Terms of Service

These Terms of Service ("Terms") govern your access to and use of dyme.earth, travel.dyme.earth, Dyme Travel, the Dyme Miles program, Dyme Gift Cards, Dyme for Business, and any related services provided by Dyme Digital Inc. ("Dyme," "we," "us") (collectively, the "Services"). By creating a Dyme account or using any Dyme service, you agree to these Terms.

If you do not agree, do not use the Services.

The Dyme Services. Dyme provides Dyme Travel (search and booking of hotels, flights, car rentals, and activities through our travel partners — see Section 28); Dyme Gift Cards (closed-loop, third-party gift cards — see Section 29); and Dyme Miles (Dyme's travel rewards program — see Section 23). Dyme for Business makes these services available to organizations and their travelers (see Part C).

PART A — GENERAL TERMS (APPLY TO EVERYONE)

1. ACCEPTING THESE TERMS

By accessing or using the Services, you confirm that you are at least 18 years old, have the legal capacity to enter into a binding agreement, and agree to be bound by these Terms and our Privacy Policy.

If you use the Services on behalf of an organization, you represent that you have authority to bind that organization to these Terms, and "you" refers to both you and that organization. Additional terms for organizations appear in Part C.

2. HOW THESE TERMS ARE ORGANIZED

These Terms are organized into four parts:

• Part A — General Terms apply to everyone who accesses or uses the Services.
• Part B — Terms for Members apply to individuals who create a Dyme account and use Dyme as consumers, including the Dyme Miles program.
• Part C — Terms for Business Customers apply to organizations that use Dyme for Business and to their authorized administrators and users.
• Part D — Product-Specific Terms apply to particular products (Dyme Travel and Dyme Gift Cards) and apply in addition to Parts A–C.

If a term in Part B, C, or D conflicts with Part A, the more specific term controls for that product or user. For business customers, a signed Business Agreement (if any) controls as described in Section 27.

3. AMENDMENTS TO THESE TERMS

We may amend these Terms from time to time. We will post the updated Terms to the Services and update the "Effective Date," and the updated Terms take effect when posted unless a later Effective Date is stated. We may also notify you of material changes by email or a prominent notice on the Services. If you do not agree to a change, you must stop using the Services. Your continued use of the Services after the updated Terms are posted constitutes acceptance of the amended Terms.

4. PRIVACY AND YOUR PERSONAL INFORMATION

Your use of the Services is also governed by our Privacy Policy (https://dyme.earth/privacy-policy), which is incorporated into these Terms by reference.

5. ELECTRONIC NOTICES AND MESSAGING

You consent to receive communications from Dyme electronically, including by email and through notices posted on the Services. You agree that all agreements, notices, disclosures, and other communications we provide electronically satisfy any legal requirement that they be in writing.

Text Messages, WhatsApp, and Calls. If you provide your mobile number and opt in, you agree that Dyme (and vendors acting on Dyme's behalf) may contact you by text message (SMS/MMS), by WhatsApp, and by phone call — including messages and calls placed or handled using automated technology and AI voice assistants — to service your account and, where you separately consent, for marketing. Your consent to receive automated or AI-voice marketing messages or calls is not a condition of any purchase. Message frequency varies; message and data rates may apply under your mobile plan. You may opt out of texts at any time by replying STOP (reply HELP for help), and may withdraw consent to calls or WhatsApp messages by replying STOP, blocking the Dyme number, instructing our agent, or emailing hello@dyme.earth. Opting out of marketing messages does not stop transactional messages tied to an active booking or account. Mobile carriers and messaging platforms are not liable for delayed or undelivered messages; WhatsApp messages are additionally governed by WhatsApp's and Meta's terms. How we handle information collected through these channels is described in our Privacy Policy.

6. ACCEPTABLE USE, PROHIBITED CONDUCT, AND COMPLIANCE

You agree not to: (a) use the Services in any way that could damage, disable, or impair the Services; (b) attempt to gain unauthorized access to any portion of the Services; (c) interfere with other users' use of the Services; (d) use any robot, spider, scraper, or other automated means to access the Services except as expressly permitted by us; (e) circumvent any technical or contractual restrictions on access; or (f) use the Services in any scheme to violate any law or regulation, including those governing financial transactions.

Sanctions and Export Compliance. You represent that you are not located in, or a resident or national of, any country or territory subject to comprehensive U.S. sanctions or embargo, and that you are not identified on any U.S. government restricted- or denied-party list. You agree not to use the Services in violation of any applicable export-control or economic-sanctions laws.

7. PROMOTIONS, OFFERS, AND PROMOTIONAL CODES

From time to time Dyme may offer promotions, discounts, credits, travel vouchers, or promotional codes. Unless the specific offer states otherwise: promotions have no cash value; may not be combined with other offers; are limited to one per member, account, or booking; are for personal, non-commercial use; are non-transferable; and may be modified, suspended, or revoked at any time, including where Dyme reasonably suspects fraud, abuse, or error. Each promotion is also subject to its own posted offer terms, which control in the event of a conflict with this Section.

8. DYME'S INTELLECTUAL PROPERTY RIGHTS

The Services, including all content, software, design, trademarks (including "Dyme," "Dyme Miles," and the Dyme logo), and other materials, are the property of Dyme or its licensors and are protected by intellectual property laws. You are granted a limited, non-exclusive, non-transferable, revocable license to access and use the Services for your personal, non-commercial use (or, for business customers, your internal business use as described in Part C), subject to these Terms.

You may not copy, modify, distribute, sell, lease, or create derivative works of any part of the Services without our prior written consent.

9. COPYRIGHT AND DMCA NOTICE-AND-TAKEDOWN

Dyme respects intellectual property rights and expects users to do the same. If you believe content on the Services infringes your copyright, you may send a notice to our designated agent that includes: (a) identification of the copyrighted work; (b) identification of the allegedly infringing material and its location on the Services; (c) your contact information; (d) a statement that you have a good-faith belief the use is not authorized by the copyright owner, its agent, or the law; (e) a statement, under penalty of perjury, that the information is accurate and that you are authorized to act on the owner's behalf; and (f) your physical or electronic signature.

Designated Copyright Agent: Dyme Digital Inc., 1401 Lavaca Street, #593, Austin, TX 78701; copyright@dyme.earth. Dyme may remove or disable access to allegedly infringing material and may terminate the accounts of repeat infringers.

10. DISCLAIMER OF REPRESENTATIONS AND WARRANTIES

THE SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR ANY WARRANTY ARISING FROM COURSE OF DEALING OR USAGE OF TRADE.

DYME DOES NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE. DYME DOES NOT WARRANT THE ACCURACY, COMPLETENESS, OR TIMELINESS OF PRICES, AVAILABILITY, OR OTHER INFORMATION OBTAINED FROM TRAVEL PARTNERS OR THIRD-PARTY SOURCES.

Some jurisdictions do not allow the exclusion of certain warranties; in such jurisdictions, the above exclusions apply to the maximum extent permitted by law.

11. NOTIFICATION DISCLAIMER

Dyme is not responsible for failed, delayed, or missed notifications (including Dyme Miles balance notifications, text messages, or booking confirmations) caused by your email provider, mobile carrier, messaging platform, device settings, or other factors outside Dyme's reasonable control.

12. LIMITATIONS OF LIABILITY

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW:

(a) DYME WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING LOSS OF PROFITS, REVENUE, DATA, OR GOODWILL.

(b) DYME'S TOTAL LIABILITY ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICES, WHETHER IN CONTRACT, TORT, OR OTHERWISE, WILL NOT EXCEED THE GREATER OF (i) ONE HUNDRED UNITED STATES DOLLARS ($100.00) OR (ii) THE AMOUNTS YOU PAID DYME IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE LIABILITY.

