYC) Account in good standing Fraud review Compliance review Minimum conversion threshold Any additional requirements established by BVN

17.3 Conversion Rate

The conversion methodology may vary over time based on factors including:

Platform policies Promotional campaigns Subscription benefits Market conditions Business operations

BVN may modify conversion methodologies prospectively by updating the applicable rules.

17.4 Finality

Once confirmed, a conversion is generally irreversible unless:

A technical error occurred. Fraud is identified. The transaction violated these Terms. Reversal is required by law.

18. Credit Wallet

18.1 Purpose

The Credit Wallet displays a user’s BVN Credits within the Platform. The Credit Wallet is an account feature provided for managing participation in the BVN rewards ecosystem.

18.2 Nature of Credits

BVN Credits:

Are digital platform credits. Exist only within the BVN Platform. Are governed by these Terms. Are not legal tender. Are not a bank deposit. Are not insured.

• Do not accrue interest.
• Do not represent an investment or ownership interest.

18.3 Wallet Information

The Credit Wallet may display:

Available Credits Pending Credits Credits under review Conversion history Redemption history Administrative adjustments

Displayed balances are subject to correction if errors, fraud, or unauthorized activity are identified.

18.4 Administrative Adjustments

BVN may increase, decrease, suspend, or correct Credit Wallet balances when necessary to:

Correct errors Reverse fraudulent activity Enforce Platform rules Comply with legal obligations

19. Credit Redemption

19.1 Redemption Requests

Eligible users may request redemption of available BVN Credits through the Platform. Submission of a redemption request does not guarantee approval or immediate payment.

19.2 Redemption Review

Each redemption request may be reviewed for:

Identity verification Fraud prevention Account standing Platform compliance Transaction history Risk assessment Applicable legal requirements

BVN may approve, deny, delay, or request additional information before completing a redemption.

19.3 Redemption Limits

BVN may establish:

Minimum redemption amounts Maximum redemption amounts Daily limits Weekly limits Monthly limits Lifetime limits Subscription-based limits

These limits may change over time.

19.4 Redemption Fees

Applicable redemption fees, if any, will be disclosed before the redemption request is submitted. Subscription plans may provide reduced redemption fees or enhanced limits.

19.5 No Guaranteed Processing Time

Although BVN strives to process approved redemption requests promptly, processing times may vary due to:

Fraud reviews Identity verification Banking delays Payment processor requirements System maintenance Regulatory obligations

20. Withdrawal Policies

20.1 Approved Withdrawals

Approved redemptions will be paid using payment methods supported by BVN from time to time. Available payment methods may change without notice.

20.2 Verification Prior to Payment

Before issuing a withdrawal, BVN may require:

Identity verification Confirmation of account ownership Additional documentation Fraud review Business rule validation

Failure to complete requested verification may delay or prevent payment.

20.3 Holds

BVN may place temporary holds on withdrawals when:

• Suspicious activity is detected

Fraud investigations are underway Duplicate accounts are identified Identity verification is incomplete Required documentation is missing Compliance obligations require additional review

20.4 Rejected Withdrawals

BVN may reject a withdrawal request if:

The account violates these Terms. The user fails identity verification. Fraud is suspected. Credits were obtained improperly. Legal or regulatory requirements prohibit payment.

Users may appeal eligible decisions under BVN’s Appeals Process.

20.5 Payment Processor Availability

Withdrawals may be completed using third-party payment providers selected by BVN. BVN does not guarantee the continued availability of any particular payment processor and may change providers at its discretion.

20.6 Taxes

Users are solely responsible for determining and satisfying any tax obligations arising from participation in the BVN Platform, except where BVN is required by law to collect, withhold, or report taxes.

21. Fees

21.1 Platform Fees

BVN may charge fees for certain products, services, subscriptions, transactions, or account features. Applicable fees may include:

Subscription fees Redemption fees Business account fees Merchant services Premium platform features API services Enterprise solutions

All applicable fees will be disclosed before the transaction is completed.

21.2 Redemption Fees

Redemption fees may vary depending on:

Subscription plan Promotional offers Redemption amount Payment method Geographic location Operational costs

BVN reserves the right to modify redemption fees with reasonable notice.

21.3 Taxes

Unless otherwise stated, published prices do not include applicable taxes. Users and businesses are responsible for paying any taxes imposed by applicable law.

21.4 Non-Refundable Fees

Except where required by law or expressly stated in a separate policy:

• Subscription fees are non-refundable.
• Processing fees are non-refundable.
• Completed service fees are non-refundable.

21.5 Pricing Changes

BVN may update pricing at any time. Price changes will not affect transactions already completed before the effective date of the updated pricing.

22. Fraud Prevention

22.1 Commitment to Platform Security

BVN is committed to maintaining a secure, trustworthy, and compliant rewards platform. To protect users, merchants, and the integrity of the Platform, BVN employs automated and manual fraud prevention measures.

22.2 Monitoring

BVN may continuously monitor account activity, including:

Login activity Device information IP addresses Reward Point activity Transfers Conversions Redemption requests Payment activity Merchant activity Administrative actions

Monitoring is conducted for security, fraud prevention, and compliance purposes.

22.3 Automated Risk Scoring

BVN may assign internal risk scores based on:

Account behavior Identity verification Device reputation Transaction history Velocity checks Geographic inconsistencies Chargeback history Other fraud indicators

Risk scores are proprietary and may not be disclosed.

22.4 Manual Review

Certain transactions may be referred to BVN’s Compliance Team for manual review before approval. Reviews may include requests for additional documentation or identity verification.

22.5 Temporary Restrictions

BVN may temporarily restrict:

Transfers Conversions Withdrawals Business purchases Merchant activity

while investigations are pending.

22.6 Cooperation

Users agree to cooperate with fraud investigations by providing requested documentation within a reasonable timeframe. Failure to cooperate may result in account restrictions or termination.

23. Restricted Activities

Users may not use BVN for any unlawful, fraudulent, or abusive purpose. Prohibited activities include, but are not limited to:

Financial Crimes

Money laundering Terrorist financing Fraud Identity theft Tax evasion Bribery Corruption

Account Abuse

Creating duplicate accounts Using false identities Selling or purchasing accounts Sharing login credentials Circumventing platform restrictions

Reward Abuse

Artificially generating Reward Points Exploiting software bugs Manipulating conversion rates Creating fake referrals

• Coordinating fraudulent campaigns
• Self-awarding Reward Points without authorization

Payment Abuse

Stolen payment methods Chargeback fraud Unauthorized payment activity Payment manipulation Circumventing payment controls

Technical Abuse Users may not:

Reverse engineer the Platform Attempt unauthorized access Introduce malware Use automated bots without authorization Interfere with Platform operations Exploit vulnerabilities

Illegal Use The Platform may not be used in connection with:

Illegal gambling Illegal drugs Human trafficking Counterfeit goods Sanctioned individuals or entities Child exploitation Any activity prohibited by applicable law

24. Suspicious Activity Reviews

24.1 Right to Investigate

BVN reserves the right to investigate any account or transaction that appears unusual, inconsistent, or potentially fraudulent.

24.2 Examples of Suspicious Activity

Examples include:

Rapid accumulation of Reward Points Unusual transfer patterns Multiple linked accounts Device inconsistencies High-risk IP addresses Frequent failed logins Excessive redemption requests Suspicious merchant behavior

These examples are illustrative and not exhaustive.

24.3 Actions During Review

While an investigation is ongoing, BVN may:

Delay transactions Freeze Reward Points or Credits Suspend transfers Restrict withdrawals Request additional verification Limit account functionality

24.4 Investigation Outcomes

Following a review, BVN may:

• Approve the transaction
• Remove restrictions
• Reverse fraudulent transactions
• Permanently suspend the account
• Report activity to appropriate authorities where required by law

25. Transaction Holds

BVN may place temporary holds on transactions to:

Verify identity Prevent fraud Resolve disputes Comply with legal obligations Protect users and merchants Investigate unusual account activity

The duration of a hold will depend on the nature of the review and applicable legal or regulatory requirements.

26. Chargebacks & Payment Disputes

26.1 Payment Authorization

By submitting a payment through the Platform, you represent and warrant that:

You are authorized to use the selected payment method. The payment information provided is accurate. You have authority to complete the transaction. The transaction is legitimate and not fraudulent.

26.2 Chargebacks

If a chargeback, payment reversal, ACH return, or other payment dispute is initiated, BVN may:

Suspend the associated account. Remove Reward Points or Credits issued from the disputed payment. Reverse transactions related to the disputed payment. Recover any resulting losses. Restrict future purchases. Permanently terminate the account in cases of abuse.

26.3 Merchant Cooperation

Business and Merchant Accounts agree to cooperate with BVN during any payment dispute investigation by providing requested records, invoices, communications, or supporting documentation.

26.4 Recovery of Funds

If BVN incurs losses due to fraudulent or unauthorized payment activity, BVN reserves the right to recover those losses through any lawful means, including deducting available balances, offsetting future payments, or pursuing other legal remedies.

26.5 Payment Processor Rules

All payments processed through third-party payment processors remain subject to the rules, requirements, and dispute procedures of those providers in addition to these Terms.

27. Anti-Money Laundering (AML) &

Sanctions Compliance

27.1 Compliance Commitment

BVN is committed to maintaining effective controls designed to detect and prevent money laundering, terrorist financing, sanctions violations, fraud, and other financial crimes.

