CardoPay Terms of Service

1. Description of services

CardoPay operates the platform that provides account management, funding, card issuance and lifecycle management, and transaction history. Virtual cards are issued by US-licensed banks or licensed issuing programs; transactions clear through global card networks. Stablecoin funding is converted or mapped to spendable card balance according to our rules—paths, fees, and timing are shown on deposit, pricing, and order screens. CardoPay does not replace issuer or acquirer decisions and cannot guarantee 100% authorization success at every merchant or in every region.

• Products include a Subscription Card and a Spend Card; suitability and typical success patterns are described in public materials—choose the card that matches your spend pattern before issuance.
• Some features rely on third parties (blockchain networks, banks and networks, identity vendors). Service interruptions or delays caused by them are not attributable to CardoPay except as required by law.

2. Eligibility & registration information

• You must be at least 18 (or the age of majority where you live), have full legal capacity, or have valid guardian consent.
• You must provide accurate, complete information as prompted and keep it updated; false information may result in suspension or termination.
• You must comply with applicable laws where you live and where you use the card, including rules on payments, foreign exchange, crypto assets, and sanctions.

3. Account security

You are responsible for safeguarding login credentials, one-time codes, second factors, and contact methods linked to your account.

• You may not lend, sell, or share your account with unauthorized third parties.
• Notify us promptly through official channels if you suspect unauthorized use.
• Losses arising from your failure to protect credentials are yours to the extent permitted by law.

4. Restrictions & prohibited conduct

To protect compliance and other users, you must not:

• Engage in money laundering, fraud, terrorist financing, tax evasion, or sanctions evasion;
• Attack, scrape non-public data, bypass controls, or abuse our systems or APIs;
• Use cards for uses not supported in our public materials or specifically restricted by issuers or networks;
• Distribute malware, phishing, or content that infringes others’ rights.

5. Fees & disclosure

Issuance fees, top-up fees, minimum funding amounts, and other charges are listed on our Pricing page and checkout screens. Confirm your all-in cost before paying. On-chain gas and fees charged directly by banks or intermediaries (not collected by us) remain your responsibility.

6. Limitation of liability

To the fullest extent permitted by law, we are not liable for losses caused by events outside our reasonable control (force majeure, third-party outages, regulatory change, merchant declines, or network limits). You understand authorization outcomes depend on merchant risk policies, network rules, and available balance.

7. Changes & termination

• We may update these terms as our business or legal requirements evolve and will post updates on the site; material changes will be highlighted where practical.
• If you disagree, stop using the service; where the law requires, you may close your account and settle balances according to the published process.
• We may warn, restrict, suspend, or terminate access for breaches of these terms or applicable law.

1. What cookies are

Cookies are small text files stored in your browser to remember state and preferences; they may be session or persistent.

2. Categories we use

• Strictly necessary: sign-in sessions, security tokens, load balancing, CSRF protection—core flows break without them;
• Functional: language, region, and interface choices;
• Analytics & performance: aggregated or de-identified usage to improve reliability;
• Where advertising partners are used, targeting cookies may apply per their policies.

3. Your controls

• Manage or block cookies in browser settings;
• Use private browsing for ephemeral sessions;
• Note: blocking necessary cookies may prevent login or cause repeated sign-outs.

4. Third parties

Embedded tools (analytics, chat widgets, etc.) may set their own cookies. Review their privacy notices and use them only if you are comfortable.

1. Program objectives

• Identify and verify customers and assess relationship risk;
• Monitor transactions for unusual patterns;
• Report suspicious activity as required by law;
• Maintain records for audit and regulatory review.

2. Customer due diligence

• We may request additional identity, address, or source-of-funds information based on risk;
• Enhanced due diligence may apply for PEPs, high-risk countries or industries;
• Failure to provide verifiable information may result in refusal, limits, or closure.

3. Transaction monitoring

We monitor indicators that may suggest money laundering or fraud, such as:

• Large, rapid, or uncharacteristic funding or spend;
• Links to sanctions, high-risk regions, or known fraud typologies;
• Structuring intended to evade thresholds when detected.

4. Risk factors

• Customer profile and geography;
• Merchant categories and spend patterns;
• Authorization and dispute rates;
• Matches to third-party risk signals where lawful.

5. Your cooperation

• Provide timely, truthful information about identity and transaction context;
• Update details when they change;
• Respond to reasonable requests from compliance teams;
• Notify us immediately if you suspect account compromise.

6. Consequences of violations

Violations of AML rules or involvement in illegal activity may lead to account restrictions, card freezes, termination, regulatory reporting, and pursuit of legal remedies where permitted.

1. Failed authorizations

If a merchant attempts authorization but settlement does not complete, holds usually release after a period that depends on the merchant and network.

• Check the in-app transaction/statement view first;
• If a hold persists, contact support with order and merchant details.

2. Balances after card closure

Whether remaining funds return to your wallet, and how long that takes, depends on the notices shown at closure, issuer policy, and review outcome.

• Avoid conflicting instructions while a dispute is open;
• Keep closure requests and reference IDs for your records.

3. Deposit matching issues

If a chain transfer does not match an order automatically, we may manually review hash, amount, and memo/tag fields.

• Do not send duplicate transfers while status is unclear;
• When contacting support, include time, amount, network, and transaction hash.

4. Scope of this notice

This summary is for general orientation only and is not a guarantee of outcomes, timing, or refund percentages. Cross-border and network policy changes may alter handling; we aim to reflect updates in our resources or announcements.