(c) For transactions where Dyme is not the merchant of record (including all travel bookings under Section 28 and most gift card purchases under Section 29), Dyme's role is limited to providing the user interface, facilitation, and Dyme Miles administration. Your contractual and payment relationship for those transactions is with the applicable merchant of record and the underlying supplier. Dyme has no liability for the merchant of record's processing, refund, or fulfillment obligations, though Dyme will use commercially reasonable efforts to assist with disputes when requested through Dyme support.

The above limitations apply even if Dyme has been advised of the possibility of such damages, and even if a limited remedy fails of its essential purpose.

13. INDEMNIFICATION

You agree to defend, indemnify, and hold harmless Dyme, its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or in any way connected with: (a) your access to or use of the Services; (b) your violation of these Terms; (c) your violation of any rights of another; or (d) your bookings, gift card purchases, or Dyme Miles activity.

14. ENDING YOUR RELATIONSHIP WITH DYME

Your Right to Close Your Account. You may close your Dyme account at any time by contacting us at hello@dyme.earth. Closure does not relieve you of obligations for transactions completed before closure.

Dyme's Right to Terminate. We may suspend or terminate your access to the Services, or any part of the Services (including Dyme Miles or Dyme Gift Cards), at any time if we believe in good faith that you have violated these Terms, engaged in fraud, or that termination is necessary to protect Dyme, its users, or third parties.

Effect of Termination. Upon termination: (a) your right to use the Services ends immediately; (b) your Dyme Miles balance is forfeited unless we elect otherwise; (c) provisions that by their nature survive termination (including Sections 8, 9, 10, 11, 12, 13, 15, and 16) will continue in effect.

15. ARBITRATION CLAUSE & CLASS ACTION WAIVER

Please read this Section carefully. It affects your legal rights.

Agreement to Arbitrate. You and Dyme agree to resolve any dispute arising out of or relating to these Terms or the Services through 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 if it qualifies.

Class Action Waiver. You and Dyme agree that any arbitration or court proceeding will be conducted only on an individual basis and not as a class, collective, or representative action. The arbitrator may not consolidate claims from multiple parties.

Opt-Out. You may opt out of this arbitration agreement by sending written notice to hello@dyme.earth within 30 days of first accepting these Terms (or the amendments to this Section). The notice must include your name, email, and a clear statement that you opt out of arbitration.

Exceptions. This Section does not apply to disputes regarding the validity, enforcement, or infringement of intellectual property rights.

16. GOVERNING LAW AND FORUM FOR DISPUTES

These Terms are governed by the laws of the State of Delaware, without regard to its conflict-of-laws principles. Subject to Section 15, any dispute not subject to arbitration shall be brought exclusively in the state or federal courts located in the State of Delaware, and you consent to the personal jurisdiction of those courts.

17. CALIFORNIA CONSUMER RIGHTS NOTICES

If you are a California resident, you have the right to certain disclosures and rights as set out in our Privacy Policy. Under California Civil Code Section 1789.3, California users are entitled to the following notice: the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs may be contacted in writing at 1625 North Market Blvd., Suite N 112, Sacramento, CA 95834, or by telephone at (800) 952-5210 or (916) 445-1254.

18. ASSIGNMENT

You may not assign or transfer these Terms or any rights under them without our prior written consent. We may assign these Terms in connection with a merger, acquisition, financing, or sale of assets, or by operation of law.

19. FORCE MAJEURE

Dyme will not be liable for any delay or failure to perform resulting from causes outside its reasonable control, including acts of God, pandemic, war, terrorism, riots, embargoes, acts of civil or military authority, fire, floods, accidents, network or telecommunications failures, or supplier failures.

