CrownCards $100k Cash or Card Giveaway Official Rules

These Rules govern one international CrownCards promotion with one shared prize pool and one final drawing. Country provisions appear in sections 13 to 15.

NO PURCHASE OR PAYMENT IS NECESSARY TO ENTER OR WIN. A PURCHASE WILL NOT IMPROVE YOUR CHANCES OF WINNING. VOID OUTSIDE THE ELIGIBLE TERRITORY AND WHERE PROHIBITED.

FOR UNITED STATES ENTRANTS ONLY, SECTION 13 INCLUDES INDIVIDUAL ARBITRATION AND CLASS ACTION AND JURY TRIAL WAIVERS TO THE EXTENT PERMITTED BY LAW. CANADIAN AND UNITED KINGDOM ENTRANTS ARE GOVERNED BY SECTIONS 14 AND 15.

A SELECTED CANADIAN ENTRANT MUST CORRECTLY ANSWER THE SKILL-TESTING QUESTION IN SECTION 14.1 BEFORE BEING CONFIRMED AS THE WINNER.

1. Promotion details

Promotion name and reference: CrownCards $100k Cash or Card Giveaway. Free-entry website: https://app.crowncards.io/free-entry.

Sponsor: Crown Cards LLC, 2106 House Ave Ste 456, Cheyenne, WY 82001, United States (CrownCards or Sponsor). Administrator: Crown Cards LLC.

Entry period: Friday, 9 October 2026 at 9:00 p.m. New York time (EDT, UTC−4) through Wednesday, 14 October 2026 at 11:59 p.m. New York time (EDT, UTC−4) (Promotion Period). Drawing: Sponsor will conduct the initial electronic random drawing after the Promotion Period and reconciliation of timely entries, and before initial winner notification, no later than 21 October 2026 at 11:59 p.m. New York time. Sponsor’s designated server clock is the official timekeeping device for this Sweepstakes. Its system records determine electronic receipt times, subject to correction of established errors.

Eligible territory: the fifty United States and the District of Columbia; all ten Canadian provinces and three territories, including Québec; and the United Kingdom, comprising England, Wales, Scotland and Northern Ireland. US territories and possessions, the Crown Dependencies and British Overseas Territories are excluded. Void outside that territory and where prohibited by law.

Prize pool: one prize and one winner across a single combined pool of eligible entries from all territories listed above. No prize is reserved for any country, state, province or territory.

Selection: one random drawing after the Promotion Period. No instant-win prize is offered. An animation, pack reveal or entry confirmation is not a prize determination.

One prize is offered. The verified winner chooses either US$100,000 cash or the Pokémon card identified in section 7, estimated by Sponsor at US$50,000, plus US$50,000 cash. Total advertised approximate value: US$100,000.

Entry allocation: 100 base entries per US$1 of Qualifying Amount, calculated under section 4.4, with bonus entries and multipliers only as specified in section 4 and the Bonus Offers described below. Free entry is online for residents of all eligible territories, as set out in section 4.1.

Entry limits: There is no daily or total limit on valid entries or separately submitted valid free-entry requests during the applicable entry period. The one-account requirement and all other eligibility, submission and anti-fraud conditions remain applicable.

Free-entry allocation: 1,000 base entries for each valid online request from an eligible entrant under section 4.1(a). Any applicable free-entry bonus under sections 4.8 and 4.12 is added or applied as specified there. Requests and total valid entries are unlimited.

Initial notification for all countries: contact with the first selected potential winner will begin within seven days after closing, no later than Wednesday, 21 October 2026 at 11:59 p.m. New York time (EDT, UTC−4), by email or telephone. The verified winner will be publicly announced within 30 calendar days after eligibility and prize-claim verification is completed, subject to applicable disclosure requirements. The potential winner must respond and elect a prize within 72 hours after the initial email notification is sent or telephone notification is communicated. Required claim documents must be returned within a further 72 hours after that response, provided the forms and requirements have been supplied by then; otherwise, within 72 hours after they are supplied. A missed call alone is not telephone notification. Sponsor may extend a period where appropriate and lawful; section 15 applies to UK claims. Cash, other than the card-substitution payment under section 7.4, is payable within 30 calendar days, and the card is to be received within 90 calendar days, after acceptance and completion of reasonably required verification, subject to any earlier deadline required by law and the final receipt date below. Final prize receipt must occur no later than 29 January 2027, subject to any earlier deadline required by law. This outside date does not extend the applicable 30-day or 90-day fulfillment period.

Bonus offers: Sponsor may activate optional pack-specific multipliers, promotion-wide Multiplier Periods from 2× to 200× and additional free activity bonuses during the Promotion Period without publishing an advance calendar, to the extent permitted by applicable law and any required filing. The published offer notices are the Bonus Offers. Before an offer applies, its notice must state its identifier, qualifying packs or activity, base award or multiplier, country availability, start and end times in New York time, completion and repeat conditions, and any corresponding free-entry allocation and window. A bonus is not offered until its notice is published and its window begins. Sponsor is not required to activate any additional bonus. Sections 4.8, 4.9 and 4.12 govern these offers.

2. Application and acceptance

2.1 These Official Rules, including the promotion details in section 1 and the country provisions applicable to your legal residence, govern entry, selection, verification and prize fulfillment. By entering, you agree to them. The CrownCards Terms of Use at https://www.crowncards.io/legal/terms, effective 8 October 2026, apply to account use and ordinary platform transactions, and to the extent expressly incorporated below. Sponsor will make these Rules and the incorporated terms available before entry. A fixed copy of that version is available through a link on the free-entry website identified in section 1.

2.2 For this Sweepstakes, mandatory law and the applicable country provisions in sections 13 to 15 take priority, followed by section 1 for its expressly stated promotion details, the remaining Official Rules, expressly identified promotion-specific supplemental conditions disclosed before entry, and the incorporated Platform Terms. Supplemental conditions cannot change an advertised prize, free-entry opportunity, allocation or deadline after launch except as lawfully permitted under section 10 and the applicable country provisions. Separate Bonus Cash, referral, wallet or product terms do not override these Rules. The Bonus Offers govern sweepstakes entry bonuses only. Unauthorized statements by employees, agents or service providers do not amend or waive these Rules. This does not exclude legally binding representations or nonwaivable rights.

2.3 Platform requirements concerning account security, identity, location, fraud, unauthorized access and prohibited conduct apply subject to sections 3, 6 and 8. Ordinary product ownership, buyback, automatic-repurchase, balance expiry, withdrawal fees, account forfeiture and liability provisions do not determine prize entitlement or replace the advertised prize. The express dispute agreement in section 13 governs US Sweepstakes disputes. Sponsor retains its rights concerning separate purchases and account activity under their applicable terms.

3. Eligibility and accounts

3.1 You must be a legal resident of the eligible territory, be at least 18 and the age of majority in your jurisdiction of residence when you enter, and have capacity to enter this agreement. You must participate only from locations where the Sweepstakes and your participation are lawful. Access to the Services, acceptance or display of an entry, or a failure of geolocation or other eligibility controls does not establish eligibility or waive these Rules. Sponsor may void entries credited to a person who does not satisfy the eligibility requirements, including entries credited because of a technical or administrative error, subject to applicable law.

3.2 Employees, officers, directors, members, managers, contractors and agents of Sponsor, its affiliates and persons involved in administering the Sweepstakes, and their immediate family and household members, are ineligible. Immediate family includes a spouse or partner, parent, child, stepchild or sibling.

