Terms and Conditions

Introduction

Welcome to Kripicard, operated by Uweb3 Management BR.

By accessing or using our platform, services, or website, you agree to comply with these Terms and Conditions ("Terms"). Please read them carefully before using our products or services.

If you do not agree with these Terms, you should not use Kripicard.

Services

Kripicard provides digital payment solutions including:

• Issuance of Visa and Mastercard virtual cards
• Crypto top-up functionality (converting digital assets into card balance)
• API services for integrated crypto-to-fiat payment flows

The platform is designed for individuals and businesses seeking secure and efficient financial tools that bridge crypto and fiat.

Eligibility

To use Kripicard services, you must:

• Be at least 18 years of age
• Have legal capacity to enter into binding agreements

We reserve the right to suspend or terminate access for users who do not meet these requirements.

Account Responsibility

You are responsible for all actions performed under your Kripicard account. You agree to maintain the confidentiality of your credentials and notify us immediately of any unauthorized activity.

Kripicard is not liable for any losses resulting from unauthorized access if you fail to protect your credentials.

Compliance and KYT

Kripicard uses KYT (Know Your Transaction) monitoring to ensure compliance with anti-fraud and anti-money laundering standards.

We may review transaction activity and block or reverse operations deemed suspicious or non-compliant with regulatory requirements.

Fees and Limits

Fees, card limits, and operational limits are disclosed during the purchase or top-up process.

We reserve the right to update pricing or limits at any time to reflect network or regulatory adjustments.

Prohibited Activities

Users may not use Kripicard services for:

• Illegal goods or services
• Money laundering, terrorism financing, or fraud
• Any action that may harm Kripicard's reputation or security

Violation of these rules may result in immediate account suspension.

Card Usage

Kripicard virtual cards are accepted globally where Visa or Mastercard are supported. Usage is subject to card issuer network rules and merchant acceptance policies.

Kripicard does not guarantee acceptance at all merchants or services.

Refunds and Disputes

Transactions made using Kripicard are generally non-refundable once authorized. In case of technical or operational errors, users may contact support at privacy@kripicard.com for manual review.

All disputes related to unauthorized charges must be reported within 10 days of occurrence.

Liability Limitation

Kripicard and Uweb3 Management BR are not liable for:

• Delays or failures caused by blockchain networks or third-party providers
• Merchant refusal, system downtime, or transaction rejections
• Freezes, holds, blocks, confiscations, chargebacks, or seizures imposed by any issuing bank, card network, acquirer, payment processor, or regulator (see "Third-Party Banking Partners & Frozen Funds" below)
• Indirect, incidental, or consequential damages resulting from service use

Your use of Kripicard is at your own risk.

Third-Party Banking Partners & Frozen Funds

Kripicard is a technology platform that facilitates the issuance of virtual cards and the conversion of digital assets into spendable card balances. Kripicard is not a bank, is not a licensed money transmitter in every jurisdiction, and does not itself hold customer fiat deposits. All card issuance, card processing, settlement, custody of fiat balances, and movement of funds are performed by independent, regulated third-party partners, including but not limited to issuing banks, Visa and Mastercard card networks, acquirers, Banking-as-a-Service (BaaS) providers, payment processors, and custodians (collectively, the "Banking Partners").

You acknowledge and agree that Banking Partners operate under their own terms, compliance programs, regulatory obligations, and risk policies, which are outside of Kripicard's control. In the course of their legal, regulatory, AML/CFT, sanctions-screening, fraud-prevention, or risk-management procedures, a Banking Partner may, at its sole discretion and without prior notice:

• Freeze, hold, restrict, suspend, block, or delay access to funds or card balances
• Reverse, decline, or cancel transactions
• Close or suspend cards or accounts
• Confiscate, seize, remit to authorities, or retain funds pursuant to legal or regulatory orders
• Request additional KYC / source-of-funds documentation before releasing balances

To the maximum extent permitted by applicable law, Kripicard and Uweb3 Management BR shall not be liable, and shall not be required to issue any refund, reimbursement, credit, or compensation, for any loss, damage, delay, unavailability, or diminution of funds, cards, or balances caused by, arising from, or attributable to any act or omission of a Banking Partner, including (without limitation) any freeze, hold, confiscation, chargeback, seizure, reversal, or closure described above. This limitation applies regardless of whether the Banking Partner's action is later determined to have been correct, justified, lawful, or in error.

Good-faith assistance. Notwithstanding the foregoing, Kripicard will use commercially reasonable efforts, at no additional charge, to assist the affected user in good faith, including by: (i) liaising with the relevant Banking Partner on the user's behalf; (ii) relaying documentation, clarifications, and source-of-funds evidence provided by the user; and (iii) following up until the matter is resolved by the Banking Partner. Such assistance is offered as a courtesy and does not constitute an admission of liability, a guarantee of recovery, or a promise of any particular outcome or timeframe. The user remains the legal counterparty of the Banking Partner with respect to the affected funds.

User cooperation and indemnity. You agree to cooperate promptly and in good faith with any information or documentation request made by Kripicard or a Banking Partner in connection with a freeze or investigation. You further agree to indemnify and hold harmless Kripicard, Uweb3 Management BR, and their respective officers, employees, and affiliates from and against any claim, demand, loss, liability, cost, or expense (including reasonable legal fees) arising out of funds frozen, withheld, or confiscated by a Banking Partner in connection with your account, transactions, or conduct.

Consumer rights. Nothing in this section is intended to limit, exclude, or waive any right, remedy, or protection that cannot be limited, excluded, or waived under the mandatory consumer or financial-services laws applicable to you. Where such mandatory protections apply, this section shall be read as limited to the maximum extent permitted by those laws.

Intellectual Property

All content, logos, and materials displayed on Kripicard.com are the property of Uweb3 Management BR and may not be copied or reused without written consent.

Suspension or Termination

We reserve the right to suspend or terminate any user account that violates these Terms or applicable laws, without prior notice.

Updates to These Terms

Kripicard may revise these Terms periodically to reflect operational or legal changes.

Any updates will be published on this page with the updated "Effective Date."

Governing Law

These Terms are governed by the laws of Brazil, without regard to conflict of law principles.

Disputes will be resolved exclusively in the competent courts of Rio de Janeiro, Brazil.