Terms of Service and Use

Last updated: Sep 21, 2026

spendcrypto.com is a retail platform that specializes in offering a wide variety of gift cards and other products, with the feature of accepting cryptocurrency as a form of payment. Our platform operates in a straightforward retail format, allowing users to browse and select products, much like any other online shopping experience. Instead of a traditional currency, customers can conveniently use their cryptocurrency to make purchases.

When a user decides to buy a product, the payment process involves a direct cryptocurrency transaction. Customers will transfer the specified cryptocurrency amount from their personal digital wallets to spendcrypto.com’s designated cryptocurrency address. This transaction process is designed to be secure and efficient, ensuring a seamless shopping experience for users who prefer to use digital currencies.

At spendcrypto.com, we are committed to providing a smooth and secure shopping experience. Although we do not manage internal cryptocurrency wallets, we assist our customers in every step of their purchase journey. In case of any disputes or transaction-related issues, spendcrypto.com offers dedicated support to resolve these matters promptly and fairly.

This Terms of Service and Use (“Agreement”) forms a binding legal agreement between Convexity Ltd (“spendcrypto.com,” “SpendCrypto,” “us,” “our,” or “we”) and you, the user (“you” or “your”). Your use of spendcrypto.com’s services is governed by this Agreement, along with our Privacy Policy. We strongly advise you to carefully read through this Agreement and the Privacy Policy to fully understand the terms and conditions that govern your use of our services and platform.

The SpendCredit Terms, the Referral Program terms, and any additional terms that we present to you for a specific product, promotion or feature also form part of this Agreement. If any of those additional terms conflict with this document, the additional terms apply to the subject they cover and this document applies to everything else.

In this Agreement, the “services” means the spendcrypto.com website, our mobile apps, our API and developer tools, and every product and feature we make available through them.

Acceptance and Change of Terms

By accessing or using the services in any way, including by browsing the site, placing an order with or without an account, signing up for an account, signing in with a third-party sign-in provider such as Apple or Google, or using our mobile app or API, you accept both the Terms of Service and Use, and the Privacy Policy. If you do not agree to them, you must not use the services. By accepting this Agreement or by using the services, you expressly acknowledge and agree that you are entering into a legal agreement with SpendCrypto, and have understood and agree to comply with, and be legally bound by, this Agreement.

We reserve the right, at our sole discretion, to update, change or replace any part of these Terms of Service and Use by posting the updated version on our website. Changes take effect as soon as they are posted, and the “Last updated” date at the top of this page shows when the current version was posted. We may, but are not obliged to, tell you about changes by email, by a notice on the site or by other means. The version of these terms that is in force when you place an order applies to that order. If you do not agree to the changes, you can terminate this agreement by discontinuing to use the services.

It is your responsibility to check our website periodically for changes. Your continued use of or access to our website or the services following the posting of any changes to these Terms of Service and Use constitutes acceptance of those changes.

Registration and User Account

To use our services, or to access this site or some of the resources it has to offer, you may be asked to provide registration details in order to register a user account (“User Account” or “account”). It is a condition of use of this site and our services that all the details you provide are correct, current, and complete. If we believe the details are not correct, current, or complete, we have the right to refuse you access to the site, or any of its resources, and to terminate or suspend your account.

You must be at least 18 years old, and legally able to enter into a binding contract, to use the services, whether or not you sign up for an account. By using the services you warrant that this is the case. You may only use your own account at spendcrypto.com and you may only have one account registered. You may only act on your own behalf. You may not use your account to act as an intermediary or broker for any entity or person. You are not allowed to borrow, sell, share or otherwise make available your account or any details necessary to access your account to other people or entities.

You may use our API and developer tools to place orders for yourself or for your own business, including through software or AI agents that you operate. Unless we have agreed otherwise with you in writing, you may not use the API to resell products or to offer the services to third parties. We may set or change rate limits, suspend or revoke API keys, and change or withdraw the API at any time, and we provide it without any service level commitment.

You are responsible for maintaining adequate security and control of any and all usernames, passwords, two-factor authentication codes, API keys or any other codes or credentials that you use to access the services. You are responsible for all activity that takes place under your account, including activity carried out by any software, API client, automated tool or AI agent that you authorize to access the services on your behalf. We are not liable for any loss arising from unauthorized access to your account that results from your failure to keep your credentials secure.

Your account and your orders must not contain misleading or fraudulent information. Faking your country of origin or your location, or providing fraudulent identification documents, is prohibited.

Identity Verification

Purpose of Identity Verification

spendcrypto.com is committed to maintaining a secure and trustworthy platform. To achieve this, we conduct identity verification to prevent illicit activities and comply with legal requirements. This process is essential in ensuring the integrity of transactions and safeguarding our users.

Trigger for Verification Requests

Identity verification may be requested in the following circumstances:

Signs of Illicit Activity: If we detect any activity on your account that raises suspicion of illegal or unauthorized actions, such as money laundering, fraud, or financing of prohibited activities.

Exceeding Purchase Limits: When your transactions exceed certain predetermined limits set by spendcrypto.com, which are in place to ensure secure and regulated operations.

Geographic Inconsistencies: When we detect a mismatch between your declared region and your actual location, or when VPN usage is identified during transactions. These verification measures ensure compliance with regional card restrictions and prevent fraudulent redemption attempts.

Sanctions Screening: When we need to confirm that you are not located in a Restricted Jurisdiction and are not a Restricted Person, as described in the Sanctions and Restricted Jurisdictions section of this Agreement.

Verification Process

The verification process will involve the following steps:

  1. Request for Information: You will be asked to provide personal information, including but not limited to, your full legal name, date of birth, and residential address.

  2. Submission of Documents: You will need to submit documents that verify your identity. Acceptable documents include government-issued photo ID, proof of residence, and potentially additional documentation depending on the case.

  3. Review and Confirmation: Our team will review the submitted documents. You will be notified once the verification process is complete. This process may take several days, depending on the volume of verifications being handled.

User Cooperation

Your cooperation in this process is crucial. Failing to comply with identity verification requests may result in limitations or suspension of your account.

Confidentiality

All information and documents provided during the identity verification process will be handled with strict confidentiality. This information will only be used for compliance with legal requirements and for the purpose of maintaining the security and integrity of spendcrypto.com, and for those purposes it may be shared with our verification and screening providers and with competent authorities.

Ongoing Verification

We reserve the right to request additional verification at any time to ensure ongoing compliance with legal standards and our internal policies. This may include re-verification in certain circumstances or when additional information is needed.

This identity verification policy is a fundamental part of our commitment to offering a secure platform for all users and is essential for the fulfillment of our legal and regulatory obligations. Your understanding and cooperation are greatly appreciated.

Prohibited Uses

You must not, and must not allow anyone else to:

  • use the services for any unlawful purpose, or in connection with fraud, money laundering, terrorist financing, sanctions evasion or any other financial crime;

  • pay with cryptocurrency or other funds that are stolen, that are the proceeds of unlawful activity, or that you are not entitled to use;

  • use the services to carry out, or to help anyone else carry out, a gift card scam or any other deception;

  • resell products bought through the services, or buy products for commercial distribution, unless we have agreed to this with you in writing;

  • open or use more than one account, use another person’s account, or provide false, inaccurate or misleading information;

  • abuse any promotion, deal, discount, referral reward or SpendCredits offer, including by creating multiple accounts, referring yourself, or acting together with others to obtain rewards you are not entitled to;

  • misrepresent your location or use any means to get around regional restrictions on a product or on the services;

  • scrape, crawl or harvest the site, or access the services by automated means, other than through our API in accordance with this Agreement;

  • interfere with, overload, probe or attempt to bypass any security or access control of the services, or attempt to access any account or system that is not yours;

  • copy, reverse engineer or create derivative works from the services, or use our name, logo or trademarks without our written permission.

If you breach this section we may, in addition to our other rights under this Agreement, cancel your orders, withhold or cancel any promotional credit, referral reward, discount or bonus SpendCredits obtained through the breach, and recover from you any loss we suffer as a result.

Limitation, Suspension, and Termination of Your User Account

Occasionally situations arise where we may need to limit, suspend, or terminate your account. Account limitation (“limit”, “limitation”) results in a temporary or permanent loss of access to a certain specific part or parts of the services we offer. Account suspension (“suspension”, “block”, “ban”) results in a temporary loss of access to most parts of the services we offer. Account termination (“termination”, “permanent ban”) results in permanent loss of access to all services we offer as well as termination of this Agreement.

We have the right to limit, suspend, or terminate your account or access to the services that we provide to you if:

  • we have a reason to believe that you have acted in violation of these Terms of Service and Use or applicable laws or regulations or if we have a reason to believe that any content or material submitted or shared by you in or through the services violates these Terms of Service and Use or applicable laws or regulations or third party rights;

  • we suspect that you use the services to engage in, attempt to engage in, or in connection with fraudulent activity, money laundering, terrorist financing, sanctions evasion or other financial crime;

  • we have a reason to believe that you are located in, or are accessing the services from, a Restricted Jurisdiction, that you are a Restricted Person, or that you are acting for or on behalf of a Restricted Person;

  • we have reason to believe that you have supplied false, misleading or deceptive information in connection with your registration, identity verification, orders or any other use of our services;

  • we are required to do so under any applicable law, regulation or an order issued by an authority;

  • you make available content or behave in a way that libels, defames, invades privacy, stalks, is obscene, pornographic, racist, abusive, harassing, threatening or is offensive;

  • you use the services in a manner which may cause the services to be interrupted or damaged or such a way that the functionality of the services is in any way impaired or attempt to bypass or break any security mechanism of the services or if SpendCrypto believes in good faith that such action is reasonably necessary to protect the security of its services or its property or brand or the security, property and rights of its users or those of third parties;

  • you attempt any unauthorized access to user accounts or any part or component of the service.

We will normally give you a notice of any limitation, suspension, or termination of your account but we may, if it is reasonable to do so (for example we consider it advisable for security reasons), limit, suspend or terminate your account without prior notice to you.

You acknowledge that our decision to limit, suspend, or terminate your account, may be based on confidential criteria that are essential to our risk management and security protocols and that we are under no obligation to disclose the details of our risk management and security procedures to you.

In the event that we limit or suspend your account we will lift the limitation or suspension as soon as reasonably possible once the reasons for it no longer exist, unless we are prevented from doing so by applicable law, regulation or the order of an authority.

Where an account is limited, suspended or terminated, pending orders may be cancelled and any payment, account balance or refund associated with the account may be withheld for as long as, and to the extent that, this is required or permitted by applicable law. We are not liable to you for any loss arising from a limitation, suspension or termination carried out in accordance with this Agreement.

Orders and Delivery

Order Acceptance

When you place an order you make an offer to buy the products in it. We may accept or decline any order, in whole or in part, at our sole discretion and without giving a reason, and we may set limits on order value, quantity or frequency. A contract between you and us for a product is formed only when we deliver that product to you. If we decline or cancel an order that you have already paid for, we will refund the payment for the undelivered products in accordance with the Refund Policy, unless we are prevented from doing so by applicable law.

Delivery

Products are delivered electronically, to your account and/or to the email address you give us at checkout. You are responsible for giving us a correct email address that only you can access, and for checking your account, inbox and spam folder. A product is delivered when we make it available to you in your account or send it to that email address, whether or not you open it.

Treat Codes Like Cash

From the moment a product is delivered, you bear all risk of its loss, theft or unauthorized use. Gift card codes, PINs, vouchers and eSIM activation codes work like cash: anyone who has the code can spend it, and once it has been used it cannot be recovered. We are not liable for, and will not replace or refund, a product that is lost, stolen, shared, or used by someone else after delivery, including where someone gains access to your email account or your device.

Gift Card Scams

Never buy a gift card because someone you do not know has asked you to, and never share a code with someone who contacts you claiming to be from a government agency, a utility, a bank, technical support, an employer or a romantic interest. No legitimate organization asks to be paid in gift cards. We are not liable for any loss you suffer because you bought a product for, or gave a code to, a third party, and we are usually unable to cancel or recover a product once it has been delivered.

Fees and Pricing

The services are provided to you against fees determined on a per transaction and/or per purchase basis in accordance with the prices and pricing principles set out on our website. Such fees may include fees for incoming and outgoing transactions, product margins, and service fees.

Please note that all fees are non-refundable. We encourage you to review the fee structure before completing any transaction on our website. By using our services, you agree to these terms.

A 10% processing fee will be applied to any approved refund requests for purchases made for incorrect regions or when VPN usage is detected during purchase or redemption attempts. This fee covers administrative costs associated with processing such transactions.

Allowed Jurisdictions

To use services provided by SpendCrypto you may need to fulfill certain legal obligations in your country and/or state of residence. By accepting these terms and service you confirm that you have reviewed your local laws and regulations and that you are aware of, and fulfill, any and all such obligations.

We do not offer the services in every country or territory. We may restrict or withdraw the availability of the services, or of any product, in any country or territory at any time, at our sole discretion and without liability to you.

Sanctions and Restricted Jurisdictions

Sanctions Laws

SpendCrypto complies with applicable economic and trade sanctions, embargoes and export control laws, including those administered or enforced by the United Nations Security Council, the United Kingdom (including as extended to the Cayman Islands), the Cayman Islands, the United States (including the Office of Foreign Assets Control of the U.S. Department of the Treasury), the European Union and its member states, and any other authority with jurisdiction over us or our service providers (together, “Sanctions Laws”).

Restricted Jurisdictions

We do not provide the services to any person who is located in, ordinarily resident in, or organized under the laws of a country or territory that is the target of comprehensive sanctions or an embargo under Sanctions Laws, or that we have decided not to serve because of the sanctions risk it presents, or to the government of any such country or territory. At the date of these terms this includes Cuba, Iran, North Korea, Russia, Syria, and the Crimea, Donetsk, Luhansk, Kherson and Zaporizhzhia regions of Ukraine (each a “Restricted Jurisdiction”).

We may add or remove Restricted Jurisdictions at any time and without notice, whether because Sanctions Laws change or because we decide, at our sole discretion, not to serve a particular country or territory. The list above is not exhaustive and the absence of a country or territory from it does not mean that the services are available there.

Restricted Persons

We do not provide the services to any person who is:

  • named on, or otherwise the target of, any sanctions list maintained under Sanctions Laws, including the United Nations Security Council Consolidated List, the UK Sanctions List and the consolidated list of financial sanctions targets maintained by the UK Office of Financial Sanctions Implementation, the Specially Designated Nationals and Blocked Persons List and other lists maintained by the U.S. Office of Foreign Assets Control, and the consolidated list of persons, groups and entities subject to EU financial sanctions;

  • owned 50% or more, or controlled, directly or indirectly, by one or more such persons; or

  • acting for or on behalf of any such person or of any person in a Restricted Jurisdiction

(each a “Restricted Person”).

Your Representations

By accessing or using the services you represent and warrant that:

  • you are not located in, ordinarily resident in, or organized under the laws of a Restricted Jurisdiction, and you are not accessing the services from a Restricted Jurisdiction;

  • you are not a Restricted Person;

  • you will not purchase any product for, on behalf of, or for delivery to or use by a Restricted Person or any person in a Restricted Jurisdiction, and you will not resell, transfer or export any product to any such person;

  • the cryptocurrency or other funds you use to pay for the services do not originate from, and are not sent through, any wallet, address, person or service that is the target of Sanctions Laws, and are not the proceeds of any unlawful activity; and

  • you will not use the services in any way that would cause you or us to breach Sanctions Laws.

These representations are repeated each time you access the services, sign in to your account or place an order. You must stop using the services immediately, and notify us, if any of them ceases to be true.

No Circumvention

You must not use a VPN, proxy, anonymizing service, false or borrowed identity, inaccurate account details, or any other means to disguise your location or identity in order to access the services from a Restricted Jurisdiction or as a Restricted Person. The fact that our systems did not block your access or your order does not mean that your use of the services is permitted.

Screening and Enforcement

We may screen users, orders, IP addresses, devices, wallet addresses and transactions against sanctions lists and other risk indicators, using our own tools and those of third-party providers, and we may request identity verification at any time for this purpose. If we know or reasonably suspect that you or a transaction is connected with a Restricted Jurisdiction or a Restricted Person, or that these representations are untrue, we may, without prior notice and without liability to you:

  • refuse, cancel or reverse any order, and decline to deliver or deactivate any product;

  • limit, suspend or terminate your account;

  • block, freeze or withhold any payment, account balance, SpendCredits or refund for as long as, and to the extent that, we are required or permitted to do so under Sanctions Laws or other applicable law; and

  • report the matter, and disclose information about you and your transactions, to any competent authority.

You acknowledge that where Sanctions Laws prohibit us from returning funds to you, we will not be able to issue a refund, and that we may be prohibited from telling you why an action has been taken. We are not liable for any loss, cost or damage you suffer as a result of any action we take in good faith to comply with Sanctions Laws or this section.

Third-Party Restrictions

Gift cards, eSIMs and other products are issued by third parties who may apply their own territorial, sanctions and export restrictions. A product may not be redeemable or usable in a particular country or by a particular person even if we were able to sell it to you, and we are not liable where an issuer refuses to honor a product for such reasons.

Cryptocurrency Payments and Risks

You are solely responsible for sending the correct amount of the correct cryptocurrency, on the correct network, to the payment address shown for your order, within the payment window shown at checkout. Any exchange rate we quote applies only for that payment window.

Cryptocurrency transactions are irreversible and are processed by decentralized networks that we do not own or control. To the maximum extent permitted by applicable law, we are not liable for:

  • payments sent to an incorrect address, on an unsupported network, in an unsupported asset, or after the payment window has expired. Such payments may be unrecoverable. Where recovery is technically possible we may attempt it at our discretion, and we may charge a fee for doing so;

  • delays, failures, congestion, forks, reorganizations or fee changes on any blockchain network;

  • changes in the value of any cryptocurrency before, during or after a transaction, including between the time of a payment and the time of any refund;

  • the acts, omissions, failure or insolvency of any wallet provider, exchange, payment processor or other third party that you use to make a payment; or

  • loss of, or unauthorized access to, your own wallets, private keys or devices.

We do not provide custody of cryptocurrency, investment services, or financial, legal or tax advice. Nothing on this site is an offer or recommendation to buy, sell or hold any cryptocurrency.

Third-Party Products

SpendCrypto is a reseller. Gift cards, vouchers, eSIMs, mobile data plans and other products sold through the services are issued, operated and fulfilled by third-party brands, issuers and network operators (“Issuers”), and not by us. Unless we expressly state otherwise, we are not affiliated with, sponsored by or endorsed by any Issuer, and all brand names and trademarks belong to their respective owners.

Each product is subject to the Issuer’s own terms and conditions, including terms on redemption, expiry, fees, balance, supported regions, device compatibility and network coverage. It is your responsibility to review those terms and to confirm that a product is suitable for your country, account, device and intended use before you buy it.

To the maximum extent permitted by applicable law, we are not liable for the acts or omissions of any Issuer, including an Issuer’s refusal to honor a product, a change to an Issuer’s terms or redemption process, the closure or restriction of your account with an Issuer, network coverage, speed or availability of any eSIM or mobile data plan, or the insolvency or cessation of business of an Issuer. Once a valid product has been delivered to you, our obligations in respect of that order are fulfilled, subject to the Refund Policy below.

Product descriptions, images, denominations, prices and availability are provided for information only and may contain errors or change without notice. We may cancel and refund any order affected by an obvious pricing or listing error.

Intellectual Property Rights

You acknowledge and agree that all copyrights, trademarks and all other intellectual property rights in and related to this site and our services is exclusively the property of SpendCrypto and our licensors. We grant you a revocable, non-exclusive, non-sublicensable, non-transferable and limited license, subject to the terms of this Agreement, to access and use our site and service, as well as related content, materials and information (collectively, the “Content”) solely for approved purposes as permitted by us from time to time. Any other use of the Content is expressly prohibited and you agree not to copy, transmit, distribute, sell, license, reverse engineer, modify, publish, or participate in the transfer or sale of, create derivative works from, or in any other way exploit any of the Content, in whole or in part.

Disclaimer of Warranties and Limitation of Liability

This site and the services are provided on an “as is” and “as available” basis for your information and use without any representation or endorsement. To the maximum extent permitted by applicable law, we make no warranties of any kind, whether express or implied, in relation to the site or the services, including but not limited to, implied warranties of satisfactory quality, functionality, fitness for a particular purpose, non-infringement, compatibility, security, accuracy, condition or completeness, or any implied warranty arising from course of dealing or usage or trade.

Convexity Ltd or spendcrypto.com is not associated with and does not claim to be in partnership with any of the cryptocurrencies, blockchain networks, wallets, payment providers, brands or other companies whose names or logos appear on the site, unless we expressly say so. The services provided by Convexity Ltd or spendcrypto.com are not authorized, approved, endorsed or sponsored by them or by their respective trademark owners. Their names and logos are shown on spendcrypto.com for informative purposes only.

SpendCrypto is not responsible for any content that users submit to the site or to us, including but not limited to reviews, ratings, feedback and messages, and may remove or modify that content without notice or liability at any time in its sole discretion. By submitting content you grant us a worldwide, perpetual, irrevocable, royalty-free license to use, reproduce, adapt and publish it in connection with the services, and you confirm that you have the right to do so.

This site may contain links to other sites on the Internet. These sites may contain information or material that some people may find inappropriate or offensive. These other sites are not under the control of spendcrypto.com, and you acknowledge that (whether or not such sites are affiliated in any way with spendcrypto.com) spendcrypto.com is not responsible for the accuracy, legality, decency, or any other aspect of the content of such sites.

spendcrypto.com reserves the right to modify or discontinue, temporarily or permanently, all or any part of this site and/or any software, facilities and services on this site, with or without notice, and/or to establish general guidelines and limitations on their use.

We do not warrant that the site or the services will be uninterrupted, timely, secure or error-free, that defects will be corrected, or that the site or the servers that make it available are free of viruses or other harmful components. Delivery times shown on the site are estimates only. You use the site and the services at your own risk.

If and to the maximum extent permitted by applicable law, we, our affiliates, and our and their respective directors, officers, employees, agents, suppliers and licensors will not be liable, whether in contract, tort (including negligence), breach of statutory duty or otherwise, for:

  • any economic losses (including without limitation loss of revenues, profits, contracts, business or anticipated savings);

  • any loss of goodwill or reputation;

  • any loss or corruption of data;

  • any loss of, inability to use, or change in the value of any cryptocurrency, gift card, eSIM or other product;

  • any loss arising from the acts or omissions of an Issuer, a blockchain network or any other third party;

  • any loss arising from unauthorized access to or use of your account, where this results from your failure to keep your credentials secure;

  • any loss arising from action we take in accordance with this Agreement or in order to comply with applicable law, Sanctions Laws or the order of an authority;

  • any special, indirect, incidental, consequential, punitive or exemplary losses or damages, howsoever arising

in any case whether or not such losses were foreseeable or within the contemplation of either of us at the date on which the event giving rise to the loss occurred. Without limitation, you (and not us) assume the entire cost of all necessary servicing, repair or correction in the event of any such loss or damage arising.

If and to the maximum extent permitted by applicable law, our total aggregate liability to you arising out of or in connection with this Agreement, the site or the services, whether in contract, tort (including negligence), breach of statutory duty or otherwise, will not exceed the amount you actually paid to us for the specific order giving rise to the claim or, where the claim does not relate to a specific order, one hundred US dollars (USD 100).

To the maximum extent permitted by applicable law, any claim arising out of or in connection with this Agreement, the site or the services must be brought within one (1) year after the event giving rise to the claim occurred, after which it is permanently barred.

You acknowledge that the prices we charge reflect the allocation of risk set out in this Agreement and that we would not provide the services without these limitations.

Nothing in these Terms of Service and Use shall exclude or limit our liability for fraud, or liability based on willful conduct or gross negligence, or any other liability that cannot be excluded or limited under applicable law. If and to the extent applicable law does not allow the above limitations of warranty and liability, such limitations shall not apply to you.

Notwithstanding any other provision in these Terms of Service and Use, nothing shall limit your rights as a consumer under mandatory provisions of applicable consumer protection legislation.

Indemnity

You agree to be fully responsible for (and fully indemnify and hold harmless us, our affiliates, and our and their respective directors, officers, employees and agents against) all claims, liability, damages, losses, fines, penalties and expenses, including legal fees and costs, suffered by us and arising out of or related to any breach of this Agreement by you or any other liabilities incurred by us arising out of your use of the services, or use by any other person accessing the services using your user account, credentials, device or internet access account; or your violation of any law or rights of any third party.

This includes, without limitation, any fine, penalty, loss or cost we incur because a representation you gave in the Sanctions and Restricted Jurisdictions section was untrue, or because you used the services in breach of Sanctions Laws.

General

We may transfer or assign our rights and duties under this Agreement to any party at any time without notice to you, but this will not affect your rights or our obligations under this Agreement. You may not, however, transfer or assign any of your rights and duties under this Agreement to any other party.

This Agreement (as amended from time to time) contains the entire agreement and understanding between us in respect of all matters which are referred to herein and supersedes any prior written or oral agreement between us relating to such matters. No oral explanation or oral information given by either of us shall alter the interpretation of this Agreement. You confirm that, in agreeing to accept this Agreement, you have not relied on any representation that is not expressly included herein and you agree that you shall have no remedy in respect of any misrepresentation which has not become a term of this Agreement. However, nothing in this Agreement purports to exclude liability for any fraudulent statement or act.

If any part or provision of this Agreement is deemed unlawful, void or for any reason unenforceable, then that provision shall be deemed to be severable from this Agreement and shall not affect the validity and enforceability of any of the remaining provisions of the Agreement.

We are not liable for any delay or failure to perform our obligations under this Agreement that results from causes outside our reasonable control, including but not limited to acts of God, natural disasters, war, terrorism, riots, epidemics, sanctions, embargoes, changes in law, governmental or regulatory action, failures of blockchain networks, failures or actions of Issuers, suppliers or payment providers, cyberattacks, or Internet, hosting or telecommunications failures.

You agree that we may send you this Agreement, changes to it, and any other notice or communication about the services electronically, by email to the address associated with your account or your order, or by posting it on the site, and that electronic communications satisfy any legal requirement that a communication be in writing. A notice sent by email is treated as received twenty-four (24) hours after it is sent. You are responsible for keeping your email address up to date. Notices to us must be sent to support@spendcrypto.com.

The sections of this Agreement that by their nature should survive termination, including those on sanctions, disclaimers, limitation of liability, indemnity, tax and governing law, will continue to apply after this Agreement ends.

Our failure to enforce any right or provision in this Agreement will not constitute a waiver of such right or provision unless acknowledged and agreed to by us in writing. Except as expressly set forth in this Agreement, the exercise by either party of any of its remedies under this Agreement will be without prejudice to its other remedies under this Agreement or otherwise permitted under law.

Governing Law

You agree that this Agreement and any dispute between you and us shall be governed in all respects by the laws of Cayman Islands, and you unconditionally submit to the exclusive jurisdiction of the courts of Cayman Islands. This does not prevent us from bringing proceedings against you in the courts of any country in which you reside or hold assets.

Before starting any proceedings, you agree to first contact us at support@spendcrypto.com with a description of your claim and to give us at least thirty (30) days to try to resolve it with you.

To the maximum extent permitted by applicable law, you and we agree that any proceedings will be conducted on an individual basis only, and not as a claimant or class member in any class, collective, consolidated or representative action.

The services are offered by us from Cayman Islands. We make no representations that the services are appropriate or available for use in any specific countries. Users of spendcrypto.com are themselves responsible for making sure they are in compliance with legislation of the jurisdiction they operate and reside in. If your local laws do not permit you to use the services provided by SpendCrypto, or if you are in a Restricted Jurisdiction or are a Restricted Person, you may not access this website.

Tax Compliance

1. User Responsibility for Tax Compliance

You, as a user of spendcrypto.com, are solely responsible for determining what, if any, taxes apply to your cryptocurrency transactions. The ownership, purchase, sale, exchange, or any other transaction involving cryptocurrencies may have tax implications. Since tax regulations vary significantly by jurisdiction, you are responsible for understanding and complying with the tax regulations applicable in your jurisdiction.

2. Reporting and Payment of Taxes

It is your responsibility to report and remit the correct tax to the appropriate tax authority. spendcrypto.com is not responsible for determining whether taxes apply to your cryptocurrency transactions or for collecting, reporting, withholding, or remitting any taxes arising from any cryptocurrency transactions.

3. Documentation

spendcrypto.com does not provide tax advice and does not offer any specific information regarding the tax status of transactions made through our service. However, we will provide transaction history and statements to registered users upon request to assist in tax reporting. These documents may be requested for your personal record-keeping and tax compliance purposes.

4. Cooperation with Tax Authorities

In the event that spendcrypto.com receives a request from a duly authorized tax authority for information relating to your account or transactions processed through our service, we will comply in accordance with our legal obligations. This may involve sharing your transaction history and other relevant information with these authorities.

5. Changes in Tax Law

Tax laws and regulations are subject to change, and new laws or regulations may be enacted. We encourage you to regularly consult with a qualified tax advisor to stay informed about the tax regulations and obligations in your jurisdiction as they relate to your cryptocurrency transactions.

6. Indemnification

By using spendcrypto.com, you agree to indemnify and hold harmless spendcrypto.com, its affiliates, officers, agents, and employees from any claim arising out of your failure to comply with your tax obligations, including but not limited to, your failure to report and remit the appropriate taxes on your cryptocurrency transactions.

This section on Tax Compliance is intended to provide general guidelines and should not be construed as legal, tax, or financial advice. We strongly advise you to consult with a professional tax advisor to understand your personal tax obligations.

Gift Card Claim and Expiry Policy

All gift cards, digital codes, or similar products purchased through spendcrypto.com must be claimed, accessed, or redeemed within thirty (30) days from the date of purchase (“Claim Period”).

If a gift card or code is not claimed or redeemed within the Claim Period, it will be considered expired. Upon expiration:

  • The gift card or code will no longer be accessible, usable, or redeemable.
  • The purchase will be deemed completed and fulfilled.
  • No refunds, replacements, credits, or extensions will be provided, regardless of reason, including but not limited to user oversight, loss of access, account inactivity, or failure to check delivery communications.

SpendCrypto is not responsible for unclaimed, unused, or expired gift cards once the Claim Period has elapsed. It is solely your responsibility to ensure that purchased products are claimed and redeemed within the specified timeframe.

This expiry policy applies in addition to any third-party issuer restrictions, regional limitations, or brand-specific terms that may apply to the gift card or product.

By completing a purchase on spendcrypto.com, you expressly acknowledge and agree to this Gift Card Claim and Expiry Policy.

Refund Policy

Overview

Our refund policy is structured with the understanding that our products, once delivered and unsealed, are non-refundable except in specific circumstances detailed below.

No Cooling-off Period

Our products are digital content that is supplied immediately. By placing an order you expressly ask us to begin delivery immediately, and you acknowledge that you will lose any statutory right of withdrawal or cooling-off period once delivery has begun.

Please be aware that there is no cooling-off period for unsealed products. Once a product is unsealed, it is considered final sale unless it falls under exceptional circumstances as outlined in this policy.

Eligibility for Refund

Refunds are provided under the following conditions:

Non-receipt of product: If you have not received the product after payment and our efforts to resolve the issue are unsuccessful, you are eligible for a refund.

Invalid or Redeemed product: If the product was invalid, or had already been redeemed, at the time it was delivered to you, you qualify for a refund. You must inform us of the issue so we can investigate with our third-party providers, and the outcome of that investigation determines whether a refund is due. Not including redemption issues on your end, such as account issues with third parties or location-based restrictions.

Technical Errors

In cases of technical errors resulting in the product not being delivered, a full refund will be issued by either providing the items you purchased or through refunding the payment via the same method it was sent.

Overpayment and Underpayment

Overpayment: If you have overpaid, you can request a refund of the excess amount, minus any transaction fees.

Underpayment: You have the option to pay the outstanding amount to receive the product, request a refund in the same cryptocurrency (minus transaction fees), or receive a refund in your account balance.

Account Balance Limits

For balances exceeding our set limits, refunds will be issued post mandatory identity verification. Failure to verify may result in account freezing until verification is completed.

Exceptional Refunds

In certain cases, such as for compliance, we may require additional verification to process refunds.

Refund Request Deadline

To qualify for a refund, you must make your request within 30 days from the transaction date. Requests beyond this period will be considered at our discretion and may be refunded as a credit to your account balance.

Transaction Fees

Please note that transaction fees specific to your chosen payment method are non-refundable.

Right to Refuse Refunds

We reserve the right to refuse refunds if the refund costs exceed the refund amount or for any other valid reason. We will not issue a refund where we are prohibited from doing so by Sanctions Laws or other applicable law, and we may refuse a refund where the order was placed in breach of this Agreement.

Processing Time

The time required to process refund requests can vary.

Additional Information

We may request additional information before processing refunds.

Contact for Refunds

For refunds or more information, please contact our support team at support@spendcrypto.com or use our help center.

Contact

The services are provided by:

Convexity Ltd
20 Genesis Close
George Town, Grand Cayman, KY1-1208
Cayman Islands

For questions about this Agreement, or to send us a legal notice, contact us at support@spendcrypto.com.