These Terms & Conditions ("Terms") govern your access to and use of the BullSwipe website, mobile application, card services, and any related products or services (collectively, the "Services").
By accessing our website, creating an account, or using any BullSwipe Services, you acknowledge that you have read, understood, and agree to be bound by these Terms.
If you do not agree with these Terms, you must not access or use the Services.
BullSwipe provides technology solutions that enable eligible users to access card-based payment services supported by eligible digital assets through licensed issuing partners.
BullSwipe is not a bank and does not provide banking services, deposit accounts, or other regulated banking products.
The BullSwipe Card is issued by an authorized issuing partner and operates through the Visa payment network. The Card may be accepted wherever Visa is accepted, subject to merchant acceptance, network availability, applicable laws, eligibility requirements, and program restrictions.
References to Visa describe merchant acceptance only and do not imply sponsorship, endorsement, certification, or approval by Visa.
Throughout these Terms:
Account means your registered BullSwipe user account.
Card means the BullSwipe credit card or virtual card issued by an authorized issuing partner.
Digital Assets means supported blockchain-based digital assets made available through the Services, as determined by BullSwipe from time to time.
Services means all products, software, applications, websites, payment services, and related functionality provided by BullSwipe.
User, you, or your refers to any individual accessing or using the Services.
By using the Services, you confirm that:
BullSwipe may update these Terms from time to time to reflect changes in applicable laws, regulatory requirements, operational practices, or the Services.
Continued use of the Services after revised Terms become effective constitutes your acceptance of the updated Terms.
To use the Services, you must:
BullSwipe may request additional information at any time to determine or maintain your eligibility.
BullSwipe reserves the right to refuse, suspend, or restrict access to the Services where permitted by law or required by regulatory obligations, compliance requirements, or issuing partner policies.
Access to the Services is always subject to eligibility requirements.
To access certain Services, you must create a BullSwipe account.
When registering, you agree to:
You remain responsible for all activities conducted through your account unless otherwise required by applicable law.
BullSwipe is committed to complying with applicable legal and regulatory requirements.
Before certain Services become available, users may be required to complete identity verification procedures, including:
BullSwipe may request additional information or documentation at any time and may conduct ongoing compliance reviews throughout your relationship with the Services.
Failure to complete required verification procedures may result in delayed, restricted, suspended, or terminated access to the Services.
Completion of identity verification does not guarantee approval, continued eligibility, or access to any specific Service.
BullSwipe provides eligible users with access to various financial technology services, including:
Available features may vary depending on jurisdiction, eligibility, regulatory requirements, issuing partner policies, and product availability.
BullSwipe may modify, suspend, discontinue, or introduce Services at any time where permitted by applicable law.
Card services are provided through licensed issuing partners.
BullSwipe provides technology and platform services but is not the issuer of the Card.
Certain rights and obligations relating to the Card may also be governed by the issuing partner's terms and conditions.
The Card may be used for lawful purchases at participating merchants that accept Visa, subject to applicable laws, merchant acceptance, eligibility requirements, network availability, and program rules.
BullSwipe does not guarantee that every Visa-accepting merchant will approve every transaction.
Transactions may be subject to:
Transaction approval is not guaranteed.
Certain Services allow supported Digital Assets to be used in connection with eligible card transactions.
BullSwipe may add, remove, or modify supported Digital Assets at its sole discretion and without prior notice where permitted by law.
Digital Assets, including stablecoins, may involve operational, technological, regulatory, and market risks.
Users remain solely responsible for understanding and accepting the risks associated with holding Digital Assets, including potential fluctuations in value.
Digital Assets involve financial risk.
Their value may increase or decrease significantly over time.
Past performance does not guarantee future performance.
BullSwipe does not provide:
Nothing contained within the Services, website, application, or marketing materials constitutes a recommendation to purchase, sell, hold, or otherwise transact in any Digital Asset.
Users remain solely responsible for determining whether the Services are appropriate for their personal financial circumstances and should seek independent professional advice where appropriate.
BullSwipe Services may not be available in every jurisdiction.
Access to the Services depends on applicable laws, regulatory requirements, issuing partner policies, product availability, and individual eligibility.
Use of the Card remains subject to the applicable terms and conditions of the issuing partner.
The Card may be accepted wherever Visa is accepted, subject to merchant acceptance, network availability, applicable laws, eligibility requirements, and program rules.
BullSwipe does not guarantee merchant acceptance, transaction approval, uninterrupted availability of the Services, or continued eligibility.
The BullSwipe Card may be used for lawful purchases at participating merchants that accept Visa, subject to applicable laws, merchant acceptance, eligibility requirements, network availability, and program rules.
You agree not to use the Card for:
BullSwipe reserves the right to decline, suspend, restrict, or terminate Card usage where required for security, fraud prevention, regulatory compliance, or operational reasons.
When an eligible Card transaction is authorized, supported Digital Assets may be used within the BullSwipe platform to facilitate settlement of the transaction in accordance with the applicable card program.
Merchants receive payment through the Visa payment network.
Merchants do not receive Digital Assets directly.
Transaction processing times may vary depending on:
BullSwipe does not guarantee uninterrupted transaction processing or transaction approval.
The BullSwipe Card may be accepted at participating merchants that accept Visa.
Merchant acceptance is determined solely by the merchant and the applicable payment network.
BullSwipe does not control merchant acceptance policies and cannot guarantee that every transaction or merchant will accept the Card.
Certain merchants, industries, products, services, or jurisdictions may restrict or decline transactions in accordance with their own policies or applicable laws.
Certain Services may be subject to applicable fees and charges.
These may include, where applicable:
Where required by applicable law, fees will be disclosed before they become payable.
Unless expressly stated otherwise, all Services remain subject to applicable fees, limits, and eligibility requirements.
Promotional offers do not eliminate fees that may otherwise apply.
Use of the Card may be subject to transaction limits established by BullSwipe, the issuing partner, regulatory authorities, or the applicable card program.
These limits may include:
BullSwipe may modify spending limits at any time where necessary for operational, regulatory, fraud prevention, or security purposes.
BullSwipe may periodically make promotional campaigns available to eligible users.
Participation in any promotion is voluntary and subject to:
Promotional campaigns may include, where applicable:
Promotions are available for a limited period only and while promotional allocations remain available.
BullSwipe reserves the right to modify, suspend, replace, or withdraw any promotion at any time where permitted by applicable law.
Nothing in these Terms guarantees the availability of any promotional offer.
From time to time, eligible new users may qualify for a promotional welcome reward after completing all applicable registration and verification requirements.
Where a promotional campaign is active, eligible users may receive:
Eligibility is determined at BullSwipe's sole discretion and depends upon:
Rewards are limited, subject to availability, and are not guaranteed.
BullSwipe may offer promotional cashback campaigns for eligible users.
Where applicable, an active promotional campaign may include either:
depending on the applicable promotional campaign.
Participation requires, at a minimum:
Cashback is promotional in nature, subject to campaign availability, eligibility requirements, applicable laws, and specific promotional terms.
BullSwipe reserves the right to amend, suspend, or terminate any cashback campaign where permitted by applicable law.
From time to time, eligible users may receive one Virtual Card without an issuance fee as part of an active promotional campaign.
Eligibility remains subject to:
Availability of a Free Virtual Card is not guaranteed and may be modified or withdrawn without prior notice where permitted by applicable law.
BullSwipe reserves the right to:
Changes may become effective immediately where permitted by applicable law.
Promotional offers do not create any contractual right to future rewards or continued availability.
You are solely responsible for determining, reporting, and paying any taxes that may arise from your use of the Services, including, where applicable, Digital Asset transactions, promotional rewards, cashback, or other benefits received through BullSwipe.
BullSwipe does not provide tax advice and recommends that you consult an independent tax professional regarding your individual circumstances.
By using the Services, you agree to:
You are responsible for all activities conducted through your account unless otherwise required by applicable law.
You must not use the Services for any unlawful, fraudulent, or prohibited purpose, including but not limited to:
BullSwipe reserves the right to investigate suspected violations and to take any action it considers appropriate, including restricting, suspending, or terminating access to the Services where permitted by applicable law.
BullSwipe implements reasonable administrative, technical, and organizational safeguards designed to help protect user accounts, personal information, and the integrity of the Services.
Users are responsible for:
BullSwipe may temporarily suspend or restrict access to the Services where reasonably necessary to protect users, investigate suspected unauthorized activity, comply with legal obligations, or maintain platform security.
While BullSwipe applies appropriate security measures, no technology system can guarantee absolute security.
BullSwipe maintains fraud prevention, security monitoring, and compliance procedures designed to protect users, issuing partners, and the integrity of the Services.
Transactions may be monitored and, where appropriate, delayed, declined, restricted, or subject to additional review.
BullSwipe may request additional information or documentation before authorizing or completing certain transactions where required for security, regulatory, or operational purposes.
Completion of additional reviews does not guarantee transaction approval.
BullSwipe may suspend, restrict, or terminate access to all or part of the Services where reasonably necessary, including where:
Where permitted by applicable law, BullSwipe may provide prior notice before suspension or termination.
