Terms & Conditions

1. Acceptance of Terms

By creating an account with DiWallet, downloading our mobile application, or using any of our services, you agree to be bound by these Terms and Conditions ("Terms"). These Terms constitute a legally binding agreement between you and StudyGate SRL ("Company," "we," "us," or "our").

If you do not agree with any part of these Terms, you must not use our services. Your continued use of DiWallet services constitutes acceptance of any modifications to these Terms.

2. Service Description

DiWallet is a digital wallet platform operated by StudyGate SRL that provides the following services:

• Virtual Card Services: Instant creation and activation of virtual Visa and MasterCard payment cards
• Digital Wallet: Secure storage and management of digital funds
• Payment Processing: Facilitating online and digital transactions
• Money Transfers: Sending and receiving funds electronically
• Cryptocurrency Support: Integration with selected cryptocurrency services
• Financial Analytics: Transaction tracking and spending insights

Our services are provided through our mobile application and web platform, subject to regulatory approvals and geographic restrictions.

3. Account Registration and Verification

3.1 Registration Requirements

To use DiWallet services, you must:

• Be at least 18 years of age or the legal age of majority in your jurisdiction
• Provide accurate, current, and complete information during registration
• Have legal capacity to enter into binding agreements
• Not be prohibited from using financial services under applicable laws

3.2 KYC and AML Compliance

In compliance with Anti-Money Laundering (AML) and Know Your Customer (KYC) regulations, you must:

• Complete identity verification by providing government-issued identification
• Submit proof of address documentation
• Provide additional documentation as requested for compliance purposes
• Allow us to perform ongoing monitoring of your account activity

3.3 Account Security

You are responsible for:

• Maintaining the confidentiality of your login credentials
• Enabling available security features such as two-factor authentication
• Immediately notifying us of any unauthorized access to your account
• Keeping your contact information and personal details updated

4. Virtual Cards

4.1 Card Issuance

DiWallet provides virtual Visa and MasterCard payment cards that are:

• Issued instantly upon request through our platform
• Immediately activated and ready for use
• Valid for online and digital transactions where Visa/MasterCard are accepted
• Subject to spending limits and controls you set

4.2 Card Usage

Virtual cards may be used for:

• Online purchases and e-commerce transactions
• Subscription services and recurring payments
• Digital services and applications
• Any merchant that accepts Visa/MasterCard payments online

4.3 Card Restrictions

Virtual cards cannot be used for:

• ATM withdrawals or cash advances
• Physical point-of-sale transactions
• Gambling or illegal activities
• Transactions prohibited by card network rules

4.4 Card Management

You may:

• Create multiple virtual cards for different purposes
• Set individual spending limits for each card
• Freeze, unfreeze, or delete cards at any time
• View real-time transaction history and details

5. Geographic Restrictions and Cryptocurrency Compliance

5.1 Service Availability

DiWallet services may not be available in all countries or jurisdictions. Our services are subject to local laws and regulations, and we reserve the right to restrict or deny access to users from certain geographic locations.

5.2 Cryptocurrency Restrictions

Some countries have restrictions, limitations, or outright bans on cryptocurrency usage, trading, or related services. These restrictions may affect your ability to use certain DiWallet features, including but not limited to:

• Cryptocurrency wallet services
• Crypto-to-fiat conversions
• Cryptocurrency trading or exchange features
• Virtual cards funded with cryptocurrency
• Cross-border crypto transactions

5.3 Countries with Cryptocurrency Restrictions

As of the date of these Terms, the following countries have various levels of cryptocurrency restrictions or bans. This list is not exhaustive and may change:

5.4 User Responsibility for Legal Compliance

By using DiWallet services, you acknowledge and agree that:

• Local Law Compliance: You are solely responsible for ensuring that your use of DiWallet services, including any cryptocurrency-related features, complies with the laws and regulations of your country, state, or jurisdiction
• Legal Research: You must research and understand the legal status of cryptocurrency and digital financial services in your location before using our platform
• Risk Assumption: You assume all legal risks associated with using our services in your jurisdiction
• Regulatory Changes: You acknowledge that cryptocurrency regulations may change, and you are responsible for staying informed about such changes

5.5 Disclaimer of Responsibility

5.6 Service Restrictions and Account Actions

We reserve the right to:

• Restrict or suspend access to certain features based on your geographic location
• Terminate accounts of users who violate local cryptocurrency laws
• Cooperate with law enforcement and regulatory authorities when required
• Block transactions that may violate applicable laws or regulations
• Update our geographic restrictions and prohibited jurisdictions list at any time

5.7 Regulatory Monitoring

We continuously monitor regulatory developments worldwide and may:

• Update our services to comply with new regulations
• Add or remove countries from our restricted jurisdictions list
• Modify or disable features that become non-compliant in certain regions
• Provide advance notice when possible for service changes due to regulatory requirements

