Terms of use

01About these terms

These Terms of Use are an agreement between you and KleePay LIMITED ("KleePay", "we", "us"), a company registered in Hong Kong with its registered office at 65/F Central Plaza, 18 Harbour Road, Wan Chai, Hong Kong.

They cover the KleePay website, the KleePay mobile app, the KleePay card, AI credits, the KleePay MCP server and the KleePay API (together, the "Services"). By creating an account or using the Services you accept these terms. If you do not accept them, do not use the Services.

Some parts of the Services are also governed by separate documents, which form part of this agreement:

• the Cardholder Agreement issued by [card issuer], which governs the card itself;
• our Privacy Policy, which explains how we handle personal data;
• the fee and rewards schedule shown in the app at the time of the transaction.

If these terms conflict with the Cardholder Agreement on a matter about the card, the Cardholder Agreement wins.

02Who provides the card

KleePay cards are issued by [card issuer] pursuant to a licence from Visa. Card program services are provided by RedotPay. KleePay provides the app, the account, the rewards and the agent tools around the card.

KleePay is not a bank. Your balance is not a bank deposit and is not covered by any deposit insurance or deposit protection scheme. [Confirm: the licence or registration KleePay or its partners hold, and the regulator.]

03Eligibility

To open an account you must:

• be at least 18 years old, or the age of majority where you live if that is higher;
• live in a country we serve, listed at [link to supported countries];
• not be located in, or ordinarily resident in, a sanctioned or restricted country, listed at [link];
• not be named on any sanctions list, and not act on behalf of anyone who is;
• use the account for yourself, or for a business you are authorized to represent.

Each person may hold one personal account. A business account must be opened by someone with authority to bind the business, and that person accepts these terms on its behalf.

04Your account and identity checks

We are required to verify who our customers are. When you open an account, and at any later time, we may ask for your name, date of birth, address, a government ID, a selfie or liveness check, and information about the source of your funds. [Confirm: identity verification provider and the limits that apply before full verification.]

You agree that the information you give us is true, complete and kept up to date. We may refuse to open an account, limit it, or ask for more information if we cannot verify you or if the law requires it. We do not always have to tell you why.

You are responsible for keeping your device, your login and your API keys secure. Turn on the security features the app offers. Tell us straight away at [email protected] if you think someone else has access to your account, and freeze your card in the app.

05Funding with stablecoins

You fund your account by sending [USDC] on [supported networks] to the deposit address shown in the app. Only the assets and networks listed in the app are supported.

• Assets sent on an unsupported network, or tokens we do not support, may be lost. We will try to help but cannot promise to recover them.
• Blockchain transactions cannot be reversed. Check the address and network before you send.
• A deposit is credited once it reaches [number] confirmations on the network. Network congestion can delay it.
• Network fees are set by the blockchain, not by us, and are paid by the sender.
• [Confirm: how stablecoins are converted into the card's spending balance, at what rate, and who holds the funds in the meantime.]

Your balance does not earn interest. We do not lend you money and the card has no credit line. You can only spend what you have loaded.

Stablecoins carry their own risks, including the risk that a stablecoin loses its peg, that its issuer fails, or that the law around it changes. KleePay does not guarantee the value of any stablecoin.

06Using the card

The card can be used wherever Visa is accepted, online and in store, and through Apple Pay and Google Pay where available. Apple Pay and Google Pay are provided by Apple and Google under their own terms.

• Spending limits apply per transaction, per day and per month. The current limits are shown in the app. [Confirm the default limits.]
• A transaction may be declined if your balance is too low, a limit is reached, the merchant is in a blocked category, or our fraud checks flag it.
• Transactions in a currency other than US dollars may carry a foreign exchange fee of [x]%.
• Refunds from merchants are returned to your KleePay balance, not to the wallet you funded from.

The card remains the property of the issuer. Do not let anyone else use it. If your card or device is lost or stolen, freeze the card in the app and tell us.

07Agents, MCP and the API

You can let software agents pay with KleePay through the KleePay MCP server or the REST API. An agent asks for an authorization with a merchant, an amount and a reason. The rules you set decide whether it is approved. An approved authorization opens the card for that one charge and then expires.

Every authorization requested with your API keys or through an agent you have connected is treated as made by you. You are responsible for those charges in the same way as if you had made them in the app. This applies even if the agent misreads an instruction, so set limits that match the risk you accept.

• Keep API keys secret. Do not put them in public code or share them with people you do not trust.
• Revoke a key straight away if you think it has been exposed.
• We may rate limit or suspend API access that puts the Services or other users at risk.

AI agents and models are built and run by third parties. We do not control what they decide and are not responsible for their output. If a charge goes through outside the rules you set because of an error on our side, tell us within [60] days and we will investigate and correct it. [Confirm the remedy.]

08Plans and fees

• Basic: a card fee of $9.90. [Confirm: one-time fee.]
• Pro: $14.90 a month. Pro renews automatically each month until you cancel. You can cancel at any time in the app. Cancellation takes effect at the end of the month you have paid for, and we do not refund part months. [Confirm how the subscription is charged.]
• Top-up fee: [x]% of each top-up. [Confirm.]
• Foreign exchange fee: [x]%. [Confirm.]

We may change our fees. We will give you at least [30] days' notice of an increase by email or in the app. If you do not agree, you can close your account before the change takes effect.

09Cashback and AI credits

When you pay for a subscription at an eligible AI tool, you can earn USD cashback and AI credits. The eligible tools are listed in the app, and the list changes over time.

