![[FBM] CARDS](img/logo.png){kind=logo}
1. General
1.1. These terms govern the use of the [FBM] CARDS service (the "Service").
1.2. [FBM] CARDS provides virtual cards for advertising payments, e-commerce expenses, and online services. The Service is not a bank and does not issue cards directly — card issuance is handled through partner payment providers.
1.3. By registering and using the Service, you agree to these terms in full.
2. Registration and Access
2.1. Access requires submitting an application through the website and passing moderation.
2.2. The Service is intended for business use only. Users must be at least 18 years old.
2.3. Users are responsible for the security of their login credentials, password, and 2FA codes. Sharing account access with third parties is prohibited.
2.4. If unauthorized access to the account is suspected, the user must immediately contact their account manager.
3. Pricing
3.1. Current pricing, card costs, and applicable fees are listed on the website and in the user dashboard.
3.2. Pricing may change with at least 14 days' prior notice to users.
4. Balance Top-Up
4.1. Top-ups are processed in USDT and operate automatically 24/7.
4.2. Funds are credited within 1 minute of receipt.
4.3. For automatic processing, users must send the EXACT amount specified when creating the top-up request.
4.4. In case of amount mismatch, funds are credited manually. Transaction proof will be required. Manual processing may take up to 24 hours.
5. Service Rules
5.1. Decline rate must not exceed 15% per month. If exceeded, the user is given 10 days to resolve the situation.
5.2. Prohibited: topping up [FBM] CARDS balance using unsafe payment methods, darknet platforms, mixers (Tornado Cash and similar), sanctioned exchanges (Garantex and similar), or other unauthorized platforms.
5.3. Prohibited: using cards to pay questionable or unsafe merchants.
5.4. Prohibited: using cards for first billing of advertising accounts, or otherwise misusing the Service in bad faith.
6. Consequences of Violations
6.1. Violation of Section 5.1 (decline rate exceeded): forced withdrawal of funds to the user's wallet with a 3% fee.
6.2. Violation of Sections 5.2–5.4: full account suspension with no option to withdraw funds.
6.3. The Service reserves the right to suspend any account at any time upon reasonable suspicion of fraud, legal violations, or at the request of a payment provider or regulator.
7. Limitation of Liability
7.1. The Service is not liable for:
- transaction declines by Visa, Mastercard, or merchants;
- delays caused by payment providers;
- losses related to suspension of advertising accounts or other third-party accounts;
- user actions that violate these terms.
7.2. The Service's maximum liability to any user is limited to the balance held in the user's account at the time of the claim.
8. Changes to Terms
8.1. The Service may update these terms with at least 14 days' notice via email or the user dashboard.
8.2. Continued use of the Service after changes take effect constitutes acceptance of the updated terms.
9. Contact
For all inquiries: Telegram