User Agreement
📄 User Agreement / Account Agreement – ZikCards.com
Last Updated: 21/11/2025
This User Agreement (“Agreement”) governs your use of ZikCards.com, operated by Rab Technologies & Traders LLC (“we,” “us,” or “our”).
By creating an account or using our services, you agree to be bound by this Agreement, the Privacy Policy, Refund Policy, Acceptable Use Policy, and all other applicable terms.
If you do not agree, you must stop using ZikCards immediately.
1. Definitions
“ZikCards” refers to the ZikCards.com website and related services.
“User,” “you,” or “your” refers to anyone accessing or using our services.
“Virtual prepaid card” refers to digital payment cards issued by third-party licensed card issuers.
“Wallet” refers to your ZikCards account balance funded for card purchases.
2. Eligibility
To use ZikCards, you must:
Be at least 18 years old
Provide accurate, truthful information
Not be banned under sanctions lists or financial restrictions
Not use ZikCards for illegal or high-risk purposes
We may refuse service to anyone at our discretion.
3. Account Registration
To open an account, you must:
Provide a valid email
Create a secure password
Agree to provide additional information if required (KYC/AML)
You are solely responsible for:
Maintaining account security
Keeping login details private
Reporting unauthorized access immediately
We are not liable for losses resulting from compromised accounts.
4. KYC/AML Requirements
We may request identity verification at any time, including:
Government-issued ID
Proof of address
Selfie verification
Proof of payment method ownership
Refusal to complete verification may result in:
Account limitation
Order cancellation
Card deactivation
Permanent account closure
5. Wallet & Payments
Wallet funds are used only to purchase virtual prepaid cards.
Wallet balances may not be withdrawn as cash unless approved under exceptional circumstances.
Wallet funding methods may vary by region.
We may place holds on suspicious wallet activity.
6. Virtual Prepaid Cards
ZikCards sells virtual prepaid cards issued by licensed third-party card issuers.
You acknowledge that:
Cards are non-refundable once delivered
Cards must be used only for legal purposes
Cards may not work on all websites or merchants
Card acceptance is controlled by merchants, not by ZikCards
We do not guarantee merchant compatibility.
7. Prohibited Uses
You may NOT use ZikCards for:
Money laundering
Fraudulent transactions
High-risk merchants
VPN/proxy/Tor masked transactions
Gambling (where restricted)
Cryptocurrency platforms (if restricted by issuer)
Adult content involving minors
Buying or selling illegal goods
Violations may lead to immediate account termination.
8. Service Availability
We do not guarantee:
24/7 uptime
Continuous access
Uninterrupted functionality
Availability of any specific card type
Outages may occur due to third-party issues beyond our control.
9. Fees
You agree to pay:
Card issuance fees
FX or conversion fees (if applicable)
Processing fees for certain transactions
Fees are shown during checkout and may change at any time.
10. Refunds & Disputes
All sales are final, except under special cases outlined in our Refund Policy.
You agree:
To contact support@zikcards.com before filing any chargeback
That filing fraudulent chargebacks may result in account closure
That chargeback abuse may be reported to card networks and authorities
11. Account Suspension & Termination
We may suspend or terminate your account if:
You violate this Agreement
You fail KYC/AML checks
Suspicious activity is detected
Fraud or chargeback abuse occurs
Terminated accounts may be permanently banned.
12. Third-Party Services
ZikCards relies on:
Licensed card issuers
Payment processors
Security partners
Hosting providers
We are not responsible for failures, delays, or restrictions caused by third-party systems.
13. Limitation of Liability
To the fullest extent permitted by law:
We are not liable for indirect, incidental, or consequential damages
We are not liable for merchant declines or blocked transactions
Total liability is limited to the amount paid for the specific service
Use of ZikCards is at your own risk.
14. Indemnification
You agree to indemnify and hold harmless:
Rab Technologies & Traders LLC, its employees, and partners
from any claims or damages arising from:
Your misuse of ZikCards
Illegal activity
Violation of any terms
Third-party disputes
15. Amendments
We may update this Agreement at any time.
Your continued use of ZikCards means you accept the updated terms.
16. Governing Law
This Agreement is governed by the laws of:
State of Wyoming, USA
Any disputes must follow our Dispute Resolution Policy, including arbitration procedures.
17. Contact Information
Rab Technologies & Traders LLC
30 N Gould St #29271
Sheridan, WY 82801, USA
📧 support@zikcards.com