Rewards Program Policy

Last Updated: December 13, 2025

Effective Date: December 13, 2025

Table of Contents

1. Overview
2. Eligibility Requirements
3. How to Earn Rewards
4. Credit System Details
5. Credit Expiration Policy
6. Withdrawal Policy
7. Token Utility and Feature Request Voting
8. Lifetime Commission Program
9. Terms and Conditions
10. Regulatory Disclaimers
11. Frequently Asked Questions (FAQ)
12. Contact Information

Overview

The Winu by AmpFi Rewards Program allows users to earn credits through referrals, signup bonuses, and lifetime commissions. These credits can be used to subsidize subscription payments or withdrawn as blockchain reward tokens.

Eligibility Requirements

To participate in the Rewards Program, you must meet the following requirements:

• ✅ Have an active account with Winu by AmpFi
• ✅ Have an active subscription (trial or paid)
• ✅ Be at least 18 years old
• ✅ Comply with all Terms of Service
• ✅ Maintain an account in good standing
• ✅ Not be suspended, banned, or restricted from the platform
• ✅ Comply with applicable laws and regulations in your jurisdiction

Age Requirements

• You must be at least 18 years old to participate
• Users under 18 years of age are not eligible to participate
• The platform reserves the right to verify age and may require additional verification

Subscription Requirements for Earning Rewards

• To earn referral credits: You (the referrer) must have an active paid subscription (not trial) when the referred user completes their first paid subscription period
• To earn commissions: You (the referrer) must have an active paid subscription (not trial) when the referred user's subscription renews
• To receive signup bonus: You must complete your first subscription payment (trial subscriptions do not qualify)
• To withdraw credits: You must have an active paid subscription (not trial)
• Note: Trial subscriptions allow you to participate in the program (receive signup bonus, view rewards, etc.) but do not allow you to earn referral credits, commissions, or withdraw credits

Geographic Restrictions

• The Rewards Program may not be available in all jurisdictions
• The platform reserves the right to restrict or prohibit participation in certain countries or regions due to:
  • Regulatory requirements
  • Sanctions compliance
  • Legal restrictions
  • Platform discretion
• Users are responsible for ensuring their participation is legal in their jurisdiction
• The platform complies with all applicable sanctions and export control laws, including but not limited to OFAC regulations

The platform reserves the right to disqualify any user from the Rewards Program for violations of terms, fraudulent activity, abuse of the system, or non-compliance with applicable laws.

How to Earn Rewards

There are three primary ways to earn reward credits:

1. Referral Program

How It Works:

1. Share your unique referral code (format: WINU-XXXXXX) with friends, family, or your network
2. When someone signs up using your referral code and completes their first paid subscription period (not trial), both you and the referred user receive credits
3. Credits are automatically applied to your account balance

Credit Amount:

• Both the referrer and referred user receive a credit of $10.00 USD (or the amount configured by the platform)
• Credits are awarded in USD value but are redeemable as blockchain reward tokens
• The credit amount is fixed and may be adjusted by the platform at any time

Important Notes:

• Credits are only awarded after the referred user completes their first paid subscription period (not during trial)
• Referrers must have an active paid subscription (not trial) to earn referral credits
• You can refer unlimited users
• Each successful referral earns credits for both parties
• Referral credits expire after the configured period (typically 30 days)

2. Signup Bonus

How It Works:

New users may receive a signup bonus as a percentage of their first subscription payment. This bonus is automatically credited after your first subscription payment is processed.

Bonus Details:

• Bonus Percentage: The bonus is calculated as a percentage of your first subscription payment (typically 10%, configurable by the platform)
• Minimum Amount: The minimum bonus is $1.00 (100 cents), even if the percentage calculation results in less
• Calculation: The bonus amount is always rounded down to the nearest cent
• One-Time Only: Signup bonus is awarded only once, on your first subscription payment
• Expiration: Signup bonus credits expire after the same period as referral credits (typically 30 days)

Example:

If your first subscription payment is $50.00 and the signup bonus is 10%:

• Calculation: $50.00 × 10% = $5.00
• You receive: $5.00 in credits

If your first subscription payment is $5.00 and the signup bonus is 10%:

• Calculation: $5.00 × 10% = $0.50
• You receive: $1.00 in credits (minimum bonus)

3. Lifetime Commission Program

How It Works:

After the initial referral credit is awarded, referrers continue to earn commissions on all future subscription renewals from users they referred.

Commission Details:

• Commission Rate: Typically 10% of each subscription renewal (configurable by the platform)
• Calculation: Commission is calculated on the amount actually paid (after credits/discounts)
• Timing: Commissions are automatically added to your Stripe balance after each renewal
• Expiration: Commissions expire after the same period as referral credits (typically 30 days) if not used
• Duration: Commissions continue as long as:
  • The referred user maintains an active subscription
  • You (the referrer) maintain an active paid subscription (not trial)
  • Your account remains in good standing
  • The referred user's account is not suspended, canceled, or deleted

Example:

If a user you referred pays $50.00 for their monthly subscription renewal:

• Commission: $50.00 × 10% = $5.00
• You receive: $5.00 in credits

Credit System Details

Credit Types

Credits in the Rewards Program include:

1. Referral Credits: Earned when someone you refer completes their first paid subscription
2. Signup Bonus Credits: Earned as a percentage of your first subscription payment
3. Lifetime Commission Credits: Earned from ongoing subscription renewals of users you referred
4. Admin-Applied Credits: Credits manually applied by administrators (if applicable)

Note: Voting rewards are distributed as tokens directly to wallets and are NOT credits. Voting rewards are NOT included in your credit balance and are NOT subject to the $500 cap or expiration.

