Terms of Service

1. ACCEPTANCE OF TERMS

Welcome to Plu ("Plu," "we," "us," or "our"). These Terms of Service ("Terms") govern your access to and use of the Plu platform, including our website, mobile applications, virtual and physical card services, and related services (collectively, the "Services").

By creating an account, accessing, or using our Services, you agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, you may not access or use our Services.

1.1 Eligibility

To use our Services, you must:

• Be at least 18 years of age
• Have the legal capacity to enter into a binding contract
• Not be prohibited from using our Services under applicable laws
• Reside in a jurisdiction where our Services are available
• Successfully complete our identity verification (KYC) process

1.2 Account Registration

You agree to:

• Provide accurate, current, and complete information during registration
• Maintain and promptly update your account information
• Keep your login credentials secure and confidential
• Notify us immediately of any unauthorized access
• Be responsible for all activities under your account

2. SERVICES DESCRIPTION

2.1 Plu Platform

Plu is a financial management platform that provides:

• Virtual card issuance for cryptocurrency payments
• Physical card services (subject to qualification requirements)
• Multi-wallet support (EVM, Solana, TRON, Stellar networks)
• Cryptocurrency deposit and withdrawal services
• Money transfer services between Plu users
• Time-locked vault services with interest earnings
• Credit services (subject to qualification and approval)
• Transaction tracking and management tools

2.2 Subscription Tiers

We offer three subscription tiers with annual billing:

2.3 Qualification Requirements

Access to certain features requires qualification based on:

• Account age (minimum 180 days)
• Cumulative spending threshold ($500+)
• Active Mid or Premium tier subscription
• Successful completion of KYC verification
• Compliance with our terms and policies

3. CARD SERVICES

3.1 Virtual Cards

Virtual cards are issued through our partner, Rain API, and are subject to:

• Spending limits based on your subscription tier
• Daily and per-transaction limits
• Merchant category restrictions as determined by us or our partners
• Real-time balance availability

3.2 Physical Cards

Physical cards:

• Require completion of qualification requirements
• Are subject to shipping fees and timelines
• Must be activated before use
• Remain our property and must be returned or destroyed upon request
• May be frozen, suspended, or terminated at our discretion

3.3 Card Usage Restrictions

You agree NOT to use your Plu cards for:

• Illegal activities or prohibited transactions
• Cash advances or cash equivalents
• Gambling or gaming services (where prohibited)
• Adult content or services
• Transactions in sanctioned countries or with sanctioned parties
• Money laundering or terrorist financing
• Any activity that violates applicable laws or regulations

3.4 Card Security

You are responsible for:

• Safeguarding your card information
• Reporting lost or stolen cards immediately
• Monitoring transactions for unauthorized activity
• Disputing fraudulent transactions within 60 days of occurrence

4. FINANCIAL SERVICES

4.1 Deposits

When depositing cryptocurrency:

• Deposits are subject to blockchain confirmation requirements
• We may impose minimum and maximum deposit limits
• Deposit addresses are unique to your account
• You are responsible for sending to the correct address and network
• We are not responsible for funds sent to incorrect addresses

4.2 Withdrawals

Withdrawals are subject to:

• Verification of account ownership
• Available balance requirements
• Network fees (which you will pay)
• Withdrawal limits based on your tier and account status
• Processing times based on blockchain network conditions
• Anti-fraud and security reviews

4.3 Transfers

Money transfers between Plu users:

• Are processed in real-time when both parties have verified accounts
• May be subject to transaction limits
• Are final and irreversible once confirmed
• Must not be used for commercial purposes without our approval

4.4 Vault Services

Our time-locked vault services:

• Lock funds for specified periods (3, 6, 12, or 24 months)
• Earn interest based on lock period and current rates
• Are subject to early withdrawal penalties
• Do not guarantee specific interest rates for future deposits
• May be modified or discontinued with notice

4.5 Credit Services

Credit services, when available:

• Operate on 2-month credit cycles
• Are subject to creditworthiness assessment
• Include annual credit allocations based on your tier
• Require timely repayment to maintain eligibility
• May result in credit line increases for qualified users
• Are provided at our sole discretion and may be revoked

5. FEES AND PAYMENT

5.1 Subscription Fees

• Subscription fees are billed annually in advance
• All fees are non-refundable except as required by law
• We reserve the right to change fees with 30 days' notice
• Failed payments may result in service suspension or downgrade

5.2 Transaction Fees

We may charge fees for:

• Cryptocurrency withdrawals (network fees)
• Physical card shipping and replacement
• International transactions
• ATM withdrawals (where available)
• Expedited services
• Account closure or inactivity

5.3 Payment Processing

• All payments must be made in the specified cryptocurrency or fiat currency
• You authorize us to charge your designated payment method
• You are responsible for sufficient funds to cover fees
• Disputed charges must be raised within 60 days

6. KNOW YOUR CUSTOMER (KYC) AND COMPLIANCE

6.1 Identity Verification

We use Persona and other service providers to verify your identity. You agree to:

• Provide government-issued identification documents
• Provide a clear photograph or video selfie
• Provide proof of address
• Answer verification questions truthfully
• Submit to enhanced due diligence if required

6.2 Ongoing Compliance

We reserve the right to:

• Request updated verification information at any time
• Suspend services pending verification
• Terminate accounts that fail verification
• Report suspicious activities to authorities
• Comply with subpoenas and legal requests

6.3 Sanctions and Restricted Persons

You represent that you are not:

• Located in a sanctioned country
• Listed on any sanctions list (OFAC, UN, EU, etc.)
• Owned or controlled by a sanctioned person or entity
• Engaged in activities subject to sanctions

7. PROHIBITED ACTIVITIES

You agree NOT to:

• Violate any laws, regulations, or third-party rights
• Use our Services for fraudulent or illegal purposes
• Manipulate, interfere with, or disrupt our Services
• Attempt to gain unauthorized access to our systems
• Use automated systems (bots, scrapers) without permission
• Create multiple accounts to circumvent limits
• Share or sell your account access
• Reverse engineer our software or systems
• Engage in market manipulation or wash trading
• Use our Services for money laundering or terrorist financing
• Provide false or misleading information
• Harass, abuse, or harm other users

8. INTELLECTUAL PROPERTY

8.1 Our Rights

All content, features, and functionality of our Services, including but not limited to:

• Software, code, and algorithms
• Text, graphics, logos, and designs
• Trademarks and service marks
• Proprietary processes and methodologies

Are owned by Plu or our licensors and are protected by intellectual property laws.

8.2 Limited License

We grant you a limited, non-exclusive, non-transferable, revocable license to access and use our Services for personal, non-commercial purposes in accordance with these Terms.

8.3 Restrictions

You may not:

• Copy, modify, or create derivative works
• Distribute, sell, or sublicense our content
• Remove proprietary notices
• Use our trademarks without permission

9. THIRD-PARTY SERVICES

9.1 Integration Partners

We integrate with third-party services including:

• Rain API - Card issuance and processing
• Persona - Identity verification
• Crossmint - Wallet and cryptocurrency services
• Supabase - Database infrastructure
• Railway - Hosting services

Your use of these services is subject to their respective terms and policies.

9.2 No Endorsement

We do not endorse or assume responsibility for third-party services, websites, or content linked from our platform.

9.3 Cryptocurrency Networks

Transactions on blockchain networks are governed by the protocols of those networks. We are not responsible for:

• Network delays or failures
• Changes to blockchain protocols
• Lost or misdirected transactions
• Network fees or gas costs

10. DISCLAIMERS AND LIMITATIONS OF LIABILITY

10.1 Service Availability

WE PROVIDE OUR SERVICES "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

• MERCHANTABILITY
• FITNESS FOR A PARTICULAR PURPOSE
• NON-INFRINGEMENT
• UNINTERRUPTED OR ERROR-FREE OPERATION
• ACCURACY OR RELIABILITY OF INFORMATION

10.2 No Investment Advice

We do not provide:

• Investment advice or recommendations
• Tax, legal, or accounting advice
• Guarantees of returns or profits
• Price predictions or market analysis

You should consult appropriate professionals before making financial decisions.

