Legal Disclaimer
⚖️ Legal Disclaimer – ZikCards.com
Last Updated: 11/21/2025
This Legal Disclaimer (“Disclaimer”) applies to the website ZikCards.com, operated by Rab Technologies & Traders LLC (“we,” “us,” or “our”). By accessing or using our website and services, you agree to the terms outlined below.
1. No Financial, Legal, or Investment Advice
ZikCards does not provide:
Financial advice
Investment guidance
Legal advice
Banking or money-transmission services
Tax advice
All content on ZikCards.com is for informational purposes only and should not be interpreted as professional advice of any kind.
Users are responsible for evaluating the suitability of ZikCards’ services for their own needs.
2. Not a Bank or Financial Institution
ZikCards is not a bank, and we do not provide:
Savings accounts
Loans or credit
Interest-bearing accounts
Traditional banking services
Virtual prepaid cards offered through ZikCards are issued by third-party licensed card issuers, not by Rab Technologies & Traders LLC.
We act only as a platform and facilitator.
3. No Guarantee of Merchant Acceptance
We cannot guarantee that every online merchant, payment gateway, or service provider will accept:
Virtual prepaid cards
Specific card networks
Cards funded in certain currencies
Acceptance depends entirely on the merchant’s own policies, not on ZikCards.
4. No Liability for Third-Party Actions
ZikCards is not responsible for:
Merchant declines
Payment processor outages
Card issuer decisions
Third-party website failures
Network delays
Account bans by external services
All third-party platforms (merchants, gateways, apps) operate under their own rules.
5. User Responsibility
You are solely responsible for:
Ensuring your purchases comply with laws and regulations
Using ZikCards only for legal and permitted purposes
Providing accurate and truthful information
Keeping your account secure
Understanding merchant policies before making a payment
We are not liable for losses caused by:
Incorrect merchant selection
User error
Unauthorized access due to weak security
Misuse of virtual cards
6. No Warranties
ZikCards and its services are provided on an “as-is” and “as-available” basis.
We make no warranties or guarantees regarding:
Service availability
System uptime
Error-free operation
Compatibility with all merchants
Accuracy of information on the website
Future service continuity
We reserve the right to modify, suspend, or discontinue any service at any time.
7. Limitation of Liability
To the fullest extent permitted by law:
ZikCards is not liable for indirect, incidental, or consequential damages.
Our total liability for any claim is limited to the amount paid for the specific service.
We are not responsible for financial loss due to:
Merchant refusal
Declined transactions
Fraudulent user behavior
Card issuer restrictions
Account misuse
System downtime
8. Compliance With Laws
Users must comply with:
Local laws
Card issuer rules
Prohibited merchant lists
Anti-Money Laundering (AML) regulations
KYC requirements when requested
Illegal use of the service may result in immediate account termination.
9. Updates to This Disclaimer
We reserve the right to update this Disclaimer at any time.
The updated version will be posted with a revised “Last Updated” date.
10. Contact Information
For questions about this Disclaimer:
Rab Technologies & Traders LLC
30 N Gould St #29271
Sheridan, WY 82801, USA
📧 support@zikcards.com