In these terms ("Terms"):

1. "Account" means the Business's Apron business account;

2. "Apron", "we", "us", or "our" means Apron Payments Ltd, registered in England and Wales (company number 13779960), registered office at 201 Bishopsgate, EC2M 3AB, authorised by the Financial Conduct Authority;

3. "Apron Points" or "Points" means the reward points that a Delegate may earn through the Programme when processing a Qualifying Payment on behalf of a Business;

4. "Business" means a business customer of the Apron Bill Pay service.

5. "Delegate" means the individual employee or representative of the Business, who processes a Qualifying Payment on behalf of the Business and to whose personal Points balance the resulting Points are credited.

6. "Programme" means the Apron Payments Rewards Programme described in these Terms;

7. "Qualifying Payment" means an eligible transaction made on behalf of the Business through the Apron Bill Pay Service; and

8. "Rewards Fee" means the fee charged by Apron to the Business when the Delegate chooses to earn Points on a Qualifying Payment, as displayed in the Apron app at the time of payment.

1. These terms set out the rights and obligations between Apron, the Business, and the Delegate in connection with the Programme.

2. It is the Delegate's responsibility to ensure that they have authorisation from the Business for participation in the Programme, and it is the Business's responsibility to ensure that Delegates act only as approved by the Business when making Qualifying Payments.

1. A Delegate can participate in the Programme if they:

   1. are an employee or representative of a Business that has an active Apron Account; and
   2. comply with these Terms and all applicable laws from time to time.

2. We may verify a Delegate's eligibility at any time and request supporting information.

1. Qualifying Payments include payments processed through a payrun on the Business's Apron Account where the responsible Delegate has chosen to earn Points.

2. Points are earned on the total GBP amount of the payments in the payrun. This includes fees applied per payment that affect the GBP payment amount such as international fees, but excludes processing fees applied to the payrun, such as credit card processing fees.

3. Points are credited to the Delegate's personal points balance after a Qualifying Payment is processed. This means Points are credited when onward payments are attempted. In the case of a scheduled payrun, Points are issued at the time the payrun is scheduled. The award of Points is a final transaction. If a payout is subsequently reversed or a payrun is cancelled after funding, no adjustment will be made to Points already credited and no refund of the Rewards Fee will be issued.

4. Points have no expiry date while the Delegate's Account remains active but remain subject to clause 6.3 at all times.

1. Delegates can redeem their Points through the following options:

   1. Loyalty point conversion: Transfer to a linked loyalty programme account by entering their account ID in the Apron app and confirming the transfer;
   2. Cashback: Transfer to Apron Wallet; or
   3. Amazon Gift Cards: Request gift cards through the Apron account.

   The redemption rate will be presented to the Delegate in the Apron web app or Apron mobile app when going through the redeem flow.

2. Loyalty point conversions are subject to the rules set out in clause 6 below.

3. Minimum redemption amounts:

   1. Loyalty point conversion: 100 points minimum;
   2. Cashback transfers: 100 points minimum; and
   3. Gift cards: £10 minimum.

4. Redemptions are processed:

   1. for loyalty point conversions, immediately (subject to processing times by the third-party loyalty programme provider);
   2. for cashback transfers, immediately; and
   3. for gift cards, within 10 business days of requests.

5. Once redeemed, Points cannot be refunded or reversed. The redemption is final.

1. From time to time, we may partner with one or more third-party rewards providers, offering the possibility to convert Apron Points into third-party points or specific rewards.

2. These third-party rewards programmes are subject to the terms and conditions set out by their providers. A Delegate must accept the terms and conditions of such a programme in order to convert or redeem Apron Points through it, and may be required by the provider to register an account, provide personal information, or expressly confirm acceptance of their terms and conditions.

3. Apron's partnership with third party providers may be terminated, suspended, or interrupted at any time, with or without notice, including (without limitation) for reasons outside Apron's control. Until such time as any Apron Points are actually converted or redeemed, Apron gives no guarantee that those Apron Points will be convertible into any specific programme or redeemable for any specific benefit, nor that any rate of conversion will remain unchanged. If a third party partnership terminates (or we anticipate that it may terminate), it is possible that conversion or redemption will cease to be available to Delegates, either immediately or after a short period. In such circumstances, in order to allow Delegates to realise the benefit of their Apron Points, we have the right (but not the obligation) to automatically convert or redeem such Delegates' Apron Points into third-party points or rewards, on an automatic, opt-out, opt-in, or other basis as we deem appropriate, before such conversion ceases to be available to Delegates.