10.3 Cryptocurrency Risks

You acknowledge that cryptocurrency:

• Is highly volatile and may lose value
• Is subject to regulatory uncertainty
• May be subject to theft or hacking
• Transactions are irreversible
• Is not insured by FDIC or SIPC

10.4 Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, PLU AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AFFILIATES SHALL NOT BE LIABLE FOR:

• INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES
• LOSS OF PROFITS, REVENUE, DATA, OR BUSINESS OPPORTUNITIES
• SERVICE INTERRUPTIONS OR DELAYS
• UNAUTHORIZED ACCESS TO YOUR ACCOUNT
• ERRORS IN TRANSACTIONS OR BALANCES
• THIRD-PARTY ACTIONS OR FAILURES

OUR TOTAL LIABILITY SHALL NOT EXCEED THE GREATER OF (A) $100 OR (B) THE FEES YOU PAID IN THE 12 MONTHS PRECEDING THE CLAIM.

10.5 Indemnification

You agree to indemnify, defend, and hold harmless Plu and its affiliates from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from:

• Your use of our Services
• Your violation of these Terms
• Your violation of any laws or third-party rights
• Your negligence or willful misconduct

11. DISPUTE RESOLUTION

11.1 Governing Law

These Terms are governed by the laws of [Your Jurisdiction] without regard to conflict of law provisions.

11.2 Arbitration Agreement

You agree that any dispute, claim, or controversy arising out of or relating to these Terms or our Services shall be resolved through binding arbitration rather than in court, except that:

• You may bring claims in small claims court if they qualify
• Either party may seek injunctive relief in court for IP violations

The arbitration shall be conducted by a single arbitrator under the rules of [Arbitration Organization], and judgment on the award may be entered in any court with jurisdiction.

11.3 Class Action Waiver

YOU AGREE TO BRING CLAIMS ONLY IN YOUR INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY CLASS, CONSOLIDATED, OR REPRESENTATIVE ACTION.

11.4 Time Limitation

You must bring any claim within one (1) year of the cause of action arising, or the claim is permanently barred.

12. TERMINATION

12.1 Termination by You

You may close your account at any time by:

• Withdrawing all funds
• Contacting our support team
• Following our account closure process

You remain liable for any outstanding obligations.

12.2 Termination by Us

We may suspend or terminate your account immediately without notice if:

• You violate these Terms
• We suspect fraudulent, illegal, or suspicious activity
• Required by law or regulatory authorities
• You fail KYC verification
• Your account remains inactive for an extended period
• We discontinue services in your jurisdiction

12.3 Effect of Termination

Upon termination:

• Your license to use our Services ends immediately
• You must cease all use of our platform
• You must withdraw funds within 90 days (subject to verification)
• We may retain information as required by law
• Sections that by their nature should survive will remain in effect

13. MODIFICATIONS

13.1 Changes to Terms

We reserve the right to modify these Terms at any time. We will notify you of material changes by:

• Email to your registered address
• Notice on our platform
• In-app notification

Continued use after changes constitutes acceptance.

13.2 Changes to Services

We may:

• Modify, suspend, or discontinue features
• Change fees with notice
• Add or remove supported cryptocurrencies
• Adjust limits and requirements

14. GENERAL PROVISIONS

14.1 Entire Agreement

These Terms, together with our Privacy Policy and any additional agreements, constitute the entire agreement between you and Plu.

14.2 Severability

If any provision is found unenforceable, the remaining provisions remain in effect.

14.3 No Waiver

Our failure to enforce any right does not constitute a waiver of that right.

14.4 Assignment

You may not assign these Terms. We may assign our rights and obligations to any affiliate or successor.

14.5 Force Majeure

We are not liable for delays or failures due to circumstances beyond our reasonable control, including:

• Natural disasters
• War or terrorism
• Government actions
• Network or system failures
• Blockchain network issues

14.6 Notices

Notices to you may be provided by email or through our platform. Notices to us must be sent to:

14.7 Language

These Terms are provided in English. Any translations are for convenience only, and the English version controls.

15. CONTACT INFORMATION

For questions about these Terms, please contact:

By using our Services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service.