Terms & Conditions

1. Agreement

By accessing or using VirtualPay’s website and services, you agree to be bound by these Terms & Conditions and our Privacy Policy.

2. Services

VirtualPay provides virtual card creation and management (one-time and reloadable), balance funding (e.g. crypto, manual methods), and optional API access. Service availability and features may change with notice.

3. Account and eligibility

You must be at least 18 years old and provide accurate information when registering. You are responsible for maintaining the confidentiality of your account and for all activity under your account.

4. Use of cards and balance

You may use virtual cards and balance only for lawful purposes. You must not use the service for fraud, money laundering, or any illegal activity. We may freeze or close accounts that violate these terms.

5. Fees

Fees (including top-up fees, subscription, or API access) are as stated on the website and in your account. We may update fees with reasonable notice.

6. Limitation of liability

To the extent permitted by law, VirtualPay shall not be liable for indirect, incidental, or consequential damages. Our total liability is limited to the amount you paid us in the twelve months before the claim.

7. Termination

We may suspend or terminate your account for breach of these terms or for other reasons. You may close your account at any time. Upon termination, your right to use the services ceases.

8. Changes

We may update these Terms from time to time. Continued use of the services after changes constitutes acceptance. Material changes will be communicated via email or notice on the website.

9. Contact

For questions about these Terms: legal@virtualpay.example.com.