Terms of Service

1.1. These Terms of Service (the “Terms”) govern the use of the HopFo service (the “Service”), provided by HopFo (the “Company”, “we”, “us”).

1.2. The Service is provided through the Company's website and a Telegram WebApp (the “Interface”).

1.3. By accessing or using the Service in any way, you (the “User”) confirm that you have read, understood and fully and unconditionally accept these Terms. If you do not agree with any provision, you must immediately stop using the Service.

1.4. The Company is not a bank, a credit institution, an electronic money institution or a payment service provider. The Service operates as a technical interface (an intermediary layer) that provides access to virtual payment cards and related functionality issued, maintained and processed by third parties (banks, payment systems, issuers and processors — the “Providers”).

1.5. The Company may amend these Terms and any conditions of the Service at any time, without prior notice. The current version is always available in the Interface. Continued use of the Service after changes constitutes acceptance of those changes.

2.1. The Service is available only to natural persons who are at least 18 years old and have full legal capacity in their jurisdiction.

2.2. The Service is provided for personal, non-commercial use only. Any business, commercial or entrepreneurial use is prohibited.

2.3. The User is solely responsible for compliance with all laws, regulations and tax obligations applicable in the User's country of residence and jurisdiction.

2.4. The User undertakes to provide accurate and up-to-date information and to keep it current.

2.5. The User is solely responsible for the security of their account, device, access credentials and Telegram account, and for any activity carried out through them. The Company is not responsible for any unauthorized access to the User's account.

2.6. The Service is not directed at, and is not available to, residents of, or persons located in, the European Union or the European Economic Area (the “EU/EEA”). By using the Service, the User confirms that they are not a resident of the EU/EEA and are not accessing the Service from the EU/EEA.

2.7. The Company may, at its sole discretion and without explanation, refuse, restrict, suspend or block access to the Service for any User who is, or appears to be, a resident of or located in the EU/EEA, and may close any related card without refund of fees already paid.

3.1. The Company and/or the Providers may, at their sole discretion, require the User to undergo identity verification (KYC) and to provide documents and information at any time, including before or after issuing a card or processing a transaction.

3.2. The Company may suspend, restrict or terminate access to the Service until verification is successfully completed, and may refuse to provide the Service if verification is not passed.

4.1. The User must not use the Service:

(a) in or in connection with sanctioned jurisdictions, or by persons subject to international sanctions (including UN, EU, OFAC and other restrictive lists);

(b) for gambling, betting, lotteries or any games of chance;

(c) for the purchase or sale of illegal goods or services;

(d) in connection with weapons, ammunition, drugs, narcotic or psychotropic substances;

(e) for adult content, escort or any prohibited services;

(f) for circumventing sanctions, payment-system rules or any restrictions;

(g) for money laundering, financing of terrorism, fraud or any other unlawful activity;

(h) for any purpose prohibited by applicable law or by the rules of the Providers.

4.2. The Company may, at its sole discretion and without explanation, refuse a transaction, block, suspend or terminate the User's access to the Service, and cancel or freeze a card, in particular where it suspects a breach of these Terms.

5.1. The Service may charge fees for any operation, including but not limited to: card issuance, card maintenance, funding (top-up), transaction processing and currency conversion.

5.2. The applicable fees, rates, limits, funding methods and conditions are determined by the Company and the Providers and may change at any time. The platform settings may vary. The current fees and conditions are always displayed to the User in the Interface at the moment of the relevant operation; by confirming the operation the User accepts them.

5.3. All fees are non-refundable. Payment for card issuance and any other paid operation is final and is not refunded, including where the card or the Service is not subsequently used.

5.4. Currency conversion is performed at the rate applicable at the time of the operation. The User is responsible for checking the rate before confirming.

5.5. A failed, declined or unsuccessful transaction attempt may still incur a fee in accordance with the rules of the Providers.

6.1. The Service does not provide a chargeback mechanism. The User may not initiate a chargeback through the Company.

6.2. Any disputes regarding goods or services purchased, or regarding the acceptance of a card, must be resolved by the User directly with the relevant merchant or Provider. The Company is not a party to such disputes.

7.1. The Service is provided on an “as is” and “as available” basis, without warranties of any kind.

7.2. To the maximum extent permitted by applicable law, the Company shall not be liable for any loss or damage arising from or in connection with: (a) any inability to use the Service, or any interruption, suspension or technical failure; (b) the acts or omissions of any Provider, bank, payment system or merchant, including refusal to accept or process a card; (c) unauthorized access to, or use of, the User's account, device or credentials; (d) any indirect, incidental, consequential, special or punitive damages, or loss of profit, data or goodwill.

7.3. The Company's aggregate liability to the User, for any and all claims, shall not exceed the total amount of fees and commissions actually paid by the User to the Company during the three (3) months immediately preceding the event giving rise to the claim.

8.1. The Company is not liable for any failure or delay in performance caused by circumstances beyond its reasonable control, including but not limited to: acts of authorities, changes in legislation or sanctions, actions of the Providers, failures of banks or payment systems, suspension or shutdown of Telegram, network or hosting failures, war, natural disasters and other events of force majeure.

9.1. All rights to the Service, the Interface, software, design, trademarks and content belong to the Company or its licensors.

9.2. The User must not copy, modify, distribute, decompile, reverse-engineer or otherwise exploit the Service or any part of it, except as expressly permitted by these Terms.

10.1. The Company may suspend or terminate the User's access to the Service at any time, without prior notice and without explanation.

10.2. The User may stop using the Service at any time. Termination does not give rise to any refund of fees already paid.

11.1. These Terms are governed by the laws of the Republic of Cyprus.

11.2. Any dispute shall be subject to the exclusive jurisdiction of the competent courts of Limassol, Cyprus.

11.3. Disputes are resolved on an individual basis only. Class, collective or representative actions are not permitted.

11.4. If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.

For any questions regarding these Terms or the Service, please contact: [email protected].