Consumer Terms of Use

These Consumer Terms of Use (these "Terms") govern your access to and use of (a) the Katron AI consumer mobile application (the "Katron AI User App") and (b) the consumer-facing features made available through www.katronai.com (collectively, the "Consumer Services"). The Consumer Services are operated by KatronAI, Inc. (doing business as Katron AI) ("Katron AI," "we," "us," or "our"). By creating an account, clicking "I Agree" (or similar), completing an in-app purchase, or otherwise accessing or using the Consumer Services, you acknowledge that you have read and understood, and you agree to be bound by, these Terms.

1. Definitions

• "Account" means your Consumer Services account.
• "Consumer Services" has the meaning stated above.
• "KTN-R" means the utility rewards token used within the Katron AI network and recorded on Katron AI's private blockchain. KTN-R has no monetary value.
• "Merchant" means a participating merchant location enabled in the Katron AI network.
• "Services" means the Consumer Services and any related consumer-facing features, content, and functionality.
• "Third-Party Services" means services, software, platforms, or tools provided by third parties, including payment processors, gift card providers, analytics providers, and wallet infrastructure providers.
• "User Content" means content you submit through the Services (for example, reviews, comments, and receipt images).

2. Eligibility

2.1 Age requirement.

The Services are intended for individuals 18 years of age and older. By using the Services, you represent and warrant that you are at least 18.

2.2 Lawful use.

You may not use the Services if you are prohibited from doing so under applicable law.

3. Account Registration and Security

3.1 Accurate information.

You agree to provide accurate, current, and complete information during registration and to keep it updated.

3.2 One device per consumer account.

Your Consumer account may be used on one device only. We may restrict, block, or limit logins from additional devices.

3.3 Separate consumer and merchant identifiers.

A person may hold both a consumer account and a merchant account, but a consumer account may not share the same phone number or email address used for a merchant account.

3.4 Account security.

You are responsible for safeguarding your Account credentials and controlling access to your device. You agree to notify us promptly if you believe your Account has been compromised.

3.5 Account actions.

You are responsible for all activity conducted through your Account.

4. Geographic Availability

4.1 Rewards geography.

Rewards functionality is intended for use in the United States, subject to change.

4.2 Website access outside the U.S.

Certain website features (including gift card purchasing) may be accessible from outside the United States. We may change availability by location at any time.

5. Important Role Limitations (Payments and POS)

5.1 Not a payment processor.

Katron AI does not process payment card transactions for point-of-sale purchases.

5.2 No custody of funds for point-of-sale purchases.

Katron AI does not hold consumer funds for point-of-sale purchases.

5.3 No stored value or money services.

Katron AI does not issue stored value, prepaid access, or monetary instruments, and does not operate a money services business.

5.4 No Liability for Payment Disputes.

Katron AI is not responsible for chargebacks, refunds, reversals, or any disputes regarding point-of-sale purchases. Such matters are handled solely between you, the Merchant, and the applicable payment processor. You release Katron AI from any claims or liability arising from payment processing.

6. KTN-R Rewards Program

6.1 KTN-R overview.

The Services may provide a rewards program using KTN-R, a utility rewards token recorded on a private blockchain within the Katron AI network.

6.2 Consumer earning rate.

Subject to eligibility and verification, consumers generally earn 1 KTN-R for each $1 spent at participating Merchants on terminals connected to the Katron AI network.

6.3 Merchant-controlled discounts.

Discounts and offers are set by participating Merchants, and may vary or change.

6.4 No guaranteed value.

KTN-R has no guaranteed value.

6.5 No cash redemption.

KTN-R is not redeemable for cash.

6.6 No securities or investment.

KTN-R does not represent an investment contract, security, or ownership interest, does not convey profit rights, and is not intended for speculative use.

6.7 No external trading.

You may not sell, list, trade, exchange, or transfer KTN-R on external markets or exchanges.

6.8 Transfers within the network only.

If enabled, you may transfer KTN-R to other users within the Katron AI network.

6.9 Transfers are final; no reversals.

KTN-R transfers are final and irreversible, including in cases of mistake or suspected fraud. We may suspend accounts or restrict features, but transfers are not reversible.

6.10 Blocked transfers for flagged accounts.

We may block transfers to or from accounts that are flagged, restricted, suspended, terminated, or otherwise subject to risk controls.

