Effective Date: September 9, 2026 | Version 2.0

1. Acceptance and Definitions

These Terms of Service ("Terms") are a binding agreement between you and Mobavenue Global Holdings Limited ("EarnX," "Company," "we," "us," "our"), governing your access to and use of the EarnX mobile application and website at earnx.ai (together, the "Services"). By creating an Account or using the Services, you agree to these Terms, our Privacy Policy, our Cookie Policy, and our Advertising Disclosure, each incorporated by reference. If you do not agree, do not use the Services.

"Account" means the unique account you create to access the Services.

"Offer" means a game, survey, app trial, or other advertiser-sponsored activity available through the Services.

"Rewards Currency" means the points/units you earn by completing Offers.

"Redemption Option" means gift card, cash (e.g., PayPal/bank transfer), or cryptocurrency, as made available from time to time.

"Content" means any text, image, or other material available through the Services, excluding User Contributions.

"User Contribution" means anything you post, submit, or transmit through any interactive feature of the Services.

2. Age Requirements and Eligibility

EarnX is designed for a general audience, and browsing our marketing pages and app-store listing is open to all ages. Creating and holding an Account, and the scope of what an Account can do, depends on your age, as follows:

Under 13: You may not create an Account or provide us with any personal information. We do not knowingly collect personal information from anyone under 13, consistent with Section 10A of our Privacy Policy.

13 to 17 ("Minor Account"): A parent or legal guardian must provide Verifiable Parental Consent before any Account is created or any personal information beyond a neutral age check is collected, and that parent or guardian — not the minor — is the party who accepts these Terms and is bound by them, as set out in Section 2A. A Minor Account may complete Offers and accrue Rewards Currency, but redemption, payout, identity verification (KYC), and participation in sweepstakes or promotions are not available until the user reaches the Age of Majority and completes standard verification, as further described in Sections 5, 6, and 6.1.

18 or older, or the age of majority in your jurisdiction if higher ("Age of Majority"): You may create a full Account and use all features of the Services, subject to these Terms.

By using the Services, you represent that the information above accurately describes your circumstances and that all information you provide is accurate and current. The Services are directed at users located in the United States; availability elsewhere is not guaranteed. Participation is limited to one (1) Account per person and one (1) Account per household.

2A. Parents and Guardians

If you are a parent or legal guardian providing consent for a user aged 13–17, you — not the minor — are the party entering into these Terms, our Privacy Policy, and our EULA on the minor's behalf, and you are responsible for the minor's compliance with these Terms and for any obligations arising from the Minor Account, including this Agreement to Arbitrate in Section 16.

You may review the personal information we have collected from the minor, request its deletion, and revoke your consent at any time by contacting support@earnx.ai; revoking consent will result in closure of the Minor Account and, subject to Section 7, forfeiture of any unredeemed Rewards Currency.

We may ask you to complete a Verifiable Parental Consent (VPC) process before the Minor Account is activated or reactivated, using one of the methods described in our Privacy Policy, Section 10A.

A Minor Account does not receive marketing communications, targeted/behavioral advertising, or requests for precise location, installed-apps, or identity-verification (KYC) data, as further described in our Privacy Policy.

3. The Services

EarnX is a rewards ("play-and-earn"/offerwall) application. You earn Rewards Currency by completing Offers, which you may redeem for a Redemption Option, subject to these Terms and any Additional Promotional Terms/Official Rules we publish for a specific sweepstakes, prize draw, or promotion (which prevail over these Terms in the event of conflict for that promotion).

4. Your Account

You are responsible for maintaining the confidentiality of your login credentials and for all activity under your Account, and must notify us promptly of any unauthorized use.

You consent to receive essential transactional and account-security communications, which cannot be opted out of while you maintain an Account; you may separately opt in or out of marketing communications as described in our Privacy Policy.

We may require you to verify your mobile number and, before your first redemption or during an account review, to complete identity verification (KYC).

5. Rewards Currency and Redemption

Rewards Currency has no cash, monetary, or other value until validated and redeemed under these Terms; it is not a currency, security, deposit, or investment, remains our sole property until redeemed, and is non-transferable outside the Services.

