Terms and Conditions

1. Acceptance of Agreement

Please carefully review this Agreement before using the Mobile App, Website, or Services, or accessing any data thereon. If you do not agree to these terms, you may not access or use the Mobile App, Website, or Services. To use the Mobile App, Website, or Services and to accept this Agreement, you must: (1) be a citizen or permanent legal resident of the United States; (2) be at least 18 years old; (3) agree to only have one Carlos User Account, which must be in your real name; and (4) not be prohibited by law from using the Mobile App, Website, or Services. Creating a Carlos User Account with false information, including creating an account using another person’s information, is a violation of our terms and will result in termination of your access to the Services.

2. Modification of This Agreement

We reserve the right to make modifications to these Terms of Service at any time and for any reason. In the event that a change to our Terms of Service will result in an increase of fees, an increase of liability to our users, fewer types of electronic fund transfers, or stricter limitations on the frequency or dollar amount of transfers, you will be notified via email 30 days before the effective date. All changes will be effective upon posting, so you should check this Agreement periodically for changes. Your continued use of the Mobile App, Website, or Services after any change constitutes your agreement to be bound by such changes. Carlos also reserves the right to terminate, suspend, change, or restrict the Services, or any part of the Services, without notice or liability.

3. Privacy Policy

Carlos maintains a Privacy Policy that details how we handle and protect your data. Our Privacy Policy is available at https://www.getcarlos.com/privacy. We fully incorporate our Privacy Policy into this Agreement.

4. Minimum Technology Requirements

To access and use the Mobile App and Services, you must have a mobile device with access to the Internet running either Apple iOS 13.0 or higher, or Android 8.0 or higher. You must also have a valid U.S. email address and sufficient storage space to install the Mobile App. The Mobile App is available on the Apple App Store (for Apple devices) and Google Play Store (for Android devices).

5. User Information Accuracy and Updates

To access Carlos’s Services, you must create a Carlos User Account. When signing up, you agree to provide accurate, current, and complete information, including your name and email address. Carlos may request additional verification to confirm your identity. If you do not respond or we are unable to verify your identity, access to the Mobile App and Services may be restricted. If any of your information changes, you must update it as soon as possible through the Mobile App. If you believe your account credentials have been compromised or that another person is accessing your Carlos User Account, you must notify Carlos as soon as possible through the app’s account settings.

6. Overview of Services

Carlos offers the following services and features, collectively referred to as the “Services”:

• Earn Services: A suite of features that allow you to earn cash rewards by completing offers, playing games, and participating in tasks through our offerwall partners. See Section 9 for terms and details.
• Carlos Plus Subscription: A paid monthly subscription that unlocks enhanced features, higher earning potential, and access to additional Services. See Section 10 for terms and details.
• Advance Services: Access to cash advance products through Carlos’s partner network and, when available, Carlos’s own cash advance product. See Section 11 for terms and details.
• Deals Services: Access to cash back offers and deals from merchant partners. See Section 12 for terms and details.
• Referral Program: Earn cash rewards for referring friends to Carlos. See Section 13 for terms and details.

7. Third-Party Services and Linked Accounts

Some of our Services may require you to connect third-party accounts or authorize Carlos to access information from third-party financial institutions or service providers. By using such Services, you authorize Carlos to access information maintained by identified third parties on your behalf as your agent, and you expressly authorize such third parties to disclose your information to us. Carlos does not review third-party account information for accuracy, legality, or non-infringement, and is not responsible for products or services offered by third-party sites.

8. Carlos Plus Subscription

8.1 Subscription and Billing

Carlos Plus is a monthly subscription available for $4.99 per month. By selecting “Subscribe,” you authorize Red Technology Ventures LLC d/b/a Carlos to charge the payment method you have provided a subscription fee of $4.99 on the date you first subscribe and on the same calendar day of each month thereafter as a recurring monthly subscription. If the scheduled billing date does not occur in a given month (for example, the 31st), the charge will be processed on the closest available calendar date.

Your subscription will automatically renew each month unless you cancel. You may cancel your subscription at any time by visiting the “Manage Subscription” section of the app. Cancellation must be completed before the next billing date to avoid the next charge. Simply uninstalling the Mobile App from your device will not cancel your subscription.

8.2 Refunds

Subscription fees are non-refundable except as required by applicable law or the rules of the applicable app store platform (Apple App Store or Google Play).

