12. Term and Fees We offer paid Products and Services through a monthly or annual subscription model (“Subscription Term”) as well as one-time and voluntary payments. You will gain access to subscription-based Products and Services upon payment of the applicable fee (“Subscription Fee”), which will be automatically deducted from your Alby Hub spending balance at the start of each Subscription Term. One-time payments grant access to specified Products or Services for a defined period or as otherwise stated at the time of purchase. Voluntary payments, such as tips or donations, are entirely optional and do not grant access to additional features unless explicitly stated. Information about current Subscription Fees, one-time payment options, and voluntary payments is available on our website or in our Products or Services. We have been notifying user accounts for over a year to withdraw surplus funds from their legacy Alby Account with a shared wallet created 2023 and before. To manage these inactive accounts effectively, we reserve the right to deduct the entire remaining balance from a user’s legacy Alby Account with a shared wallet after 12 consecutive months of inactivity, defined as no completed transactions during that period. This fee applies only to inactive legacy Alby Accounts with a shared wallet created 2023 and before and does not affect active or inactive Alby Hubs, fee credits, or other wallets connected to an Alby Account. If you have any doubts about whether your balance is affected, please contact us at support.getalby.com.