1. Introduction and Scope

These Terms and Conditions ("Terms") govern your use of the Arctic Juice & Cafe mobile application (the "App"), including the pre-loaded wallet credit feature (the "Wallet") and the associated loyalty and rewards programme (the "Loyalty Programme"). Please read these Terms carefully before loading funds onto your Wallet or participating in the Loyalty Programme.

These Terms apply to customers located in the following jurisdictions:

• European Union (EU) member states

• Switzerland

• United Kingdom (UK)

• United States of America (USA)

Where the law of a specific jurisdiction imposes additional or different requirements, jurisdiction-specific provisions are set out in Section 13 and shall take precedence over the general provisions to the extent of any inconsistency.

By downloading and using the App, loading funds to your Wallet, or participating in the Loyalty Programme, you confirm that you have read, understood, and agree to be bound by these Terms. If you do not agree, please do not use the Wallet or Loyalty Programme features.

2. About Arctic Juice & Cafe

The App is operated by Arctic Juice & Cafe Holding SA, a company registered in Switzerland ("Arctic Juice & Cafe", "we", "us", or "our"). Our registered office is at Route de Verbier 23, Verbier, Switzerland, 1936. Further contact details are available at www.arcticjuicecafe.com/legal.

Arctic Juice & Cafe operates juice bars and coffee shops across its network of locations. The Wallet and Loyalty Programme are available only for use at participating Arctic Juice & Cafe outlets and are not redeemable at any third-party establishment.

3. Eligibility

1. To use the Wallet and Loyalty Programme, you must:

1. be at least 16 years of age (or such higher age as required by applicable law in your jurisdiction);

2. have a valid email address and mobile phone number;

3. create an Arctic Juice & Cafe account in accordance with our Account Terms; and

4. reside in one of the supported jurisdictions listed in Section 1.

2. We reserve the right to decline applications or close accounts where eligibility requirements are not met, or where we have reasonable grounds to suspect fraudulent or abusive activity.

4. The App Wallet — Pre-Loaded Credit

4.1  Loading Funds

3. You may load credit onto your Wallet via the payment methods made available in the App from time to time (which may include debit/credit cards, Apple Pay, Google Pay, and other digital payment providers).

4. The minimum top-up amount is £5 / €5 / CHF 5 / $5 USD (or local equivalent), and the maximum balance you may hold in your Wallet at any time is £500 / €500 / CHF 500 / $500 USD.

5. All funds loaded to the Wallet are denominated in the currency of your registered account jurisdiction. No interest or investment return shall accrue on Wallet balances.

6. By loading funds, you authorise us to debit the applicable payment method for the amount selected. You confirm that you are authorised to use the chosen payment method.

4.2  Using Your Wallet Balance

7. Wallet credit may be used to pay for eligible food and beverage items at participating Arctic Juice & Cafe outlets.

8. Wallet credit cannot be used to purchase gift cards or third-party products.

9. Transactions are deducted from your Wallet balance in real time at the point of purchase. If your Wallet balance is insufficient to cover the full order, you may pay the outstanding amount by another accepted payment method.

10. Wallet transactions are final once confirmed. Arctic Juice & Cafe is not responsible for purchases made on a lost or stolen device prior to you reporting it to us (see Section 9).

4.3  Wallet Validity and Expiry

11. Pre-loaded Wallet credit does not expire for a minimum of 24 months from the date of the most recent top-up or in-store transaction, whichever is later.

12. If your account is inactive (i.e., no top-up or purchase) for a continuous period of 24 months, we will notify you at least 60 days in advance before any balance reduction. Applicable jurisdiction-specific rules in Section 13 may extend these protections.

13. If we discontinue the Wallet feature, we will provide a minimum of 30 days' written notice and will arrange a full refund of any outstanding balance in accordance with Section 5.

5. Refunds and Withdrawals

14. Wallet credit is generally non-refundable once loaded, except as required by applicable consumer law in your jurisdiction. Applicable jurisdiction rules are set out in Section 13.

6. Loyalty and Rewards Programme

6.1  Earning Loyalty Points

15. By paying with your Arctic Juice & Cafe Wallet (pre-loaded credit), you will earn Loyalty Points on eligible purchases at a preferential rate (the "Wallet Rate"), which is set at a higher earning rate than payments made by any other method.

