Terms of Use

1.1. Scope of Services

1.1.1. The Company operates a technology platform facilitating access to virtual and physical payment card products and related functionality provided through independent financial institutions, payment service providers, card issuers and other partners (collectively, "Financial Partners").

1.1.2. The Platform provides users with functionality for account registration, payment card applications, card management, viewing card transaction information, customer support and other features directly related to the use and management of payment cards.

1.1.3. The availability and functionality of particular services depend on the relevant Financial Partners, technical capabilities, geographical restrictions and applicable legal requirements.

1.1.4. The Company may introduce, modify, suspend or discontinue particular Platform features, subject to applicable law and these Terms.

1.2. Regulatory Status and Financial Partners

1.2.1. Payment cards accessible through the Platform are issued by independent third-party institutions authorised or otherwise legally permitted to issue the relevant products.

1.2.2. The Company is not the issuer of the payment cards and does not open or maintain bank accounts for users through the Platform. The Platform provides technological functionality for accessing and managing payment card products issued by independent Financial Partners. The Company does not independently provide banking or other regulated financial services merely by facilitating access to such products.

1.2.3. The issuing institution and other Financial Partners remain responsible for the functions and obligations legally assigned to them.

1.2.4. The Company's obligations are determined by the services it actually provides, applicable legislation and its contractual arrangements with Financial Partners.

1.2.5. Certain card products may be subject to additional terms, disclosures or instructions established by the relevant issuer or Financial Partner. Such terms shall apply to the relevant product where properly communicated to the user.

1.2.6. A user account registered on the Platform is a technical account used to access and manage the Platform's services. It does not constitute a bank account or payment account opened or maintained by the Company.

2.1. Eligibility

2.1.1. The Platform is intended for natural persons who have reached the age of 18 or any higher minimum age required by applicable law or the relevant Financial Partner.

2.1.2. The Platform is not intended for registration or use by legal entities as customers.

2.1.3. Users must have the legal capacity to enter into binding agreements and must not be prohibited from using the services under applicable law.

2.1.4. Access to the Platform does not guarantee eligibility for any particular card product.

2.2. Account Registration

2.2.1. To access the services, users must register using a valid email address and complete the applicable registration process.

2.2.2. Users must provide accurate, current and complete information and update such information where necessary.

2.2.3. The Company may require additional information or verification before granting access to particular functionality.

2.2.4. The Company may reject or restrict registration where reasonably necessary for legal, compliance, security or operational reasons.

2.3. Account Security

2.3.1. Users are responsible for maintaining the confidentiality of their account credentials and protecting access to their registered email address and devices.

2.3.2. Users must not knowingly allow unauthorised persons to access or use their accounts.

2.3.3. Users must promptly notify the Company if they suspect unauthorised access, compromised credentials or fraudulent activity.

2.3.4. The Company may implement additional authentication and security procedures.

2.4. Acceptance of Terms

2.4.1. These Terms shall be made available to users during the registration process.

2.4.2. By completing registration and confirming acceptance where requested, the user enters into a contractual relationship with the Company under these Terms.

2.4.3. Continued use of the Platform following lawful notification of amended Terms may constitute acceptance of those amendments to the extent permitted by applicable law.

2.4.4. Where applicable law requires express consent to particular terms or changes, the Company shall obtain such consent.

3.1. Verification Requirements

3.1.1. Access to card products may require identity verification, sanctions screening and other compliance procedures.

3.1.2. Verification may be performed by the Company, Financial Partners or qualified third-party providers, as permitted by applicable law.

3.1.3. Users agree to provide information and documentation reasonably required for applicable verification and compliance purposes.

3.1.4. The Company may suspend or refuse access to relevant functionality where required verification cannot be completed.

3.2. Ongoing Compliance

3.2.1. The Company and its Financial Partners may request updated information or additional documents where necessary to satisfy applicable legal, contractual or risk management requirements.

3.2.2. Users must not provide false, misleading, altered or unlawfully obtained information.

3.2.3. The Company may restrict services where a user fails to satisfy applicable verification requirements or where credible compliance concerns arise.

3.3. Compliance Cooperation

3.3.1. The Company may share relevant information with Financial Partners, verification providers and competent authorities where legally permitted or required.

