1. Card acceptance is subject to the terms of Visa, Mastercard, or UnionPay and may vary by merchant or region.

2. All card features, limits, and fees are defined by EON LABS and may be updated without prior notice.

3. Card refunds, dispute resolution, and chargebacks are governed by the policies of the issuing bank.

4. KYC is mandatory and includes a government-issued ID and selfie. Some card types may require proof of residency.

5. Cards are not available in sanctioned countries or restricted territories as defined by the issuer.

6. Applicants must be over 18 years old and legally permitted to use such financial services in their jurisdiction.

7. Conversion to fiat is performed in real-time at prevailing exchange rate.

8. Top-ups may incur network and conversion fee.

9. ZuPayFX reserves the right to modify or discontinue the investor program with prior notice.

10. ZuPayFX complies with global anti-money laundering (AML) and counter-terrorism financing (CTF) policies.

11. Users must not use cards for prohibited activities including but not limited to: fraud, gambling, dark web, or sanctioned entity transactions.

12. Any violation may lead to account suspension or permanent termination.

13. Card refunds, dispute resolution, and chargebacks are governed by the policies of the issuing bank

14. ZuPayFX is not liable for transactional issues outside of its operational scope.