20. ENTIRE AGREEMENT

These Terms, together with the Privacy Policy, any program-specific or offer-specific terms presented within the Services, and (for business customers) any signed Business Agreement, constitute the entire agreement between you and Dyme regarding the Services. Our failure to enforce any right or provision of these Terms will not be considered a waiver. If any provision is held to be invalid or unenforceable, the remaining provisions will remain in full force and effect. No agency, partnership, joint venture, or employment relationship is created between you and Dyme by these Terms or your use of the Services. These Terms do not create any third-party beneficiary rights. Section headings are for convenience only and do not affect interpretation.

PART B — TERMS FOR MEMBERS (INDIVIDUAL USERS)

21. MEMBER ELIGIBILITY AND ACCOUNTS

Dyme membership is offered to individuals 18 years of age or older. You may hold one personal Dyme account; you may separately be an authorized user of a Dyme for Business account (see Part C), which is distinct from your personal account. Duplicate or fraudulent personal accounts may be closed and any balances forfeited.

You are responsible for keeping your account and contact information accurate and for keeping your login credentials secure. You are responsible for all activity under your account. Dyme is not responsible for loss (including lost Dyme Miles) resulting from out-of-date contact information or from unauthorized access caused by your failure to safeguard your account.

22. PERSONAL, NON-COMMERCIAL USE

As a member, the Services, your bookings, and your gift card purchases are for your personal, non-commercial use. You may not resell or commercially exploit any booking or gift card, and you may not make speculative, false, or fraudulent bookings or hold inventory without a genuine intent to travel. Dyme may cancel any booking or order that violates this Section.

If you use Dyme for Business on behalf of an organization, Part C governs your permitted use, including booking travel for the organization's employees and guests.

23. DYME MILES PROGRAM

23.1 Enrollment

Dyme Miles is Dyme's travel rewards program, offered to individual members 18 years of age or older. Enrollment is free and automatic with the creation of a personal Dyme account; every personal account holder is enrolled in Dyme Miles by default and may begin earning miles on eligible bookings immediately. You may have only one Dyme Miles account, which is personal to you.

23.2 Earning Miles

You earn Dyme Miles at a base rate of 1 mile per $1 spent on eligible bookings and eligible gift card purchases made through Dyme.

Excluded from the earning calculation:

• Taxes, government-imposed charges, and supplier-imposed fees (only the base fare, room rate, or product price qualifies)
• Any portion of a transaction paid with Dyme Miles or other rewards currency
• Transactions that are subsequently cancelled or refunded

When miles post to your account:

• For travel bookings (hotels, flights, car rentals, activities): miles are credited after your trip is completed (typically shortly after your checkout or travel date).
• For Dyme Gift Cards purchases: miles are credited after the gift card has been fulfilled and any return window has passed.

If a transaction is subsequently refunded, charged back, or cancelled (in whole or in part), Dyme will reverse any miles posted for that transaction. If the reversal exceeds your then-current balance, your balance may go negative until offset by future earning.

Dyme reserves the right to define eligibility, modify earning rates, designate promotional earning bonuses, and exclude specific bookings, suppliers, or product categories from earning, at any time.

23.3 No Cash or Monetary Value; No Vested Rights

Dyme Miles have no cash or monetary value and cannot be exchanged for cash or redeemed for cash in any circumstance. Dyme Miles are not the property of the member. Accumulating Dyme Miles or any program status does not give you any vested or property rights and confers no rights except as expressly set out in these Terms. Dyme Miles are not transferable by operation of law and are not subject to attachment, garnishment, transfer or inheritance upon death, or division in any domestic-relations or other legal proceeding.

23.4 Redemption

Dyme Miles may be redeemed against eligible bookings through Dyme. There are no blackout dates, no award charts, and no minimum balance for redemption. You may pay with miles in full, with your payment card in full, or with any combination of miles and your card, subject to the redemption options presented at checkout.

23.5 Conversion to Other Programs

Dyme Miles may be eligible for conversion to certain partner rewards currencies (e.g., airline or hotel loyalty points), where Dyme makes such conversion available. Conversion rates, minimum amounts, and partner-specific terms will be disclosed at the time of conversion. Once converted, miles are subject to the receiving partner's rules and cannot be reversed. Dyme is not responsible for a partner program's availability, its conversion ratios, or the goods, services, or rewards the partner provides.

