Terms & Conditions MoLegacy: Choose Your Plan, Get Your Second Month Back

1. Introduction

These Terms and Conditions govern participation in the MoLegacy: Choose Your Plan, Get Your Second Month Back promotion (the “Promotion”) offered through the Modak Makers platform.

The Promotion is an optional promotional program designed to encourage eligible MoLegacy customers to select a new subscription plan, MoSilver or MoGold. Customers who satisfy the applicable eligibility requirements during the Promotion Period may receive a credit equal to the full amount of their second subscription payment by satisfying the requirements described in these Terms and Conditions.

Participation in the Promotion is not required to open or maintain a Modak Makers account.

By participating in the Promotion, you represent and warrant that you meet the eligibility requirements described in these Terms and Conditions. You further acknowledge that Modak Makers’ decisions regarding the administration of the Promotion, including eligibility determinations, reward issuance, and fulfillment, shall be final and binding, subject to applicable law.

The Promotion is subject to all applicable federal, state, and local laws and regulations.

2. Eligibility

To participate in the Promotion, you must:

• be an existing MoLegacy customer who is currently within the period to select a new subscription plan;
• maintain an active Modak Makers family account in good standing; accounts that are suspended, closed, restricted, or otherwise not in good standing are not eligible to participate or receive the promotional benefit;
• satisfy the eligibility requirements set forth in the Modak Makers Terms and Conditions and Deposit Account Agreement; and
• select and successfully subscribe to either MoSilver or MoGold, and complete the qualifying second subscription payment described in Section 3, during the Promotion Period.

This Promotion is available at the family account level and is limited to one promotional benefit per eligible family account, regardless of whether the customer changes between MoSilver and MoGold during the Promotion Period.

Customers who are not existing MoLegacy customers are not eligible to participate in this Promotion.

Modak Makers reserves the right to determine whether a customer or account qualifies for this Promotion based on information available to it.

3. How to Participate

Eligible MoLegacy customers are automatically considered for this Promotion once they satisfy the eligibility and participation requirements described in these Terms and Conditions. No separate registration or enrollment is required.

To qualify for the promotional credit, an eligible MoLegacy customer must, during the Promotion Period:

• select either MoSilver or MoGold;
• successfully subscribe to the selected plan;
• successfully complete the first subscription payment for the selected plan;
• successfully complete the second subscription payment for the selected plan; and
• remain subscribed to the applicable plan at the time the promotional credit is issued.

If an eligible customer changes between MoSilver and MoGold before completing the qualifying second subscription payment, the Promotion remains available, and the promotional credit will be based on the actual amount charged for the qualifying second subscription payment under the plan in effect at that time.

Following successful completion of the second subscription payment, Modak Makers will issue a credit equal to the full amount actually charged for that payment, including applicable taxes and other applicable charges, to the parent wallet associated with the family account, subject to these Terms and Conditions.

4. Limitations and Exceptions

The following limitations apply to this Promotion:

• The promotional benefit is available one time per eligible family account. An eligible family account may receive only one promotional credit under this Promotion, regardless of whether the customer changes between MoSilver and MoGold.
• The qualifying second subscription payment must be successfully completed and confirmed on the eligible family account. If the second subscription payment fails, is reversed, or otherwise does not successfully complete, the customer will not qualify for the promotional benefit, and the benefit will be forfeited.
• If a customer cancels their subscription before successfully completing the second subscription payment, or disputes either the first or the second payment, the customer will no longer qualify for the promotional benefit, and the benefit will be forfeited.
• The customer must remain subscribed to the applicable plan at the time the promotional credit is issued.
• Accounts that are closed, suspended, restricted, under review, or otherwise not in good standing at the time the promotional credit is issued are not eligible to receive the credit.
• Any plan change or other action taken after the qualifying second subscription payment is outside the scope of this Promotion.
• Promotional credits are non-transferable and may not be redeemed or exchanged except as determined by Modak Makers.
• Fraudulent activity, abuse of the Promotion, attempts to manipulate qualification requirements, or violations of the Modak Makers Terms and Conditions or Deposit Account Agreement may result in disqualification, forfeiture of the promotional credit, reversal of a previously issued promotional credit, suspension from future promotions, or other action permitted under applicable agreements or law.
• Modak Makers reserves the right to verify eligibility before issuing the promotional credit.

5. Promotion Period

This Promotion begins on August 17, 2026 and remains available through 11:59 PM Eastern Time on September 3, 2026, which is the deadline for MoLegacy customers to select their new subscription plan. To participate, an eligible customer must select and successfully purchase MoSilver or MoGold within the Promotion Period.

Modak Makers may modify, suspend, or discontinue this Promotion at any time, subject to applicable law and any required customer notice.

Any actions or changes occurring after the qualifying second subscription payment are outside the scope of this Promotion.

Modak Makers reserves the right to verify eligibility before issuing the promotional credit and may delay or withhold credit issuance while eligibility is being reviewed.

6. Reward

Eligible MoLegacy customers who select and successfully purchase either MoSilver or MoGold during the Promotion Period, and who satisfy all qualification requirements described in Section 3, will receive a credit equal to the full amount actually charged for their qualifying second subscription payment, including applicable taxes and other applicable charges (the “Promotional Credit”).

This Promotion does not provide an upfront discount. The customer will be charged for the applicable subscription payments to the external connected account and will receive the Promotional Credit only after successfully completing the qualifying second subscription payment.

The Promotional Credit will be issued to the parent wallet associated with the family account within three business days after successful completion of the qualifying second subscription payment.

The Promotional Credit is non-transferable and may not be redeemed or exchanged except as determined by Modak Makers.

Modak Makers reserves the right to verify eligibility before issuing the Promotional Credit and may delay, withhold, deny, or reverse the Promotional Credit in cases involving fraud, abuse, error, or violations of these Terms and Conditions, the Modak Makers Terms and Conditions, or the Deposit Account Agreement.

7. Customer Communications and Notification

Modak Makers may notify eligible customers regarding this Promotion through the Modak Makers app, email, SMS, push notifications, or other communication methods associated with the customer’s account.

Customers are responsible for maintaining accurate contact information. Modak Makers is not responsible for delayed or unsuccessful notifications resulting from inaccurate contact information, spam filters, security settings, or other circumstances outside of Modak Makers’ reasonable control.

Participation in this Promotion does not require customers to participate in advertising, publicity, or marketing activities unless the customer separately consents to such participation.

8. Liability and Disputes

Participation in the Promotion is subject to the dispute resolution, limitation of liability, governing law, arbitration, indemnification, and other applicable legal provisions contained in the Modak Makers Terms and Conditions, which are incorporated into these Terms and Conditions by reference.

Modak Makers is not responsible for delays, failures, or errors caused by employers, payroll providers, government agencies, financial institutions, payment networks, telecommunications providers, third-party service providers, or circumstances beyond Modak Makers’ reasonable control.

Modak Makers shall not be responsible for delays or failures in credit issuance resulting from incomplete, inaccurate, delayed, returned, reversed, or rejected qualifying transactions or actions.

Nothing in these Terms and Conditions limits any rights that cannot be limited under applicable law.

9. Privacy

Information collected or processed in connection with the Promotion will be handled in accordance with the Modak Makers Privacy Policy, the Modak Makers Terms and Conditions, and applicable law.

Modak Makers may use information associated with your account and qualifying activity to determine eligibility, administer the Promotion, issue promotional credits, investigate fraud or abuse, respond to customer inquiries, comply with legal or regulatory obligations, and improve its products and services.

By participating in the Promotion, you acknowledge and agree that Modak Makers may process your information as necessary to administer the Promotion in accordance with its Privacy Policy.

10. General Provisions

Modak Makers reserves the right to interpret, administer, monitor, modify, suspend, or terminate the Promotion in accordance with these Terms and Conditions and applicable law.

Modak Makers may delay, withhold, deny, or reverse promotional credits if it reasonably believes a customer has engaged in fraud, abuse, manipulation of the Promotion, or any activity that violates these Terms and Conditions, the Modak Makers Terms and Conditions, the Deposit Account Agreement, or applicable law. Any modification, suspension, or discontinuation will not affect a promotional credit already earned before the effective date of change.

Failure by Modak Makers to enforce any provision of these Terms and Conditions shall not constitute a waiver of that provision or any other rights available to Modak Makers.

If any provision of these Terms and Conditions is determined to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.

These Terms and Conditions supplement the Modak Makers Terms and Conditions, the Deposit Account Agreement, and any other applicable agreements governing your Modak Makers account. If there is a conflict between these Terms and Conditions and the Modak Makers Terms and Conditions or Deposit Account Agreement, the Modak Makers Terms and Conditions and Deposit Account Agreement will control except with respect to the specific promotional terms contained in this document.

11. Contact Information

If you have questions regarding the Promotion, your eligibility, or your promotional credit, please contact Modak Makers using one of the following methods:

• Email: hi@modakmakers.com
• In-App Support: Access live chat through the Modak Makers app during available support hours.
• Support Center: Visit the Modak Makers Support Center for additional information, FAQs, and to submit a support request.
• Customer Support: 1-833-966-2428