Terms

Effective Date: August 17th, 2026
Last Updated: August 17th, 2026

These Terms & Conditions (“Terms”) govern your access to and use of the UrbanSpace Holdings LLC mobile application (the “App”) and related services, including the UrbanSpace Holiday Market rewards program, stored-value account, purchases, promotions, and other features (collectively, the “Services”).

The Services are provided by UrbanSpace Holdings LLC (“UrbanSpace Holdings,” “we,” “us,” or “our”).

By creating an account, accessing the App, adding funds, making a purchase, participating in the rewards program, or otherwise using the Services, you agree to these Terms.

If you do not agree to these Terms, do not use the App or Services.

1. Eligibility

You must be legally capable of entering into a binding agreement to use the Services.

If you are under the age of 18, you may use the Services only with the involvement and consent of a parent or legal guardian where required by law.

Certain features may have additional age, identity, or eligibility requirements.

2. Your Account

Certain features require you to create an account.

You agree to:

• Provide accurate and current information;

• Maintain the security of your account credentials;

• Keep your contact information current;

• Notify us promptly of unauthorized account activity; and

• Accept responsibility for activity occurring through your account, except to the extent applicable law provides otherwise.

You may not create an account using another person's identity or information without authorization.

3. Stored-Value Account

The App may allow you to add money to an account balance that can be used for eligible purchases at participating UrbanSpace Holdings locations or Holiday Market merchants.

Your stored-value balance is not a bank account, checking account, savings account, or credit account unless expressly stated otherwise.

Stored value may be subject to additional restrictions, disclosures, and legal requirements.

No Interest

Unless expressly stated otherwise, balances do not earn interest or other investment returns.

Permitted Use

Stored value may only be used for eligible purchases through the Services or at participating locations.

Stored value may not be used for unlawful purposes or transferred in a manner prohibited by these Terms.

No Cash Value Except Where Required by Law

Stored value is intended for purchases through participating merchants and may not be redeemable for cash except where required by applicable law or expressly permitted by UrbanSpace Holdings.

Fees

[UrbanSpace Holdings does not currently charge fees for loading or maintaining stored value.]

OR

[Applicable fees are disclosed before they are charged.]

Expiration

[Choose and insert the actual rule.]

Option A: Stored value does not expire.

Option B: Stored value expires [X] years after the date of issuance or last activity, subject to applicable law and required notices.

Do not publish an expiration provision until it has been reviewed for compliance with applicable state and federal gift-card/stored-value laws.

4. Loading Funds

Depending on the functionality made available through the App, you may be able to add funds using an eligible payment method.

You authorize us and our payment providers to process authorized transactions associated with your account.

We may impose limits on:

• Minimum or maximum load amounts;

• Frequency of loads;

• Account balances;

• Payment methods; and

• Transaction amounts.

These limits may change from time to time for security, operational, regulatory, or business reasons.

5. Unauthorized Transactions and Account Security

You are responsible for protecting access to your account and device.

If you believe your account, stored-value balance, or payment credentials have been compromised, contact us promptly at:

[Customer Support Email]
[Customer Support Phone]

Certain transactions and stored-value accounts may be subject to federal or state consumer-protection laws that provide specific rights regarding errors, unauthorized transactions, and lost or stolen access devices.

Where applicable law provides rights that conflict with these Terms, applicable law controls.

6. Purchases and Transactions

You may use eligible account balances and payment methods to purchase products or services offered through participating Holiday Market merchants.

Prices, availability, taxes, and other charges may vary.

A transaction may be declined, reversed, delayed, or canceled where reasonably necessary because of:

• Insufficient funds;

• Suspected fraud;

• Payment-processing problems;

• Technical problems;

• Incorrect transaction information;

• Merchant limitations;

• Legal requirements; or

• Other legitimate operational or security reasons.

7. Refunds

Refunds are subject to the applicable merchant's refund policy and applicable law.

Where appropriate, refunds for purchases made using stored value may be credited back to the applicable UrbanSpace account rather than provided in cash.

Nothing in these Terms limits a consumer's rights under applicable law.

8. Rewards Program

The App may provide a loyalty or rewards program that allows eligible users to earn points, rewards, discounts, promotional offers, or other benefits (“Rewards”).

Rewards have no cash value unless expressly stated otherwise.

Earning Rewards

Rewards may be earned based on qualifying purchases or other activities specified by UrbanSpace Holdings.

Not all transactions necessarily qualify.

UrbanSpace Holdings may establish:

• Points-earning rates;

• Qualifying purchases;

• Bonus opportunities;

• Reward thresholds;

• Promotional periods;

• Redemption requirements; and

• Other program rules.

Redeeming Rewards

Rewards may be redeemed only in accordance with the applicable program rules.

Rewards may not be sold, transferred, bartered, or exchanged for cash unless expressly permitted.

Changes to Rewards

We may modify, suspend, or terminate portions of the rewards program, including earning rates, redemption requirements, or available rewards, subject to applicable law and any specific commitments made to you.

9. Promotions and Offers

From time to time, UrbanSpace Holdings or participating merchants may offer promotions, discounts, contests, or special offers.

Promotions may have additional terms.

If additional terms conflict with these Terms, the promotional terms will control with respect to that promotion.

10. Communications and Marketing

By providing your email address or telephone number, you may receive communications from UrbanSpace Holdings concerning your account, transactions, rewards, promotions, events, and Services.

