1. INTRODUCTION & ACCEPTANCE OF TERMS
These Terms and Conditions ("Terms") constitute a legally binding agreement between you ("User", "you", "your") and Vault27 Limited, a company incorporated in Costa Rica (Company ID: 3-102-948161, "Vault27", "we", "us", "our"), governing your use of the Vault27 Card platform, including the website at vault27.pro, any associated mobile applications, and all related services (collectively, the "Service" or "Platform").
By creating an account, purchasing a card, making a deposit, using any card or wallet feature, or participating in the revenue share programme, you represent that you have read, understood, and agree to be bound by these Terms, our Privacy Policy, and our Prohibited Activities Policy, each of which is incorporated herein by reference.
Vault27 reserves the right to update, amend, or replace these Terms at any time. Where changes are material, we will notify you via the email address associated with your account or via a prominent notice on the Platform. Your continued use of the Service after any such update constitutes your acceptance of the revised Terms. It is your responsibility to review these Terms periodically.
2. DEFINITIONS
"Account" means the user account you create on the Vault27 Card Platform.
"Card" means the Vault27 prepaid virtual or physical card issued under the Vault27 Card programme, operating on the Mastercard or Visa network.
"Card Balance" means the available funds loaded onto your Card at any given time.
"Cardholder" means any person who has been issued and activated a Vault27 Card.
"Crypto Assets" means USDC (BEP-20), USDT (BEP-20), USDT (ERC-20), USDC (ERC-20), Wrapped USDT (wUSDT), Apertum (APTM), Wrapped Apertum (wAPTM), BTAF token (BEP-20), and any other digital assets accepted by the Platform from time to time.
"Deposit" means any transfer of Crypto Assets into your Vault27 wallet for the purpose of funding your Card or account.
"KYC" means Know Your Customer identity verification procedures.
"Platform" means the Vault27 Card website, application, and all associated services.
"Prohibited Activities" means activities listed in Section 14 of these Terms and in Vault27's Prohibited Activities Policy.
"Revenue Share Programme" means the nine-level commission structure available to eligible users as described in Section 8.
"Top-Up" means the loading of additional funds onto an existing Card from your Vault27 wallet balance.
"Transaction" means any card payment, top-up, withdrawal, deposit, transfer, or other financial operation conducted through the Platform.
"Withdrawal" means the transfer of funds out of your Vault27 account to an external destination.
3. ELIGIBILITY
To use the Vault27 Card Service, you must meet and continue to meet all of the following eligibility criteria:
- You must be at least 18 years of age, or such higher age as may be required by the laws of your jurisdiction.
- You must have full legal capacity to enter into binding contracts under the laws of your jurisdiction.
- You must not be a resident of, or located in, any jurisdiction in which the use of cryptocurrency-funded prepaid cards is prohibited, restricted, or requires a licence that Vault27 does not hold.
- You must not be a national of, or a person subject to sanctions imposed by the United States, the European Union, the United Nations, or any other applicable sanctions authority.
- You must not appear on any sanctions list, including but not limited to the OFAC SDN List, the EU Consolidated Sanctions List, or the UN Security Council Consolidated List.
- You must provide accurate, complete, and current information during registration and at all times thereafter.
- You must not have been previously suspended or banned from the Vault27 Platform.
Vault27 reserves the right to verify your eligibility at any time and to suspend or terminate your account if eligibility requirements are not met or cease to be met.
4. ACCOUNT REGISTRATION & SECURITY
4.1 Registration
To access the Vault27 Card Service, you must create an account by providing a username and password. You are responsible for ensuring that all information you provide is accurate, truthful, and kept up to date. Vault27 may require you to complete identity verification (KYC) before a Card is issued or certain features are enabled.
4.2 Account Security
You are solely responsible for maintaining the confidentiality and security of your account credentials, including your username, password, and any two-factor authentication codes. You must:
- Use a strong, unique password and not share it with any third party.
- Enable two-factor authentication where available.
- Immediately notify Vault27 at legal@vault27.pro if you suspect any unauthorised access to or use of your account.
- Ensure that you log out of your account at the end of each session on shared or public devices.
Vault27 will not be liable for any loss or damage arising from your failure to comply with these security obligations. You will be held responsible for all activity that occurs under your account, including any transactions made before you notify Vault27 of a security breach.
