📄 Terms & Conditions

Welcome to TalkCrypto . By accessing or using our website and services, including cryptocurrency payment processing and virtual card issuance, you agree to be bound by these Terms & Conditions (“Terms”).

If you do not agree with any part of these Terms, please do not use our services.

1. Eligibility

You must be at least 18 years old to use our services. By using our platform, you confirm that you are legally capable of entering into a binding agreement.

2. Our Services

We provide:

  • Crypto payment processing for merchants
  • Virtual debit cards funded by cryptocurrency
  • Merchant integrations (API, plugins)
  • Payout conversion and settlements

We reserve the right to modify or discontinue any service without notice.

3. Account Registration

To access certain services, you may be required to create an account. You agree to:

  • Provide accurate, current information
  • Keep your login credentials confidential
  • Notify us immediately of unauthorized access

We may suspend or terminate accounts suspected of fraud or misuse.

4. Payments & Settlements

  • All transactions are processed on-chain or via trusted third-party services.
  • Crypto sent to incorrect addresses is irreversible — always double-check.
  • Settlement of merchant payments may be in crypto or fiat depending on your settings.
  • You are responsible for any network fees associated with payments.

5. Virtual Cards

If you purchase or receive a virtual card:

  • You are solely responsible for its use and security.
  • Cards may be subject to KYC verification.
  • Usage is limited to permitted jurisdictions and merchants.
  • Misuse, abuse, or fraud will result in card termination.

6. Fees

We charge transaction and processing fees as displayed on our website or in your dashboard. We reserve the right to update fees at any time with prior notice.

7. Acceptable Use

You agree not to use our services for:

  • Money laundering, terrorism financing, or illegal activity
  • Transactions involving restricted goods/services (e.g. weapons, adult content, etc.)
  • Circumventing sanctions or regulatory compliance
  • High-risk services without prior approval

Violation of this section will lead to account suspension and may be reported to authorities.

8. Intellectual Property

All content, branding, and software on our platform are our intellectual property or licensed assets. You may not reproduce, copy, or exploit any part of our platform without prior written consent.

9. Limitation of Liability

We are not liable for:

  • Loss of funds due to incorrect wallet addresses
  • Downtime, bugs, or third-party system failures
  • Any indirect, incidental, or consequential damages

Your use of the platform is at your own risk.

10. Termination

We reserve the right to terminate your account or restrict access if you breach these Terms or if required by law. Upon termination, all ongoing services will be halted.

11. Changes to These Terms

We may update these Terms at any time. Changes will be posted with a new “Effective Date.” Continued use of our services constitutes your acceptance of the updated Terms.

12. Governing Law

These Terms are governed by the laws of Hongkong. Any legal disputes will be resolved in the courts of TalkCrypto.