27.2 Customer Due Diligence

BVN may conduct customer due diligence before or after account creation. Verification measures may include:

Identity verification Business verification Beneficial ownership verification Address verification Source-of-funds inquiries Enhanced Due Diligence (EDD) where appropriate

27.3 Ongoing Monitoring

BVN may continuously monitor account activity for indicators of suspicious or unlawful conduct. Monitoring may include:

Transaction velocity Geographic inconsistencies Device changes Payment behavior Transfer activity Redemption activity Merchant activity

27.4 Sanctions Screening

BVN may screen users, businesses, and transactions against applicable sanctions lists maintained by governmental authorities.

Accounts or transactions that present sanctions concerns may be restricted, suspended, or terminated.

27.5 Reporting Obligations

Where required by applicable law, BVN may report suspicious activity or cooperate with law enforcement, regulators, courts, or other competent authorities. Nothing in these Terms limits BVN’s legal reporting obligations.

28. Account Restrictions

28.1 Temporary Restrictions

BVN may temporarily restrict an account or specific Platform features if necessary to:

Protect the user. Protect other users. Investigate suspicious activity. Complete identity verification. Resolve payment disputes. Comply with legal obligations. Address security concerns.

Restrictions may affect one or more Platform functions, including transfers, conversions, redemptions, withdrawals, or purchases.

28.2 Limited Access

During a restriction period, users may retain access to certain non-sensitive account features while higher-risk functionality remains unavailable.

28.3 Removal of Restrictions

Restrictions may be removed after BVN determines that the underlying issue has been satisfactorily resolved. Removal is at BVN’s discretion and subject to applicable law.

29. Account Suspension & Termination

29.1 Suspension

BVN may suspend an account immediately if it reasonably believes:

Fraud has occurred. Identity information is inaccurate. The account has been compromised. Platform abuse has occurred. Continued access presents an unacceptable legal, operational, or security risk.

29.2 Termination by User

Users may close their account at any time by following the procedures provided within the Platform. Termination does not automatically cancel outstanding obligations or reverse completed transactions.

29.3 Termination by BVN

BVN may terminate an account for reasons including:

Repeated policy violations. Fraud or attempted fraud. Abuse of Reward Points or Credits. Payment abuse or excessive chargebacks. Failure to complete required verification. Violations of applicable law. Breach of these Terms.

29.4 Effect of Termination

Following termination, BVN may:

Disable account access. Cancel pending transactions. Remove Platform privileges. Retain records as required by law. Preserve information necessary for fraud prevention, legal compliance, or dispute resolution.

Termination does not eliminate obligations incurred before the effective date of termination.

30. Appeals Process

30.1 Right to Request Review

Users who believe an account restriction, suspension, or other enforcement action was applied in error may request an administrative review. Submitting an appeal does not guarantee reversal of BVN’s decision.

30.2 Appeal Submission

Appeals should include, where applicable:

A description of the issue. Supporting documentation. Identification information requested by BVN. Any additional information reasonably necessary to evaluate the appeal.

Incomplete submissions may delay review.

30.3 Review Process

Appeals are reviewed by authorized BVN personnel who were not directly responsible for the original enforcement action when reasonably practicable. BVN may request additional information before making a final determination.

30.4 Final Decision

After reviewing the available information, BVN may:

Remove restrictions. Modify restrictions. Uphold the original decision. Request additional verification. Take any other action permitted under these Terms or applicable law.

BVN’s decision following the appeal process is final, except where additional rights are provided by applicable law.

31. Intellectual Property

31.1 Ownership

All rights, title, and interest in the BVN Platform, including its software, website, mobile applications, APIs, databases, trademarks, logos, trade dress, designs, graphics, text, documentation, and other content, are owned by Bosse Value Network (“BVN”) or its licensors and are protected by applicable intellectual property laws. Nothing in these Terms transfers ownership of any intellectual property to you.

31.2 Limited License

Subject to these Terms, BVN grants you a limited, non-exclusive, non-transferable, revocable license to access and use the Platform solely for its intended purposes. You may not:

Copy or reproduce Platform content except as expressly permitted. Modify or create derivative works. Reverse engineer or decompile the Platform. Sell, sublicense, or distribute Platform software. Remove copyright or trademark notices.

31.3 Trademarks

“Bosse Value Network,” “BVN,” related logos, branding, and associated marks are trademarks or service marks of BVN. You may not use BVN trademarks without prior written permission, except as permitted by applicable law.

32. API & Developer Terms

32.1 API Access

BVN may provide application programming interfaces (“APIs”) to approved developers or business partners. API access is subject to separate developer documentation and any applicable API agreement.

32.2 API Restrictions

API users may not:

Exceed published rate limits. Circumvent authentication requirements. Misuse Platform data. Create unauthorized competing services.