4.3 One Account Per User
Each person may hold only one Vault27 account. Creating multiple accounts for the purpose of exploiting revenue share commissions, bonuses, or any other feature of the Platform constitutes a Prohibited Activity and may result in immediate termination of all associated accounts and forfeiture of all balances.
5. IDENTITY VERIFICATION (KYC & AML)
Vault27 operates a mandatory identity verification programme in compliance with applicable anti-money laundering (AML) and Know Your Customer (KYC) regulations. By using the Service, you consent to and agree to cooperate with the following:
- Submission of a government-issued photo identification document (passport, national ID card, or driving licence).
- Completion of a real-time liveness check via selfie or video verification.
- Automated screening against international sanctions lists, Politically Exposed Persons (PEP) databases, and adverse media sources.
- Ongoing transaction monitoring throughout the duration of your account relationship with Vault27.
- Provision of additional documentation or information upon request for enhanced due diligence purposes.
Vault27 reserves the right to refuse to issue a Card, suspend your account, or terminate your account at any time if KYC verification cannot be completed, if information provided is found to be inaccurate or fraudulent, or if ongoing monitoring identifies suspicious activity. Vault27 is not obligated to provide reasons for such decisions to the extent that doing so would compromise legal or regulatory obligations.
All KYC data is processed in accordance with our Privacy Policy and applicable data protection laws. Vault27 uses Sumsub as its third-party KYC provider. By submitting your KYC documents, you consent to their processing by Sumsub in accordance with Sumsub's own terms and policies.
6. CARD SERVICES
6.1 Card Issuance
Subject to successful KYC verification and payment of the applicable initial card fee, Vault27 will issue you a prepaid virtual card (“Card”). Physical cards may be available in certain jurisdictions — availability will be indicated on the Platform at the relevant time.
- Initial Card Fee: USD $160.00, one-time and non-refundable.
- The Initial Card Fee is made up of:
- $100.00 USD allocated to the Revenue Share Programme and Vault27 operations:
- $65.00 USD distributed through the 9-level Revenue Share Programme.
- $35.00 USD retained for Vault27 operations.
- $50.00 USD minimum initial top-up, credited directly to your Card Balance.
- $10.00 USD paid to the banking provider for card issuance and processing.
- Total Minimum to Get Started: USD $160.00.
- Cards operate on the Mastercard or Visa network and are accepted wherever Mastercard or Visa prepaid cards are accepted worldwide, subject to applicable merchant restrictions, prohibited activities, card network rules, and regional availability.
- Cards are issued in USD and all balances are denominated in USD.
- Cards are non-transferable and may only be used by the verified account holder to whom they were issued.
- All card fees, issuance fees, processing fees, and related charges are strictly non-refundable.
6.2 Card Loading & Top-Up
Your Card Balance may be funded by transferring supported Crypto Assets into your Vault27 wallet and then topping up your Card from your available wallet balance. The following terms apply:
- Accepted Crypto Assets:
- USDC (BEP-20) — BSC Network.
- USDT (BEP-20) — BSC Network.
- USDT (ERC-20) — Ethereum Network.
- USDC (ERC-20) — Ethereum Network.
- Wrapped USDT (wUSDT) — Apertum Network.
- Apertum (APTM) — Apertum Network.
- Wrapped Apertum (wAPTM) — Apertum Network.
- BTAF token (BEP-20) — BSC Network.
- Users must send only supported Crypto Assets on the correct blockchain network as displayed in the Platform. Sending unsupported tokens, using the wrong network, or sending assets to an incorrect wallet address may result in permanent loss of funds. Vault27 is not responsible for losses caused by unsupported assets, incorrect networks, incorrect wallet addresses, or user error.
- Deposits are credited following confirmed settlement on the applicable blockchain network. Vault27 is not responsible for delays caused by network congestion, blockchain failures, incorrect wallet addresses, unsupported tokens, or use of an incorrect blockchain network by the User.
- Initial Minimum Top-Up: USD $50.00, included as part of the Initial Card Fee and credited directly to your Card Balance.
- Top-Up Fee: 6% of the amount loaded on every top-up.
- The 6% Top-Up Fee is allocated as follows:
- 4% retained by Vault27 for operations.
