1. Introduction

These Terms and Conditions (“Terms”) govern your use of Vaultz Capital’s services, including accounts, cards, payments, and related platforms. By registering or using our services, you agree to these Terms. Please read them carefully.

2. Eligibility

• You must be at least 18 years old.

• You must complete our Know Your Customer (KYC) and Anti-Money Laundering (AML) checks.

• Vaultz Capital may request additional information and may refuse or close an account at its discretion.

3. Our Services

Vaultz Capital provides:

• Personal and business accounts

• Debit and prepaid cards

• Domestic and international payments

• Foreign exchange (FX) services

• Merchant acquiring and payout gateway solutions

4. Fees & Charges

• All applicable fees are listed in our Fee Schedule.

• Fees may include account maintenance, card charges, transaction fees, FX margins, and merchant processing fees.

• We may change fees with 30 days’ prior notice.

5. Safeguarding of Funds

• Client funds are held in safeguarded accounts with regulated banking partners.

• Vaultz Capital does not invest, lend, or otherwise use your funds for its own benefit.

6. Refunds, Disputes & Chargebacks

• Refunds and chargebacks are handled under applicable banking and card scheme rules.

• You may be required to provide evidence in dispute cases.

• Vaultz Capital may delay or restrict refunds if fraud is suspected.

7. Prohibited Activities

You may not use Vaultz Capital services for:

• Money laundering or terrorist financing

• Fraud or scams

• Illegal gambling or high-risk activities not approved by Vaultz Capital

• Transactions that violate sanctions or applicable law

Vaultz Capital reserves the right to suspend or terminate your account immediately if prohibited use is detected.

8. Liability

• We are not liable for indirect or consequential losses.

• Our liability is limited to the amount of the disputed transaction, unless otherwise required by law.

9. Termination

• You may close your account at any time by contacting us.

• We may suspend or close your account if you breach these Terms, if required by law, or if suspicious activity is detected.

10. Governing Law

These Terms are governed by the laws of Canada. Any disputes will be subject to the jurisdiction of Canadian courts.

11. Contact Us

Vaultz Capital Ltd
Registered Office: The Network Hub, 422 Richards Street, Unit 170, Vancouver, BC, Canada
MSB Registration No.: M23033921 (FINTRAC)
Email: support@vaultzcapital.com