Terms of Service

1. Agreement to Terms

By accessing and using CIPHER's crypto card service, you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our service.

2. Service Description

CIPHER provides a non-KYC virtual crypto card service that allows users to convert Solana (SOL) cryptocurrency into spendable virtual cards accepted worldwide via the Mastercard network. Card delivery is instant, typically within 5-10 minutes after payment confirmation.

3. Eligibility

To use CIPHER, you must:

  • Be at least 18 years of age
  • Have the legal capacity to enter into binding contracts
  • Not be located in a jurisdiction where crypto card services are prohibited
  • Comply with all applicable local, state, and federal laws

4. Non-KYC Service

CIPHER operates as a non-KYC service. We do not collect personal identification information. However, you are responsible for ensuring your use of the service complies with all applicable laws in your jurisdiction.

5. Card Usage

Virtual cards issued through CIPHER:

  • Are single-use, non-reloadable cards
  • Can be used at 180+ countries with Mastercard acceptance
  • Contain the exact crypto amount converted at time of purchase
  • Are delivered digitally via email within 5-10 minutes
  • Cannot be used for illegal activities

6. Fees and Pricing

Card values range from $5 to $50. The exact SOL amount required is displayed before purchase. All fees are final and non-refundable once the card is issued.

7. User Responsibilities

You are responsible for:

  • Maintaining the security of your crypto wallet
  • Ensuring transaction accuracy before confirmation
  • Using cards only for legal purposes
  • Keeping card details secure once received

8. Manual Payment Process

CIPHER uses a manual payment process. You send the exact SOL amount to our provided wallet address, and we process your card order upon payment confirmation. We never hold your private keys or have access to your wallet.

9. Refund Policy

Due to the instant, on-chain nature of our service, all transactions are final. Once a card is issued and delivered, refunds cannot be processed. Please verify all details before confirming your purchase.

10. Service Availability

While we strive for 100% uptime, CIPHER does not guarantee uninterrupted service. We may perform maintenance, updates, or experience blockchain network delays that temporarily affect service availability.

11. Prohibited Activities

You may not use CIPHER for:

  • Money laundering or terrorist financing
  • Purchasing illegal goods or services
  • Fraudulent activities
  • Violating any applicable laws or regulations

12. Limitation of Liability

CIPHER is provided "as is" without warranties of any kind. We are not liable for any losses resulting from blockchain network issues, exchange rate fluctuations, or merchant acceptance of the virtual cards.

13. Modifications to Terms

We reserve the right to modify these terms at any time. Continued use of the service after changes constitutes acceptance of the modified terms.

14. Contact Information

For questions about these Terms of Service, please contact our support team through the website.

Last updated: January 30, 2026