16. Current earning rates are published in the App and on our website and may be updated from time to time with reasonable notice. The applicable rate on any transaction is the rate in effect at the time of purchase.

17. Points are credited to your account within 24 hours of a qualifying transaction. Arctic Juice & Cafe reserves the right to reverse points awarded in error or in connection with fraudulent activity.

6.2  Loyalty Tiers

Wallet users are enrolled in the Arctic Rewards Programme and may progress through the following tiers based on cumulative spending over a rolling 12-month period: Rookie, Guide, Explorer, and GOAT. Tiers are reviewed monthly and may be adjusted based on rolling 12-month spend.

6.3  Redeeming Points

18. Points may be redeemed against eligible purchases in the App or at the point of sale, subject to a minimum redemption threshold of 100 points.

19. Points cannot be redeemed for cash, transferred between accounts, or sold. Points have no monetary value outside the Loyalty Programme.

20. Points redeemed cannot be reversed except in the case of a cancelled or refunded transaction (see Section 5.3).

6.4  Wallet Validity and Expiry

21. Pre-loaded Wallet credit does not expire for a minimum of 24 months from the date of the most recent top-up or in-store transaction, whichever is later.

22. If your account is inactive (i.e., no top-up or purchase) for a continuous period of 24 months, we will notify you at least 60 days in advance before any balance reduction. Applicable jurisdiction-specific rules in Section 13 may extend these protections.

23. If we discontinue the Wallet feature, we will provide a minimum of 30 days’ written notice and will arrange a full refund of any outstanding balance in accordance with Section 5.

6.5  Programme Changes

24. Arctic Juice & Cafe reserves the right to amend, suspend, or discontinue the Loyalty Programme, including earning rates, tier thresholds, and redemption values, at any time. We will provide at least 30 days' notice of any material change via the App and by email.

25. If we discontinue the Loyalty Programme entirely, we will provide a 60-day redemption window during which all accrued points may be used, after which any remaining points will be cancelled without compensation.

7. Account Security

26. You are responsible for maintaining the confidentiality of your App login credentials and for all activity that occurs under your account.

27. You must not share your account, login credentials, or QR code with any other person.

28. If you suspect unauthorised access to your account, you must notify us immediately via the in-App help function. We will take reasonable steps to suspend your account pending investigation.

29. Arctic Juice & Cafe will never ask you for your full password, PIN, or payment card details via email or telephone.

30. We are not liable for losses arising from unauthorised use of your account where you have failed to keep your credentials secure, except where required by applicable law.

8. Data Protection and Privacy

31. The personal data we collect in connection with the Wallet and Loyalty Programme is processed in accordance with our Privacy Policy, available at www.arcticjuicecafe.com/privacy.

32. We process personal data for the purposes of operating the Wallet, managing your Loyalty Programme membership, communicating with you about your account, and complying with legal obligations.

33. Your data may be transferred to and processed in countries outside your home jurisdiction. Where such transfers occur, we implement appropriate safeguards (including, where applicable, Standard Contractual Clauses or equivalent mechanisms).

34. You have rights in relation to your personal data including the right to access, correct, delete, or restrict processing, and the right to data portability. Please refer to our Privacy Policy and the jurisdiction-specific provisions in Section 13 for more detail.

35. We do not sell your personal data to third parties. We may share your data with trusted service providers acting on our behalf who are bound by appropriate data processing agreements.

9. Lost or Stolen Devices

36. If your device is lost or stolen, you should contact us immediately so that we can suspend access to your Wallet and Loyalty account via the App.

37. You may also remotely lock or log out of your account via the App security settings.

38. We will not be liable for Wallet expenditure or point redemptions made by a third party prior to you reporting the loss or theft to us, except to the extent required by applicable law or where our negligence contributed to the loss.

10. Limitation of Liability

39. To the fullest extent permitted by law, Arctic Juice & Cafe shall not be liable for any indirect, incidental, consequential, or punitive loss or damage arising out of or in connection with your use of the Wallet or Loyalty Programme, including loss of data, loss of profits, or business interruption.

40. Our total aggregate liability to you in connection with these Terms shall not exceed the value of your Wallet balance at the time the claim arises, or £100 / €100 / CHF 100 / $100 USD, whichever is greater.

41. Nothing in these Terms shall limit or exclude our liability for death or personal injury caused by our negligence, fraud, or any other liability that cannot be excluded by law.

