Terms of Service

1. Nature of the Platform (SaaS Middleware)

AdFiCard is a SaaS Middleware Infrastructure. We provide a proprietary software interface (AdBridge) and a Neutral Core Ledger that allows professional media buyers to interface with third-party financial institutions ("Issuers") for the purpose of managing advertising expenditures.

• AdFiCard is not a bank, a credit union, or a licensed money transmitter.
• We provide the technical router that connects your digital asset liquidity to global fiat payment rails.

2. Eligibility & KYC/KYB Compliance

• Corporate Use: Our services are strictly intended for legal entities and professional individuals engaged in digital marketing.
• Verification: Use of the platform is contingent upon the successful completion of our KYC and KYB protocols. We utilize third-party AML and KYT tools to monitor incoming digital assets.
• Right to Refuse: AdFiCard reserves the unilateral right to deny service or freeze accounts based on risk assessment, jurisdiction restrictions, or suspicious activity.

3. AdBridge Wallet & Funding Mechanism

• Digital Asset Deposits: AdFiCard accepts stablecoins, primarily USDT and USDC, as payment for service credits.
• Conversion & Service Rates: Deposits are converted into platform credits based on the prevailing service rate displayed on the dashboard, for example 1 USDT = 0.97 USD. This rate accounts for liquidity depth, exchange costs, and operational insurance.
• AdFi Buffer First Model: All funds are first received by the BVI entity for compliance review before being forwarded to operational card rails.

4. Just-In-Time (JIT) Funding Technology

You acknowledge that AdFiCard utilizes Just-In-Time funding technology:

• Zero-Balance Issuance: Virtual cards may be issued with a $0.00 nominal balance.
• Dynamic Allocation: Funds are dynamically pulled from your available balance and allocated to a specific card only at the exact millisecond a valid authorization request is received from a merchant such as Facebook or Google.
• Liquidity Freedom: This mechanism ensures your capital is not trapped in individual cards and remains available in your central vault until spent.

5. Multi-Router Infrastructure & Issuers

AdFiCard operates a Multi-Router architecture, connecting you to various Tier-1 banking rails.

• Issuer Anonymity: To protect the proprietary nature of our infrastructure, AdFiCard may not disclose the specific identity of upstream issuers.
• Platform Availability: We reserve the right to route your transactions through different issuers, including US-based or EU-based rails, to ensure maximum uptime and BIN health.

6. Acceptable Use & "Burn-and-Run" Policy

The platform shall not be used for:

• Fraudulent Activity: Utilizing cards for any purchase other than legitimate advertising spend or SaaS subscriptions.
• Intentional Non-Payment: We strictly prohibit burn-and-run strategies that create ad spend debt without sufficient balance to cover eventual settlement.
• BIN Damage: Any activity that intentionally triggers high decline rates which may damage the reputation of our BIN pool.

Penalty: AdFiCard reserves the right to seize any remaining balance and charge a penalty of up to $500 per card for intentional policy violations.

7. Fees, Charges & Refunds

• Issuance Fees: Non-refundable once a card is generated.
• Top-up / Load Fees: Percentage-based fees are deducted at the point of funding or at the point of transaction authorization depending on the selected card rail.
• Refund Policy: Undisputed funds in your available balance may be withdrawn back to your original source wallet, subject to a withdrawal processing fee and a standard 48-hour cooling-off period.

8. Limitation of Liability & Disclaimers

• Ad Account Acceptance: AdFiCard does not guarantee that any specific advertising platform, including Meta, Google, or TikTok, will accept our cards at all times.
• Upstream Failures: We are not liable for service interruptions caused by third-party issuers, blockchain network congestion, or internet backbone failures.
• Maximum Indemnity: Our total liability for any claim shall not exceed the total service fees paid by you to AdFiCard in the one month preceding the event.

9. Intellectual Property

The Neutral Core architecture, the Adapter Layer, and all software code associated with AdFiCard are the exclusive intellectual property of ADFI GLOBAL LTD. No license is granted to reverse-engineer or replicate the system.

10. Governing Law & Arbitration

• BVI Law: These Terms are governed by the laws of the British Virgin Islands.
• Dispute Resolution: Any dispute shall be settled by final and binding arbitration in the British Virgin Islands, or another jurisdiction solely at the discretion of AdFiCard.

11. Contact & Support

• Operational Hub: Wyoming, USA.
• Support Email: support@adficard.com
• Official Telegram: @adfi_ceo