3.3 You must create and use your own free CrownCards Account before entering. Only one CrownCards Account per person is permitted. A person found by Sponsor, on a reasonable evidentiary basis, to have maintained or used more than one CrownCards Account while participating in this Promotion, whether or not every account was used to enter, will be disqualified, and all of that person’s entries will be void, subject to applicable law and section 15 for UK entrants. Different email addresses, phone numbers, devices, payment methods or identities do not create additional eligibility. Sponsor may require evidence of account ownership and compliance. For this Sweepstakes, eligible residents may register and use a free CrownCards Account and an accepted local telephone number in their country of residence notwithstanding any US-only account or telephone condition in the Platform Terms. Registration and free entry require no purchase, deposit, paid subscription, payment card or marketing consent. Provide accurate name, date of birth, residential address and the account contact details required by the published entry form. Rules and material entry information must be available without registration.

3.4 An existing permanent ban for fraud, false identity, payment abuse, entry manipulation or evasion of security or eligibility controls makes the person ineligible unless Sponsor has lifted it. Other account restrictions are handled under section 6; a restriction alone does not establish a ground to confiscate a valid prize. Account closure does not end a claim or investigation already arising under these Rules.

3.5 Voluntary withdrawal. During the Promotion Period, you may delete your CrownCards Account and withdraw all of your outstanding entries by expressly confirming that choice after the deletion process states its effect on this Sweepstakes. Withdrawal takes effect when that confirmation is recorded; withdrawn entries are removed from the drawing and are not reinstated by reopening or recreating an account. Uninstalling the app, stopping account use, withdrawing optional marketing consent, requesting statutory data rights or a Sponsor-imposed restriction does not by itself constitute this election. Withdrawal does not prevent investigation, remove accrued liabilities or require deletion of records lawfully retained for administration, fraud prevention or legal compliance. Existing valid prize claims and mandatory rights remain subject to the applicable country provisions.

4. Entry methods

4.1 Free entry. The online route below is available to eligible entrants in the United States, Canada and the United Kingdom. No postal entry route is offered.

• (a) Online submission. During the Promotion Period, sign in to your free CrownCards Account, visit the free-entry website identified in section 1, identify this Sweepstakes and complete the required fields. For each request, personally rewrite your full legal name, CrownCards username, phone number including country code and this Sweepstakes reference on a new index card, and upload a clear, legible photograph of that card with the form. Each request requires a newly handwritten card; reuse of a previously submitted card or its image does not qualify. The same completed request will not be credited more than once. Do not upload identity documents or another person’s information. To claim a multiplier, follow section 4.8 and write the eligible published multiplier and offer identifier in the bottom-right corner of the card. Sponsor’s designated system records determine the date and time of receipt of the completed form and image. Proof of attempted submission or transmission is not proof of receipt.
• (b) Allocation. Each separately submitted valid free-entry request receives the base award stated in section 1 and any applicable free-entry bonus under sections 4.8 and 4.12. The online base award includes the corresponding free referral opportunity described in section 4.12; that opportunity does not add a second 1,000 entries to an online request. Purchase-linked and activity entries do not reduce the free allocation. No purchase, pack opening, deposit, paid activation, bonus activity or marketing consent is required to use the free-entry route.

4.2 Pack-linked entry. An eligible entrant who spends CrownCards account balance to open any CrownCards pack during the Promotion Period automatically receives 100 base entries per US$1 of Qualifying Amount, calculated under section 4.4. All pack types qualify when funded by qualifying balance spending under section 4.3, including Bonus Cash and other platform credit. Entries belong to the account opening the pack. Each opening counts once in this Sweepstakes. There is no separate charge for the entry.

4.3 Qualifying Amount is the amount actually deducted from your CrownCards account balance to open a qualifying pack after discounts, expressed in US dollars and recorded for that opening. Qualifying spending of Bonus Cash and other platform credit counts toward that amount, including credits subject to playthrough requirements. The mere award, receipt or displayed value of a credit does not generate entries; the balance must actually be spent on a qualifying opening. Tax included in the displayed pack price is not deducted; separately charged taxes, shipping, payment fees and other non-pack charges do not earn entries. A daily free pack, gift pack or other pack provided without a qualifying balance debit earns no pack-linked entries, regardless of its displayed price or contents. Deposits, top-ups and unopened packs do not themselves earn pack-linked entries; the separate referral award in section 4.12 may apply to a qualifying referral. The collectible revealed and its later value do not change the Qualifying Amount.

4.4 Qualifying Amounts accumulate for eligible openings in this Sweepstakes. For each applicable rate, accumulate the Qualifying Amount multiplied by that rate and allocate complete entries from that balance, less entries already processed from that same balance. The ordinary rate is 100 entries per US$1. Keep separate balances for each multiplier under section 4.8 so that fractions retain the rate attached to the qualifying opening. Free entries, activity entries and allocations at another rate are not subtracted from that balance. Fractions carry forward within this Sweepstakes at their applicable rate; any remaining fraction at closing gives no entry and does not transfer to another promotion. All entry calculations use US dollars. Successful deposits in other currencies are converted to USD when credited to the account balance. Pack openings are charged in USD, including where a displayed local-currency pack price is converted to a USD charge at opening. Entries use the actual USD amount deducted for the opening after discounts and for the quantity opened, as recorded for that transaction. One unit of another currency is not treated as US$1. Converted fractional amounts accumulate under this section; fractional entries are not rounded up separately for each opening.

4.5 Sponsor may correct duplicate or erroneous allocations, including entries or bonus entries credited because of technical malfunction or administrative error, and remove entries not earned under these Rules. If the qualifying pack order is cancelled or its price refunded or reversed before winner selection, Sponsor may proportionately recalculate entries actually credited and attributable to that opening, including its bonuses. A recalculation does not cancel independent free or activity entries or subtract entries that were never credited. An ordinary post-opening sale, exchange or buyback of the collectible does not itself cancel the opening or its entries. Fraud and material misrepresentation remain subject to section 6. Failure to win creates no right to a purchase refund.

4.6 All valid entries have equal weight and access to the same international prize pool. Entry bonuses have no cash or redemption value, cannot be sold or transferred and only add entries to the final drawing. A bonus display or animation does not award an instant-win prize. Purchase- and deposit-linked bonuses are subject to the corresponding free-entry allocations in sections 4.8 and 4.12.

4.7 Electronic entries must reach the designated system by the closing time. Incomplete, late, automated, forged or otherwise noncompliant entries may be rejected. Repeated valid requests are permitted; the same request will not be credited more than once. Proof of an attempted submission is not proof of receipt. Sponsor’s entry records control, subject to correction of established error and applicable law. Disqualification for multiple accounts is governed by section 3.3. No overall cap or early closing may be introduced after launch to defeat the advertised free opportunity.

4.8 Entry bonuses and multiplier periods. Sponsor may offer pack-specific multipliers and promotion-wide multiplier periods (Multiplier Periods) from 2× to 200× as identified in the Bonus Offers. During a Multiplier Period, its published multiplier applies to the base entries earned through every offered entry method: qualifying pack openings, qualifying referrals, free-entry requests and any offered free activity bonuses. Free-entry requests must satisfy the notecard claim requirements below. This does not create an award for activity that earns no entries or multiply entries earned before or after the relevant window. A stated multiplier multiplies the applicable base allocation and includes that base allocation; it is not added on top of an already multiplied allocation. If more than one multiplier applies, only the highest applies; multipliers do not stack. For pack-linked entries, eligibility is determined when the qualifying pack is opened. For referrals, it is determined when the referred friend first completes the last of the required app download, signup using the referral code and qualifying deposit conditions in section 4.12. For other activity bonuses, it is determined when the required activity is completed; the applicable Bonus Offer must state the qualification time for any automatic award to existing account holders or subscribers. Free-request eligibility is determined by receipt of the completed submission. Subsequent verification or crediting does not change the applicable qualification time. A time-limited rate applies only where that qualification time falls within its published window. Each pack-specific multiplier and Multiplier Period offered under this section is also available through the free-entry route during the corresponding published window and applies to its 1,000-entry base award. Any other purchase-linked bonus must have a corresponding free-entry award in the Bonus Offers. The applicable Bonus Offer must identify any offer identifier required on a free request and the qualifying online submission window. Online qualification is determined by receipt time. No purchase or pack opening is required to obtain the corresponding free allocation. For an online multiplier request, write the requested published multiplier and its offer identifier in the bottom-right corner of the index card. The completed request must be received during that offer’s published online window. Only a multiplier listed as available for free entry in the Bonus Offers may be claimed; an entrant cannot create a rate by writing an arbitrary number. A valid multiplier applies to the 1,000-entry online base award. If multiple eligible offers are identified, only the highest applies and they do not stack. Missing, illegible or ineligible multiplier information does not activate a multiplier; an otherwise valid request receives its base award. No purchase of the associated pack is required. Bonuses remain subject to sections 4.3 to 4.7. Optional offers may be activated under the framework in section 1, with their material terms displayed before the qualifying purchase or activity and before the applicable window begins. Sponsor is not required to offer further bonuses. Activation does not permit an amendment contrary to section 10 or applicable filing requirements.