6.11 No reward reversals for refunds/chargebacks.

KTN-R rewards are not reversed due to refunds, chargebacks, voids, or disputes relating to the underlying point-of-sale purchase.

6.12 Program changes.

We may modify, suspend, or terminate the rewards program, earning rules, redemption options, transfer features, or any KTN-R functionality at any time, including without notice, to the maximum extent permitted.

7. Receipt Verification and Transaction Matching

7.1 First-time claim process.

For first-time reward claims for a card (and in other circumstances), you may be required to scan a receipt and/or enter a receipt authorization code.

7.2 Verification elements.

To verify eligibility and deliver rewards, we may require limited verification elements including:

• receipt authorization code;
• transaction amount; and
• limited payment card verification data such as the first 6 digits and last 4 digits of the card used.

7.3 IP and Privacy Alignment.

Any receipt images or transaction data you submit constitute User Content and will be processed in accordance with our Privacy Policy.

7.4 Automatic rewards.

After successful verification, future eligible rewards may be delivered automatically for subsequent purchases made with the same card within the Katron AI network.

7.5 No guarantee of issuance.

We may deny or delay rewards issuance in cases of suspected fraud, system limitations, compliance concerns, or other risk controls.

8. Wallet and Private Keys

8.1 Non-custodial design.

Your account may generate a private key associated with your wallet.

8.2 You control the key.

You are solely responsible for securely storing your private key and any recovery materials.

8.3 No recovery.

We do not have access to your private key and cannot recover it. If you lose your private key, you may permanently lose access to associated KTN-R.

8.4 Allocation of Loss Risk.

You acknowledge that the loss of private keys or credentials may result in the permanent loss of KTN-R, and that Katron AI bears no responsibility for such loss.

8.5 Authentication.

We may support password and biometric authentication. You are responsible for device security.

9. Gift Cards

9.1 Third-party processing and fulfillment.

Gift card purchases may be processed and fulfilled by third-party providers.

9.2 Final sale once issued.

Gift cards are non-refundable once issued, except where required by applicable law.

9.3 Non-delivery exception.

If you are charged and a gift card is not delivered (or not made available) as expected, contact contact@katronai.com. We will review and, where appropriate, help facilitate replacement or resolution.

9.4 Fraud prevention.

We may refuse, limit, hold, or cancel gift card orders for suspected fraud, compliance, security, or operational reasons.

9.5 No KTN-R rewards for Website gift card purchases.

Gift card purchases made through www.katronai.com do not earn KTN-R rewards.

9.6 In-app eligibility only (gift cards).

If Katron AI offers KTN-R rewards for gift card purchases, such rewards are available only for eligible purchases completed through the Katron AI User App (or another in-app purchase flow that we expressly designate as eligible), and are subject to the applicable rewards rules.

10. User Content

10.1 User Content License.

If you submit User Content, you grant Katron AI a worldwide, non-exclusive, royalty-free, fully paid, transferable, sublicensable license to host, store, reproduce, modify (for formatting), display, distribute, and use the User Content in connection with operating, improving, promoting, and providing the Services.

10.2 Your responsibility.

You represent and warrant that you have all rights necessary to submit User Content and grant the license above.

10.3 Removal.

We may remove or restrict User Content at any time for compliance, quality, safety, fraud prevention, or operational reasons.

11. Prohibited Conduct

You agree not to, and not to attempt to: engage in fraud, manipulation, or abuse of the rewards program; exploit promotions or referrals; use bots, scraping, automation, or unauthorized data extraction; reverse engineer, bypass security measures, or interfere with service operation; use the Services for unlawful purposes or prohibited categories, including adult content, cannabis, firearms, or gambling; or use the Services in violation of applicable export control, sanctions, or anti-money laundering laws, including U.S. sanctions administered by OFAC.

12. Suspension and Termination

12.1 Our Right.

We may suspend, restrict, or terminate your access to the Services at any time for suspected fraud, suspected misuse, security reasons, compliance reasons, operational reasons, or violation of these Terms.

12.2 Effects of Termination.

Upon termination, your right to access the Services will immediately cease. Sections that by their nature should survive termination shall survive.

13. Intellectual Property

The Services, including software, designs, text, graphics, trademarks, and logos, are owned by Katron AI or its licensors. Except as expressly stated, no rights are granted to you.

14. Disclaimers

To the maximum extent permitted, the Services are provided on an "as is" and "as available" basis. We disclaim all warranties of any kind, whether express, implied, or statutory. Katron AI does not provide legal, tax, financial, or investment advice.

