Legal Disclaimer
Last Updated: 01/01/2026
This Legal Disclaimer governs your access to and use of the TOM TRANSFER website, platform, and related services. By accessing or using the platform, you acknowledge that you have read, understood, and agreed to be bound by this Legal Disclaimer.
1. Nature of the Platform
TOM TRANSFER operates as a financial technology (FinTech) platform that provides digital tools for the issuance and management of virtual cards intended for electronic transactions.
TOM TRANSFER is not a bank, not a licensed financial institution, and does not provide traditional banking services, including but not limited to deposit-taking, lending, credit facilities, investment services, or financial advisory services.
2. No Financial, Legal, or Investment Advice
All information, materials, and services available on the TOM TRANSFER platform are provided for general informational and operational purposes only.
Nothing on the platform shall be construed as:
Financial advice
Legal advice
Investment advice
A recommendation, endorsement, or solicitation to engage in any financial transaction
Users are solely responsible for evaluating the suitability of the services for their individual needs.
3. Regulatory Status and Jurisdictional Limitations
The availability of TOM TRANSFER services may vary by jurisdiction and is subject to applicable local laws and regulations.
TOM TRANSFER makes no representation or warranty that its services are lawful, permitted, or appropriate in all jurisdictions.
Users are responsible for ensuring that their use of the platform complies with the laws and regulations applicable in their country or region of residence.
4. User Responsibilities
Users are responsible for:
Maintaining the confidentiality of their account credentials
Ensuring accurate and complete information is provided
Using the platform in compliance with applicable laws and platform policies
Monitoring transactions and reporting unauthorized activity promptly
TOM TRANSFER shall not be responsible for losses resulting from user negligence or misuse of the platform.
5. Limitation of Liability
To the maximum extent permitted by applicable law, TOM TRANSFER, its directors, officers, employees, affiliates, and service providers shall not be liable for any:
Direct or indirect financial losses
Incidental, consequential, or special damages
Service interruptions, technical failures, or system errors
Unauthorized transactions resulting from factors beyond the platform’s reasonable control
All use of the platform is at the user’s own risk.
6. Third-Party Services and Links
The platform may integrate or link to third-party services, including payment processors or technology providers.
TOM TRANSFER does not control and is not responsible for the content, availability, security, or practices of third-party services.
Use of third-party services is subject to the terms and policies of those providers.
7. Data Protection and Privacy
Personal data collected through the platform is processed in accordance with TOM TRANSFER’s Privacy Policy.
This Legal Disclaimer does not override or limit any rights afforded to users under applicable data protection laws.
8. Modifications to the Disclaimer
TOM TRANSFER reserves the right to modify, amend, or update this Legal Disclaimer at any time.
Any changes will be effective upon publication on the website. Continued use of the platform constitutes acceptance of the updated disclaimer.
9. Governing Law
This Legal Disclaimer shall be governed by and construed in accordance with the laws applicable to TOM TRANSFER’s operational jurisdiction, without regard to conflict of law principles.
10. Severability
If any provision of this Legal Disclaimer is found to be unlawful, void, or unenforceable, such provision shall be deemed severable, and the remaining provisions shall remain in full force and effect.
Final Notice
By accessing or using the TOM TRANSFER platform, you confirm that you have read, understood, and agreed to this Legal Disclaimer in its entirety.