• Basic earns 2% USD cashback, up to $5 a month, and 2% back in AI credits with no cap.
• Pro earns 5% USD cashback, up to $14.90 a month, and 5% back in AI credits with no cap, plus $5 in AI credits each month.
• Cashback is detected from the data the merchant sends with the charge. Charges billed through an app store, a reseller or a bundle may not qualify.
• Cashback becomes claimable in the app after the charge settles. If the charge is refunded or disputed, the cashback and credits earned on it are removed.

AI credits are a reward balance, not money. They have no cash value, cannot be withdrawn, sold or transferred, and can only be used to pay for model usage through KleePay. [Confirm whether AI credits expire.]

We may change, pause or end the rewards program, or the rates and caps, with [30] days' notice. Rewards already earned before a change stay yours. We may withhold or reverse rewards obtained through abuse, such as buying and refunding subscriptions to collect cashback, or opening several accounts.

10Model access with AI credits

AI credits let you call models from third-party providers through a KleePay API key. The providers' own usage policies apply to that use and you agree to follow them.

Which models are offered, and their prices in AI credits, can change at any time. We do not guarantee that a model will stay available or that it will produce accurate output. You are responsible for what you send to a model and for how you use what it returns.

11What you must not do

You must not use the Services:

• for anything illegal, including fraud, money laundering, terrorist financing or sanctions evasion;
• to buy goods or services that the card network, the issuer or the law prohibits, including [list of restricted categories];
• with funds that come from crime or that you do not have the right to use;
• to cash out the card, or to move money for other people as a business;
• to abuse the rewards program;
• to interfere with, probe or overload the Services, or to get around a limit or a security control;
• to copy, reverse engineer or resell the Services, except where the law allows it.

12Freezing and closing accounts

You can close your account at any time in the app or by writing to [email protected]. Before closing, cancel any subscriptions billed to the card.

We may freeze, limit or close your account, or decline a transaction, if:

• the law, a regulator, the issuer or the card network requires it;
• we suspect fraud, unauthorized use, or a breach of these terms;
• you do not complete identity checks or give us information we have asked for;
• we stop offering the Services where you live.

Where the law allows, we will tell you and explain what you need to do. When an account is closed, you can withdraw the remaining balance to a wallet address you control, after any checks the law requires and minus network fees. [Confirm the withdrawal process and timing.]

13Unauthorized and incorrect charges

Check your transactions in the app. If you see a charge you did not make or authorize, or one that is wrong, freeze the card and tell us at [email protected] within [60] days of the charge.

We will investigate and, where a dispute with the merchant is possible under the card network rules, raise it through the issuer. Disputes follow the network's rules and timelines, and we cannot guarantee the outcome.

You are responsible for losses caused by your own fraud, or by not keeping your login, device or API keys secure, to the extent the law allows.

14Third-party services

The Services work with products we do not control: wallets and exchanges you send funds from, merchants you pay, AI tools and model providers, app stores, and the agents you connect. Those services have their own terms. We are not responsible for them, for what they charge, or for the goods and services merchants provide.

15Our intellectual property

The Services, the KleePay name, logo and card design, and the software and content behind them belong to KleePay or its licensors. We give you a personal, non-exclusive, non-transferable licence to use the app and the API for as long as you have an account and follow these terms.

You may use our logo and colours as described on our Brand assets page. If you send us feedback or ideas, we may use them without owing you anything.

16Disclaimers

We work to keep the Services available and accurate, but we provide them as they are and as available. To the extent the law allows, we do not promise that they will be uninterrupted, error free or fit for a particular purpose.

Nothing in the Services is financial, investment, tax or legal advice.

17Limitation of liability

To the extent the law allows, KleePay is not liable for indirect or consequential loss, or for loss of profits, revenue, data or opportunity, arising from the Services.

To the extent the law allows, our total liability to you for all claims in any 12-month period is limited to the greater of the fees you paid us in that period and [amount].

Nothing in these terms limits liability that cannot be limited by law, including liability for fraud or for death or personal injury caused by negligence, or your rights as a consumer under the law where you live.

18Indemnity

If you breach these terms or the law, or if an agent you connect causes a claim against us, you agree to cover the reasonable costs and losses we suffer as a result, to the extent the law allows.

19Governing law and disputes

If you have a problem, write to us first at [email protected]. Most issues are solved that way. We aim to reply within [5] business days.

These terms are governed by the laws of Hong Kong. Disputes go to the courts of Hong Kong. If you are a consumer, you keep any right to bring a claim in the courts where you live and any protection that local law gives you.

20Changes to these terms

We may update these terms when the Services, the law or our partners' requirements change. For changes that affect you materially, we will give you at least [30] days' notice by email or in the app. If you keep using the Services after a change takes effect, you accept the new terms. If you do not, you can close your account.

The date at the top of this page shows when the terms last changed.

21General

• These terms, with the documents listed in section 1, are the whole agreement between you and us about the Services.
• You may not transfer your rights under them. We may transfer ours to another company that takes over the Services, and will tell you if we do.
• If a court finds part of these terms unenforceable, the rest still applies.
• If we do not enforce a right straight away, we can still enforce it later.
• We are not responsible for delays or failures caused by events outside our reasonable control, such as network outages, blockchain failures or actions of authorities.
• These terms are written in English. Any translation is for convenience, and the English version applies.

22Contact

KleePay LIMITED, 65/F Central Plaza, 18 Harbour Road, Wan Chai, Hong Kong. Email [email protected].