Driver Terms and Conditions

1.1 These Terms form a contract between you, a self-employed licensed taxi or private hire driver ("you", "your" or the "Driver"), and LynkPay Limited, a company registered in England and Wales with company number 13288967, whose registered office is at WeWork, One St Peter’s Square, Manchester, M2 3DE ("LynkPay", "we", "us" or "our"). 1.2 They govern your registration for and use of the App, your Driver Earnings Ledger and the related services we make available to you (together, the "Platform"). 1.3 You accept these Terms when you confirm your acceptance in the App. We record the version of the Terms you accepted, the date and time, and the device and session used. You can see which version you accepted at any time in the App under Settings, Legal. You also accept any change to these Terms if you continue to use the Platform after the change takes effect, having been given notice under clause 21. 1.4 You contract as a business. You use the Platform in the course of your business as a self-employed driver, and not as a consumer. This means that consumer protection legislation which applies to contracts made for purposes outside a business, including the Consumer Rights Act 2015, does not apply to this contract. Your statutory rights that do apply are unaffected, and clause 20.1 sets out the liabilities we can never exclude. 1.5 These Terms do not replace, vary or override any agreement between you and your Operator. Where your agreement with your Operator and these Terms cover different subject matter, both apply. Where your Operator has told you something about your pay that conflicts with what you see in your Ledger, clause 3 tells you who to ask. 1.6 The current version of these Terms is always available in the App under Settings, Legal, and at lynkpay.co.uk. We recommend that you save or download a copy for your records. 1.7 These Terms, and all communication between us, will be in English. They are governed by the law of England and Wales (clause 24.8).

App — The LynkPay driver application for mobile devices, including any update, replacement or successor version. Charging Week — The period from 00:00 on Monday to 23:59 on Sunday, UK time. Driver Earnings Ledger, or Ledger — The record within the App and the LynkPay portal showing Fares recorded, Earnings allocated to you, deductions and adjustments applied, Platform Fees charged and Settlements made. It is a record only. It is not a bank account, payment account, electronic money account or custody account, and LynkPay does not hold money in it. This is explained in clause 4. Earnings — The amounts recorded as due to you in respect of Fares, calculated by applying the arrangement agreed between you and your Operator. Fare — A payment made by a passenger for a journey, taken through the Platform by open banking, card, Apple Pay, Google Pay or any other payment method we support. Ledger Entry — Any single line recorded in your Driver Earnings Ledger. Nominated Bank Account — The UK bank or building society account in your own name that you register with us to receive Settlements. Operator — The licensed taxi or private hire operator, fleet or circuit that you drive for and that holds the Operator Account. Operator Account — The regulated payment account held by your Operator with the PSP, into which Fares are collected and from which Earnings are disbursed. Operator Agreement — The written agreement between LynkPay and your Operator under which your Operator appoints LynkPay to operate the Ledger and to submit Settlement Instructions. Platform — The App, the LynkPay portal, the Driver Earnings Ledger and the related services we make available to you under these Terms. Platform Fee — The fee payable to LynkPay under clause 10. PSP — Our regulated payment services partner, being the firm authorised and regulated by the Financial Conduct Authority that provides the Operator Account and the underlying regulated payment services. The identity and regulatory status of the PSP are disclosed in the App under Settings, Legal. Settlement — A payment of your Earnings, less applicable deductions, from the Operator Account to your Nominated Bank Account. Settlement Instruction — An instruction submitted by LynkPay to the PSP, under the authority given by your Operator, to make a Settlement. Terms — These terms and conditions, as changed from time to time under clause 21.