15. Limitation of Liability

To the maximum extent permitted:

15.1 No indirect damages.

We will not be liable for indirect, incidental, consequential, special, exemplary, or punitive damages, or for lost profits, lost revenue, lost data, loss of KTN-R, or loss of goodwill.

15.2 Liability cap.

Our total liability for all claims relating to the Services will not exceed the greater of (a) $100 or (b) the amounts you paid us (if any) for the Services in the 12 months before the event giving rise to the claim.

15.3 Third-party products.

We are not responsible for Third-Party Services (including payment processors, gift card providers, social login providers, and other third-party tools).

16. Dispute Resolution; AAA Arbitration; Class Action Waiver; Texas Venue Carveout

16.1 Governing law.

Texas law governs these Terms (without regard to conflict-of-law principles).

16.2 Agreement to arbitrate (AAA).

Except for eligible small-claims matters and injunctive relief/enforcement actions described below, disputes arising out of or relating to these Terms or the Services will be resolved by binding arbitration administered by the American Arbitration Association (AAA). This arbitration agreement is governed by the Federal Arbitration Act.

16.3 Small-claims carveout.

Either party may bring an eligible claim in small-claims court instead of arbitration.

16.4 Class action waiver.

Disputes must be brought only on an individual basis and not as a class, collective, or representative action.

16.5 Injunctive Relief & Enforcement of Arbitration Award.

Either party may seek injunctive relief in a court of competent jurisdiction to prevent irreparable harm pending arbitration. Additionally, either party may seek to confirm or enforce an arbitration award in the state or federal courts located in Fort Bend County, Texas, and both parties consent to the personal jurisdiction and exclusive venue of such courts for those limited purposes.

16.6 Arbitration details.

The arbitration rules, procedures, and fee terms will be those of AAA applicable to the dispute, as supplemented by these Terms.

16.7 Survival.

This Section 16 shall survive termination of these Terms.

17. Advertising; Marketing Technologies; Cookie Notice

17.1 Website cookies and analytics.

The Website may use cookies and similar technologies for essential functions, security, fraud prevention, and analytics/performance measurement. For more information, see our Cookie Notice.

17.2 Current advertising status.

As of the "Last Updated" date, we do not operate cross-context behavioral advertising (as defined under applicable U.S. state privacy laws) based on your activity on the Services.

17.3 Future advertising and remarketing.

We may implement marketing and advertising features in the future for our Website and/or our Apps, including remarketing/retargeting and similar practices. If we do, we will update our policies and provide you with choices where required by law.

17.4 Cross-device matching.

We do not currently engage in cross-device matching for advertising purposes. If we implement cross-device matching in the future, we may update disclosures and provide additional choices where appropriate.

17.5 Your choices.

If implemented, you may be able to manage preferences through browser/device settings, cookie banners (if enabled), and third-party tools.

18. Changes to These Terms

We may update these Terms from time to time. We may provide notice through the Services, by email, and/or by posting updated Terms. Continued use after the effective date constitutes acceptance.

19. Contact

KatronAI, Inc. (d/b/a Katron AI)
5727 Euclid Loop
Rosenberg, TX 77469

Email: contact@katronai.com
Phone: +1 (404) 444-7260

20. Miscellaneous

20.1 Assignment.

You may not assign these Terms without our prior written consent. We may assign these Terms without restriction in connection with a merger, acquisition, or sale of assets.

20.2 Severability.

If any provision is held invalid or unenforceable, it will be modified to the minimum extent necessary to make it valid and enforceable, and the remaining provisions will remain in full force.

20.3 No Waiver.

Our failure to enforce any right or provision is not a waiver of that right or provision.

20.4 No Third-Party Beneficiaries.

These Terms do not and are not intended to confer any rights or remedies upon any person other than you and Katron AI.

20.5 Entire Agreement.

These Terms, together with the Privacy Policy, Cookie Notice, and any Rewards Program Terms, constitute the entire agreement between you and Katron AI regarding the Consumer Services and supersede all prior agreements. In the event of a conflict, these Terms control over marketing materials.

20.6 Survival.

Provisions that by their nature should survive termination (including Sections 5.3, 5.4, 6, 7.3, 8.4, 10.1, 11, 12.2, 13, 14, 15, 16, and this Section 20) will survive.

20.7 Force Majeure.

We are not liable for any failure or delay in performance due to causes beyond our reasonable control.