8.3 Free Users

Users without a Carlos Plus subscription may access certain features of the Mobile App on a limited basis, as determined by Carlos in its sole discretion.

9. Earn Services

9.1 Overview

The Carlos Earn Services allow you to earn cash rewards by completing offers, playing games, and participating in tasks through our offerwall partners. Carlos may receive compensation from Earn Services program partners when we successfully connect users to earning opportunities. Availability and eligibility conditions apply.

9.2 Eligibility

• You must have a valid and active Carlos User Account.
• You must be located in the United States.
• You must be at least 18 years of age.
• You must enable any tracking permissions required by the Earn Services to qualify for rewards.
• Use of a VPN or other IP-masking technology is strictly prohibited and may result in account restriction or termination.

9.3 Earnings Hold Period

Earnings from the Earn Services are subject to a hold period of up to 35 days from the date of the completed offer before becoming available for redemption. This hold period exists to allow for fraud review and verification of completed offers by our third-party partners. Carlos reserves the right to modify the hold period at any time.

9.4 Cash Out

Once your earnings are available, you may redeem them subject to the following:

• Earnings cannot be transferred, sold, or purchased.
• Earnings will be sent to the payout method associated with your Carlos User Account.
• Earnings cannot be sent to another account.
• Carlos reserves the right to set minimum cashout thresholds, which will be displayed within the Mobile App.

9.5 Third-Party Offers and Tasks

The rules and requirements for games, offers, and tasks are set by third-party partners, not Carlos. Carlos does not guarantee earnings for any particular task or game and is not responsible for technical issues, service disruptions, or payout disputes with third-party providers. Some earning opportunities may require you to provide personal information to third-party providers. Such information is governed by the privacy policies of those third parties.

9.6 Prohibited Conduct

By participating in the Earn Services, you agree not to:

• Gain rewards through unauthorized or fraudulent means
• Use multiple accounts to accumulate earnings
• Use VPNs or IP-masking technology
• Engage in any activity that violates applicable law or the terms of any third-party partner

If Carlos determines that you have violated these terms, your account may lose access to the Earn Services and cash out features. Carlos reserves the right to disable or delete any account found or suspected to be in violation, with or without notice.

9.7 Banned or Frozen Earnings

If Carlos’s third-party partners flag your account for suspicious or fraudulent activity, your earnings may be frozen pending review. Carlos reserves the right to permanently forfeit frozen earnings where fraud is confirmed.

9.8 Tax Obligations

You are responsible for reporting and paying any applicable taxes on earnings obtained through the Earn Services. Carlos does not provide tax advice and is not responsible for your tax-related obligations.

9.9 Disclaimer and Limitation of Liability

YOU EXPRESSLY AGREE THAT YOUR USE OF THE EARN SERVICES IS AT YOUR OWN RISK. CARLOS MAKES NO REPRESENTATIONS OR WARRANTIES THAT YOUR USE OF THE EARN SERVICES WILL BE UNINTERRUPTED OR ERROR-FREE, OR THAT ANY PARTICULAR EARNING OPPORTUNITY WILL REMAIN AVAILABLE.

10. Carlos Plus Subscription — Features

Carlos Plus subscribers receive access to enhanced features including, but not limited to, increased earning potential, priority access to advance partner products, and exclusive deals. The specific features available to Carlos Plus subscribers may change at any time at Carlos’s sole discretion. Carlos will make reasonable efforts to communicate material changes to subscribers in advance.

11. Advance Services

11.1 Partner Advance Products

Carlos’s Advance tab provides access to cash advance products offered by third-party partners, including but not limited to FrontPay and PonyMoney. These products are offered by and subject to the terms of the applicable third-party provider. Carlos is not responsible for the terms, availability, approval decisions, or disbursement of advances offered by third-party partners. By accessing a partner advance product through Carlos, you are subject to that partner’s terms and conditions and privacy policy.

11.2 Carlos Cash Advance (Coming Soon)

Carlos is developing its own proprietary cash advance product (“Carlos Cash Advance”). When available, Carlos Cash Advance will be subject to separate terms and eligibility requirements, which will be presented to you at the time of application. Carlos makes no representations regarding the availability, timing, or terms of Carlos Cash Advance, which may change at any time.

11.3 Eligibility

Eligibility for advance services, whether through third-party partners or Carlos’s own product, is determined at the sole discretion of the applicable provider. Carlos does not guarantee that any user will be approved for any advance product.

