Terms of Use

1. Acceptance of Terms

By accessing, downloading, or using the SparkCash platform ("Service"), you agree to be bound by these Terms of Use ("Terms"). If you do not agree to these Terms, you may not access or use our Service.

These Terms constitute a legally binding agreement between you and SparkCash, Inc. ("SparkCash," "we," "us," or "our").

2. Description of Service

SparkCash is a financial technology platform that provides digital wallet services, cryptocurrency conversion, and financial management tools through partnerships with licensed financial institutions and service providers.

Our services include but are not limited to:

• Digital wallet services through banking partners
• Cryptocurrency conversion and management through regulated exchanges
• Payment processing and money transfer services
• Financial analytics and reporting tools
• Rewards and cashback programs

3. Eligibility and Account Registration

3.1 Eligibility Requirements

To use SparkCash, you must:

• Be at least 18 years of age
• Be located in the United States, US territories, or the European Economic Area (EEA)
• Provide accurate and complete information during registration
• Comply with all applicable laws and regulations in your jurisdiction
• Pass our identity verification process
• Have a valid government-issued identification document

3.2 Geographic Coverage

SparkCash services are available to individuals located in:

• 49 United States and the District of Columbia (excluding New York)
• US territories including Puerto Rico, US Virgin Islands, Guam, American Samoa, and Northern Mariana Islands
• European Economic Area (EEA) countries

You do not need to be a US citizen or permanent resident to use our services, but you must be physically located in one of the supported jurisdictions and comply with local regulations.

3.3 Account Security

You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You must immediately notify us of any unauthorized use of your account.

4. Financial Services and Partnerships

4.1 Banking Services

Banking services, including but not limited to deposit accounts, debit cards, and ACH transfers, are provided by our FDIC-insured banking partners. These services are subject to the terms and conditions of our banking partners.

4.2 Cryptocurrency Services

Cryptocurrency trading, conversion, and custody services are provided through our regulated exchange and custody partners. Cryptocurrency investments are subject to market risk and may lose value.

4.3 USDB Stablecoin

USDB is a digital asset designed to maintain a stable value relative to the US Dollar. While USDB is designed to be stable, it is not guaranteed to maintain its peg to the US Dollar and may fluctuate in value.

5. Fees and Charges

SparkCash may charge fees for certain services. All applicable fees will be clearly disclosed before you complete any transaction. Fees may include:

• Transaction processing fees
• Currency conversion fees
• ATM withdrawal fees (charged by ATM operators)
• International transaction fees
• Account maintenance fees (if applicable)

We reserve the right to modify our fee structure with 30 days' notice to users.

6. Prohibited Activities

You agree not to use SparkCash for any of the following prohibited activities:

• Illegal activities or transactions
• Money laundering or terrorist financing
• Fraud, forgery, or identity theft
• Gambling or betting activities (where prohibited)
• Adult entertainment services
• Sale of controlled substances
• Activities that violate intellectual property rights
• Market manipulation or insider trading
• Circumventing our security measures

7. Privacy and Data Protection

Your privacy is important to us. Our collection, use, and disclosure of your personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference.

By using SparkCash, you consent to the collection, use, and sharing of your information as described in our Privacy Policy and as required for compliance with applicable financial regulations.

8. Compliance and Regulatory Requirements

8.1 Know Your Customer (KYC)

We are required to verify your identity and may request additional documentation to comply with federal regulations, including the Bank Secrecy Act and USA PATRIOT Act.

8.2 Anti-Money Laundering (AML)

We monitor transactions for suspicious activity and may report certain transactions to regulatory authorities as required by law. We may freeze or close accounts that exhibit suspicious activity.

8.3 Tax Reporting

You are responsible for reporting and paying all applicable taxes on your SparkCash transactions. We may provide tax reporting documents as required by law.

9. Disclaimers and Limitations of Liability

9.1 Service Availability

While we strive to provide continuous service, SparkCash is provided "as is" and "as available." We do not guarantee uninterrupted access to our services and may experience downtime for maintenance or technical issues.

9.2 Investment Risks

SparkCash does not provide investment advice. All investment decisions are made at your own risk. Cryptocurrency and other investments may lose value, and past performance does not guarantee future results.

9.3 Limitation of Liability

To the maximum extent permitted by law, SparkCash shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or use.

10. Account Termination

We may suspend or terminate your account at any time for violation of these Terms, suspicious activity, or as required by law. You may also close your account at any time by contacting customer support.

Upon account closure, you will have access to withdraw your funds subject to applicable regulations and our security procedures.

11. Dispute Resolution

11.1 Arbitration Agreement

Any disputes arising from these Terms or your use of SparkCash will be resolved through binding arbitration rather than in court, except for small claims court matters.

11.2 Governing Law

These Terms are governed by the laws of the State of Delaware, without regard to conflict of law principles.

12. Changes to Terms

We may modify these Terms at any time by posting the updated Terms on our website. Material changes will be communicated to you via email or through the SparkCash platform.

Your continued use of SparkCash after changes to these Terms constitutes acceptance of the new Terms.

13. Contact Information

If you have questions about these Terms or need to contact us regarding your account, please reach out to us: