User Service Agreement

Effective Date: June 18, 2026
Last Updated: June 18, 2026

Welcome to Dotva. By registering an account and using our services, you agree to be bound by this User Service Agreement ("Agreement"). Please read it carefully before using the platform.

1. Definitions

• "Dotva" refers to Dotva Inc., a company incorporated in the State of New York, United States, and the platform, services, and APIs it operates.
• "User" refers to any individual or entity that registers an account on Dotva.
• "Workspace" refers to the organizational unit within Dotva under which virtual cards, wallet funds, and team members are managed.
• "Workspace Owner" refers to the User who created a Workspace and holds primary responsibility for all activities conducted within it.
• "Virtual Card" refers to a Visa virtual card issued via Dotva's card issuer integration.
• "Wallet" refers to the USD balance held within a Workspace.
• "Staff" and "Delegate" refer to individuals invited by the Workspace Owner to access the Workspace with defined permissions.

2. Eligibility

To use Dotva, you must:

• Be at least 18 years of age;
• Have the legal capacity to enter into this Agreement;
• Not be located in a jurisdiction where use of our services is prohibited under applicable law or OFAC sanctions.

3. Account Registration

You agree to provide accurate, current, and complete information when creating your account. You are responsible for maintaining the confidentiality of your login credentials. Dotva is not liable for any unauthorized access resulting from your failure to safeguard your credentials. You must notify Dotva promptly at support@dotva.io if you suspect unauthorized access.

4. Workspace Owner Responsibility

4.1 The Workspace Owner bears sole and full responsibility for all activities, transactions, and conduct occurring within their Workspace, regardless of whether such activities are carried out by the Workspace Owner, a Delegate, a Staff member, or any other party granted access to the Workspace.

4.2 The Workspace Owner is responsible for:

• Ensuring that all Workspace members comply with this Agreement, the Risk Control Policy, and all applicable laws and regulations;
• Verifying the identity and authorization of any individual invited to the Workspace as Staff or Delegate;
• Monitoring card usage and spending within the Workspace;
• Promptly revoking access for members who no longer require it.

4.3 Any liabilities, financial penalties, losses, regulatory obligations, or legal consequences arising from activities conducted within a Workspace — including those caused by Staff members or Delegates — are the sole responsibility of the Workspace Owner. Dotva is not liable for the actions or omissions of Workspace members.

4.4 If a Workspace is used for any activity that violates this Agreement or applicable law, the Workspace Owner is liable for any resulting damages, fees, or penalties, including those imposed on Dotva by card networks, regulators, or third parties.

5. Virtual Cards and Fees

5.1 Virtual cards are issued via third-party card program providers. Dotva acts as a facilitator and is not a bank or financial institution.

5.2 The following fees apply to card and wallet operations:

Fees for individual card products may vary. Always review the product details before issuance.

5.3 All fees are deducted from the Workspace Wallet at the time of the operation.

5.4 Fees are non-refundable except where explicitly required by applicable law.

6. Acceptable Use

You agree NOT to use Dotva for:

• Any illegal activities, including money laundering, fraud, or terrorist financing;
• Purchasing prohibited goods or services (see Risk Control Policy);
• Transactions with OFAC-sanctioned individuals, entities, or jurisdictions;
• Creating multiple accounts to circumvent platform restrictions;
• Accessing the platform through unauthorized automated means.

Violations may result in immediate account suspension and reporting to relevant authorities.

7. Wallet and Funds

7.1 Funds in your Workspace Wallet are denominated in USD. USDT deposits are converted by our third-party payment partner at the prevailing exchange rate at the time of confirmation.

7.2 The minimum deposit amount is 200 USDT.

7.3 Dotva does not pay interest on Wallet balances.

7.4 Withdrawal requests are subject to compliance review and are processed within 7–15 business days. Dotva reserves the right to delay, reduce, or refuse a withdrawal where there is, without limitation, an active risk flag, an outstanding fee obligation, or a pending compliance matter. Each request is reviewed individually as set out in §7.8.

7.5 Dotva is not a custodian or trustee of Wallet funds. Wallet balances are operational funds held for the purpose of funding card operations and are not protected by any deposit insurance scheme.

7.6 Settlement Reserve and Withdrawal Conditions. Card transactions may settle, reverse, or be force-posted by merchants after authorization — including after a card has been frozen or closed. To protect against resulting shortfalls, Dotva may, at its discretion: (a) require that cards be frozen or closed before a full-balance withdrawal is processed; (b) withhold from any withdrawal, or require you to maintain in your Wallet, a reserve sufficient to cover pending authorizations, unsettled transactions, anticipated fees, post-closure clawbacks, and risk penalties; and (c) hold such reserve until the applicable card network settlement and chargeback windows have elapsed. Dotva may decline or reduce any withdrawal that would leave the Wallet with insufficient funds to cover these amounts.

7.7 Negative Balances and Continuing Liability. Withdrawing funds or closing your account or Workspace does not release you from liability for amounts subsequently charged to your Wallet. If your Wallet balance becomes negative — whether due to late or force-posted merchant charges, post-closure clawbacks, fees, or risk penalties — you remain liable for the full negative amount and agree to repay it promptly upon demand. Without limiting its other remedies, Dotva may: (a) set off the outstanding amount against any current or future Wallet balance or other funds you hold with Dotva; (b) suspend the Workspace and all associated cards until the balance is cleared; and (c) pursue collection of the outstanding amount, including reasonable costs of recovery.

7.8 Withdrawal Review and Discretion. Each withdrawal request is reviewed individually before processing. Dotva may, in its reasonable discretion and acting in good faith, approve a request in whole or in part, reduce the amount payable, delay processing, request additional information or verification, or decline a request. In assessing a request, Dotva may consider any relevant risk and compliance factors, including without limitation: the Workspace's transaction decline and chargeback rates; merchant categories and any flagged or blacklisted merchant activity; the presence of pending authorizations, unsettled transactions, or recently closed cards; current or historical negative Wallet balances; account age and funding history; deposit and withdrawal patterns indicative of abuse; sanctions (OFAC) screening of the destination address; and any applicable anti-money-laundering, Travel Rule, or other legal obligations. Dotva may require you to provide identity or source-of-funds information and may withhold processing until such information is provided and verified. The standard processing time stated in §7.4 may be extended where additional review is warranted. Approval or processing of any withdrawal does not waive Dotva's rights with respect to any other or future request, and is not a representation that the Workspace is free of outstanding obligations.

8. Security

8.1 You are responsible for enabling and maintaining two-factor authentication (TOTP) on your account.

8.2 You must immediately notify Dotva if you suspect unauthorized access to your account or Workspace.

8.3 All sensitive operations (card secret reveal, withdrawals) require step-up re-verification.

8.4 You are responsible for the security of any API tokens issued under your Developer subscription. Dotva is not liable for unauthorized API usage resulting from token exposure.

9. Privacy

Your use of Dotva is subject to our Privacy Policy, which is incorporated by reference into this Agreement.

10. Intellectual Property

All platform software, designs, trademarks, and content are the exclusive property of Dotva Inc. You are granted a limited, non-exclusive, non-transferable, revocable license to use the platform solely for your internal business purposes. You may not copy, modify, distribute, or reverse-engineer any part of the platform.

11. Termination

11.1 Dotva reserves the right to suspend or terminate any account or Workspace at any time for:

• Violation of this Agreement or the Risk Control Policy;
• Suspicious activity or compliance concerns;
• Non-payment of platform fees or outstanding penalties;
• Request by a regulatory authority or card network.

11.2 Upon termination, remaining Wallet balances (minus any outstanding fees, penalties, and holds) will be returned to the Workspace Owner within a commercially reasonable time, subject to completion of any required compliance review.

11.3 Dotva is not liable to the Workspace Owner or any Workspace member for losses arising from account suspension or termination where the cause is a violation of this Agreement.

12. Limitation of Liability

12.1 TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, DOTVA'S TOTAL LIABILITY TO YOU FOR ANY CLAIM ARISING FROM OR RELATED TO THIS AGREEMENT SHALL NOT EXCEED THE TOTAL FEES PAID BY YOU TO DOTVA IN THE THREE (3) MONTHS PRECEDING THE CLAIM.

12.2 DOTVA IS NOT LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING LOSS OF PROFITS, LOSS OF DATA, OR BUSINESS INTERRUPTION, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

12.3 Dotva is not liable for delays, failures, or losses caused by third-party card issuers, payment networks, blockchain network congestion, or force majeure events beyond Dotva's reasonable control.

13. Indemnification

You agree to indemnify, defend, and hold harmless Dotva Inc., its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, costs, and expenses (including reasonable legal fees) arising out of or related to: (i) your use of the platform; (ii) activities conducted within your Workspace; (iii) your violation of this Agreement or any applicable law; or (iv) any dispute between you and a third party.

14. Governing Law and Dispute Resolution

14.1 This Agreement shall be governed by and construed in accordance with the laws of the State of New York, United States, without regard to its conflict of law provisions.

14.2 Any dispute arising out of or relating to this Agreement shall be subject to the exclusive jurisdiction of the state and federal courts located in New York County, New York. You hereby consent to personal jurisdiction and venue in such courts.

15. Changes to This Agreement

Dotva may update this Agreement at any time. We will notify you of material changes via email or in-app notification at least 15 days before they take effect. Continued use of the platform after the effective date of any update constitutes your acceptance of the revised terms.

16. Severability

If any provision of this Agreement is found to be unenforceable, the remaining provisions will continue in full force and effect.

17. Contact

For questions regarding this Agreement, contact us at: support@dotva.io