Terms of Service

These Terms of Service (“Terms”) govern your access to and use of the Dollars Cards platform, website, mobile applications, virtual card products and related services (the “Services”). By creating an account or using the Services, you agree to be bound by these Terms.

1. Eligibility

You must be at least 18 years old, legally capable of entering a binding contract, and not subject to sanctions or resident in a restricted jurisdiction. Business accounts require an authorised representative.

2. Account registration

You agree to provide accurate, current and complete information during registration and to keep it up to date. You are responsible for safeguarding your credentials and for all activity under your account.

3. Identity verification (KYC)

Dollars Cards may collect and verify identity information, government-issued identification, selfie verification and proof of address as described in our KYC Policy. Access to certain features is restricted until verification is completed successfully.

4. Virtual card services

We issue virtual USD cards on the Visa and Mastercard networks through our card issuer partners. Cards are non-physical, non-transferable and intended for the account holder’s personal or business use as permitted by these Terms.

5. Wallet services

We provide USD and NGN wallet balances that reflect funds available for card funding, conversion and withdrawal. Wallets are not deposit accounts and are not covered by any deposit insurance scheme.

6. Currency conversion

Conversion between USD and NGN uses our published platform rate, set and maintained by Dollar cards. The applicable rate is shown before you confirm any conversion.

7. Fees and charges

All fees are described in the Fee Schedule. We may update fees with prior notice. Continued use of the Services after the effective date constitutes acceptance of the new fees.

8. User responsibilities

• Provide truthful information and maintain the security of your account.
• Use the Services only for lawful purposes.
• Notify us immediately of unauthorised access, lost credentials, or suspected fraud.

9. Prohibited activities

You may not use the Services for any activity listed in the Acceptable Use Policy, including fraud, money laundering, sanctions evasion, and other unlawful conduct.

10. Fraud prevention

We operate automated and manual monitoring to detect suspicious activity. We may block transactions, freeze cards, request additional information, or suspend accounts to protect users and the platform.

11. Card suspension or termination

We may suspend, freeze, terminate or refuse to reissue a card at any time where we reasonably believe it is necessary to comply with law, protect users, or address risk.

12. Refunds

Refunds are governed by our Refund & Dispute Policy. Certain fees are non-refundable, including issued card fees and completed conversion fees.

13. Chargebacks

Disputed transactions are handled through the applicable card network process. You agree to cooperate with our investigation, provide supporting information, and accept the network’s final determination.

14. Limitation of liability

To the maximum extent permitted by law, Dollars Cards is not liable for indirect, incidental, consequential or punitive damages, or for lost profits, revenue or data arising out of your use of the Services.

15. Intellectual property

The Dollars Cards name, logos, product designs and software are owned by us or our licensors. You receive a limited, non-exclusive, revocable licence to use them solely to access the Services.

16. Governing law

These Terms are governed by the laws of the Federal Republic of Nigeria. Disputes shall be resolved in the competent courts of Lagos, Nigeria, without prejudice to any mandatory consumer protections.

17. Changes to these Terms

We may update these Terms from time to time. Where changes are material, we will notify you and, where required, ask you to accept the updated version before continuing to use the Services.

18. Contact

Questions about these Terms should be sent to legal@dollarscards.com.