Terms of Service

This website and the Zen Card platform are operated by Otaro Pay Ltd, FINTRAC M23150730, registered at Suite 250 - #1585 997 Seymour St, Vancouver BC V6B 3M1 ("Zen Card", "we"). By accessing the website or using the platform you accept these terms. If you do not accept them, do not use the service.

Zen Card provides technology: a card issuing and processing platform, an integration layer, and the operational infrastructure around them. Zen Card is not a bank. It does not hold a banking or e-money licence, does not take deposits, does not extend credit, does not provide investment services, and does not issue cards in its own right.

Cards, payment accounts, credit facilities and yield-bearing products referenced on this site are provided by licensed financial institutions. Your relationship for those products is with that institution, governed by its terms, subject to its approval, and regulated in its jurisdiction. Where those terms conflict with these, the issuing institution's terms govern the financial product.

You must be of legal age to enter into a binding contract and to hold a payment account in your jurisdiction. You must not be resident in, or accessing the service from, a jurisdiction on the applicable exclusion list maintained for scheme, sanctions and regulatory compliance, and you must not be a person subject to sanctions.

You are responsible for the security of your credentials and for activity under your account. Enable the security controls available to you, keep your contact details current, and notify us or your issuing institution promptly if you suspect unauthorised access. We may suspend access where we reasonably suspect fraud, a security compromise, a breach of these terms, or where required by law or by scheme rules.

You must not use the service for unlawful purposes, to launder money or finance terrorism, to evade sanctions, to facilitate fraud, or in breach of card scheme rules. You must not attempt to gain unauthorised access to the platform, interfere with its operation, scrape it at scale, reverse engineer it except to the extent that right cannot lawfully be excluded, or use it to build a competing service.

Fees applicable to a card or account are set by the issuing institution and disclosed in its product terms before you commit. Institutional platform pricing is agreed in a separate written commercial agreement. Nothing on the public website is an offer of specific pricing.

Nothing on this website or in the platform is financial, investment, tax or legal advice, an offer, or a solicitation. Digital assets are volatile, capital is at risk, and past performance indicates nothing about future results. Collateralised borrowing carries the risk of liquidation. You are responsible for your own decisions and for determining the tax treatment that applies to you.

We aim for continuous availability but do not guarantee it. The service may be unavailable during maintenance, or because of failures in third-party systems including card schemes, banking partners, blockchain networks and connectivity providers. Product availability and features vary by jurisdiction and by issuing institution.

The platform, the website and their content, excluding your own data and any third-party marks, are owned by Zen Card or its licensors. You get a limited, revocable, non-exclusive, non-transferable right to use the service as permitted by these terms and nothing more. Visa and other scheme marks belong to their respective owners.

Nothing in these terms limits liability that cannot lawfully be limited, including for fraud, fraudulent misrepresentation, death or personal injury caused by negligence. To the fullest extent permitted by law, Zen Card is not liable for indirect or consequential loss, loss of profit, loss of business, or loss arising from the volatility or loss of value of digital assets. Any aggregate cap on liability is to be set in the final, counsel-reviewed version of these terms.

We may amend these terms. Material changes will be notified in advance where required by law, and continued use after they take effect constitutes acceptance. We may suspend or terminate access in the circumstances described above; you may stop using the service at any time, subject to your issuing institution's own account closure process.

Questions about these terms: info@otaropay.com.