23.6 Non-Transferability

Dyme Miles are personal to the member who earned them. Miles may not be sold, bartered, traded, gifted, transferred, pooled, combined, or assigned to any other person, including family members or co-travelers, except through a process Dyme expressly authorizes. Any Dyme Miles sold, bartered, or transferred in violation of this Section are void, and Dyme may confiscate them, cancel any associated bookings, suspend the account, and terminate program membership.

23.7 No Expiration

Dyme Miles do not expire while your Dyme account remains open and in good standing. Your miles remain valid for as long as your account is open and in good standing, subject to Section 23.8 (Account Inactivity). Closing your account — by you, or by Dyme for cause or inactivity — results in the forfeiture of any unredeemed miles.

23.8 Account Inactivity

Your account is considered inactive if, for twenty-four (24) consecutive months, there is no qualifying activity on it — meaning no earning of miles, no redemption of miles, and no sign-in to your account. If your account remains inactive for that period, Dyme will close it, and any unredeemed Dyme Miles — including miles you have earned through bookings and eligible purchases — will be forfeited upon closure. Before closing an inactive account, Dyme will use commercially reasonable efforts to provide advance notice to the email address on file. Reactivation may be available at Dyme's discretion. This forfeiture applies to all Dyme Miles in the account, whether earned or purchased.

23.9 Fraud, Abuse, and Forfeiture

Dyme may suspend or terminate your Dyme Miles account, and forfeit any unredeemed miles, if Dyme determines in good faith that you have:

• Earned, attempted to earn, or used miles by fraud, misrepresentation, or other abuse
• Maintained multiple Dyme Miles accounts
• Transferred or attempted to transfer miles in violation of Section 23.6
• Engaged in conduct that is abusive toward Dyme employees, partners, or other members
• Violated these Terms or any program-specific terms

23.10 Tax Liability

You are solely responsible for any federal, state, local, or other taxes that may arise from your earning, conversion, or redemption of Dyme Miles. Dyme will issue tax reporting (e.g., Form 1099-MISC) where required by applicable law.

23.11 Right to Modify or Terminate the Program

Dyme reserves the right, in its sole discretion, to modify, suspend, or terminate the Dyme Miles program at any time, including by changing earning rates, redemption rules, conversion options, eligible bookings, or any other aspect of the program. Where a change materially reduces program benefits, Dyme will provide reasonable advance notice (typically by email and on the Services) before the change takes effect, except where a shorter notice is required by law or necessary to address a security or fraud issue. Continued use of the program after the effective date of a change constitutes acceptance. Changes may apply to Dyme Miles already accumulated. Dyme Miles have no value until redeemed, and Dyme does not guarantee the continued availability of any particular redemption, price, or conversion partner.

In the event Dyme terminates the program, unredeemed miles may be redeemed during a wind-down period of at least ninety (90) days before being forfeited.

23.12 Program Disputes

Decisions by Dyme regarding the interpretation and application of the Dyme Miles program rules are final. Disputes regarding miles balances, postings, or forfeitures are subject to the dispute resolution provisions in Section 15.

PART C — TERMS FOR BUSINESS CUSTOMERS (DYME FOR BUSINESS)

This Part applies when an organization ("Business Customer") uses Dyme for Business and to that organization's authorized administrators and users. It applies in addition to Parts A and D. Where an authorized user is acting for the Business Customer, references to "you" in Parts A and D include the Business Customer.

24. BUSINESS ACCOUNTS AND AUTHORITY

A Business Customer accesses Dyme through an organizational account. The individual who sets up or accepts the account represents that they are authorized to bind the organization to these Terms. The Business Customer is responsible for its authorized administrators, employees, and guests ("Authorized Users") and for their compliance with these Terms, and is responsible for all activity under its organizational account. The Business Customer must ensure that its Authorized Users are at least 18 years old and are made aware of the terms applicable to their use.