Marketing communications are subject to applicable consent requirements.

You may opt out of promotional email communications through the unsubscribe mechanism provided in the email.

For promotional text messages, you may opt out by replying STOP or following the instructions provided in the message.

Opting out of marketing communications does not prevent necessary transactional or account-related communications.

11. Acceptable Use

You agree not to:

• Use the App for unlawful purposes;

• Attempt to gain unauthorized access to another person's account;

• Use another person's account without authorization;

• Attempt to obtain funds, Rewards, discounts, or other benefits through fraud;

• Manipulate the rewards system;

• Reverse engineer or interfere with the App;

• Introduce malicious software;

• Scrape or harvest information from the App;

• Circumvent security features;

• Resell or commercially exploit the App without authorization;

• Use automated systems to interfere with the Services; or

• Engage in conduct that could damage UrbanSpace Holdings, its merchants, users, or Services.

12. Fraud and Abuse

We may suspend or terminate accounts and cancel or reverse transactions, Rewards, or balances where we reasonably believe that an account has been used fraudulently, unlawfully, abusively, or in violation of these Terms.

Where required by law, we will provide applicable notices and rights.

13. Intellectual Property

The App, website, content, software, trademarks, logos, graphics, designs, text, and other materials are owned by or licensed to UrbanSpace Holdings and are protected by applicable intellectual-property laws.

Except as expressly permitted by these Terms, you may not copy, modify, distribute, reproduce, sell, license, or create derivative works from the Services.

14. App License

Subject to these Terms, UrbanSpace Holdings grants you a limited, personal, non-exclusive, non-transferable, revocable license to use the App for its intended purposes on a compatible device that you own or control.

This license does not transfer ownership of the App or any intellectual-property rights to you.

15. Third-Party Services

The App may integrate with third-party services, including payment processors, banks, financial institutions, app stores, mapping services, analytics providers, and other technology providers.

Your use of third-party services may be subject to those providers' separate terms and privacy policies.

UrbanSpace Holdings is not responsible for third-party services outside its reasonable control.

16. App Store Terms

If you download the App through Apple App Store, Google Play, or another third-party marketplace, additional terms imposed by that marketplace may apply.

Those marketplaces are not responsible for providing maintenance or support for the App unless otherwise required by their applicable terms.

17. Privacy

Our collection and use of personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference.

Our Privacy Policy explains how we collect, use, disclose, retain, and protect information, including personal, payment, and financial information.

18. Disclaimers

To the maximum extent permitted by applicable law, the Services are provided on an “as is” and “as available” basis.

We do not guarantee that:

• The App will always be available;

• The Services will be uninterrupted;

• The App will be error-free;

• All information will always be accurate or current; or

• The Services will be compatible with every device.

Nothing in these Terms excludes warranties or rights that cannot legally be excluded.

19. Limitation of Liability

To the maximum extent permitted by law, UrbanSpace Holdings LLC and its officers, employees, affiliates, contractors, and service providers will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages arising from or related to your use of the Services.

To the maximum extent permitted by law, UrbanSpace Holdings' total liability arising from the Services will be limited to the greater of:

1. The amount you paid to UrbanSpace Holdings for the Services during the twelve months preceding the event giving rise to the claim; or

2. [$100].

This limitation does not apply where prohibited by applicable law.

20. Indemnification

To the extent permitted by law, you agree to defend, indemnify, and hold harmless UrbanSpace Holdings LLC and its officers, directors, employees, affiliates, contractors, and service providers from claims, liabilities, damages, losses, and expenses arising from:

• Your violation of these Terms;

• Your misuse of the Services;

• Fraudulent or unlawful activity associated with your account; or

• Your violation of another person's rights.

21. Suspension and Termination

We may suspend or terminate your access to the Services if:

• You violate these Terms;

• We reasonably suspect fraud or abuse;

• Required by law;

• Necessary to protect users or our systems; or

• We discontinue the applicable Services.

Termination does not automatically eliminate rights or obligations that accrued before termination.

Any remaining stored-value balance will be handled according to applicable law, the applicable stored-value program terms, and any required refund or redemption procedures.

22. Changes to These Terms

We may modify these Terms from time to time.

When we make material changes, we may provide notice through the App, website, email, or other legally permitted means.

Your continued use of the Services after the effective date of updated Terms constitutes acceptance of the revised Terms to the extent permitted by law.

23. Governing Law

These Terms will be governed by the laws of the State of [New Jersey / applicable state], without regard to its conflict-of-law principles, except to the extent federal law or applicable consumer-protection laws require otherwise.

24. Dispute Resolution

[ATTORNEY REVIEW REQUIRED BEFORE PUBLICATION]

Any dispute-resolution provision, including arbitration, class-action waiver, venue, or jury-trial waiver, should be reviewed and specifically approved by qualified counsel before inclusion.

25. Severability

If any provision of these Terms is determined to be invalid or unenforceable, the remaining provisions will remain in effect to the maximum extent permitted by law.

26. Entire Agreement

These Terms, together with our Privacy Policy and any additional terms specifically applicable to particular Services, constitute the agreement between you and UrbanSpace Holdings regarding your use of the Services, except where additional agreements apply.

27. Contact Us

UrbanSpace Holdings LLC
United States

Email: support@urbanspacemarkets.com