# Card Terms and Conditions ### Card Terms and Conditions These Card Terms and Conditions (“Terms”) constitute a legally binding agreement between you (“User”, “Cardholder”) and **Oria** (“we”, “us”, “our”) governing the use of Oria card services. By applying for, activating, or using an Oria card, you agree to be bound by these Terms and all related policies. *** ### 1. Eligibility By using our card services, you confirm that: * You are at least 18 years old or legally eligible to enter into a contract * You provide accurate and complete information * You are not restricted by any applicable laws or sanctions * You use the card for lawful purposes only *** ### 2. Card Usage * The card is a **prepaid or stored-value card** and must be pre-funded before use * The card can be used at merchants that accept supported payment networks * Transactions may be declined due to risk controls, limits, or insufficient balance * We reserve the right to **restrict or block certain merchants or categories** Similar to industry standards, service providers may decline or reverse transactions or restrict usage at any time for compliance or risk reasons *** ### 3. Fees and Charges Applicable fees may include (but are not limited to): * Card issuance or application fees * Top-up / recharge fees * Transaction or processing fees * Risk or handling fees (if applicable) All fees are subject to change and will be communicated where applicable. *** ### 4. Risk Control & Restrictions To ensure system security and compliance: * Cards may be **frozen, restricted, or terminated** due to: * Suspicious activity * High failure rates * Excessive refunds, disputes, or chargebacks * Additional fees may apply depending on the situation * Certain **high-risk or blacklisted platforms** may not be supported *** ### 5. User Responsibilities You are responsible for: * Keeping your card details (card number, CVV, PIN) secure * Not sharing sensitive information with unauthorized parties * Monitoring transactions and reporting suspicious activity promptly Failure to safeguard your card may result in liability for unauthorized transactions *** ### 6. Transaction Limits * We may impose limits on: * Card balance * Transaction amounts * Monthly usage * Transactions exceeding limits may be declined Limits may be adjusted at our discretion for risk control or regulatory compliance *** ### 7. Suspension and Termination We reserve the right to: * Suspend, freeze, or terminate your card at any time * Refuse transactions without prior notice * Close accounts that violate these Terms This may occur in cases of fraud, misuse, or regulatory requirements. *** ### 8. Refunds and Chargebacks * Refunds are subject to merchant policies * Excessive disputes or chargebacks may result in restrictions or account actions * We are not responsible for merchant-related issues *** ### 9. Data and Privacy Your personal data is handled in accordance with our **Privacy Policy**.\ By using the card, you consent to data collection and processing necessary to provide services. *** ### 10. Limitation of Liability To the maximum extent permitted by law: * We are not liable for: * Transaction failures or declines * Merchant disputes * System interruptions or delays * Our total liability is limited to the fees paid for the service *** ### 11. Amendments We may update these Terms at any time. Continued use of the card constitutes acceptance of the updated Terms. --- # Agent Instructions: Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. Perform an HTTP GET request on the current page URL with the `ask` query parameter: ``` GET https://oriafi.gitbook.io/oria-docs/oria-card/card-terms-and-conditions.md?ask= ``` The question should be specific, self-contained, and written in natural language. The response will contain a direct answer to the question and relevant excerpts and sources from the documentation. Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.