4.9 Free activity bonuses. Sponsor may announce additional free activity bonuses during the Promotion Period under section 1. The Bonus Offers may offer base entries for creating a free account or signing in to an existing account, an email or SMS signup, use of an available app or wallet-pass feature, specified promotional engagement or a specified social activity. Only activities expressly listed with complete conditions are offered. The applicable Bonus Offer must state whether existing account holders or subscribers qualify automatically or must take a stated action. The applicable free-entry route remains available without completing any activity. An activity earns its stated base award, multiplied by any applicable Multiplier Period under section 4.8, when its disclosed conditions are satisfied; duplicate processing of the same completed activity does not create another award. Marketing consent is optional, must be obtained separately where required and may be withdrawn; valid entries already earned are not cancelled merely for withdrawing that consent. Incentivized social posts must disclose the sweepstakes incentive and comply with the published activity and platform rules. Self-referrals, duplicate or fictitious persons, bots and fabricated engagement do not qualify. Do not submit another person’s contact details without the authority required by law. No deposit or purchase is required for a free activity bonus under this section. Deposit-linked referrals are governed by section 4.12.

4.10 No other bonus method. Random bonus-entry crates, wheels or variable entry awards are not offered under these Rules. Any such feature requires a separately completed and lawfully adopted allocation method, probability disclosure where required, applicable allocation conditions and corresponding free opportunity before use. This section creates no instant-win prize.

4.11 Entries under these Rules apply only to this Sweepstakes and do not count toward any other CrownCards promotion.

4.12 Referral bonus. An eligible entrant earns 1,000 base entries, multiplied by any applicable Multiplier Period under section 4.8, for each distinct eligible friend who downloads the CrownCards app, creates their own first CrownCards Account using that entrant’s referral code during the Promotion Period and makes cumulative qualifying deposits totaling at least US$20 during the Promotion Period. A pre-existing or recreated account does not qualify as a new signup. The download, signup, referral attribution and deposit must be genuine; only the referrer receives this referral award. All external funding methods accepted by CrownCards for deposits qualify. Only successful deposits qualify. A non-USD deposit is converted to USD when credited, using the payment provider’s conversion rate for that payment. The US$20 cumulative threshold is measured using the recorded gross successful deposit amounts in USD, before processor fees, subject to the refund, reversal and fraud provisions below. Bonus Cash, other promotional credits and transfers between CrownCards accounts are not qualifying deposits. Refunded, reversed, charged-back or fraudulent deposit amounts do not qualify. Sponsor may remove the associated referral entries, including their multiplier, where those amounts cause the cumulative qualifying deposits to fall below US$20 or the referral otherwise fails these Rules. Substantiated fraud may also result in disqualification under section 6. Referral attribution is recorded in CrownCards’ app. Each referred person may generate this award once, for one referrer; multiple deposits or accounts do not generate repeated awards for the same person. There is no daily or total limit on qualifying distinct referrals.

Continued referral eligibility: Each referral award, including its applicable multiplier, remains conditional on the referred person keeping that account open through the close of the Promotion Period on 14 October 2026 at 11:59 p.m. New York time. If the referred person voluntarily deletes that account before that closing time, Sponsor may remove the entries attributable to that referral, including its applicable multiplier. Mere inactivity, a marketing opt-out or a request to exercise statutory data rights is not treated as voluntary account deletion under this condition. Account deletion alone does not establish fraud. This condition does not create an indefinite right to remove unrelated entries or reclaim a confirmed prize; fraud and ineligibility are handled under section 6 and the applicable country provisions.

Self-referrals, fictitious or duplicate identities, accounts controlled by the referrer, circular or collusive referrals, referrer-funded deposits made to manufacture a referral, and other deliberate manipulation do not qualify. Neither person may circumvent the one-account rule, including by deleting and recreating accounts to appear to be a different or newly referred person. Sponsor may verify the relationship, attribution and deposit using relevant records and reject invalid referral awards or apply section 6 for substantiated abuse. A shared IP address or household alone does not establish that two people are the same person or that a referral is fraudulent. Referral communications must comply with applicable law, and endorsements must clearly disclose the entry incentive. Do not submit another person’s contact details or cause CrownCards to send marketing without the authority required by law.

For all eligible entrants, the 1,000-entry base award under section 4.1 is the corresponding free opportunity for the referral award and requires no deposit, purchase or referral. No separate 1,000-entry referral bonus is added to that online base award. Applicable published multipliers under section 4.8 may still apply. No daily or total entry cap applies. The payment-linked referral offer must not be activated before the complete free opportunity is settled and lawfully adopted under section 10.

5. Drawing and odds

5.1 After the Promotion Period has ended and timely entries have been reconciled, Sponsor will select one potential winner at random from the combined valid international entry pool described in section 1. Selection will use CrownCards’ own computer process, which must produce verifiably random results. Each entry has the same probability of selection. Odds depend on the total eligible entries received across the entire advertised pool. No country has a reserved prize.

5.2 Selection is provisional until identity, eligibility, entry validity and compliance with the selected entrant’s applicable country provisions are verified. Only a selected Canadian entrant must complete the skill-testing requirement in section 14. A screen display or notification does not establish entitlement if generated by error or based on an invalid entry. Sponsor may correct established errors; it will not award more than the advertised number of prizes except as required by law.

5.3 Draw records and disclosure. These Rules do not promise a public audit, livestream, publication of source code or access to other entrants’ personal information. Sponsor will retain the evidence and records required to substantiate the drawing and meet applicable legal obligations. Records may be supplied to competent authorities or in legal proceedings where required by law. Required winner information remains governed by section 12.3 and the applicable country provisions.

6. Integrity and sponsor administration

6.1 You must not use multiple accounts or identities; enter for another person; share an account; use bots, scripts or automated entry tools; falsify information; collude; exploit errors; interfere with systems or another entrant; submit fraudulent payments or chargebacks; or evade eligibility, verification, entry or account controls. VPNs, proxies, Tor and location-spoofing tools may not be used to conceal or misrepresent identity or location or bypass those controls. Sponsor may require such tools to be disabled for verification. Sponsor may use verified account contact details, bot challenges, duplicate-request checks and targeted fraud checks to enforce these Rules. A technical alert or high entry volume alone is not proof of disqualifying conduct.

6.2 Sponsor may investigate suspected misconduct, request relevant evidence, hold a claim or temporarily restrict participation. Sponsor may reject or disqualify entries, refuse further participation, withhold prizes arising from invalid entries and pursue available remedies where it determines, on a reasonable evidentiary basis, that there is ineligibility, fraud, a material breach of these Rules or failure to complete required verification. Serious fraud or deliberate evasion elsewhere on CrownCards may justify exclusion where it materially affects identity, payment security, eligibility or the integrity of participation. Honest reviews, lawful complaints, good-faith payment disputes and use of free entry are not grounds for disqualification by themselves.