12. Deals Services

Carlos’s Deals tab provides access to cash back offers and deals from third-party merchant partners. Cash back availability, amounts, and terms are determined by the applicable merchant partner and are subject to change without notice. Carlos may receive compensation from merchant partners in connection with the Deals Services. Carlos is not responsible for the products, services, or terms offered by merchant partners. By activating a deal through Carlos, you may be subject to the terms and conditions of the applicable merchant partner.

13. Referral Program

Carlos may provide you the opportunity to earn a cash reward for referring friends to Carlos (“Referral Program”). The amount of rewards earned for a referral, and the conditions under which rewards are paid, may vary from time to time at Carlos’s sole discretion. You may only earn one referral reward per referred user account opened. You may not earn referral rewards if your Carlos User Account is suspended, terminated, or otherwise in violation of this Agreement. Referral rewards have no cash value until credited to your Carlos User Account. Carlos reserves the right to decline to credit referral rewards at any time and for any reason, subject to applicable law. If Carlos determines that you have engaged in abuse, misuse, or fraud in connection with the Referral Program, Carlos may revoke rewards, suspend your ability to earn rewards, or terminate your Carlos User Account. Carlos may modify or terminate the Referral Program at any time with or without notice.

14. Consent to Electronic Communications

By choosing to use the Mobile App or Services, you consent to receive disclosures, notices, and other communications from Carlos electronically. Electronic communications shall be considered “in writing” and have the same meaning and effect as if provided in paper form. You may withdraw your consent to receive electronic communications by contacting us at contact@getcarlos.com, provided that withdrawal of consent may result in termination of your Carlos User Account.

15. SMS and Push Notifications

By creating a Carlos User Account and providing a phone number, you consent to receive SMS messages and push notifications from Carlos related to your account activity, earnings, and the Services. Standard message and data rates may apply. You may opt out of SMS messages by replying STOP to any message, and out of push notifications by adjusting your device settings. Opting out of notifications may affect your use of certain features of the Services.

16. Limitations of Use

You agree to use the Mobile App, Website, and Services only for lawful purposes. You are prohibited from any use of the Services that would constitute a violation of applicable law or give rise to civil or criminal liability. You agree you will not: (1) attempt to reverse engineer, disassemble, or decompile the Mobile App or Services; (2) use automated tools, bots, or scrapers to access the Mobile App or Services; (3) use the Mobile App or Services in a way that could impair or damage any portion of the Services; or (4) mirror any material contained on the Mobile App or Website. Carlos reserves the right to suspend or terminate your access to the Services for any violation of this Agreement.

17. Intellectual Property Rights

The Mobile App, Website, and Services are owned and operated by Carlos. All content, graphics, design, software, trademarks, logos, and other materials (collectively, “Carlos Materials”) are owned exclusively by Carlos or its licensors and are protected by applicable intellectual property laws. Nothing in this Agreement grants you any license or right to use any Carlos Materials without Carlos’s prior written permission. You may not copy, reproduce, distribute, or create derivative works based on any Carlos Materials without express written consent from Carlos.

18. Termination

Carlos may terminate this Agreement or suspend your access to the Mobile App, Website, or Services at any time, with or without cause, at Carlos’s sole discretion and without notice. The following provisions shall survive termination: Indemnification, Disclaimer of Warranties, Limitation of Liability, Dispute Resolution, and any other provision that by its terms survives termination.

19. Disclaimer of Warranties

THE MOBILE APP, WEBSITE, AND SERVICES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. TO THE FULLEST EXTENT PERMITTED BY LAW, CARLOS AND ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS EXPRESSLY DISCLAIM ALL REPRESENTATIONS AND WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND TITLE. YOUR USE OF THE MOBILE APP, WEBSITE, AND SERVICES IS AT YOUR SOLE RISK.

20. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, CARLOS AND ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATING TO YOUR USE OF THE MOBILE APP, WEBSITE, OR SERVICES. IN NO EVENT WILL CARLOS’S TOTAL LIABILITY TO YOU FOR ALL CLAIMS EXCEED USD $500 (FIVE HUNDRED UNITED STATES DOLLARS).