• Introduce security vulnerabilities.
• Use the API for unlawful purposes.

BVN may suspend or revoke API access at any time to protect the Platform or comply with legal obligations.

33. Third-Party Services

33.1 Third-Party Providers

BVN may integrate with third-party providers for services including:

Payment processing Identity verification Fraud detection Cloud hosting Analytics Customer support Communication services

Third-party services are governed by their own terms and privacy policies.

33.2 No Control

BVN is not responsible for the products, services, or actions of independent third-party providers. Users acknowledge that availability of certain Platform features may depend on third-party systems outside BVN’s control.

34. Privacy

Your use of the Platform is also governed by BVN’s Privacy Policy, which explains how personal information is collected, used, shared, retained, and protected.

By using the Platform, you acknowledge that you have read and understood the Privacy Policy.

35. Electronic Communications

By creating an account, you consent to receive electronic communications from BVN, including:

Account notifications Security alerts Transaction confirmations Policy updates Service announcements Customer support communications

Where required by law, you may opt out of promotional communications, but you cannot opt out of communications necessary to administer your account or comply with legal obligations.

36. Disclaimer of Warranties

Except as expressly provided by applicable law, the Platform is provided on an “AS IS” and “AS AVAILABLE” basis. To the fullest extent permitted by law, BVN disclaims all warranties, whether express, implied, or statutory, including implied warranties of:

Merchantability Fitness for a particular purpose Non-infringement Accuracy Availability Reliability

BVN does not guarantee uninterrupted, error-free, or completely secure operation of the Platform.

37. Limitation of Liability

To the fullest extent permitted by law, BVN and its affiliates, officers, directors, employees, contractors, licensors, and service providers shall not be liable for any indirect, incidental, consequential, special, exemplary, or punitive damages arising out of or relating to your use of the Platform. Nothing in these Terms limits liability where such limitation is prohibited by applicable law.

38. Indemnification

You agree to defend, indemnify, and hold harmless BVN, its affiliates, officers, directors, employees, contractors, agents, licensors, and service providers from and against any claims, damages, losses, liabilities, costs, or expenses (including reasonable attorneys’ fees) arising from:

Your violation of these Terms. Your misuse of the Platform. Your violation of applicable law. Your infringement of the rights of any third party. Fraudulent or unauthorized activity associated with your account.

39. Force Majeure

BVN shall not be liable for any delay or failure to perform its obligations due to events beyond its reasonable control, including but not limited to:

Natural disasters Fires Floods Pandemics War Terrorism Civil unrest Government actions Labor disputes Internet or telecommunications failures Cyberattacks Utility outages Failures of third-party service providers

Performance will resume as soon as reasonably practicable after the force majeure event ends.

40. Arbitration

Except where prohibited by law, any dispute arising out of or relating to these Terms or the Platform shall be resolved through binding arbitration administered by a recognized arbitration organization, rather than in court. The arbitration shall take place in the jurisdiction specified by BVN unless otherwise agreed by the parties or required by law. Nothing in this section prevents either party from seeking temporary injunctive relief where necessary to protect intellectual property, confidential information, or prevent immediate harm.

41. Class Action Waiver

To the fullest extent permitted by law, you and BVN agree that any dispute shall be brought only on an individual basis. You waive any right to participate in or bring a class action, collective action, representative action, or similar proceeding against BVN, except where such a waiver is prohibited by applicable law.

42. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Indiana, without regard to its conflict of laws principles, unless another jurisdiction is required by applicable law. If BVN later changes its principal place of business or legal domicile, this section may be updated accordingly with notice as required by these Terms.

43. Severability

If any provision of these Terms is determined by a court or arbitrator of competent jurisdiction to be invalid, illegal, or unenforceable, the remaining provisions shall remain in full force and effect. Any invalid provision shall be interpreted or modified only to the extent necessary to make it enforceable while preserving its original intent whenever possible.

44. Entire Agreement

These Terms of Service, together with any documents expressly incorporated by reference—including the Privacy Policy, AML/KYC Policy, Redemption Policy, Refund & Cancellation Policy, Acceptable Use Policy, Merchant Terms, API Terms, and any applicable Enterprise Agreement—constitute the entire agreement between you and BVN regarding your use of the Platform. These Terms supersede all prior or contemporaneous agreements, representations, or understandings relating to the Platform.

45. Contact Information

If you have questions regarding these Terms of Service or need assistance with your account, you may contact BVN using the information below. Bosse Value Network (BVN) Email: [email protected] Website: https://www.bossevaluenetwork.com Business Address:650 Hidden Valley Club Dr, Ann Arbor, MI 48104, United States For legal notices, compliance inquiries, or requests relating to these Terms, please contact BVN through the designated legal or compliance contact listed on the Platform or by email.