Virtual Cards Terms of Service

Virtual Payment Cards

1. Terms and Definitions

1.1. Payment Partner — a bank or licensed provider responsible for the issuance of virtual cards and transaction processing.

1.2. Balance (BIN Balance) — the aggregate monetary balance of the User held with the Payment Partner, used to fund all linked virtual cards.

1.3. Virtual Card — a non-physical payment card issued against a BIN Balance and intended for payment of advertising and related digital services. Individual limits may be set for each card.

1.4. Team Access — a usage mode in which multiple accounts operate with a single BIN Balance and/or associated cards. All participants bear joint and several liability for transactions and obligations.

1.5. Authorization (hold) — temporary reservation of funds by a merchant, including recurring and subscription payments, which may subsequently be completed (captured) or released.

1.6. Inactivity Period — absence of any financial transactions (charges, top-ups, active cards) on the BIN Balance for three (3) consecutive calendar months.

2. Purpose of the Service

2.1. http://app.cyberyozh.com provides Users with a technical interface for:

• issuance of virtual cards;

• limit management;

• payment for advertising placements and related services (including but not limited to: Meta, Google, TikTok);

• expense tracking and analytics.

2.2. Virtual cards are intended exclusively for advertising and marketing purposes. Use of the cards for other transactions may result in suspension of service.

3. Registration and User Data

3.1. The User guarantees the accuracy of the information provided and bears responsibility for keeping it up to date.

3.2. For the purposes of compliance with legal requirements, payment system rules, and Payment Partner policies, additional identification and supporting documentation may be required.

4. Financial Terms

4.1. Availability of Funds

Card transactions are permitted only if a positive BIN Balance is available, taking into account all active authorizations and reserves.

4.2. Top-Ups

Available top-up methods, minimum amounts, and applicable fees are displayed in the service interface and may be changed without prior approval.

4.3. Limit Management

The User may independently allocate the available BIN Balance among cards by increasing or decreasing limits within the remaining balance.

4.4. Fees and Charges

All fees of the Payment Partner, payment systems, and service fees are deducted from the BIN Balance and may be reflected as separate transactions.

4.5. Refunds

Refund of remaining funds is possible provided there are no active subscriptions, pending authorizations, or outstanding obligations. Refunds to third parties are not permitted.

5. Subscriptions and Deferred Charges

5.1. The User is solely responsible for disabling subscriptions and recurring payments with advertising platforms and services prior to:

• closing a card;

• reducing card limits;

• submitting a refund request.

5.2. In the presence of active subscriptions, the User agrees in advance that the service and/or the Payment Partner may:

• reserve funds for expected charges;

• debit funds from the BIN Balance;

• apply subsequent top-ups toward settlement of previously incurred obligations.

5.3. In the event of insufficient funds and non-disabled subscriptions, the service may restrict functionality, suspend issuance of new cards, and apply additional service fees.

6. Inactivity Fee

6.1. Upon commencement of the Inactivity Period, the service reserves the right to charge a monthly maintenance fee of USD 2 + 2% of the current BIN Balance.

6.2. The fee is charged until activity resumes or until funds are fully depleted. Partial deductions are permitted where the balance is insufficient.

7. Risk Management and Restrictions

7.1. The service and/or the Payment Partner may impose restrictions, reduce limits, suspend transactions, or block cards/accounts upon detection of:

• abnormal or atypical activity;

• elevated transaction decline rates;

• indications of fraud or circumvention of restrictions;

• violations of advertising platform rules, payment system regulations, or applicable law.

7.2. High Decline Rate

If the permissible percentage of declined transactions is exceeded during a rolling 32-day period, increased withdrawal fees may apply:

• above 20% — 6%;

• above 40% — 12%.

7.3. Calculation methods and monitoring parameters may be уточнены and are published within the service interface.

8. Prohibited Categories and Activities

8.1. Use of cards for advertising or transactions related to the following is prohibited:

• exploitation of individuals and illegal content;

• narcotics, controlled substances, and weapons;

• malware, deceptive installations, and fraudulent schemes;

• any other categories prohibited by law, payment systems, or advertising platforms.

8.2. Any attempts of abuse, including fraud, chargeback manipulation, or exploitation of vulnerabilities, shall result in immediate blocking without compensation.

9. Liability of the Parties

9.1. The User bears full responsibility for advertising content and compliance with advertising network rules and applicable laws.

9.2. The service shall not be liable for decisions, restrictions, holds, or actions taken by third parties (including advertising platforms, acquirers, and others).

9.3. Granting access to third parties is performed at the User’s own risk; all transactions shall be deemed performed by the User.

10. Notices and Amendments

10.1. Official notices are sent to the email address specified in the account at support@cyberyozh.com.

10.2. The service reserves the right to amend these Terms; the updated version becomes effective upon publication.

10.3. In the event of material pricing changes, the service will endeavor to notify Users in advance, except where immediate action is required by regulators or the Payment Partner.

11. Term and Termination

11.1. These Terms are effective for an indefinite period. The User may discontinue use of the service with at least thirty (30) days’ notice, provided no outstanding obligations exist.

11.2. The service may terminate provision of services with five (5) days’ prior notice or immediately in the event of serious violations of these Terms, applicable law, or payment system rules.