Last updated: 2026 · Governing law: British Virgin Islands · Contact: support@adficard.com
AdFiCard is a business-focused software platform that helps approved users manage virtual cards, balances, transaction visibility, and related payment workflows for lawful business spending.
AdFiCard is not a bank, deposit-taking institution, card network, fiduciary, or licensed money transmitter. We provide software and related operational interfaces, and some card, payment, settlement, or funding functionality may depend on third-party regulated partners, service providers, or infrastructure where available.
— The Services are intended for lawful business use by approved companies, agencies, and authorized professional users.
— You must provide accurate information, maintain proper authority to act for your business, and use the Services only for legitimate commercial purposes.
— You are responsible for protecting account credentials, enabling security measures requested by us, and restricting account access to authorized persons only.
— Access to some or all features may require completion of identity, business, source-of-funds, source-of-wealth, or other verification steps requested by us or our partners.
— We may request additional information at onboarding or at any later time for compliance, security, risk management, or operational purposes.
— We may delay, restrict, reject, suspend, or terminate access where information is incomplete, inconsistent, high-risk, prohibited, or otherwise unacceptable to us.
— We may accept supported digital assets or other supported funding methods from time to time.
— AdFi Buffer First model: all funds are first received by us and may be reviewed for compliance, risk, and operational suitability before being made available within the Services or transferred to supported operational payment systems.
— Any displayed rate, spread, fee, or conversion metric shown on the platform forms part of the service pricing and may reflect liquidity cost, operational cost, compliance cost, or other service-related factors.
— Balances or service credits shown on the platform are not bank deposits, do not earn interest, and are not insured by any government deposit insurance scheme.
— Virtual cards may be issued, maintained, limited, suspended, or closed subject to our internal rules, partner availability, technical constraints, compliance requirements, and the policies of applicable third-party partners.
— We may use one or more payment rails, issuers, processors, or service partners, and we may change, limit, or replace them from time to time in order to maintain service continuity, compliance, security, or risk control.
— Card credentials and balances must be used only for lawful business spending. Merchant acceptance, transaction approval, or platform compatibility is never guaranteed.
— Applicable fees may include issuance fees, usage fees, load or transfer fees, conversion-related pricing, refund processing fees, partner pass-through fees, or other fees disclosed on the platform or in a commercial schedule.
— Card issuance or setup fees are generally non-refundable once the relevant request has been processed or the card has been generated.
— Any request to return undisputed available balance may be subject to identity verification, pending transaction review, settlement finality, hold periods, compliance review, same-source return requirements, offset of unpaid obligations, and operational processing fees where permitted by law, policy, or partner rules.
— You must not use the Services for unlawful, deceptive, fraudulent, sanctioned, misleading, abusive, or prohibited activity.
— You must not use the Services to evade platform rules, disguise the nature of transactions, route funds for unauthorized third parties, or engage in activity that may damage card acceptance, partner relationships, or service integrity.
— You must not attempt to reverse engineer, disrupt, overload, scrape, misuse, or bypass the platform, its controls, or its security mechanisms.
— You remain responsible for all actions taken through your account, by your authorized users, and by anyone who gains access through your systems or credentials.
— We may place holds, restrict balances, refuse transactions, suspend cards, suspend accounts, or terminate the relationship at any time if we reasonably believe this is necessary for compliance, fraud prevention, sanctions screening, security, partner requirements, operational integrity, debt recovery, dispute handling, or risk control.
— Suspension or termination does not remove your responsibility for fees, negative balances, chargebacks, reversals, losses, misuse, or other amounts properly due to us or our partners.
— We do not control, and are not responsible for, the rules, decisions, risk scoring, acceptance logic, account status, or commercial behavior of Meta, Google, TikTok, LinkedIn, software vendors, advertising platforms, or other merchants.
— A merchant rejection, account review, suspension, limitation, or ban by a third party does not by itself mean that AdFiCard failed to provide its Services.
All platform content, software, workflows, documentation, trademarks, design elements, and related intellectual property used in connection with AdFiCard remain the property of AdFiCard or its licensors.
Except as expressly permitted by law or by us in writing, you may not copy, resell, sublicense, reproduce, reverse engineer, decompile, extract, or create derivative works from the Services.
The Services are provided on an "as available" and "as is" basis to the maximum extent permitted by applicable law. We do not guarantee uninterrupted availability, universal card acceptance, continuous partner availability, specific processing times, merchant compatibility, or error-free performance.
We may update, limit, replace, suspend, or discontinue features, integrations, supported assets, operational methods, or access in particular jurisdictions, industries, or use cases from time to time.
To the maximum extent permitted by applicable law, AdFiCard shall not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages, including lost profits, lost business, lost advertising value, reputational loss, merchant decisions, partner actions, compliance holds, or losses caused by blockchain errors or external infrastructure outside our reasonable control.
To the maximum extent permitted by applicable law, our aggregate liability arising out of or relating to the Services shall not exceed the total service fees paid by you to AdFiCard during the three months immediately preceding the event giving rise to the claim. Nothing in these Terms excludes liability that cannot lawfully be excluded.
We may update these Terms from time to time. The updated version will become effective when posted, unless we specify a later effective date. Your continued use of the Services after the effective date of updated Terms constitutes acceptance of the updated Terms.
These Terms are governed by the laws of the British Virgin Islands, without regard to conflict of laws principles, except where mandatory law requires otherwise.
Any dispute arising out of or relating to these Terms or the Services shall be resolved by binding arbitration in the British Virgin Islands, unless we agree otherwise in writing or mandatory law requires a different forum.
For legal, support, or service questions regarding these Terms, please contact support@adficard.com.