Effective Date: 15 October 2026 These Terms of Service govern your use of NextCards, including its marketplace, online booster pack opening service, embedded wallet integration, and physical card submission, custody and redemption services. Please read them before opening an account or making a transaction. NextCards is operated by NextCards PTE LTD, UEN 202644608D. In these Terms, “NextCards”, “we”, “us” and “our” mean that company. “You” means the individual using our services. Contact us at nextcardspteltd@gmail.com.

1. Agreement and scope

1.1 By affirmatively accepting these Terms when registering or when otherwise prompted, you agree to them. If you do not agree, do not create an account or enter into a transaction. 1.2 Our services allow eligible users to submit physical trading cards for authentication and custody, receive associated non-fungible tokens (“NFTs”), purchase and open physical booster packs online, trade eligible collectibles on the marketplace, and redeem associated physical cards. 1.3 An “Associated Card” is the specific physical card identified in the records for an NFT issued through NextCards. Each active, redeemable NFT corresponds to one Associated Card. An NFT is not a fractional interest in a pool of cards. 1.4 These Terms apply alongside the transaction details shown before you confirm a purchase, sale, submission or redemption. Those details identify the item, seller where relevant, price, applicable charges and any specific conditions. They cannot remove rights that applicable law makes mandatory. 1.5 Our Privacy Policy explains our handling of personal data and is available at Privacy Policy. Accepting these Terms does not, by itself, constitute consent to optional marketing.

2. Eligibility and geographic availability

2.1 You must be at least 18 years old and have the legal capacity to enter into these Terms and the transactions you undertake. Where a higher age or additional eligibility requirement applies under relevant law or a service provider’s rules, that requirement also applies. 2.2 You may use an account only for yourself unless we expressly approve another arrangement. You must give accurate information and promptly update material changes. 2.3 Access is not restricted to Singapore residents. However, availability of accounts, purchases, payments, withdrawals, submissions and deliveries depends on the country concerned, applicable law and provider support. We may restrict particular locations or features where reasonably necessary for legal or operational reasons. 2.4 You must not use the services where doing so is prohibited, misrepresent your location or eligibility, or bypass geographic or sanctions restrictions. Nothing in these Terms removes our own obligations under applicable law.

3. Accounts and embedded wallets

3.1 NextCards integrates wallet technology supplied by Privy to create an embedded wallet associated with your account. Relevant Privy terms and privacy information will be made available when you use that service. 3.2 Wallet control disclosure: (a) Wallet ownership and export. Your embedded wallet is provided through Privy. You may export your wallet using the supported export function, use it with a compatible external wallet application, and transfer your NFTs or XSGD to an external wallet, subject to supported networks and the applicable collectible and redemption terms. NextCards personnel do not have access to your wallet’s private keys. You are responsible for protecting any keys or recovery information you export. (b) Automatic transactions and limited offer authority. When you proceed with a purchase, sale, NFT transfer or marketplace offer, you authorise the actions necessary to carry out that instruction on the terms disclosed to you. These actions may be processed automatically without a separate wallet confirmation for every step. By placing a marketplace offer, you authorise its execution and settlement if the seller accepts it in accordance with the offer’s terms, including while you are offline. Any authority granted to NextCards for this purpose is limited to implementing that authorised offer and does not give NextCards general authority to withdraw, redirect or transfer your XSGD for other purposes. Settlement of an authorised offer may nevertheless involve the transfer of XSGD in accordance with your prior instruction. The scope, duration and method of revoking any continuing delegated permission must be disclosed when that permission is requested. (c) Coinbase funding and withdrawals. Bank funding, conversion and withdrawal services are provided through Coinbase, subject to its terms, verification requirements and supported services. NextCards does not operate or control Coinbase’s processing of those transactions. These services are distinct from payments made to settle marketplace transactions you have authorised. Clause 4 applies to payment availability, charges and settlement. (d) Recovery assistance. Wallet recovery depends on the Privy authentication and recovery options available for your wallet and your ability to satisfy their requirements. If you lose access, contact NextCards at nextcardspteltd@gmail.com. We can assist you with the applicable support process, including contacting Privy where appropriate, but neither access restoration nor asset recovery is guaranteed. Loss of access to a primary login method may make recovery unavailable. (e) Suspension or closure. If your NextCards account is suspended or closed, you will not be able to access the embedded wallet through your NextCards account. Contact NextCards for assistance with available access, export or asset-transfer arrangements, subject to appropriate verification and lawful restrictions. Any access you have already established through an exported wallet is separate from access through NextCards and remains subject to the relevant wallet, network and token restrictions. Suspension or closure does not, by itself, transfer ownership of your assets to NextCards or extinguish your rights under these Terms. Clause 17 applies to account restrictions and closure. 3.3 You must protect your account, authentication methods, devices and any wallet recovery information. Notify us promptly if you suspect unauthorised access. Do not give another person your login codes or recovery credentials. 3.4 By confirming a transaction, you authorise the particular actions and charges disclosed for that transaction. Any continuing or delegated wallet authority requires a separate, clear disclosure of its scope. These Terms do not give us unrestricted authority to transfer your assets. 3.5 We will investigate reported unauthorised transactions and provide reasonable assistance. Responsibility depends on the circumstances, including any failure by you, us or a service provider to meet applicable obligations. You are not automatically responsible for every transaction merely because it originated from your account. 3.6 Wallet recovery and access depend on the configuration disclosed under clause 3.2. We cannot promise recovery where the necessary credentials or technical capability are unavailable.

4. Payments and marketplace fees

4.1 The only currency accepted for marketplace purchases and online booster pack purchases is supported XSGD on the blockchain network identified in the payment interface. Use only the network and official token contract shown there. Unsupported tokens, networks or bridged versions may not be accepted or recoverable. 4.2 XSGD is a privately issued stablecoin supplied by StraitsX and designed to track the Singapore dollar. It is not issued, backed or guaranteed by the Monetary Authority of Singapore or the Singapore Government. Its reserve backing and issuer redemption arrangements are governed by the issuer’s terms. NextCards does not guarantee its market value, liquidity or convertibility. 4.3 Coinbase provides supported funding, conversion and withdrawal services. A bank deposit or withdrawal is a separate transaction with the relevant provider; it is not performed by Privy merely because you have an embedded wallet. Available assets, networks, bank routes, countries, limits and processing times depend on the provider and the integration actually offered. 4.4 Coinbase requires identity verification for relevant services and may require additional or updated checks. We or other providers may also request information reasonably required for fraud prevention, sanctions screening or applicable legal obligations. Verification is not guaranteed to be a one-time process. 4.5 NextCards may change the marketplace fee at any time, including its rate, calculation method and any minimum or maximum amount, subject to applicable law. A fee change applies to listings and offers created after the change takes effect. Existing listings and offers retain their original fee. The seller pays the fee. Before the seller confirms a listing or accepts an offer, we show the applicable fee, inclusive of any applicable GST, and the seller’s net proceeds. The seller authorises us to deduct the disclosed fee from the sale proceeds when the sale settles. 4.6 The marketplace fee is the only separate service fee charged by NextCards under the current model. The purchase price of a pack or collectible is not a service fee. Third-party network, conversion, banking, shipping, insurance or customs charges may apply separately. Any such charge collected by us from you must be disclosed before you commit to it; charges imposed directly by another provider are governed by its terms. 4.7 Settlement depends on successful payment, the required blockchain confirmations and completion of the corresponding collectible transfer. An interface notification does not override an identified settlement failure. We will investigate payment or settlement discrepancies and arrange an appropriate correction or remedy. 4.8 You are responsible for taxes legally payable by you. We remain responsible for our own tax obligations and will disclose taxes we are required to collect.

5. Physical ownership and NFT records

5.1 As between you, NextCards and participating sellers bound by these Terms, an authorised, completed sale transfers ownership of the identified Associated Card to the buyer when the disclosed payment and NFT transfer requirements have been completed. NextCards then holds the card for that buyer. Submitting your own card for minting does not, by itself, transfer its ownership to NextCards. 5.2 An NFT records the association with a physical card and supports the contractual rights described here. Possession of an NFT does not cure stolen property, fraud or a seller’s lack of title, and does not automatically determine competing rights under applicable law. 5.3 We maintain records linking each active, redeemable NFT to its Associated Card and reconcile those records with the supported blockchain. We will investigate discrepancies using relevant blockchain, custody and transaction evidence. Neither an incorrect database entry nor an unexplained blockchain event is automatically conclusive. 5.4 We will not knowingly issue multiple active, redeemable NFTs representing ownership of the same card. A replacement token or technical migration must preserve existing ownership, invalidate the previous redemption entitlement and prevent duplicate claims. 5.5 External transfers are supported only through the methods disclosed by NextCards. An unsupported transfer may cause verification or redemption difficulties and does not automatically transfer access to an account or third-party services. A person claiming ownership after an external transfer must establish the transfer and accept the applicable service terms before using our custody or redemption services, subject to their existing legal rights. 5.6 Ownership of a card or NFT does not transfer copyright, trademarks or other intellectual property in the card’s artwork, characters or branding. No NFT gives you shares in NextCards, dividends, a right to interest, or a promise of investment returns.

6. Authentication custody and storage insurance

6.1 NextCards authenticates submitted cards before accepting them for minting and marketplace use. We will exercise reasonable care and skill in authentication, identification, recording, handling and storage. Authentication is not a promise of a particular third-party grading result. 6.2 We hold identifiable customer cards in custody for their owners and maintain records distinguishing them from our own inventory. We will not sell, lend, pledge or otherwise use your card for our own benefit without your separate authority. 6.3 Cards held in custody are insured under NextCards’ applicable storage insurance arrangements. Coverage is subject to the policy’s insured events, valuation rules, exclusions, limits and any excess. Insurance does not mean that every possible loss is fully covered. 6.4 If a card is lost, damaged or materially misidentified while in our custody, we will notify the affected owner, investigate and explain the proposed remedy. We will assist with applicable insurance claims. Our liability is determined by these Terms and applicable law and is not automatically limited to whatever an insurer pays. 6.5 An NFT does not create statutory deposit insurance or guarantee immediate recovery of a card if NextCards or a provider becomes insolvent. Applicable insolvency rules and evidence of ownership may affect recovery. This does not authorise us to treat customer-owned cards as our own property.

7. Submitting cards

7.1 You may submit eligible cards by an approved DHL shipment or by an arranged physical handover. Follow our submission instructions and provide an accurate inventory, description and any reasonably requested evidence of ownership or authenticity. 7.2 You confirm that you own each submitted card or have authority from its owner, and that it is not stolen, counterfeit or subject to an undisclosed competing claim. Disclose known alterations, damage, grading issues and other material facts. 7.3 For courier submissions, use appropriate protective packaging and the approved shipment arrangements. Any declared value must be accurate. Shipment insurance and risk allocation are addressed in clause 11; a card is not accepted into our custody merely because you have dispatched it. 7.4 We will record receipt and inspect the cards. Acceptance occurs when we confirm the cards accepted and their recorded identity and condition. Minting is subject to that acceptance and successful technical processing. Any processing estimate will be provided through the submission process; a courier’s delivery estimate does not include authentication and minting time. 7.5 We may reject an ineligible card or pause processing where authenticity or ownership is reasonably disputed. We will explain the reason where lawful and arrange an appropriate return or resolution. We will not confiscate or destroy a card solely because it failed our checks. Any legal hold, delivery to an authority or disposal must have a lawful basis.

8. Marketplace purchases and sales

8.1 Eligible users may list and sell their associated collectibles to other users. NextCards may also sell its own inventory where the listing identifies NextCards as the seller. The listing and transaction confirmation must make the seller’s role clear. 8.2 For a user-to-user sale, the sale contract is between the identified seller and buyer. NextCards provides its marketplace, authentication, custody and related services and remains responsible for those services and its own representations. Where NextCards is the seller, we are also responsible as seller. 8.3 Sellers must have the right to sell, provide accurate descriptions, disclose known material issues and keep listings current. Sellers must not manipulate prices, fabricate trading activity or misrepresent grading, rarity or condition. Our authentication process does not excuse a seller’s fraud or misdescription. 8.4 Before confirming a purchase, review the card identification, condition information, seller details, price and charges. A listing may be withdrawn before a sale is accepted, subject to any already accepted binding offer. A sale is completed when the payment and collectible transfer requirements shown in the transaction flow are satisfied. 8.5 A completed marketplace sale transfers the associated ownership and redemption rights to the buyer. The seller must not thereafter seek redemption of that card or make a conflicting sale. Seller proceeds are credited to the disclosed destination after settlement, less the disclosed marketplace fee. 8.6 You may cancel an unaccepted listing or offer where the platform permits. Once a transaction has become binding or settled, there is no general contractual right to cancel merely because you change your mind, the market price changes or you find a different buyer. Clause 12 and mandatory legal rights still apply. 8.7 We do not promise a buyer, a minimum resale price, a sale within any period or a facility to sell a card back to NextCards.

9. Online booster pack purchases and openings

9.1 NextCards offers online purchases and openings of physical booster packs sourced from sealed booster boxes supplied to us. The product page will identify the relevant product, set, language and other material pack details before purchase. 9.2 By confirming an opening, you instruct NextCards to open the purchased physical pack on your behalf, identify its contents, hold the resulting cards in custody and issue the associated NFTs to your account. Every card from your purchased pack will be allocated to you. A digital animation is a presentation of the opening and does not create additional or substitute contents. 9.3 Pack contents are determined by the manufacturer’s distribution. We will not replace the original contents with cards chosen from another inventory, selectively remove desirable packs based on known contents, or advertise a guaranteed result that the product does not provide. Any pack allocation method used by the online vending service must be explained before purchase. 9.4 Buying a pack does not guarantee a rare card, particular grade, minimum resale value or recovery of the purchase price. Where reliable manufacturer odds are available, we will identify their source and scope. We will not describe assumed or unavailable probabilities as verified odds, or imply that remaining stock has unchanged probabilities where that is not established. Any disclosure required by applicable law takes priority. 9.5 Following a successful opening, we record your cards and initiate the associated NFT issuance. Blockchain or processing delays may affect when minting is final. We will investigate missing contents or failed issuance and provide an appropriate remedy; a technical delay does not erase your entitlement to cards you purchased. 9.6 We do not offer cash prizes or a NextCards buyback facility. Subject to lawful availability, you may list your resulting collectibles for sale to other users or redeem the physical cards. A resale is a separate transaction and is not guaranteed. 9.7 There is no contractual change-of-mind refund once your authorised physical pack opening has begun. Before opening begins, cancellation is available only where expressly offered or required by law. This does not exclude remedies for an unauthorised opening, non-delivery, counterfeit goods, material misdescription or another breach. 9.8 We may restrict or suspend pack sales where reasonably necessary to comply with applicable rules or address a material integrity issue. We will account for paid but unfulfilled orders and provide the remedy required by law. These Terms do not represent that the service is licensed, exempt or approved by a regulator.

10. Physical redemption

10.1 The person entitled to an Associated Card may request its physical redemption through the platform, subject to verification of ownership, any genuine legal hold and the supported delivery or collection arrangements. Cards already committed to a conflicting sale cannot be redeemed until that commitment is properly resolved. 10.2 You must provide an accurate delivery address and contact details or arrange an approved collection appointment. We may request reasonable proof of identity or authority, including for an authorised representative or estate representative. 10.3 We will identify the card being redeemed and disclose any payable third-party delivery or related charges and the expected dispatch or collection arrangements before confirmation. Processing and dispatch time is separate from DHL transit time. Pickup is by arrangement; the registered business address is not automatically a public collection point. 10.4 During redemption, the NFT and card will be blocked from conflicting marketplace transactions. As part of the disclosed redemption process, the NFT will be burned, locked or permanently marked redeemed, as technically supported, so it cannot support a second redemption. We will confirm the card’s release and redemption status. 10.5 If a redemption is cancelled before the physical card is released, we will restore the appropriate digital entitlement where possible. If an NFT has already been invalidated, that does not remove your claim to the unreleased card or an appropriate remedy. 10.6 A redeemed token or historical blockchain record does not entitle any later holder to a card that has already been released. To return a redeemed card to the marketplace, it must be submitted and accepted again under the applicable submission process.

11. DHL shipments and delivery issues

11.1 Approved courier submissions and redemptions use DHL, subject to route availability and acceptance of the shipment. Transit estimates depend on the particular DHL service and destination and are estimates unless a binding delivery commitment is expressly given. We will notify you of material delays known to us. 11.2 For shipments arranged by NextCards, we will arrange the agreed shipment protection and confirm the declared or insured value and material coverage conditions. For shipments you arrange yourself, you must confirm the appropriate coverage with DHL before dispatch. Standard carrier liability is not the same as full-value shipment insurance. 11.3 Shipment insurance is subject to the actual policy, including limits, exclusions, packaging requirements, valuation rules and claim deadlines. We do not represent that all losses, delivery delays, market movements or consequential losses are insured. Collection in person is not covered by courier insurance merely because DHL is used for other transactions. 11.4 Notify us promptly of non-delivery, apparent damage or a mismatch, retain packaging and provide available photographs and shipment information. We will cooperate with a relevant carrier or insurer claim. A carrier’s claim deadline does not automatically extinguish a separate legal claim you may have against NextCards. 11.5 For submissions you arrange, transit risk remains with you until actual receipt by NextCards, subject to carrier remedies and any different mandatory rule. For redemption deliveries arranged by NextCards, risk of physical loss or damage passes on delivery to you or your authorised recipient, subject to applicable law. For physical handovers, risk passes when the card is actually handed over to the receiving party. 11.6 We remain responsible for loss attributable to our breach or failure to exercise reasonable care. Insurance proceeds will be applied to the relevant loss without double recovery. We will explain the basis of any proposed compensation rather than treating an insurer’s decision as conclusive of your rights against us. 11.7 International shipping is available only to supported destinations. Any import restrictions, duties or taxes payable by you must be addressed before shipment. We will cooperate in resolving failed delivery or customs issues; cards are not automatically forfeited to NextCards because delivery fails.

12. Refunds defects and transaction corrections

12.1 Blockchain transactions may be irreversible at protocol level. This does not prevent us or another responsible party from making a new payment, arranging a return or providing a remedy required by contract or law. 12.2 If you suspect a counterfeit card, material misdescription, missing card, payment error or unauthorised transaction, contact us promptly with the order reference, NFT identifier and available evidence. We may reasonably pause the affected listing or redemption while investigating a genuine concern. 12.3 We will investigate fairly, explain our findings and consider relevant evidence from you and other parties. Our internal decision is not legally conclusive and does not prevent you from exercising external rights or remedies. 12.4 Where a counterfeit or materially misdescribed card entered circulation through NextCards, we will administer an appropriate remedy for the affected person with a valid entitlement. This may include a refund, replacement or another legally available remedy. We will coordinate the affected card and NFT’s return, invalidation or correction so that a refunded transaction does not leave duplicate claims in circulation. 12.5 The responsible seller remains accountable for their own breach or fraud, and NextCards remains accountable for its own obligations. Any recovery by us from another party will not delay a remedy that we are legally obliged to provide you. A history of multiple sales will be assessed to identify the affected transactions and rightful claimants without double compensation. 12.6 A contractual XSGD refund will ordinarily return the XSGD amount paid for the affected purchase and any NextCards marketplace fee charged to you for it, to a verified supported wallet, unless another remedy is legally required or agreed. We will explain any necessary change of payment route or amount. Third-party charges and currency movements will be addressed according to applicable law and responsibility for the loss, rather than being automatically excluded. 12.7 Nothing in these Terms excludes or restricts rights or remedies that cannot lawfully be excluded, including applicable rights concerning non-conforming goods, misleading conduct and unfair practices. A “final sale” description does not override those rights.

13. Acceptable use

13.1 You must not use NextCards to commit fraud, launder money, evade sanctions, trade stolen or counterfeit property, infringe intellectual property, harass others, manipulate trading activity or otherwise break the law. 13.2 You must not exploit a vulnerability, interfere with another user’s account, circumvent ownership or redemption checks, create duplicate claims to a card or use automated activity that materially disrupts the service. Report suspected vulnerabilities or material errors to us. 13.3 We may investigate suspected breaches and take proportionate action under clause 17. A genuine dispute, good-faith complaint or exercise of a legal right is not, by itself, prohibited conduct.

14. Availability and technology risks

14.1 We will exercise reasonable care in operating the services, but maintenance, network failures, provider interruptions and security incidents may cause delays or unavailability. We do not guarantee uninterrupted access, immediate blockchain finality or an error-free interface. 14.2 NFTs and XSGD involve risks including compromised credentials, smart contract faults, unsupported networks, issuer failure, liquidity shortages and discrepancies between digital records and physical custody. Collectible prices may fall, and resale may be unavailable. You should understand a transaction before authorising it. 14.3 If a technical error affects a transaction or record, we may investigate, temporarily restrict the affected feature and implement an evidence-based correction. We will explain material corrections and preserve genuine ownership and payment claims. We will not cancel an otherwise valid completed trade solely because its price later becomes unfavourable to us. 14.4 Third-party services are subject to their own terms and availability. We remain responsible for our own selection, integration, representations and other obligations to the extent imposed by applicable law. The involvement of a third party does not automatically exclude our liability.

15. Intellectual property and user content

15.1 NextCards and its licensors retain rights in the platform, software, branding and original content. You receive a limited right to use them for the permitted operation of the services. 15.2 You retain rights you hold in content you submit. You grant us a non-exclusive licence to use that content as reasonably necessary to operate the services, display your listings, document your cards and resolve transactions or disputes. This does not grant us unrestricted rights to use your identity in advertising. 15.3 Third-party trading card names, artwork and trademarks belong to their respective rights holders. Their appearance on NextCards does not, by itself, establish sponsorship, affiliation or approval.

16. Personal data and communications

16.1 We collect and use personal data reasonably necessary for the disclosed purposes of operating accounts, completing transactions, maintaining ownership records, arranging submissions and redemptions, responding to support requests, maintaining security and meeting applicable legal obligations. Relevant data includes your name, email, mobile number and delivery or submission address. 16.2 The Privacy Policy will identify the actual service providers and relevant disclosures, including DHL, Privy, Coinbase and any hosting or communications providers involved. Providers may also collect data directly from you under their own policies. We do not promise that personal data is disclosed only to couriers if other providers process it to deliver the services. 16.3 Public blockchain activity may disclose wallet addresses, NFT identifiers and transaction information and may be difficult or impossible to erase. We will explain the personal data implications in the Privacy Policy and will not intentionally place your name, email, mobile number or delivery address on a public blockchain. 16.4 Optional marketing emails will be sent on an appropriate legal basis, with an unsubscribe method. Refusing or withdrawing optional marketing consent does not prevent ordinary use of the services. Necessary account, security, transaction and redemption communications may continue; promotional marketplace alerts will be treated as marketing where applicable. 16.5 The Privacy Policy will address retention, protection, overseas transfers, applicable access and correction rights and withdrawal of consent. Withdrawal of consent may affect a service where the relevant processing is reasonably necessary to provide it; we will explain the consequence.