An Offer is credited only once you have fully satisfied its requirements as specified, in compliance with these Terms, and we and/or our third-party Offer partners are able to properly track and validate your completion. We are not responsible for crediting an Offer that an advertiser's own systems fail to record, track, or validate, and where an advertiser makes the final completion determination, that determination is final.

We may hold credit for a completed Offer for up to ninety (90) days for fraud-review purposes before it becomes available for redemption.

We set, and may change at any time, minimum redemption thresholds, redemption limits, processing times, and available Redemption Options; changes apply to past, present, and future Rewards Currency and Offers unless we state otherwise.

Cash and crypto redemption is processed through third-party payment or wallet providers under their own terms; we are not a money transmitter or virtual-asset service provider and do not custody funds beyond what is necessary to route your payout. Cryptocurrency values are volatile and outside our control; you bear the risk of value fluctuation, wallet-address errors, and network fees once a crypto payout is initiated to the wallet address you provide.

Gift cards are issued by or through third-party issuers/merchants under their own redemption terms; once delivered, gift-card redemptions are final and cannot be cancelled, exchanged, or refunded, and the risk of loss passes to you on digital delivery.

All redemptions are final. No re-crediting, reversal, or refund of Rewards Currency will be issued once a redemption has been successfully processed, except where we agree in writing or where required by law.

If a Redemption Option becomes unavailable after you redeem for it, we may, at our sole discretion, provide a Redemption Option of equal or greater value or restore the Rewards Currency to your Account.

Minor Accounts (ages 13–17) may accrue Rewards Currency by completing Offers, but redemption is disabled. Accrued Rewards Currency remains in the Account and becomes eligible for redemption once the user reaches the Age of Majority and completes the identity verification described in Section 6, subject to the inactivity and expiration rules in Section 7.

6. Identity Verification, Account Reviews, and Fraud Prevention

We may verify your identity to our satisfaction before crediting or paying out Rewards Currency, at any time, including through routine or targeted account reviews. We may request a government ID, a selfie/liveness check, proof of address, mobile-number verification, transaction records, or other evidence of your identity, eligibility, or completion of an Offer.

You agree to cooperate fully and promptly with any account review and to provide only accurate, current, and complete information. Failure or refusal to do so within a reasonable time, or providing false, incomplete, or misleading information, is grounds for withholding, suspending, or forfeiting Rewards Currency, and for suspending or terminating your Account.

We will make commercially reasonable efforts to complete verification but are not obligated to process repeated or indefinite resubmissions, and may close a verification request or deny access if it cannot be completed within a reasonable timeframe.

Our fraud-prevention, security, and account-integrity signals, rules, thresholds, and detection methods are confidential and proprietary. We are not obliged to disclose the specific signals or reasoning behind a detection, review outcome, restriction, suspension, or forfeiture decision, and may give only a general explanation, except to the extent applicable mandatory law entitles you to more (e.g., a right to a general basis for an automated decision and human review, where applicable — in which case we will provide what the law requires).

We do not request government-ID or selfie/liveness identity verification (KYC) from a Minor Account. KYC is requested only once a user reaches the Age of Majority and seeks to redeem Rewards Currency for the first time.

6.1 Sweepstakes, Contests, and Promotions

Any sweepstakes, prize draw, or promotion offered through the Services may be governed by Additional Promotional Terms/Official Rules, published separately, covering eligibility (including state-of-residence and age restrictions), entry mechanics, odds, and prize structure. Where such terms exist, they govern in the event of any conflict with these Terms for that specific promotion. Entrants must have reached the Age of Majority; Minor Accounts are not eligible to enter or win a sweepstakes, prize draw, or promotion. Participation in any recurring free promotional draw requires no purchase and no payment; we may invalidate entries, disqualify a participant, or withhold or revoke a prize where we determine, in our sole discretion, that entries were obtained through fraud, automation, or a violation of these Terms.

7. Inactive Accounts and Rewards Expiration

An Account not logged into for twelve (12) consecutive months or longer may be treated as inactive and closed, regardless of any unredeemed Rewards Currency balance. Before final closure, we will notify you at least thirty (30) days in advance at the email address on file and give you the opportunity to log in or request reactivation; if you take no action, we may permanently close the Account and any unredeemed Rewards Currency will expire without compensation.

We may adopt or change Rewards Currency expiration rules for past, present, or future balances at any time; where Rewards Currency expires under then-current rules, we may remove it from your Account without compensation.

