Terms of Agreement

⚠️ Risk Warning and Disclaimer – Crypto Credit Card

At Tpay, we are committed to safeguarding the privacy of our credit card users and take data protection seriously. This Privacy Notice is designed to explain how Tpay collects, uses, and protects your personal data as a credit card user. Please read this Privacy Notice carefully to understand how we process your information.

Personal Data We Collect

We may collect various types of personal data from credit card users, including but not limited to:

• Contact information (such as name, email address, phone number).
• Financial information (such as credit card details, transaction history).
• Identity verification data (such as government-issued ID, passport, or driver's license).
• Usage data (information about your interactions with our services).
• Location data (information about your physical location, if you allow us to collect it).

How We Use Your Personal Data

We use your personal data for various purposes, including:

• Providing and managing the Tpay Crypto Credit Card Service.
• Verifying your identity to comply with legal and regulatory requirements.
• Processing transactions and managing your credit card account.
• Communicating with you about your account and our services.
• Analyzing and improving our services, including market research and trend analysis.
• Complying with legal and regulatory obligations.

Sharing Your Personal Data

We may share your personal data with:

• Third-party service providers who assist us in providing and managing the Tpay Crypto Credit Card Service.
• Regulatory authorities and law enforcement agencies as required by applicable laws and regulations.
• Other entities within the Tpay ecosystem for the purposes mentioned in this Privacy Notice.

Security Measures

We take security seriously and employ industry-standard measures to protect your personal data from unauthorized access, disclosure, alteration, and destruction. However, no method of transmission or storage is completely secure, and we cannot guarantee absolute security.

Retention of Your Personal Data

We will retain your personal data for as long as necessary to fulfill the purposes outlined in this Privacy Notice, unless a longer retention period is required or permitted by law.

Your Rights

As a credit card user, you have certain rights regarding your personal data. These rights may include:

• Accessing and obtaining a copy of your personal data.
• Correcting inaccuracies in your personal data.
• Deleting your personal data under certain circumstances.
• Restricting or objecting to the processing of your personal data.
• Data portability in some cases.

To exercise your rights or if you have questions about your personal data, please contact our Customer Support team.

Changes to this Privacy Notice

We may update this Privacy Notice from time to time to reflect changes in our practices or for other operational, legal, or regulatory reasons. The revised Privacy Notice will be effective as of the date posted on our website.

Contact Us

If you have any questions or concerns about this Privacy Notice or our data practices, please contact our Data Protection Officer at [insert contact information].

Consent

By using the Tpay Crypto Credit Card Service, you consent to the collection, use, and sharing of your personal data as described in this Privacy Notice. If you do not agree with our practices, please do not use our services.

Governing Law

This Privacy Notice is governed by the laws of [Hong Kong].

📕 General Risk Warning

A. How to Interpret this Risk Warning

All terms used in this notice, which are defined in the Tpay Terms of Use (the “Terms of Use”), have the same meaning and construction as in the Terms of Use.

B. Tpay Services

This notice provides you with information about the risks associated with Tpay Services. Each Tpay Service has its own distinct risks. This notice provides a general description of the risks when you use Tpay Services.

This notice does not explain all of the risks or how such risks relate to your personal circumstances. It is important that you fully understand the risks involved before making a decision to use Tpay Services.

C. No Personal Advice

We do not provide personal advice in relation to our products or services. We sometimes provide factual information, information about transaction procedures, and information about potential risks. However, any decision to use our products or services is made by you. No communication or information provided to you by Tpay is intended as, or shall be considered or construed as, investment advice, financial advice, trading advice, or any other sort of advice. You are solely responsible for determining whether any investment, investment strategy, or related transaction is appropriate for you according to your personal investment objectives, financial circumstances, and risk tolerance.

D. No Monitoring

Tpay is not your broker, intermediary, agent, or advisor and has no fiduciary relationship or obligation to you in connection with any trades or other decisions or activities undertaken by you using Tpay Services. We do not monitor whether your use of Tpay Services is consistent with your financial goals and objectives. It is up to you to assess whether your financial resources are adequate for your financial activity with us, and to your risk appetite in the products and services you use.

E. No Tax, Regulatory, or Legal Advice

The taxation of Digital Assets is uncertain, and you are responsible for determining what taxes you might be liable for and how they apply when transacting through Tpay Services. It is your responsibility to report and pay any taxes that may arise from transacting on Tpay Services, and you acknowledge that Tpay does not provide legal or tax advice relative to these transactions. If you have any doubts about your tax status or obligations when using Tpay Services, or with respect to the Digital Assets held to the credit of your Tpay account, you may wish to seek independent advice.

You acknowledge that, when, where, and as required by applicable legislation, Tpay shall report information regarding your transactions, transfers, distributions, or payments to tax or other public authorities. Similarly, when, where, and as required by applicable law, Tpay shall withhold taxes related to your transactions, transfers, distributions, or payments. Applicable legislation could also prompt Tpay to request you for additional tax information, status, certificates, or documentation. You acknowledge that failure to answer these requests within the timeframe defined may result in withholding taxes by Tpay, to be remitted to tax authorities as defined by relevant law. You are encouraged to seek professional and personal tax advice regarding the above and before making any digital asset transaction.

F. Market Risks

Digital Asset trading is subject to high market risk and price volatility. Changes in value may be significant and may occur rapidly and without warning. Past performance is not a reliable indicator of future performance. The value of an investment and any returns can go down as well as up, and you may not get back the amount you had invested.

G. Liquidity Risk

Digital Assets may have limited liquidity which may make it difficult or impossible for you to sell or exit a position when you wish to do so. This may occur at any time, including at times of rapid price movements.

H. Fees & Charges

Our fees and charges are set out here. Tpay may, in its discretion, update the fees & charges from time to time. Please be aware of all costs and charges that apply to you, as such costs and charges will affect the gains you generate from using Tpay Services.

I. Availability Risk

We do not guarantee that Tpay Services will be available at any particular time or that Tpay Services will not be subject to unplanned service outages or network congestion. It may not be possible for you to buy, sell, store, transfer, send, or receive Digital Assets when you wish to do so.

Note: The above risks are provided as a general warning, and it is essential to consider your individual financial situation and risk tolerance before engaging in any Digital Asset transactions. Digital Asset markets can be highly unpredictable, and potential losses can be substantial.

Please consult with financial advisors and tax professionals as needed before making investment decisions involving Digital Assets.

J. Third-Party Risk

Third parties, such as payment providers, custodians, and banking partners, may be involved in the provision of Tpay Services. You may be subject to the terms & conditions of these third parties, and Tpay may not be responsible for any loss that these third parties may cause to you.

K. Security Risk

It is not possible for Tpay to eliminate all security risks. You are responsible for keeping your Tpay Account password safe, and you may be responsible for all the transactions under your Tpay Account, whether you authorized them or not. Transactions in Digital Assets may be irreversible, and losses due to fraudulent or unauthorized transactions may not be recoverable.

L. Risks Related to Digital Assets

Given the nature of Digital Assets and their underlying technologies, there are a number of intrinsic risks, including but not limited to:

• Faults, defects, hacks, exploits, errors, protocol failures, or unforeseen circumstances occurring concerning a Digital Asset or the technologies or economic systems on which the Digital Asset relies.
• Transactions in Digital Assets being irreversible, resulting in losses due to fraudulent or accidental transactions that may not be recoverable.
• Technological development leading to the obsolescence of a Digital Asset.
• Delays causing transactions not to be settled on the scheduled delivery date.
• Attacks on the protocol or technologies on which a Digital Asset depends, including, but not limited to, distributed denial of service attacks, sybil attacks, phishing, social engineering, hacking, smurfing, malware, double spending, majority-mining, consensus-based or other mining attacks, misinformation campaigns, forks, and spoofing.

M. Monitoring Risks

Digital Asset markets are open 24 hours a day, 7 days a week. Rapid price changes may occur at any time, including outside of normal business hours.

N. Communication Risks

When you communicate with us via electronic communication, you should be aware that electronic communications can fail, can be delayed, may not be secure, and/or may not reach the intended destination.

O. Currency

Currency exchange fluctuations will impact your gains and losses.

P. Legal Risk

Changes in laws and regulations may materially affect the value of Digital Assets. This risk is unpredictable and may vary from market to market.

Disclaimer: The information provided in this risk warning is for informational purposes only and does not constitute financial or investment advice. Tpay does not endorse or guarantee the accuracy of information provided. All users should conduct their research and seek professional financial advice before engaging in Digital Asset transactions. Tpay shall not be liable for any financial losses incurred as a result of using Tpay Services.

📃 Legal & Regulatory Information

United States 🇺🇸

Notice of USA PATRIOT Act: To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions and their third parties to obtain, verify, and record information that identifies each person who obtains a Card. What this means for you: What you apply for a Card, we will ask for your name, address, date of birth, social security number or country identification number, and other information that will allow us to identify you. We also may ask to see your drivers’ license or other documentation bearing your photo as verification of your identity.

Disclaimer: BY USING THIS CARD YOU AGREE TO THE TERMS AND CONDITIONS OF THE CARDHOLDER AGREEMENT AND FEE SCHEDULE, IF ANY. Tpay Master Card is issued by Community Federal Savings Bank (Member FDIC) pursuant to a license from Master U.S.A Inc.

NOTICE TO POTENTIAL USERS OF DIGITAL OR VIRTUAL CURRENCIES, INCLUDING BUT NOT LIMITED TO TON, SHOULD BE FOREWARNED OF A POSSIBLE FINANCIAL LOSS AT THE TIME THAT SUCH CURRENCIES ARE EXCHANGED FOR FIAT CURRENCY DUE TO AN UNFAVORABLE EXCHANGE RATE. A FAVORABLE EXCHANGE RATE AT THE TIME OF EXCHANGE CAN RESULT IN A TAX LIABILITY.

Hong Kong 🇭🇰

The purpose of this website is solely to display information regarding the products and services available on the Tpay.world App. It is not intended to offer access to any of such products and services. You may obtain access to such products and services on the Tpay.world App.Please note that the availability of the products and services on the Tapy.world App is subject to jurisdictional limitations.
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Tpay.world Master Card is issued and distributed by Payment Asia Ltd. that holds a Money Service Operator (MSO) Licence approved by the FSC , which allows it to provide e-money issuance services, account issuance services, cross border and domestic money transfer services. Where Payment Asia Ltd. issues e-money to non-Hong Kong residents, please note that this does not mean you will be able to recover all the money you paid to Payment Asia Ltd. if Payment Asia Ltd’s business fails.
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For any issues with the Tpay credit card, you may email us at: contact@Tpay.world or contact us at 123-456-7890.