21. Indemnification

To the fullest extent permitted by law, you agree to indemnify, defend, and hold harmless Carlos and its affiliates, officers, directors, employees, and agents from and against any and all claims, losses, expenses, and liabilities, including reasonable attorneys’ fees, arising out of or relating to: (i) your use of the Mobile App, Website, or Services; (ii) your violation of this Agreement or any applicable law; or (iii) your violation of any third-party right.

22. No Legal, Tax, or Financial Advice

CARLOS DOES NOT PROVIDE LEGAL, TAX, OR FINANCIAL ADVICE THROUGH THE MOBILE APP, WEBSITE, OR SERVICES. CARLOS IS NOT A LAWYER, TAX ADVISOR, BROKER, OR FINANCIAL PLANNER. CARLOS ENCOURAGES YOU TO CONSULT AN APPROPRIATE PROFESSIONAL BEFORE MAKING ANY FINANCIAL DECISION.

23. Dispute Resolution by Binding Arbitration

YOU HAVE READ THIS PROVISION CAREFULLY AND UNDERSTAND THAT IT LIMITS YOUR RIGHTS IN THE EVENT OF A DISPUTE BETWEEN YOU AND CARLOS. YOU HAVE THE RIGHT TO OPT OUT AS PROVIDED IN SECTION 23.3 BELOW.

23.1 Election to Arbitrate

You and Carlos agree that the sole and exclusive forum and remedy for resolution of any claim, dispute, or controversy between you and Carlos relating to or arising out of this Agreement or the Services (“Claim”) shall be final and binding arbitration pursuant to this Section 23, unless you opt out as provided below. Claims are subject to arbitration regardless of whether they arise from contract, tort, statute, or otherwise. You may continue to assert Claims in small claims court if your Claims qualify and the matter remains in such court on an individual basis.

23.2 Applicability of the Federal Arbitration Act

This arbitration provision is made pursuant to a transaction involving interstate commerce and shall be governed by the Federal Arbitration Act (“FAA”). The arbitrator will apply substantive law consistent with the FAA and applicable statutes of limitations.

23.3 Opt-Out

You may opt out of this arbitration provision by sending written notice to contact@getcarlos.com within 60 days of the date of your acceptance of this Agreement. Your opt-out notice must clearly state that you are rejecting arbitration, identify this Agreement by date, and provide your name and email address associated with your Carlos User Account.

23.4 Informal Resolution

Before filing any arbitration claim, you agree to first contact Carlos at contact@getcarlos.com and attempt to resolve the dispute informally.

23.5 Arbitration Procedures

Arbitration shall be conducted by the American Arbitration Association (“AAA”) or JAMS pursuant to their applicable rules. The arbitration will be held in Dallas, Texas, or another location mutually agreed upon. Information about the AAA is available at www.adr.org or 1-800-778-7879. Information about JAMS is available at www.jamsadr.com or 1-800-352-5267.

23.6 No Class Actions

NO ARBITRATION SHALL PROCEED ON A CLASS, REPRESENTATIVE, OR COLLECTIVE BASIS. YOU AND CARLOS AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING.

23.7 Survival

This arbitration provision shall survive termination of this Agreement.

23.8 Judicial Forum

In the event this arbitration provision is found not to apply, you and Carlos agree that any judicial proceeding will be brought in the federal or state courts of Dallas County, Texas. Both parties consent to venue and personal jurisdiction there and waive the right to a jury trial.

24. Governing Law

Except for Section 23, which is governed by the FAA, this Agreement and all Claims are governed by the laws of the State of Delaware, without regard to conflict-of-law rules.

25. Third-Party Links and Services

The Mobile App and Website may contain links to third-party websites and services. Carlos is not responsible for the content, availability, terms, or privacy practices of any third-party website or service. Any concerns regarding third-party services should be directed to the applicable third party.

26. Severability

If any provision of this Agreement is found to be invalid or unenforceable, the remaining provisions shall be enforced to the fullest extent possible and shall remain in full force and effect.

27. Waiver

Carlos’s failure to enforce any right or remedy under this Agreement shall not constitute a waiver of those rights or remedies.

28. General Provisions

This Agreement is the entire understanding between you and Carlos and supersedes any prior agreements. You may not assign or transfer this Agreement without Carlos’s prior written consent. Carlos may assign this Agreement at any time without notice. All rights not expressly granted herein are reserved.

29. Contact Us

If you have questions regarding this Agreement or our Services, please contact us at:

Red Technology Ventures LLC d/b/a Carlos
contact@getcarlos.com
https://www.getcarlos.com