# Rewards - AdBack Addendum **Effective date:** 28 May 2026 ## 1. Introduction This AdBack Rewards Addendum (the "**AdBack Addendum**") is incorporated into and made part of the Incard Rewards Policy (the "**Rewards Terms**") between you ("**Company**," "**you**," or "**your**") and Incard Ltd ("**Incard**"). Capitalized terms not defined in this AdBack Addendum have the meanings given to them in the Rewards Terms or the Incard Terms of Service. If there is any conflict between the Rewards Terms and this AdBack Addendum, this AdBack Addendum controls solely with respect to the AdBack Rewards Program. This AdBack Addendum governs Company's eligibility for, and earning of, promotional Rewards in connection with certain payments to supported advertising platforms (as defined below). These Rewards are offered by Incard, not by any bank, card network, payment processor, or any of the Advertising Platforms. Incard may modify, suspend, or terminate this AdBack Addendum at any time, subject to applicable law. ## 2. Program Overview Incard may offer, in its sole discretion, a promotional rewards program for eligible payments to supported advertising platforms (the "**AdBack Rewards Program**" or "**AdBack**"). Under this AdBack Addendum, Incard may award Company Cashback Credits equal to one percent (1%) of Company's Eligible Platform Payments (defined below), subject to (i) Company's Qualifying Balance Tier and (ii) the applicable Monthly Eligible Spend Cap, each calculated separately per currency. For the avoidance of doubt, notwithstanding anything in the Rewards Terms to the contrary (including any statement that Cashback Credits are only available for Card purchases), Cashback Credits may be earned under this AdBack Addendum on Eligible Platform Payments even though they are not Card purchases. All other Rewards Terms regarding eligibility, forfeiture, errors, offsets, and redemption apply unless expressly modified by this AdBack Addendum. ## 3. Eligibility To earn Rewards under this AdBack Addendum, Company's Incard Account(s) must be continuously in good standing, and Company must remain in compliance with the Incard Terms of Service, the Rewards Terms, and all policies incorporated by reference. Incard may deny, limit, suspend, or revoke eligibility as permitted by applicable law. Further, Company is not eligible for AdBack Rewards if Incard determines, in its sole discretion, that Company is abusing or attempting to game the AdBack Rewards Program, including by (a) attempting to route non-Platform payments through payee descriptors to appear as a supported Advertising Platform, (b) generating circular or self-dealing transactions, or (c) manipulating balances or transactions to increase rewards. Incard may offset or claw back Rewards awarded in connection with such activity. ## 4. Earning AdBack Rewards ### 4.1 Earning rate Company will accrue Cashback Credits at a rate of **one percent (1%)** of the amount of Eligible Platform Payments that settle during the applicable calendar month, up to the Monthly Eligible Spend Cap determined under Section 4.4. ### 4.2 Eligible Platform Payments "**Eligible Platform Payment**" means a payment that: **(a)** is initiated from (or debited from) Company's Incard Transactional Account using a supported payment rail (including, where available, Faster Payments, CHAPS, SEPA, SEPA Instant, ACH, FedNow, or wire transfer) that is explicitly identified at the time of transaction as being eligible for 1% cashback; **(b)** is payable to one of the following advertising platforms (each, an "**Advertising Platform**" and collectively, the "**Advertising Platforms**"): (i) Meta Platforms, Inc. and Meta Platforms Ireland Limited (individually and collectively, "**Meta**"); (ii) Google LLC and Google Ireland Limited (individually and collectively, "**Google**"); or (iii) TikTok Inc., TikTok Information Technologies UK Limited, and TikTok Pte. Ltd. (individually and collectively, "**TikTok**"); and **(c)** is identified by Incard, in its reasonable discretion, as a payment for advertising charges or other eligible invoice or billing statement issued by an Advertising Platform. Incard may add, remove, or modify the list of Advertising Platforms supported under the AdBack Rewards Program at any time, subject to applicable law. ### 4.3 Exclusions Eligible Platform Payment does **not** include: **(a)** card transactions (including transactions made using any Card associated with the Incard Account); **(b)** fees of any kind; **(c)** reversed, returned, disputed, unauthorized, refunded, or otherwise invalidated transactions; or **(d)** any transaction Incard deems fraudulent, abusive, or ineligible in its sole discretion. ### 4.4 Monthly Eligible Spend Cap The Monthly Eligible Spend Cap is determined **per currency** based on Company's average daily collected ledger balance during the applicable calendar month across Company's eligible Incard Transactional Account and eligible Incard Treasury account, in each case held in the same currency (collectively, the "**Qualifying Balance**"). Qualifying Balance Tier, Monthly Eligible Spend Cap, and Maximum Monthly Cashback Credits are calculated independently for each currency, as set out in the tables below. **Qualifying Balances may not be aggregated across currencies.** A balance held in GBP qualifies only toward the GBP tier; a balance held in EUR qualifies only toward the EUR tier; and a balance held in USD qualifies only toward the USD tier. Eligible Platform Payments are likewise matched to the currency in which they are paid and assessed against the Monthly Eligible Spend Cap for that currency. ### Table A — GBP (British Pounds) | Qualifying Balance Tier | Monthly Eligible Spend Cap | Maximum Monthly Cashback Credits | | ----------------------- | -------------------------- | -------------------------------- | | £100,000 | £25,000 | £250 | | £500,000 | £125,000 | £1,250 | | £1,000,000 | £250,000 | £2,500 | | £2,000,000 | £500,000 | £5,000 | | £4,000,000 | £1,000,000 | £10,000 | | £8,000,000 | £2,000,000 | £20,000 | | £16,000,000 or more | £4,000,000 | £40,000 | ### Table B — EUR (Euros) | Qualifying Balance Tier | Monthly Eligible Spend Cap | Maximum Monthly Cashback Credits | | ----------------------- | -------------------------- | -------------------------------- | | €100,000 | €25,000 | €250 | | €500,000 | €125,000 | €1,250 | | €1,000,000 | €250,000 | €2,500 | | €2,000,000 | €500,000 | €5,000 | | €4,000,000 | €1,000,000 | €10,000 | | €8,000,000 | €2,000,000 | €20,000 | | €16,000,000 or more | €4,000,000 | €40,000 | ### Table C — USD (US Dollars) | Qualifying Balance Tier | Monthly Eligible Spend Cap | Maximum Monthly Cashback Credits | | ----------------------- | -------------------------- | -------------------------------- | | $100,000 | $25,000 | $250 | | $500,000 | $125,000 | $1,250 | | $1,000,000 | $250,000 | $2,500 | | $2,000,000 | $500,000 | $5,000 | | $4,000,000 | $1,000,000 | $10,000 | | $8,000,000 | $2,000,000 | $20,000 | | $16,000,000 or more | $4,000,000 | $40,000 | Qualifying Balance excludes (a) pending or uncollected deposits, (b) negative balances and overdrafts, (c) balances attributable to credit, loans, advances, or charge card limits, and (d) any balances Incard reasonably determines are present temporarily to manipulate tier eligibility. ### 4.5 Monthly measurement Incard calculates Eligible Platform Payments, Qualifying Balance Tier, and the Monthly Eligible Spend Cap on a monthly basis, separately per currency. If Company's tier changes in a given currency based on month-end calculation, Incard will apply the tier indicated by that currency's month-end Qualifying Balance to that same month's Eligible Platform Payments in that currency. ### 4.6 Posting of Cashback Credits Cashback Credits earned under this AdBack Addendum will be credited to Company's Incard dashboard on the **15th of the following month** (or the next business day if the 15th is not a business day), consistent with the Rewards Terms, unless Incard specifies a different posting cadence for this program. If an Eligible Platform Payment is later reversed, returned, disputed, or found to be ineligible (or if Cashback Credits were awarded in error), Incard may offset or deduct the associated Cashback Credits from Company's Rewards balance, future Rewards, and/or Company's Incard Account balance, as described in the Rewards Terms. ## 5. No Affiliation with Advertising Platforms Meta, Google, TikTok, and any other Advertising Platform supported under this AdBack Addendum are not sponsors of, and are not affiliated with, the AdBack Rewards Program. The "Meta", "Google", "TikTok", and other Advertising Platform names and marks are the property of their respective owners. --- # Agent Instructions: Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. Perform an HTTP GET request on the current page URL with the `ask` query parameter: ``` GET https://legal.incard.co/other-terms/rewards-adback-addendum.md?ask= ``` The question should be specific, self-contained, and written in natural language. The response will contain a direct answer to the question and relevant excerpts and sources from the documentation. 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