Terms & Conditions
These terms govern your access and use of our virtual crypto card services, mobile apps, APIs, and website. Please read carefully before using our platform.
Welcome to Sparq ("Platform", "we", "our", or "us"). These Terms and Conditions ("Terms") govern your access and use of our virtual crypto card services, mobile apps, APIs, and website.
Important: By accessing or using our platform, you agree to be bound by these Terms. If you do not agree, please do not use our services.
To use our platform, you must meet the following requirements:
- Must be 18 years of age or older
- Legally permitted to use crypto payment services in your jurisdiction
- Must comply with all local cryptocurrency regulations
- Provide accurate and truthful information during registration
By accessing our platform, you confirm your compliance with local crypto regulations.
We provide non-custodial crypto-to-card solutions, including:
- Non-custodial crypto-to-card conversion
- Virtual and physical debit card issuance
- Real-time cryptocurrency spending
- Multi-currency wallet integration
- Transaction monitoring and reporting
Supported Cryptocurrencies
Offered through regulated third-party card issuers.
Users may not use our platform for illegal activities, including but not limited to:
- Money laundering or terrorist financing
- Buying or selling illicit goods or services
- Circumventing sanctions or embargos
- Fraudulent transactions or identity theft
- Market manipulation or insider trading
- Violation of intellectual property rights
- Harassment or abusive behavior towards other users
Zero Tolerance Policy
We maintain a zero-tolerance policy against abuse and reserve the right to block any account found in violation of these terms.
Some services may require basic KYC (Know Your Customer) verification depending on your region. However, we also offer KYC-free virtual cards for qualified users under specific transaction limits in partnership with compliant providers.
KYC-Free Options
- Qualified users under specific transaction limits
- Partnership with compliant KYC-free providers
- Enhanced privacy for small transactions
- Automatic compliance monitoring
Detailed AML/KYC Policy
For comprehensive information about our compliance procedures, please review our dedicated AML/KYC Policy document.
All fees are transparently displayed prior to transaction confirmation. Our fee structure includes:
- Card issuance fees
- Crypto conversion rates
- Network transaction fees
- Cross-border transaction fees
- ATM withdrawal fees (where applicable)
Dynamic Pricing
Fees may vary based on blockchain congestion, real-time foreign exchange rates, and market conditions. All fees are shown before you confirm any transaction.
Cryptocurrency markets are volatile and involve significant risk. By using our services, you acknowledge:
- Cryptocurrency price volatility
- Blockchain network congestion and delays
- Regulatory changes affecting crypto payments
- Technical issues with third-party providers
- Market liquidity fluctuations
Use at Your Own Risk
You agree to use our services at your own risk. We are not responsible for any loss of funds, delays, or price changes during card top-ups or conversions.
All content, logos, code, and trademarks are the intellectual property of Sparq or licensed to us. This includes but is not limited to:
- Sparq logo and branding materials
- Website design and user interface
- Mobile application code and features
- Documentation and user guides
- API specifications and tools
Unauthorized Use Prohibited
Unauthorized use, reproduction, or distribution of our intellectual property is strictly prohibited and may result in legal action.
We reserve the right to suspend or terminate your account for the following reasons:
- Violation of these Terms and Conditions
- Suspicious or fraudulent activity
- Non-compliance with KYC/AML requirements
- Prohibited use of the platform
- Regulatory or legal requirements
Account Termination Process
Upon termination, we will provide reasonable notice where possible and assist with the recovery of any remaining funds, subject to compliance requirements.
Questions About Our Terms?
Our legal team is available to help clarify any questions about these terms and conditions.