8. Taxes

You are solely responsible for determining and reporting any tax liability arising from your accrual or redemption of Rewards Currency. We may require you to provide tax information where our records indicate a reporting obligation applies to you, and we encourage you to seek independent tax advice.

9. Prohibited Conduct

You agree not to:

Use bots, scripts, macros, emulators, click-farms, VPNs/proxies to spoof location, fake SMS numbers, Google Voice, or VOIP for phone verification, or other automated or fraudulent means to complete, fake, or claim credit for an Offer;

Create or use more than one Account, or provide false registration, identity, or KYC information;

Resell, transfer, or exchange your Account or Rewards Currency outside the Services, or manipulate the outcome of any survey, prize draw, or promotion;

Reverse-engineer, decompile, probe, scan, or interfere with the Services or their security, fraud-detection, or account-integrity features;

Use the Services for any unlawful purpose, to exploit or harm a minor, to impersonate any person or entity, to transmit spam or malware, or to infringe any right of EarnX, an advertiser, or a third party;

Interfere with, overburden, or disrupt the Services, attempt unauthorized access to our systems, or attack the Services via denial-of-service or similar means;

Post or transmit User Contributions that are unlawful, defamatory, obscene, harassing, hateful, discriminatory, or that infringe another's rights or give a false impression of endorsement by us.

10. Monitoring, Enforcement, and Termination

We have the right, at any time, in our sole and absolute discretion, and without prior notice or liability to you, to:

Suspend, restrict, or terminate your Account or access to all or part of the Services, for any or no reason, including any actual or suspected violation of these Terms;

Limit, suspend, or terminate your ability to earn, hold, or redeem Rewards Currency, and withhold, suspend, or void any Rewards Currency, credited or accrued but not yet successfully redeemed, if we determine you have not complied with these Terms;

Remove, refuse to post, or take any other action with respect to any User Contribution or Offer-related submission that we believe violates these Terms, infringes a right of any person, or could create liability for us;

Change, suspend, limit, or discontinue all or part of the Services, an Offer, or a Rewards Program, including unredeemed Rewards Currency, at any time without prior notice or compensation;

Investigate suspected violations and fully cooperate with law enforcement or a court order requiring us to disclose your identity or Account information; you waive and hold us and our affiliates, licensors, and service providers harmless from any claim resulting from action we take during or as a result of such an investigation;

Take appropriate legal action, including referral to law enforcement, for illegal or unauthorized use of the Services.

On termination for cause, unredeemed Rewards Currency may be forfeited. We assume no liability for any action or inaction regarding User Contributions or third-party Offer content and cannot guarantee prompt removal of any specific item, but retain full discretion to act as described above. Determinations under this Section may rely on our fraud-prevention and account-integrity systems described in Section 6, and we are not obliged to disclose the signals or methods underlying them beyond what applicable mandatory law requires.

11. Content Standards and User Contributions

Any User Contribution must comply with all applicable law and must not: be defamatory, obscene, abusive, harassing, hateful, or discriminatory; infringe any intellectual property or privacy right; be likely to deceive; manipulate a survey, draw, or promotion; promote unlawful activity; or falsely suggest endorsement by us. You grant us a non-exclusive, worldwide, royalty-free license to use, reproduce, and display any User Contribution you submit, in connection with operating and promoting the Services, and you represent that you own or control all necessary rights to grant this license and that your User Contribution complies with these Terms.

12. Third-Party Offers, Advertisers, and Links

The Services display Offers and advertising from third parties. We do not control, and are not responsible for, the content, functionality, or privacy practices of any third-party Offer, app, or linked website; your dealings with a third party are solely between you and that party. See our Advertising Disclosure for how sponsored content is identified.

13. Intellectual Property

The Services and their entire content, features, and functionality (excluding third-party advertiser content and User Contributions) are owned by or licensed to EarnX and its affiliates and protected by intellectual property law. We grant you a limited, non-exclusive, non-transferable, revocable license to use the Services for personal, non-commercial use. You must not reproduce, modify, distribute, or create derivative works from the Services except as this license permits, and all rights not expressly granted are reserved. The EarnX name and logo are trademarks of EarnX or its affiliates and may not be used without our prior written permission.

