PGS Amusements, LLC Terms and Conditions

1. Acceptance of Terms

Welcome to Pandora Pay. These Terms and Conditions ("Terms") govern access to and use of the websites, mobile applications, accounts, user vaults, AI-generated digital art services, promotional social gameplay features, customer support tools, payment and redemption support features, and related products or services operated or made available by PGS Amusements, LLC ("PGS," "Company," "we," "us," or "our") under the Pandora Pay name or related brands (collectively, the "Services").

By creating an account, accessing the Services, purchasing digital art, participating in any promotional social gameplay feature, requesting a redemption, or otherwise using the Services, you agree to these Terms, the Privacy Policy, the Official Rules for any applicable promotion, and any additional terms presented to you. If you do not agree, do not create an account or use the Services.

Some Services may be subject to additional product terms, promotion-specific Official Rules, platform rules, third-party provider terms, or Brand-specific terms. If there is a conflict, the more specific terms will control for that product or promotion, except that these Terms will control with respect to general account, risk, compliance, payment, dispute, limitation of liability, and arbitration provisions unless expressly stated otherwise.

2. Company and Product Overview

Users may purchase premade or custom AI-generated digital art packages. Purchased art may be delivered to a user account, secure digital vault, download link, or other method made available through the Services.

PGS Amusements, LLC is the Sponsor and administrator of the promotional Sweeps Coin sweepstakes offered through the Services. PGS may make promotional Sweeps Coins available through approved promotional methods described in the Official Sweepstakes Rules. Sweeps Coins are promotional only; they are not sold, cannot be purchased directly, gifted, transferred, traded, or exchanged between users, and are not cash, deposits, stored value, or payment instruments. No purchase or payment is necessary to participate or win, and the purchase of Digital Art does not increase a participant’s opportunity of winning. Promotional gameplay, prize eligibility, and redemption are subject to these Terms, the Official Sweepstakes Rules, applicable game-specific rules, eligibility and verification requirements, and applicable law. PGS is not a bank, insured depository institution, credit provider,

broker, unrestricted money transmission provider, or gambling operator. Payment, card, banking, identity verification, payout, fraud prevention, geolocation, sanctions screening, AI generation, hosting, analytics, and similar services may be provided by third-party processors, banks, verification vendors, technology providers, and other service providers. Funds held, processed, transferred, reversed, restricted, or paid out through or in connection with the Services may be subject to the rules, availability, timing, and actions of those service providers.

4. Definitions

5. Eligibility and Account Creation

To create or maintain an Account, you must satisfy all eligibility requirements established by PGS, these Terms, the Official Rules, and applicable law. At a minimum, you must:

• be at least 18 years old, or older if required by the law of your jurisdiction or the applicable Official Rules;
• have legal capacity to enter into a binding agreement;
• provide truthful, complete, current, and accurate information;
• not be located in, or attempting to access the Services from a Jurisdiction. The following states are restricted jurisdictions: California, Connecticut, Delaware, Idaho, Indiana, Louisiana, Maine, Michigan, Montana, Nevada, New Jersey, New York, Tennessee, Utah, and Washington. PGS may add, remove, or modify jurisdictional restrictions as required by law, compliance review, platform capability, partner requirements, or Company policy.;
• not be listed on sanctions, terrorist, blocked-person, prohibited-person, or similar watchlists, including lists administered by the U.S. Department of the Treasury Office of Foreign Assets Control (OFAC);
• not have previously been suspended, terminated, self-excluded, or otherwise restricted by PGS unless PGS has expressly authorized reactivation in writing; and
• use the Services only for lawful, personal, and permitted purposes unless PGS has approved a Brand or business account. PGS may approve, reject, suspend, restrict, or terminate an Account at any time based on eligibility, identity verification, risk review, compliance obligations, service-provider requirements, legal restrictions, suspected misuse, or the limited availability of Services in a particular jurisdiction.

6. Identity, Age, Location, KYC, and Sanctions Verification

PGS may require identity, age, location, payment, sanctions, fraud, responsible social gameplay, or other verification at registration, before purchases, before participation in certain features, before redemption, when account information changes, and at any other time based on risk or legal requirements. Verification may be performed directly by PGS or through third-party vendors.

