Patch Website and Software Terms of Service

Last Updated: June 23, 2026

Introduction. Welcome to our website, www.patch.io (the “Site”), which is operated by Patch Technologies, Inc. (“Patch,” “Company,” “we,” “us,” “our”). Patch provides online software services through which businesses can research, compare, select, and purchase negative emissions certificates, renewable energy credits, and voluntary carbon credits. Purchases occur through a separate order form between you and Patch, governed by these Terms. These Website and Software Terms of Service (“Terms”) govern your use of the Site and our services, whether you are a general visitor to the Site or a person or entity registering to use the Patch Services (defined below).

Please read these Terms carefully, as they - together with other posted policies, rules, and guidelines - govern your use of and interaction with our Site, products, services, and communications with you. Our Privacy Policy (https://www.patch.io/privacy) explains our practices related to collection and use of personal information from Site visitors. We use the word “Services” to collectively describe and encompass our Site, affiliated websites, software, products, services, applications, and our communications with you. If you want to use certain features of the Services, you’ll have to register for an account.

These Terms apply to everyone who accesses or uses the Site, including general Site visitors. Certain sections - including but not limited to those relating to Account Creation, the Services, Credit purchases, Order management, Data Protection - apply specifically to persons and entities that register as Patch customers (“Registered Users”). Where a section applies only to Registered Users, that is noted at the start of that section.

By accessing or using the Services, you accept and agree to be bound and abide by these Terms. If you do not agree with any part of these Terms, you must not use the Services and are prohibited from doing so.

Important Notice Regarding Arbitration.

Please read these Terms carefully, as they contain an agreement to arbitrate and other important information regarding your legal rights, remedies, and obligations. The agreement to arbitrate requires (with limited exception) that you submit claims you have against us to binding and final arbitration, and further that: (1) you will only be permitted to pursue claims against Patch on an individual basis, not as a plaintiff or class member in any class or representative action or proceeding, (2) you will only be permitted to seek relief (including monetary, injunctive, and declaratory relief) on an individual basis, and (3) you may not be able to have any claims you have against us resolved by a jury or in a court of law.

1. Accepting These Terms.

Binding Contract. These Terms form a binding legal contract between you and Patch. By accessing or using the Services, you represent and warrant that: (a) you have read, understood, and agree to be bound by these Terms; (b) you are at least eighteen (18) years of age, or the age of legal majority in your jurisdiction, and are capable of forming a binding contract; and (c) if you are accessing or using the Services on behalf of a corporate entity, you have the authority to bind that entity to these Terms, in which case “you” and “your” refer to that entity.

Accepting the Terms (Registered Users). If you are a Registered User, you will be asked to click “Agree” (or a similar button or checkbox) to accept these Terms when you register for an account. By clicking “Agree,” or taking a similar affirmative action in that context, you confirm that you have read and agree to these Terms on behalf of yourself and, as applicable, the corporate entity you represent. If you do not agree, you may not create an account or access the software services available to Registered Users.

Account Creation. To access the software services as a Registered User, you must create an account by providing a valid email address and password, or by using a third-party login service we support. You agree to: (a) provide accurate, current, and complete registration information; (b) maintain the accuracy of such information and promptly update it as necessary; (c) maintain the security and confidentiality of your password; (d) accept full responsibility for all activities that occur under your account; and (e) promptly notify Patch at info@patch.io of any unauthorized use of your account or any other breach of security.

About the Services. Patch’s Services allow you to research, compare, purchase, and manage carbon credits, negative emissions, renewable energy credits, renewable thermal credits, sustainable aviation fuel certificates, carbon removal credits, and similar forms of environmental attribute-based certificates quantified, issued, and tracked in the form of a unit representing one tonne of carbon dioxide equivalent (“CO2e”) avoided, reduced, or removed (“Credits”). These Credits are originally developed and issued by third-party negative emissions and carbon offset developers or registries (“Credit Issuers”) who have verified the activities or actions leading to the generation of a Credit (a “Project”) with a recognized carbon credit registry standard and subsequently acquired by Patch for resale.

Credit Review and Comparison. Registered Users may browse available Projects and Credits, compare Credit types and pricing, and select Credits for purchase. The availability of specific Credits and Projects is subject to change at any time without notice, and Patch does not guarantee that any particular Credit or Project will remain available.