25. PROGRAM ADMINISTRATION AND AUTHORIZED USERS

The Business Customer's administrators may invite and manage members, set travel or spend policies, and view, manage, and report on bookings made under the organizational account, subject to the controls made available in the Services. The Business Customer is responsible for the accuracy of the user, traveler, and payment information it provides; for actions taken by its administrators; and for promptly removing Authorized Users who should no longer have access (for example, on employee offboarding). Dyme is not responsible for a Business Customer's internal decisions about who may access its account or make bookings.

26. FEES, BILLING, AND BUSINESS REWARDS

Where a paid plan, subscription, or order form applies, fees are billed as stated in that plan or order form, and the Business Customer is responsible for all charges incurred by its Authorized Users. Unless otherwise agreed in writing, fees are exclusive of taxes.

Business Rewards. Dyme may make rewards available to Business Customers and their travelers (for example, bonus Dyme Miles or incentives for lower-cost, more-sustainable choices). Where such rewards are funded by the Business Customer, they are provided on the terms set out in the applicable order form or program description (which may include a grant-then-invoice funding arrangement), and Dyme may modify or discontinue business rewards on reasonable notice. Rewards issued to individual travelers remain subject to Part B, including the Dyme Miles program terms.

27. DATA PROTECTION AND THE BUSINESS AGREEMENT

To provide Dyme for Business, Dyme processes personal data about the Business Customer's Authorized Users and travelers. Where Dyme processes such personal data on the Business Customer's behalf, a Data Processing Addendum ("DPA") governs that processing and is incorporated by reference where applicable. The Business Customer is responsible for having a lawful basis to share its Authorized Users' and travelers' information with Dyme and for informing them as required by law.

If the Business Customer and Dyme have entered into a separate written agreement (for example, a Business Agreement, Master Services Agreement, or Order Form), that agreement governs and prevails over these Terms to the extent of any conflict, for that Business Customer.

PART D — PRODUCT-SPECIFIC TERMS

These terms apply to specific products and apply in addition to Parts A–C.

28. DYME TRAVEL

Dyme Travel is Dyme's travel-booking service. Through dyme.earth and travel.dyme.earth, you can search for and book hotels, flights, car rentals, and activities through our travel-booking partners:

• Hotels and flights are fulfilled through Nuitee Travel ("LiteAPI").
• Car rentals and activities are fulfilled through Xeni.

When you place a booking, Dyme transmits the necessary information to the applicable partner, who then transacts with the underlying supplier (e.g., the hotel, airline, or car rental company). The supplier's terms (including cancellation, change, and refund policies) apply to your booking, in addition to these Terms. You agree to comply with all such supplier terms.

Information about travel options (including descriptions, availability, and pricing) is provided by the suppliers and aggregated by Dyme; the suppliers are responsible for its accuracy, and Dyme does not warrant it. You are responsible for providing accurate guest, traveler, and contact details for your booking.

Single Services, Not Packages. Dyme sells individual, independently selected travel services (for example, a hotel, a flight, or a car). Dyme does not sell or arrange combined travel packages, and the Services are not intended to constitute a "package" or "linked travel arrangement" under the EU Package Travel Directive (2015/2302), the UK Package Travel and Linked Travel Arrangements Regulations, or similar laws. Each service is booked separately under its own supplier's terms.

Merchant of Record. Dyme is not the merchant of record for travel bookings. Nuitee Travel is the merchant of record for hotel and flight bookings; Xeni is the merchant of record for car rental and activity bookings. The applicable merchant of record processes your payment, and the charge will appear on your credit or debit card statement under the merchant of record's name (for example, "NUITEE TRAVEL" or "XENI"). Refund and dispute requests for travel bookings should be submitted to Dyme support at hello@dyme.earth; Dyme will coordinate with the applicable merchant of record on your behalf, subject to the merchant of record's and the underlying supplier's terms.

