Terms and Conditions

• 1.1 By creating an account, placing an order, or using our Website or app, you signify your agreement to these Terms and Conditions. If you do not agree to these terms, you are not permitted to use TropiTrade’s services.

1.2 Definitions

• 1.2.1 End Users: Individuals who directly interact with our services for personal use through their TropiTrade account.
• 1.2.2 Business Users: Entities that utilize our services and provide us with their customers’ personal information for their business operations.
• 1.2.3 End Customers: Individuals who receive services ordered by other owners of TropiTrade accounts.
• 1.2.4 Applicants: Individuals who apply for positions at TropiTrade.

1.3. Scope of these terms

These Terms and Conditions form the agreement between you and TropiTrade for the use of our website and the TropiTrade app and the products and services we offer through them. The product information and checkout show the service you are buying, its price and the applicable product conditions. Different arrangements apply only if we expressly confirm them in writing.

1.4 Representation

• 1.4.1 If you accept these Terms and Conditions on behalf of an employer or another legal entity, you warrant that you have full legal authority to bind your employer or such entity to these terms.

1.5 Privacy Policy

• 1.5.1 Your personal data submitted to TropiTrade or collected by TropiTrade about you is governed by our Privacy Policy, which forms an integral part of these Terms and Conditions. You acknowledge having reviewed the Privacy Policy, available at www.tropitrade.com/privacy-policy.

1.6. Disputes

Section 19 explains the applicable law and how disputes are handled. Your mandatory rights as a consumer continue to apply.

2.1. Our eSIM services

TropiTrade offers travel eSIM bundles, including bundles with mobile data, call minutes and SMS. Not every bundle includes the same services. The product page explains what is included, the countries or regions covered and the validity period. Before buying, check that the bundle and your device are suitable for your trip.

2.2. Your account and sign-in

To use account features in the app, such as managing your eSIMs and credit, sign in to your TropiTrade account. You can use the same account on our website and in the app. Where guest checkout is available, this is shown during checkout.

You can sign in with email and password, or with Google or Apple when that option is available on your device. We verify your identity; you do not give TropiTrade your Google or Apple password. Not every combination of existing accounts can be linked automatically. If linking fails, use your existing sign-in method or contact support.

Keep your account details up to date and protect your login details and device. Tell us promptly if you suspect someone else is using your account. You may not transfer your account to another person without our permission.

2.3. Customer and Business Information Requirements

All customers, encompassing end users, business users, and those receiving services through another customer’s account, need to agree to our General Terms and Conditions:

• End Users must provide essential details such as first and last names, and email address for personal transactions.
• Business Users require additional information including the company’s name, address, and other contact details to customize services according to business needs.
• Service Recipients will have their details managed by the initiating account owner.

We reserve the right to request additional information as needed to adapt our services to evolving requirements and to enhance user experiences, while respecting privacy laws.

2.4. TropiTrade Engagements

We strive to provide reliable and high-quality services but do not guarantee uninterrupted or flawless service delivery.

2.5. User Conduct and Device Compatibility

Customers must not engage in any activity that is illegal, abusive, or that could damage the network or impair service delivery. Non-compliance may result in suspension of services, though financial obligations continue during any such suspension.

It is the customer’s responsibility to ensure that their device is eSIM compatible and not restricted by network locks. A list of compatible devices is provided during checkout, which customers must review to confirm compatibility. This list is periodically updated to include new compatible devices.

3.1. Initiation of Contract

The contract between TropiTrade and the Customer is established once the Customer completes an order through the TropiTrade website (https://www.tropitrade.com, including any associated subdomains), on affiliated platforms, or through any TropiTrade product that facilitates order placement.

3.2. Activation and Responsibilities

It is the responsibility of the Customer to activate the eSIM and adhere to the Activation Policy provided at the time of purchase.

3.3. Termination of Contract

For individual users (End Users), the contract terminates if there is no active data package or if the eSIM is removed from the device. In contrast, for business clients (Business Users), contract termination is contingent upon the specific terms outlined in any agreement they may have with TropiTrade. If there is an agreement in place or ongoing participation on a partnered platform, the contract remains active, regardless of eSIM status or active data packages. This approach reflects a sustained commitment and partnership between TropiTrade and the Business User.

4.1. Payment processing

Your payment is processed by an external payment provider, such as Stripe. You do not need to create your own Stripe account. Your chosen payment method may require additional confirmation from your bank or payment provider. Before paying, you see the total amount, currency and available payment methods.

A payment that is still processing is not confirmation of delivery. We confirm the outcome once the payment and order have been processed.

4.2. Taxation on Services

Prices and fees for services listed on TropiTrade do not include applicable taxes such as VAT, sales, goods, and services taxes, unless explicitly stated. These taxes are calculated based on the rates applicable to the billing address you provide and are added at the time the transaction is charged to your account.

4.3. Payment methods and currency

Available payment methods may differ between the website and app, by device and by country. Only the methods shown at checkout are available for that order. The currency and total amount are shown before payment. Your bank or payment provider may charge its own currency-conversion or transaction fees.

4.4. Future automatic renewal (when available)

TropiTrade may, in the future, offer an optional automatic-renewal service for selected eSIM bundles. If and when this option becomes available, the renewal terms (charges, cancellation, notice period) will be presented during checkout and accepted explicitly by the customer. Currently, all eSIM purchases are one-time transactions; no automatic charges occur after activation.

4.5. Affiliate-partner invoicing

Affiliate partners may issue invoices to TropiTrade for commissions or services rendered, in accordance with the partner agreement. TropiTrade may also offer wholesale invoicing for B2B partners in the future under separate agreement.

5.1 Delivery to End Users

Upon purchase, End Users will receive their eSIM details directly via a confirmation email. This email will include all necessary information for installing and activating the eSIM, ensuring that users can start using their service promptly and efficiently. All relevant details are securely managed and accessible through the user’s TropiTrade account.

5.2 Delivery to Business Users

Business Users will receive eSIMs and associated top-up packages directly through their registered email, which are also managed on the Partner Platform. This method facilitates efficient handling and deployment of eSIMs tailored to meet the specific needs of each business operation.

5.3 Tailored Delivery Methods

Understanding the diverse needs of our customers, TropiTrade delivers its products and services primarily via email, tailored to the specific integration methods and service requirements of our users. This approach ensures a swift and secure delivery of services to both End Users and Business Users.

6.1. Submitting a request

If your eSIM or bundle does not work as agreed, or you want to cancel, contact [email protected] as soon as possible. For requests under our own service policy, the request period is 30 days after purchase. Include your order number and explain what happened. This period does not limit your statutory rights.

6.2. Review and resolution

We check the order, activation, any usage and the cause of the problem. We may ask for additional information, such as a screenshot of your settings. If the problem is with our service, we seek an appropriate solution, such as a fix, replacement or refund, subject to your statutory rights.

6.3. Activated or used bundles

Activation or use may affect the options for cancelling a bundle. Consumed services and data left unused after the validity period normally do not qualify for reimbursement under our own service policy. This does not exclude a claim for a defective service or another statutory right.

6.4. Cancellation, replacement and additional purchases

If your order has not yet been delivered, contact us before ordering again. An active bundle cannot always be changed or reversed. A different bundle or more data may require an additional purchase. We discuss the available solution with you first; submitting a request does not automatically place another order.

6.5. Refunds

Once approved, we process the refund through the original payment method unless we expressly agree another solution with you. We let you know when the refund has been initiated. When it appears also depends on your bank or payment provider. We agree with you beforehand if credit is offered instead of a refund.

6.6. Purchases from others and misuse

If you bought through a reseller, first contact the party you paid. We may investigate a request further where fraud or misuse is suspected. We assess each request carefully and preserve your mandatory consumer rights.

7.1. The validity period of an eSIM begins at the moment of activation. Activation occurs on first connection to a supporting network in the destination country. Unactivated eSIMs remain available for activation for one (1) year from the date of purchase, after which they may expire. Specific expiration details are stated in the order confirmation email.

7.2. Once activated, the validity period of the data bundle (e.g. 7 days, 30 days) starts running according to the bundle’s stated terms. Unused data does not roll over after the validity period ends.

8.1. Prices and changes

All prices on TropiTrade are clearly displayed in the shop. We reserve the right to change prices based on market conditions, supplier agreements or strategic decisions. Changes do not apply to orders that have already been placed and paid.

8.2. Promotions and discounts

TropiTrade may offer promotions, discount codes or temporary deals. Additional terms apply to promotions, which are published at the time of the action. Not all promotions are combinable with each other.

8.3. Affiliate and partner programs

Affiliate partners may receive unique discount codes to share with end users. Misuse of these codes (e.g. publicly sharing on coupon sites without permission) may result in deactivation of the code and/or the partner account.

8.4. Bulk and business pricing on request

Bulk or wholesale pricing for business users with larger orders is not advertised on the site. Business users are welcome to request a custom quote and partnership agreement by contacting [email protected].

8.5. Taxes and levies

Taxes and levies arising from the purchase (such as VAT where applicable) are not included in the offer price unless explicitly stated. See also Section 4.2.

When utilizing our services, users agree to adhere to all relevant local laws and regulations applicable to the use of telecommunications services and mobile device registration in their respective countries. Necessary actions may be taken on behalf of the user to ensure compliance with these local requirements.

By accepting our Terms and Conditions, users consent to the use of their personal data in line with local data protection laws to facilitate these compliance efforts.

9.1 Local requirements

In some countries, additional local rules may apply to the use of mobile services, such as device or SIM registration requirements. Users are responsible for checking and complying with the rules that apply in the country where they use the service.

10.1. Location use

TropiTrade does not collect precise location data such as GPS coordinates. Our website derives an approximate location from your IP address, for example to show relevant destinations and prices.

10.2. Network data

When you use your eSIM, the mobile network operator that provides coverage processes technical location data (such as cell tower connections) to establish the connection. That processing is done by the operator under its own policies, not by TropiTrade. For support purposes, TropiTrade can view through its eSIM supplier which network and country an eSIM was last registered on; this is country-level information only.

10.3. Your settings

You manage location permissions yourself through your device settings at any time. How we handle personal data is described in our Privacy Policy.

10.4. Your home SIM and roaming charges

To avoid unexpected roaming charges from your home provider, we recommend switching off your home SIM during your trip. Select your TropiTrade eSIM for mobile data and turn off automatic data switching between SIMs, if your device offers this setting. Do not delete your home SIM or eSIM profile; simply switch the line off.

You will then be unable to make or receive mobile-network calls or send or receive SMS on the disabled line, including verification codes. If you choose to keep that line on, turn off data roaming for your home SIM and check your home provider's charges beforehand. Turning off data roaming alone does not prevent every charge: calls, SMS or voicemail may still incur costs.

Your TropiTrade eSIM may need data roaming switched on. Follow your bundle's instructions and use the eSIM within its stated coverage and validity. Charges from your home provider are separate from the price of your TropiTrade bundle.

11.1 Legal Capacity and Authority

You may enter into an agreement with TropiTrade if you are of legal age and legally capable of doing so. If you are a minor, you may enter into an agreement with the consent of your legal representative, subject to applicable law. Users who enter into this Agreement on behalf of a company or other organization confirm that they have the authority to act and bind that entity to this Agreement.

11.2 Compliance with Terms and Laws

Users agree to read, understand, and abide by these Terms of Service and the accompanying Privacy Policy. Users also agree to act in accordance with all applicable local, state, and federal laws and in good faith when accessing or using the Services.

11.3 Prohibited Activities

Users must refrain from engaging in activities that include, but are not limited to:

• Unauthorized copying, distribution, or disclosure of any part of the Services.
• Using automated means, such as robots or spiders, to access the Services, except for features provided through the Services.
• Sending spam or other unsolicited communications or engaging in phishing or other deceitful practices.
• Compromising system integrity or security or attempting to access servers without authorization.
• Violating any laws, including international, federal, state, or local regulations.
• Conducting unlawful activities or soliciting others to perform unlawful acts.
• Uploading or transmitting invalid data, viruses, or harmful software agents.
• Infringing on intellectual property rights.
• Misrepresenting one’s identity or affiliations.
• Engaging in harassment or other actions that infringe on others’ legal rights.
• Interfering with the performance, security, or proper functioning of the Services.
• Attempting to reverse engineer any part of the Services.
• Bypassing security measures or restrictions implemented by us.

11.4 Disclosure of Motivations or Conflicts of Interest

Users warrant that they do not have undisclosed motivations or interests related to their use of the Services that could be deemed relevant by us, including using the Services for journalistic, investigative, or unlawful purposes. Users agree to promptly disclose any such motivations, statuses, or interests in writing should they arise during the use of the Services.

11.5 Software Installation and Updates

By installing any applications or software related to the Services, users consent to the installation of the software and any subsequent updates or upgrades. The software may:

• Cause the user’s device to communicate with our servers to enable functionality and record usage metrics.
• Affect application-related preferences or data stored on the user’s device.
• Collect personal information as outlined in our Privacy Policy.

Users may uninstall the software at any time, following standard uninstallation procedures on their device.

