Terms of Service

Last Updated: March 20, 2026

 

These Terms of Service (the “Terms”) govern your access to and use of the Jamcard mobile application (the “App”), the informational website located at jamcard.io (the “Website”), and associated software infrastructure (collectively, the “Services”).

The Services are provided by JAM Platform LLC (the “Jamcard”, “we”, “us”, or “our”).

By downloading the App, accessing the Website, or using the Services, you (“User” or “you”) agree that you have read, understood, and accepted all terms and conditions contained herein.

If you do not agree, you must not use the Services and must delete the App from your device.

 

1. The Services & VASP Exemption

Jamcard provides a purely technical, non-custodial mobile software interface and integration aggregator. The App is an informational and routing utility that facilitates your interaction with independent decentralized networks and third-party financial service providers. The Website operates strictly as an informational landing page and does not process financial transactions.

We do not act as a Virtual Asset Service Provider (VASP), exchange, broker, dealer, or money transmitter under any applicable regulatory framework. We do not issue cards, conduct compliance screening, process fiat payments, or provide liquidity.

The Services are strictly non-custodial. We never take custody, possession, escrow, or control of your fiat funds, digital assets, private keys, or seed phrases at any time.

 

2. Third-Party Integrations & Binding Consent

All regulated, compliance, and transactional operations are executed entirely by licensed third parties or decentralized protocols. Jamcard merely provides the graphical user interface. The categories of third-party services accessible through our interface include, but are not limited to:

  • KYC/AML Compliance: Identity verification, anti-money laundering (AML) checks, and sanctions screening.
  • Card Issuance & Programs: Issuance of virtual or physical payment cards, fiat account management, and payment processing.
  • Fiat On/Off-Ramps: Services enabling the exchange of fiat currency for digital assets, and vice versa.
  • Decentralized Swaps: Asset swapping functionality facilitated through decentralized routing protocols and liquidity aggregators.
  • Peer-to-Peer (P2P) Trading: P2P matching, trading, or fiat-escrow functionality.

Due to the dynamic nature of our integrations, the specific third-party provider or decentralized protocol powering a given service will be explicitly identified within the Services interface at the time you initiate the respective interaction or transaction.

By choosing to interact with, access, or utilize any of the aforementioned third-party services through the Jamcard interface, you expressly acknowledge and legally agree that:

  • You are entering into a direct, independent legal agreement with that specific third-party provider.
  • Your use of the service is strictly governed by the Terms of Service, Privacy Policy, KYC/AML requirements, and any other applicable agreements of that specific provider.
  • You bear the sole responsibility for reviewing and accepting those third-party terms prior to initiating any transaction or submitting any personal data.

Jamcard does not control and is strictly not liable for the decisions, technical failures, blocked transactions, frozen accounts, policy changes, or financial actions of any third-party provider, ramp, P2P platform, or decentralized protocol. Jamcard is not a party to the agreements between you and these providers.

 

3. Eligibility & Restricted Jurisdictions

You represent and warrant that you have the legal capacity to enter into these Terms.

You are strictly prohibited from using the Services if you are a “Restricted Person”. A Restricted Person is any individual or entity that is subject to sanctions administered or enforced by the United States (including OFAC), the European Union, the United Nations, or the United Kingdom.

To mitigate regulatory risk, the Services are strictly not intended for use by United States Persons. By accessing or using the Services, you expressly represent and warrant that you are not a US Person as defined by applicable US regulations, and you are not accessing the Services from a localized IP address within the United States or its territories.

The use of linked card and financial services is categorically forbidden in specific jurisdictions and for specific currencies, including but not limited to Russia, Belarus, Iran, North Korea, Syria, Cuba, and Ukraine.

We reserve the right to restrict access to the Services from certain IP addresses or jurisdictions at our sole discretion, without prior notice or liability.

 

4. No Fiduciary Duties Or Financial Advice

The Services is a technical tool, not a financial platform.

We owe no fiduciary duties or liabilities to you or any other party.

We do not provide financial, investment, legal, tax, or accounting advice. Any market data or AI-generated insights provided by the Services are for informational purposes only.

 

5. Intellectual Property Rights

The Services, including its design, text, graphics, user interface, compilation, and proprietary software code, is the exclusive intellectual property of the Jamcard and is protected by applicable intellectual property laws.

You may not copy, modify, distribute, reverse engineer, decompile, or create derivative works from the Services or our branding without express written permission.

 

6. Assumption of Risk

By interacting with the Services, you acknowledge and assume all risks inherent to cryptographic systems and third-party integrations, including:

  • Independent partners (including on-ramp providers and P2P platforms) may experience downtime, bugs, or regulatory changes resulting in frozen accounts, rejected applications, or failed fiat transactions.
  • The underlying smart contracts of external swap providers (e.g., 1inch, XOSwap) may contain vulnerabilities, bugs, or logic errors resulting in a total loss of funds.
  • Blockchain networks are subject to congestion, extreme fluctuations in gas fees, hard forks, reorganizations, and malicious attacks. We are not liable for failed, delayed, or improperly executed transactions.
  • Sending assets to the wrong address, selecting an incorrect network, or losing your wallet credentials will result in the permanent loss of funds. We cannot reverse or cancel any transactions.
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7. Prohibited Activity

You agree not to engage in, or attempt to engage in, any of the following categories of prohibited acts in relation to your access and use of the Services:

  • Money laundering, terrorist financing, tax evasion, fraud, or other illegal activities.
  • Reverse-engineering the Services, providing falsified documents to our compliance partners, bypassing geo-blocking measures (e.g., via VPNs for the purpose of evading sanctions), or launching automated attacks (e.g., DDoS).

8. AML Commitment & Law Enforcement Cooperation

While Jamcard operates solely as a non-custodial technical interface and is not a regulated financial institution, we maintain a strict zero-tolerance policy towards money laundering, terrorist financing, fraud, and sanctions evasion. We are firmly committed to preventing our Services from being utilized for illicit activities and actively support the compliance perimeters enforced by our licensed third-party partners.

Jamcard is committed to acting as a responsible participant in the global technology ecosystem. We actively cooperate with law enforcement agencies, regulatory bodies, and courts. We will promptly review and respond to valid, legally binding requests, including subpoenas, court orders, and official investigations.

Upon receipt of a valid legal request, Jamcard will fully disclose the information we legally possess and control. However, you acknowledge that our data retention is strictly limited to off-chain technical logs, account metadata, and interface usage history. Jamcard does not possess, and therefore cannot produce, sensitive KYC/AML documentation (which is exclusively collected and retained by our independent compliance partners). Furthermore, we have no technical ability to freeze, reverse, or confiscate decentralized on-chain assets.

 

9. Disclaimer of Warranties

THE SERVICES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS.

THE JAMCARD EXPRESSLY DISCLAIM ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

WE DO NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR FREE FROM VIRUSES OR MALICIOUS CODE.

 

10. Limitation of Liability

To the maximum extent permitted by applicable law, in no event shall the Jamcard, their affiliates, developers, or contributors be liable for any direct, indirect, punitive, incidental, special, consequential, or exemplary damages (including, but not limited to, loss of profits, data, digital assets, or goodwill) arising out of or in connection with your use of the Services, third-party partners, or underlying smart contracts.

Under no circumstances will the Jamcard be responsible for any damage, loss, or injury resulting from hacking, tampering, vulnerabilities, partner decisions, smart contract exploits (including those within integrated swap or ramp protocols), or other unauthorized access or use of the Services.

The Jamcard’ total aggregate liability for any claims arising out of these Terms or your use of the Services shall strictly not exceed the total amount you paid directly to Jamcard for paid features.

 

11. Indemnification

You agree to hold harmless, release, defend, and indemnify the Jamcard and their contributors from any claims, damages, obligations, losses, liabilities, costs, and expenses (including attorneys’ fees) arising from:

  • your use of the Services, decentralized swap protocols, or third-party partner integrations;
  • your violation of these Terms; or
  • your violation of any laws, rules, regulations, or the rights of any third party.
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12. Governing Law and Dispute Resolution

These Terms, and any dispute arising out of or relating to them, shall be governed by the laws of the State of Delaware, USA, without regard to conflicts of law principles.

Any dispute, controversy, or claim between you and Jamcard that cannot be resolved amicably shall be brought exclusively in the state or federal courts located in the State of Delaware (USA), unless applicable law requires another court.

 

13. Contact Us

If you have questions or comments about this Terms or our data practices, please contact us at:

  • Email: [email protected]
  • Address: JAM Platform LLC, 8 The Green, Suite A, Dover, DE 19901, USA