Pricing, Currency, and Errors. Prices and availability come from suppliers and third-party sources and may change until your booking is confirmed. Some displayed prices may be rounded; you pay the actual, non-rounded price. Prices may be shown in a selected currency; your card issuer may apply its own exchange rate and foreign-transaction fees, and the merchant of record's charge currency governs. Obvious errors and misprints (including an obviously incorrect price) are not binding. Dyme or the applicable supplier or merchant of record may cancel a booking made at an obviously erroneous price, even after confirmation, and refund any amounts paid.

Travel Documents and International Travel. You are responsible for obtaining and carrying a valid passport, visa, government-issued identification, and any other documents required for your trip, and for complying with entry, health, vaccination, and other requirements of your destination and any transit countries. Dyme does not verify these requirements and is not liable for denied boarding, denied entry, or any resulting loss. Dyme does not represent or warrant that travel to any destination is advisable or without risk; you should review applicable government travel advisories. For air travel, a carrier's liability for death, personal injury, baggage, and delay may be limited by international treaties (including the Montreal Convention of 1999 and the Warsaw Convention) and by the carrier's own contract of carriage and tariff.

Booking Conduct. Bookings are for genuine travel by you or, for business customers, by the organization's Authorized Users and guests. You may not make speculative, false, or fraudulent bookings, and (except for a Business Customer booking for its own travelers) may not resell bookings. Dyme may cancel any booking that violates this paragraph.

Dyme acts as an intermediary. Subject to Sections 10 and 12, Dyme is not responsible for the acts, omissions, or conduct of any supplier or merchant of record, and any disputes regarding the underlying service (e.g., room condition, flight delays, vehicle quality) must be resolved with the supplier directly.

29. DYME GIFT CARDS

Through Dyme Gift Cards, you can purchase closed-loop, third-party gift cards. "Closed-loop" means the gift card is redeemable only at the merchant identified on the card (or that merchant's affiliated locations) and is not a general-purpose payment instrument.

Gift cards are issued and fulfilled by our gift card partners:

• Blackhawk Network — merchant of record for most direct retail gift card purchases
• Runa — fulfillment partner for bulk gift card purchases, gift cards purchased using Dyme Miles, and certain brand-specific paths

Different gift card brands and purchase flows may be handled by different partners. By placing a gift card order, you authorize Dyme and the applicable partner to process the purchase and to deliver the gift card to the email or delivery method you specify.

Merchant of Record. For most direct retail gift card purchases, the merchant of record is Blackhawk Network; these transactions appear on your credit or debit card statement under the descriptor "US-DYME-GC". For bulk gift card purchases, Dyme Miles redemptions for gift cards, and certain Runa-sourced brands, the merchant of record may be Runa or Dyme itself, and the statement descriptor may differ. Refund and dispute requests for any gift card purchase should be submitted to Dyme support at hello@dyme.earth; Dyme will coordinate with the applicable merchant of record on your behalf, subject to their terms.

Fees and Payment. You agree to pay the face value of any gift card, plus applicable taxes and any service or processing fees disclosed at checkout.

No Refunds. Gift card purchases are final. Except as required by law, neither Dyme nor our gift card partners guarantee any return or refund. Any exception is at our sole discretion. Merchant-specific gift card terms (including expiration, where permitted by law) apply to the use of the card.

Not a Gift Card Issuer. Dyme gift cards are subject to the terms of the designated merchant and/or its gift card issuer, which issue the cards and hold the associated liability. Dyme is not the issuer, is not responsible for the underlying gift card program, and makes no warranty regarding the goods or services obtainable with a gift card.

30. CONTACT US

Dyme Digital Inc.

1401 Lavaca Street, #593, Austin, TX 78701

Email: hello@dyme.earth

Privacy questions: privacy@dyme.earth

Copyright notices: copyright@dyme.earth

Phone: 1-218-438-3963