Acceptance of Terms

By applying for, activating, or using the MidasVault Credit Card, you agree to be bound by these Terms of Service ("Terms"). If you do not agree, do not use the card. MidasVault reserves the right to update these Terms at any time, with notice provided via our website or app. Continued use of the card after such updates constitutes acceptance of the revised Terms.

Card Provider

The MidasVault Credit Card is issued in partnership with a third-party financial institution ("Third-Party Provider"). MidasVault acts as a facilitator, and all card-related services, including account management and transaction processing, are provided by the Third-Party Provider. You agree to comply with the Third-Party Provider's policies, which are incorporated herein by reference and available upon request.

Eligibility and Account Management

To use the MidasVault Credit Card, you must be at least 18 years old and a resident of an eligible jurisdiction. You are responsible for maintaining the confidentiality of your account details and password. Any transactions or activities under your account are your responsibility. MidasVault and the Third-Party Provider reserve the right to suspend or terminate your account for security reasons, non-compliance, or at their discretion.

Payment Terms

• Minimum payments are due monthly, as specified in your billing statement. Failure to pay may result in late fees and interest charges.

• The standard Purchase APR is 29.99%, with a variable Penalty APR up to 35.99% based on market conditions. A minimum interest charge of $2 applies per billing period where interest is due.

• Promotional financing (e.g., 6 months no interest on purchases of $199 or more) is available at participating locations, subject to timely full payment. Interest will accrue from the purchase date if not paid in full within the promotional period.

• Payments can be made online, by phone, or via autopay, with funds debited from your linked account.

Use of the Card

The MidasVault Credit Card is accepted only at participating MidasVault locations and affiliated merchants. It may not be used for everyday purchases outside this network. Unauthorized or fraudulent use will result in account suspension and potential legal action.

Liability and Disputes

MidasVault and the Third-Party Provider are not liable for losses due to unauthorized use if you fail to notify us promptly upon discovering such use. We are not responsible for merchant terminal malfunctions, third-party service disruptions, or delays in transaction processing. Disputes with merchants should be resolved directly with them; we may assist upon request but are not obligated to intervene.

Privacy and Data

Your personal and transaction data will be collected, stored, and processed by MidasVault and the Third-Party Provider in accordance with our Privacy Policy. Data may be shared with third parties for processing purposes, and you consent to this by using the card. We employ encryption and security measures, but cannot guarantee absolute protection against data breaches.

Termination

You may terminate your account with 30 days' written notice. MidasVault or the Third-Party Provider may terminate your account at any time for breach of these Terms or regulatory reasons. Upon termination, any outstanding balance must be paid in full.

Governing Law

These Terms are governed by the laws of the jurisdiction where the Third-Party Provider is based. Any disputes will be resolved through arbitration or in the appropriate courts of that jurisdiction.

Contact

For questions or support, contact MidasVault at support@midasvault.com or the Third-Party Provider at their designated support channel, details of which are provided in your account documentation.