Kilko Studios

REWARD CONVERSION POLICY

Effective Date: March 2026

1. CONVERSION OVERVIEW

Creators may convert pending earnings into virtual coins. This feature allows creators to reinvest platform rewards into the platform ecosystem for gifting and supporting other creators. Converted coins are subject to the Virtual Coins Policy in its entirety.

2. CONVERSION RATE

Earnings are converted to virtual coins at the platform's configured rate. The current conversion rate is clearly displayed before each conversion. Conversion rates may be modified by the platform at any time.

3. IRREVERSIBILITY — CRITICAL NOTICE

ALL CONVERSIONS ARE FINAL, PERMANENT, AND ABSOLUTELY IRREVERSIBLE. Once earnings are converted to virtual coins:

They CANNOT be converted back to USD under any circumstances

They CANNOT be paid out as currency, check, wire transfer, or any other form of monetary payment

They CANNOT be refunded, reversed, credited, or restored as earnings

They are subject to all Virtual Coins Policy terms, including forfeiture upon account termination

They have no cash value outside the platform

BY INITIATING A CONVERSION, YOU EXPRESSLY AND IRREVOCABLY ACKNOWLEDGE AND ACCEPT THAT THE CONVERSION IS PERMANENT AND CANNOT BE UNDONE. There are no exceptions to this policy.

4. ELIGIBILITY

Only earnings in PENDING state may be converted to coins. AVAILABLE earnings that have cleared the hold period must be claimed as payouts through Stripe Connect.

5. TAX IMPLICATIONS

Converted earnings may still constitute taxable income regardless of conversion to virtual coins. The conversion does not change the tax character of the original earnings. You are solely responsible for understanding and complying with all tax obligations. Consult a qualified tax professional for guidance specific to your situation. Horane Technologies LLC does not provide tax advice.

6. PLATFORM RIGHTS

Horane Technologies LLC reserves the right to, at any time and at its sole discretion:

Modify conversion rates with or without notice

Suspend or temporarily disable the conversion feature

Impose minimum or maximum conversion limits

Discontinue the conversion feature entirely

Restrict conversion access for accounts under review or investigation

Horane Technologies LLC