3.3.2. The Company may delay, reject or refer requests and transactions for further review where required by law, applicable compliance procedures or Financial Partner instructions.

4.1. Card Availability

4.1.1. The Platform may provide access to virtual and physical payment cards issued by independent Financial Partners.

4.1.2. Available card types, supported currencies, transaction capabilities, limits and other product characteristics may vary.

4.1.3. The Company does not guarantee that any particular card product will remain available indefinitely.

4.2. Card Issuance

4.2.1. The issuance of a payment card is subject to approval by the relevant issuing institution and completion of applicable verification procedures.

4.2.2. The Company may facilitate payment card applications, provide card management functionality and display information about card transactions through the Platform but does not guarantee approval or issuance of any payment card.

4.2.3. The relevant issuer may establish additional requirements, limits and restrictions.

4.3. Card Usage

4.3.1. Cards may be used only for lawful purposes and in accordance with these Terms, the applicable issuer requirements and relevant payment network rules.

4.3.2. Users are responsible for ensuring that their intended transactions are permitted under the applicable card product conditions.

4.3.3. Certain card products may be subject to restrictions on merchant categories, transaction types, geographical locations or other usage parameters.

4.3.4. Product-specific prohibited payment categories, geographical restrictions and other applicable limitations shall be made available to users within their personal accounts or through the relevant card product information.

4.3.5. Users must review and comply with the restrictions applicable to their selected card product.

4.3.6. Where product-specific restrictions conflict with general Platform permissions, the more restrictive applicable requirement shall govern the relevant card usage.

4.4. Transaction Processing

4.4.1. Card transactions are authorised, processed and settled through the relevant issuing institution, payment network and other Financial Partners.

4.4.2. The Company does not guarantee approval or successful completion of any particular card transaction.

4.4.3. Transactions may be declined, delayed, reversed or restricted due to issuer rules, security controls, insufficient available funds, technical issues, merchant restrictions or applicable law.

4.4.4. Transaction information displayed on the Platform may be subject to processing delays or subsequent adjustments.

4.5. Cardholder Responsibilities

4.5.1. Users must protect their card details, account credentials and authentication information.

4.5.2. Users must promptly report suspected card compromise, loss, theft or unauthorised transactions through the available support channels.

4.5.3. Users must not use cards in violation of applicable laws, issuer conditions or these Terms.

4.5.4. Any statutory rights concerning unauthorised transactions, refunds or payment disputes remain unaffected.

5.1. Funding Method

5.1.1. The Platform enables users to fund supported payment card products using cryptocurrencies supported by the Platform.

5.1.2. Cryptocurrency funding is facilitated through the Platform using supported technical infrastructure and third-party service providers, as applicable.

5.1.3. The availability of particular cryptocurrencies, blockchain networks and funding methods may vary depending on the relevant card product and service arrangements.

5.1.4. Users must follow the funding instructions provided through the Platform, including the designated payment addresses, supported digital assets and blockchain networks.

5.1.5. Cryptocurrency funding transactions may be subject to network confirmations, compliance checks, technical processing and applicable service provider requirements.

5.2. Funding Instructions

5.2.1. Users are responsible for verifying the accuracy of all cryptocurrency transfer details before initiating a transaction.

5.2.2. Transfers made to an incorrect address, through an unsupported network or using an unsupported digital asset may be irrecoverable.

5.2.3. The Company does not guarantee recovery of incorrectly transmitted digital assets.

5.2.4. Any recovery assistance, where technically and legally possible, may be subject to applicable conditions and reasonable costs disclosed to the user.

5.3. Processing and Confirmation

5.3.1. Cryptocurrency funding may be subject to blockchain confirmations, network congestion, technical processing, compliance checks and Financial Partner procedures.

5.3.2. The time required to process a funding transaction may vary.

5.3.3. The Company may delay or reject funding associated with suspected fraud, prohibited activity, sanctions exposure or other legitimate compliance concerns.

5.3.4. Any conversion, valuation or allocation of funds shall be governed by the conditions disclosed to the user for the relevant transaction or product.

5.4. Blockchain Risks

5.4.1. Users acknowledge that blockchain transactions may be irreversible and may involve network failures, congestion, transaction fees, technical vulnerabilities and fluctuations in the value of digital assets.

5.4.2. The Company is not responsible for failures of independent blockchain networks or third-party services outside its reasonable control, except where liability arises under mandatory applicable law.

5.4.3. Nothing in these Terms excludes any legal or regulatory obligation applicable to cryptocurrency-related activities actually performed by the Company or its Financial Partners.

5.5. No Ordinary Withdrawal Functionality

5.5.1. The Platform is intended for cryptocurrency funding of supported payment card products and the management of such cards. It does not provide bank account opening or management functionality or a general-purpose cryptocurrency or fiat withdrawal service.

5.5.2. Funding the Platform does not entitle a user to demand an ordinary withdrawal through a functionality that is not offered.

5.5.3. This provision does not limit a user's statutory rights, applicable payment service rights or eligibility to receive a refund or return of remaining funds under Section 7.

6.1. Applicable Fees

6.1.1. The use of certain Platform services or card products may involve fees, charges or other costs.

6.1.2. Applicable fees and charges shall be disclosed to users through the Platform or other appropriate means before they become binding, as required by applicable law.

6.1.3. Additional fees may be imposed by issuing institutions, payment networks, blockchain networks or other third parties, where applicable.

6.2. Changes to Fees

6.2.1. The Company may amend its fees for future services, subject to applicable law and any required notice or consent.

6.2.2. Changes shall not apply retroactively to completed transactions unless permitted by applicable law or necessary to correct an error.

7.1. Card Restrictions and Blocking

7.1.1. The Company may suspend access to the Platform, restrict card-related functionality or initiate card blocking where:

1. a) The user violates these Terms or applicable card usage restrictions;
2. b) Fraudulent, suspicious or unauthorised activity is detected or reasonably suspected;
3. c) Required identity verification or compliance procedures cannot be completed;
4. d) Restrictions are required by applicable law, sanctions or competent authorities;
5. e) The relevant card issuer or Financial Partner requests or requires such action;
6. f) Security, technical or operational circumstances reasonably justify temporary restrictions.

7.1.2. Card blocking and transaction restrictions may be implemented directly by the Company within its technical and contractual authority or by the relevant issuing institution.

7.1.3. Where legally permissible and reasonably practicable, the Company may notify the user of the restriction and provide information about available resolution procedures.

7.2. Return of Remaining Funds

7.2.1. Where a payment card is blocked, closed at the user's request or otherwise terminated, the user may contact customer support to request the return of any eligible remaining funds associated with that card.

7.2.2. Subject to applicable law and the relevant issuer's requirements, remaining funds may be returned to payment details provided by the user and verified as belonging to the cardholder.

7.2.3. The Company or the relevant Financial Partner may request additional information or documentation to verify the cardholder's identity, confirm ownership of the receiving payment details and complete necessary compliance checks.

7.2.4. The processing of a refund may be delayed, restricted or prohibited where required by applicable law, sanctions, competent authorities, compliance procedures or binding requirements of the relevant Financial Partner.

7.2.5. The method, timing and availability of a refund shall depend on the circumstances of the request, applicable legal requirements and the procedures of the institution responsible for the funds.

7.2.6. Any applicable refund-related fees shall be disclosed in accordance with applicable law and the relevant service conditions.

7.2.7. The Company shall facilitate eligible refund requests within its operational responsibilities. The actual return of funds may be performed by the relevant Financial Partner.

7.3. No Automatic Forfeiture

7.3.1. Blocking a card, suspending an account or terminating services shall not, by itself, result in the forfeiture of lawfully refundable remaining funds.

7.3.2. Any remaining funds shall be handled in accordance with applicable law, the relevant card product conditions and the procedures of the institution responsible for such funds.

8.1. General Restrictions

Users must not use the Platform or payment cards to:

1. a) Conduct unlawful transactions or activities;
2. b) Engage in fraud, money laundering, terrorist financing or sanctions evasion;
3. c) Use stolen, false or unauthorised identity information;
4. d) Facilitate transactions involving prohibited goods or services;
5. e) Circumvent card limits, verification procedures or security controls;
6. f) Provide unauthorised third parties with access to card products or account functionality;
7. g) Interfere with or compromise the Platform's security or operation;
8. h) Conduct activities prohibited by applicable issuer or payment network requirements.

8.2. Restricted Transactions

8.2.1. Particular merchant categories, business activities, transaction types or payment purposes may be restricted or prohibited.

8.2.2. The applicable restrictions may differ between card products and shall be communicated through the user's personal account or other relevant product information.

8.2.3. Users are responsible for complying with the restrictions applicable to the card they use.

8.2.4. The Company and its Financial Partners may reject or restrict transactions that violate applicable requirements.

9.1. Restricted Jurisdictions

9.1.1. The Platform is not available to users or for activities where providing the relevant services would violate applicable laws, sanctions or mandatory regulatory restrictions.

9.1.2. The Company may restrict access from jurisdictions subject to relevant international sanctions, high-risk financial crime exposure, Financial Partner restrictions or other material compliance concerns.

9.1.3. In assessing geographical risk, the Company may consider publications and recommendations of the Financial Action Task Force (FATF), applicable sanctions regimes and other relevant regulatory information.

9.1.4. A jurisdiction's inclusion in a FATF publication does not automatically constitute a universal legal prohibition; applicable restrictions shall depend on the relevant legal requirements and risk assessment.

9.2. Card-Specific Geographical Restrictions

9.2.1. Certain cards may have additional geographical limitations imposed by the issuing institution or payment network.

9.2.2. Such limitations may be communicated separately for each card within the user's personal account.

9.2.3. Users must comply with both general Platform restrictions and any additional limitations applicable to their card products.

9.3. Changes in Restrictions

9.3.1. Geographical and sanctions-related restrictions may change due to legal developments, Financial Partner requirements or changes in the relevant risk environment.

9.3.2. The Company may implement restrictions without prior notice where immediate action is legally required or reasonably necessary to address urgent compliance or security risks.

10.1. Account Suspension

10.1.1. The Company may temporarily suspend or restrict access to the Platform or specific services where reasonably necessary due to:

1. a) Violation or suspected violation of these Terms;
2. b) Suspected fraud, unauthorised activity or security threats;
3. c) Failure to complete required verification or compliance procedures;
4. d) Applicable legal, regulatory or sanctions requirements;
5. e) Instructions or restrictions imposed by the relevant card issuer or Financial Partner;
6. f) Technical, operational or security circumstances affecting the provision of services.

10.1.2. Restrictions may remain in effect for as long as reasonably necessary to address the circumstances giving rise to them, subject to applicable law.

10.1.3. Where legally permissible and reasonably practicable, the Company may notify the user of the restriction and provide information regarding available resolution procedures.

10.2. Termination by the Company

10.2.1. The Company may terminate a user's account or access to specific services where:

1. a) The user materially violates these Terms;
2. b) The user provides false, misleading or fraudulent information;
3. c) Required verification cannot be completed;
4. d) Continued provision of services would violate applicable law or sanctions;
5. e) The relevant card issuer or Financial Partner discontinues or prohibits the service;
6. f) Continued provision of services becomes technically, legally or operationally impracticable.

10.2.2. Termination shall be carried out in accordance with applicable law, including any mandatory notice requirements and consumer protection rights.

10.3. Termination by the User

10.3.1. The user may request closure of their account or individual payment cards by contacting customer support or using any available closure functionality within the Platform.

10.3.2. Closure may be subject to the completion of pending transactions, applicable verification procedures and other outstanding legal or contractual obligations.

10.3.3. Where an individual payment card is closed at the user's request, any eligible remaining funds may be returned in accordance with Section 7.2.

10.3.4. Where the user requests closure of their entire account, any remaining funds associated with their cards shall be handled in accordance with Section 7.2 and applicable law.

10.4. Consequences of Termination

10.4.1. Upon termination, access to the relevant Platform functionality and payment card services may be discontinued.

10.4.2. Termination shall not automatically result in the forfeiture of any lawfully refundable remaining funds.

10.4.3. The Company may retain information and records where required or permitted by applicable law, including applicable AML/CFT, accounting and data protection requirements.

10.4.4. Termination shall not affect accrued rights, outstanding obligations or provisions intended to survive termination, to the extent permitted by applicable law.

11.1. Financial Partners

11.1.1. The Platform facilitates access to payment card products and related services provided through independent Financial Partners.

11.1.2. The availability, functionality and conditions of individual card products may depend on the relevant Financial Partner.

11.1.3. The Company is responsible for the services and obligations attributable to it under these Terms and applicable law. Financial Partners remain responsible for their own legally assigned functions and obligations.

11.1.4. The Company does not guarantee the approval, continued availability or uninterrupted operation of any particular card product.

11.2. Third-Party Infrastructure

11.2.1. The Platform may rely on external technical infrastructure, blockchain networks, verification providers, payment processors and other third-party systems.

11.2.2. The Company shall not be responsible for failures or interruptions attributable exclusively to independent third parties and outside its reasonable control, except where liability arises under applicable law.

11.2.3. Nothing in this Section limits the Company's responsibility for its own acts, omissions or obligations that cannot lawfully be excluded.

12.1. Ownership

12.1.1. The Platform, including its software, design, interfaces, content, trademarks and related intellectual property, is owned by the Company or its licensors.

12.1.2. Users are granted a limited, non-exclusive, non-transferable right to access and use the Platform for its intended purposes in accordance with these Terms.

12.2. Restrictions

12.2.1. Users shall not reproduce, distribute, modify, reverse engineer or commercially exploit protected elements of the Platform without authorisation, except where permitted by applicable law.

12.2.2. Users shall not interfere with the Platform's security, technical infrastructure or access controls.

13.1. Data Processing

13.1.1. Personal data shall be processed in accordance with applicable data protection legislation, including Regulation (EU) 2016/679 (GDPR), where applicable.

13.1.2. Information regarding the processing of personal data, including relevant purposes, legal bases, recipients, retention periods and user rights, shall be provided in the Company's Privacy Policy.

13.2. Information Sharing

13.2.1. Personal data may be shared with Financial Partners, verification providers, technical service providers and competent authorities where permitted or required by applicable law.

13.2.2. International transfers of personal data shall be subject to applicable legal requirements and safeguards.

13.3. User Rights

13.3.1. Users may exercise their applicable data protection rights in accordance with the Privacy Policy and relevant legislation.

14.1. Platform Operation

14.1.1. The Company shall take reasonable measures to maintain the availability, functionality and security of the Platform.

14.1.2. Access to the Platform or particular services may be temporarily interrupted due to maintenance, updates, security measures, technical failures, third-party service interruptions or circumstances outside the Company's reasonable control.

14.1.3. The Company may modify, suspend or discontinue particular features where reasonably necessary for technical, operational, legal or security reasons, subject to applicable law.

14.2. Service Limitations

14.2.1. The Company does not guarantee that the Platform will operate without interruption or technical errors.

14.2.2. Nothing in this Section excludes mandatory statutory rights or remedies available to users.

15.1. General Principles

15.1.1. Each party shall be responsible for its own acts, omissions and contractual obligations in accordance with applicable law.

15.1.2. The Company shall not be liable for losses resulting exclusively from circumstances outside its reasonable control, to the extent permitted by applicable law.

15.1.3. Users shall be responsible for consequences arising from their unlawful conduct, fraudulent activity or breaches of these Terms, to the extent permitted by applicable law.

15.2. Card Transactions and External Services

15.2.1. The Company does not independently guarantee the approval, execution or settlement of card transactions processed by the relevant issuing institution or payment network.

15.2.2. The Company shall not be responsible for independent decisions or failures of Financial Partners, except where the Company bears responsibility under applicable law or its own contractual obligations.

15.2.3. The Company shall not be responsible for losses arising exclusively from incorrect cryptocurrency transfer instructions entered by the user, unsupported blockchain networks or independent blockchain failures, except where liability cannot lawfully be excluded.

15.3. Mandatory Rights

15.3.1. Nothing in these Terms shall exclude or limit liability for fraud, intentional misconduct or any other matter for which liability cannot lawfully be excluded.

15.3.2. Nothing in these Terms shall restrict mandatory consumer protection rights, applicable payment service rights or other statutory remedies available to users.

16.1. Customer Support

16.1.1. Users may contact the Company's customer support regarding registration, account access, card functionality, funding, restrictions, refund requests and other matters relating to the Platform.

16.1.2. Customer support contact details shall be made available through the Platform.

16.2. Complaints

16.2.1. Users may submit complaints concerning the Company's services through the designated support channels.

16.2.2. The Company shall review complaints and respond in accordance with applicable legal requirements and its operational responsibilities.

16.2.3. Complaints relating to services provided by a Financial Partner may be referred to the relevant provider where appropriate.

16.2.4. Nothing in these Terms prevents users from exercising their rights to contact competent authorities, consumer protection bodies, alternative dispute resolution entities or courts, where applicable.

17.1. Changes to Terms

17.1.1. The Company may amend these Terms to reflect changes in applicable legislation, regulatory requirements, Financial Partner arrangements, service functionality, security measures or other legitimate operational needs.

17.1.2. Material changes shall be communicated to users in advance where required by applicable law.

17.1.3. Where applicable law requires express consent, advance notice or a right to terminate, the Company shall comply with those requirements.

17.2. Acceptance of Amendments

17.2.1. The current version of these Terms shall be available through the Platform.

17.2.2. Continued use of the Platform following lawful notification and implementation of amended Terms may constitute acceptance of such amendments where permitted by applicable law.

17.2.3. Where express acceptance is legally required, continued use alone shall not replace that requirement.

18.1. Statutory Withdrawal Rights

18.1.1. Where applicable law provides a consumer with the right to withdraw from a distance contract, the user may exercise that right within the applicable statutory period and subject to the conditions established by law.

18.1.2. The availability, duration and conditions of the withdrawal right shall depend on the legal classification of the relevant service and the applicable consumer protection legislation.

18.1.3. Where a statutory 14-day withdrawal period applies, it shall be calculated in accordance with the applicable legal requirements.

18.2. Exercise of Withdrawal Rights

18.2.1. A user wishing to exercise an applicable statutory right of withdrawal may notify the Company through its designated customer support channels by providing a clear statement of their decision to withdraw.

18.2.2. The Company may request information reasonably necessary to identify the relevant user and contractual relationship.

18.2.3. Any legally required refund or other consequence of withdrawal shall be handled in accordance with applicable law.

18.3. Exceptions and Special Rules

18.3.1. Certain financial services, payment transactions, digital services or other products may be subject to specific withdrawal rules, statutory exceptions or limitations.

18.3.2. Where a statutory exception applies or a service has been performed under circumstances that lawfully affect the right of withdrawal, the relevant legal provisions shall govern.

18.3.3. Nothing in these Terms excludes or restricts any mandatory withdrawal right available to the user under applicable law.

19.1. Governing Law

19.1.1. These Terms shall be governed by and interpreted in accordance with the laws of the Republic of Bulgaria, taking into account directly applicable European Union legislation.

19.1.2. This choice of law shall not deprive consumers of mandatory protections applicable to their contracts under relevant law.

19.2. Dispute Resolution

19.2.1. Users may contact customer support to seek an amicable resolution of disputes arising from these Terms or the use of the Platform.

19.2.2. Where a dispute cannot be resolved amicably, it may be submitted to the competent courts in accordance with applicable jurisdictional rules.

19.2.3. Nothing in these Terms restricts mandatory rights concerning consumer jurisdiction, alternative dispute resolution or access to competent authorities.

19.3. Severability

If any provision of these Terms is found invalid or unenforceable, the remaining provisions shall remain effective to the extent permitted by applicable law.

19.4. No Waiver

Failure by the Company to exercise or enforce a contractual right shall not automatically constitute a waiver of that right.

19.5. Entire Agreement

These Terms, together with applicable product-specific conditions and other documents expressly incorporated into the contractual relationship, govern the user's access to and use of the Platform.

Nothing in this provision excludes mandatory pre-contractual information or statutory consumer rights.

19.6. Language

These Terms are provided in English. Any translations and applicable language requirements shall be handled in accordance with relevant law.