Terms of Service

Effective Date: [Insert Date]
Ticardo Inc.
Website: https://ticardo.com

1. Acceptance of Terms

These Terms of Service (“Terms”) govern your use of Ticardo (“we,” “us,” or “our”), a financial technology platform that allows you to create and manage virtual payment cards, top up balances, and transact online.

By accessing or using our platform, you agree to these Terms, our Privacy Policy, and any additional terms provided to you. If you do not agree, do not use Ticardo.

2. Eligibility

To use Ticardo, you must:

Be at least 18 years old
Reside in a country where Ticardo is available
Pass our Know Your Customer (KYC) and identity verification process
Not be on any government sanctions list

3. Services Provided

Ticardo offers:

Account creation and onboarding
Identity verification via Stripe Identity or third-party providers
Creation and management of virtual debit cards
Secure top-ups via ACH, debit/credit cards, or bank transfers
Real-time transaction monitoring
Spending controls and card security settings

Note: Ticardo is not a bank. Financial services are provided in partnership with licensed providers such as Stripe, and funds are held by regulated institutions.

4. User Responsibilities

You agree to:

Provide accurate and up-to-date information during registration
Maintain the confidentiality of your login credentials
Immediately notify us of any unauthorized access or account misuse
Only use Ticardo for lawful personal or business purposes

You may not:

Use the platform for fraudulent, illegal, or harmful activity
Attempt to reverse-engineer or disrupt Ticardo’s systems
Circumvent usage limits or verification procedures

5. Fees and Charges

Certain services may include fees, such as:

Top-up processing fees
Card creation or replacement fees
Monthly maintenance or inactivity fees (where applicable)

All fees will be transparently disclosed during your use of the platform. By continuing to use Ticardo, you consent to these charges.

6. Third-Party Services

We partner with regulated third parties (e.g., Stripe, identity verification services, banks) to deliver core functionality. By using Ticardo, you also agree to the terms of those partners, which may be presented separately during onboarding.

We are not responsible for:

Delays, outages, or failures caused by third-party providers
Errors resulting from their systems or data sources

7. Termination & Suspension

We reserve the right to:

Suspend or terminate your account if you violate these Terms or fail verification
Freeze funds or restrict card activity under suspicion of fraud, abuse, or legal violation
Discontinue any part of the service at our discretion with prior notice

You may close your account at any time by contacting [email protected].

8. Intellectual Property

All content on the Ticardo website, app, and services — including branding, logos, designs, and code — is owned or licensed by Ticardo and may not be copied or reused without permission.

9. Disclaimer of Warranties

Ticardo is provided on an “as-is” and “as-available” basis. We make no warranties, express or implied, regarding:

Availability or uptime of the platform
Accuracy of information provided by third parties
Fitness for a particular purpose

You use Ticardo at your own risk.

10. Limitation of Liability

To the fullest extent permitted by law, Ticardo will not be liable for:

Indirect, incidental, or consequential damages
Loss of funds due to unauthorized activity if caused by your negligence
Errors by third-party payment processors or financial institutions

Our total liability shall not exceed the amount you have paid to use Ticardo in the past 12 months.

11. Governing Law & Dispute Resolution

These Terms are governed by the laws of the State of [Insert State], United States.

Any disputes arising out of or relating to these Terms shall be:

First resolved through informal negotiation
If unresolved, submitted to binding arbitration in [Insert Jurisdiction]

12. Changes to Terms

We may update these Terms periodically. You will be notified of any material changes via email or within the platform. Continued use of Ticardo after changes constitutes acceptance of the new Terms.

13. Contact

For questions or concerns, contact:
📧 [email protected]
🌐 https://ticardo.com