Individual Users may be asked to provide some or all of the following: legal name, date of birth, email address, phone number, residential address, physical location, government-issued identification, selfie or liveness check, device information, IP address, geolocation signals, payment-method information, tax information, and responses to verification or security questions. Brands may be required to provide business formation records, EIN or tax information, ownership and control information, business bank details, applicable licenses or legal opinions, responsible personnel, administrative users, sweepstakes or promotion rules, and other due-diligence materials. Participants must satisfy applicable physical-location requirements and any residence-based restriction if applicable law or an approved policy specifically requires one.

You authorize PGS and its Service Providers to collect, use, verify, screen, and retain information for identity, age, location, fraud prevention, sanctions, payment, tax, risk, consumer protection, legal, and compliance purposes as described in these Terms and the Privacy Policy. Failure to complete verification may result in restriction, suspension, denial of redemption, or account closure.

7. User Responsibilities and Account Security

You are responsible for maintaining the confidentiality and security of your login credentials, devices, authentication methods, and account activity. You agree to promptly notify PGS of any suspected unauthorized access, security issue, payment-method misuse, or inaccurate account information.

• You may not share, sell, lease, transfer, or permit another person to use your Account.
• You may not create duplicate, false, synthetic, automated, or nominee Accounts.
• You may not use a VPN, proxy, emulator, anonymizer, location-spoofing tool, device manipulation, or similar method to bypass eligibility, location, risk, or account controls.
• You are responsible for ensuring that your device, browser, internet connection, and security settings are suitable for accessing the Services.
• PGS is not responsible for losses caused by your failure to protect your credentials or device, except to the extent prohibited by law.

8. AI-Generated Digital Art Purchases

PGS may offer premade or custom AI-generated digital art packages for purchase. Pricing, package descriptions, delivery method, file type, usage terms, available features, and any promotional credits offered in connection with a purchase will be presented in the Services or applicable product page. Digital art purchases are separate from any free promotional method of entry and do not guarantee gameplay outcomes, prizes, rewards, redemption eligibility, or account approval.

Unless otherwise stated at purchase, digital art is delivered electronically through the Services, user vault, download link, or other method designated by PGS. Delivery times for custom art may vary based on user inputs, moderation review, technical limitations, third-party AI service availability, vendor outages, and processing queues.

As between PGS and the purchasing User, and subject to payment in full, these Terms, third-party restrictions, and applicable law, PGS assigns or grants to the User the rights in the delivered digital art that PGS is able to assign or grant. Because AI-generated content may involve evolving legal standards, similar outputs, third-party tools, and user-provided inputs, PGS does not guarantee that any digital art is unique, copyrightable, registrable, non-infringing, commercially suitable, or available for any particular use.

9. User Inputs, Custom Art, and Content Restrictions

Users are solely responsible for prompts, reference images, uploads, descriptions, instructions, names, likenesses, trademarks, copyrighted works, personal information, or other content submitted to the Services ("User Content"). You represent that you have all rights and permissions needed to submit User Content and to allow PGS and its Service Providers to process it to provide the Services.

You may not submit User Content or request outputs that are illegal, infringing, deceptive, defamatory, sexually exploitative, abusive, hateful, harassing, violent, invasive of privacy, designed to impersonate another person without permission, or otherwise prohibited by PGS policy, vendor requirements, or applicable law. PGS may reject, moderate, remove, refuse to generate, restrict, or delete content at its discretion or as required by law, vendor rules, or platform policy.

10. Promotional Sweeps Coins and Social Gameplay

PGS may offer Sweeps Coins or similar promotional credits for use in promotional social gameplay features. Sweeps Coins are promotional entries or credits only. They are not sold, cannot be purchased directly, cannot be transferred, have no independent cash value, and may be obtained only as described in the Services and Official Rules, including through free methods where available.

No purchase is necessary to obtain Sweeps Coins or participate in promotional gameplay where an alternative method of entry is offered. Purchasing digital art, purchasing a larger package, or making more frequent purchases does not guarantee that you will win, receive a prize, obtain a redemption, or receive more favorable treatment than a person using a free method of entry, except for promotional credits expressly disclosed in the Official Rules or purchase page.

Promotional gameplay is intended for entertainment. Outcomes are determined in accordance with the game rules, mechanics, and applicable Official Rules. Past outcomes do not predict future outcomes, and no strategy, purchase, play pattern, or duration of participation can guarantee a prize or reward.

11. Redemptions, Prizes, Verification, and Taxes

Where permitted by the Official Rules and applicable law, eligible promotional winnings or rewards may be redeemable for prize redemption only after PGS completes required eligibility, identity, age, location, sanctions, fraud, payment, tax, responsible social gameplay, and compliance review. PGS may establish minimum and maximum redemption amounts, redemption limits, processing times, fees, payment methods, documentation requirements, and other conditions disclosed in the Services or Official Rules.

PGS may delay, deny, reverse, offset, or cancel a redemption if PGS determines or reasonably suspects that the Account is ineligible, self-excluded, restricted, associated with duplicate or synthetic activity, located in a Restricted Jurisdiction, connected to fraud, chargebacks, abuse, Terms violations, sanctions concerns, prohibited payment activity, technical manipulation, or other risk indicators.

Redemption availability may depend on third-party payment or payout providers, verification vendors, banking partners, processing windows, risk review, and applicable law. PGS does not guarantee that any particular payment method, payout channel, timing, or redemption option will always be available.

You are solely responsible for taxes, forms, reporting, withholding, and recordkeeping associated with purchases, prizes, redemptions, business revenue, or other amounts received through the Services. PGS may request tax information and may issue tax forms or reports as required or permitted by law or payment-partner rules. Failure to provide required tax information may delay or prevent redemption.

For participants subject to Florida-specific restrictions, the maximum prize redemption value resulting from any single spin or play will not exceed five thousand U.S. dollars (US $5,000). Any amount above that maximum on a single play will not be allocated or paid to the extent required by PGS’s applicable Florida configuration and rules.

12. Payments, Fees, Refunds, Reversals, and Chargebacks

Purchases and payments may be processed by third-party payment processors, banks, card networks, digital wallet providers, or other financial service providers. By submitting a payment method, you authorize PGS and its Service Providers to charge, debit, authorize, settle, refund, reverse, or otherwise process transactions in accordance with these Terms, the displayed pricing, the applicable payment-method rules, and applicable law. PGS may use one or more Company-approved payment or payout providers.

PGS may charge fees for certain transactions, redemptions, Brand services, chargebacks, reversals, returned payments, expedited processing, or other Services if disclosed in the Services, dashboard, agreement, or applicable fee schedule. PGS may impose transaction limits, velocity limits, holding periods, review periods, reserve requirements, or other risk controls.

Unless otherwise required by law or stated in a written refund policy, digital art purchases are final once delivered or made available. Promotional credits, Sweeps Coins, bonus credits, and entries are not refundable, transferable, or redeemable except as expressly permitted by the Official Rules. If a chargeback, reversal, returned payment, disputed transaction, or payment-method misuse occurs, PGS may restrict the Account, reverse credits, withhold or offset redemptions, assess disclosed fees, require additional verification, or close the Account.

13. Responsible Social Gameplay

PGS supports responsible social gameplay and provides tools and resources described in the Responsible Social Gameplay Policy. Depending on availability, jurisdiction, account status, and stage of platform development, tools may include self-service or support-assisted activity reminders, purchase or participation limits, session limits, temporary breaks, self-exclusion, marketing suppression, and account closure options.

Users should treat promotional gameplay as entertainment only and should not view gameplay as a source of income or a solution to financial difficulty. PGS does not provide medical, psychological, financial, legal, or gambling-addiction counseling. Users who believe their participation is causing personal, financial, or emotional distress should stop using the Services and consider independent professional or support resources.

Self-exclusion, temporary breaks, permanent responsible-gameplay closures, and similar restrictions may limit purchases, gameplay, promotional participation, marketing communications, redemptions, reactivation, and new-account creation. PGS may use account, identity, device, payment, location, and risk signals to prevent circumvention of these restrictions.

14. Acceptable Use and Prohibited Conduct

You may use the Services only for lawful, authorized, and permitted purposes. You agree that you will not directly or indirectly:

• engage in fraud, deception, identity theft, synthetic identity activity, money laundering, terrorist financing, sanctions evasion, illegal gambling, illegal commerce, or other unlawful activity;
• use the Services from a Restricted Jurisdiction or attempt to bypass location, age, identity, risk, sanctions, payment, or eligibility controls;
• create, maintain, sell, lease, share, or control multiple Accounts without written authorization from PGS;
• use bots, scripts, automated tools, scraping, credential stuffing, emulators, device farms, collusion, coordinated play, bonus abuse, exploit hunting, or technical manipulation;
• attempt to reverse engineer, interfere with, overload, disrupt, test, scan, compromise, or gain unauthorized access to the Services or related systems;
• submit false, misleading, incomplete, stolen, or unauthorized information or documents;
• use stolen, unauthorized, prepaid, compromised, or third-party payment methods without authorization;
• harass, threaten, abuse, impersonate, or mislead PGS personnel, Service Providers, Brands, or other users;
• use the Services for illegal drugs, illegal weapons, human trafficking, sexual exploitation, counterfeit goods, prohibited adult content, illegal financial services, or other prohibited industries; or
• violate these Terms, the Official Rules, the Privacy Policy, the Responsible Social Gameplay Policy, applicable law, payment rules, or service-provider requirements.

15. Brands and Business Accounts

If PGS offers and approves a Brand or business account, the Brand must comply with these Terms, any separate agreement with PGS, all applicable laws, payment-partner requirements, data protection obligations, consumer protection requirements, and any promotion-specific requirements. Brand access is a privilege, not a right, and may be conditioned on enhanced due diligence, compliance approvals, reserves, transaction limits, technical controls, additional agreements, or availability of PGS resources and vendors.

Brands must, as applicable:

• provide accurate business, ownership, control, tax, banking, licensing, legal opinion, promotion, and risk information;
• maintain and publish clear Official Rules, eligibility terms, odds or prize disclosures, free-entry instructions, geographic restrictions, redemption terms, and customer support procedures;
• not operate unlawful gambling, misleading sweepstakes, unapproved gaming, prohibited payments, or restricted activity through the Services;
• maintain records of promotions, transactions, complaints, chargebacks, redemptions, refunds, and compliance decisions;
• respond to PGS compliance, risk, payment, legal, and technical requests within the timeframe specified by PGS;
• cooperate with investigations, audits, remediation, user disputes, regulatory inquiries, law enforcement requests, and payment-partner reviews; and
• indemnify PGS for claims, fines, losses, penalties, chargebacks, legal costs, or service-provider costs arising from the Brand's products, promotions, users, data, transactions, or legal violations.

16. Risk Monitoring, Suspension, Freezing, and Termination

PGS may monitor Accounts, purchases, gameplay, redemptions, devices, locations, payment activity, customer support interactions, Brand activity, and related data for fraud, abuse, identity risk, sanctions, chargebacks, technical manipulation, responsible-social-gameplay concerns, restricted-location activity, legal compliance, and service integrity.

PGS may restrict, suspend, freeze, close, terminate, deny verification, delay redemptions, cancel promotional credits, withhold access to features, reverse transactions, or require additional documentation without advance notice if PGS determines or reasonably suspects:

• fraud, abuse, duplicate-account activity, unauthorized payments, chargeback risk, or technical manipulation;
• ineligible, underage, self-excluded, restricted, or prohibited use;
• sanctions, money laundering, terrorist financing, prohibited-jurisdiction, or law enforcement concerns;
• violation of these Terms, Official Rules, payment-provider rules, or applicable law;
• risk to PGS, users, Brands, Service Providers, banks, payment processors, or the integrity of the Services; or
• a legal, regulatory, payment-partner, court, law enforcement, or service-provider request requiring action. Suspicious activity may be documented internally and escalated to counsel, payment processors, banks, Service Providers, law enforcement, regulators, or other appropriate parties where required or permitted. If an external suspicious activity report or similar regulatory report is required, it will be handled by the appropriately regulated or responsible party in accordance with applicable law. PGS may retain restricted funds, account records, and related information during investigations and as required for legal, compliance, fraud, chargeback, tax, or recordkeeping purposes.

