Atmos Points Programme Policy

Last updated: 29 July 2026 · Programme operator: Atmos ESG · Promotional loyalty credits — not financial liabilities at fixed value

1. Programme Summary

Atmos Points ("Points") are promotional loyalty credits awarded for maintaining portfolios that meet Atmos ESG's internal ESG qualification tiers. Points may be redeemed for partner rewards when available. They are not regulatory compliance scores or investment suitability ratings.

2. No Cash Equivalence

Points have no fixed monetary value
Points are not legal tender, e-money, or cryptocurrency
Points cannot be exchanged for cash unless we explicitly offer a cash-equivalent redemption (we do not offer this at launch)
Point balances do not create a guaranteed £/€/$ obligation on Atmos ESG's balance sheet

For accountants: Treat earned Points as a contingent marketing obligation at expected redemption cost, not at face-value × user balance.

3. Earning Points

Tier	Daily points (max 1 accrual/calendar day)
Bronze	5
Silver	15
Gold	30
Platinum	50

Qualification is based on in-app ESG analytics — not regulatory compliance. Tiers may change with notice.

Daily screenshot verification (required)

Daily qualification points are not added to your redeemable balance without a fresh portfolio screenshot each calendar day.

Qualifying points accrue to an On Hold balance until you upload a screenshot showing that day's holdings and daily price changes.
On successful verification, On Hold points move to your redeemable balance.
We do not store screenshot images. We store a verification fingerprint only (broker, tickers, weights, daily % changes) for up to 7 days to prevent reuse.
Reusing the same screenshot or fingerprint within 7 days is rejected.

4. Redemption

Reward catalogue items are indicative until partners launch
Point costs per reward may change before redemption opens
Atmos ESG may substitute rewards of comparable type and value
Redemption is subject to availability and partner participation

5. Expiry & Forfeiture

Points expire after 24 months of account inactivity (no login). Points are forfeited on account deletion. Atmos ESG may expire promotional Points granted in error. We will provide reasonable notice of material expiry policy changes where required by law.

6. Modification & Termination

Atmos ESG may modify earn rates, tiers, qualification criteria, rewards, or terminate the Programme with 30 days' in-app notice (except for fraud or abuse). Unused Points have no value upon Programme termination.

7. Abuse & Fraud

We may revoke Points and suspend accounts for manipulation of portfolio data, reusing the same portfolio screenshot or identical holdings fingerprints, multiple accounts per person, automated accrual, or other abuse.

8. Tax

Users are responsible for any tax implications of rewards received. Atmos ESG does not provide tax advice.

9. Disputes

Contact Cameron@maclaine.org within 30 days of a disputed accrual or redemption.

10. Relationship to Terms of Service

This Policy supplements the Atmos ESG Terms of Service. In case of conflict on Points-specific matters, this Policy prevails.