TERMS OF PARTICIPATION IN THE “SNAPPI FRIENDSLIST” ACTIVITY

“SNAPPI BANK S.A.” (hereinafter referred to as “SNAPPI”), in the context of promoting its products and services, is organizing the “FRIENDSLIST” Activity (hereinafter referred to as “the Activity”), for the pilot release of the new banking application “Snappi” to a limited group of users (“Pilot Phase”) prior to the official launch, in accordance with the following terms. Before participating in the Activity, please read carefully the present Terms of Participation (hereinafter referred to as “Activity Terms”), which are available through a dedicated link on SNAPPI’s website (https://www.snappibank.com) and are provided exclusively to individuals invited to participate in the Activity. If you do not accept the Activity Terms, you should not take part in the Activity.

RIGHTS AND CONDITIONS OF PARTICIPATION

1. Participation in the Activity is strictly limited to natural persons who:
   a) are tax residents of Greece,
   b) have legally obtained a referral code to participate in the Activity, and
   c) are at least 18 years of age and possess full legal capacity.
2. Participation in the Activity requires and implies unconditional acceptance of all present terms, even if they are amended in the future as described below, as well as acceptance of the Privacy Policy and the Terms of Use of the website https://www.snappibank.com.
3. Participants declare their participation by completing and submitting the designated electronic form, which will be available exclusively through a special link on the website https://www.snappibank.com and will not be accessible through public browsing, as the link is shared exclusively via email.
4. Any participation that does not comply with these terms is considered invalid.
5. The referral code is strictly personal, non-transferable, and not shareable. Any publication or use by third parties is strictly prohibited. SNAPPI reserves the right to verify the authenticity and lawful use of each code and to cancel participation in the event of a violation of this term.
   

    

   DESCRIPTION AND CONTENT OF THE ACTIVITY

1. The Purpose of the Activity is the pilot release of the “Snappi” application to a limited number of users, who were specifically invited for this purpose and received a corresponding referral code. The Activity also aims to identify any technical or operational areas for improvement, as well as to collect feedback and suggestions from participants, in order to optimally shape SNAPPI’s services before making them available to the wider public.
2. To participate in the Activity, individuals must complete the participation form with their full name, email address, mobile phone number, nationality, and personal referral code.
3. Participants will receive, at the email address provided, a notification inviting them to download the SNAPPI app from the App Store or Google Play, so they can follow the process provided through the app ("Digital Onboarding") in order to become customers of SNAPPI.
4. Participants may not assign, transfer, or otherwise dispose of any of the rights, privileges, or obligations arising from this Agreement.
5. Each participant is required to provide in the participation form the same and accurate information as they will use during the Digital Onboarding process via the SNAPPI app. SNAPPI bears no responsibility in the event participants provide incorrect information (e.g., incorrect email address during submission of the participation request in the Activity).
6. It is clarified that SNAPPI reserves the right to reject registration requests during the Digital Onboarding process if the terms and conditions it has set for new customer registration are not met, or if the participant does not accept the corresponding terms and conditions. Participants acknowledge that if they do not meet the criteria for registering as a new customer of SNAPPI according to the applicable regulatory framework and the terms set forth in the SNAPPI application, they will not be able to complete their registration in the digital application or may be required to contact SNAPPI and provide additional documents.

DURATION – STAGES OF THE ACTIVITY

1. Submissions for participation will be accepted from 08/05 to 31/05 [until 11:59 p.m.]. Any participation submitted outside this specified time frame will be considered invalid and will not be considered.
2. SNAPPI reserves the right to shorten or extend the duration of the Activity by amending the present terms with immediate effect. Such an amendment will take effect from the relevant announcement, which SNAPPI will communicate by any appropriate means, including by sending an email to the contact information provided by each participant for the purposes of the Activity.
3. SNAPPI will, at a time it determines, even after the end of the Activity period, send instructions for the participant’s registration as a new customer. SNAPPI is not bound to a specific timeframe for when the Snappi application will become available, nor for when the Digital Onboarding process will be possible.
4. At any time during the Activity, SNAPPI has the right to request confirmation of a participant's identity and/or the validity of their participation. In the event of non-compliance with these terms, SNAPPI may cancel the participant’s entry without further notice.
5. In any case, participation may be canceled at any stage — even if the participant has already completed the Digital Onboarding — for the following reasons:
   (a) non-compliance with any of the present terms, all of which are considered essential,
   (b) submission of false or inaccurate information in the participation form or during the Digital Onboarding process,
   (c) inability to contact the participant in a timely manner for any reason,
   (d) failure to confirm the identity and age of the participant as required.

LIMITATION OF SNAPPI'S LIABILITY

1. The use of the Snappi application within the framework of the Activity may involve limitations or technical instabilities, which are solely related to the fact that this is the initial release phase of the application and may affect the availability or performance of certain non-critical features. Snappi makes every reasonable effort to ensure the uninterrupted operation of the application.
2. By submitting a participation request in the Activity, participants acknowledge and accept that:

• The application, along with Snappi’s related systems, products, and services, is in a Pilot Phase and therefore not in full operational readiness, thus it may also exhibit limitations or deficiencies that could impact functionality and security, as well as Snappi’s ability to correct any arising errors. Accordingly, the use of the Snappi application is subject to potential technical or operational issues that may affect the performance or availability of specific features.
• Snappi reserves the right to modify, discontinue, or restrict access to the application without prior notice, as part of the Pilot Phase.
• Snappi bears no liability for compensation regarding any indirect or consequential damages arising from errors or temporary unavailability of the application during the pilot cycle, nor for any act or omission not due to willful misconduct or gross negligence.

