Terms of Service

Effective Date: November 10, 2024 Last Updated: October 25, 2025 Version: 2.0

1. Acceptance of Terms

By using the services of CARD-Y HOLDINGS INC. ("Card-Y", "we", "us", "our"), you agree to these Terms of Service. If you do not agree, please discontinue use immediately.

Arabic Translation: An Arabic translation of these terms may be provided for convenience; however, the English version shall prevail in case of any conflict.

2. Services Provided

Non-Bank Disclosure

Card-Y is not a bank. Card and Global Account services are provided by regulated third-party partners and their issuing/banking institutions. Any deposit insurance (e.g., FDIC pass-through coverage) is provided by the partner bank and is subject to eligibility, program limits, and their terms. Card-Y does not guarantee deposit insurance.

Virtual Prepaid Cards

Card-Y provides virtual prepaid cards ("Card") for online use through our card-issuing partners. Users top up their wallets with Egyptian Pounds (EGP), which are converted to United States Dollars (USD) for use with their Cards. Cards are valid for four years from the date of issuance.

Network & Issuer Rules: Use of any Card is subject to the applicable card-network rules (Mastercard) and issuing bank terms, which are incorporated by reference. In the event of conflict, issuer/network rules govern. Violations of network or issuer rules may result in transaction reversal, chargeback, or account closure.

Global Accounts

Card-Y provides virtual USD and EUR bank accounts ("Global Accounts") through our partner Bridge for receiving international payments. Global Accounts enable users to:

  • Receive ACH and wire transfers in USD/EUR
  • Access USDC cryptocurrency wallets for fund management
  • Transfer funds to Card-Y wallets or external accounts
  • Benefit from pass-through FDIC insurance (subject to partner bank eligibility and program limits)

Important: FDIC insurance is provided by Bridge's partner banks, not by Card-Y, and is subject to banking program rules and eligibility requirements.

Referral Program

Card-Y operates a multi-tier referral program allowing users to earn rewards by referring new customers to our platform. See Section 6 for complete terms.

All fees, costs, and service limitations are outlined in this document and our Knowledge Base.

3. Beta Phase Disclaimer

Certain features of our service are currently in beta testing, including but not limited to Global Accounts.

Beta Features

During beta phase, features may experience:

  • Service downtime or interruptions
  • Technical bugs or errors
  • Potential financial processing delays
  • Feature modifications or removal without advance notice
  • Limited customer support availability

Beta Access

  • Beta features require separate application and approval
  • CARD-Y reserves the right to accept or reject beta applications
  • Beta access may be revoked at any time
  • Features may transition from beta to production at CARD-Y's discretion

Liability Disclaimer

Card-Y disclaims all liability for service interruptions, downtime, processing delays, or losses resulting from the beta nature of designated features.

Exclusive Remedy (Beta)

For beta features, your sole and exclusive remedy for any downtime, delays, data issues, or errors is, at Card-Y's discretion, a refund of applicable fees or service credits. All other remedies are excluded to the maximum extent permitted by law.

Beta users agree to:

  • Provide feedback on feature functionality
  • Report bugs and issues promptly
  • Accept that beta features may have reduced service levels
  • Understand that data from beta features may be lost or corrupted

4. User Obligations and KYC Requirements

Know Your Customer (KYC) Verification

To use our services, users must complete identity verification through:

  1. CARD-Y KYC Process

    • Government-issued identification
    • Proof of address
    • Selfie verification
    • Additional documentation as required

  2. Bridge KYC Verification (for Global Accounts)

    • Complete Bridge's identity verification process
    • Accept Bridge's Terms of Service
    • Provide information required by Bridge for compliance
    • Understand that Bridge makes independent KYC decisions

Information Sharing

Your KYC information is shared with:

  • BridgeCard: For virtual card issuance and management
  • Bridge: For Global Account creation and management
  • Banking partners as required for service delivery

All partners are regulated financial services providers with appropriate data security certifications.

User Responsibilities

Users must:

  • Provide accurate and truthful information
  • Update information when it changes
  • Maintain account security (passwords, 2FA)
  • Comply with applicable laws in their jurisdiction
  • Not use services for illegal purposes
  • Be at least 18 years of age
  • Maintain only one CARD-Y account

Account Suspension

CARD-Y may suspend or terminate accounts for:

  • Providing false information
  • Suspected fraudulent activity
  • Violation of these terms
  • Regulatory or compliance concerns
  • Extended inactivity (see Section 9)

5. Fees and Payment

Card Fees

Issuance Fees

  • Virtual Card: $15 USD (one-time, non-refundable)
  • Physical Card: Varies (see Knowledge Base)
  • Card validity: 4 years from issuance

Transaction Fees

  • USD Transactions: 1% per transaction (minimum $1, maximum $5)
  • Foreign Currency Transactions: 1.5% currency conversion fee plus platform processing costs

Maintenance Fees

  • Monthly Maintenance: $1 USD per month (auto-deducted from card balance)
  • Insufficient Balance: Card may be auto-deleted by issuing bank
  • Card Reissuance: $3 USD (for deleted cards with same details)

Renewal and Inactivity

  • Annual Renewal: $5 USD per year
  • Inactivity Period: Cards unused for 6 consecutive months will be automatically deleted
  • Balance Transfer: Remaining balance transferred to CARD-Y wallet upon deletion

Deposit Fees

When funding your Card-Y wallet with EGP, fees include:

FX & Pricing

Currency conversions use rates provided by our payment or liquidity partners and may differ from market or bank rates. All applicable rates and fees are shown before you confirm a transaction and may change without prior notice unless otherwise required by law. See the Knowledge Base for current fees.

Processing Fees

  • Payment Provider Fee: Varies by payment method (see Knowledge Base)
  • Platform Fee: See current rates in Knowledge Base
  • Total Combined Fee: Disclosed before transaction completion

Rate Transparency: Exchange rates are based on provider quotes at the time of transaction and may include a margin above interbank rates.

Global Account Fees

Receiving Funds

  • Deposit Fee: 5% of amount received (deducted from incoming transfer)
  • Developer Fee: Included in the 5% receiving fee
  • No Hidden Fees: What you see is what you pay

Transfers and Withdrawals

  • To Card-Y Wallet: No Card-Y fee (same-day processing)
  • To Egyptian Bank Account: No Card-Y fee (2 business days; receiving bank may charge fees)
  • International Wire Transfers: Fees disclosed at time of transfer

Account Maintenance

  • Setup Fee: $0
  • Monthly Fee: $0
  • Annual Fee: $0
  • Minimum Balance: $0

Promotional Benefits

  • Free Virtual Card: Earned after receiving $1,000 USD via Global Account (subject to eligibility and program availability)
  • USDC Wallet: Created automatically at no cost for fund management

Fee Modifications

CARD-Y reserves the right to modify fees with:

  • 30 Days Advance Notice: For all fee increases
  • Email Notification: Sent to registered email address
  • Right to Terminate: Users may close accounts without penalty before effective date
  • Grandfathering: Existing transactions at time of notice will use old fees

Refund Policy

  • Card issuance fees are non-refundable
  • Processing fees are non-refundable once transaction is completed
  • Unused card balance may be withdrawn to CARD-Y wallet
  • Account closure does not entitle users to fee refunds

6. Referral Program Terms

Program Overview

The Card-Y Referral Program rewards users for referring new customers who successfully complete registration and use our services.

Promotional Rewards Only

Referral rewards are promotional, discretionary incentives calculated on eligible activities (e.g., successful card purchase, qualified deposits/transactions) and are not interest on funds or balances. Card-Y may modify, suspend, or cancel rewards, tiers, or caps with notice as stated in these Terms.

Eligibility Requirements

For Referrers (Inviters)

  • Must have an active CARD-Y account
  • Account must not be suspended or restricted
  • Must have purchased at least one card (configurable requirement)
  • Subject to daily referral limits (10 per day)

For Referees (New Users)

  • Must register using valid referral code
  • Must complete KYC verification
  • Must make qualifying purchases/deposits within 30 days
  • Cannot have existing CARD-Y account

Referral Tiers

Users progress through five reward tiers based on completed referrals and total deposit volume:

Tier Required Referrals Required Deposits Card Purchase Reward Transaction Bonus Global Account Deposit Reward
🥉 Bronze 0 $0 25% 0% 0.2%
🥈 Silver 5 $0 30% 0.1% daily 0.4%
🥇 Gold 25 $25 35% 0.15% daily 0.6%
🏆 Platinum 100 $100 40% 0.25% daily 0.8%
💎 Diamond 500 $500 50% 0.5% daily 1.0%

Reward Structure

1. Card Purchase Rewards (One-Time)

  • Paid when referee purchases their first card
  • Calculation: Card purchase amount × tier percentage
  • Maximum: $25 per referral (configurable to $200)
  • Deposited to rewards wallet immediately

2. Daily Transaction Bonuses (Ongoing)

  • Available for Silver tier and above
  • Calculation: Based on referee's eligible daily activity × tier percentage
  • Not interest or yield: Rewards based on transaction activity, not on balances or time
  • Maximum: $50 per day per referrer
  • Processed daily via automated system
  • Program may change: Rates and structure subject to modification with notice

3. Global Account Deposit Rewards (Per Deposit)

  • Paid each time referee receives deposit to Global Account
  • Calculation: Deposit amount × tier percentage
  • Referee Cap: Maximum $10 per referee per month
  • Referrer Daily Cap: Maximum $100 across all referrals per day
  • Referrer Monthly Cap: Maximum $1,000 across all referrals per month
  • Minimum qualifying deposit: $25

4. Milestone Bonuses (One-Time)

When referees reach "active" status (opened Global Account + received $50+ in deposits):

Active Referrals Bonus Amount
3 active $10
10 active $30
25 active $75
50 active $100
100 active $300

Referral Expiration

  • Referrals expire 30 days after referee registration if no qualifying activity
  • Exception: Referrals that have shown activity (Global Account opened OR deposits received) do not expire
  • Expired referrals do not count toward tier progression
  • No rewards paid for expired referrals

Reward Limits and Restrictions

  • All rewards deposited to separate "Rewards Wallet"
  • Rewards may be transferred to main wallet or withdrawn
  • Rate limit: Maximum 10 new referrals per day per user
  • Referral codes are unique and non-transferable
  • Multiple accounts to circumvent limits is prohibited

Tax Reporting

  • Users earning rewards may have tax reporting obligations
  • CARD-Y may issue 1099 forms for US persons earning over $600/year
  • International users responsible for own tax compliance
  • Rewards are considered income in most jurisdictions

Program Modifications and Termination

CARD-Y reserves the right to:

  • Modify tier requirements with 30 days notice
  • Adjust reward percentages with 30 days notice
  • Suspend or terminate program at any time
  • Disqualify users for fraudulent activity
  • Withhold rewards pending investigation
  • Set maximum lifetime earnings caps

Prohibited Activities

  • Creating fake accounts to generate referrals
  • Using bots or automated systems to generate referrals
  • Misleading marketing about rewards or services
  • Self-referrals or circular referral schemes
  • Purchasing referrals from third parties
  • Spamming or unsolicited marketing

Violations result in immediate disqualification and forfeiture of unpaid rewards.

7. Global Accounts

Service Provider Partnership

Global Accounts are provided through our partnership with Bridge (bridge.xyz), a licensed money services business. By using Global Accounts, you also agree to Bridge's Terms of Service and Privacy Policy.

Account Structure

Virtual Bank Accounts

  • USD Account: Receive ACH and wire transfers
  • EUR Account: Receive SEPA and international transfers
  • Unique routing and account numbers for each currency
  • FDIC insurance through Bridge's banking partners (limitations apply)

USDC Cryptocurrency Wallets

  • Automatically created on Solana blockchain for fund management
  • Used for automatic conversion from fiat to cryptocurrency
  • Required for account liquidation and transfers
  • Blockchain transactions are irreversible

FDIC Insurance Limitations

  • Insurance provided through Bridge's partner banks
  • Coverage up to $250,000 per account type per institution
  • Only applies to USD balances in partner banks
  • Does NOT cover USDC cryptocurrency balances
  • Does NOT cover funds in transit or pending transfers
  • Coverage subject to FDIC rules and Bridge's banking relationships

Fund Processing

Receiving Deposits

  • ACH transfers: 1-3 business days
  • Wire transfers: Same business day
  • International transfers: 3-5 business days
  • All incoming funds subject to 5% receiving fee

Auto-Liquidation

  • Received fiat funds automatically converted to USDC
  • Conversion happens on Solana blockchain
  • Conversion rate based on market rate at time of receipt
  • Users cannot opt out of auto-liquidation
  • USDC balance displayed as USD equivalent (1:1 peg)

Withdrawals and Transfers

  • To CARD-Y Wallet: Instant, no fee
  • To Egyptian Bank: 2 business days, no fee
  • To External Account: Timing and fees vary
  • Minimum withdrawal amounts may apply

Blockchain Risks

By using Global Accounts, you acknowledge:

  • USDC operates on Solana blockchain (decentralized)
  • Blockchain transactions are permanent and irreversible
  • Smart contract risks (bugs, exploits, failures)
  • Cryptocurrency price volatility (though USDC is stablecoin)
  • Network congestion may delay transactions
  • Blockchain record is public and permanent
  • No consumer protections for cryptocurrency transactions

Account Limitations

  • Receiving limits: None (subject to KYC level)
  • Sending limits: Varies based on verification
  • Countries served: Limited (see Bridge documentation)
  • Prohibited businesses: Money services, gambling, adult content

Account Closure

  • Users may close account at any time
  • Must withdraw all funds before closure
  • Bridge may close accounts for compliance reasons
  • Closure does not affect other CARD-Y services
  • Re-opening requires new application and KYC

Regulatory Compliance

For US Persons

  • May trigger FATCA reporting requirements
  • May require FBAR filing (foreign account >$10,000)
  • Consult tax professional for obligations

For Non-US Persons

  • Subject to local financial reporting laws
  • May need to declare foreign accounts
  • Responsible for own compliance

8. Third-Party Service Providers

Service Provider Disclosure

CARD-Y partners with regulated third parties to deliver services:

BridgeCard

  • Service: Virtual and physical card issuance
  • Role: Card provider and payment processor
  • Regulation: PCI-DSS certified
  • Data Shared: KYC information, transaction data
  • Terms: Available at bridgecard.io

Bridge (bridge.xyz)

  • Service: Global Accounts, USDC wallets, banking infrastructure
  • Role: Money services provider and cryptocurrency custodian
  • Regulation: Licensed money transmitter, FinCEN registered
  • Data Shared: KYC information, transaction history, account details
  • Terms: Available at bridge.xyz/terms

Liability Allocation (Provider Responsibility)

Each third-party provider is solely responsible for its services and compliance. Card-Y is not liable for outages, delays, errors, or data incidents caused by providers, but will use commercially reasonable efforts to:

  • Coordinate remediation with providers
  • Provide status updates to affected users
  • Transition services to alternative providers where feasible
  • Cooperate with reasonable requests for information

Service provider terms and policies are incorporated by reference. Users may need to pursue claims directly with the applicable service provider.

Service Provider Changes

CARD-Y may:

  • Change service providers with 30 days notice
  • Add new service providers as needed
  • Terminate provider relationships
  • Users continuing service after notice constitutes acceptance

Data Sharing Consent

By using CARD-Y services, you consent to:

  • Sharing KYC information with all service providers
  • Cross-border data transfers (Egypt, United States, Europe)
  • Service provider retention of your information per their policies
  • Service provider use of your data per their privacy policies

Service Disruptions

If a service provider fails or discontinues service:

  • CARD-Y will attempt to migrate to alternative provider
  • Users will be notified within 48 hours
  • Funds will be returned or transferred to alternative system
  • Service interruptions may occur during transition
  • CARD-Y is not liable for provider-caused losses

9. Account Management and Termination

Account Closure by User

Users may close accounts at any time by:

  • Withdrawing all funds from accounts and cards
  • Submitting closure request via email or app
  • Completing any pending transactions
  • Settling any outstanding fees or obligations

Upon closure:

  • Remaining balance transferred per user instructions
  • Account data retained per regulatory requirements (7 years)
  • Referral rewards forfeited if pending/unprocessed
  • Cannot re-register for 30 days

Account Closure by CARD-Y

CARD-Y may terminate accounts for:

  • Violation of these Terms of Service
  • Fraudulent or suspicious activity
  • Regulatory or compliance requirements
  • Extended inactivity (6+ months with zero balance)
  • Failure to complete KYC verification
  • User request
  • Risk management decisions

Upon termination:

  • 30 days notice provided (unless fraud/illegal activity suspected)
  • User must withdraw funds within 30 days
  • After 30 days, balance may be escheated per local law
  • CARD-Y may withhold funds subject to investigation

Dormant Accounts

Accounts with no activity for 6+ months:

  • Cards may be automatically deleted
  • Balance transferred to main wallet
  • Monthly fees cease after card deletion
  • Account remains accessible for deposits/withdrawals
  • Statement Export: Users may request transaction history/statement export before account deletion

Deceased Users

In event of user death:

  • Legal representative must provide death certificate
  • Funds distributed per applicable law and user's will
  • Account closed after fund distribution
  • No new transactions permitted after notification

Fund Recovery

If account closed with remaining balance:

  • Balance sent to last known bank account or wallet
  • Unclaimed funds held for 3 years
  • After 3 years, may be escheated to applicable government
  • User responsible for maintaining current contact information

Holds, Reversals & Set-Off

Card-Y may delay, freeze, or reverse transactions; hold funds; or debit your wallets/rewards (including via set-off) to:

  • Correct errors or system malfunctions
  • Address chargebacks, fraud, or invalid transactions
  • Conduct AML/CFT reviews or sanctions screening
  • Comply with law-enforcement or regulatory requests
  • Respond to issuer/network disputes

Chargebacks & Clawbacks

If a transaction or reward is reversed, invalid, fraudulent, or funded by error, Card-Y may claw back the amount from your Rewards Wallet or main wallet. If funds are insufficient, you authorize Card-Y to:

  • Debit a payment method on file
  • Offset against future rewards or deposits
  • Pursue collection through legal means

Negative Balances: If clawbacks result in negative balances, you agree to promptly repay the amount owed.

Prohibited Account Uses

Users may not:

  • Maintain multiple accounts
  • Transfer accounts to other persons
  • Share login credentials
  • Use accounts for illegal purposes
  • Engage in money laundering or fraud
  • Violate sanctions or embargoes
  • Use services while located in restricted jurisdictions

10. Limitation of Liability

Disclaimer of Warranties

CARD-Y services are provided "AS IS" and "AS AVAILABLE" without warranties of any kind, express or implied, including but not limited to:

  • Merchantability
  • Fitness for particular purpose
  • Non-infringement
  • Uninterrupted service
  • Error-free operation

Limitation of Liability

In no event will CARD-Y, its affiliates, or third-party service providers be liable for:

  • Direct damages
  • Indirect damages
  • Incidental damages
  • Special damages
  • Consequential damages
  • Lost profits
  • Lost data
  • Business interruption

arising from use or inability to use our services.

Maximum Liability Cap

CARD-Y's total liability to you for all claims shall not exceed the greater of:

  • $100 USD, or
  • Total fees paid by you to CARD-Y in the 12 months preceding the claim

Exceptions to Limitations

Limitations do not apply to:

  • Gross negligence or willful misconduct by CARD-Y
  • Fraud or fraudulent misrepresentation
  • Death or personal injury caused by CARD-Y
  • Liability that cannot be excluded under applicable law

Service-Specific Limitations

  • Beta features: No liability for beta-related issues; exclusive remedy is fee refund or credit (see Section 3)
  • Third-party providers: No liability for provider actions; obligation limited to commercially reasonable efforts (see Section 8)
  • Blockchain & FX: Card-Y is not liable for irreversible blockchain transactions, price slippage, network congestion, or FX rate changes
  • Provider & Network Events: Card-Y is not liable for issuer, bank, network, or processor outages beyond its reasonable control
  • Exchange rates: No liability for market rate fluctuations or spreads
  • Regulatory changes: No liability for compliance-driven service changes

Our liability is limited to the maximum extent permitted by law.

11. Indemnity

You agree to indemnify, defend, and hold CARD-Y harmless from any claims, damages, losses, liabilities, and expenses (including reasonable attorneys' fees) arising out of:

  • Your use of CARD-Y services
  • Violations of these Terms of Service
  • Violation of any law or regulation
  • Violation of third-party rights
  • Fraudulent or illegal activity
  • Any negligent or wrongful acts by you
  • Your referrals' actions (for referral program violations)
  • Tax liabilities arising from use of services

This indemnity survives termination of your account and these Terms.

12. Dispute Resolution and Arbitration

Informal Resolution

Before filing any formal dispute, you agree to contact Card-Y at [email protected] to attempt informal resolution. We will attempt to resolve disputes within 30 days of notice.

Binding Arbitration

If informal resolution fails, disputes will be resolved through binding arbitration rather than court, except for:

  • Small claims court matters (under $10,000)
  • Intellectual property disputes
  • Injunctive relief requests
  • Misuse of confidential information
  • Violations of card network or issuer rules

Either party may seek injunctive or equitable relief for misuse of IP, confidential information, or violations of network/issuer rules.

Arbitration Rules

  • Governed by American Arbitration Association (AAA) rules
  • One arbitrator mutually selected
  • Arbitration conducted in Delaware (or remotely)
  • Each party bears own costs unless arbitrator decides otherwise
  • Discovery limited to avoid excessive costs
  • Confidential process

Arbitration Limitations

  • No class or representative actions permitted
  • No joinder of multiple parties' claims
  • Arbitrator may award same relief as court
  • Award is final and binding
  • Very limited appeal rights

Class Action Waiver

YOU AND CARD-Y AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY AND NOT AS A CLASS MEMBER OR REPRESENTATIVE IN ANY CLASS, CONSOLIDATED, OR REPRESENTATIVE PROCEEDING.

Opt-Out Right

You may opt out of arbitration within 30 days of accepting these Terms by emailing [email protected] with subject "Arbitration Opt-Out" and your account information. Opting out does not affect other provisions.

Statute of Limitations

Claims must be brought within one (1) year of when the claim arose or be forever barred.

13. Governing Law and Venue

Governing Law

These Terms are governed by the laws of the State of Delaware, United States, without regard to conflict of law principles.

Venue

For any disputes not subject to arbitration:

  • Exclusive jurisdiction: Delaware state or federal courts
  • You consent to personal jurisdiction in Delaware
  • Venue is proper in New Castle County, Delaware
  • Each party waives right to jury trial

International Users

Users outside the United States agree that:

  • Disputes governed by Delaware law (not local law)
  • May need to travel to Delaware for proceedings
  • Court orders enforceable in their jurisdiction
  • No conflict of law rules apply

14. Intellectual Property

CARD-Y Intellectual Property

All content, features, and functionality are owned by CARD-Y and protected by:

  • Copyright laws
  • Trademark laws
  • Patent laws (where applicable)
  • Trade secret laws

You may not:

  • Copy, modify, or distribute CARD-Y content
  • Reverse engineer the platform
  • Use CARD-Y trademarks without permission
  • Create derivative works
  • Frame or mirror any portion of services

License to Use Services

CARD-Y grants you limited, non-exclusive, non-transferable license to:

  • Access and use services for personal use
  • Generate referral links for authorized sharing
  • Download transaction statements and tax documents

License terminates upon account closure or violation of terms.

User-Generated Content

For any content you submit to CARD-Y (reviews, feedback, referral messages):

  • You retain ownership of your content
  • You grant CARD-Y worldwide, royalty-free license to use, display, and distribute
  • License includes right to use in marketing materials
  • You represent you have rights to grant this license
  • CARD-Y may remove content at any time

Trademark Usage

"CARD-Y", "Card-Y Global Accounts", logos, and other marks are CARD-Y trademarks. Use requires written permission except:

  • Factual references in news articles
  • Nominative fair use
  • Authorized referral program materials

DMCA Copyright Notices

Copyright complaints to: [email protected] Include:

  • Identification of copyrighted work
  • Identification of infringing material
  • Contact information
  • Good faith statement
  • Statement of accuracy under penalty of perjury

15. Modifications to Terms

Right to Modify

CARD-Y reserves the right to modify these Terms at any time. We will provide notice of material changes through:

  • Email to registered address (30 days advance notice)
  • In-app notification
  • Notice on website homepage
  • Update to "Last Updated" date

Material Changes

Changes considered material include:

  • Fee increases
  • Limitation of liability changes
  • Dispute resolution modifications
  • Service availability reductions
  • New user obligations

User Options Upon Modification

Upon receiving notice of material changes, you may:

  • Accept changes by continuing to use services
  • Reject changes by closing account within 30 days
  • Account closure before effective date avoids new terms
  • No penalty for declining modified terms

Non-Material Changes

Non-material changes (clarifications, corrections) become effective immediately upon posting. Continued use constitutes acceptance.

Grandfathering

For fee increases:

  • Existing transactions use old fees until completion
  • Pending referral rewards calculated under old terms
  • Pre-paid services honored at original terms

16. General Provisions

Entire Agreement

These Terms, together with our Privacy Policy and any referenced policies, constitute the entire agreement between you and CARD-Y.

Severability

If any provision is found unenforceable, remaining provisions continue in full effect, and unenforceable provision is modified to be enforceable while preserving intent.

Waiver

Failure to enforce any provision does not waive right to enforce it later. Waivers must be in writing.

Assignment

You may not assign or transfer these Terms. CARD-Y may assign to affiliates or in connection with merger, acquisition, or sale of assets.

Force Majeure

CARD-Y is not liable for failures or delays due to circumstances beyond reasonable control: acts of God, war, terrorism, pandemics, government actions, network failures, or service provider failures.

Notices

All notices to Card-Y must be sent to:

  • Email: [email protected]
  • Mail: CARD-Y HOLDINGS INC., 254 Chapman Rd, Ste 208 #17786, Newark, DE 19702

All notices to users sent to registered email address.

Language

English version controls in case of translation conflicts.

Survival

Sections surviving termination: Fees, Limitation of Liability, Indemnity, Dispute Resolution, Intellectual Property, General Provisions.

Electronic Communications Consent

You consent to receive all notices, statements, and disclosures electronically via the app or your registered email. You may withdraw consent by closing your account, subject to settlement of obligations.

Sanctions & Export Control

You represent that you are not on any sanctions list (OFAC, EU, UK, UN) and are not located in a restricted jurisdiction. You agree not to use the services in violation of U.S., EU, U.K., or UN sanctions/export laws. Card-Y may terminate or suspend services to comply with sanctions or if your risk profile changes.

Unclaimed Property

Dormant funds may be escheated to the applicable government after required notice, in accordance with unclaimed property laws.

Questions

For questions about these Terms:

BY USING CARD-Y SERVICES, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS OF SERVICE.

Document Information:

  • Policy ID: TOS-2.0
  • Version: 2.0
  • Effective Date: November 10, 2024
  • Last Updated: October 25, 2025