14. Disclaimers

THE SERVICES, ALL REWARDS CURRENCY, OFFERS, AND REDEMPTION OPTIONS ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, EXPRESS, IMPLIED, OR STATUTORY, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND UNINTERRUPTED OR ERROR-FREE OPERATION, TO THE MAXIMUM EXTENT PERMITTED BY LAW. WE DO NOT WARRANT THAT THE SERVICES WILL BE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

15. Limitation of Liability and Indemnification

TO THE MAXIMUM EXTENT PERMITTED BY LAW, EARNX AND ITS AFFILIATES, LICENSORS, SERVICE PROVIDERS, OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, DATA, OR GOODWILL, ARISING FROM YOUR USE OF THE SERVICES, WHETHER BASED IN CONTRACT, TORT, OR OTHERWISE, EVEN IF FORESEEABLE. OUR TOTAL LIABILITY FOR ANY CLAIM ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICES WILL NOT EXCEED THE GREATER OF (A) THE CASH VALUE OF REWARDS CURRENCY YOU REDEEMED IN THE 3 MONTHS PRECEDING THE CLAIM, OR (B) USD $100. SOME JURISDICTIONS DO NOT ALLOW CERTAIN LIABILITY LIMITATIONS, SO SOME OF THE ABOVE MAY NOT APPLY TO YOU.

You agree to indemnify, defend, and hold harmless EarnX, its affiliates, licensors, and service providers, and their respective officers, directors, employees, and agents, from any claim, liability, damage, judgment, loss, cost, or expense (including reasonable attorneys' fees) arising out of or relating to your violation of these Terms, your use of the Services, or your User Contributions.

16. Dispute Resolution — Binding Arbitration and Class Action Waiver (U.S. Users)

PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO FILE A LAWSUIT IN COURT.

Agreement to arbitrate: If you are located in the United States, you and EarnX agree that any dispute, claim, or controversy arising out of or relating to these Terms or the Services will be resolved by binding, individual arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules, except that either party may bring an individual claim in small claims court.

Class action waiver: Arbitration and any court proceeding will be conducted only on an individual basis, not as a class, collective, or representative action, and an arbitrator may not consolidate more than one person's claims.

Governing law: The Federal Arbitration Act governs interpretation and enforcement of this arbitration agreement. Substantive claims are governed by the laws of the State of Delaware, without regard to conflict-of-law principles, to the extent not preempted by federal law.

Opt-out: You may opt out of this arbitration agreement by emailing support@earnx.ai within 30 days of first accepting these Terms, stating your name and that you opt out of arbitration.

Severability: If the class action waiver is found unenforceable as to a particular claim or request for relief, that claim or request must be severed and may proceed in court, while the rest of this arbitration agreement remains in force.

For all users outside the United States, and for any claim severed out of arbitration above, these Terms and any dispute are governed by the laws of England and Wales, and the courts of England and Wales have non-exclusive jurisdiction, without prejudice to any mandatory consumer-protection rights of your country of residence that cannot be waived by contract.

For a Minor Account, this Agreement to Arbitrate is entered into by, and binds, the parent or legal guardian who provided consent under Section 2A, not the minor personally.

17. Limitation on Time to File Claims

Unless prohibited by law, any claim arising out of or relating to these Terms or the Services must be commenced within one (1) year after the claim accrues, or it is permanently barred.

18. Changes to These Terms

We may modify these Terms at any time. Material changes will be notified through the Services or other reasonable means before taking effect; changes to the Dispute Resolution section will not apply to a dispute of which we had actual notice before the change was posted. Continued use of the Services after the effective date of a change constitutes acceptance.

19. General

Entire agreement: These Terms, our Privacy Policy, Cookie Policy, Advertising Disclosure, and any Additional Promotional Terms constitute the entire agreement between you and EarnX regarding the Services.

Severability: If a provision is held unenforceable, it will be limited or eliminated to the minimum extent necessary, and the remaining provisions remain in full force.

No waiver: Our failure to enforce a provision is not a waiver of that provision or any other.

Assignment: We may assign these Terms in connection with a merger, financing, acquisition, or asset sale. You may not assign these Terms without our consent.

20. Contact

Email: support@earnx.ai

Postal address: Mobavenue Global Holdings Limited,
803 WIMHURST COURT, 168 UPPER NORTH STREET United Kingdom London E14 6TX United Kingdom