12.1. Requesting account deletion

You can request account deletion in the app under Account → Personal details → Delete account, or at www.tropitrade.com/account-verwijderen/. We verify and process the request within 30 days. You receive confirmation when deletion is complete. Submitting a request does not mean your account has already been deleted.

12.2. Active services, payments and credit

When handling the request, we check active eSIMs, outstanding payments, any refunds and credit. A deletion request does not automatically cancel a bundle or create an automatic right to a refund. If anything needs to be settled, we contact you about it. The applicable product conditions and your statutory rights continue to apply.

12.3. Data and access

After deletion, you can no longer sign in or view your information through that account. We delete associated personal data that is no longer needed. Information we must retain, for example for record-keeping or resolving a dispute, is handled according to the retention periods and reasons in our Privacy Statement.

12.4. Suspension or termination by TropiTrade

We may restrict or end access in cases of misuse, fraud, breach of these terms, non-payment or a legal obligation. We do so subject to your mandatory consumer rights. Provisions intended to continue after termination remain applicable.

13.1. External links

Our website and app may link to services operated by others, such as payment providers, network partners or device manufacturers’ instructions. Those services may have their own terms and privacy rules. Check them when using the relevant service.

13.2. Google and Apple

If you choose Google or Apple sign-in, we receive the information needed to verify your identity and recognise your TropiTrade account. This does not give TropiTrade access to your personal messages, contacts or photos held by that provider. Our Privacy Statement explains how the information is processed.

13.3. Managing the connection

You can manage TropiTrade’s access through your Google or Apple account settings. Revoking access may stop that sign-in method from working. Use another available sign-in method or contact support. Revoking the connection does not automatically delete your TropiTrade account; use the process in section 12 to request deletion.

14.1 Proprietary Rights

All materials displayed on the Services, including texts, graphics, logos, photographs, audio and video clips, and software (collectively, “Proprietary Materials”) are owned by or licensed to the Service Provider. These materials are protected under both domestic and international intellectual property laws. Unauthorized replication, modification, distribution, transmission, or exploitation of any content from the Services without explicit written permission from the Service Provider is prohibited.

14.2 Trademarks

The Service Provider’s trademarks, service marks, logos, and all other features that identify the Service Provider, including but not limited to its name and logo, are owned exclusively by the Service Provider. Any other trademarks, service marks, and logos found on the Services belong to their respective owners. Usage of any of these marks, including replication or other forms of utilization, without prior written consent from the rightful owner is strictly forbidden.

14.3 User Contributions and Feedback

Users may provide suggestions, feedback, or other inputs regarding the Services. By submitting any feedback, users acknowledge that:

• Their contributions are voluntary and provided without any restriction, thereby imposing no confidentiality obligation upon the Service Provider.
• The Service Provider is entitled to use, disclose, and exploit the feedback without obligation or compensation.
• All communications directed to the Service Provider, including questions or other messages, become the property of the Service Provider upon receipt.

14.4 Licensing Agreement

Users are granted a limited, revocable, non-exclusive, and non-transferable license to access and use the Services according to the terms of this Agreement. This license does not confer any ownership rights to the users, and all rights not expressly granted are reserved by the Service Provider. The users are prohibited from selling, licensing, renting, modifying, distributing, copying, transmitting, publicly displaying, publicly performing, publishing, adapting, editing, or creating derivative works from any Proprietary Materials accessed through the Services.

14.5 Enforcement and Termination

This Agreement governs the use of the Services, and users must adhere to its terms, including any related guidelines or license agreements. The Service Provider reserves the right to alter these terms and terminate user access for non-compliance. Persistent violation of the terms may result in legal action or termination of access to the Services.

We respect the intellectual property rights of others and expect our users to do the same. If you suspect that your copyrighted work has been infringed upon through our Services, please contact our Copyright Agent with the following details at our designated support email: [email protected]:

1. A clear description of the copyrighted work you claim has been infringed and the specific locations on our Services (e.g., URLs) where these materials can be found.
2. Your contact information, including address, telephone number, and email address.
3. A statement asserting that you believe in good faith that the disputed use of the material is not authorized by the copyright owner, its agent, or the law.
4. A declaration, made under penalty of perjury, that the information provided in your notice is accurate and that you are the copyright owner or authorized to act on behalf of the copyright owner.
5. A physical or electronic signature of the copyright owner or someone authorized to act on their behalf.

16.1 Definition

“Confidential Information” encompasses all non-public information related to our business, including but not limited to technical data, trade secrets, knowledge, product plans, designs, business strategies, customer lists, marketing plans, and financial data.