5.8 Legal Advice Recommendation

We strongly recommend that users in jurisdictions with unclear or restrictive cryptocurrency regulations consult with qualified legal counsel before using DiWallet services. This is particularly important for:

• Business accounts and commercial use
• Large transaction volumes
• Cross-border transactions
• Integration with local financial institutions

6. Payments and Transactions

5.1 Transaction Authorization

By initiating a transaction, you authorize us to:

• Deduct the transaction amount from your DiWallet balance
• Process the payment through appropriate payment networks
• Apply any applicable fees or charges
• Provide transaction details to relevant parties

5.2 Transaction Limits

We may impose limits on:

• Daily, weekly, or monthly transaction amounts
• Number of transactions per time period
• Maximum single transaction amounts
• Total account balance limits

5.3 Failed Transactions

Transactions may fail due to:

• Insufficient funds in your DiWallet
• Technical issues or system maintenance
• Merchant rejection or processing errors
• Security or fraud prevention measures

5.4 Refunds and Disputes

Refund policies are subject to:

• Merchant policies and procedures
• Card network dispute resolution processes
• Our investigation and verification procedures
• Applicable laws and regulations

7. Fees and Charges

6.1 Service Fees

DiWallet may charge fees for:

• Virtual card creation and maintenance
• International transactions and currency conversion
• Premium features and services
• Account maintenance or inactivity

6.2 Fee Disclosure

All applicable fees will be:

• Clearly disclosed before you incur them
• Listed in your account dashboard
• Updated on our website and in-app
• Communicated in advance of any changes

6.3 Fee Changes

We reserve the right to modify our fee structure with appropriate notice as required by law.

8. Security and Privacy

7.1 Data Protection

We implement industry-standard security measures including:

• 256-bit SSL encryption for all data transmission
• Secure data storage with regular backups
• Multi-factor authentication options
• Continuous monitoring for suspicious activity

7.2 Privacy Compliance

Our handling of personal data complies with:

• General Data Protection Regulation (GDPR)
• Applicable local privacy laws
• Financial services regulations
• Industry best practices

7.3 Information Sharing

We may share your information with:

• Regulatory authorities as required by law
• Payment processors and card networks
• Third-party service providers under strict confidentiality
• Law enforcement when legally required

9. User Responsibilities

As a DiWallet user, you agree to:

• Use our services only for lawful purposes
• Provide accurate and truthful information
• Comply with all applicable laws and regulations
• Maintain adequate funds for your transactions
• Report any suspicious or unauthorized activity immediately
• Keep your app updated to the latest version
• Follow our security recommendations and best practices

10. Prohibited Activities

You may not use DiWallet services for:

• Money laundering or terrorist financing
• Fraud, identity theft, or impersonation
• Illegal gambling or betting activities
• Purchase of illegal goods or services
• Circumventing security measures or system limitations
• Creating multiple accounts to evade restrictions
• Violating intellectual property rights
• Using cryptocurrency features in jurisdictions where prohibited
• Any activity that could damage our reputation or services

Violation of these prohibitions may result in immediate account suspension or termination.

11. Limitation of Liability

10.1 Service Availability

We strive to maintain service availability but cannot guarantee uninterrupted access due to:

• Scheduled maintenance and upgrades
• Technical failures or network issues
• Third-party service dependencies
• Force majeure events

10.2 Liability Limitations

To the maximum extent permitted by law, our liability is limited to:

• Direct damages actually incurred by you
• The amount of fees paid by you in the preceding 12 months
• Remedial actions such as account restoration or fee refunds

10.3 Excluded Damages

We shall not be liable for:

• Indirect, consequential, or punitive damages
• Lost profits or business opportunities
• Actions of third-party merchants or service providers
• Market fluctuations or investment losses

12. Termination

11.1 Termination by You

You may terminate your account at any time by:

• Contacting our customer support
• Following the account closure process in the app
• Withdrawing all funds before closure

11.2 Termination by Us

We may terminate or suspend your account for:

• Violation of these Terms and Conditions
• Suspicious or fraudulent activity
• Regulatory or compliance requirements
• Extended account inactivity

11.3 Effect of Termination

Upon termination:

• Your access to DiWallet services will cease
• Outstanding transactions will be processed or refunded
• Remaining funds will be returned according to our procedures
• Certain provisions of these Terms will survive termination

13. Changes to Terms

We may modify these Terms and Conditions from time to time to:

• Reflect changes in our services or features
• Comply with legal or regulatory requirements
• Address security or operational needs
• Improve user experience and clarity

Material changes will be communicated through:

• Email notification to your registered address
• In-app notifications and announcements
• Updates on our website
• Prominent notices in your account dashboard

Continued use of our services after such changes constitutes acceptance of the modified Terms.

14. Contact Information

For questions about these Terms and Conditions or our services, please contact us: