Terms & Conditions

1. Acceptance of Terms

These Terms and Conditions ("Terms") constitute a legally binding agreement between you ("User," "you," or "your") and SollCard ("Company," "we," "our," or "us") regarding your use of our elite crypto card services, website, mobile applications, and related services (collectively, the "Services").

By accessing, using, or registering for our Services, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree to these Terms, you must not use our Services.

2. Definitions

For the purposes of these Terms, the following definitions apply:

• "Account" means your SollCard account that provides access to our Services
• "Card" means the physical or virtual payment card issued by SollCard
• "Cryptocurrency" means digital currencies supported by our platform
• "KYC" means Know Your Customer verification procedures
• "AML" means Anti-Money Laundering compliance procedures
• "Platform" means our website, mobile applications, and related systems
• "Services" means all services provided by SollCard as described in these Terms
• "User Content" means any content you provide through our Services

3. Description of Services

SollCard provides elite crypto card services designed for high-net-worth individuals and crypto investors. Our Services include:

3.1 Core Services

• Cryptocurrency-to-fiat conversion and payment processing
• Physical and virtual payment card issuance and management
• Multi-currency wallet and transaction management
• Real-time balance monitoring and transaction history
• Global payment network access and merchant acceptance

3.2 Premium Services

• Concierge services for Gold and Black tier members
• Dedicated account management for Black tier members
• Priority customer support and technical assistance
• Advanced analytics and reporting tools
• Custom solutions and enterprise services

3.3 Service Availability

We strive to maintain 99.9% uptime for our Services, but we do not guarantee uninterrupted access. We may temporarily suspend Services for maintenance, updates, or security reasons.

4. Eligibility and Account Requirements

To use our Services, you must meet the following eligibility requirements:

4.1 Age and Legal Capacity

• Be at least 18 years of age (or the age of majority in your jurisdiction)
• Have the legal capacity to enter into binding agreements
• Not be prohibited from using our Services under applicable law

4.2 Financial Requirements

• Meet minimum income and asset requirements as specified in our membership tiers
• Provide verifiable source of funds documentation
• Demonstrate sufficient cryptocurrency holdings for your chosen tier

4.3 Identity Verification

• Complete comprehensive KYC verification procedures
• Provide government-issued identification documents
• Submit proof of address and financial documentation
• Pass enhanced due diligence and risk assessment

4.4 Geographic Restrictions

Our Services are available in select jurisdictions. We reserve the right to restrict access based on regulatory requirements and risk assessment.

5. User Obligations and Restrictions

As a user of our Services, you agree to:

5.1 Compliance Obligations

• Comply with all applicable laws and regulations
• Use Services only for lawful purposes
• Maintain accurate and up-to-date account information
• Report any suspicious or unauthorized activity immediately

5.2 Prohibited Activities

You are strictly prohibited from:

• Using Services for money laundering, terrorist financing, or other illegal activities
• Providing false, misleading, or fraudulent information
• Attempting to circumvent security measures or access controls
• Interfering with or disrupting our Services or systems
• Reverse engineering, copying, or modifying our software
• Using automated systems to access our Services without permission
• Violating any intellectual property rights

5.3 Account Security

• Maintain the confidentiality of your account credentials
• Use strong passwords and enable two-factor authentication
• Notify us immediately of any unauthorized access
• Be responsible for all activities under your account

6. Fees and Payments

Our Services are subject to various fees as outlined in our pricing structure:

6.1 Membership Fees

• Basic Tier: $299 per month + $99 setup fee
• Gold Tier: $799 per month + $199 setup fee
• Black Tier: $1,999 per month + $499 setup fee

6.2 Transaction Fees

• Basic Tier: 2.5% per transaction
• Gold Tier: 1.5% per transaction
• Black Tier: 0.5% per transaction

6.3 Additional Fees

• ATM withdrawal fees (varies by location and tier)
• Currency conversion fees for non-supported currencies
• Expedited card replacement fees
• Account closure fees (if applicable)

6.4 Payment Terms

• Membership fees are billed monthly in advance
• Transaction fees are deducted from your account balance
• All fees are non-refundable unless otherwise specified
• We may change fees with 30 days' notice

7. Privacy and Security

Your privacy and security are paramount to us. Please review our Privacy Policy for detailed information about how we collect, use, and protect your information.

7.1 Data Protection

• We implement bank-grade security measures
• All data is encrypted using AES-256 encryption
• We comply with applicable data protection regulations
• We do not sell your personal information to third parties

7.2 Security Measures

• Multi-factor authentication for account access
• Real-time fraud monitoring and detection
• Regular security audits and penetration testing
• Secure data centers with 24/7 monitoring

8. Intellectual Property Rights

All content, trademarks, and intellectual property on our Platform are owned by SollCard or our licensors. You may not:

• Copy, modify, or distribute our content without permission
• Use our trademarks or logos without authorization
• Reverse engineer our software or systems
• Create derivative works based on our intellectual property

9. Service Limitations and Disclaimers

While we strive to provide excellent Services, we make the following disclaimers:

9.1 Service Availability

• Services may be temporarily unavailable due to maintenance or technical issues
• We do not guarantee uninterrupted access to our Services
• Service availability may vary by geographic location

9.2 Cryptocurrency Risks

• Cryptocurrency values are highly volatile and unpredictable
• Past performance does not guarantee future results
• You are responsible for understanding cryptocurrency risks
• We do not provide investment advice

9.3 Third-Party Services

• We may integrate with third-party services and providers
• We are not responsible for third-party service availability or performance
• Third-party terms and conditions may apply

10. Limitation of Liability

To the maximum extent permitted by law:

10.1 General Limitations

• Our total liability shall not exceed the fees paid by you in the 12 months preceding the claim
• We are not liable for indirect, incidental, or consequential damages
• We are not liable for losses due to market volatility or cryptocurrency price fluctuations

10.2 Exclusions

We exclude liability for:

• Loss of profits, data, or business opportunities
• Damages resulting from your breach of these Terms
• Damages caused by third-party actions or services
• Force majeure events beyond our control

11. Indemnification

You agree to indemnify and hold harmless SollCard, its officers, directors, employees, and agents from any claims, damages, or expenses arising from:

• Your use of our Services
• Your violation of these Terms
• Your violation of applicable laws or regulations
• Your infringement of third-party rights

12. Termination

Either party may terminate this agreement at any time:

12.1 Termination by You

• You may close your account at any time with 30 days' notice
• You must settle all outstanding fees and obligations
• We will process your final transactions and return remaining funds

12.2 Termination by Us

We may terminate your account immediately if:

• You violate these Terms or applicable laws
• You provide false or misleading information
• We suspect fraudulent or illegal activity
• We are required to do so by regulatory authorities

12.3 Effect of Termination

• Your access to Services will be immediately suspended
• We will process any pending transactions
• You must return any physical cards to us
• Certain provisions of these Terms will survive termination

13. Governing Law and Disputes

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

13.1 Dispute Resolution

Any disputes arising from these Terms or our Services shall be resolved through:

• Good faith negotiations between the parties
• Binding arbitration under the rules of the American Arbitration Association
• Arbitration shall be conducted in New York, New York

13.2 Class Action Waiver

You agree that any arbitration or legal proceeding shall be limited to the dispute between you and SollCard individually. You waive any right to participate in class action lawsuits or class-wide arbitration.

14. Modifications to Terms

We may modify these Terms from time to time. We will notify you of material changes by:

• Posting the updated Terms on our website
• Sending email notifications to registered users
• Providing notice through our mobile applications

Your continued use of our Services after any modifications constitutes acceptance of the updated Terms.

15. Contact Information

If you have any questions about these Terms, please contact us:

These Terms and Conditions are effective as of January 1, 2024, and were last updated on January 1, 2024.