1. Platform Overview & No Investment Disclaimer

UniGrat is a commerce infrastructure platform that enables businesses to fund rewards and sales incentives tied to real economic activity.

2. Eligibility & Account Requirements

To use UniGrat, you must:

• Be at least 18 years old
• Provide accurate and complete information during registration
• Maintain the security of your account credentials

3. Vendor & Business Eligibility

Only businesses that operate legally and in compliance with applicable laws may use the platform as vendors. Businesses must be properly registered where registration is required by law in their jurisdiction(s).

• UniGrat's right to investigate: UniGrat has the right to investigate any business on the platform to verify legality, registration, and compliance with these rules.
• UniGrat's right to remove: UniGrat has the right to suspend or remove any business that conducts illegal activities or carries out activities not allowed by the government or relevant authorities in their jurisdiction.
• Vendor profile approval: Vendor profiles must be approved by UniGrat before they are published and visible to users.

All businesses must comply with laws and regulations applicable to their industry and location. Activities not permitted by government or regulation are prohibited on the platform.

Vendor sub-accounts (team members): A vendor may have multiple users (team members) managing the same business. Only the account owner may change the business's VAT number and business registration number; team members cannot edit these fields. This ensures one legal entity per business and prevents misuse of shared credentials.

4. Rewards System

Pending Status: All rewards start in Pending status. This means:

• The reward is recorded but no entitlement exists yet
• No payment has been made
• The vendor is not yet billed
• Rewards may be cancelled during the confirmation window

7-Day Review Period: Both vendors and users have 7 calendar days to:

• Confirm delivery of service or product
• Cancel or dispute pending rewards
• Provide proof if requested

Lock-In on Day 8: After 7 days, pending amounts become billable to vendors and rewards are finalized.

5. Loyalty Rewards

Loyalty rewards are granted by businesses to customers for engagement, repeat usage, or continued relationship.

• May be issued as credits, discounts, or internal balances
• Loyalty rewards may NOT be redeemable for cash unless explicitly stated
• Are business-funded incentives, not payment instruments

6. Sales Rewards (Introduction Rewards)

Sales rewards are granted for successful introductions that result in verified attendance, engagement, or transactions.

• Sales rewards are NOT paid for invitations alone
• All sales rewards are subject to verification and audit
• Are performance-based, not automatic

7. Network Reward Sharing (15%)

If you are connected to a referral network, 15% of all rewards is automatically allocated to your network uplines. This rule:

• Only applies if you have upline referrers (those who introduced you)
• If you have no upline referrers, you keep 100% of your rewards
• If you have upline referrers, applies in all cases, including when vendors also pay sales rewards
• Cannot be opted out of when uplines exist
• Is calculated before any other distributions

8. Cross-Referral Introductions

When generating a QR code for a vendor transaction, you may declare which introducer referred you to that specific vendor. This referral relationship:

• Must be declared before your first transaction with that vendor
• Can only be declared for UniGrat users who are registered introducers
• Is locked after first declaration and cannot be changed for that vendor
• Is unique per vendor - you may have different referrers for different vendors
• Vendors cannot refer their own business: The account owner and any team members linked to a vendor cannot be declared as the referrer for that vendor. Cross-referral rewards are for third-party introducers only; this prevents self-reward and team-reward for the same business.

First-Declared Rule: If you've already transacted with a vendor, you cannot declare a new referrer. Only the first introducer declared for a specific vendor will receive referral rewards.

9. Minimum Threshold & Use of Rewards

Rewards may be used only after reaching $10 minimum balance.

10. Prohibited Activities

You agree not to:

• Engage in fraud, abuse, or manipulation of the rewards system
• Create self-referrals or use bots to generate rewards
• Violate any applicable laws or regulations
• Interfere with the platform's operation or security
• Share your account credentials with others
• Engage in artificial engagement or fake transactions
• Operate or represent an illegal or unregistered business on the platform, or use another business's VAT or registration details without authorisation

11. Account Suspension & Termination

UniGrat-Initiated Suspension: UniGrat reserves the right to suspend or terminate your account if:

• You violate these Terms & Conditions
• Fraud or abuse is detected
• You fail to complete required verification
• You engage in prohibited activities
• Misrepresentation or artificial engagement is suspected
• You operate as or represent an illegal or unregistered business, or conduct activities not permitted by government or law (see Section 3)

User-Initiated Account Cancellation: You may cancel your account at any time, subject to the following requirements:

• Your account balance must be $10 or less (withdraw or use remaining balance first)
• You must have Two-Factor Authentication (2FA) enabled
• You must verify cancellation with a valid 2FA code
• You must confirm cancellation via email verification link

12. Communications & Notifications

By using UniGrat, you agree to receive the following communications:

• Weekly Summary Emails: Sent every Monday with your rewards activity, account balance, and important updates. Cannot be disabled while your account is active.
• Security Alerts: Important security notifications including login from new devices, password changes, 2FA updates, and suspicious activity. Cannot be disabled for your protection.
• Transaction Confirmations: Notifications about reward transactions, payments, and account changes.
• Service Updates: Important platform updates, policy changes, and maintenance notifications.
• Booking and contact verification (double opt-in): When a vendor marks your email to receive booking confirmations and reminders, we send a single confirmation email with a link. We only treat your email as verified and send further emails after you click that link (double opt-in). You may unsubscribe from that email without having a UniGrat account.

13. Platform Fees

UniGrat may deduct applicable fees before distribution, including:

• Fixed platform fee: $0.25
• Variable platform fee: 1%
• Payment processing fees
• Applicable VAT or sales taxes

Fees vary by jurisdiction and payment method. You will be notified of applicable fees before transactions are processed.

14. Vendor subscription plans – included SMS

Vendor subscription plans (Free, Availability Only, Full Booking) include a set number of SMS messages per subscription period. This is the total amount of SMS that may be used for the duration of the current subscription (e.g. until the next renewal or payment). Once the included number is reached, the vendor must pay for a new subscription or purchase additional SMS as offered by UniGrat to continue receiving SMS notifications (e.g. for new bookings).

Included SMS per subscription period, by plan:

• Free: 0 SMS
• Availability Only: 208 SMS
• Full Booking: 70 SMS

These amounts apply per subscription period. Once the included SMS are used, the vendor must top up to continue receiving SMS (e.g. booking confirmations). Top-ups are purchased through the UniGrat platform and paid via Mollie; details and pricing are available on the UniGrat Services page and in the vendor dashboard.

SMS rates (top-up and overage): Sending an SMS via UniGrat costs €0.10 per message; receiving a reply from the customer costs €0.02 per message. These rates may be updated; current rates are shown in the vendor dashboard and on the UniGrat Services page.

Vendors may contact customers via their own phone at any time; the included SMS and top-up apply only to messages sent and received through the UniGrat platform.

15. No Guarantees

UniGrat does not guarantee that rewards will be earned, confirmed, or available for use. Rewards depend on vendor participation, confirmation, and payment. The platform acts as a neutral technology provider and does not arbitrate private disputes unless legally required.

16. Tax & Reporting

You are responsible for determining and paying any taxes that may apply to rewards or payouts in your jurisdiction.

• UniGrat may report payouts where legally required
• Rewards may be classified differently by jurisdiction
• Consult a tax professional for guidance on your specific situation

17. Limitation of Liability

To the maximum extent permitted by law, UniGrat shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses.

18. Changes to Terms

UniGrat reserves the right to modify these Terms & Conditions at any time. Material changes will be notified to users via email or platform notification. Continued use of the platform after changes constitutes acceptance of the modified terms.

19. Regulatory Classification (EU)

20. Governing Law

These Terms & Conditions are governed by and construed in accordance with applicable laws. Any disputes shall be resolved through appropriate legal channels.

21. Contact

For questions about these Terms & Conditions, please contact: