Terms and Conditions – XRP Campaign September 2026

Organizer: Bitvavo B.V., Keizersgracht 281, 1016 ED Amsterdam, The Netherlands. Bitvavo B.V. is a crypto-asset service provider under the Markets in Crypto-Assets Regulation (MiCAR), licensed by the Dutch Authority for Financial Markets (AFM).

This document is drawn up in English and in other languages. In case of any discrepancy between language versions, the English version prevails.

1. General

These Terms and Conditions (the "Terms") apply to the XRP Campaign September 2026

(the "Promotion"), a temporary promotion organized by Bitvavo B.V. ("Bitvavo"). This Promotion is organized to reward Bitvavo users for trading activity during the Promotion Period. By participating, you agree to be bound by these Terms and our User Agreement. Our User Agreement can be downloaded in PDF from our website.

Bitvavo acts in line with the Dutch Code of Conduct on Promotional Games of Chances.

You can always file a complaint in relation to this Promotion in line with our Complaints Procedure, in writing to [email protected], or by any other means described in Bitvavo's Help Center. Please find more information here: https://bitvavo.com/en/complaints. If you express your dissatisfaction, please specify what the dissatisfaction is about.

Risk Warning: Digital assets are highly volatile. Investing in digital assets is risky. Be aware that investing in digital assets can lead to partial or total loss of your investment. Consult the Risk Disclosure for more information.

2. Promotion Period

The Promotion will run from 00:00 (CET) on 01 September 2026 until 23:59 (CET) on 30 September 2026 (the "Promotion Period").

Any participation outside this period will not be eligible.

3. Eligibility Requirements

This Promotion is open to individuals who:

• Are 18 years or older at the time of signing up
• Reside in Spain or France
• Have a verified Bitvavo account before the end of the Promotion Period and at the time of the draw.

Bitvavo reserves the right to exclude participants who do not meet these criteria.

4. How to Participate

• Participants must join the Promotion via the Bitvavo Campaign Hub and trade on the Bitvavo platform during the Promotion Period. 
• Upon joining the Promotion, each participant automatically receives one (1) ballot at no costs, allowing participation in the draw without any specific fees charged for this participation. The ballot will not be reflected in the trade counter shown to the participant.
• For every €100 (including fees) traded on eligible markets, the participant earns one (1) ballot, up to a maximum of one hundred (100) ballots per participant (equivalent to €10,000 in trading volume). 
• Trades in the EUR/EURC and EUR/EUROP markets, and trades executed via the Bitvavo Trading API, are not eligible for earning ballots. 
• Only trading activity completed after joining the Promotion, and within the Promotion Period, counts toward ballot allocation.

5. Prize Details

• The prize pool consists of a total of €5,000 in XRP, distributed among seven (7) winners as follows: 
• one (1) winner will receive €3,000 in XRP; 
• two (2) winners will each receive €500 in XRP; 
• four (4) winners will each receive €250 in XRP.
• Winners will be selected by means of a random, ballot-weighted draw: each ballot earned during the Promotion Period represents one entry into the draw, and participants with more ballots have a proportionally higher chance of being selected. 
• The draw will take place on or around 1 October 2026. Winners will be notified on 5 October 2026. Prizes will be paid out in XRP, credited directly to the winner's Bitvavo account on 5 October 2026.

Exclusion of claims: Fulfilment of the eligibility requirements only means that the user is entitled to participate in the Promotion. Users are not entitled to receive any prize solely by reason of fulfilling eligibility requirements.

No alternative rewards or cash equivalents are available.

6. Winner Notification & Payout

• Winners will be notified via email to the address associated with their Bitvavo account on 05 October 2026.

• Rewards will be credited directly to winners' Bitvavo accounts before 23:59 CET on 05 October 2026

7. Exclusion & Disqualification

Bitvavo may exclude participants who:

• Tamper with the process of the Promotion;

• Submit false or misleading information;

• Violate these Terms or Bitvavo's User Agreement;

• Attempt to gain an unfair advantage (e.g. through multiple accounts or collusion).

Bitvavo may also disqualify entries for technical reasons, including invalid email addresses or social media account misuse.

Institutional clients and those providing market-making or similar services, and Bitvavo employees, affiliates, and immediate family members may not participate.

8. Liability

Bitvavo accepts no liability for:

• Any technical failures, interruptions, or disruptions;

• Any indirect, incidental, or consequential damages arising from participation;

• Any suspension or cancellation of the Promotion due to force majeure or other unforeseen circumstances.

Bitvavo reserves the right to amend, postpone, or terminate the Promotion at its discretion, only if reasonable and necessary. If Bitvavo exercises this right, this will not be detrimental to participants.

9. Data Protection & Taxation

Participant data will be processed in accordance with the Bitvavo Privacy Notice and applicable data-protection law. Data will only be used for purposes connected to the administration of this Promotion and prize delivery. We only process your personal data to the extent necessary for the performance of this Promotion — please read our Privacy Notice for more information.

Participants are responsible for any personal tax implications, including any applicable reporting obligations, related to rewards received. Consult a tax advisor if in doubt.

10. Applicable Law & Jurisdiction

These Terms are exclusively governed by the laws of the Netherlands. Any disputes arising in connection with this Promotion shall be submitted to the competent court in Amsterdam, unless otherwise required by mandatory law.

11. Contact

For further questions about this Promotion, please contact our Support Team at https://support.bitvavo.com.