Consumer protection laws in the EU, UK, Switzerland, and USA may give you rights that cannot be excluded or limited. These Terms do not affect those rights.

11. Amendments to These Terms

42. We may update these Terms from time to time. If we make a material change, we will notify you via the App and by email at least 30 days before the change takes effect.

43. Your continued use of the Wallet or Loyalty Programme after the effective date of any revised Terms constitutes your acceptance of those Terms.

44. If you do not accept revised Terms, you may close your account and request a refund of your Wallet balance in accordance with Section 5 before the effective date.

12. Governing Law and Dispute Resolution

45. These Terms are governed by the law applicable in your jurisdiction of residence, as further set out in Section 13.

46. We encourage you to contact us in the first instance at org@arcticjuicecafe.com to resolve any disputes informally. We will aim to respond within 10 business days.

47. If a dispute cannot be resolved informally, the jurisdiction-specific dispute resolution mechanisms in Section 13 shall apply. Nothing in these Terms prevents you from seeking emergency relief before a competent court.

13. Jurisdiction-Specific Provisions

The provisions in this Section apply in addition to, and in the event of any conflict take precedence over, the general provisions above.

13.1  European Union

These provisions apply to customers residing in EU member states.

• Governing Law & Courts: These Terms are governed by the law of the EU member state in which you reside. You may bring proceedings in the courts of your country of residence.

• Right of Withdrawal: Where Wallet top-up transactions qualify as distance contracts under Directive 2011/83/EU, you have a 14-day right of withdrawal from the date of the transaction, unless the service has been fully performed and you expressly consented to performance beginning within the withdrawal period. Requests must be made via our online withdrawal form at www.arcticjuicecafe.com/withdrawal.

• E-Money: Where pre-loaded credit constitutes electronic money under Directive 2009/110/EC (the E-Money Directive), you have the right to redeem the monetary value of your Wallet balance at any time at par value. We will not impose fees on redemption within 12 months of loading, and any fees thereafter will be disclosed in the App.

• Data Protection: We process your personal data in accordance with Regulation (EU) 2016/679 (GDPR). You may exercise your rights under GDPR by contacting our Data Protection Officer at dpo@arcticjuicecafe.com. You also have the right to lodge a complaint with your national data protection authority.

• Alternative Dispute Resolution (ADR): If your complaint is not resolved, you may use an EU-approved ADR entity or the EU Online Dispute Resolution (ODR) platform at https://ec.europa.eu/consumers/odr.

• Consumer Rights: Your rights as a consumer under applicable EU consumer protection law (including Directive 2019/770 on digital content and services) are not affected by these Terms.

13.2  Switzerland

These provisions apply to customers residing in Switzerland.

• Governing Law & Courts: These Terms are governed by Swiss law. Disputes shall be submitted to the exclusive jurisdiction of the courts of your canton of residence, without prejudice to your mandatory consumer rights.

• Right of Withdrawal: Swiss federal law (in particular the Federal Act on Distance Selling) may provide you with a right of revocation of up to 14 days for certain distance contracts. We will inform you of any applicable revocation right at the time of the transaction.

• Data Protection: We process your personal data in accordance with the Swiss Federal Act on Data Protection (nFADP / revDSG, in force from 1 September 2023). You have the right to access, correct, and request deletion of your personal data. Please contact datenschutz@arcticjuicecafe.com.

• Language: In case of any discrepancy between language versions of these Terms, the English version shall prevail. A German, French, and Italian version will be made available in the App.

• Consumer Complaints: You may contact the Swiss Consumer Arbitration Board (SchKG / Schlichtungsstelle) for assistance in the event of an unresolved dispute.

13.3  United Kingdom

These provisions apply to customers residing in the United Kingdom.

• Governing Law & Courts: These Terms are governed by the laws of England and Wales. You may bring proceedings in the courts of England and Wales, or, if you reside in Scotland or Northern Ireland, the courts of your country of residence.

• Right of Withdrawal: Where applicable under the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013 (CCRs), you have a 14-day right to cancel a Wallet top-up transaction made at a distance. However, by requesting immediate performance of the digital service, you acknowledge that your right of cancellation may be lost once performance has begun.

• E-Money: Pre-loaded Wallet credit may constitute electronic money within the meaning of the Electronic Money Regulations 2011. You are entitled to redeem your Wallet balance at par value at any time. Redemption requests should be made to org@arcticjuicecafe.com.

