1. Acceptance of Terms

By accessing or using the Prem Cards platform, you agree to be bound by these Terms of Service. If you do not agree, you may not use the Service.

2. Description of Service

Prem Cards provides a marketplace for authorized prepaid and virtual USD cards. We facilitate the purchase of digital card products through cryptocurrency payments. All card products are sourced from licensed partners and comply with applicable regulations.

3. User Obligations

You agree to provide accurate and complete registration information and to keep your account credentials confidential. You are responsible for all activity under your account. You must be at least 18 years of age to use this Service.

4. Payment Terms

All transactions are processed in cryptocurrency as selected at checkout. Payment is due at the time of purchase and must be received within the designated payment window. Prices are listed in USD equivalent and are subject to change based on market conditions.

5. Delivery and Fulfillment

Digital card details are delivered through your account dashboard upon payment confirmation. Delivery times may vary depending on blockchain confirmation speeds. Prem Cards is not responsible for delays caused by third-party networks.

6. Refund and Cancellation Policy

All sales are final once the digital card has been delivered. Cancellation requests made before delivery may be honored at our discretion. Refunds are processed in the original cryptocurrency at the exchange rate on the date of refund.

7. Prohibited Activities

You may not use the Service for any unlawful purpose, including money laundering, fraud, or the purchase of prohibited goods. We reserve the right to suspend or terminate accounts that violate these terms.

8. Limitation of Liability

Prem Cards shall not be liable for any indirect, incidental, or consequential damages arising from the use or inability to use the Service. Our total liability is limited to the amount paid for the specific transaction giving rise to the claim.

9. Governing Law

These Terms shall be governed by the laws of the jurisdiction in which Prem Cards operates. Any disputes shall be resolved through binding arbitration in accordance with the rules of the applicable arbitration association.

10. Changes to Terms

We reserve the right to modify these Terms at any time. Changes will be posted on this page with an updated effective date. Continued use of the Service after changes constitutes acceptance of the revised Terms.