BYDFi Card Terms of Use

General Terms of Use

These General Terms of Use contain general information that applies to your use of the BYDFi Card. You are encouraged to read these Terms of Use carefully. If you have any questions about the General Terms of Use, please contact our customer support.

Depending on the country where we are incorporated, the country with which your account is registered, and the BYDFi Card you wish to subscribe to, the terms “BYDFi Card,” “we,” “us,” and “our” shall mean or relate to BYDFi Fintech and/or its affiliates (referred to collectively herein as “BYDFi Card”).

For the purposes of these General Terms of Use, the following definitions apply:

• User ("you," "your"): Refers to any individual or entity that accesses, uses, or interacts with the BYDFi Website, products, or services.
• Services: Refers to any features, functionalities, digital assets, financial products, or other offerings made available by BYDFi Card through its Website or any affiliated platforms.
• Website: Refers to [www.bydfi.com/card], including all associated webpages, subdomains, and any other digital platforms operated by BYDFi.
• Account: Refers to a registered user profile created with BYDFi, enabling access to certain features, products, or services.

BYDFi owns any content made available on the BYDFi Card page. By accessing and using the BYDFi Card and services, you confirm that you have read, understood, and accepted these General Terms of Use and agree to comply with them. If you do not agree to any of the terms of these General Terms of Use, you must not use or stop using any BYDFi Card.

You acknowledge and accept the inherent risks associated with the use of financial services and digital transactions, including but not limited to fraud, market volatility, system disruptions, and third-party failures.BYDFi Card shall not be held liable for any direct or indirect losses, damages, or inconveniences arising from such risks, unless caused by gross negligence or willful misconduct on the part of BYDFi.

Other Applicable Terms

These Terms of Use are supplemented by:

• Privacy Policy: Covers data processing and cookie usage. Your use of our services is also subject to our Privacy Policy, which explains how we collect, use, and protect your personal data in compliance with applicable data protection laws.
• Product-Specific Terms: Additional terms may apply to specific BYDFi Card.

Amendments

BYDFi reserves the right to update these Terms at any time without prior notice. Continued use of the services implies acceptance of the revised terms.

Website Access & Availability

BYDFi does not guarantee uninterrupted access to its Website, products, or services. Availability may be affected by factors beyond our control, including but not limited to maintenance, technical issues, regulatory requirements, or security concerns.

While we strive to provide accurate and up-to-date content, BYDFi makes no representations or warranties regarding the completeness, accuracy, or reliability of any information provided on its Website. We are not liable for any errors, omissions, or outdated information.

BYDFi reserves the right to modify, suspend, or discontinue any part of its Website, products, or services at any time, with or without prior notice.

We may amend these Terms from time to time. In the event of significant changes, we will provide reasonable prior notice by posting updates on the BYDFi Website or, where possible, notifying you via email. Your continued use of the Website or Services after such amendments constitutes your acceptance of the revised Terms.

Website Access & Availability

• BYDFi does not guarantee uninterrupted availability of its website and services.
• Content may be outdated, and BYDFi Card is not liable for errors or omissions.
• BYDFi may suspend or modify its services at any time without notice.

Representations and Warranties

You represent and warrant that you will not use BYDFi Card services:

• For money laundering or financial crimes.
• In violation of trade sanctions.
• To gain unauthorized access to BYDFi's systems.
• You are not subject to any sanctions or restrictions issued by any competent authority.

Know-Your-Customer (KYC) & Anti-Money Laundering (AML)

To comply with applicable KYC (Know-Your-Customer) and AML (Anti-Money Laundering) regulations, BYDFi may require you to provide certain verification documents, including but not limited to identification, proof of address, and financial details.

You acknowledge and agree that BYDFi Card may disclose your information (whether individual or corporate) to third-party service providers for the purpose of KYC verification. These service providers are contractually obligated to maintain strict confidentiality and comply with applicable data protection laws to safeguard your information against unauthorized access or breaches. Failure to provide the required KYC/AML documents or meet verification requirements may result in restrictions, suspension, or termination of your account.

BYDFi reserves the right to share relevant information with regulatory authorities, financial institutions, or law enforcement agencies as required to comply with legal obligations.

Acceptable Use Policy

You agree not to use BYDFi Card services:

• In violation of any law or regulation.
• For fraudulent or unlawful activities.
• To upload malicious software or disrupt network traffic.
• To infringe intellectual property rights.

Force Majeure

BYDFi is not liable for service disruptions due to unforeseen events such as natural disasters, wars, government actions, or cyberattacks.

Intellectual Property Rights

All content on BYDFi Card's page is the property of BYDFi and may not be copied, republished, or distributed without consent.

Limitation of Liability

BYDFi Card is not liable for:

• Business losses, lost profits, or revenue loss.
• Data breaches due to hacking or malware.
• Service unavailability.
• Any claims exceeding the fees paid by the user in the past three months.

Indemnification

You agree to indemnify BYDFi Card against any claims, losses, damages, and expenses resulting from:

• Breach of these Terms.
• Intellectual property violations.
• Fraudulent or negligent conduct.

Account Suspension & Termination

BYDFi Card may suspend or terminate accounts for:

• Failure to provide accurate information.
• Fraudulent activities.
• Security concerns or regulatory non-compliance.
• Prolonged account inactivity.

If a breach of these Terms is identified, BYDFi reserves the right to determine, at its sole discretion, whether a violation has occurred and take appropriate action. Failure to comply may result in:

• Immediate, temporary, or permanent suspension or termination of your right to use the BYDFi Website, products, or services.
• Issuance of a formal warning.
• Legal proceedings to seek reimbursement for all costs incurred as a result of the breach, including but not limited to reasonable administrative and legal fees.
• Further legal action as deemed necessary.
• Disclosure of relevant information to law enforcement or regulatory authorities if required or deemed appropriate.

The above actions are not exhaustive, and BYDFi reserves the right to take any other measures it reasonably deems necessary to protect its interests, comply with legal obligations, or enforce these Terms.

Card Validity and Termination

The BYDFi Card is generally valid for a period of three years from the date of issuance, unless otherwise specified. The expiration date will be printed on the physical card and displayed in your account interface.

However, BYDFi reserves the right to suspend or terminate the BYDFi Card before its expiration date under the following conditions:

• The card balance is insufficient to cover applicable monthly maintenance fees for a continuous period.
• The card has not been used for any activity for a period, and is considered inactive;
• There is any breach of these Terms, suspicious activity, or a violation of applicable laws or regulations.

In such cases, BYDFi may cancel the Card without prior notice. Users are responsible for ensuring sufficient balance and active use of the Card to avoid premature termination.

Refunds & Dispute Resolution

Refund requests must be submitted within 3 working days of the original transaction and will be processed at our discretion, provided that the transaction was not used for unlawful activities or in violation of these Terms.

Chargebacks may lead to account suspension and legal action.

Disputes must first be addressed with customer support; unresolved disputes are subject to arbitration in Hong Kong.

Entire Agreement

These Terms constitute the full agreement between you and BYDFi, superseding any prior agreements or understandings.

For any inquiries, contact us at cs@bydfi.com.