Welcome to SpendNowPrepaid. By accessing or using our website and services, including our prepaid debit cards, you agree to the following Terms and Conditions. Please read them carefully.

1. Eligibility

To use SpendNowPrepaid services, you must:

• Be at least 18 years old.

• Provide accurate, complete, and up-to-date personal information.

• Comply with all applicable laws and regulations.

2. Account Registration

• You must create a SpendNowPrepaid account to use our services.

• You are responsible for maintaining the confidentiality of your login credentials.

• Any activity under your account is your responsibility. Notify us immediately if you suspect unauthorized access.

3. Prepaid Card Use

• Your SpendNowPrepaid card can be used wherever Visa/Mastercard is accepted, subject to card limits.

• The card is not a credit card; you may only spend the funds loaded onto it.

• Do not use the card for illegal transactions.

4. Fees and Limits

• Fees, reload limits, ATM withdrawal limits, and other charges are disclosed in the Fees & Limits section of our website.

• SpendNowPrepaid reserves the right to modify fees and limits with prior notice.

5. Loading Funds

• Funds can be added via supported payment methods.

• SpendNowPrepaid is not responsible for delays or errors caused by third-party payment providers.

6. Lost or Stolen Cards

• Immediately report lost or stolen cards to our support team.

• We may block or cancel your card to prevent unauthorized transactions.

• Replacement cards may be issued in accordance with our policies and fees.

7. Privacy

• Your personal information is governed by our Privacy Policy. By using our services, you consent to our collection and use of your information as described.

8. Limitation of Liability

• SpendNowPrepaid is not liable for indirect, incidental, or consequential damages arising from the use of our services.

• We do not guarantee uninterrupted access or error-free transactions due to circumstances beyond our control.

9. Termination

• We may suspend or terminate your account if you violate these Terms, engage in fraudulent activity, or breach applicable laws.

• You may also close your account at any time following our account closure procedures.

10. Governing Law

These Terms are governed by and construed in accordance with the laws of the United States. Any disputes will be resolved in the competent courts of the applicable jurisdiction.

11. Changes to Terms

SpendNowPrepaid may update these Terms & Conditions at any time. Updates will be posted on our website with a revised effective date. Your continued use of our services constitutes acceptance of the updated terms.

12. Contact Us

For questions regarding these Terms & Conditions:

• Email: support@spendnowprepaid.com

• Phone: (+1) 800-555-1234