Last updated: 2026 · By using AdFiCard Services, you acknowledge these material risks.
This Risk Disclosure Statement describes material risks associated with using AdFiCard. By applying for access, funding an account, requesting cards, or using the Services, you acknowledge these risks and agree that use of the Services is at your own commercial risk.
— Supported digital assets are not legal tender, may be subject to volatility, may lose value, and may be affected by market disruption, de-pegging, liquidity events, protocol issues, exchange issues, or regulatory action.
— Blockchain transactions are generally irreversible. Errors such as sending funds to an incorrect address, using an unsupported network, or submitting inaccurate transaction information may result in loss or delay.
— Network congestion, smart contract events, chain reorganizations, bridge failures, wallet compromises, or external infrastructure failures may disrupt funding or settlement timing.
— Funds may remain pending while undergoing technical, operational, compliance, settlement, or partner review before becoming usable within the Services or before being made available to supported payment systems. You should not assume immediate availability or immediate settlement.
— Service rates, spreads, pricing, fees, and processing times may change from time to time due to liquidity conditions, partner requirements, security concerns, regulatory concerns, or operational constraints.
— Refunds, releases, withdrawals, or balance availability may be delayed by holds, unsettled transactions, partner processing, risk review, dispute handling, compliance review, partner cut-off times, or other control processes.
— AdFiCard depends on third-party service providers, including card partners, payment partners, infrastructure vendors, cloud providers, communication providers, and compliance vendors.
— Any of those third parties may experience downtime, maintenance, policy changes, rate limits, technical failures, acceptance changes, service withdrawal, or enforcement actions.
— We may change, limit, or replace service providers or payment rails from time to time, including without prior notice where reasonably necessary, and those changes may affect card behavior, settlement flow, fees, limits, or service availability.
— We do not control the acceptance policies, risk decisions, internal review systems, account health models, or commercial rules of Google, Meta, TikTok, LinkedIn, SaaS merchants, or other third-party merchants.
— A card may be declined or a merchant account may be limited, reviewed, suspended, or banned for reasons outside our control. Use of AdFiCard does not guarantee merchant acceptance or platform account stability.
— BIN behavior, region settings, merchant descriptors, category controls, or partner policies may affect acceptance or performance.
— We may apply holds, declines, refund delays, account restrictions, or service termination where our compliance or risk systems detect elevated risk, incomplete information, partner concern, prohibited activity, or unresolved obligations.
— Regulatory changes, sanctions developments, partner policy changes, or jurisdictional restrictions may require us to limit or discontinue some features, users, industries, or geographies.
— If your credentials, devices, email accounts, or internal systems are compromised, an unauthorized party may gain access to your account or request actions in your name. You are responsible for your own internal approvals, access segregation, and device security.
— Even with controls in place, no platform can eliminate all cybersecurity, insider, fraud, or operational risk.
— You are responsible for your own internal access controls, device security, and user permissions.
AdFiCard does not provide legal, tax, accounting, investment, or financial advice. You should obtain independent professional advice regarding the use of digital assets, virtual cards, advertising payments, and cross-border business operations in your own jurisdiction.
Your use of the Services is also subject to the Terms of Service and any commercial agreements with us. Those documents may further describe disclaimers, responsibilities, and limitations of liability.