Last updated: March 2026
1. Acceptance
By accessing Privacy Gateway and using our platform, requesting or using the virtual prepaid VISA card, and/or any associated service, you fully accept these Terms and Conditions. If you do not agree, do not use the platform or the card.
2. Service
Privacy Gateway offers virtual prepaid VISA cards funded with cryptocurrency and converted to USD for use at merchants. Privacy Gateway is not a bank, financial institution, or card issuer. The card is issued and managed by licensed third-party providers.
3. Eligibility
To use this service you must be at least 18 years old and have full legal capacity to enter into binding agreements. You are solely responsible for understanding and complying with all applicable laws, regulations, and tax obligations related to your use of the service in your jurisdiction. All information you provide must be truthful, complete, and current.
4. User Responsibility
You are solely and exclusively responsible for all use of the card and platform. You assume full responsibility for any fraudulent or illegal use of the card, impersonation or use of third-party data, and violation of applicable laws in your jurisdiction. You agree to hold Privacy Gateway harmless from any claims, penalties, damages, losses, or legal costs arising from your conduct.
5. Prohibited Use
The card and platform may only be used for lawful purposes. Prohibited uses include money laundering, terrorist financing, fraud or identity theft, transactions subject to international sanctions, unauthorized gambling, and any activity that violates applicable law or these Terms.
6. Crypto Funding & Conversion
Only cryptocurrencies and networks listed in the platform at any given time are accepted. Sending via an unsupported network or asset may result in total and unrecoverable loss of funds. You are responsible for verifying the asset, network, and address before sending. Crypto deposits are converted to USD for card use at the rate displayed in the payment flow. Once a deposit is confirmed and converted to card balance, it cannot be withdrawn as cryptocurrency or fiat, cannot be refunded, and is available exclusively as card spending balance. You acknowledge that cryptocurrencies are highly volatile and that Privacy Gateway is not responsible for losses resulting from price fluctuations, network congestion, or third-party failures.
7. Fees
A loading fee applies to each card top-up and is deducted from the crypto amount received. No hidden fees apply to USD purchases. Applicable fees and conversion rates are displayed in the platform. Merchants or third-party providers may apply independent charges outside Privacy Gateway's control.
8. Subscription & Card Access
A subscription fee is charged once per month. Users are not obligated to continue using or topping up the card. If the card runs out of credit, subscription fees will not be charged until the card is reloaded. When the card is reloaded, any outstanding subscription fees will be collected, and card usage will resume once the balance is sufficient.
9. Access Hash
Your access hash is the sole method to access your card. You are fully responsible for storing it securely.
10. Suspension & Cancellation
You may request cancellation of the card through the platform. We may suspend, limit, or terminate access without prior notice in cases of non-compliance with these Terms, legal or regulatory requirements, or operational and security risk. Cards inactive for an extended period may be cancelled. Cancellation may result in the inability to recover balances per issuer rules.
11. Third-Party Dependence
Privacy Gateway depends on third parties such as card issuers, payment processors, and blockchain networks. We do not control these services and are not responsible for interruptions or failures. Use of these services is at your own risk.
12. Security
You are responsible for the security of your crypto wallets, custody of your private keys, and protection of your access credentials. Privacy Gateway implements reasonable technical and organizational security measures but does not guarantee absolute system invulnerability. You use the platform at your own digital security risk.
13. Limitation of Liability
Privacy Gateway provides the Service on an "as is" and "as available" basis. We do not guarantee uninterrupted availability or that the Card will be accepted by all merchants or in all jurisdictions. Users are responsible for complying with all applicable local laws and regulations when accessing or using the Service. To the maximum extent permitted by law, Privacy Gateway shall not be liable for any indirect, incidental, special, or consequential damages, including, without limitation, loss of profits, network failures, third-party interruptions, blockchain congestion, market volatility, or events beyond our reasonable control. In no event shall Privacy Gateway's total liability exceed the amount paid by the user for the specific transaction giving rise to the claim.
14. Privacy
Privacy Gateway is committed to protecting user privacy. We collect only the information necessary to provide the service, including name, email address, phone number (if provided), transaction data, and card identifiers. We do not sell user data. Data is shared only with card issuers and payment processors as required to operate the service.
15. Intellectual Property
The platform, trademarks, logos, interfaces, and content are the property of Privacy Gateway or its licensors. Reproduction, modification, or distribution without written authorization is not permitted.
16. Modifications
We may modify these Terms at any time. Continued use of the platform constitutes acceptance of the changes.
17. Governing Law
These Terms are governed by the laws applicable to the operation of Privacy Gateway.