Terms of Service

Article 1 (Purpose)

These Terms govern the conditions, procedures, rights, obligations, and responsibilities between UpFinance ("the Company") and users regarding the use of cryptocurrency card payment services and related services ("Services").

Article 2 (Definitions)

• "Services": All services provided by the Company, including cryptocurrency deposits, card issuance, payments, and settlement
• "User": A member who has entered into a service agreement with the Company under these Terms
• "Cryptocurrency": Digital assets supported by the Company, such as USDT
• "Card": Virtual or physical cards issued by the Company (Visa network-based)
• "Wallet": Electronic means for managing cryptocurrency deposits and balances

Article 3 (Effectiveness and Modification)

• These Terms take effect when posted on the service or otherwise communicated to users.
• The Company may modify these Terms within the bounds of applicable law, with changes announced at least 7 days before the effective date.
• Users who disagree with modified Terms may discontinue use and withdraw from the service.

Article 4 (Registration and Withdrawal)

• Users apply for registration following the Company's prescribed procedures, and a service agreement is established upon the Company's approval.
• The Company may reject registration if KYC and AML procedures are not completed.
• Users may request withdrawal at any time through service settings or customer support, and the Company will process it without delay within legal limits.
• Upon withdrawal, remaining cryptocurrency will be transferred to an external wallet designated by the user.

Article 5 (Services Provided)

• Cryptocurrency deposits: Deposit supported cryptocurrencies such as USDT into user wallets
• Card issuance: Virtual and physical card issuance (accepted at Visa merchants)
• Payments and withdrawals: Payments at Visa merchants worldwide and ATM withdrawals
• Settlement: T+0 real-time settlement
• Others: Additional services provided by the Company

Article 6 (Investment Risk Disclosure)

Article 7 (User Obligations)

• Users must provide accurate information and update it immediately when changes occur.
• Users may not use others' information or use the service for fraudulent purposes.
• Users must comply with applicable laws, these Terms, and the Company's notices.
• The service may not be used for illegal activities such as money laundering or terrorist financing.

Article 8 (Company Obligations)

• The Company will do its best to provide stable services.
• The Company will protect users' personal information in accordance with applicable laws.
• The Company will strive to promptly restore services in case of disruptions.

Article 9 (Disclaimers)

• The Company is not liable for service interruptions due to force majeure such as natural disasters, war, power outages, or hacking.
• The Company is not liable for service disruptions caused by users' own actions.
• The Company has no obligation to intervene in disputes between users or between users and third parties.
• The Company is not liable for damages caused by external factors such as blockchain network delays or fee fluctuations.
• The Company is exempt from liability for service limitations or suspensions due to regulatory changes, provided prior notice is given.

Article 10 (Dispute Resolution)

• Disputes related to these Terms shall be governed by the laws of the Republic of Korea.
• The court with jurisdiction over the Company's headquarters shall be the exclusive court of jurisdiction for service-related disputes.

Supplementary Provisions

These Terms shall take effect from April 7, 2026.