3.1 The service you receive involves four parties with four separate sets of responsibilities. It matters that you understand which party is responsible for what, because it determines who you should contact and who is accountable if something goes wrong. 3.2 Your Operator. Your Operator owns the underlying licensed business relationship and the payment relationship, and holds the Operator Account. Fares paid by passengers are collected into the Operator Account. Your Operator sets your commercial terms, including your fare split and any rent, commission or other deduction it applies, and the frequency with which your Earnings are settled to you. Your contract to provide driving services is with your Operator and not with LynkPay. 3.3 LynkPay. We provide the App, the Driver Earnings Ledger, the portal, and the technology that connects your Operator, the PSP and you. We calculate and record Earnings by applying the rules your Operator configures, we reconcile the Ledger, we submit Settlement Instructions to the PSP under the authority described in clause 4, we operate the security controls that protect your data, we provide driver support on payment matters, and we operate fraud monitoring across the Platform. 3.4 The PSP. The regulated payment account that sits underneath the service is provided by the PSP, which is authorised and regulated by the Financial Conduct Authority. The PSP is responsible for that account, for executing payments from it, and for the safeguarding obligations that attach to funds held in it under the Payment Services Regulations 2017 or the Electronic Money Regulations 2011, as applicable to the account in question. The Financial Services Compensation Scheme does not apply to those funds. 3.5 You. You use the App as the digital interface for viewing your Ledger, registering and verifying your bank details, receiving payment status information, and raising queries, disputes and complaints. You are responsible for the accuracy of the information you give us and for the security of your account. 3.6 LynkPay’s regulatory status. LynkPay is a technology and platform provider. We are not a bank. We do not issue electronic money. We do not hold, safeguard or take custody of your funds at any point, and we are not authorised by the Financial Conduct Authority to provide payment services in our own right. The regulated payment services that support the Platform are provided by the PSP under a written agreement with us. The identity and regulatory status of the PSP, together with details of any registration LynkPay holds in connection with that agreement, are set out in the App under Settings, Legal. We will tell you in advance if our PSP changes. 3.7 Nothing in these Terms makes LynkPay your employer, makes us a party to the contract between you and your Operator, or makes us responsible for your Operator’s decisions about your commercial terms. Who to contact How much you have earned, your fare split, rent, commission or other deductions your Operator applies — Your Operator: split percentage, weekly rent, a job missing from your total, when your Operator releases payouts. Tell us as well and we will log it and pass it on within one business day. The App, your Ledger, a Settlement you cannot trace, security, fraud or the Platform Fee — LynkPay: app not loading, a Settlement not received, a suspicious transaction, a Ledger Entry you do not recognise. The regulated payment account itself, or the safeguarding of funds held in it — The PSP, through us: a complaint about how the underlying regulated account has been operated. We will pass it on under clause 19.4. Your licence, a passenger complaint, or a fee charged to a passenger — Your Operator or your licensing authority: these sit outside the Platform and outside these Terms.

This clause explains where our authority to move money comes from, and what your Ledger is and is not. It is the most important clause in these Terms. 4.1 Your Operator establishes the commercial arrangement with you, including your fare share and any commission, rent or other authorised deduction. LynkPay does not independently determine those commercial terms and cannot change them. 4.2 Under the Operator Agreement, your Operator authorises LynkPay to operate the digital ledger used to record Fares, Earnings, deductions, adjustments, Platform Fees and Settlements, and to calculate Earnings by applying the rules your Operator configures. 4.3 Under the Operator Agreement, and subject to the PSP’s applicable terms, your Operator authorises LynkPay to submit Settlement Instructions to the PSP for payment from the Operator Account to your verified Nominated Bank Account, where an amount has been recorded as payable to you and the conditions for Settlement in clause 8 have been satisfied. 4.4 What we do and do not do. Our role is to calculate, record, reconcile and submit. We do not take legal ownership of, hold, safeguard or take custody of any money in the Operator Account at any point, and we never receive your Earnings into an account of our own. 4.5 The PSP remains responsible for the regulated payment account, for the safeguarding arrangements that apply to funds held in it, and for executing payments within its regulatory responsibilities. 4.6 Your Operator is responsible for the accuracy and legality of the commercial rules, Earnings calculations and deductions it provides or configures. We may rely on those rules unless we reasonably believe they are unlawful, fraudulent, erroneous or inconsistent with an applicable regulatory requirement, in which case we may decline to act on them and will tell you and your Operator that we have done so. 4.7 Where a Settlement Instruction is rejected, delayed, recalled or suspended by the PSP, a bank, a payment scheme, a regulator or a legal requirement, we will show the status in your Ledger, tell you and your Operator, and take reasonable steps to reconcile the position. 4.8 What the Ledger is. Your Driver Earnings Ledger is a record of the relationship between Fares received, Earnings allocated to you, deductions, adjustments, Platform Fees and Settlements. It is not a bank account, a payment account, an electronic money account or a custody account, and it is not held by LynkPay in your name. 4.9 What a Ledger balance means. A balance shown in your Ledger means that an amount has been recorded as due to you. It does not mean that LynkPay holds that amount. The corresponding funds sit in the Operator Account with the PSP, pending Settlement. 4.10 Your Operator may vary or withdraw the authority described in this clause 4 under the Operator Agreement. If it does so in a way that affects Settlements to you, we will tell you as soon as we reasonably can and clause 18 will apply. 4.11 Our operation of the Ledger and submission of Settlement Instructions does not make LynkPay a party to your agreement with your Operator, and does not make us responsible for your Operator’s obligations under it.

5.1 We grant you a personal, non-exclusive, non-transferable, revocable licence to install and use one copy of the App on a device you own or control, for the sole purpose of using the Platform in connection with your licensed driving work. This licence lasts for as long as your account is open. 5.2 You must not: copy, adapt, modify or create derivative works of the App or the Platform; reverse engineer, decompile or disassemble any part of it, except to the extent that applicable law expressly permits this and you have first asked us for the information you need; rent, lease, sublicense, sell or otherwise make it available to anyone else; use any automated system, scraper or bot to access it; attempt to circumvent any security, authentication or rate limiting control; or use it on a device whose operating system has been jailbroken, rooted or otherwise modified to remove manufacturer security controls. 5.3 All intellectual property rights in the App, the Platform, the Ledger and all associated content and documentation remain owned by LynkPay or its licensors. Nothing in these Terms transfers any of those rights to you. 5.4 App stores. Where you obtain the App from a third party app store, the operator of that store is not a party to these Terms, has no obligation to provide support or maintenance for the App, and is not responsible for any claim you may have relating to the App. That store operator may enforce clause 5.2 against you as a third party under clause 24.5. You must also comply with the store operator’s own terms and with any applicable export control or sanctions rules. 5.5 We may issue updates to the App. Some updates are necessary for security, for compliance or to keep the Platform working, and we may require you to install them. If you do not install a required update, some or all of the App may stop working. We will tell you before that happens where we reasonably can. 5.6 This licence ends automatically when your account is closed. You must then stop using the App and remove it from your devices. Clause 7.4 explains how to export your records first.

6.1 To register and use the Platform you must be at least 18 years old, be resident in the United Kingdom, hold a current and valid taxi or private hire driver licence, be registered to drive for an Operator that uses LynkPay, and be acting in the course of your business as a self-employed driver. 6.2 You must give us accurate, complete and current information when you register and whenever we ask you to confirm it. We and the PSP are required to carry out identity, verification and financial crime checks before your account is activated, and from time to time afterwards. We may refuse a registration, or suspend or close an account, where those checks cannot be completed satisfactorily. 6.3 You must tell us within five business days if any of the following changes: your contact details, your licence status including any suspension or revocation, or the Operator you drive for. Changes to your Nominated Bank Account must be made in the App under clause 8.5. 6.4 Your account is personal to you. You must not transfer it, share it, or allow anyone else to use your credentials or your device to access it.

7.1 Your Ledger records the Earnings allocated to you, every deduction and adjustment applied, every Platform Fee charged, and every Settlement made. Each entry shows the date, the type of entry, which party it relates to, the gross and net amounts, and a running recorded balance. 7.2 No interest is payable on any balance shown in your Ledger. 7.3 You should check your Ledger regularly. If you think an entry is wrong, tell us as soon as you can and in any event without undue delay after you become aware of it, and no later than 13 months after the date the entry appears. We will investigate under clause 9. 7.4 Your records. You can export your full Ledger to CSV or PDF at any time from the App or the portal, covering at least the current and previous tax years. If you close your account, you can export your records for 90 days afterwards, and we will provide them free of charge on request for as long as we are required to retain them under clause 15.6.

8.1 Fares are collected from passengers through the Platform and paid into the Operator Account. They are not paid to LynkPay. 8.2 Your Earnings are calculated by applying the arrangement agreed between you and your Operator. We apply that arrangement as your Operator configures it. We do not set it and we cannot change it. Any query about how your Earnings have been calculated must be raised with your Operator, and you can raise it with us at the same time so that we can log it and pass it on. 8.3 Settlements are made to your Nominated Bank Account, normally by Faster Payments, at the frequency your Operator configures. Timing depends on scheme cut-off times, receiving bank processing, the completion of any checks required by us or the PSP, and matters outside our control. 8.4 We may delay, withhold or reverse a Settlement where we or the PSP are required to do so by law, by a regulator or by a court; where we reasonably suspect fraud, error or unauthorised activity; or where the relevant funds are subject to a dispute, refund, chargeback or recall. Unless the law prevents us, we will tell you that we have done so and explain why, and we will release the Settlement as soon as the reason no longer applies. 8.5 Changing your bank details. You may only change your Nominated Bank Account in the App. A change requires you to re-authenticate, and we will confirm the change by email and in-app notification to your previously registered contact details. We may hold the next Settlement for up to three business days after a change while we complete verification checks. These controls exist because a change of bank details is the most common way drivers are defrauded, and we will not accept a change of bank details by telephone, email or text message in any circumstances. 8.6 It is your responsibility to keep your Nominated Bank Account details accurate. We are not responsible for funds sent to an incorrect account where you supplied or confirmed the details, although we will use reasonable efforts to help you recover them.

9.1 We may correct a Ledger Entry where it is reasonably necessary to reflect an actual duplicate credit, a mis-allocated Fare, a refunded or reversed Fare, a chargeback, a payment recall, a technical error or another reconciliation discrepancy. 9.2 How corrections are shown. A correction is always made as a new, separate reversing entry with a reason code. We do not silently amend or delete a historic entry. Every correction is visible in your Ledger and in your exports. 9.3 A correction, and any recovery arising from it, is limited to an amount properly supported by the underlying transaction, adjustment or contractual charge. 9.4 How we recover. Where a correction results in an amount owed to us or to your Operator, we may recover it from your next Settlement or Settlements. Except for the Platform Fee, which is governed by clause 10.5, we will not recover more than 25% of the net value of any single Settlement without your agreement. 9.5 Set-off. We may set off any amount you owe us under these Terms against any amount we would otherwise instruct to be paid to you. You may not set off any amount against a Platform Fee or other sum properly due to us. 9.6 If you dispute a correction, tell us and we will investigate it under clause 19. We will not continue to recover a disputed amount while the dispute is being investigated, unless the entry is an obvious duplicate credit or the recovery is required by law or by the PSP. 9.7 If your account is closed while an amount is owed to us and there is no further Settlement from which to recover it, that amount becomes a debt payable by you within 30 days of our written demand.

10.1 For access to and use of the Platform you pay LynkPay a Platform Fee of £1.00 per Charging Week. 10.2 VAT. The Platform Fee of £1.00 is the total amount you pay and includes VAT at the applicable rate where LynkPay is required to charge it. A VAT summary covering the fees charged to you is available in the App and in your Ledger exports, so that you can use it for your own tax records. 10.3 The Platform Fee accrues for each Charging Week in which your account is registered and available for use for any part of that week. It does not vary with the number of Fares you take, the value of those Fares or the amount you earn. 10.4 How it is collected, and your authorisation. The Platform Fee is deducted at Settlement, from amounts otherwise payable to you, before your Earnings are paid to your Nominated Bank Account. By accepting these Terms you authorise that deduction. You will never be asked to pay the Platform Fee separately, and we will not take it from a payment card or by direct debit. 10.5 If there is no Settlement in a given week, or your Earnings in that Settlement are not enough to cover the Platform Fee, the unpaid amount is carried forward and deducted from the next Settlement in which there are sufficient Earnings. We will not deduct more than four weeks of accrued Platform Fees from any single Settlement. 10.6 We do not charge interest, administration charges or late payment fees on unpaid Platform Fees at any time. 10.7 No Platform Fee is charged for any Charging Week during which your account is suspended by us, for any Charging Week during which clause 16.4 applies, or after your account has been closed. 10.8 Every Platform Fee charged is shown as its own separate line in your Ledger, labelled as a LynkPay charge, so that you can see exactly what has been taken and when. It is never bundled into a deduction applied by your Operator. 10.9 The Platform Fee is payable to LynkPay. It is separate from, and additional to, any rent, commission, subscription or other charge that your Operator applies to you. Your Operator’s charges are a matter between you and your Operator. 10.10 Changes to the Platform Fee. We will give you at least two months’ notice, in the App and by email, before any increase to the Platform Fee or the introduction of any new charge takes effect. You may close your account at any time before the change takes effect, free of charge, with no exit fee or penalty. If you continue to use the Platform after the change takes effect, the new charge applies. 10.11 Apart from the Platform Fee, LynkPay makes no charge to you for registering, for receiving Settlements, for exporting your records, for closing your account or for handling a complaint.

11.1 The Platform Fee funds the driver-facing service you use every day. It is not a charge for holding your money, because we never hold it, and it is not a share of your earnings. It pays for us to run, secure, support and improve the platform that sits between you, your Operator and the regulated payment account. 11.2 Security and protection of your data. We are responsible for the security of the driver platform and for the personal and payment data of every driver who uses it. That covers encryption of data in transit and at rest, access controls and secure authentication, independent penetration testing, continuous vulnerability monitoring and remediation, secure data storage, and the systems, monitoring and specialist staff needed to keep the Platform resilient and available. 11.3 Driver support and payment enquiries. If a Settlement has not arrived, a figure does not look right, or a transaction needs tracing, our support team investigates it for you. Where the underlying issue sits with your Operator or with the PSP, we take it up with them on your behalf rather than leaving you to chase it. 11.4 Fraud monitoring. We operate transaction monitoring, anomaly detection, device and access controls, and financial crime screening across the Platform. Clause 13 explains precisely what this does and does not cover, and you should read it. 11.5 Continuous investment. We invest continuously in the Platform and release new features and improvements to drivers as part of the same weekly fee, at no additional cost. That includes new payment methods, faster and more reliable settlement, and better reporting and earnings visibility. 11.6 Compliance infrastructure. Running a payments platform responsibly requires sustained investment in anti-money laundering and counter-terrorist financing controls, oversight of our PSP and its safeguarding arrangements, complaints handling, operational resilience and reporting. The Platform Fee contributes to the cost of that infrastructure. 11.7 Why the fee is structured this way. At £1.00 per week the fee is small, fixed and predictable. It does not increase when you have a good week, it is not a percentage of your earnings, and there is no minimum term, no exit fee and no penalty for leaving. We review at least annually whether it continues to represent fair value, and we will reduce or remove it if that review shows it does not.

12.1 You must keep your login credentials, PIN, passcode, biometric access and registered device secure, and must not disclose them to anyone. We will never ask you for your full password, your PIN or a one-time passcode, whether by phone, email, text or in person. 12.2 You must tell us without undue delay, using the contact details in clause 25 or the in-app reporting function, if you know or suspect that your device has been lost or stolen, that someone else has accessed your account, or that a Ledger Entry or Settlement was not authorised by you. 12.3 Freezing your account. You can freeze your own account at any time, including outside our support hours, using the in-app security function. A freeze stops any further Settlement Instruction being submitted and timestamps your report. 12.4 We may block or restrict access to your account where we reasonably suspect unauthorised or fraudulent use, or where we are required to. Unless the law prevents us, we will tell you before we do so, or immediately afterwards, and we will explain why. 12.5 You must not act on payment instructions from anyone claiming to be from LynkPay, your Operator or your bank without independently verifying them using contact details you already hold. Fraudsters target drivers with requests to change bank details or to move money to a "safe account". We will never make such a request. 12.6 Where you have acted fraudulently, or have deliberately or with gross negligence failed to comply with this clause 12, you may be liable for the resulting losses.

13.1 What we do. We operate automated monitoring across the Platform, continuously. This includes transaction monitoring, anomaly detection, device and access controls, and financial crime screening. Where our monitoring identifies something unusual on your account we will warn you, and we may block a Settlement Instruction or restrict access under clauses 8.4 and 12.4. 13.2 What it is not. Our monitoring is designed to reduce risk. It is not a guarantee that fraud will be prevented, and it is not insurance. Automated monitoring can miss things, and it can also stop legitimate activity. 13.3 Scams involving your own bank account. If you are tricked into authorising a payment from your own bank account to a fraudster, that is an authorised push payment scam. Rights to reimbursement for those payments sit with the bank or payment firm that holds the account the money was sent from, under rules made by the Payment Systems Regulator. LynkPay is not that firm and cannot reimburse you for such a payment. If it happens, contact your own bank immediately, and tell us as well so that we can provide any records you need and check your LynkPay account for related activity. 13.4 Unauthorised access to your LynkPay account. If someone gains unauthorised access to your LynkPay account and changes your details or diverts a Settlement, tell us under clause 12.2. We will investigate, work with your Operator, the PSP and the receiving bank to attempt recovery, and clause 20 sets out our liability. 13.5 Nothing in this clause 13 limits any right you have against your own bank, against the PSP, or under the general law.

14.1 You must use the Platform only for the lawful purpose of accepting and receiving payment for licensed taxi or private hire work carried out through your Operator. 14.2 You must not use the Platform to process a payment that does not relate to a genuine journey, to launder money or handle the proceeds of crime, to process payments for another person, or in any way that breaches your licence conditions or applicable law. 14.3 You are responsible for your own tax, National Insurance and regulatory obligations as a self-employed driver. LynkPay does not provide tax, legal or financial advice. Clause 7.4 tells you how to export the records you need. 14.4 You are responsible for your own device, your mobile data connection and any charges made by your network provider. The Platform depends on connectivity, and payments cannot be taken through the Platform while your device is offline. 14.5 You must comply at all times with the conditions of your driver licence and with any requirement of your licensing authority. Loss of your licence is a ground for closure under clause 17.1.

15.1 LynkPay is the data controller for the personal data we process about you in operating the Platform, including your identity and verification data, your Ledger and transaction data, your device and security data, and your support and complaints history. We process it in accordance with the UK GDPR and the Data Protection Act 2018, and with our Privacy Notice, which is available in the App and at lynkpay.co.uk. 15.2 Where your Operator is the controller. Where we process personal data solely on your Operator’s documented instructions, in particular the commercial rules that determine your fare split and the deductions your Operator applies, your Operator is the controller for that processing and we act as its processor. Our Privacy Notice sets out which processing falls into which category. This matters because it tells you who to ask to exercise your rights. 15.3 We share your personal data with your Operator, with the PSP, and with other service providers, only to the extent necessary to operate the Platform, to make and reconcile payments, to prevent financial crime and to meet our legal and regulatory obligations. 15.4 Transfers outside the United Kingdom. Some of our group companies and service providers are located outside the United Kingdom, including in Thailand and the United States. Where personal data is transferred to or accessed from outside the UK, we do so only where a valid transfer mechanism is in place under Chapter V of the UK GDPR, which for these transfers is the International Data Transfer Agreement or the International Data Transfer Addendum to the European Commission’s standard contractual clauses, supported by a documented transfer risk assessment. You can ask us for details of the safeguards that apply using the contact details in clause 25. 15.5 You have rights over your personal data, including rights of access, correction, erasure in certain circumstances, restriction, portability and objection. To exercise them, contact us using the details in clause 25. You may also complain to the Information Commissioner’s Office at ico.org.uk or on 0303 123 1113. 15.6 How long we keep records. We retain payment and financial crime records for five years after the end of our relationship with you, as required by the Money Laundering, Terrorist Financing and Transfer of Funds (Information on the Payer) Regulations 2017, and delete them after that period unless we have a lawful basis to keep them for longer. Other records are retained for the periods set out in our Privacy Notice. 15.7 Service messages and marketing. We will send you service messages about your account, your Settlements and security, and you cannot opt out of these because they are necessary to operate the Platform. We will only send you marketing messages or marketing push notifications where you have consented, and you can withdraw that consent at any time in the App.

16.1 We aim to keep the Platform available at all times, but we do not guarantee that it will be uninterrupted or error free. Availability may be affected by planned maintenance, by faults in third party systems including those of your Operator, the PSP, card networks, open banking providers and mobile networks, and by events outside our reasonable control. 16.2 We will give reasonable notice of planned maintenance where we can, and we will restore service as quickly as we reasonably can after an incident, in line with our Operational Resilience Framework and Major Incident Management Policy. 16.3 Support hours. Driver support is available at Support@lynkpay.co.uk and through the in-app support function, Monday to Friday during business hours excluding English public holidays, with current hours published in the App. Fraud monitoring under clause 13.1 runs continuously, and the in-app account freeze in clause 12.3 and the in-app fraud report function are available at all times, including outside support hours. 16.4 Service credit. If the Platform is materially unavailable for more than 24 consecutive hours for reasons within our reasonable control, we will not charge the Platform Fee for each Charging Week affected. This is in addition to, and does not limit, any claim you may have under clause 20.

17.1 We may suspend, restrict or close your account where you have materially breached these Terms; where we reasonably suspect fraud, financial crime or unauthorised use; where you cease to hold a valid licence or to be registered with an Operator that uses LynkPay; where required by law, a regulator, a court or the PSP; or where your Operator ceases to use the Platform. 17.2 Unless we are prevented from doing so by law or by a regulatory requirement, we will tell you that we have taken such action and explain the reasons, and we will restore access as soon as the reasons no longer apply. 17.3 Suspension or closure of your account does not affect any amount already recorded as due to you, which will be dealt with under clause 22.4 or, where your Operator has left the Platform, under clause 18.

We would rather tell you plainly what happens in this situation than leave it unsaid. 18.1 If your Operator stops using the Platform, whether by choice, by termination of the Operator Agreement or because it becomes insolvent, we will tell you as soon as we reasonably can and will explain what it means for any amount recorded as due to you. 18.2 We will continue to submit Settlement Instructions for amounts already recorded as due to you for so long as your Operator’s authority under clause 4 remains in force and the PSP continues to act on our instructions. That authority is your Operator’s to give and to withdraw, and it may end without our agreement. 18.3 We will provide you with a final Ledger statement showing every entry, including any amount recorded as due to you that has not been settled. 18.4 Who you claim from. Where an amount recorded as due to you cannot be settled, your claim for that amount is against your Operator, because the money is your Operator’s and your entitlement to it arises under your agreement with your Operator. LynkPay does not guarantee your Operator’s obligations and does not become liable to pay you those amounts. We will provide your Ledger records free of charge to support any claim you make, and we will cooperate with any insolvency practitioner, administrator or court. 18.5 We will not charge you a Platform Fee for any Charging Week after the week in which your Operator leaves the Platform.