6.3 Sponsor decides administration, verification and compliance matters in its discretion, consistently with these Rules and applicable law. Subject to applicable law and the country provisions in sections 14 and 15, Sponsor may, in its sole discretion and for any reason or no reason, disqualify or exclude a person from participation. This discretion does not authorize forfeiture of a validly won prize or any other action prohibited by applicable law. Except for the retained UK process in section 15, no separate internal appeal process is promised. These decisions do not eliminate nonwaivable legal remedies. Sponsor may report unlawful conduct and recover a prize obtained through fraud or ineligibility, subject to applicable law. A hold for a legal restriction or investigation is not an automatic final forfeiture.

6.4 Removal of invalid entries. Sponsor may cancel or correct credited entries where supporting records establish that they arose from fraud, a fictitious or duplicate referral account, a manufactured qualifying deposit, manipulated referral attribution, an invalid submission or another failure to meet the published qualification conditions. This includes removing the referral award, including its applicable multiplier, attributable to an invalid referral, even if it was previously displayed in the referrer’s account. A displayed total is subject to these checks. Broader disqualification, including voiding all of a participant’s entries for that participant’s substantiated fraud, deliberate evasion or multiple accounts, is governed by sections 3.3 and 6.2 and, for UK entrants, section 15.5. Lawful prize recovery is governed by section 6.3; deletion or unrelated later conduct is not retrospectively relabelled as fraud.

7. Prize choice and fulfillment

7.1 The verified winner elects one of the following in writing within the claim period:

• (a) US$100,000 cash; or
• (b) one Pokémon card, 1999 Pokémon Base Set Unlimited Charizard Holo Rare #4, graded PSA 10, plus US$50,000 cash. Sponsor estimates the card’s fair market value at US$50,000 using CrownCards’ internal valuation methodology described under Estimated Market Value in the Platform Terms. The total estimated value of this option is US$100,000.

7.2 The options are alternatives, not cumulative. The election is final once accepted by Sponsor, except where Sponsor permits a change or substitution under section 7.4 applies. The card estimate is not a guaranteed resale price or promise of future value. Market movements do not create a top-up, buyback or cash-compensation entitlement. The expressly stated cash amounts are not variable market estimates.

7.3 Sponsor will pay the cash component in US dollars directly to a verified account in the winner’s name by bank transfer, including wire or ACH where supported, using the method selected by Sponsor and ship the card, if elected, to the winner’s verified eligible residential address using an insured carrier and signature service. Sponsor pays ordinary fulfillment charges, insured shipping, customs clearance charges, customs duties and tariffs. No claim, withdrawal, handling, shipping or purchase fee is payable to Sponsor to receive the prize. The winner must provide a verified bank account in their own name capable of receiving the advertised USD payment through the supported method selected by Sponsor and cooperate with lawful payment instructions. Sponsor is not required to provide cryptocurrency, platform credit, a payment to another person or the winner’s preferred bank-transfer method. Sponsor may hold processing while necessary banking or verification information remains outstanding, subject to the claim timetable and applicable law. Title to the card passes when the properly packaged card is accepted by the carrier; delivery risk remains with Sponsor until delivery to the verified address, except loss caused by the winner’s inaccurate instructions or other fault, to the extent permitted by law. The fulfillment date in section 1 and applicable country provisions apply, subject to lawful restrictions. Verification must be completed consistently with mandatory delivery deadlines and does not permit indefinite delay after a confirmed award. Sponsor may choose its bank, carrier and operational arrangements.

7.4 If the identified card cannot lawfully be delivered, or Sponsor reasonably determines that unavailability, a fulfillment error, loss, damage, a customs restriction or another material shipping or delivery problem prevents its delivery as described within the applicable fulfillment deadline, Sponsor may substitute US$50,000 cash for the card, including where the problem results from Sponsor’s error. Together with the original US$50,000 cash component, this results in an aggregate cash prize of US$100,000, including any cash already paid. Payment of the substitute replaces the card component and does not create entitlement to both the card and its cash substitute. The substituted US$50,000 is payable by the deadline applicable to the card, subject to any earlier deadline required by law; the original cash component remains subject to its existing payment deadline. Substitution does not restart a fulfillment period or limit rights or remedies that cannot lawfully be excluded. Sponsor may not replace the elected cash prize with a card, platform credit or a lower-value benefit. No other substitution, transfer or assignment is permitted by the winner without Sponsor’s written agreement, except as required by law. Sponsor is not required to offer card storage, a buyback or another card selection.

7.5 The prize is separate from ordinary inventory, purchased or promotional balances and collectible-sale proceeds. It is not subject to ordinary automatic repurchase, bonus expiry, spending or playthrough conditions, store-credit compensation or general account forfeiture. No item sale or wallet conversion is necessary to receive it. These provisions do not prevent lawful disqualification or recovery under these Rules.

7.6 Except for the description and obligations expressly stated in these Rules and warranties that cannot lawfully be excluded, the card is supplied as is without additional Sponsor warranties, including any warranty of future value or resale liquidity. The winner is responsible for taxes legally imposed on the winner. Sponsor may collect the tax form appropriate to the winner’s tax status, including Form W-9 or Form W-8BEN where applicable, and other required tax information, make legally required withholding and issue the applicable tax forms. No tax gross-up is offered. Sponsor’s promotional valuation does not override legally required tax valuation.

8. Winner verification and claims

8.1 Sponsor will contact the potential winner by email or telephone using the recorded contact details. The response, prize-election and document deadlines in section 1 apply, subject to section 15 for UK entrants and section 14 for the Canadian skill test. The potential winner must complete CrownCards identity verification before fulfillment and provide evidence reasonably needed to establish age, residence, account ownership, entry validity and entitlement, together with delivery and tax information. Entrants are responsible for keeping their account contact information current. Sponsor is not responsible for a missed notification caused solely by inaccurate contact information supplied by the entrant, subject to applicable law.

8.2 Before fulfillment, the potential winner must sign Sponsor’s prize-claim agreement confirming eligibility, compliance with these Rules, the prize election and payment or delivery arrangements, together with any release or publicity authorization expressly required by these Rules and enforceable in the winner’s jurisdiction. Any material claim or publicity conditions must be disclosed before entry. Sponsor will supply the agreements with the claim instructions. They implement these Rules and do not introduce additional prize conditions. UK publicity remains governed by section 15.10. Additional checks may be required where lawful and reasonably necessary for fraud, sanctions or payment compliance. These Rules do not impose automatic failure merely for PEP status or an unconfirmed screening match. No purchase, payment card, deposit or marketing subscription is required for verification. Information must be supplied through the secure method Sponsor specifies.

8.3 If a selected person is ineligible, declines the prize, fails an applicable Canadian skill test or another material claim condition, or does not respond or supply required information by the disclosed deadline, Sponsor may disqualify that claim. Sponsor may extend a deadline where appropriate and lawful but, except as provided for UK entrants in section 15, does not promise an automatic extension. Subject to legal restrictions, Sponsor will select an alternate randomly from remaining valid entries until the advertised prize is awarded or no eligible entries remain; any further disposition must comply with law. No arbitrary redraw limit allows Sponsor to retain the prize. Legally required freezes or prohibitions take precedence over ordinary deadlines and reallocation.

8.4 A transfer or delivery problem may be investigated and corrected. Sponsor may require cooperation, corrected details and evidence. Errors do not create additional prize entitlements. Sponsor may recover money or property paid in error to the extent permitted by law. Delays do not create an additional contractual bonus, interest award or compensation, without limiting remedies required by law.