17. Disputes, Refunds, Complaints, and Customer Support

Users should contact PGS customer support promptly if they believe an account action, purchase, delivery, redemption, payment, or gameplay record is incorrect. Billing problems or transaction discrepancies must be reported to PGS Customer Support within

thirty (30) days after the applicable transaction, subject to applicable law. PGS may require documentation, screenshots, transaction IDs, device information, bank or card statements, identification, or other information to investigate a complaint or dispute.

Disputes involving a Brand may need to be addressed first through the Brand's customer support or dispute procedure unless PGS determines that fraud, payment risk, Terms violations, consumer protection concerns, or compliance issues require PGS intervention. PGS may withhold, reverse, credit, debit, offset, or adjust amounts while a dispute is under review, subject to applicable law and service-provider rules.

A user's submission of a chargeback, payment dispute, or claim does not prevent PGS from investigating account activity, restricting the Account, reversing promotional credits, withholding redemptions, or seeking recovery of amounts owed where permitted by law.

18. Privacy, Data Security, and Communications

PGS collects, uses, discloses, retains, and protects information as described in the Privacy Policy and Data Protection Policy. By using the Services, you consent to electronic communications from PGS, including emails, text messages, push notifications, account notices, transaction alerts, legal notices, policy updates, marketing communications where permitted, and security communications. You may opt out of marketing communications as described in the Privacy Policy, but transactional, legal, security, and account-related notices may still be sent.

PGS uses reasonable administrative, technical, and organizational safeguards designed to protect information, but no system is completely secure. Users are responsible for protecting their credentials, devices, and communication channels. PGS may use vendors for hosting, payments, KYC/IDV, sanctions screening, fraud prevention, analytics, customer support, marketing, tax, and other operational functions.

19. Intellectual Property and Platform Rights

Except for rights expressly granted to users in delivered digital art, all Services, software, interfaces, designs, trademarks, trade names, logos, databases, methods, technology, content, code, analytics, game mechanics, business processes, and related intellectual property are owned by PGS or its licensors and are protected by applicable law. You may not copy, modify, reproduce, distribute, sell, reverse engineer, scrape, exploit, or create derivative works from the Services except as expressly permitted by PGS in writing.

PGS may use feedback, suggestions, ideas, error reports, or improvement requests submitted by users or Brands without restriction or compensation, provided PGS does not use personal information in violation of the Privacy Policy.

20. Third-Party Services and App Platforms

The Services may rely on or link to third-party websites, app stores, payment processors, banks, identity-verification vendors, AI service providers, analytics providers, cloud providers, messaging tools, or other services. PGS is not responsible for third-party services, outages, errors, delays, fees, policies, data practices, eligibility decisions, payment reversals, or content, except to the extent required by law or expressly agreed in writing.

If you access the Services through a mobile application marketplace or third-party platform, additional terms imposed by that platform may apply. Those third parties are not responsible for PGS products unless their own terms state otherwise.

21. Updates to Services and Terms

PGS may modify, suspend, discontinue, add, remove, or limit any Service, feature, promotion, payment method, redemption method, game, vendor, jurisdiction, fee, limit, or account control at any time.

PGS may update these Terms by posting a revised version in the Services, sending notice by email or in-app message, or using another reasonable method. Continued use of the Services after the effective date of revised Terms constitutes acceptance of the revised Terms. If a change materially limits user rights or materially changes dispute, arbitration, payment, redemption, or promotional terms, PGS may require re-acceptance or provide additional notice as appropriate. Promotion-specific Official Rules may change only as permitted by law and the applicable Official Rules.

22. Disclaimers

The Services, digital art, promotional features, games, payment tools, and all related content are provided on an "as is" and "as available" basis, except as expressly stated in writing. To the maximum extent permitted by law, PGS disclaims all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, title, non-infringement, availability,

accuracy, uninterrupted operation, error-free operation, uniqueness of AI-generated outputs, redemption availability, or suitability for commercial use.