19.1 If something has gone wrong, tell us. Complaints are always free of charge. You can complain by email to Support@lynkpay.co.uk or through the in-app support function. Please include your name, your driver reference, your Operator, what has happened and what you would like us to do to put it right. 19.2 We will acknowledge your complaint within five business days. 19.3 We aim to send a final response within 15 business days for anything relating to a payment or a Ledger Entry, and we will send a final response for any complaint no later than eight weeks after we receive it. If we cannot respond in full within 15 business days on a payment matter, we will send you a holding response explaining why and when you can expect our final answer. 19.4 Complaints about the regulated account. Where your complaint relates to the regulated payment account or the underlying payment services rather than to the LynkPay Platform, we will pass it to the PSP, tell you that we have done so, and give you the PSP’s complaint contact details. The PSP has its own complaints procedure and its own timescales. 19.5 The Financial Ombudsman Service. Where your complaint concerns the regulated payment services provided by the PSP and you are an eligible complainant, you may be able to refer it to the Financial Ombudsman Service free of charge once you have received a final response from the PSP, or once the applicable period has passed without one. You must normally do so within six months of the date of that final response. The Financial Ombudsman Service can be contacted at Exchange Tower, London E14 9SR, on 0800 023 4567 or 0300 123 9123, and at www.financial-ombudsman.org.uk. Where a complaint concerns services provided by LynkPay that fall outside the Financial Ombudsman Service’s jurisdiction, we will say so clearly in our final response and explain what other options are open to you, including mediation and the courts. 19.6 You may report a concern about the conduct of a regulated firm to the Financial Conduct Authority at fca.org.uk, and a concern about the handling of your personal data to the Information Commissioner’s Office at ico.org.uk. 19.7 If you need extra support to make a complaint, for example because of a health condition, a disability, a language need or a difficult personal situation, tell us and we will adjust how we deal with you. Our full complaints policy is published at lynkpay.co.uk.

20.1 Nothing in these Terms limits or excludes our liability for death or personal injury caused by our negligence, for fraud or fraudulent misrepresentation, or for any other liability that cannot lawfully be limited or excluded. 20.2 The following are not subject to any financial limit under this clause 20: (a) any sum that LynkPay has actually received on your behalf and has failed to pass on to you; (b) any liability we have to you under the UK GDPR or the Data Protection Act 2018. 20.3 Recorded amounts are not a LynkPay debt. For the avoidance of doubt, and as explained in clauses 4.8, 4.9 and 18.4, LynkPay does not hold your Earnings and does not become your debtor, or your Operator’s debtor, merely because an amount is recorded in your Ledger. Your Operator remains responsible for your commercial entitlement, and the PSP remains responsible for the regulated payment account and for executing payments from it. This clause does not limit clause 20.1 or clause 20.2. 20.4 We are not liable for the acts or omissions of your Operator, including the calculation of your Earnings, the frequency of Settlement, or any rent, commission or deduction your Operator applies. 20.5 We are not liable for loss caused by matters outside our reasonable control, including failures of mobile networks, card networks, open banking providers, banking infrastructure or the systems of your Operator or the PSP, and including strikes, epidemics, acts of government and failures of utilities. 20.6 We are not liable for indirect or consequential loss. Earnings that you lose directly because the Platform was unavailable or did not work as it should are not indirect or consequential loss, and are recoverable subject to clauses 20.7 and 20.8. 20.7 Limit per driver. Subject to clauses 20.1 and 20.2, our total liability to you in connection with these Terms is limited to £2,500 in any period of 12 months. 20.8 Aggregate limit. Subject to clauses 20.1 and 20.2, our total aggregate liability to all drivers in connection with these Terms is limited to £250,000 in any period of 12 months. Where valid claims in a 12 month period would exceed that amount, we will meet them rateably in proportion to their value, and we will tell every affected driver that this clause has been applied and how the amount has been calculated. 20.9 You must tell us about a claim under these Terms within six months of the date you became aware, or ought reasonably to have become aware, of the circumstances giving rise to it. This does not apply to a claim under clause 20.1, and does not affect any limitation period fixed by statute. 20.10 This clause does not affect any right you have against the PSP or against your own bank in respect of an unauthorised or incorrectly executed payment transaction, and does not prevent you referring a complaint under clause 19. 20.11 Reasonableness. You and we agree that the limits in this clause 20 are reasonable, having regard to the fact that you contract as a business under clause 1.4, to the Platform Fee of £1.00 per week, to the fact that LynkPay never holds your funds, and to the availability of insurance to both of us. If any part of this clause is found to be unreasonable or unenforceable, the remainder continues to apply.

21.1 We may change these Terms. We will give you at least two months’ notice, in the App and by email, of any change to the Platform Fee, the introduction of any new charge, or any other change that is material or to your disadvantage. The notice will identify the version number of the new Terms and will explain what is changing and why. 21.2 We may make changes that are to your benefit, that are required by law or regulation, or that have no adverse effect on you, with immediate effect, and we will tell you as soon as reasonably practicable afterwards. 21.3 If you do not accept a change, you may close your account at any time before it takes effect, free of charge and with no exit fee or penalty. If you have not closed your account by the date the change takes effect, you are treated as having accepted it.