16.2 User Obligations

As a user, you are obligated to:

• Protect any Confidential Information from unauthorized access, disclosure, or use.
• Use the Confidential Information solely in connection with your permitted use of the Services.
• Disclose the Confidential Information only to your employees or agents who need to know such information and who are bound by confidentiality obligations.
• Promptly inform us of any potential or actual misuse or unauthorized disclosure of the Confidential Information.
• On termination of your relationship with us, return or destroy all copies of Confidential Information in your possession.

16.3 Enforcement

We take the protection of Confidential Information seriously and will enforce these provisions rigorously. Failure to adhere to these confidentiality obligations may result in immediate termination of your access to our Services and potential legal action to protect our interests. Your duties regarding the handling of Confidential Information survive the termination of this Agreement.

17.1. AS IS basis

Our Services and Platform are provided on an AS IS and AS AVAILABLE basis. To the extent permitted by law, TropiTrade disclaims all express or implied warranties, including merchantability, fitness for a particular purpose, and non-infringement.

17.2. No guarantee of uninterrupted operation

TropiTrade does not guarantee that the Services will be uninterrupted, error-free, virus-free, or secure. We do our utmost to ensure high availability but cannot guarantee specific uptime, nor the quality of the underlying connections and networks.

17.3. Limitation of Liability

EXCEPT WHERE RESTRICTED BY LAW, IN NO EVENT WILL TROPITRADE BE LIABLE TO YOU FOR ANY INDIRECT, CONSEQUENTIAL, EXEMPLARY, INCIDENTAL OR PUNITIVE DAMAGES, INCLUDING LOST PROFITS, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. TropiTrade’s and its affiliates’ total aggregate liability to you in any circumstances is limited to the total amount of USD 100.00 (one hundred US Dollars).

17.4. Mandatory consumer rights

Nothing in these Terms limits or affects your mandatory consumer rights under the law of the country where you reside. For customers in the European Union, the Netherlands, or Curaçao, local consumer-protection rules apply in full.

18.1. Indemnification by the Customer

To the extent permitted by law, you agree to indemnify TropiTrade and its directors, officers, employees, agents, and contractors against any claims, damages, liabilities, losses and costs (including reasonable legal fees) arising out of or relating to:

• Your use of the Services in violation of these Terms or applicable law.
• Infringement of third-party rights, including intellectual property or privacy rights.
• Inaccurate or misleading information you have provided to TropiTrade.

18.2. Defense and reasonable cooperation

TropiTrade will reasonably defend you against third-party claims that allege the proper, intended use of TropiTrade Services infringes a valid copyright or trademark, provided you promptly notify TropiTrade in writing and provide reasonable cooperation. This protection does not apply to claims resulting from customer modifications, unauthorized use, or combination with third-party products.

18.3. Liability cap

The total aggregate liability of TropiTrade under this section, together with all liability under these Terms, is in all cases limited as set out in Section 17.3 (USD 100.00).

19.1. Governing law and exclusive jurisdiction

Irrespective of the country from which you access our Services or Platform, these Terms and any dispute or claim arising out of or in connection with them or their subject matter shall be governed by and construed in accordance with the laws of the State of Delaware, United States of America, without regard to its conflict-of-laws rules. The state and federal courts located in Delaware shall have exclusive jurisdiction, subject to the consumer-rights exception in Section 19.3.

19.2. Class action waiver

You agree to waive any right to participate as a plaintiff or class member in a class, consolidated, or representative action. Any proceedings to resolve disputes shall be conducted on an individual basis. This waiver does not apply to the extent that mandatory local law guarantees collective redress for consumers.

19.3. Mandatory consumer rights and local jurisdiction

Nothing in these Terms limits or affects your mandatory rights as a consumer under the law of the country where you reside. Consumers in the European Union, the Netherlands, or Curaçao retain the right to bring a dispute before the competent court in their place of residence, to the extent that mandatory local law provides such right.

19.4. Informal resolution first

Before initiating formal proceedings, we ask you to contact our customer support at [email protected] so we can attempt to resolve the matter amicably and quickly.

19.5. Severability and entire agreement

These Terms, together with our Privacy Policy and any other policies referenced herein, constitute the entire agreement between you and TropiTrade. If any provision is held to be unenforceable, that provision will be limited or eliminated only to the minimum extent necessary, and the remaining provisions will remain in full force and effect.