9. Publicity and personal information

9.1 For US and Canadian entrants, except where prohibited, acceptance of the prize authorizes Sponsor and its service providers to use the winner’s first name, last initial, city and state, province or territory, likeness, photographs, written statements and audio or video interview materials voluntarily supplied for advertising, marketing and publicity for CrownCards and this Sweepstakes, worldwide, in perpetuity and in any media, without additional compensation, subject to applicable law. Verification documents and identification images are excluded. No personal endorsement, new performance, AI cloning or unrelated content license is required by this clause. Where separate consent is legally necessary, Sponsor will obtain it. UK publicity and winner disclosure are governed by section 15.

9.2 Sponsor processes account, entry, contact, verification, payment and delivery information to administer the Sweepstakes, prevent fraud, comply with law and fulfill prizes, as described in its Privacy Policy at https://www.crowncards.io/legal/privacy and any applicable collection notice. Entry alone is not marketing consent. Sponsor may disclose winner information where required by law. The Platform Terms’ user-content license does not authorize marketing use of identity documents or other confidential verification data.

10. Changes disruption and cancellation

10.1 If fraud, technical failure, a legal requirement or circumstances beyond Sponsor’s reasonable control materially prevent proper administration, Sponsor may suspend affected operations, correct errors or adopt a lawful alternative administration method. Amendments, extensions, cancellation or prize substitution may occur only to the extent permitted by applicable law and any required filing or regulatory approval. Where Florida’s filed-rules restriction applies, it controls.

10.2 Where lawful and consistent with any required approvals, Sponsor may complete a drawing from eligible unaffected entries received before a disruption. Insufficient sales or participation alone does not permit reduction or withholding of the advertised prize. Sponsor will give notice required by law of material changes. This section does not cancel valid prize entitlements, permit arbitrary disqualification or remove any mandatory refund or remedy. No additional contractual pack-refund right is created.

11. Release liability and indemnity

11.1 To the fullest extent permitted by law, entrants release Sponsor, its affiliates, administrator, fulfillment and verification providers, and their respective officers, directors, members, employees and agents from claims arising from participation or acceptance, possession or use of the prize, except claims arising from obligations expressly retained under these Rules or conduct or liability that cannot lawfully be released.

11.2 To that extent, those parties are not liable for indirect, incidental, consequential, punitive or special damages, lost profits or lost opportunities, or for failures caused solely by third-party networks, entrant equipment, unauthorized interference or events beyond their reasonable control. These exclusions do not excuse Sponsor’s advertised prize obligation or eliminate nonwaivable remedies, including statutory damages or attorneys’ fees where required. No fixed monetary liability cap is imposed on the advertised prize obligation.

11.3 To the extent permitted by law, an entrant shall indemnify the released parties against third-party claims and reasonable resulting costs caused by the entrant’s fraud, willful misconduct or unlawful use of the Sweepstakes. Sponsor may control the defense of such a claim and require reasonable cooperation. No settlement binding a released party may be entered without its written consent. This does not require indemnification for Sponsor’s own wrongdoing.

12. General provisions and winner information

12.1 Sponsor retains all rights in its systems, content and intellectual property. No affiliation with Pokémon, Nintendo, Creatures, GAME FREAK, grading companies, Apple or Google is implied; none sponsors or administers this Sweepstakes unless expressly identified as doing so. Where the promotion is offered through an app, Apple and Google are not responsible for it.

12.2 Invalid provisions are severable to the extent lawful. A failure to enforce a provision is not a waiver. Sponsor may assign administration to a service provider without reducing its prize obligations. Entrants may not transfer entries, accounts or claims without Sponsor’s consent. No agency, partnership, employment or fiduciary relationship is created.

12.3 For a free winner list, contact support@crowncards.io or Crown Cards LLC at the address in section 1, identifying this Sweepstakes. Sponsor will retain and provide winner information and draw records as required by applicable law. Ordinary support and legal notices may be sent to support@crowncards.io and legal@crowncards.io respectively.

13. US governing law and disputes

13.1 Wyoming law governs, without regard to conflict-of-law rules, except where applicable law requires otherwise. The Federal Arbitration Act governs arbitration. The CrownCards Terms of Use, section 14, version identified in section 2.1, is expressly incorporated into this agreement and applies to disputes arising from this Sweepstakes, these Rules and the prize. Its scope extends to those disputes even if no purchase is made. A complete accessible copy must be linked at entry.

13.2 That incorporated section provides for the existing thirty-day informal dispute process, individual binding arbitration, the small-claims exception, class and representative-action and jury waivers, and the existing fallback forum. It applies subject to its own qualifications and mandatory law. Nothing in these Rules creates a different arbitration provider, opt-out period or litigation forum. Changes to the Platform Terms after entry do not retrospectively change this Sweepstakes agreement.

13.3 Where Virginia Code section 59.1-416 applies, the prize will be delivered without expense to the recipient within ten days after a representation that the recipient has won. This earlier deadline overrides the general fulfillment periods. Any other earlier mandatory deadline also applies.

14. Canadian provisions

14.1 A selected entrant resident in Canada must, before being confirmed as the winner, correctly answer a time-limited mathematical skill-testing question without assistance from another person or any mechanical or electronic aid. Sponsor or its administrator will administer the question by telephone or a controlled timed electronic process delivered through email, with a response time of two minutes from presentation of the complete question. Sponsor may require evidence that the selected entrant personally completed the test and may disqualify a response affected by assistance, manipulation or failure to follow the disclosed procedure. This requirement applies to a selected Canadian entrant; an entrant resident in another participating country is governed by the applicable country provisions of these Rules and is not subject to this Canadian skill-testing requirement. A failed Canadian claim is handled under section 8.3 using the remaining combined entry pool, not a separate Canadian pool.

14.2 The Canadian territory includes Alberta, British Columbia, Manitoba, New Brunswick, Newfoundland and Labrador, Nova Scotia, Ontario, Prince Edward Island, Québec, Saskatchewan, Northwest Territories, Nunavut and Yukon. Canadians participate in the same international pool, with no Canadian prize allocation. Total approximate prize value is US$100,000, approximately C$142,400 using the Bank of Canada’s 8 October 2026 indicative rate of C$1.4240 per US$1. The cash amounts remain denominated in US dollars. Any translation or language choice is subject to mandatory Québec language requirements; these Rules do not impose an English-only priority contrary to law.

14.3 Wyoming law governs to the extent permitted by applicable law. Mandatory Canadian federal, provincial and territorial laws applicable to an entrant or this Sweepstakes continue to apply. No choice of law or forum in these Rules deprives an entrant of nonwaivable statutory protections or access to a court having mandatory jurisdiction.

14.4 The Platform Terms’ mandatory arbitration, class or representative-action waiver, jury-trial waiver and review-restriction provisions are not incorporated into this agreement concerning Canadian participation in the Sweepstakes. Disputes about this Sweepstakes, these Rules or the prize remain subject to applicable law and the jurisdiction of competent courts. This does not prevent the parties from agreeing to a lawful dispute-resolution process after a dispute arises. No additional internal appeal procedure or contractual remedy is created.

14.5 Nothing in these Rules requires an entrant to waive rights or remedies that applicable law does not permit to be waived. Any release, limitation, indemnity or other Sponsor protection applies only to the extent enforceable under applicable law. Sponsor retains all lawful defenses and remedies.

15. United Kingdom terms

15.1 Application

This section applies to entrants resident in England, Wales, Scotland or Northern Ireland and overrides conflicting provisions elsewhere in these Rules, including the common claim, review, publicity, release, indemnity and dispute provisions. The Crown Dependencies and British Overseas Territories are excluded. In this section, “we”, “us”, “Promoter” and “CrownCards” mean Sponsor; “Competition” and “Prize Draw” mean this promotion; “Competition First Prize” means the prize in section 7; “Terms and Conditions” means these Rules; “Competition Rules” mean the promotion details in section 1; “Platform Terms” means the CrownCards Terms of Use incorporated under section 2; “Website” includes the entry website and app; and “Services” means entry, administration, winner selection, prize claims and related account use. “Free Entry” means the online route in section 4. No postal entry is offered to UK entrants, and no instant-win prize is offered. Cash amounts for this Competition are advertised and payable in US dollars under section 7. A verified UK entrant is not required to answer the Canadian skill-testing question. UK entrants must be at least 18 and may register using a valid UK telephone number. The free-entry and bonus allocation provisions in section 4 apply to UK entrants. The one-account requirement and disqualification consequence in section 3.3 apply, subject to the evidence, notice and review provisions below; the common statement that no internal review is promised does not apply to UK entrants.

15.2 Changes to these Rules

We may update these terms for future Competitions, for example following changes in law, regulatory guidance or the Services. The version made available when you enter governs that entry. A later change to the Platform Terms does not retrospectively introduce a new ground for cancelling that entry or withholding its prize. Changes to an open Competition will be made only where reasonably necessary, lawful and fair to existing entrants, in accordance with clause 15.8. We will give reasonable notice of material changes where possible. You may stop using the Services if you disagree with a change; this does not by itself cancel an existing valid entry or prize entitlement.

15.3 Service standards and error recovery

• (a) We will provide the Services with reasonable skill and care and take reasonable steps to support their operation. We do not promise uninterrupted or error-free access at every time or location. You are responsible for obtaining suitable equipment and connectivity. These statements do not reduce our obligations to administer valid entries fairly or award prizes in accordance with these terms.
• (b) If a demonstrable technical or administrative error results in a cash prize being paid to the wrong person or in the wrong amount, we may correct the error and arrange payment of the amount owed to the rightful Winner. We will explain the error and provide reasonable supporting information. If you discover that you have received money in error, tell us promptly and do not spend or transfer the erroneous amount. You must cooperate with a reasonable repayment request, normally within 14 calendar days after receiving our instructions. We will pay reasonable bank charges for the repayment. Any recovery remains subject to applicable law and your statutory rights.
• (c) We may make technical improvements, fix faults, improve security or make changes required by law. We will give advance notice of material disruption where reasonably possible. Any action affecting an open Competition is also subject to clause 15.8.

15.4 Investigations and account closure

• (a) Where we have reasonable grounds to suspect fraud, Disqualifying Conduct or another material breach, we may temporarily restrict new entries, account access or prize payment while we investigate promptly. The investigation may concern any CrownCards service, including ordinary purchases or payment activity. We may request reasonable cooperation and verification. A temporary hold does not itself void an already valid entry; we will preserve it and any provisional winning result pending our decision. If the grounds are not established, we will lift the relevant hold and honour valid outcomes. If they are established, we may apply clause 15.5. We will explain the decision where lawfully possible, and any recovery or disclosure to authorities must have a lawful basis.
• (b) We may also restrict or close access on reasonable grounds to protect customers or the integrity of the Services, including where information supplied to us indicates serious misuse or an inability to make informed decisions about participation. Action will be proportionate. The effect of a ban for Disqualifying Conduct on Competition entries is governed by clause 15.5(d). A technical lock, protective restriction or other Sponsor-imposed account closure does not by itself justify forfeiting an otherwise valid entry or prize. An entrant’s express voluntary withdrawal is governed by section 3.5 and clause 15.4(c). We will explain how outstanding entries and claims will be handled. Unrelated CrownCards property and non-excludable rights remain protected.
• (c) You may ask to close your account at any time. During the Promotion Period, an express election to delete your account and withdraw from this Competition under section 3.5 removes your outstanding entries when that election is recorded. We will explain that consequence in the deletion process before you confirm it. A request to exercise statutory data rights alone is not an election to withdraw. Closure does not remove other accrued rights or liabilities or, by itself, forfeit a confirmed valid prize. Closing an account does not prevent investigation or disqualification for Disqualifying Conduct under clauses 15.4 and 15.5.
• (d) After 12 continuous months without a login, we may mark an account inactive and request revalidation before further use. After a further 12 months of inactivity, we may archive it, subject to applicable record-retention duties. Inactivity alone will not cancel a valid pending entry, confirmed prize, cash balance or collectible owned by you.

15.5 Disqualification

• (a) We may disqualify an entry or Potential Winner where reasonable evidence shows a material breach of these Competition terms, ineligibility, fraud, a material misrepresentation, conduct compromising the fairness or security of a Competition, or failure to complete reasonably required verification under clause 15.7. Disqualifying Conduct across the wider CrownCards platform may justify cancellation of outstanding entries under clause 15.5(d). We will act reasonably and proportionately and will not withhold a valid prize merely because an entrant makes an honest complaint or criticises CrownCards.
• (b) We will give the affected entrant notice of a disqualification, the substantive reason and its effect on their entries or prize claims, where lawfully possible. The entrant may request review through support@crowncards.io and use the complaints process in clause 15.14. We will consider relevant information supplied in response. A replacement Winner may be selected under clause 15.6(d) once the disqualification has been reasonably determined. Any refund or other remedy relating to a qualifying pack purchase remains subject to its applicable terms and consumer law; disqualification does not itself remove statutory rights.
• (c) "Disqualifying Conduct" means actual or attempted fraud; identity theft; use of stolen or unauthorised payment details; knowingly false identity or verification information; dishonest refund, payment-dispute or chargeback claims; collusion; deliberate multi-account or promotional abuse; evasion of a platform ban; or deliberate circumvention or manipulation of security, verification, location or entry controls. This definition applies to conduct anywhere on the CrownCards platform, including conduct involving ordinary purchases, sales, payments or promotions outside the Competition concerned. Making a good-faith payment dispute, requesting a lawful refund, making an honest complaint or using the advertised Free Entry route is not, by itself, Disqualifying Conduct.
• (d) Where we reasonably determine on supporting evidence that you have engaged in Disqualifying Conduct, or that an existing ban for that conduct applies to you, we may refuse further participation, void any or all of your outstanding paid and free entries in this Competition and withhold prizes arising from disqualified entries. This may include entries that were not directly obtained through the fraudulent transaction where exclusion across the account is reasonably justified by the seriousness of the conduct or the risk it creates to identity, payment security, eligibility or fair participation. We will consider that connection and the proportionality of the action and follow clause 15.5(b). A ban label alone is not conclusive evidence of misconduct. Recovery of a prize already paid requires a lawful basis, such as fraud affecting entitlement or ineligibility when the prize was won; later unrelated misconduct does not retrospectively invalidate a settled, valid award.

15.6 Selection and notification

• (a) We will use CrownCards’ own computer process that produces verifiably random results. We will keep appropriate records of the draw and equal treatment of paid and free entries. Any named verification provider or specific selection method will be stated only where it has actually been appointed or adopted.
• (b) A person whose entry is selected is a "Potential Winner" until their entry and eligibility have been verified. A verified successful claimant is a "Winner". Verification requirements must be reasonable and proportionate to the prize and risk.
• (c) Initial contact with the first selected Potential Winner will begin by the deadline in section 1. We will make reasonable attempts to contact each Potential Winner by email or telephone using their registered contact details. Keep those details up to date and check relevant messages. We will not require payment of a claim fee or a further purchase to receive a prize.
• (d) We will begin contact by the deadline in section 1 and make reasonable contact attempts during the 72-hour response period. The Potential Winner must respond and elect a prize within 72 hours after the initial email notification is sent or telephone notification is communicated. A missed call alone does not start the period. Required claim documents must be returned within 72 hours after the response, provided the forms and requirements have been supplied by then; otherwise, within 72 hours after they are supplied. These short deadlines will be prominently disclosed before entry. We may extend a deadline where appropriate and will address failed notification, accessibility needs and any reasonable opportunity required by law. Before rejecting an otherwise valid claim for a missed verification deadline, we will provide a reminder and reasonable opportunity to respond. If a claimant is ineligible, declines the prize or fails to respond or complete verification after these steps, we may disqualify that claim and select an alternative eligible Winner by the same fair random process. An advertised prize guaranteed to be awarded will not be retained or withdrawn merely because the first claimant is disqualified.