4. Specific programme terms

   Virgin Red Rewards Programme

   1. A Delegate must be a member of a Virgin Points programme (Virgin Red or Virgin Atlantic Flying Club) in order to convert their Apron Points into Virgin Points. You can join here: https://www.virgin.com/virgin-red or here: https://www.virginatlantic.com/flyingclub.
   2. A Delegate will receive 1 Virgin Point for every 1 Apron Point they convert.
   3. Once a Delegate has converted Apron Points into Virgin Points, their conversion cannot be reversed. The Delegate will not be able to use Virgin Points until they are credited to their account. Virgin Points are subject to the terms and conditions of the Virgin Red membership programme found at https://www.virgin.com/virgin-red/earn-virgin-points/convert-your-apron-points-into-virgin-points-629482 or the Virgin Atlantic Flying Club programme found at https://www.virgin.com/virgin-red/earn-virgin-points/convert-your-apron-points-into-virgin-points-629482.
   4. Conversions are normally immediate, but please allow 48 hours for the conversion to be completed.
   5. Virgin Points are not redeemable for cash.
   6. The Delegate's personal data, limited to that necessary to complete the transfer, will be transferred to Virgin Red Limited in order to facilitate the conversion of Apron Points into Virgin Points and to further personalise the Virgin Points programme, and will be used in accordance with the following privacy policy: https://www.virgin.com/virgin-red/privacy-policy.

1. We may modify, suspend, or terminate the Programme, for any reason, at any time by giving the Business and/or Delegate (as applicable) written notice.

2. We may immediately suspend or terminate a Business's or Delegate's participation if:

   1. they breach these Terms;
   2. their Account is closed or suspended;
   3. we suspect fraudulent activity; or
   4. we are required to do so by law or regulation.

   In addition, a Delegate's participation in the Programme will terminate if the Business removes the Delegate from its business Account.

3. Upon termination (for any reason other than those set out in paragraph 7.2), a Delegate will have 90 days to redeem any remaining Points, after which they will expire. This redemption right is subject to paragraph 6.3 above. Upon termination under paragraph 7.2, points may expire (or, if applicable, transferred from Delegate to Business) with immediate effect.

1. Businesses and Delegates must:

   1. use the Programme only for genuine business payment activity;
   2. provide accurate information for all redemption requests;
   3. notify us immediately of any suspected unauthorised use of their Account;
   4. comply with all applicable laws and regulations; and
   5. not attempt to manipulate or abuse the Programme.

2. Businesses and Delegates must not:

   1. transfer or sell Points to third parties;
   2. create multiple accounts to earn additional rewards;
   3. engage in transactions solely to earn Points without legitimate business purpose; or
   4. use the Programme for any illegal or fraudulent activity.

3. Businesses must:

   1. Monitor Delegates' use of the Programme, procure that Delegates only incur Rewards Fees with the Business's prior approval, and immediately suspend any Delegate's access to the Business account in the event of unauthorised use.
   2. Be responsible for any reporting or payment of corporate and employment-related taxes arising from or in connection with the participation of the Business and its Delegates in the Programme.

4. Delegates must:

   1. Ensure that the Business is aware of, and has approved, any participation by the Delegate in the Programme and any Rewards Fees that the Delegate may instruct Apron to charge to the Business.
   2. Be responsible for any reporting or payment of personal taxes arising from or in connection with the participation of the Delegate in the Programme.

1. We will process the personal data of Delegates and other data subjects in accordance with UK data protection laws and our privacy policy.

2. Delegates acknowledge that, in order to give effect to their participation in the Programme, we need to process transaction data to calculate and award Points.

3. We may use anonymised data about Programme usage for analysis and improvement purposes.

4. Our privacy policy is available at Privacy.

1. Our maximum liability to any Business or Delegate under these Terms is limited to the realisable value of unredeemed Apron Points in their corresponding Account.

2. We are not liable for:

   1. any failure to earn Points due to technical issues with third-party systems;
   2. delays in Point crediting due to payment processing times;
   3. inability to redeem Points due to third-party service unavailability; or
   4. indirect, consequential, or special damages.

3. Nothing in these Terms excludes our liability for death, personal injury, fraud, or any other liability that cannot be excluded by law.

1. These Terms are the complete agreement between us regarding the Programme.

2. The laws of England and Wales govern these Terms, and the courts of England and Wales have exclusive jurisdiction.

3. If any part of these Terms is invalid, the rest remains in effect.

4. We may transfer our rights and obligations under these Terms.

5. If we do not enforce a right, that does not mean we have given it up.

6. Points have no cash value beyond their redemption rate and cannot be transferred.

For questions about the Reward Programme email: support@getapron.com

These Terms are effective from 13 May 2026.