1. Given that during the Pilot Phase Snappi will continue to optimize its services, products, and the terms governing their operation, participants accept that contractual documents such as general terms of service, policies, and procedures disclosed during the Pilot Phase may be subject to modification prior to the official full-scale launch of Snappi.

TERMS OF PERSONAL DATA PROCESSING

1. This section contains information about the collection and processing of your personal data for the purposes of conducting the Activity. If you complete the Digital Onboarding, the privacy policy presented during that process will also apply.
2. Snappi collects directly from you the data you have provided in order to participate in the Activity.
3. The recipients of your data will only be authorized partners of SNAPPI who assist in the implementation of the Activity (e.g., cloud hosting providers, marketing providers). The processing of your personal data by SNAPPI will be carried out exclusively for the execution and implementation of the Activity and your participation in the Pilot Phase. Participants’ personal data will not be transferred outside the European Economic Area. SNAPPI takes all appropriate technical and organizational measures, as defined by applicable law, to ensure an adequate level of protection for the participants’ personal data.
4. SNAPPI processes the data you provided in the participation form for the following purposes:

1. The organization and completion of the Activity,

1. 1. Communication with you within the framework of the Activity (Legal basis: performance of a contract),
   2. Sending newsletters, provided you have accepted this option (Legal basis: consent).
2. Participants’ personal data will be retained as follows:
   (a) If participants gain access to the SNAPPI application and successfully complete their registration as SNAPPI customers, their data will be retained according to the Privacy and Data Protection Policy they will have accepted upon completing Digital Onboarding.
   (b) If participants do not successfully complete their registration as customers, their data will be deleted 12 months after the date on which the application became available to them and they were given the opportunity for Digital Onboarding.
   (c) If you have consented to receiving newsletters from SNAPPI, your data will be retained until you withdraw your consent (unsubscribe).
3. The Data Controller for the participants’ personal data is SNAPPI, and it processes only the data you disclosed through the participation form in the Activity.
4. Every participant has the right to access, information, rectification, or objection to the further processing of their personal data, as provided by the General Data Protection Regulation (EU Regulation 2016/679 and Greek Law 4624/2019), as well as the right to lodge a complaint with the competent supervisory authority (Hellenic Data Protection Authority: 1-3 Kifisias Ave., 115 23, Athens, phone No: +30 210 6475600, e-mail: contact@dpa.gr). To exercise these rights, participants may contact SNAPPI at dpo@snappibank.com.
5. If you consent, SNAPPI will send you news and updates even if you do not complete the Digital Onboarding. In this case, your data will be processed based on your consent. Υou may freely withdraw your consent at any time. If you choose to receive SNAPPI news and updates, we will retain the data you provided through the Activity participation form for the purpose of sending our SNAPPI news and updates, until you withdraw your consent. Your personal data will not be shared with third parties, and the Data Controller will remain SNAPPI. To withdraw your consent, you may contact SNAPPI by sending an email to dpo@snappibank.com.

APPLICATION EVALUATION – CONFIDENTIALITY

Participants shall respond to Snappi’s evaluation requests and may also voluntarily inform Snappi about any errors, malfunctions, or suggestions for product or services improvement they identify while using the application. At the same time, participants undertake the obligation not to disclose to third parties outside Snappi any information or data that comes to their attention as a result of or in connection to their participation in the Activity (e.g., any identified errors or technical features of the application), unless such information has already been made public or its disclosure is required by applicable legislation, by a decision of a competent administrative authority, or by a court decision.

MISCELLANEOUS TERMS

1. SNAPPI reserves the right to unilaterally amend these terms, shorten or extend the duration of the Activity, or cancel it, with prior notice through any appropriate means, including the website https://www.snappibank.com/ or via email. SNAPPI bears no liability regarding the postponement or cancellation of part or all of the Activity at any stage.
2. These terms shall remain in effect until the end of the Pilot Phase and shall prevail over any general terms of transactions or other agreements that any participant may enter into with Snappi in connection with their participation in the Activity or their use of Snappi’s products and services during the Pilot Phase. The conclusion of the Pilot Phase is defined as the launch of Snappi’s full-scale operations and the availability of its products and services to the public without special participation criteria.
3. Participants acknowledge that communication with SNAPPI for the purposes of the Activity may be conducted electronically and bear sole responsibility for the accuracy and validity of the contact information they provide.
4. If a participant wishes to withdraw from the Activity, they may send an email to info@snappibank.com with the subject line “Withdrawal Request from the ‘FRIENDSLIST’ Activity.” In this case, their participation will be canceled and their personal data deleted.
5. SNAPPI bears no responsibility in the event of incorrect or incomplete data provided by participants, or if any participant does not meet the requirements to join the SNAPPI application and become a client according to the Digital Onboarding terms and conditions.
6. SNAPPI is not liable in any way for (i) disruptions in network, hardware and software of the participant and/or any kind of malfunction of the application that may lead to limited, delayed, or failed registration of participation or any other issue or damage.
7. SNAPPI reserves the right at any time to exclude any participant who has submitted false or inaccurate entries or personal information.
8. These Activity Terms, as currently in force, are governed by Greek Law. Any dispute arising from the interpretation or application of the above terms shall fall under the concurrent jurisdiction of the Courts of Athens (Central Headquarters), along with any other competent courts as defined by law.