Effective Date: September 2026

1. Introduction

These Terms of Service and Acceptable Use Policy (“Terms”) govern access to and use of the Litecard platform, including our websites, applications, dashboards, APIs, integrations, documentation and related services (collectively, the “Services”).

The Services are provided by Litecard Pty Ltd and its affiliated entities (“Litecard”, “we”, “us” or “our”).

Litecard provides enterprise mobile wallet technology that enables organisations to create, distribute and manage digital wallet experiences, including loyalty programmes, membership credentials, digital vouchers, offers, tickets and customer engagement experiences across supported wallet platforms.

By accessing or using the Services, you agree to these Terms.

If you access or use the Services on behalf of an organisation, you represent that you have authority to bind that organisation to these Terms.

2. Scope of Services

Litecard provides technology that enables Customers to:

• create and manage digital wallet passes;
• distribute passes through supported channels;
• update pass information and content;
• send wallet notifications where enabled;
• connect Litecard with third-party systems including CRM, CDP, ecommerce, loyalty and point-of-sale platforms;
• manage digital membership, loyalty, promotional and customer engagement experiences.

Litecard does not operate or control the underlying Apple Wallet, Google Wallet, Samsung Wallet or other third-party wallet platforms.

Use of those platforms may also be subject to the applicable third-party terms and policies.

3. Customer Responsibilities

Customers are responsible for:

• ensuring information provided to Litecard is accurate and lawful;
• maintaining appropriate permissions for users accessing their Litecard account;
• ensuring all content, offers, promotions, passes and communications distributed through Litecard comply with applicable laws;
• obtaining all necessary consents, permissions and lawful bases required to process personal information;
• maintaining appropriate privacy notices and customer disclosures;
• ensuring integrations with third-party systems are correctly configured.

Litecard provides the technology platform only. Customers remain responsible for their relationship with their customers, members, employees, partners or other end users.

4. Customer Data and Privacy Responsibilities

Customers retain ownership and control of Customer Data submitted to or processed through Litecard.

Litecard processes Customer Data only to provide the Services, support agreed functionality and comply with applicable legal obligations.

Litecard does not require Customers to provide unnecessary personal information and supports data minimisation principles. Customers may configure wallet experiences using only the information required for their specific use case.

Where required, Litecard and Customers may enter into additional data processing agreements governing the processing of personal information.

5. Messaging, Notifications and Electronic Communications

Litecard enables Customers to distribute wallet updates, notifications and customer communications.

Customers are solely responsible for ensuring communications sent through the Services comply with all applicable laws and regulations, including electronic marketing, privacy and anti-spam requirements.

Customers must ensure that:

• recipients have provided appropriate consent or another lawful basis exists for communication;
• communications are accurate, transparent and not misleading;
• required identification and opt-out mechanisms are provided where applicable;
• customer preferences and communication restrictions are respected;
• appropriate records of consent and communication permissions are maintained.

Litecard prohibits use of the Services for:

• unsolicited commercial communications;
• spam or bulk messaging practices;
• deceptive marketing;
• unlawful advertising;
• communications that breach applicable privacy or electronic communication laws.

Litecard may suspend or restrict access to the Services where it reasonably believes the Services are being used in breach of these requirements.

6. Acceptable Use Policy

Customers must not use the Services to:

Engage in illegal or harmful activities

• violate applicable laws or regulations;
• facilitate fraud, deception or unlawful activity;
• distribute malicious software;
• compromise security systems or networks.

Misuse of the platform

• attempt unauthorised access;
• interfere with platform availability or performance;
• reverse engineer, modify or copy the Services;
• bypass security controls;
• conduct unauthorised penetration testing or security assessments.

Harmful content

Customers must not upload, distribute or transmit content that:

• infringes intellectual property rights;
• is defamatory, discriminatory, threatening or abusive;
• contains illegal or harmful material;
• misrepresents the identity of the sender.

7. Sensitive Information

Customers must not use Litecard to process sensitive personal information unless:

• the use case has been reviewed and approved by Litecard;
• appropriate safeguards are implemented;
• the processing complies with applicable privacy laws.

Sensitive information may include information relating to:

• health information;
• biometric information;
• racial or ethnic origin;
• political opinions;
• religious beliefs;
• trade union membership;
• sexual orientation or related information.

Additional contractual requirements may apply for certain regulated use cases.

8. Account Security

Customers are responsible for maintaining appropriate security of their accounts, including:

• protecting authentication credentials;
• restricting account access;
• promptly notifying Litecard of suspected unauthorised access.

Litecard may implement security measures including authentication controls, access controls and monitoring to protect the Services.

9. Third-Party Integrations

Litecard integrates with third-party services, including wallet providers, CRM platforms, CDPs, ecommerce platforms and point-of-sale systems.

Customers acknowledge that:

• third-party services operate independently from Litecard;
• third-party terms may apply;
• Litecard is not responsible for failures caused by third-party systems.

10. Intellectual Property

Litecard owns all rights, title and interest in:

• the Litecard platform;
• software;
• APIs;
• documentation;
• technology;
• trademarks;
• methodologies;
• improvements and developments.

Customers retain ownership of their trademarks, content and Customer Data.

Customers grant Litecard the rights necessary to provide the Services.

11. Service Availability

Litecard aims to provide reliable access to the Services.

However:

• maintenance may occasionally be required;
• third-party services may affect availability;
• interruptions may occur outside Litecard’s reasonable control.

Litecard does not guarantee uninterrupted availability unless expressly agreed under a separate service level agreement.

12. Fees and Subscription Services

Fees, subscription charges and implementation costs are agreed through applicable order forms, proposals or commercial agreements.

Customers are responsible for payment of agreed fees.

Failure to pay fees may result in suspension or termination of Services.

13. Suspension and Termination

Litecard may suspend or terminate access where:

• these Terms are breached;
• the Services are used unlawfully;
• security risks arise;
• payment obligations remain outstanding;
• continued use may expose Litecard or others to risk.

Where reasonably practicable, Litecard will provide notice before suspension.

14. Confidentiality

Each party agrees to protect confidential information received from the other party and only use such information for purposes connected with the Services.

Confidential information does not include information that:

• is publicly available;
• was independently developed;
• was lawfully received from another source.

15. Limitation of Liability

To the maximum extent permitted by law:

• Litecard excludes liability for indirect, consequential or special losses;
• Litecard is not responsible for losses caused by third-party platforms;
• Litecard’s liability is limited to the amount paid by the Customer during the applicable period preceding the event giving rise to the claim.

Nothing in these Terms excludes liability that cannot legally be excluded.

16. Changes to These Terms

Litecard may update these Terms from time to time.

Material changes will be communicated through appropriate channels.

Continued use of the Services following updates constitutes acceptance of the revised Terms.

17. Governing Law

These Terms are governed by the laws specified in the applicable Customer agreement.

Where no separate agreement exists:

• customers contracting with Litecard Pty Ltd are subject to the laws of Victoria, Australia;
• international customers may have additional contractual arrangements governing jurisdiction and applicable law.

18. Contact

For questions regarding these Terms, email: legal@litecard.com