TERMS & CONDITIONS OF ACTIVITY

"Snappi BANK S.A." (Krystalli 7A, Ioannina, TIN: 801858330, hereinafter "Snappi") in the context of promoting its products and services, organizes, as part of the Christmas sales period the promotional campaign described below (hereinafter referred to as "the Activity") which concerns purchases made using the Snappi Pay Later payment method in its partners' online stores ("e-shops") and is aimed at existing and new Snappi customers (“Customers”) in accordance with the following terms and conditions. Before participating in the Activity, please read these Terms and Conditions of Participation ("the Activity Terms") carefully, which are also posted on the website https://www.snappibank.com/el/snappi-cashback/ .If you do not accept the Activity Terms, you should not participate in the Activity.

Α. ELIGIBILITY AND CONDITIONS OF PARTICIPATION

1. Eligibility to participate in the Activity is granted to persons who cumulatively meet the following criteria and complete during the Duration of the Activity (see term C.1 below) the following steps ("Beneficiaries"):

1.1. They are already or become Snappi Customers, i.e. they successfully and fully complete their registration (Digital Onboarding) in the Snappi application, which includes verification of prospective Customers' details and ensuring that they meet all the conditions set out in Snappi's Terms and Conditions of Transactions. If, for any reason, Snappi requests verification of the application user's details, only those registrations in which the user has successfully completed all the required and/or additional identification and confirmation steps requested by Snappi will be considered complete. It is clarified that persons who have obtained Youthpass from Snappi are not considered Customers for the purposes of the Activity, and in order to become Beneficiaries, they must complete the Digital Onboarding and become Snappi Customers within the Duration of the Activity.

1.2. They make purchases of one hundred euros (€100) or more (excluding any shipping costs) from the e-shops of participating stores using the Snappi Pay Later payment method.

1. Purchases worth €100 or more must be made in a single purchase at each e-shop using the same Snappi Pay Later payment method and do not include any product shipping costs. Multiple purchases made (a) at different times and/or (b) using another payment method offered by Snappi do not make Snappi Customers eligible for the Gift. 
2. Participation in the Activity requires and implies unconditional acceptance of all of these terms and conditions, even if they are modified in the future, as stated below, as well as the Privacy Policy and Terms of Use of the website https:// www.snappibank.com.
3. Each person is entitled to one entry in the Activity. If someone has already participated in the Activity, they are not entitled to receive the Gift. If someone has received the Gift using the Snappi Pay Later payment method, they will not be entitled to receive the Gift using another method.
4. It is clarified that the Customer's participation in this Activity is independent and is not affected by any participation in other activities. Provided that the actions required on their part to meet the respective conditions for participation in each of the activities are met independently and are not mutually exclusive, the Customer is entitled to receive a gift from more than one activity.
5. Any entry that does not comply with these Terms is invalid.

Β. DESCRIPTION OF ACTIVITY & GIFT 

1. After the full settlement of the purchase made through Snappi’s partner e-shops, thirty euros (€30) (the “Gift”) will be credited to one of the Beneficiary’s Snappi accounts directly by Snappi. The Beneficiary may use the Gift at any time, for any transaction of their choice, provided that Snappi’s Terms and Conditions for Transactions are met.
2. In the event of total cancellation or total withdrawal from the sales contract with the participating stores in accordance with the provisions of Law 2251/1994 (Articles 3e et seq.) and/or their return policy, the partner stores will refund the full purchase amount to the Customer and the Gift will not be awarded. In the event of partial withdrawal from the sales contract, the Gift will only be awarded if the total price after withdrawal is still €100 or more. The Gift will not be awarded even in the event of a subsequent purchase by the Customer, even if the Customer meets the conditions of term A above, even if they withdraw and make a new purchase within the Duration of the Activity. In the event that the Customer withdraws and the Gift has already been awarded, Snappi reserves the right to seek the amount of the Gift by charging the Customer's account with the corresponding amount, for which the Customer already authorizes Snappi by participating in this Activity.  
3. Snappi reserves the right to modify the activation mechanism and the process of awarding the Gift, informing the Customers in a timely manner by amending these Terms or by sending a message itself (email, SMS, Viber). 
4. Each Customer may receive the Gift only once.
5. If the Customer requires further clarification, they can contact Snappi, exclusively for issues related to their in the participation in the Activity, the award of the Gift and their registration on the Snappi application (Digital Onboarding), at: 

By email at: Customer@snappibank.com 

By telephone at: 210 483 8000.

6. It is clarified that Customers are not eligible for the Gift if:

6.1 Make purchases at the partner stores worth less than one hundred euros (€100)

6.2. Make multiple purchases, each less than €100 but with a total amount of €100 (and above) (a) at different times and/or (b) using different Snappi payment methods do not make Customers eligible for the Gift.

6.3. Complete the transaction without using Snappi's Snappi Pay Later payment method.

6.4. Complete any of the prerequisite actions outside the Duration of the Activity.

C. DURATION 

1. 1. Participation in the Activity is possible from December 9, 2025 (00:01 Greek time) to December 31, 2025 (12:00 PM Greek time) ("Duration of the Activity"). Snappi reserves the right, but is not obligated, to change the Duration of the Activity by giving Customers prior notice through its channels/media. 

• Purchases made in the e-shops of participating stores before or after the end of the Duration of the Activity are not considered valid for the awarding of the Gift to Customers, even if the Customer has become a Snappi Customer prior to or during the Duration of the Activity.  

D. RESTRICTIONS

1. It is clarified that the registration option provided through the Activity does not automatically render Customers a client of Snappi. Customers accept that if they do not meet the General Terms and Conditions of Transactions for registering as a new Snappi Customer in accordance with the applicable regulatory framework and Snappi's terms and conditions as displayed in the Snappi application, they will not be able to complete their registration in the digital application or may be required to contact Snappi to provide any additional documents. Snappi reserves the right to reject registration applications during Digital Onboarding if the General Terms and Conditions of Transactions set for new Customer registration are not met, as well as to reject any participation at any stage - even at the stage of awarding the Gift, if the Member does not meet all the Terms of the Activity, which are all considered essential. Customers must complete any process required by Snappi in order to verify their details and complete the know your Customer process, even after completing Digital Onboarding. Otherwise, Snappi reserves the right not to award or to cancel the Gift. Similarly, Snappi reserves the right, at its sole and absolute discretion, to accept or reject any Customers’s application to register as a Customer for any reason (e.g. if they do not successfully complete the identification and registration process in accordance with Snappi's procedure, e.g. verification of details), or if illegal or unconventional use of the Gift or details is detected or suspected. 
2. Snappi reserves the right to deem any Customer ineligible and not award the Gift for any reason (e.g. if information is pending for the successful completion of the identification and registration process in accordance with Snappi's procedure, e.g. verification of details), illegal or unconventional use of the Snappi application is detected or suspected, or the Customer does not comply with the Terms of the Action or the Snappi Terms and Conditions of Transactions. The same applies in the event of force majeure affecting Snappi.

3.In any case, Snappi reserves the right to offer alternative gifts of its own choosing. In the event of force majeure, security reasons, or other circumstances beyond Snappi's control, Snappi may and is entitled NOT to offer the Gift, in which case it shall be released from any liability and shall not be obliged to offer alternative gifts of any form or value. 

E. CONDITIONS FOR PROCESSING PERSONAL DATA 

1. This section contains information about the collection of your personal data and their processing for the purposes of conducting the Activity and awarding the Gift. Please also refer to our Privacy Policy, which is posted on our website, and which applies in addition to these terms. 
2. Recipients of your data will only be SNAPPI's authorized partners, which assist in the implementation of the Activity (e.g. cloud hosting provider, marketing provider, social media manager, etc.) Your personal data will be processed exclusively for the purpose of executing and implementing the Activity and your guidance for obtaining the Gift. The personal data of the participating persons will not be transferred outside the European Economic Area. SNAPPI takes all appropriate technical and organizational measures, as defined in the applicable legislation, to ensure an appropriate level of protection for the personal data of participants. 
3. Snappi processes the transaction and usage data of the Snappi Pay Later payment method you use to complete the transaction from the e-shops of the partner stores and the contact details it already holds for you as a Customer for the purposes 1. Verifying your transaction with partner stores through Snappi Pay Later for the purpose of awarding the Gift, and 2. Providing information and communication in the context of the Activity (Legal basis for processing: performance of contract). 
4. Snappi retains your purchase data in accordance with its Privacy Policy. Data related to your participation in the Activity and the awarding of the Gift is retained in accordance with the above Policy (for the entire duration of our contractual relationship and for at least 20 years after its termination). 
5. Snappi is responsible for processing your personal data for the purposes mentioned above. However, please note that for purchases made through the e-shops of stores cooperating with Snappi, the Privacy Policy of the respective store applies.
6. Each Client has the right of access, information, correction, objection to further processing of their personal data, as provided for in the General Data Protection Regulation (EU Regulation 2016/679 and Law 4624/2019) and the right of appeal to the competent supervisory authority (the Data Protection Authority): Kifissias 1-3, P.C. 115 23, Athens, Greece, telephone: +30 210 6475600, e-mail: contact@dpa.gr). To exercise their rights, each participating person may contact SNAPPI, at the contact details dpo@snappibank.com.
7. If you explicitly consent to this, Snappi will send you news and updates based on your consent. You can freely revoke your consent to processing for any of these purposes at any time. If you choose to receive news and updates from Snappi, we will retain the data you have provided to us via the participation form for the purpose of sending you news and updates from Snappi until you withdraw your consent. Your personal data will not be disclosed to third parties, and Snappi will still be the Data Controller. To withdraw your consent, you can contact Snappi by sending an email at dpo@snappibank.com.

F. OTHER TERMS AND CONDITIONS 

1. SNAPPI reserves the right to unilaterally modify these terms and conditions, to shorten or extend the duration of the Activity or to revoke it with prior notice by any appropriate means, to replace the Gifts with others of equal value at its discretion and in general to modify any term of the Activity by means of an announcement through the website https://www.snappibank.com/. SNAPPI shall be exempt from any liability in relation to the postponement or cancellation of the Activity and/or the draw or the aforementioned amendments thereto, which shall apply as set out above and, in any case, shall reserve the right to award or not award the gifts to the Beneficiaries, in the event that their purchases had been completed  prior to the postponement or cancellation of the Activity or prior to the amendment of these Terms and Conditions of Activity for any reason whatsoever.
2. SNAPPI is not liable in any way for (i) network, hardware and software disruptions of the participant's network and/or malfunction of the application of any nature that may result in limited, delayed or lost entry or any other problem or damage and/or for the malfunction of the online stores of partner stores.
3. If a person does not wish to receive the Gift, despite fulfilling the conditions of these Terms, they may send a message to Customer@snappibank.com with the subject line "Request to withdraw from the Snappi Snappi Pay Later Cashback." In this case, the process of awarding the Gift will be terminated and their personal data will be deleted.
4. Snappi bears no responsibility for the quality, condition, availability, defects, or any other shortcomings of the products or services that Customers get from the partner stores, or for any delays, cancellations, incorrect charges, or other actions or omissions of the partner stores. Any relevant requests, complaints, or claims by Customers regarding the above products or services should be addressed exclusively to the partner stores, in accordance with their Customer service policy and procedures.  
5. In the event that any provision is deemed invalid, such partial invalidity shall not invalidate the entire Terms.
6.  The Terms of Activity, as applicable, are governed by Greek Law. For any dispute that may arise as to the interpretation or application of the above terms, the Courts of Athens (Central Headquarters) shall have concurrent jurisdiction with the other courts competent according to law.