4. Representations, Warranties, and Conduct.

Your Representations and Warranties. By using the Services, you agree, represent, and warrant that: (i) you will comply with all laws, rules and regulations applicable to you and your use of the Services; (ii) you are eligible to use the Services; (iii) you will only use the Services for lawful purposes, using only authorized means; you will not use the Services for sending or storing any unlawful material or communications or for deceptive or fraudulent purposes; (iv) you will not use the Services other than for their intended use as outlined in these Terms, including but not limited to competing with Patch Services; (v) you will not create or compile, directly or indirectly, any collection, compilation, or other directory from the Content displayed through the Services except for use consistent with these Terms; (vi) you will only use the Services for your own use and will not resell the Services to a third party; (vii) you will not conduct any systematic retrieval of data or other data or Content from the Services, and you will not copy any Content displayed through the Services for republication in any format or media without Patch’s prior written consent.

Patch’s Representations and Warranties. Patch represents and warrants that (a) Patch complies with applicable local, state, and federal laws, rules and regulations in every material respect in providing the Services; (b) that prior to the delivery of a given Credit, Patch will have taken all necessary steps to obtain title to the Credits purchased under a signed Order governed by this Agreement; and (c) Patch shall convey all right, title and interest to Credits it delivers hereunder, free and clear of any liens, security interests, and encumbrances. For the avoidance of doubt, the foregoing warranties relate solely to Patch's title to and authority to transfer the Credits, and do not constitute any representation or warranty regarding the validity, additionality, permanence, quantification, registry status, or environmental or climate attributes of any Credit, or the acts or omissions of any Credit Issuer.

6. Disclaimers.

General Disclaimers. EXCEPT FOR THE EXPRESS LIMITED WARRANTIES SET FORTH IN SECTION FOUR, THE SERVICES AND ALL CONTENT ARE PROVIDED BY PATCH ON AN “AS-IS” AND “AS-AVAILABLE” BASIS, WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, THE ABILITY OF A PURCHASER TO APPLY THE CREDITS TO ANY PARTICULAR CARBON OFFSET MANDATE, RENEWABLE PORTFOLIO STANDARD, OR SIMILAR REGULATORY SCHEME; OR THAT USE OF THE SERVICES WILL BE UNINTERRUPTED OR ERROR-FREE. PATCH MAKES NO REPRESENTATION OR WARRANTY REGARDING THE ACCURACY, RELIABILITY, OR COMPLETENESS OF ANY CONTENT ON THE SERVICES, INCLUDING ANY INFORMATION RELATING TO CREDITS, PROJECTS, EMISSIONS ESTIMATES, OR CLIMATE IMPACT. YOU ACKNOWLEDGE AND AGREE THAT: (i) THE PURCHASE OF CREDITS ENTAILS INHERENT RISKS, PARTICULARLY RELATED TO THE ESTIMATION AND REALIZATION OF THE ACTUAL CLIMATE IMPACT OF THE UNDERLYING PROJECTS; (ii) PATCH MAKES NO REPRESENTATION THAT ANY CREDITS WILL ACHIEVE ANY PARTICULAR CLIMATE OUTCOME; AND (iii) COMPLIANCE WITH DISCLOSURE OBLIGATIONS UNDER APPLICABLE LAW, INCLUDING CALIFORNIA AB 1305 AND THE EU CSRD, IS YOUR SOLE RESPONSIBILITY, AND PATCH’S PROVISION OF INFORMATION TO SUPPORT SUCH COMPLIANCE IS PROVIDED AS A CONVENIENCE ONLY AND WITHOUT ANY WARRANTY OF ACCURACY OR COMPLETENESS. SOME STATES DO NOT ALLOW LIMITATION ON IMPLIED WARRANTIES SO CERTAIN OF THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU.

12. Data Protection (Registered Users).

To the extent Patch processes Personal Data (meaning any information relating to an identified or identifiable individual, including "personal information" under the California Consumer Privacy Act, as amended by the California Privacy Rights Act ("CCPA/CPRA"), "personal data" under the UK General Data Protection Regulation and the UK Data Protection Act 2018 (collectively, "UK-GDPR"), and equivalent or analogous categories of protected information under any other applicable data protection or privacy law) on behalf of you or your organization in connection with the Services, the parties agree that your organization is the controller (or equivalent role under applicable law, including "business" under CCPA/CPRA) and Patch is a processor (or equivalent role under applicable law), and Patch shall process such Personal Data solely on documented instructions from your organization and only as necessary to perform the Services, and for no other purpose, and shall not sell, share, retain, use, disclose, or otherwise process Personal Data for any commercial purpose or for any purpose other than the specific purpose of performing the Services or as otherwise permitted by applicable law. Patch represents and warrants that it understands and will comply with its obligations under all applicable data protection and privacy laws (including, without limitation, UK-GDPR and CCPA/CPRA to the extent applicable), including implementing and maintaining appropriate technical and organizational measures designed to protect Personal Data against accidental or unlawful destruction, loss, alteration, unauthorized disclosure, or access, consistent with the requirements of applicable law (including Article 32 of UK-GDPR and reasonable security procedures under CCPA/CPRA, as applicable).