User Agreement

UPDATED: August 31, 2019

This Yellow Card User Agreement (“Agreement”) is a contract between you and Yellow Card Financial, LLC (“Yellow Card” “we,” or “us”). By using the website, yellowcard.io, and any associated websites, APIs, mobile applications, or retail products and/or services (collectively the “Yellow Card Site & Services”), you agree to be legally bound to this Agreement and acknowledge that you have read, understood, and accept all the terms and conditions contained in this Agreement, our Privacy Policy, and E-Sign Consent.

1. Construction and Terminology

1.1 Construction. The titles of the sections of this Agreement are for convenience of reference only and are not to be considered in construing this Agreement. Unless the context of this Agreement clearly requires otherwise: (a) references to the plural include the singular, the singular the plural, and the part the whole; (b) references to one gender include all genders; (c)“or” has the inclusive meaning frequently identified with the phrase “and/or;” (d) “including” has the inclusive meaning frequently identified with the phrase “including but not limited to” or “including without limitation;” and (e) references to “hereunder,” “herein,” or “hereof” relate to this Agreement as a whole. Any reference in this Agreement to any statute, rule, regulation, or agreement, including this Agreement, shall be deemed to include such statute, rule, regulation, or agreement as it may be modified, varied, amended, or supplemented from time to time.

1.2 “Digital Currency” or “Digital Currencies” means any and all supported virtual currencies, cryptocurrencies, and digital assets offered through Yellow Card Site & Services.

1.3 “Yellow Card Wallet” means the Digital Currency wallet(s) that Yellow Card provides as a service for you to store, send, and receive Digital Currency.

1.4 “Personal Wallet” or “Personal Wallet Address” means the public key of any Digital Currency wallet to which you request Yellow Card to send purchased Digital Currency or Digital Currency stored in your Yellow Card Wallet.

1.5 “Buy Price” means the price, in any fiat currency or Digital Currency, at which you may buy a supported Digital Currency from Yellow Card.

1.6 “Sell Price” means the price, in any fiat currency or Digital Currency, at which you may sell a supported Digital Currency to Yellow Card.

1.7 “Exchange Rate” means, same as either Buy Price or Sell Price, the price of a supported Digital Currency given in any fiat currency or Digital Currency as quoted by Yellow Card.

1.8 “Purchase Order” or “Purchase Orders” means any purchase of Digital Currency from Yellow Card. A Purchase Order is considered active and open when submitted. A Purchase Order is considered completed and closed when your Yellow Card account has been debited and the Digital Currency has been sent to your Yellow Card Wallet or Personal Wallet.

1.9 “Sale Order” or “Sale Orders” means any sale of Digital Currency to Yellow Card. A Sale Order is considered active and open when submitted. A Sale Order is considered completed and closed when your Yellow Card Wallet is debited or Digital Currency has been received and your Yellow Card account has been credited.

1.10 “Yellow Card Site” means, collectively, Yellow Card’s website, yellowcard.io, and any associated websites, APIs, and mobile applications.

1.11 “Yellow Card Services” means any and all products and services offered by Yellow Card, including, but not limited to, the Yellow Card gift cards, PINs, account top-up, buying Digital Currency, and selling Digital Currency.

1.12 “Funding Method” or “Funding Methods” means any and all methods of funding a Yellow Card account offered by Yellow Card, including, but not limited to, Yellow Card gift cards, PINs, sending Digital Currency to your Yellow Card Wallet, credit or debit card, bank transfer, and third-party funding services.

1.13 “Service Fee” or “Service Fees” means any costs and/or fees Yellow Card charges for performing any of the Yellow Card Services.

1.14 “Permitted Jurisdiction” means any country, state, or jurisdiction in which Yellow Card expressly permits the use of Yellow Card Services. Any other country, state, or jurisdiction not expressly permitted is to be considered restricted or unavailable.

1.15 “Yellow Card Merchant” means any Yellow Card merchant, agent, location, store, or other third-party entity that offers Yellow Card Services and Funding Methods, including, but not limited to, Yellow Card gift cards, Yellow Card PINs, and Yellow Card account top-up.

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