Credit Usage

Credits can be used in two ways:

1. Automatic Application to Subscriptions:
   • Credits are automatically applied to your next subscription renewal
   • Credits are used before charging your payment method
   • If credits don't cover the full amount, the remaining balance is charged to your payment method
   • No manual intervention is required
   • Important: Credits can only be used for subscription discounts while they remain on the platform
2. Withdrawal as Reward Tokens:
   • Credits can be withdrawn as blockchain reward tokens
   • Once withdrawn, tokens cannot be transferred back to the platform
   • Tokens cannot be used for subscription discounts after withdrawal
   • See Withdrawal Policy for details

Decision Point:

• Use credits for subscription discounts (keep on platform) - OR
• Withdraw credits as tokens (decentralized, can trade/hold/transfer)

Credit Balance

• Your credit balance is the sum of all active, non-expired credit transactions
• Each credit transaction has its own expiration date
• Credits are tracked per-transaction for precise expiration management
• You can view your current balance on the Rewards page

Credit Balance Cap

• Maximum Balance: Your reward credit balance is capped at $500 USD
• Applies To: Credit balance cap applies to referral credits, signup bonus credits, lifetime commission credits, and admin-applied credits
• Does NOT Apply To: Voting rewards are distributed as tokens directly and are NOT subject to the $500 cap
• New Rewards: If a new credit reward would exceed the $500 cap, only the partial amount that brings your balance to exactly $500 will be applied
• Partial Application: For example, if you have $400 balance and earn a $200 credit reward, you'll receive $100 (bringing you to $500) instead of the full $200
• Balance Reduction: Your credit balance decreases when:
  • Credits are used for subscription discounts
  • Credits are withdrawn as reward tokens
  • Credits expire
• No Application: If your credit balance is already at $500, no new credit rewards will be applied until your balance drops below $500 through usage, withdrawal, or expiration

Credit Expiration Policy

Expiration Period

• Credits expire after a configured period (typically 30 days) from the date they are applied to your account
• Each credit transaction has its own expiration date, allowing for precise tracking
• The expiration period may be adjusted by the platform at any time

Expiration Notifications

You will receive email notifications:

• 7 days before credits expire
• 1 day before credits expire

These notifications remind you to use your credits or withdraw them as reward tokens before they expire.

What Happens to Expired Credits

• Expired credits cannot be recovered
• Unused credits that expire are automatically removed from your balance
• Alternatively, unused credits may be automatically used to subsidize your next subscription payment before they expire
• Make sure to use your credits before they expire or withdraw them as reward tokens

Best Practices

• Monitor your credit balance regularly
• Set reminders for credit expiration dates
• Use credits for subscription payments or withdraw them as reward tokens before expiration
• Check your email for expiration notifications

Withdrawal Policy

Overview

Credits can be withdrawn as blockchain reward tokens on supported blockchains. IMPORTANT: All withdrawals are for blockchain reward tokens ONLY, NOT as cash or fiat currency.

Eligibility Requirements

To withdraw credits, you must:

• ✅ Have an active, non-trial subscription
• ✅ Have available credits (non-expired referral credits, signup bonus credits, etc.)
• ✅ Have added and verified a wallet address for your chosen blockchain
• ✅ Not have exceeded the monthly withdrawal limit
• ✅ Have an account in good standing

Monthly Withdrawal Limit

• Limit: You can withdraw once per calendar month (resets on the 1st of each month in UTC)
• Maximum Amount: Maximum withdrawal per month is $500 USD equivalent in credits
• Full Balance Required: You must withdraw your FULL available balance (all referral credits, signup bonus credits, etc. that are not expired), but only if your balance is $500 or less
• Balance Limit: If your available balance exceeds $500, withdrawals are rejected until your balance drops to $500 or below (through expiration or usage)
• Partial Withdrawals: Partial withdrawals are NOT allowed
• Reset Date: The monthly limit resets on the 1st of each month at 00:00 UTC

Example:

If you withdraw on January 15th, your next withdrawal will be available on February 1st at 00:00 UTC. If your available balance exceeds $500, you cannot withdraw until your balance drops to $500 or below (through expiration or usage), or you wait until next month.

Balance Exceeding Monthly Limit:

If your available balance exceeds the $500 monthly limit:

• Withdrawal will be rejected - you cannot withdraw if your balance exceeds $500
• You must wait until your balance drops below $500 (through expiration or usage) or wait until next month
• The remaining balance stays in your account and remains available
• Credits may expire if not used or withdrawn in time
• Example: If you have $600 balance, you cannot withdraw until your balance drops to $500 or below (through expiration or usage), or you wait until next month when you can withdraw if balance is ≤ $500

Wallet Address Requirements

• Verification Required: You must add and verify a wallet address for your chosen blockchain
• Location: Add wallet addresses in Settings → Wallet tab
• Mainnet Only: Only mainnet addresses are supported (testnet addresses are not accepted)
• Exchange Wallets: We recommend using personal wallets, not exchange wallets, to avoid potential issues
• Verification Process: You must confirm that:
  • The address is correct
  • It is your personal wallet (not an exchange wallet)
  • You understand that sending to an exchange wallet may result in loss of funds

Supported Blockchains

We support withdrawals on the top blockchains by market cap. The default supported blockchains include:

• Ethereum (ETH)
• Bitcoin (BTC)
• Polygon (MATIC)
• Solana (SOL)
• Binance Smart Chain (BSC)
• Avalanche (AVAX)
• Cardano (ADA)
• Base
• TON
• Arbitrum
• Optimism
• Cosmos (ATOM)
• Polkadot (DOT)
• Near Protocol (NEAR)
• Aptos (APT)
• Sui (SUI)

Note: The list of supported blockchains may be updated by the platform. Check the Rewards page for the current list.

Reward Token Details

Token Type:

• Rewards are custom tokens pre-minted at launch and distributed from treasury by the platform administrator
• They are NOT native blockchain tokens (e.g., not ETH, BTC, SOL, etc.)
• Token metadata (name, symbol, decimals, contract addresses) is configurable by the platform
• All tokens are pre-minted at launch and stored in treasury for distribution

Token Distribution:

• Tokens are distributed from treasury when processing withdrawals (all tokens are pre-minted at launch)
• Tokens are sent to your verified wallet address on the blockchain you selected
• The final amount credited will be in reward tokens value
• No new tokens are minted after initial launch - all distributions come from pre-allocated treasury

Platform Non-Custody:

• IMPORTANT: The platform does NOT hold or custody user tokens
• Once tokens are withdrawn to your wallet, they are fully decentralized and under your control
• The platform cannot access, control, or require tokens to be returned
• Tokens are stored in user-controlled wallets
• The platform has no access to or control over user tokens after withdrawal

Gas Fees and Processing

Gas Fee Deduction:

• Gas fees are deducted from the final reward token amount at the time of processing
• The amount you receive may be slightly less than your credit balance due to network fees
• Gas fees vary by blockchain and network conditions
• The platform cannot predict exact gas fees in advance

Processing Time:

• Withdrawals are processed manually by administrators
• Processing time varies and is not guaranteed
• You will receive notification when your withdrawal is processed
• Withdrawal status can be tracked on the Rewards page

Processing Steps:

1. You submit a withdrawal request with your verified wallet address
2. Your request is reviewed by administrators
3. Administrators process the withdrawal and distribute reward tokens from treasury
4. Reward tokens are sent to your wallet address (less gas fees)
5. You receive notification when the withdrawal is completed

Withdrawal Request Status

Withdrawal requests can have the following statuses:

• Pending: Your request is awaiting admin review
• Processing: Your withdrawal is being processed
• Completed: Reward tokens have been sent to your wallet
• Rejected: Your withdrawal request was rejected (with reason provided)
• Cancelled: You cancelled your withdrawal request

Token Transferability and Trading

On-Chain Transfers:

• Reward tokens are fully decentralized once withdrawn to your wallet
• Users can transfer tokens to any wallet address
• Transfers are peer-to-peer and not facilitated by the platform
• Platform has no control over or access to user tokens

Decentralized Exchange (DEX) Trading:

• Tokens may be traded on decentralized exchanges (DEXes) by users
• Trading is peer-to-peer and not facilitated by the platform
• Users trade at their own risk and discretion
• Platform does not provide liquidity or market-making services
• Community members and third parties may provide liquidity on DEXes independently
• Market Price Disclaimer: The platform does NOT control or guarantee market prices on DEXes. Market prices may be higher or lower than the $0.01 withdrawal rate. Trading is entirely at users' own risk.

Platform Position on Trading:

• The platform does NOT list tokens on any exchange
• The platform does NOT facilitate, endorse, or promote trading
• The platform does NOT provide liquidity or market-making services
• The platform does NOT guarantee token value, liquidity, or tradability
• The platform does NOT hold or custody tokens
• The platform remains neutral regarding token trading and liquidity provision

Community Liquidity Provision:

• Community members and third parties are encouraged to provide liquidity on DEXes independently
• Liquidity provision is entirely community-driven and decentralized
• Platform does NOT provide guidance, support, or guarantees for liquidity provision
• Platform may offer voting rewards to liquidity providers who participate in feature request voting
• Liquidity providers operate independently and assume all risks (impermanent loss, smart contract risks, etc.)
• Platform is not responsible for liquidity provider outcomes

Centralized Exchange (CEX) Trading:

• Tokens are NOT listed on centralized exchanges
• The platform does NOT seek CEX listings
• The platform does NOT facilitate CEX trading
• Any CEX listing would be done independently by third parties without platform involvement

Trading Risks:

• Trading is entirely at users' own risk
• Token prices may be volatile or zero
• There may be no liquidity or buyers
• Trading may result in total loss
• The platform is not responsible for trading outcomes
• DEX trading may involve smart contract risks
• Gas fees apply to all on-chain transactions

Token Utility and Feature Request Voting

Token Utility and Use Cases

Reward tokens have the following utility purposes:

1. Feature Request Voting:
   • Tokens can be used to vote on platform feature proposals and suggestions
   • Voting weight is proportional to token holdings
   • Active participation in voting may earn additional rewards
   • See Feature Request Voting Feature for details
2. Subscription Discounts:
   • Credits (on-platform) can be used to subsidize subscription payments
   • Credits are applied automatically before charging payment methods
   • Important: Credits cannot be used after withdrawal as tokens
   • Tokens (on-chain) cannot be transferred back to platform for discounts
3. On-Chain Transfer:
   • Tokens can be transferred to other wallet addresses
   • Transfers are peer-to-peer and decentralized
   • Platform does not facilitate or control transfers
4. DEX Trading:
   • Tokens may be traded on decentralized exchanges
   • Trading is at users' discretion and risk
   • Platform does not facilitate or promote trading

What Tokens Are NOT

IMPORTANT: Reward tokens are NOT:

• Securities or investment instruments
• Passive income generators (no rewards for holding)
• Guaranteed to have value or liquidity
• Registered with any securities regulator
• Offered as investment contracts
• Designed to generate profits

No Passive Rewards:

• Platform does NOT reward users for holding tokens
• Platform does NOT scan wallets to verify holdings
• Platform does NOT provide passive income mechanisms
• Rewards are only for active participation (voting)

Feature Request Voting Feature

Reward tokens can be used to vote on platform feature proposals and suggestions. Voting is weighted by token holdings, giving users with more tokens greater influence on which features the platform should prioritize. This is a feedback mechanism for user suggestions, not corporate governance.

Voting Characteristics:

• Purpose: Platform feature suggestions and user feedback (not corporate decisions)
• Nature: Advisory and non-binding - platform retains final decision-making authority
• Scope: Users vote on which features to prioritize, not on business operations or corporate governance
• Utility: Allows users to influence platform development priorities based on their participation level
• Weighting: More tokens = more voting weight (utility-based, not investment-based)

Important Disclaimers:

• Feature request voting does not create ownership, equity, or investment rights in the platform
• Voting does not guarantee that platform will implement proposed features
• Platform retains full control over feature development and implementation
• Voting is a feedback mechanism for user suggestions, not corporate governance
• Voting is a utility feature for user engagement, not an investment mechanism

Voting Rewards

Active Participation Rewards:

• Users who participate in voting may receive rewards
• Rewards are for active participation (voting), not passive holding
• Rewards are distributed as tokens directly to user wallets (not as platform credits)
• Tokens are sent directly to the wallet address used for voting
• Rewards are NOT subject to the $500 credit balance cap
• Rewards are NOT subject to expiration (tokens do not expire)
• Tokens can be used immediately for voting, trading, or holding

Reward Distribution:

• Voting rewards are distributed as tokens from treasury or Voting Rewards Reserve
• Tokens are sent directly to user wallets after voting period ends
• No credit system involvement - tokens bypass the credit system entirely
• Users receive tokens in their wallet, not credits in their account balance
• Tokens can be used immediately for additional voting or other purposes

Reward Structure:

• Rewards are based on voting participation, not token holdings
• All voters may receive rewards, regardless of token amount
• Rewards are one-time per voting event, not ongoing
• Minimum guarantee: Voters receive at least 1.5x the tokens they voted (150% return)
• Reward pool: 1-2% of treasury voting allocation per quarter (500K-1M tokens)
• Platform reserves the right to modify or discontinue voting rewards

Reward Calculation:

• Proportional distribution based on voting share
• Minimum guarantee ensures attractive returns (at least 1.5x tokens voted)
• Higher participation can yield much larger returns (10x-50x in some scenarios)
• See Tokenomics Documentation for detailed calculation examples

Important Notes:

• Not Credits: Voting rewards are tokens, NOT platform credits
• No Balance Cap: Voting rewards are NOT subject to the $500 credit balance cap
• No Expiration: Voting reward tokens do NOT expire (unlike credits which expire in 30 days)
• Direct Distribution: Tokens are sent directly to wallets, not added to credit balance
• Immediate Use: Tokens can be used immediately for voting, trading, or holding

Securities Law Disclaimer:

• Voting rewards are participation incentives, not investment returns
• Rewards are for active engagement, not passive income
• No rewards are provided for simply holding tokens
• Voting and rewards are utility features, not securities

Lifetime Commission Program

Overview

The Lifetime Commission Program allows referrers to earn ongoing commissions from users they referred, beyond the initial referral credit.

How It Works

1. Initial Credit: When someone you refer completes their first paid subscription, both you and the referred user receive the initial referral credit ($10.00 or configured amount)
2. Ongoing Commissions: Starting from the second paid subscription period, you earn a commission (typically 10%) on each subscription renewal from users you referred
3. Automatic Application: Commissions are automatically added to your account balance after each renewal
4. Expiration: Commissions expire after the same period as referral credits (typically 30 days) if not used

Commission Calculation

• Rate: Typically 10% of each subscription renewal (configurable by the platform)
• Base Amount: Commission is calculated on the amount actually paid (after credits/discounts)
• Example: If a referred user pays $50.00 for their monthly subscription, you receive $5.00 in commission credits

Commission Duration

Commissions continue as long as:

• ✅ The referred user maintains an active subscription
• ✅ You (the referrer) maintain an active paid subscription (not trial)
• ✅ Your account remains in good standing
• ✅ The referred user's account is not suspended, canceled, or deleted
• ✅ The platform continues to offer the commission program

Commission Termination

Commissions stop if:

• ❌ The referred user cancels their subscription
• ❌ You (the referrer) cancel your subscription or your subscription expires
• ❌ You (the referrer) are on a trial subscription (commissions require an active paid subscription)
• ❌ The referred user's account is suspended or deleted
• ❌ Your account is suspended or restricted
• ❌ The platform discontinues the commission program

Terms and Conditions

Participation and Opt-In/Opt-Out

Opt-In Required:

• Participation in the Rewards Program is optional
• Users must explicitly opt-in by accepting the Terms of Service and Rewards Program Policy
• By accepting, users agree to all terms and conditions of the Rewards Program
• Users can review the Rewards Program Policy before accepting

Opt-Out Methods:

• Users can opt-out at any time by closing their account
• Users can also contact support to request opt-out
• Opting out does not affect existing credits (credits remain available until expiration)
• Users cannot earn new credits after opting out
• Users cannot withdraw credits after account closure (unless withdrawal was already in progress)

Rewards vs. Gift Cards:

• These are rewards/credits earned through platform participation, NOT gift cards
• No purchase is required to earn credits
• Credits are earned through referrals, signup bonuses, and commissions, not purchased
• Gift card regulations do not apply to these rewards

General Terms

1. Platform Discretion: The platform reserves the right to modify, suspend, or terminate the Rewards Program at any time without prior notice
2. Credit Amounts: Credit amounts, percentages, and expiration periods are subject to change by the platform
3. Fraud Prevention: The platform reserves the right to disqualify users, reverse credits, or take other actions to prevent fraud or abuse
4. Account Status: Users must maintain accounts in good standing to participate in the Rewards Program
5. Tax Obligations: Users are responsible for any tax obligations related to rewards earned through the program
6. No Cash Value: Credits and reward tokens have no cash value and cannot be exchanged for fiat currency

Prohibited Activities

The following activities are prohibited and may result in disqualification:

• Creating fake accounts or using multiple accounts to game the system
• Using automated tools or bots to generate referrals
• Purchasing referrals or using referral services
• Manipulating or abusing the referral system
• Violating Terms of Service
• Engaging in fraudulent activity
• Attempting to withdraw to exchange wallets when prohibited

Limitation of Liability

The platform is not responsible for:

• Loss of reward tokens due to incorrect wallet addresses
• Loss of funds sent to exchange wallets
• Gas fee fluctuations
• Network congestion or blockchain issues
• Delays in withdrawal processing
• Expired credits that were not used or withdrawn

Dispute Resolution

• Disputes regarding rewards should be submitted through the platform's support system
• The platform will make good faith efforts to resolve disputes fairly
• If a dispute cannot be resolved through support, users may pursue remedies available under applicable law
• The platform's internal dispute resolution process does not limit users' rights under applicable consumer protection laws

Anti-Money Laundering (AML) and Know Your Customer (KYC)

No Mandatory KYC:

• The platform does NOT require identity verification for normal withdrawals
• Users can withdraw credits as tokens without providing identity documents
• The platform uses transaction limits to prevent money laundering while avoiding KYC requirements

Withdrawal Limits (No KYC Required):

• Monthly Limit: $500 USD equivalent in credits per month
• This limit is well below FinCEN's $3,000 KYC threshold
• No identity verification required for withdrawals within this limit

Suspicious Activity Monitoring:

• The platform monitors for suspicious activity patterns
• The platform reserves the right to request additional information for:
  • Suspected fraud or abuse
  • Multiple accounts from same IP address
  • Unusual withdrawal patterns
  • Other suspicious activity indicators
• The platform may delay or reject withdrawals pending investigation
• The platform may report suspicious activity to relevant authorities

User Responsibility:

• Users are responsible for ensuring their participation is legal in their jurisdiction
• Users must comply with applicable laws and regulations
• The platform is not responsible for users' failure to comply with applicable laws

Tax Reporting

Platform Reporting Obligations:

• The platform is NOT required to issue tax forms (Form 1099-MISC, Form 1099-NEC) because:
  • Reward tokens have no cash value ($0.00 USD)
  • Tokens cannot be exchanged for fiat currency through the platform
  • Tokens are utility rewards, not income payments
• The platform does NOT provide tax reporting services
• The platform does NOT determine tax value of tokens
• The platform has NO tax reporting burden

User Tax Obligations:

• Users are responsible for their own tax reporting
• Users should consult with a tax professional to determine their specific tax obligations
• If tokens are traded on DEXes, users may need to report gains/losses based on fair market value
• The platform does not provide tax advice or valuation services

Token Valuation:

• For platform purposes, tokens have no cash value ($0.00 USD)
• Users are responsible for determining fair market value if trading tokens on DEXes
• The platform does not track or report token trading activity
• Users should consult with a tax professional for tax valuation guidance

Tax Reporting - Token Valuation

Platform Position:

• For platform purposes, tokens have no cash value ($0.00 USD)
• Platform does not facilitate fiat conversion
• Platform does not track or report token trading
• IMPORTANT: Withdrawal calculations use fixed $0.01/token rate (for conversion only, NOT market value guarantee)
• The $0.01/token rate is ONLY for withdrawal calculations, NOT a market price guarantee
• Market price on DEXes is determined by supply/demand and may differ significantly from $0.01
• Platform does NOT control or guarantee market prices on DEXes

User Tax Obligations:

• Users are responsible for their own tax reporting
• If tokens are traded on DEXes, users may need to report gains/losses based on fair market value
• Market value for tax purposes may differ from platform's $0.00 valuation
• Users should consult tax professionals for guidance on:
  • Determining fair market value of tokens
  • Reporting gains/losses from token trading
  • Tax obligations in their jurisdiction

Platform Disclaimers:

• Platform does not provide tax advice
• Platform does not determine tax value of tokens
• Platform is not responsible for user tax obligations
• Platform's $0.00 valuation is for platform purposes only, not tax purposes

Regulatory Disclaimers

Securities Law Disclaimer

IMPORTANT: Reward tokens are utility tokens representing earned rewards, NOT securities:

Token Characteristics:

• Tokens are rewards for platform participation, not investments
• Tokens are earned, not purchased
• Tokens represent value already earned through referrals/bonuses
• Platform does not hold, custody, or control tokens
• Users have full control over tokens after withdrawal

No Investment Contract:

Tokens do not meet the Howey Test for securities:

• No investment of money (tokens are earned, not purchased)
• No expectation of profit from passive holding (no holder rewards)
• No passive income mechanism (rewards only for active participation)
• Platform does not manage token value or provide ongoing returns

Feature Request Voting Utility:

• Feature request voting is a utility feature for user feedback and platform improvement
• Voting is advisory and non-binding - users provide suggestions, platform makes decisions
• Voting does not create ownership or equity rights
• More tokens = more voting weight (utility, not investment value)
• This is user feedback, not corporate governance or decision-making authority

Active Participation Only:

• Rewards are only for active participation (voting)
• No rewards for passive token holding
• No wallet scanning or holder verification
• Rewards are participation incentives, not investment returns

No Registration:

• Tokens are not registered with any securities regulator
• Tokens are not offered as securities
• Platform does not seek securities registration
• Tokens are utility tokens with clear use cases

No Investment Value:

• Tokens are not designed as investments
• Platform does not guarantee returns or profits
• Token prices may be volatile or zero
• Trading tokens may result in total loss
• Users should not expect profit from holding tokens

Money Transmission Disclaimer

IMPORTANT: The platform does NOT operate as a money transmitter:

Non-Custodial Model:

• Platform does NOT hold or custody user tokens
• Platform does NOT maintain wallets for users
• Platform does NOT control tokens after withdrawal
• Users have full control over their tokens

No Money Transmission:

• Platform does NOT facilitate fiat currency conversions
• Platform does NOT operate as a money transmitter
• Platform does NOT hold or transmit fiat currency
• Platform does NOT provide exchange services
• Platform does NOT guarantee token-to-fiat conversion

User Responsibility:

• Users who trade tokens on DEXes do so independently
• Any conversion to fiat currency is done by users through third-party services
• Platform is not involved in or responsible for trading or conversions
• Users are responsible for compliance with applicable laws

Jurisdictional Restrictions

Reward token withdrawals may be restricted or unavailable in certain jurisdictions due to regulatory requirements. The platform operates in compliance with applicable money transmission and financial services regulations. Users are responsible for understanding and complying with laws in their jurisdiction.

Restricted Activities:

• The Rewards Program may not be available in all jurisdictions
• The platform reserves the right to restrict or prohibit participation in certain countries or regions
• Restrictions may be due to:
  • Regulatory requirements
  • Sanctions compliance (including OFAC regulations)
  • Legal restrictions
  • Platform discretion

User Responsibility:

• Users must ensure their participation is legal in their jurisdiction
• Users are responsible for compliance with applicable laws
• The platform complies with all applicable sanctions and export control laws

Gift Card and Stored Value Regulations

Not Applicable:

• These are rewards/credits earned through platform participation, NOT gift cards
• No purchase is required to earn credits
• Gift card regulations do NOT apply to these rewards
• Credit expiration periods (typically 30 days) are set by the platform and are not subject to gift card laws

Frequently Asked Questions (FAQ)

General Questions

Q: What are reward credits?
A: Reward credits are USD-denominated credits that can be used to subsidize subscription payments or withdrawn as blockchain reward tokens. They are NOT cash.

Q: Can I exchange credits for cash?
A: No. Credits are redeemable ONLY as blockchain reward tokens, NOT as cash or fiat currency.

Q: How do I check my credit balance?
A: You can view your current credit balance on the Rewards page in your account dashboard.

Q: Is there a maximum balance limit?
A: Yes. Your reward balance is capped at $500 USD. If a new reward would exceed this limit, only the partial amount that brings your balance to exactly $500 will be applied. For example, if you have $400 and earn a $200 reward, you'll receive $100 (bringing you to $500). If your balance is already at $500, no new rewards will be applied until your balance drops below $500 through usage, withdrawal, or expiration.

Q: What happens if a new reward would exceed $500?
A: Only the partial amount that brings your balance to exactly $500 will be applied. For example, if you have $400 balance and earn a $200 reward, you'll receive $100 (bringing you to $500) instead of the full $200. If your balance is already at $500, no new rewards will be applied until your balance drops below $500 through usage, withdrawal, or expiration.

Q: Do credits expire?
A: Yes. Credits expire after a configured period (typically 30 days) from the date they are applied. You will receive email notifications before expiration.

Referral Program

Q: How do I get my referral code?
A: Your unique referral code is displayed on the Rewards page. It follows the format WINU-XXXXXX.