20.1. Program overview

TropiCredits is a customer loyalty program operated by TropiTrade. Eligible orders automatically earn credits that can be applied to future purchases on the Website. Participation is automatic for any customer with a valid email address; no separate enrollment is required.

20.2. Earning credits

On every order with status "Completed", the customer earns credits at the rate announced by TropiTrade from time to time on the Website. The applicable rate may vary based on promotional campaigns, product categories, customer segments, or other commercial considerations. The rate in effect at the time of the order is shown to logged-in customers in their My Credits dashboard. The credits earned for a specific order are shown in the corresponding order confirmation. TropiTrade may change the rate prospectively in accordance with Section 20.13.

20.3. Using credits at checkout

Credits can be applied at checkout via the TropiCredits panel in the discount section. The maximum amount applicable to a single order is limited to the lower of: (a) the customer's available credit balance, or (b) the order total after any coupon discounts and before shipping and taxes. Credits and coupon codes may be combined on the same order.

20.4. Account required to redeem

Earning credits does not require a registered account; credits are tracked against the customer's email address. To redeem credits at checkout, the customer must be logged in to a TropiTrade account associated with that email address. Credits earned as a guest are automatically linked to the customer's account upon registration with the same email.

20.5. Expiry

Credits expire one (1) year after the customer's last credit-affecting activity (earn, redeem, or refund). Each new earning event extends the expiry period by another year. Expired credits are forfeited and cannot be reinstated.

20.6. No cash value; non-transferable

Credits have no cash value and cannot be exchanged for cash, transferred to another customer, gifted, sold or assigned. Credits may only be used to reduce the payable amount of an order placed by the same customer. Credits do not accrue interest.

20.7. Refunds and reversals

When an order is refunded in whole or in part: (a) credits earned on the refunded portion will be reversed proportionally, and (b) credits that the customer used on the refunded portion will be returned proportionally to the customer's balance. The adjustment is calculated automatically and reflected in the customer's transaction history.

20.8. Fraud and abuse

TropiTrade reserves the right to cancel, reverse, or withhold credits, and to suspend or terminate the customer's account, in the event of fraud, abuse, manipulation (including attempts to circumvent the technical controls of the credit system, multiple-account schemes, or unauthorized transfer of credits), or any violation of these Terms or applicable law. Each natural person is entitled to participate in the program with one (1) account only.

20.9. Eligibility

The TropiCredits program is open to individual consumers aged eighteen (18) years or older. The program is not available for wholesale, reseller, or other business accounts unless TropiTrade has explicitly agreed otherwise in writing. TropiTrade may restrict participation in specific countries or regions where required by applicable law or commercial policy.

20.10. Promotional and gift credits

From time to time TropiTrade may grant credits outside the standard earning rate, including but not limited to promotional bonus credits, gift credits (for example as part of the TropiTrade gift-eSIM flow), goodwill adjustments, or compensation credits. Such credits may be subject to specific terms (different expiry, restricted product scope, non-refundable, time-limited) which will be communicated at the time the credits are granted. Where no specific terms are communicated, the rules of this Section 20 apply by default.

20.11. Account closure

If the customer closes their TropiTrade account, or if TropiTrade terminates the account in accordance with these Terms, the customer's credit balance is forfeited as of the moment of closure and cannot be reinstated, except where mandatory consumer law requires otherwise. Pending earned credits that have not yet been credited at the time of closure may be cancelled at TropiTrade's discretion.

20.12. Tax considerations

TropiTrade does not provide tax advice in connection with the TropiCredits program. Any tax consequences arising from the receipt or use of credits are the sole responsibility of the customer. Customers in business contexts are encouraged to consult their own tax advisor regarding the treatment of credits as a price reduction or otherwise.

20.13. Modification and termination of the program

TropiTrade may change the earning rate, the expiry period, the maximum amount applicable per order, the list of eligible products or services, or any other parameter of the program at any time. TropiTrade may also suspend or terminate the TropiCredits program in whole or in part. Material changes will be communicated via the Website and/or by email at least thirty (30) days before they take effect, except for changes required by law or necessary to address fraud, security, or technical issues. Credits already earned remain valid under the rules in force at the time they were earned.

20.14. No warranty on continuity

Participation in the TropiCredits program does not create any contractual right to a specific credit balance, to a specific earning rate, or to any specific program parameters in the future. Credits represent a discretionary benefit granted by TropiTrade and are subject to the limitations of liability set out elsewhere in these Terms.