PGS does not guarantee that the Services will be available at all times, that errors will be corrected immediately, that gameplay outcomes will meet user expectations, that digital art will be legally protectable, or that any payment, redemption, or verification request will be approved. Some jurisdictions do not allow certain disclaimers, so some disclaimers may not apply to you.

23. Limitation of Liability

To the maximum extent permitted by law, PGS and its owners, officers, directors, employees, contractors, affiliates, licensors, vendors, payment partners, and Service Providers will not be liable for indirect, incidental, consequential, special, exemplary, punitive, or enhanced damages; lost profits; lost data; loss of goodwill; business interruption; unauthorized access; chargebacks; payment delays; denied redemptions; restricted accounts; or similar losses arising from or related to the Services, even if PGS has been advised of the possibility of such damages.

To the maximum extent permitted by law, PGS's total aggregate liability for any claim arising from or relating to the Services or these Terms will not exceed the greater of (a) the fees paid by you to PGS for the specific Service giving rise to the claim during the ninety (90) days before the claim arose, or (b) one hundred U.S. dollars (US $100). This limitation does not limit liability that cannot be limited by law.

24. Indemnification

You agree to defend, indemnify, and hold harmless PGS and its owners, officers, directors, employees, contractors, affiliates, licensors, vendors, payment partners, and Service Providers from and against any claims, demands, losses, liabilities, damages, fines, penalties, settlements, costs, and expenses, including reasonable attorneys' fees, arising from or related to:

• your violation of these Terms, the Official Rules, the Privacy Policy, or applicable law;
• your User Content, prompts, uploads, custom art requests, or use of delivered digital art;
• your misuse of the Services or unauthorized access to another account or system;
• your fraud, chargebacks, payment disputes, unauthorized payment methods, or prohibited activity;
• your tax, reporting, or withholding obligations; or
• if you are a Brand, your products, promotions, users, official rules, data, transactions, customer complaints, regulatory matters, or legal compliance failures.

25. Informal Resolution, Arbitration, Class Waiver, and Governing Law

Before filing an arbitration or court proceeding, you and PGS agree to attempt to resolve disputes informally by providing written notice describing the dispute, requested relief, and contact information. The receiving party will have thirty (30) days to respond and attempt resolution, unless a shorter period is required by law or emergency relief is needed.

Except for disputes that may be brought in small claims court, claims seeking only individualized injunctive relief, or claims that cannot be arbitrated by law, any dispute, claim, or controversy arising out of or relating to these Terms, the Services, purchases, redemptions, promotions, payments, account restrictions, or communications will be resolved by binding arbitration administered by the American Arbitration Association under its applicable consumer or commercial rules, as appropriate.

Unless prohibited by law or modified by a written agreement, the arbitration will be conducted in Brevard County, Florida, or by video/telephone/desk arbitration if permitted by the arbitrator or applicable rules. These Terms are governed by the laws of the State of Florida, without regard to conflict-of-law principles, except that the Federal Arbitration Act governs the arbitration agreement.

You and PGS waive the right to a jury trial and agree that disputes will be resolved only on an individual basis. You and PGS may not bring or participate in any class, collective, consolidated, private attorney general, or representative action, except to the extent this waiver is unenforceable under applicable law. If any part of this arbitration or class waiver is found unenforceable, the remainder will be enforced to the maximum extent permitted.

26. Miscellaneous

These Terms, together with the Privacy Policy, Official Rules, and any additional terms or written agreements that apply to you, constitute the entire agreement between you and PGS regarding the Services. If any provision is found invalid or unenforceable, the remaining provisions will remain in effect. PGS's failure to enforce a provision is not a waiver. You may not assign or transfer your rights or obligations without PGS's prior written consent. PGS may assign these Terms in connection with a merger, acquisition, restructuring, sale of assets, transfer of the Services, or change in control.

PGS will not be liable for delay or failure caused by events beyond its reasonable control, including outages, cyber incidents, labor disputes, acts of God, severe weather, war, terrorism, public health emergencies, government actions, payment-network issues, vendor failures, banking restrictions, or regulatory changes. Headings are for convenience only and do not affect interpretation.

27. Contact Information

For questions about these Terms or the Services, contact: