Terms and Conditions

1. Terms

Welcome to the Klien Card. ("Klien Card") website located at https://www.kliencard.com (the "Site"). By accessing the Site and/or using any of Klien Card's Services (as defined below), you agree to be bound by these Terms of Service (these "Terms"). You must read, agree with and accept all of the terms and conditions set forth in these Terms, including Klien Card's Privacy Policy found at kliencard.com/page/privacy, before you may sign up for an account with Klien Card to use the Services. These Terms include an agreement to resolve disputes by arbitration on an individual basis.

If you do not agree with any of these Terms, do not use the Site or the Services. If you are entering into these Terms on behalf of a company or other legal entity, you represent that you have the legal authority to bind it to these Terms and any reference to "you" herein shall also be deemed to include such company or other legal entity. If you do not have such authority, you may not access and use the Site and the Services on behalf of such entity.

The services offered by Klien Card under these Terms include various products and services. Klien Card products and services are for business purposes only and are not to be used for personal, family, or household purposes. Any such products and services offered by Klien Card, including, but not limited to the Wallet and Card described in Section 5 below, are collectively referred to in these Terms as the "Services". Any new features or tools which are added to the current Services shall be also subject to these Terms.

2. License to Use Our Website

We grant you a non-assignable, non-exclusive and revocable license to use the software provided as part of our services in the manner permitted by these Terms. This license grant includes all updates, upgrades, new versions and replacement software for you to use in connection with our services.

The services are protected by copyright, trademark, and other laws. Nothing in this Term gives you a right to use the KlienCard name or any of Klien Card  trademarks, logos, domain names, and other distinctive brand features. All right, title and interest in and to the services are and will remain the exclusive property of Klien Card and its licensors.

If you do not comply with all the provisions, then you will be liable for all resulting damages suffered by you, Klien Card and all third parties. Unless otherwise provided by applicable law, you agree not to alter, re-design, reproduce, adapt, display, distribute, translate, disassemble, reverse engineer, or otherwise attempt to create any source code that is derived from the software.

Any feedback, comments, or suggestions you may provide to us and our services is entirely voluntary and we will be free to use such feedback, comments or suggestion as we see fit without any obligation to you.

2.a Who May Use our Service?

You may use the Services only if you agree to form a binding contract with KlienCard and are not a person barred from receiving services under the laws of the applicable jurisdiction. If you are accepting these Terms and using the Services on behalf of a company, business, or organization, you represent and warrant that you are authorized to do so.

3. Restriction and Account

To access and use the Services, you must register for an account with Klien Card (an "Account") by providing certain required information. Klien Card may reject your application for an Account, or cancel an existing Account, for any reason, in its sole discretion. You must be the older of: (i) 18 years, or (ii) at least the age of majority in the jurisdiction where you reside and from which you use the Services to open an Account. You must be a legal resident of the United States and not on the US Department of Treasury Specially Designated Nationals or Blocked Persons Lists to register and use the Services.

You acknowledge that Klien Card will use the email address you provide when opening an Account, or as updated by you from time to time, as the primary method for communication with you. You must monitor the primary Account email address you provide to Klien Card and your primary Account email address must be capable of both sending and receiving messages. You are responsible for keeping your password secure. Klien Card cannot and will not be liable for any loss or damage from your failure to maintain the security of your Account and password. You are responsible for all activity and all content, materials, information and data uploaded, collected, generated, stored, displayed, distributed, transmitted or exhibited by or in connection with your Account, including without limitation, any business or personal data provided in connection with any application for funding or grants (collectively, the "Materials"). Klien Card may, but is not obligated to, remove the Materials and suspend or terminate your Account if we determine in our sole discretion that the Materials violate these Terms.

3.a Limitations of Liability

You agree to the limitation liability clause to the maximum extent permitted by applicable law: kliencard will in no way be liable for any direct, indirect, incidental punitive, consequential, special or exemplary damages or any damages including damages resulting from revenue loss, profit loss, use, data, goodwill , business interruption or any other intangible losses (whether kliencard has been advised of the possibility of such damages or not) arising out of kliencard website or services (including, without limitation to inability to use, or arising from the rusult of use of kliencard website or services) whether such damages are based on warranty, tort, contract, statute or any other legal theory.

Some jurisdictions do not allow exclusion of certain warranties or limitations on the sope and duration of such warranties, so the above disclaimers may not apply to you in their entirities, but will apply to the maximum extent permitted by applicable law.

4. Third Party Services

Third-Party Services are made available only as a convenience, and your purchase, access or use of any such Third-Party Services is solely between you and the applicable provider of such Third-Party Services (each a "Third-Party Provider"). 

In addition to these Terms, you also agree to be bound by the additional service-specific terms applicable to services you purchase from, or that are provided by, Third-Party Providers. 

Any use by you of Third-Party Services offered through the Site or Services is entirely at your own risk and discretion, and it is your responsibility to read the terms and conditions and/or privacy policies applicable to such Third-Party Services before using them. Klien Card does not provide any warranties or make representations to you with respect to Third-Party Services. You acknowledge that Klien Card has no control over Third-Party Services and shall not be responsible or liable to you or anyone else for such Third-Party Services. 

5. Card and Wallet

Through the Klien Card Wallet feature of the Services (the "Wallet"), you can receive and send funds internally. Through the Klien Card feature of the Services (the "Card"), you are issued a business charge card which can be used to spend funds from Wallet. You may also use the Wallet to pay any fees you owe to Klien Card. You agree not to use the Wallet and/or Card for personal, family, or household purposes.

Upon completion of signing up for an Account, Klien Card may conduct a Know Your Customer and/or Know Your Business check in order to pre-authorize you for a Wallet account, Card, or other Services. Unless your Klien Card account will be block and disabled, and assuming a satisfactory completion of the Know Your Customer and/or Know Your Business check, a Klien Card account will automatically be setup and activated by Klien Card Management on your behalf. By agreeing to these Terms, you consent to Ambrook (i) conducting a Know Your Customer and/or Know Your Business check on you and/or your business and (ii) setting up and activating a Wallet account for you, unless you expressly decline to use the Wallet as described above. These checks may include:

asking you for further information, such as your date of birth, a social security or taxpayer identification number, your physical address and other information that will allow us to reasonably identify you;

requiring you to take steps to confirm ownership of your email address, phone number or financial instruments;

ordering a credit report from a credit reporting agency, or verifying your information against third-party databases or through other sources; or

requiring you to provide your driver's license or other identifying documents.

Anti-money laundering and counter-terrorism financing laws may require that we verify the required identifying information if you use certain Services. We reserve the right to close, suspend, or limit access to your account and/or the Services in the event that, after reasonable enquiries, we are unable to obtain information about you required to verify your identity.

It is your sole responsibility to maintain your account and Card. If you do not wish to keep your account active, it is your responsibility to request that Klien Card deactivate it. If you wish to freeze or deactivate a Card, it is your responsibility to request that Klien Card do so Or You can do by your self from dashboard.

By using the Klien Card Services, you agree to be bound by the Stripe Services Agreement, including all related policies, and updates and modifications SPC or Stripe, Inc. may make to any of the same (collectively, the "Stripe Terms"). You further agree that any necessary banking services related thereto will be provided by Evolve Bank & Trust, Member FDIC ("Evolve"). We are the Platform Provider under the Stripe Terms and you authorize us to access, initiate Financial Account Transactions (as defined in the Stripe Term), make deductions, and otherwise provide instructions to Stripe on your behalf in connection with the Stripe Account through the Wallet.

If you request to be issued a Card, you authorize us to arrange for issuance of a Card through Stripe, Inc., and you acknowledge that:

The name of our Card program is the Klien Card Program.

The Card is issued by Celtic Bank, a Utah-chartered, Federal Deposit Insurance corporation-insured bank located in Salt Lake City, Utah and the Card program is issued by Stripe, Inc.

The Card will be a Visa Commercial Credit card.

You further agree to the Stripe Issuing Spend Card User Terms (“Stripe Card Terms”).

We reserve the right to terminate or suspend access to the Wallet and/or Card in our sole discretion if you are in violation of these Terms, the Stripe Terms or if we reasonably suspect any fraudulent or illegal activity through the Wallet, Card or Stripe Account.

For the avoidance of doubt, and as mentioned above, Stripe, Evolve, and Celtic are Third-Party Providers. You agree that you are solely responsible for all Financial Account Transactions through the Wallet, Card, and Stripe Account and that we have no responsibility for the services provided by Stripe, Evolve, or Celtic.

Please refer to the Stripe Services Agreement. If we receive a complaint regarding the Wallet or the Card, we will forward that complaint to Stripe for further response.

6. Virtual Credit Card

We reserve the right to Suspend, Delete or Freeze your credit card "With" or "Without" any notice.

Card Deleting: If your card was deleted by "YOU" or by "US" that is permanently, recovery is not possible in any case, any fund in your card will also non-refundable.

6.a Restriction

Our virtual cards are restricted for use on some sites, we've listed a few of those merchant categories below. Money transfer sites e.g. Moneygram, western union, WorldRemit etc. Digital Gaming and Sports Betting Sites e.g. Paddybet, Draftkings etc. Dating and escort services e.g. Pornographic sites, Onlyfans etc. Teleservice & Telemarketing sites (healthcare products, beauty products etc.). Private loan shacks and forex sites. Giftcard & bitcoin sites. Video rental sites and merchants. You will find more details here "Legal".

7. Cookies

we use cookies to identify you as a user and to customize and improve our services. A cookie is a small data file that is transferred to your computer or mobile device. It enables us to remember your account log-in information, IP addresses, web traffic, number of times you visit, date and time of visits.

Some browsers may automatically accept cookies while some can be modified to decline cookies or alert you when a website wants to place a cookie on your computer. If you do choose to disable cookies, it may limit your ability to use our website.

8. Payments and Fee

Deposit: Any payment made to KlienCard is Non-Refundable in any case.

Withdraw From Card: We reserve the right to disable or enable withdraw from card.

Fees: We reserve the right to increase or decrease the fee of our any service.

9. Third Party and Partners Terms

You are required to accept our partners and third party terms and conditions are listed below,

10. General

We may revise these Terms from time to time. The changes will not be retroactive, and the most current version of the Terms which will always be on Terms Page and will govern our relationship with you. We will also try to notify you of any material changes which could be done via email associated with your account or service notification. By continuing to use our services after the changes become effective, you agree to be bound by the revised Terms.

Last Updated on : 24/07/2022