Q: When do I receive referral credits?
A: You receive credits when someone you refer completes their first paid subscription period (not during trial).

Q: How many people can I refer?
A: There is no limit to the number of people you can refer. Each successful referral earns credits for both parties.

Q: Do I earn credits if someone uses my referral code but doesn't subscribe?
A: No. Credits are only awarded when the referred user completes their first paid subscription period.

Q: Do I need an active subscription to earn referral credits?
A: Yes. You (the referrer) must have an active paid subscription (not trial) to earn referral credits when someone you refer completes their first paid subscription period.

Q: Can I earn referral credits if I'm on a trial subscription?
A: No. Trial subscriptions do not qualify for earning referral credits. You must have an active paid subscription to earn referral credits.

Signup Bonus

Q: How do I receive the signup bonus?
A: The signup bonus is automatically credited after your first subscription payment is processed.

Q: What is the minimum signup bonus?
A: The minimum signup bonus is $1.00 (100 cents), even if the percentage calculation results in less.

Q: Can I receive the signup bonus more than once?
A: No. The signup bonus is awarded only once, on your first subscription payment.

Lifetime Commissions

Q: How do lifetime commissions work?
A: After the initial referral credit, you earn a commission (typically 10%) on each subscription renewal from users you referred.

Q: When do I receive commission credits?
A: Commission credits are automatically added to your account after each subscription renewal from referred users.

Q: How long do commissions continue?
A: Commissions continue as long as the referred user maintains an active subscription, you (the referrer) maintain an active paid subscription (not trial), and your account remains in good standing.

Q: Do I need an active subscription to earn commissions?
A: Yes. You (the referrer) must have an active paid subscription (not trial) to earn commissions when users you referred renew their subscriptions.

Q: Can I earn commissions if I'm on a trial subscription?
A: No. Trial subscriptions do not qualify for earning commissions. You must have an active paid subscription to earn commissions.

Withdrawals

Q: How often can I withdraw?
A: You can withdraw once per calendar month (resets on the 1st of each month in UTC).

Q: What is the maximum withdrawal amount?
A: The maximum withdrawal per month is $500 USD equivalent in credits. If your available balance exceeds $500, you cannot withdraw until your balance drops to $500 or below (through expiration or usage), or you wait until next month.

Q: Can I withdraw a partial amount?
A: No. You must withdraw your FULL available balance (all non-expired credits), but only if your balance is $500 or less. Partial withdrawals are not allowed.

Q: What happens if my balance exceeds the $500 monthly limit?
A: If your available balance exceeds $500, your withdrawal will be rejected. You cannot withdraw if your balance exceeds $500. You must wait until your balance drops below $500 (through expiration or usage) or wait until next month when you can withdraw if your balance is ≤ $500. The remaining balance stays in your account and remains available, but credits may expire if not used or withdrawn in time. For example, if you have $600 balance, you cannot withdraw until your balance drops to $500 or below (through expiration or usage), or you wait until next month.

Q: What happens if the market price of tokens differs from $0.01?
A: The $0.01/token rate is ONLY for withdrawal calculations, NOT a market price guarantee. If tokens trade on DEXes at a different price (higher or lower), the platform does NOT adjust the withdrawal rate. You receive tokens at $0.01/credit regardless of market price. You may trade tokens on DEXes at market prices (which may be higher or lower than $0.01), but trading is entirely at your own risk. The platform does NOT control or guarantee market prices on DEXes.

Q: What blockchains are supported for withdrawals?
A: We support the top blockchains by market cap, including Ethereum, Bitcoin, Polygon, Solana, Cardano, and others. Check the Rewards page for the full list.

Q: How long does withdrawal processing take?
A: Withdrawals are processed manually by administrators. Processing time varies and is not guaranteed.

Q: Why is the amount I receive less than my credit balance?
A: Gas fees are deducted from the final reward token amount at the time of processing. The amount you receive may be slightly less than your credit balance due to network fees.

Q: Can I withdraw to an exchange wallet?
A: We recommend using personal wallets, not exchange wallets, to avoid potential issues. Sending to an exchange wallet may result in loss of funds.

Q: What are reward tokens?
A: Reward tokens are custom tokens pre-minted at launch and distributed from treasury by the platform administrator. They are NOT native blockchain tokens (e.g., not ETH, BTC, SOL, etc.). All tokens are pre-minted at launch and stored in treasury - no new tokens are minted after launch.

Credit Expiration

Q: When do credits expire?
A: Credits expire after a configured period (typically 30 days) from the date they are applied to your account.

Q: Will I be notified before credits expire?
A: Yes. You will receive email notifications 7 days and 1 day before credits expire.

Q: Can expired credits be recovered?
A: No. Expired credits cannot be recovered. Make sure to use your credits or withdraw them as reward tokens before they expire.

Q: What happens to unused credits?
A: Unused credits that expire are automatically removed from your balance. Alternatively, unused credits may be automatically used to subsidize your next subscription payment before they expire.

Technical Questions

Q: How are credits tracked?
A: Credits are tracked per-transaction, with each credit transaction having its own expiration date for precise management.

Q: How are credits applied to subscriptions?
A: Credits are automatically applied to your next subscription renewal. They are used before charging your payment method.

Q: What if credits don't cover the full subscription amount?
A: If credits don't cover the full amount, the remaining balance is charged to your payment method automatically.

Q: Can I transfer tokens back to the platform for subscription discounts?
A: No. Once tokens are withdrawn to your wallet, they cannot be transferred back to the platform. Only credits (on-platform) can be used for subscription discounts.

Q: Does the platform hold or custody my tokens?
A: No. The platform does not hold or custody user tokens. Once tokens are withdrawn to your wallet, they are fully decentralized and under your control.

Feature Request Voting

Q: How does feature request voting work?
A: Reward tokens can be used to vote on platform feature proposals and suggestions. Voting is weighted by token holdings, giving users with more tokens greater influence on which features the platform should prioritize. This is a feedback mechanism for user suggestions, not corporate governance.

Q: Is voting binding?
A: No. Voting is advisory and non-binding. The platform retains final decision-making authority over feature development.

Q: Do I earn rewards for voting?
A: Yes. Users who participate in voting receive rewards distributed as tokens directly to their wallets. Rewards are based on voting participation, not token holdings. You receive at least 1.5x the tokens you voted (150% return), and higher participation can yield much larger returns (10x-50x). Voting rewards are NOT subject to the $500 credit balance cap or expiration - they are tokens sent directly to your wallet.

Q: Do I earn rewards for holding tokens?
A: No. The platform does not reward users for holding tokens. Rewards are only for active participation (voting).

Q: Does the platform scan my wallet?
A: No. The platform does not scan user wallets. Tokens are fully decentralized once withdrawn.

Token Trading

Q: Can I trade tokens on centralized exchanges?
A: Tokens are not listed on centralized exchanges. The platform does not seek CEX listings or facilitate CEX trading.

Q: Can I trade tokens on decentralized exchanges?
A: Yes. Tokens may be traded on DEXes by users. Trading is peer-to-peer and not facilitated by the platform. Trading is at your own risk.

Q: Does the platform facilitate trading?
A: No. The platform does not facilitate, endorse, or promote trading. Trading is entirely at users' discretion and risk.

Q: Are tokens securities?
A: No. Reward tokens are utility tokens, not securities. They are rewards for platform participation, not investments. Tokens are not registered with any securities regulator.

Liquidity and Trading

Q: Does the platform provide liquidity on DEXes?
A: No. The platform does NOT provide liquidity or participate in liquidity pools. Community members and third parties may provide liquidity on DEXes independently.

Q: Can I provide liquidity for tokens?
A: Yes. Community members and third parties are encouraged to provide liquidity on DEXes independently. However, the platform does NOT provide guidance, support, or guarantees for liquidity provision. Liquidity providers operate independently and assume all risks (impermanent loss, smart contract risks, etc.).

Q: Are there incentives for liquidity providers?
A: Liquidity providers who participate in feature request voting may earn voting rewards (distributed from treasury). However, the platform does NOT provide direct incentives for liquidity provision itself.

Q: Will there be liquidity available for trading?
A: Liquidity depends entirely on community members and third parties providing it independently. The platform does NOT guarantee liquidity, tradability, or token value. There may be no liquidity or buyers available.

Q: What are the risks of providing liquidity?
A: Liquidity providers face several risks, including impermanent loss, smart contract risks, market volatility, and no platform guarantees or support. The platform is not responsible for liquidity provider outcomes.

Contact Information

Support

For questions, issues, or disputes regarding the Rewards Program:

• Email: io@ampfi.app
• Support Portal: Contact through your account dashboard

Reporting Issues

If you encounter issues with:

• Credit application
• Withdrawal processing
• Referral tracking
• Expiration notifications

Please contact support with:

• Your account email/username
• Description of the issue
• Relevant transaction IDs or dates
• Screenshots (if applicable)

Feedback

We welcome feedback on the Rewards Program. Please share your suggestions through the support portal or email.

Policy Updates

This Rewards Program Policy may be updated from time to time. Users will be notified of significant changes via email or platform notifications. Continued participation in the Rewards Program constitutes acceptance of the updated policy.

Last Updated: December 13, 2025
Version: 1.0

Legal Disclaimer

This Rewards Program Policy is part of the Winu by AmpFi Terms of Service. By participating in the Rewards Program, you agree to be bound by this policy and the Terms of Service. The platform reserves the right to modify, suspend, or terminate the Rewards Program at any time without prior notice.

Rewards are blockchain reward tokens, NOT cash. Credits have no cash value and cannot be exchanged for fiat currency.

Regulatory Compliance

• This policy is designed to comply with applicable laws and regulations
• The platform reserves the right to modify the program to ensure compliance
• Users are responsible for understanding and complying with laws in their jurisdiction
• The platform may restrict or modify features based on regulatory requirements

No Legal or Financial Advice

• This document does not constitute financial, legal, or tax advice
• Users should consult with qualified professionals for advice on:
  • Tax obligations related to rewards
  • Legal compliance in their jurisdiction
  • Investment decisions (though tokens are not investments)

Platform Discretion

• The platform reserves the right to:
  • Modify, suspend, or terminate the Rewards Program
  • Restrict participation based on regulatory requirements
  • Require additional verification for compliance
  • Report suspicious activity to authorities

This document is provided for informational purposes only and does not constitute financial, legal, or tax advice. Users are responsible for understanding and complying with applicable laws and regulations in their jurisdiction. The platform is not responsible for users' failure to comply with applicable laws.