Terms, Conditions & Compliance

Last Updated: September 16, 2026

PLEASE READ THIS DISCLAIMER CAREFULLY BEFORE ACCESSING OR USING THIS WEBSITE (the "Website") OR ANY SERVICES REFERRED TO HEREIN.

This Website and the brand "woocard" are presented solely as an affiliate referral service. These terms explain the everyday spending use case, secondary AI-agent use case, compliance screening, and geographic restrictions that apply to the referred services.

Referral Agent Only

woocard is an affiliate referral service, not a card issuer, program owner, or card-service operator. woocard may earn a commission from an attributed referral.

woocard does not provide, operate, control, or facilitate card services itself. References to "woocard", "our card", "virtual card", "crypto debit card", or similar terms on this Website are referral shorthand for a third-party card program. Third-party providers are responsible for issuance, card operations, eligibility, identity checks, funding, fees, sanctions, transaction, program, and geographic controls under applicable cardholder terms.

Secondary AI-Agent Use

The site may describe approved AI-agent and automated workflows as a secondary use case for supported software, subscriptions, and operational expenses. Those workflows do not change provider eligibility, identity, source-of-funds, sanctions, transaction, card-program, merchant, or geographic controls.

Access, funding, transactions, and card use remain subject to the applicable provider terms, card-network rules, screening controls, and geographic restrictions.

No Regulated Financial Services

woocard is not a financial institution, broker, dealer, exchange, custodian, money transmitter, payment service provider, electronic money issuer, or any other type of regulated entity. woocard does not offer, and does not engage in, any of the following activities:

  • Brokerage services
  • Currency or crypto exchange services
  • Trade execution
  • Asset custody or storage
  • Payment processing
  • Money transmission
  • Issuance of electronic money
  • Any other regulated financial, banking, or payment services

Provider Operations and Controls

The applicable provider controls issuance, activation, funding, management, and use of any virtual cards, including KYC/AML verification, client onboarding, identity checks, address verification, source-of-funds verification, transaction monitoring, compliance procedures, card loading, spending limits, and related processes. woocard does not perform these provider operations.

Crypto Screening and Restricted Jurisdictions

Crypto used to fund cards is subject to wallet, transaction, sanctions, and illicit-activity screening by the service provider. Crypto identified as connected to illicit activity, sanctioned persons or addresses, or other prohibited sources will not be permitted and may be rejected or blocked.

Access to and use of the referred services are not permitted from blocked countries or territories. If access or use from a blocked location is detected, the service may be rejected, restricted, suspended, or blocked.

The current blocked countries and territories are: Afghanistan, Albania, Angola, Belarus, Bosnia and Herzegovina, Myanmar, Burundi, Central African Republic, Cuba, North Korea, Democratic Republic of the Congo, Ethiopia, Eritrea, Guinea, Guinea-Bissau, Haiti, Iran, Iraq, Ivory Coast, Kosovo, Lebanon, Liberia, Libya, Macedonia, Mali, Nicaragua, Pakistan, Russia, Somalia, South Sudan, Sudan, Syria, Serbia, Sierra Leone, Venezuela, Yemen, Zimbabwe, Abkhazia, Nagorno-Karabakh, Northern Cyprus, Sahrawi Arab Democratic Republic, Somaliland, and South Ossetia.

Eligibility and geographic controls may change as legal, sanctions, card-program, issuer, or service-provider requirements change. Users must confirm current availability before attempting to access or use the service.

No Responsibility for Client Checks or Verifications

woocard expressly disclaims any and all responsibility or liability for:

  • Any client identification, verification, or due diligence procedures
  • The accuracy, completeness, or outcome of any KYC/AML checks
  • Any decisions made by the applicable provider regarding user approval or rejection
  • Any delays, rejections, or failures in the verification process
  • Any consequences arising from the applicable provider's compliance policies

Users acknowledge and agree that such checks and verifications are handled by the applicable provider under its current terms. woocard does not perform those provider operations and does not promise an exemption.