Suspension or termination of the Services does not affect any rights or obligations that arose before the effective date of such action.
BullSwipe seeks to maintain reliable access to the Services but does not guarantee uninterrupted, continuous, or error-free availability.
The Services may be unavailable from time to time due to, including but not limited to:
BullSwipe is not liable for temporary interruptions, delays, or unavailability resulting from such circumstances except where required by applicable law.
Certain Services depend on third-party providers, including but not limited to:
BullSwipe is not responsible for products or services provided directly by third parties.
Your use of third-party services may also be governed by the applicable third party's own terms, policies, and legal agreements.
All intellectual property rights relating to the Services, including but not limited to:
remain the exclusive property of BullSwipe or its licensors.
Nothing contained in these Terms transfers ownership of any intellectual property rights to you.
You may not reproduce, distribute, modify, publish, reverse engineer, or commercially exploit any BullSwipe content without prior written authorization, except as permitted by applicable law.
BullSwipe processes personal information in accordance with its Privacy Policy.
By using the Services, you acknowledge that BullSwipe may collect, use, process, store, and disclose personal information where necessary for purposes including:
For additional information regarding how personal information is handled, please review the BullSwipe Privacy Policy.
By creating an account or using the Services, you consent to receive communications relating to:
You may unsubscribe from marketing communications at any time by following the instructions included in those communications.
Operational, security, regulatory, and legally required communications may continue to be sent while you maintain an active account or where otherwise required by applicable law.
The Services are provided on an "as available" and "as is" basis, subject to applicable law.
While BullSwipe makes reasonable efforts to provide reliable Services, BullSwipe does not warrant or guarantee that:
Availability and functionality may depend on operational, regulatory, technical, security, payment network, blockchain, or third-party factors beyond BullSwipe's reasonable control.
The information made available through the Services is provided for general informational purposes only.
BullSwipe does not provide:
Nothing contained within the Services, website, mobile application, marketing materials, or customer communications constitutes a recommendation or solicitation to purchase, sell, hold, or otherwise transact in any Digital Asset.
Users remain solely responsible for making their own financial decisions and should seek independent professional advice where appropriate.
To the maximum extent permitted by applicable law, BullSwipe shall not be liable for any indirect, incidental, consequential, special, exemplary, punitive, or similar damages, including any loss of profits, revenue, business opportunity, goodwill, data, or anticipated savings arising out of or relating to:
Nothing in these Terms excludes or limits liability where such exclusion or limitation is prohibited by applicable law.
You agree to indemnify, defend, and hold harmless BullSwipe, its affiliates, directors, officers, employees, contractors, licensors, issuing partners, service providers, and agents from and against any claims, losses, liabilities, damages, costs, and expenses (including reasonable legal fees) arising from or relating to:
This indemnification obligation survives termination of these Terms to the extent permitted by applicable law.
You are solely responsible for ensuring that your access to and use of the Services complies with all laws and regulations applicable to you.
BullSwipe may suspend, restrict, decline, or terminate access to the Services where necessary to comply with:
BullSwipe shall not be liable for any delay, interruption, or failure to perform its obligations where such delay or failure results from events beyond its reasonable control, including but not limited to:
BullSwipe will make reasonable efforts to resume normal operations as soon as practicable.
These Terms shall be governed by and interpreted in accordance with the laws applicable to the BullSwipe contracting entity, unless otherwise required by mandatory consumer protection laws.
Any dispute arising out of or relating to these Terms or the Services shall be submitted to the competent courts having jurisdiction over the relevant BullSwipe contracting entity, unless otherwise required by applicable law.
BullSwipe may amend or update these Terms from time to time to reflect changes in the Services, legal requirements, regulatory obligations, or operational practices.
The most current version will be published on the BullSwipe website together with the updated Effective Date.
Your continued use of the Services after revised Terms become effective constitutes your acceptance of those updated Terms.
If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court or competent authority, that provision shall be enforced to the maximum extent permitted by law.
The remaining provisions shall remain valid, enforceable, and continue in full force and effect.
These Terms, together with the Privacy Policy, Promotional Terms, and any additional policies or legal notices expressly incorporated by reference, constitute the entire agreement between you and BullSwipe regarding your use of the Services.
They supersede all prior agreements, communications, representations, and understandings relating to the Services.
If you have any questions regarding these Terms or the Services, please contact BullSwipe:
BullSwipe
Website: https://www.bullswipe.com
Email: support@bullswipe.com
Support Centre: https://www.bullswipe.com/support