• Consumer Rights Act 2015: Your statutory rights under the Consumer Rights Act 2015, the Consumer Protection from Unfair Trading Regulations 2008, and any other applicable UK consumer legislation are not affected by these Terms.

• Data Protection: We process your personal data in accordance with the UK GDPR and the Data Protection Act 2018. Our UK Data Protection Officer can be contacted at dpo@arcticjuicecafe.com. You may complain to the Information Commissioner's Office (ICO) at www.ico.org.uk.

• ADR: If your complaint is not resolved, you may contact the UK Financial Ombudsman Service (if applicable to e-money services) or an approved ADR scheme as notified to you.

• Financial Services: We are not a bank or authorised deposit-taker. Wallet balances are not protected by the Financial Services Compensation Scheme (FSCS).

13.4  United States of America

These provisions apply to customers residing in the USA.

• Governing Law & Courts: These Terms are governed by the laws of the State of Delaware, without regard to conflict of law principles, except where applicable state consumer protection law in your state of residence provides for different treatment.

• Gift Cards and Stored Value: Pre-loaded Wallet credit may be subject to federal and/or state stored value/gift card laws. To the extent required by applicable law (including the Credit Card Accountability Responsibility and Disclosure (CARD) Act of 2009 and applicable state gift card laws), Wallet balances will not expire for a minimum of five (5) years from the date of loading or last use, and we will not charge inactivity fees for a minimum of twelve (12) months of inactivity.

• State-Specific Escheat / Unclaimed Property: Unclaimed Wallet balances may be subject to state unclaimed property (escheat) laws. Where required, we will remit unclaimed balances to the applicable state authority. You may reclaim such amounts through the relevant state authority.

• Arbitration Agreement: Any dispute, claim, or controversy arising out of or relating to these Terms or the Wallet and Loyalty Programme shall be resolved by binding individual arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules, except that either party may seek emergency equitable relief in a court of competent jurisdiction. YOU WAIVE YOUR RIGHT TO PARTICIPATE IN A CLASS ACTION LAWSUIT OR CLASS-WIDE ARBITRATION. This arbitration provision does not apply if you opt out within 30 days of first using the Wallet by sending written notice to legal@arcticjuicecafe.com.

• Data Privacy: We comply with applicable US federal and state privacy laws, including the California Consumer Privacy Act (CCPA) / CPRA for California residents, the Colorado Privacy Act (CPA), the Virginia Consumer Data Protection Act (VCDPA), and other applicable state privacy laws. California residents have the right to know, delete, opt out of sale/sharing, and correct personal information. To exercise your rights, please visit www.arcticjuicecafe.com/privacy or contact privacy@arcticjuicecafe.com.

• No Financial Institution: Arctic Juice & Cafe is not a bank, money transmitter, or financial institution. The Wallet is a closed-loop stored value account for use exclusively at Arctic Juice & Cafe outlets and is not insured by the FDIC or any government agency.

• Taxes: You are responsible for any applicable federal, state, or local taxes in connection with your use of the Wallet or receipt of Loyalty rewards. We may report the value of rewards to tax authorities where required by law.

14. General

48. Entire Agreement: These Terms, together with our Privacy Policy and any other terms incorporated by reference, constitute the entire agreement between you and Arctic Juice & Cafe in relation to the Wallet and Loyalty Programme and supersede all prior agreements and representations.

49. Severability: If any provision of these Terms is found to be invalid or unenforceable, that provision shall be modified to the minimum extent necessary to make it valid and enforceable, and the remaining provisions shall continue in full force and effect.

50. Waiver: No failure or delay by us in exercising any right under these Terms shall constitute a waiver of that right.

51. Assignment: You may not assign or transfer your account, Wallet balance, or Loyalty Points to any other person. We may assign our rights and obligations under these Terms to a successor entity, provided that your rights as a consumer are not diminished as a result.

52. Language: These Terms are made available in English. If translated versions are provided, the English version shall prevail in the event of any inconsistency, except where required otherwise by applicable law.

53. Contact: If you have any questions about these Terms, please contact us at: org@arcticjuicecafe.com or Arctic Juice & Cafe Holding SA, Customer Services, as detailed on our website.

© 2026 Arctic Juice & Cafe Holding SA. All rights reserved.

www.arcticjuicecafe.com  |  org@arcticjuicecafe.com