No Warranties: "AS IS" Basis

The Website and all information, content, and referrals are made available on an "as is" and "as available" basis, without any warranties of any kind, express or implied. woocard expressly disclaims all warranties, including but not limited to warranties of merchantability, fitness for a particular purpose, title, non-infringement, accuracy, reliability, and uninterrupted or error-free operation.

Limitation of Liability

To the maximum extent permitted by law, woocard, its affiliates, directors, officers, employees, agents, and representatives shall not be liable for any direct, indirect, incidental, special, consequential, punitive, or exemplary damages (including loss of profits, data, crypto assets, business opportunities, or goodwill) arising out of or in any way connected with:

  • The use of or reliance on this Website
  • Any referral to a third-party provider
  • Any services made available through a woocard referral
  • Any act or omission by the referral partner or applicable provider
  • Any technical issues, downtime, or failures
  • Any regulatory action, loss of funds, or cryptocurrency volatility

Nothing in this Disclaimer excludes or limits any right or liability that cannot lawfully be excluded or limited, including rights and obligations under applicable consumer-protection and data-protection law.

Crypto & Financial Risk Acknowledgment

Cryptocurrencies are highly volatile and involve substantial risk of loss. Users understand and accept that they use the referred services entirely at their own risk. woocard does not guarantee the performance, security, or availability of services made available through a referral.

Prohibited Uses: No Money Laundering, Tax Evasion or Other Illegal Activity

Unlawful use is strictly prohibited and is not intended, including money laundering, terrorist financing, unlawful tax evasion, sanctions circumvention, unlawful concealment of assets, or any other unlawful purpose. woocard does not provide or promote tools, services, or features for those purposes. Nothing on this Website shall be construed as an offer, invitation, or encouragement to engage in any such activity.

The referral relationship does not exempt any user from, and shall not be construed as a means of avoiding, any legal, tax, reporting, sanctions, card-program, or regulatory obligation. The applicable provider conducts its own compliance, anti-money-laundering, sanctions, wallet-screening, and transaction-monitoring procedures.

Any use of the Website or the referred services for any unlawful purpose is strictly prohibited. woocard reserves the right to cooperate fully with law enforcement, regulatory, and other competent authorities in connection with any suspected unlawful activity.

User Responsibility for Tax Reporting and Legal Compliance

Each user acknowledges and agrees that woocard acts solely as an affiliate referral service and has no involvement in, or responsibility for, any user's legal, tax, or regulatory obligations.

Each user is solely and exclusively responsible for:

  • Determining whether the use of the referred services is lawful in their jurisdiction
  • Reporting and declaring their cryptocurrency holdings, transactions, income, and gains to the appropriate tax authorities and any other competent entities, as required by the laws applicable to them
  • Reporting and declaring their card usage and spending where required by applicable law
  • Paying any and all taxes, duties, or levies arising from their use of the referred services
  • Complying with all applicable laws, regulations, and reporting requirements in their country of residence, citizenship, or tax domicile

woocard does not provide tax reporting on behalf of users, does not withhold or remit taxes, and accepts no responsibility or liability for any user's failure to comply with any legal, tax, or reporting obligation. By using this Website or the referred services, each user confirms that they understand and accept these responsibilities in full.

Not Financial, Legal, Tax or Investment Advice

Nothing contained on this Website constitutes financial, investment, legal, tax, accounting, or any other form of professional advice. Users are strongly advised to seek independent professional advice before using any services.

Governing Law & Jurisdiction

This Disclaimer shall be governed by and construed in accordance with the laws of England and Wales. Any dispute arising out of or in connection with this Disclaimer shall be subject to the exclusive jurisdiction of the courts of England and Wales.

Indemnification

You agree to indemnify, defend, and hold harmless woocard and its affiliates from and against any and all claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising out of your use of the Website or any services referred to herein.

Changes to This Disclaimer

woocard reserves the right to modify or update this Disclaimer at any time. Your continued use of the Website after any changes constitutes your acceptance of the revised Disclaimer.

Severability

If any provision of this Disclaimer is held to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.

By accessing or using this Website, you confirm that you have read, understood, and agreed to be legally bound by this entire Disclaimer.

If you do not agree with any part of this Disclaimer, you must immediately cease using the Website.

For current card-service questions, use the applicable provider's official support and service channels.