Terms & Conditions
Last Updated:01/01/2026
These Terms & Conditions (“Terms”) govern your access to and use of the TOM TRANSFER website, platform, and related services. By accessing or using the platform, you agree to be bound by these Terms. If you do not agree, you must discontinue use of the services.
1. Definitions
“Platform” refers to the TOM TRANSFER website, systems, and services.
“User” refers to any individual or entity accessing or using the platform.
“Services” refers to virtual card issuance, management, and related digital tools.
“We”, “Us”, “Our” refer to TOM TRANSFER.
2. Eligibility
You must be at least 18 years of age (or the legal age in your jurisdiction) to use the platform.
By using the platform, you represent and warrant that you have the legal capacity to enter into these Terms and that your use complies with applicable laws and regulations.
3. Nature of Services
TOM TRANSFER operates as a financial technology (FinTech) platform providing tools for virtual card issuance and electronic payment facilitation.
TOM TRANSFER:
Is not a bank
Does not provide traditional banking, lending, deposit, or investment services
Does not act as a financial advisor
4. Account Registration
To access certain services, users may be required to create an account and provide accurate, complete, and current information.
Users are responsible for:
Maintaining the confidentiality of account credentials
All activities conducted under their account
Promptly notifying TOM TRANSFER of unauthorized access
5. Virtual Cards Usage
Virtual cards issued through the platform are intended for lawful electronic transactions only.
Users agree not to:
Use virtual cards for illegal, fraudulent, or prohibited activities
Circumvent platform controls, limits, or security measures
Misuse services in violation of applicable laws
TOM TRANSFER reserves the right to suspend or terminate card access in case of suspected misuse.
6. Fees and Limits
Certain services may be subject to fees, usage limits, or transaction thresholds.
All applicable fees and limits will be disclosed on the platform or during the service process.
TOM TRANSFER reserves the right to modify fees or limits at any time, subject to applicable law.
7. Compliance and Monitoring
TOM TRANSFER may implement monitoring, verification, or review procedures to:
Prevent fraud and misuse
Maintain platform security
Comply with legal or regulatory obligations
Failure to cooperate with such procedures may result in service restrictions or termination.
8. Suspension and Termination
TOM TRANSFER reserves the right to suspend or terminate user access, accounts, or services at its sole discretion, including but not limited to cases involving:
Violation of these Terms
Suspicion of unlawful or abusive activity
Security or operational risks
9. Limitation of Liability
To the maximum extent permitted by law, TOM TRANSFER shall not be liable for any:
Direct or indirect losses
Financial damages or lost profits
Service interruptions or technical failures
Unauthorized transactions resulting from user negligence
Use of the platform is at the user’s own risk.
10. Intellectual Property
All content, trademarks, logos, and materials on the platform are the property of TOM TRANSFER or its licensors.
Users may not reproduce, distribute, or exploit any platform content without prior written consent.
11. Third-Party Services
The platform may integrate or link to third-party services.
TOM TRANSFER does not control and is not responsible for third-party content, services, or policies.
Use of third-party services is subject to their respective terms and conditions.
12. Privacy and Data Protection
The collection and processing of personal data are governed by TOM TRANSFER’s Privacy Policy.
By using the platform, you consent to data processing in accordance with that policy.
13. Amendments
TOM TRANSFER reserves the right to modify these Terms at any time.
Updated Terms will be posted on the platform, and continued use constitutes acceptance of the revised Terms.
14. Governing Law
These Terms 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.
15. Severability
If any provision of these Terms is deemed invalid or unenforceable, the remaining provisions shall remain in full force and effect.
16. Contact Information
For questions regarding these Terms, please contact:
Email: contact@tomtimes.center
Location: Canada
Final Notice
By using the TOM TRANSFER platform, you confirm that you have read, understood, and agreed to these Terms & Conditions in full.