15.7 Verification

• (a) You must comply with these Terms and Conditions, including the applicable Platform Terms incorporated under section 2, and successfully complete CrownCards' identity verification through your account in the app or Website before a prize is paid or delivered. You must also complete checks reasonably necessary to verify your age, UK residence, account ownership, entry validity and eligibility. Any verification required before entry will be clearly disclosed in advance and applied on the same basis to paid and free entrants. We may use a verification provider and will offer a reasonable secure alternative where needed for accessibility or a technical difficulty. Verification does not require a purchase, deposit, payment to us or consent to marketing.
• (b) You must provide accurate information and evidence reasonably needed for verification, payment or legal reporting. Checks may include photographic identification, proof of address, payment-account ownership and, where required by applicable law or reasonably justified by risk, anti-money-laundering, counter-terrorist-financing, fraud, sanctions and politically exposed person (PEP) screening. You must cooperate with proportionate additional due diligence, including source-of-funds or source-of-wealth checks where justified. We or our provider will explain what is needed and how to supply it securely. Requests will be limited to information reasonably necessary for these checks and handled under clause 15.13. Identification images are not used for marketing; publicity consent is not required.
• (c) You must complete and sign the prize-claim agreement described in section 8.2, subject to this UK supplement. After verification, we will confirm the prize and the Winner's election of any advertised prize option, and arrange payment or delivery under section 7 and clause 15.9 and the Competition Rules. We may request payment details through a secure account feature or another secure method communicated by our support team. We will confirm the payment or delivery arrangements in writing.
• (d) If you nominate another person to help coordinate communications about your claim, obtain their permission before providing their details. We will use those details only for the stated purpose and in accordance with our Privacy Policy. Nomination does not transfer the prize entitlement, authorise payment to that person or remove the Winner's verification requirements.
• (e) Please keep non-public account security information, verification links and another person's private information confidential. This does not restrict you from discussing your prize, obtaining professional advice, making an honest review or complaint, or communicating with courts, regulators, law enforcement or anyone else where disclosure is lawful.
• (f) A screening alert, possible name match or PEP status is not by itself a ground for disqualification. We will review relevant information and carry out proportionate additional checks. Pending necessary checks, we may temporarily hold participation or payment while preserving valid entries and provisional results as described in clause 15.4(a). Failure to establish required identity or eligibility after a reasonable opportunity, or an established disqualifying breach, may result in refusal or disqualification under clauses 15.5 and 15.6(d), with notice and review under clause 15.5(b). No unlawful payment will be made. Legally required restrictions, asset freezes, reporting and licensing requirements override ordinary claim deadlines and replacement-winner arrangements; no prize will be cancelled or reallocated contrary to those requirements.

15.8 Suspension amendment and cancellation

We may suspend, amend or cancel a Competition only where reasonably necessary because of unavoidable circumstances beyond our reasonable control, a serious integrity or security failure, or a legal requirement. A closing date will be changed only where those circumstances make it unavoidable and the change will not unfairly disadvantage entrants. Insufficient pack sales alone is not a reason to extend a Competition or reduce its prize. We will explain material changes promptly and protect valid entries and confirmed prizes where possible. If a Competition is cancelled, we will inform entrants and provide any refund or other remedy required by law in connection with a qualifying pack purchase and the advertised promotion. The absence of a separate entry fee does not remove those rights. Any replacement competition or credit offered as an alternative remedy requires the entrant's agreement where the law gives them another remedy. Free entrants will be informed of any available equivalent free opportunity. Statutory rights remain unaffected.

15.9 Cash payment and taxes

• (a) The advertised amount of a cash prize will not be reduced after entry opens because of insufficient pack sales, changes in participation or the Promoter's costs. Each validly won prize is payable in full, subject only to withholding required by law under clause 15.9(c) and any currency conversion specifically agreed under clause 15.9(g). Prize claims and any disqualification remain subject to the published rules and clauses 15.5-15.7.
• (b) A cash prize will be paid by bank transfer, including wire or ACH where supported, to an account in the verified Winner’s name using the method selected by CrownCards. Cash, other than the card-substitution payment under section 7.4, is payable within 30 calendar days, and an elected card is to be received within 90 calendar days, after acceptance and completion of reasonably required verification, subject to any earlier mandatory deadline and the final receipt date in section 1. The Winner must provide an account capable of receiving the advertised USD payment through that supported method and cooperate with lawful payment instructions. CrownCards is not required to use the Winner’s preferred method. Where a prize will be received more than 30 calendar days after the Competition closes, the Competition Rules will state before entry the date by which it will be received. If the Winner cannot use the proposed method, any alternative remains subject to CrownCards’ agreement and applicable law, without removing the obligation to pay a validly won cash prize. Payment administration is governed by clause 15.9.
• (c) The Winner is responsible for any taxes legally payable by them in connection with the prize. We make no general representation that every prize is tax-free. If applicable law requires us to withhold an amount or obtain tax information, we will explain the requirement, withhold only the amount legally required and provide appropriate supporting documentation.
• (d) A prize entitlement is personal to the verified Winner and may not be assigned or transferred before payment or delivery without our agreement, except where applicable law requires otherwise. This does not restrict the Winner's lawful use of the money or card after payment or delivery.
• (e) The Winner must provide accurate payment details through the secure method we specify and promptly tell us of any relevant change. We may reasonably verify that the receiving account belongs to the Winner and request information needed to make a lawful payment. We will confirm the amount and payment arrangements, keep a record of the transfer and cover our standard bank-transfer charges. Any requested currency conversion or related charges are subject to clause 15.9(g).
• (f) If a transfer fails, is returned or is delayed, we will notify the Winner promptly and take reasonable steps to resolve the problem, including correcting verified payment details or agreeing another lawful cash payment method. A payment failure outside the Winner's control does not automatically forfeit the prize. We will provide a reasonable opportunity to resolve outstanding details before treating a claim as uncompleted under clause 15.6(d). Our payment obligations, the applicable payout timetable and statutory rights remain unaffected.
• (g) If we agree to a Winner's request for a different payment currency, we will disclose the exchange-rate basis and any conversion or transfer charges and obtain agreement before conversion. A Winner may instead receive the advertised prize amount in its stated currency without an undisclosed deduction by us.
• (h) CrownCards may substitute US$50,000 cash for the advertised card in the circumstances and on the terms stated in section 7.4, resulting in an aggregate cash prize of US$100,000, including any cash already paid. CrownCards will not substitute store credit, a wallet balance, another collectible or a lesser cash amount under this clause.

