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Terms of Service (“Terms”) Terms governing use of Spiffy services, accounts, billing, acceptable use, and related platform obligations. Updated April 29, 2026 Privacy & Data Policy Privacy and data policy covering how Spiffy collects, uses, shares, and protects information. Updated June 11, 2026 Referral Program Terms Terms for participating in Spiffy referral, affiliate, or ambassador programs. Updated March 26, 2026 Spiffy’s Sub-Processors Current sub-processors used by Spiffy to provide infrastructure, email, payment, fraud prevention, and support services. Updated January 27, 2026 Gateway Services Addendum Additional terms for Spiffy gateway and payment services. Updated December 16, 2025 Service Level Agreement (SLA) Service level terms covering uptime commitments, exclusions, and service credit handling. Updated November 27, 2023 IP Complaint Policy Policy for submitting copyright, trademark, and intellectual property complaints to Spiffy. Updated November 7, 2023

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