Terms and Conditions

By accessing and using this website (xKard.io), you agree to the following terms:
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1. Operator
This site is operated by XHYPE FZCO, based in Dubai Silicon Oasis, United Arab Emirates.
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2. Use of Services
xKard.io provides access to third-party virtual prepaid card services. We are not a card issuer. Users must comply with the terms set by the issuing providers. You must be at least 18 years old to use the platform. Use is prohibited in jurisdictions where such services are restricted.
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3. No Financial Advice
The information provided does not constitute financial, legal, or investment advice. Use of services is at your own risk.
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4. Fees and Limits
Users are responsible for understanding the applicable fees, limits, and usage policies. These are available on the website and may be updated at any time.
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5. Privacy and Data
We operate under a Zero Data model. We do not collect or store personal data unless required by law or for transactional security. For more, see our Privacy Policy.
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6. Liability
Services are provided “as is,” without warranty. XHYPE FZCO is not liable for damages arising from the use or unavailability of services.
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7. Jurisdiction
These terms are governed by the laws of the United Arab Emirates. Any disputes shall be resolved under the jurisdiction of the courts of Dubai.