15.10 Publicity and winner information

• (a) We may invite Winners to participate in photographs, videos, interviews or other publicity. Participation is voluntary and subject to separate informed agreement. That agreement may authorise CrownCards to use the Winner’s name, image, likeness, voice and agreed publicity materials worldwide, in perpetuity and in all media for advertising, marketing and publicity for CrownCards and this Competition, subject to applicable law and the Winner’s statutory data-protection rights. Refusal of optional publicity will not affect a valid prize entitlement. Verification photographs will not be reused for marketing without a separate lawful basis.
• (b) To demonstrate that significant prizes have been awarded, we may publish or make available Winners' surnames and counties of residence. We will tell entrants of this intention before entry and allow them to object or ask us to reduce the information made available. Contact support@crowncards.io to do so. Even where a Winner objects, we may need to provide relevant winner information to the Advertising Standards Authority or another competent authority on request. Other personal details or photographs will not be published under this transparency provision alone.
• (c) Subject to clause 15.10(b), information showing that significant prizes were validly awarded will be available by emailing support@crowncards.io for at least one month after the relevant prize award. Identify the Competition in your request. We will respect legitimate objections and data-protection requirements while meeting applicable transparency obligations.

15.11 Responsibility for breach

You are responsible for reasonably foreseeable losses we suffer as a direct result of your material breach of these terms or unlawful conduct, to the extent recoverable under applicable law. We must take reasonable steps to minimise loss and cannot recover the same loss twice. This clause does not make you responsible for our own negligence or breach, impose an unlimited consumer indemnity, or restrict a lawful complaint or statutory right.

15.12 Liability

• (a) Nothing in these Terms and Conditions excludes or limits liability for death or personal injury caused by negligence, fraud or fraudulent misrepresentation, breach of rights that cannot lawfully be excluded, or any other liability that cannot be excluded or limited by law.
• (b) If we breach these terms or fail to use reasonable skill and care, we are responsible for loss or damage that was reasonably foreseeable as a result. We are not responsible for losses that were not reasonably foreseeable. You must take reasonable steps to minimise avoidable losses.
• (c) The Services are for personal participation. To the extent lawful, we are not liable for business losses, including loss of business profits or commercial opportunity. A failed entry or fulfilment error will be investigated and remedied as appropriate; no blanket replacement-entry-only remedy or fixed monetary cap in other site terms limits rights that apply to these Prize Draws by law.
• (d) We are not responsible for loss caused solely by your breach, your equipment or connectivity, except to the extent our own breach or lack of reasonable care contributed. Where events beyond our reasonable control affect performance, we will take reasonable steps to reduce their impact and inform affected entrants. We remain responsible for our own legal obligations, including obligations carried out through service providers, and for refunds or remedies required by these terms or law.
• (e) Our entry and draw records are evidence of participation and results, but are not conclusive where a demonstrable error exists. You may ask us to investigate an omitted entry or incorrect result and provide relevant evidence. We will correct established errors fairly, maintain appropriate records and avoid prejudicing valid Winners when resolving an administrative issue.
• (f) Your statutory consumer rights remain unaffected. No disclaimer about availability, third-party payment providers, payment processing or system operation overrides clauses 15.12(a)-(b) or an express prize description.

15.13 Personal data

Crown Cards LLC is responsible for personal data it processes to administer these Competitions. We use entry, username, account, contact, payment and verification information to manage entries, prevent fraud and financial crime, perform the proportionate checks described in clause 15.7, select and verify Winners, fulfil prizes, meet legal obligations and deal with complaints. Free online entry data is used for the same purposes. Our Privacy Policy at https://www.crowncards.io/legal/privacy provides information about our general data practices. Privacy enquiries may be sent to privacy@crowncards.io. Entering a Competition does not, by itself, constitute consent to marketing; any optional marketing consent will be requested separately. We will provide any additional UK-specific privacy information required before collecting data.

15.14 Complaints

Send complaints about a Competition to support@crowncards.io, identifying the Competition, your entry or account reference, the issue and the remedy requested. We will investigate promptly, provide a substantive response within a reasonable time and explain any material delay. If you remain dissatisfied, you may use applicable consumer complaint routes or the courts described in clause 15.15. Nothing requires you to waive a statutory right or accept United States arbitration as a condition of pursuing a UK Prize Draw complaint.

15.15 Governing law and other legal terms

• (a) Governing law. These Terms and Conditions and related non-contractual matters are governed by the laws of England and Wales. If you live in Scotland or Northern Ireland, you also retain the protection of any mandatory consumer laws applicable where you live.
• (b) Jurisdiction. Disputes may be brought in the courts of England and Wales. If you live in Scotland or Northern Ireland, you may also bring proceedings in your local courts where entitled by law. Nothing removes a mandatory right to use another competent court. The United States arbitration, venue and class-action waiver provisions in section 13 or CrownCards' general website terms do not apply to disputes governed by this UK supplement.
• (c) Notices. Unless law requires another method, notices concerning these terms may be sent in writing to support@crowncards.io or to the Promoter's business address in section 1. We may send notices through your account, by SMS to your registered telephone number or to your postal address, with appropriate steps to draw material notices to your attention.
• (d) Assignment. We may transfer our rights and obligations to another organisation only where doing so does not reduce your rights or protections. We will tell you of a material transfer. You may transfer your rights or obligations only with our written agreement, except where law permits otherwise.
• (e) Severability. If a provision is unlawful or unenforceable, it will be severed or limited only to the extent necessary, and the remaining provisions continue to apply. This will not be used to rewrite an unfair consumer term to the consumer's disadvantage.
• (f) Entire agreement. The documents identified in section 2, subject to its order of priority, form the agreement for the relevant Prize Draw. Nothing excludes liability for fraud or misrepresentation that cannot lawfully be excluded, removes statutory rights, or negates binding information or promises provided before entry.

15.16 Entry administration and cash allocation

• (a) Entry requirements and material rules will be fixed and disclosed before entry opens. Any subsequent change is subject to clauses 15.2 and 15.8. We will present the free entry route prominently alongside the paid route and administer both fairly.
• (b) We may reject incomplete, illegible, late or otherwise invalid entries where the relevant requirement was clearly disclosed and the rejection is reasonable. Disqualification for misconduct and any resulting refund treatment are governed by clauses 3.3 and 15.5. We will not reject a timely valid entry because of our own avoidable processing delay.
• (c) There is no daily or total limit on the number of valid entries an eligible entrant may receive in this Competition.
• (d) We will confirm pack-linked entry allocations through your CrownCards Account and keep records linking them to qualifying openings. Subject to section 4.5, we may correct a duplicate or demonstrably incorrect allocation. If the qualifying pack order itself is cancelled or its purchase price is refunded or reversed before winner selection, we may proportionately recalculate its Qualifying Amount and the related entries, explaining the reason. A normal post-opening sale, exchange or buyback of the revealed collectible does not, by itself, cancel the qualifying pack opening or its entries. A disputed payment is not automatically fraud; holds, disqualification and any action affecting a potential or confirmed winning entry remain subject to sections 6, 8 and clauses 15.4-15.7. Failing to win does not itself create a pack refund entitlement. Applicable refund and statutory rights remain unaffected.
• (e) Before entry opens, the Competition page will state the description, amount and currency of each prize, the estimated value of any non-cash component, the number of prizes, any available prize options and any applicable limit on how many prizes an entrant may win. A displayed total prize pool represents the sum of the advertised prizes, not the amount payable to each Winner. Any shared-prize or instalment arrangement must be clearly stated before entry; otherwise each advertised cash component is payable to its individual Winner in a single payment.

15.17 Licence account information and third parties

• (a) Subject to these Terms and Conditions, we grant you a limited, personal, non-transferable, non-exclusive and non-sublicensable licence to use the Services for your own non-commercial participation. Except where applicable law permits, you must not copy, modify, decode, disassemble, reverse engineer or create derivative works from the Services, or sell, lease, sublicense or otherwise transfer access to them. We may suspend or withdraw this licence on the grounds set out in clauses 15.4 and 15.5.
• (b) You must supply accurate and complete information and promptly update contact details or other information relevant to your eligibility, entries or prize claims.
• (c) Except as required by law, a person who is not a party to these Terms and Conditions has no right to enforce them. This does not affect a lawful transfer under clause 15.15(d).