22.1 You may close your LynkPay account at any time, for any reason, using the option in the App or by emailing Support@lynkpay.co.uk. There is no minimum term, no notice period and no exit charge. 22.2 We may close your account on at least two months’ notice. 22.3 We may close your account immediately in the circumstances set out in clause 17.1. 22.4 On closure, any amount recorded as due to you will be settled to your Nominated Bank Account in the normal cycle once all Fares have cleared and any refunds, chargebacks or reversals have been resolved. Any Platform Fees accrued up to and including the Charging Week in which your account closes, and any other amount properly due to us, will be deducted from that final Settlement. No Platform Fee is charged for any week after closure. Clause 18 applies instead if your Operator has left the Platform. 22.5 If an amount remains owed to us after your final Settlement, clause 9.7 applies. 22.6 Dormant accounts. If your account has had no Settlement and no login for 12 consecutive months, we may close it on 30 days’ notice to your registered email address. Closing a dormant account does not extinguish any amount recorded as due to you; clause 18.4 explains who that claim lies against. 22.7 Death or incapacity. If you die or lose capacity, your personal representative or attorney should contact us with evidence of their authority. We will close the account, provide a final Ledger statement, and work with your Operator and the PSP so that any amount recorded as due can be dealt with properly. 22.8 Closure of your LynkPay account does not end your agreement with your Operator, and does not affect any right or liability that has already accrued. Clauses 5.3, 7.4, 9, 15, 19, 20, 23 and 24 survive closure.

23.1 We will contact you using the App, including in-app messages and push notifications, and by email to the address registered on your account. For anything requiring notice under clause 10.10 or clause 21.1, we will use both the App and email. 23.2 When a notice is treated as received. A notice we send is treated as received: for an in-app message or push notification, when it is made available in the App; and for an email, at 9.00am on the next business day after it is sent, unless we receive a delivery failure notification. 23.3 You must keep a valid and monitored email address registered on your account, and you must open the App at reasonable intervals so that you receive notices. If an email to you fails, we will attempt delivery again and will place the notice in the App, and the notice will still be treated as received under clause 23.2 on the basis of the in-app message. 23.4 You should contact us using the details in clause 25. A notice you send to us is treated as received on the next business day after we receive it.

24.1 We may transfer our rights and obligations under these Terms to another company, provided that this does not adversely affect your rights. We will tell you at least 30 days beforehand where we reasonably can. You may not transfer any of your rights or obligations without our written consent. 24.2 We may use subcontractors and service providers to perform our obligations. We remain responsible to you for their performance of those obligations. 24.3 If any provision of these Terms is found to be unenforceable, it will be modified to the minimum extent necessary to make it enforceable, or if that is not possible it will be severed, and the remaining provisions continue in full force and effect. 24.4 A delay or failure by either of us to enforce a right under these Terms is not a waiver of that right. 24.5 Third party rights. The PSP may rely on and enforce clauses 3.4, 3.6, 4.4, 4.5, 4.8, 4.9, 19.4 and 20.10. The operator of any app store from which you obtained the App may rely on and enforce clause 5.2 and clause 5.4. Apart from those persons, no one who is not a party to these Terms has any right to enforce them under the Contracts (Rights of Third Parties) Act 1999. You and we may vary or rescind these Terms without the consent of any such third party. 24.6 Entire agreement. These Terms, the documents they expressly refer to, and your registration form the entire agreement between you and LynkPay in relation to the Platform, and replace any previous statement, representation or understanding about it. Neither of us has relied on any statement not set out in these Terms. Nothing in this clause limits liability for fraud or fraudulent misrepresentation. 24.7 Nothing in these Terms creates a partnership, joint venture, employment relationship or relationship of agency between you and LynkPay. 24.8 These Terms are governed by the law of England and Wales, and you and we agree to the exclusive jurisdiction of the courts of England and Wales.

Driver support and payment enquiries — Support@lynkpay.co.uk, or the in-app support function Lost or stolen device, or suspected fraud — the in-app freeze and fraud report functions, available at all times; and Support@lynkpay.co.uk marked "Urgent, security" Complaints — Support@lynkpay.co.uk, marked "Complaint", or the in-app support function Data protection enquiries and your data rights — Support@lynkpay.co.uk, marked "Data protection" Registered office — LynkPay Limited, WeWork, One St Peter’s Square, Manchester, M2 3DE. Registered in England and Wales, company number 13288967. End of Terms. Version 1.6, effective 1 September 2026.