17. Restrictions account closure and service closure

17.1 We may restrict an account, listing, payment integration or redemption where reasonably necessary to address suspected fraud, a security incident, a credible ownership dispute, a material breach or a legal requirement. Restrictions will be proportionate to the concern and reviewed as reasonably practicable. 17.2 We will give the reason and a means to contact us unless doing so would be unlawful or materially compromise a legitimate investigation or security response. Where the issue can be remedied safely, we will ordinarily give a reasonable opportunity to do so. 17.3 You may request account closure by contacting us. Outstanding transactions, lawful holds and records we must retain may need to be resolved first. We will explain available ways to redeem your cards and access or transfer digital assets through the supported wallet arrangements. 17.4 Suspension, inactivity or account closure does not automatically transfer ownership of your cards or XSGD to NextCards. Any asset restriction, recovery, disposal or forfeiture requires a separate lawful basis. We will not destroy a card’s redemption entitlement merely because the account is closed. 17.5 If we permanently discontinue a material custody or marketplace service, we will provide reasonable notice where practicable and a process to resolve pending transactions and return or redeem customer cards. Access to assets remains subject to applicable law, genuine ownership disputes and the disclosed wallet configuration.

18. Responsibility and liability

18.1 Each party is responsible for loss caused by its breach of these Terms, negligence or other legal responsibility, subject to applicable law. Each party must take reasonable steps to limit avoidable loss. 18.2 To the extent permitted by law and reasonable in the circumstances, neither party is liable to the other for indirect or consequential loss or speculative trading profits. This does not exclude a direct loss merely because it concerns a valuable card or digital asset. 18.3 In particular, these Terms do not exclude our duty to account for customer-owned cards, provide legally required refunds or other remedies, or exercise reasonable care and skill in our services. Liability for lost or damaged cards must be assessed on the relevant facts and applicable legal basis; it is not automatically capped at marketplace fees or insurance proceeds. 18.4 Nothing excludes or limits liability for fraud, fraudulent misrepresentation, death or personal injury caused by negligence, or any liability that applicable law does not permit to be excluded or limited. Any exclusion that is subject to a legal reasonableness requirement applies only to the extent it meets that requirement. 18.5 Events beyond reasonable control may excuse the affected performance only to the extent legally permitted. We will take reasonable mitigation steps, communicate material effects and account for unfulfilled paid services. Such an event does not, by itself, remove your ownership or extinguish an accrued refund obligation.

19. Complaints and disputes

19.1 Send complaints to nextcardspteltd@gmail.com with your account details, transaction reference, a description of the issue and the outcome you seek. We will acknowledge the complaint and investigate within a reasonable time, keeping you informed of material developments. 19.2 We encourage a good-faith attempt to resolve a dispute through support or mutually agreed mediation. This is not a compulsory waiting period and does not prevent urgent relief, a claim to a competent court or tribunal, a regulatory complaint or use of any applicable consumer remedy. 19.3 These Terms and disputes arising from them are governed by Singapore law, subject to mandatory laws that apply despite that choice. The Singapore courts have non-exclusive jurisdiction, without removing any right to use a tribunal or court available under mandatory consumer law.

20. Changes and general provisions

20.1 We may update these Terms to reflect changes to services, law or genuine operational requirements. We will identify the effective date and give reasonable advance notice of material changes where practicable. Where renewed agreement is required, we will request it before applying the relevant change. 20.2 A change will not retrospectively alter the terms of a completed transaction or remove an accrued ownership, refund or other legal right. If you do not accept a material change, you may stop using the affected service and arrange account closure or redemption subject to existing obligations and lawful restrictions. Urgent protective or legally required changes may take effect sooner with notice as soon as practicable. 20.3 If a provision is invalid or unenforceable, it will apply only to the lawful extent or be severed, and the remaining provisions will continue so far as legally possible. Failure to enforce a right immediately is not a waiver of it. 20.4 These Terms and the specific transaction terms form the agreement for the relevant services. They do not exclude liability for misrepresentation or remove a representation or consumer right that applicable law protects. 20.5 A person who is not a party has no right under the Contracts (Rights of Third Parties) Act 2001 to enforce these Terms. This does not affect a separate user-to-user sale contract or an independent legal right. 20.6 We may send service notices to your registered email or account. Contact details for NextCards are stated at the beginning of these Terms. You may request a copy of the version you accepted.