- 2% distributed through the Revenue Share Programme.
- Exchange rates applied to crypto-to-USD conversions are determined by Vault27 at the time of conversion and may include a spread. Vault27 does not guarantee any particular exchange rate.
- All top-up fees and conversion-related fees are strictly non-refundable.
6.3 Card Spending
You may use your Card to make purchases at merchants that accept Mastercard or Visa prepaid cards, subject to the following:
- Transactions are subject to the spending limits applicable to your Card tier as displayed in your account dashboard.
- Vault27 is not responsible for merchant acceptance or refusal of the Card.
- Foreign currency transactions will be converted to USD using the applicable card network exchange rate, which may differ from publicly available rates.
- A foreign currency fee of 1% to 3% may apply to non-USD transactions, where applicable.
- ATM withdrawals are not supported. The Vault27 Card may not be used for ATM cash withdrawals, cash advances, or equivalent cash-access transactions.
- Vault27 is not liable for any charges, fines, declined transactions, losses, or consequences arising from the use of the Card at prohibited merchants, restricted merchant category codes, restricted platforms, restricted regions, or for prohibited purposes.
6.4 Card Expiry & Inactive Accounts
Cards are issued with an expiry date as displayed on the Card. Upon expiry, any remaining Card Balance will be held in your Vault27 wallet account, subject to applicable compliance checks, card network rules, and any restrictions under these Terms.
Accounts with no activity for a period of 12 consecutive months may be subject to an inactivity review. Vault27 reserves the right to deactivate dormant accounts after providing reasonable notice, where required. Any remaining balances may be held, returned, restricted, or otherwise handled in accordance with applicable law, compliance requirements, and these Terms.
7. FEES SUMMARY
The following fees apply to the Vault27 Card Service. All fees are in USD unless stated otherwise:
- Initial Card Fee: $160.00 USD, one-time and non-refundable.
- Breakdown of the $160.00 initial card fee:
- $100.00 USD allocated to the Revenue Share Programme and Vault27 operations:
- $65.00 USD distributed through the 9-level Revenue Share Programme.
- $35.00 USD retained for Vault27 operations.
- $50.00 USD minimum initial top-up, credited directly to your Card Balance.
- $10.00 USD paid to the banking provider for card issuance and processing.
- Total Minimum to Get Started: $160.00 USD.
- Top-Up / Card Load Fee: 6% of the amount loaded.
- 4% retained by Vault27 for operations.
- 2% distributed through the Revenue Share Programme.
- Monthly Fees: $0.00 — no monthly fees.
- Annual Fees: $0.00 — no annual fees.
- Maintenance Charges: $0.00 — no maintenance charges.
- Foreign Currency Fee: 1% to 3% on non-USD transactions, where applicable.
- ATM Fees: $0.00 — ATM withdrawals are not supported.
- Refunds: All fees are strictly non-refundable, including but not limited to the initial card fee, card issuance and processing fees, top-up fees, and any other applicable service fees.
Vault27 reserves the right to introduce new fees or modify existing fees upon 30 days’ prior written notice to users via email or Platform notification. Continued use of the Service after the effective date of any fee change constitutes acceptance of the new fee schedule.
9. CRYPTOCURRENCY & BLOCKCHAIN
- Supported assets are limited to USDC (BEP-20) on the BSC Network, USDT (BEP-20) on the BSC Network, USDT (ERC-20) on the Ethereum Network, USDC (ERC-20) on the Ethereum Network, Wrapped USDT (wUSDT) on the Apertum Network, Apertum (APTM) on the Apertum Network, Wrapped Apertum (wAPTM) on the Apertum Network, and BTAF token (BEP-20) on the BSC Network.
- You must send deposits to the correct wallet address and on the correct blockchain network as specified in your account.
- Blockchain transactions are irreversible once confirmed.
- Crypto Asset values are highly volatile.
- Vault27 does not operate as a custodian of your Crypto Assets beyond what is necessary to process your deposit and load your Card.
- Vault27 may update the list of supported Crypto Assets at any time.
10. CHARGEBACKS & DISPUTES
10.1 Transaction Disputes
If you believe a transaction on your Card is unauthorised or incorrect, you must notify Vault27 at legal@vault27.pro within 60 days of the transaction date. Vault27 will investigate the dispute in accordance with the applicable card network rules.
10.2 Chargebacks
- Chargebacks must be requested within 60 days of the transaction posting to your Card.
- Vault27 will conduct an investigation and may require you to provide supporting documentation.
- Chargebacks resolved in your favour will be credited to your Card Balance.
- Vault27 reserves the right to suspend your account if chargeback requests are found to be fraudulent or abusive.
10.3 Merchant Disputes
Vault27 is not responsible for the quality, delivery, or non-delivery of goods or services purchased using your Card. Disputes with merchants regarding products or services must first be raised directly with the merchant before a chargeback is initiated.
11. TERMINATION & SUSPENSION
11.1 Termination by You
- You may close your Vault27 account at any time by contacting legal@vault27.pro.
- Any remaining Card Balance will be returned to you in USDT (ERC-20) after deduction of applicable fees, subject to satisfactory completion of any outstanding compliance checks.
- Any accrued but unpaid revenue share commissions will be forfeited if the account is closed before the minimum payout threshold is reached.
- Your account data will be retained in accordance with our Privacy Policy and applicable legal requirements.
11.2 Termination or Suspension by Vault27
Vault27 may suspend or terminate your account for any of the following reasons:
- Breach of these Terms or any other applicable agreement with Vault27.
- Engagement in any Prohibited Activity.
- Failure to complete or pass KYC/AML verification.
- Provision of false, misleading, or incomplete information.
- Suspected fraud, money laundering, or other illegal activity.
- A request or instruction from a regulatory authority, law enforcement agency, banking partner, or card network.
- Insolvency, bankruptcy, or incapacity.
12. PRIVACY & DATA PROTECTION
Vault27 collects, processes, and stores personal data in accordance with its Privacy Policy. By using the Service, you consent to the processing of your personal data as described therein, including collection of identity and contact information for account registration and KYC purposes, processing of transaction data for operation of the card programme and revenue share system, sharing of data with KYC providers, banking partners, card networks, and regulatory authorities where required, and retention of data for the periods required by applicable law.
You have the right to access, correct, or request deletion of your personal data, subject to legal retention obligations. Please contact legal@vault27.pro for data subject requests.
13. INTELLECTUAL PROPERTY
All content, branding, software, technology, and materials on the Vault27 Card Platform, including but not limited to the Vault27 name, logo, card design, website content, and application code, are the exclusive intellectual property of Vault27 Limited or its licensors.
You may not:
- Copy, reproduce, distribute, or create derivative works from any Platform content without express written permission.
- Use Vault27's name, brand, or trademarks in any marketing or promotional material without prior written consent.
- Reverse engineer, decompile, or attempt to extract the source code of any Platform software.
- Use automated tools, bots, or scrapers to access or extract data from the Platform.
14. PROHIBITED ACTIVITIES
The following activities are strictly prohibited:
- Any activity that violates applicable local, national, or international law or regulation.
- Money laundering, terrorist financing, or any activity that facilitates the proceeds of crime.
- Use of the Card or Platform for the purchase of illegal goods or services.
- Creating multiple accounts for the purpose of abusing the revenue share programme, earning duplicate commissions, or circumventing account limits.
- Providing false, inaccurate, or misleading information during registration, KYC, or at any other time.
- Impersonating any person or entity, or misrepresenting your affiliation with any person or entity.
- Conducting transactions designed to circumvent transaction limits, reporting thresholds, or KYC requirements.
- Using the Platform in connection with gambling, adult content, darknet marketplace activity, or any other activity designated as high-risk by Vault27's card network partner.
- Attempting to gain unauthorised access to the Platform, other user accounts, or Vault27's systems.
- Using bots, automated scripts, or other technology to manipulate the Platform or the revenue share programme.
- Engaging in any activity that could damage, disable, or impair the Platform or its infrastructure.
15. LIMITATION OF LIABILITY
THE VAULT27 CARD SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. VAULT27 MAKES NO WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.
Vault27 shall not be liable to you or any third party for indirect, incidental, consequential, special, exemplary, or punitive damages, loss of profits, revenue, data, goodwill, or business opportunities, losses arising from cryptocurrency volatility, exchange rate fluctuations, or market movements, losses caused by blockchain network failures or third-party wallet errors, losses arising from unauthorised access to your account where you have failed to maintain adequate security, service interruptions, downtime, or platform unavailability, actions of third-party service providers, or merchant refusal to accept the Card.
In no event shall Vault27's total aggregate liability to you for all claims arising out of or relating to the Service exceed the total fees you have paid to Vault27 in the six months immediately preceding the event giving rise to the claim.
16. INDEMNIFICATION
You agree to indemnify, defend, and hold harmless Vault27 Limited, its officers, directors, employees, agents, contractors, and service providers from and against any and all claims, damages, losses, liabilities, costs, and expenses arising from or related to your breach of these Terms, your use or misuse of the Platform or any Card, your violation of any applicable law or third-party rights, any Prohibited Activity conducted through your account, or any claim by a third party arising from your use of the revenue share programme or your promotion of the Platform.
17. DISCLAIMERS
- Vault27 does not provide financial advice, investment advice, tax advice, or legal advice.
- Vault27 makes no representation that the Service is appropriate or lawful in all jurisdictions.
- Vault27 does not guarantee uninterrupted or error-free access to the Platform and reserves the right to carry out maintenance, upgrades, or modifications at any time.
- Participation in the Revenue Share Programme does not guarantee income.
- Vault27 is not responsible for the tax treatment of any transactions, commissions, or crypto asset holdings in any jurisdiction.
18. DISPUTE RESOLUTION & GOVERNING LAW
18.1 Governing Law
These Terms shall be governed by and construed in accordance with the laws of the Republic of Costa Rica, without regard to its conflict of law provisions.
18.2 Informal Resolution
Before initiating any formal dispute process, you agree to contact Vault27 at legal@vault27.pro with a written description of your complaint. Vault27 will endeavour to resolve the matter informally within 30 days of receipt of your notice.
18.3 Binding Arbitration
If a dispute cannot be resolved informally, it shall be submitted to final and binding arbitration administered by the International Chamber of Commerce (ICC) under its Arbitration Rules. The arbitration shall be conducted in English. The arbitral award shall be final and binding on both parties.
18.4 Class Action Waiver
ALL DISPUTES SHALL BE RESOLVED ON AN INDIVIDUAL BASIS ONLY. YOU EXPRESSLY WAIVE ANY RIGHT TO BRING OR PARTICIPATE IN ANY CLASS ACTION, COLLECTIVE ACTION, OR REPRESENTATIVE PROCEEDING.
18.5 Jurisdiction
For any matters not subject to arbitration, you consent to the exclusive jurisdiction of the courts of Costa Rica.
19. FORCE MAJEURE
Vault27 shall not be liable for any delay or failure to perform its obligations under these Terms resulting from causes beyond its reasonable control, including but not limited to acts of God, natural disasters, war, civil unrest, terrorism, government action, epidemic or pandemic, internet or telecommunications failures, power outages, blockchain network failures, regulatory changes, or failures of third-party service providers.
20. SEVERABILITY
If any provision of these Terms is found by a court or arbitrator of competent jurisdiction to be invalid, illegal, or unenforceable, that provision shall be modified to the minimum extent necessary to make it enforceable, or severed if modification is not possible. The remaining provisions shall continue in full force and effect.
21. ENTIRE AGREEMENT
These Terms, together with the Vault27 Privacy Policy and Prohibited Activities Policy, constitute the entire agreement between you and Vault27 with respect to the subject matter hereof and supersede all prior or contemporaneous agreements, understandings, representations, and communications, whether written or oral.
22. WAIVER
No failure or delay by Vault27 in exercising any right under these Terms shall constitute a waiver of that right. A waiver of any breach shall not constitute a waiver of any subsequent breach. All waivers must be in writing and signed by an authorised representative of Vault27.
23. ASSIGNMENT
You may not assign or transfer any rights or obligations under these Terms without the prior written consent of Vault27. Vault27 may assign or transfer its rights and obligations under these Terms at any time without your consent, including in connection with a merger, acquisition, or sale of all or substantially all of its assets.
24. CONTACT INFORMATION
For any questions, complaints, or notices relating to these Terms or the Vault27 Card Service, please contact us at:
Email: legal@vault27.pro
Website: vault27.pro
Registered Address: Vault27 Limited, Costa Rica (Company ID: 3-102-948161)