Competition Terms The terms set out below apply generally to the competitions that Zilch operates from time for time. For terms relating to a specific competition please scroll further below. Our prize draws are open to all UK residents aged 18 years or over, except our employees, their families, agents or any third party directly associated with administration of the prize draw. The prize draws are free to enter unless stated otherwise. Each prize draw shall be open for a specific time period. Entries received after this time period will not be counted or considered. We accept no responsibility for any incomplete entries or any entries not successfully completed due to a technical fault of any kind. A winner for a prize draw will be chosen by a random draw or, where there is any element of subjective judgment, by an independent judge, on the day of each draw. The winner will receive the prizes advertised on Zilch’s social media, via email or mailshot, or via an approved third party’s social media that relates to the competition. The winner will be notified by email or via social media (using the details provided at entry) as soon as practicable after the date of the relevant prize draw and must provide a postal address, email address and contact number to claim their prize. If a winner does not respond to Zilch within 5 days of being notified, then the winner’s prize will be forfeited, and we will be entitled to select another winner in accordance with the process described above. The prize will be sent to the winner by post within 14 days of being notified of their win. If the prize is a voucher/Zilch credit it will be sent via email within 14 days. The prize for the winner is non-exchangeable, non-transferable and no cash alternative is offered. Our decision regarding any aspect of a prize draw is final and binding and no correspondence will be entered into about it. We must either publish or make available information that indicates that a valid award has taken place. To comply with this obligation for social competitions, we will post the name of any winners to social media on the day after each prize draw is carried out. Additionally for all competitions we will send the surname and county of prize winners to anyone who contacts us via our customer service team (via our purple support button located at the bottom of our FAQ’s page). If you object to such information being published or made available, please contact us via our customer support team. In such circumstances, we must still provide the information and winning entry to the Advertising Standards Authority on request. Participants are deemed to have accepted and agreed to be bound by these terms and conditions upon entry. We reserve the right to refuse entry or refuse to award the prize to anyone in breach of these terms and conditions. We reserve the right to hold void, cancel, suspend, or amend the promotion where it becomes necessary to do so Insofar as is permitted by law, we, our agents or distributors will not in any circumstances be responsible or liable to compensate the winner or accept any liability for any loss, damage, personal injury or death occurring as a result of taking up the prize except where it is caused by our negligence, our agents or distributors or that of their employees. Your statutory rights are not affected. Personal data supplied during the course of this promotion will only be processed as set out in these terms and our privacy policy. Each prize draw will be governed by English law and entrants to each prize draw submit to the jurisdiction of the English courts. The promoter of this prize draw is Zilch Technology Limited of 111 Buckingham Palace Road, London, England, SW1W 0SR. Zilch Out In the Wild Social Media Giveaway Terms and Conditions 1. Promoter The promoter of this giveaway is Zilch Technology Limited with registered address of 111 Buckingham Palace Road, London, SW1W 0SR, company number 11488502 (“Zilch”). 2. Eligibility This giveaway is open to residents of the United Kingdom aged 18 years or over at the date of entry. Employees, contractors and agents of Zilch, their immediate families and household members, and anyone professionally connected with the giveaway are excluded. Internet access and a valid public Instagram account are required. Entries made through agents, third parties, organised groups or automated means are not permitted. This giveaway is not open to individuals under the age of 18. Zilch does not knowingly collect personal data relating to children in connection with this giveaway. 3. Promotional Period The giveaway opens at 11:00am on 05/08/2026 and closes at 23:59 pm on 15/08/2026 (the “Promotional Period”). Entries received outside the Promotional Period will not be valid. 4. How to Enter To enter, during the Promotional Period participants must: a. take a picture with their physical Zilch card being used “out in the wild”; and b. email the picture to [email protected] Multiple entries are permitted. Each different picture emailed in will count as one entry. No purchase is necessary. Standard internet and data charges may apply. Participants may be encouraged to share their pictures on Social Media but this is not a requirement to enter the giveaway. 5. Entry Requirements and Conduct Entries must not contain any content that is unlawful, infringing, defamatory, obscene, hateful, harassing, or otherwise inappropriate, or that promotes third-party brands, products or services. Zilch may, at its sole discretion, disqualify any entry that breaches these terms, appears to manipulate the entry process, or is otherwise unfair to other participants. Ensure that your submission does not show a child; wherever reasonably possible, no other person is identifiable in the photograph; and any person who is identifiable in the photograph has been informed about the submission and has agreed to appear in it. Submitted photographs will be treated in one of the following ways: Identifiable Images: photographs containing an identifiable person or other personal data will be used only to administer the giveaway, assess the entry and, where relevant, verify or evidence the winning entry. They will not be used for Zilch’s advertising or general marketing and will normally be deleted within three months after the end of the Promotional Period. Non-Identifiable Images: photographs that do not contain personal data may be retained and used by Zilch for the marketing and promotional purposes described in clause 10. 6. Prize 10 winners will each receive £50 in Zilch rewards, credited to their eligible Zilch account. Zilch rewards are not cash, have no cash value, and are non-transferable, non-exchangeable and non-refundable. No cash alternative is available. Rewards are subject to the applicable Zilch account terms, reward terms and any restrictions notified to the winner. A winner must have an eligible Zilch account and complete any required verification to receive the prize. If they do not, the Promoter may withdraw the prize and select an alternative winner. Each entrant may win a maximum of one prize. The Promoter may substitute a prize with an alternative of equal or greater value where necessary. Prizes will be credited within 7 days of successful verification and acceptance. No physical prize will be delivered. Winners must have an active and eligible Zilch account to receive the prize. If a winner cannot receive Zilch rewards, the Promoter may withdraw the prize and select an alternative winner. 7. Winner Selection and Notification At the end of the Promotional Period, ten winners will be selected at random from all valid entries using a verifiably random computer process via a third-party random selection tool. Zilch will notify the provisional winner as soon as practicable by email to the email account used to enter. The provisional winner must respond within 5 days of the notification with their full name (as associated with their Zilch account) and age confirmation. If the provisional winner does not respond in time, fails verification, or declines the Prize, Zilch reserves the right to disqualify that entrant and select an alternative winner using the same process. Zilch may request reasonable proof of identity and eligibility (for example, a copy of a passport or driving license and proof of UK address). 8. Publicity and Winners’ Details The winner’s surname and county may be made available on request for 1 month after the end of the Promotional Period by emailing [email protected], subject to the winner’s right to object or to request limited disclosure. If you object to your surname and county being made available, please inform Zilch when you claim the Prize. In such circumstances, Zilch must nevertheless provide the information and winning entry to the Advertising Standards Authority on request. The winner may be asked, but is not obliged, to participate in reasonable publicity relating to the giveaway. 9. Data Protection Zilch is the controller and responsible for personal data processed in connection with this giveaway. Zilch will collect, use, store, process or transfer personal data of participants, including but not limited to email address, name, contact details, the submitted photograph the information visible within it, for the purposes of administering the giveaway, verifying eligibility, contacting the winner, and fulfilling the Prize. This may include any verification information reasonably required to confirm eligibility. Zilch uses this personal data to administer the giveaway, verify valid entries and eligibility, select and contact the winner, arrange fulfillment of the Prize, prevent fraud, misuse or abuse of the giveaway, respond to complaints, disputes or regulatory requests, and maintain records relating to the administration of the giveaway. Zilch uses Wask, a third-party random winner selector to randomly select a winner from valid email entries. In order to do this, Wask may process email addresses. Any processing carried out by Wask will be subject to Wask’s own privacy notice, available at https://www.wask.co/privacy-policy. Where a third-party tool is used, Zilch will only share the minimum information necessary to complete the random selection and will not share submitted photos, Zilch account data, card details or transaction information with the tool. The lawful basis for processing of the personal data of participants is Zilch’s legitimate interests in administering and protecting the integrity of the giveaway, verifying eligibility, preventing fraud or misuse, responding to complaints or regulatory requests, and maintaining appropriate records. Personal data will be handled in accordance with applicable data protection laws, including UK GDPR and the Data Protection Act 2018. The terms of Zilch’s privacy notice, available at https://www.zilch.com/uk/privacy-notice/, will also apply to entrants of this giveaway to the extent applicable to the personal data processed in connection with the giveaway. Personal data may be shared with, or made accessible to, third parties involved in administering the giveaway, including Wask or another equivalent random selection tool used to select the winner, prize fulfilment partners, delivery providers, and regulators or competent authorities where required. Zilch applies the following retention periods: Identifiable Images: Zilch will delete all copies under its control within three months after the end of the Promotional Period. No further advertising, promotional or general marketing use will be made of such images. Entry administration information: non-winner email addresses, entry logs and related correspondence will be deleted or irreversibly anonymised within three months after the end of the Promotional Period, unless a complaint, dispute, regulatory enquiry, fraud investigation or legal claim requires temporary continued retention. Non-Identifiable Images: photographs that Zilch has reasonably determined do not contain personal data may be retained for the duration of the licence described in clause 10. Winner records: information required to evidence the draw, award and fulfilment of the Prize may be retained for up to six years after the end of the Promotional Period where reasonably required for legal, accounting, audit or regulatory purposes. Verification documents: copies of passports, driving licences or other verification documents, where collected, will be deleted promptly after verification and expiry of any immediately relevant challenge period. Zilch may retain a record that verification was successfully completed without retaining the underlying document. Exceptions: where information must be retained in connection with a legal claim, regulatory request, investigation or legal obligation, Zilch will restrict its use to that purpose and delete it when continued retention is no longer necessary. Individuals have rights under data protection laws in relation to their personal data, including rights of access, rectification, erasure, restriction, objection and portability, subject to applicable legal conditions and exemptions. Individuals also have the right to complain to the Information Commissioner’s Office. Questions about how personal data is used, or requests to exercise data protection rights, can be sent to [email protected]. 10. Content By submitting any photo, caption or other content as part of this promotion, you confirm that you created it or have permission to share it, and that you have permission from anyone identifiable in it. You must not include full card numbers, security details, receipts, transaction information, other financial information, children, bystanders, or any person who has not agreed to appear in the photo. Zilch may reject or ask you to resubmit any entry that contains unnecessary personal data or information that Zilch considers unsuitable for publication. You retain ownership of your content. However, by submitting it, you grant Zilch Technology Limited and its group companies a worldwide, royalty-free, non-exclusive licence to use, edit, publish and share the content, including your name, username, image, likeness and caption, for the purposes of administering, promoting and publicising this promotion, Zilch and Zilch’s products and services. This includes use on Zilch’s social media channels, website, app, emails, advertising, PR and internal communications. We are not obliged to use any submitted content. To the fullest extent permitted by law, you waive any moral rights you may have in the content in connection with our use of it. Any personal data included in your content will be processed in accordance with our Privacy Notice. Zilch will use an Identifiable Image only to administer the giveaway and will not use it for advertising, social media or other marketing. Zilch will delete Identifiable Images in accordance with clause 10. Zilch may use an Identifiable Image for separate marketing or publicity only after obtaining a separate written consent from the participant and, where required, any other identifiable person. Refusal will not affect entry into the giveaway or entitlement to a Prize. A “Non-Identifiable Image” is a photograph that does not contain an identifiable person, personal data, confidential or financial information, or third-party content that Zilch is not permitted to use. By submitting a Non-Identifiable Image, the participant grants Zilch Technology Limited and its group companies a worldwide, royalty-free, non-exclusive, transferable and sublicensable licence to use, copy, store, edit, publish and share the image for advertising, marketing, promotional, social media, website, app, email, public relations and internal communications purposes. The license begins when the image is submitted and continues for [five years]. Zilch is not required to use the image. No payment, further approval or attribution will be due for any use permitted by the license. 11. Liability Nothing in these terms excludes or limits liability for death or personal injury caused by negligence, fraud, or any other liability that cannot be excluded by law. Subject to the foregoing, Zilch is not responsible for and accepts no liability for: entries lost, delayed, misdirected or not received; technical, hardware or software failures, network or platform errors or unavailability; user errors; or any loss, damage or injury arising from participation in the giveaway or acceptance or use of the Prize, to the extent permitted by law. Consumer statutory rights are not affected. 12. Moderation, Fraud and Disqualification Zilch may refuse to award the Prize or withdraw entitlement where it reasonably suspects an entrant of breaching these terms, engaging in fraud, dishonesty, or any unlawful or improper conduct, including creating multiple or fake accounts, using bots or scripts, or interfering with the operation of the giveaway. Zilch’s decisions are final and no correspondence will be entered into. 13. Cancellation and Variation If the giveaway is not capable of being conducted as planned for reasons beyond Zilch’s reasonable control, including but not limited to pandemics, acts of God, war, strikes, or technical failures. Zilch reserves the right to cancel, terminate, modify or suspend the giveaway or these terms on reasonable notice where practicable. Any material changes will be communicated via Zilch’s Instagram account. 14. General By entering, participants agree to be bound by these terms and conditions. If any provision is found invalid or unenforceable, the remainder shall remain in full force and effect. Failure by Zilch to enforce any provision shall not constitute a waiver. These terms are governed by the laws of England and Wales. The courts of England and Wales shall have exclusive jurisdiction over any dispute arising in connection with these terms or the giveaway. Consumers resident in Scotland or Northern Ireland may additionally bring proceedings in their local courts. 15. Contact Questions about the giveaway or these terms should be directed to [email protected].