TERMS AND CONDITIONS
Last Updated: October 3, 2024
Welcome to Total Credit Plus. By using our services, you agree to abide by the following Terms and Conditions. Please read them carefully. If you do not agree to any of the terms, you won't have access to our services.
1. Definitions
1.1 Total Credit Plus refers to Total Credit Plus, a company that offers financial products and prepaid credit cards to unbanked users in Latin America, the United States, Asia and Europe.
1.2 User or Client refers to any person who uses Total Credit Plus' services, including the website, mobile application or any product or service provided by the company.
1.3 Total Credit Plus Card means the prepaid Mastercard offered by Total Credit Plus for payments, transfers and other financial transactions.
2. Eligibility
2.1 You must be over 18 years of age and have the legal capacity to enter into binding contracts in order to use the Total Credit Plus services.
2.2 By using our services, you warrant that the information provided is true, accurate and complete.
3. Use of the Services
3.1 The use of Total Credit Plus services is subject to the regulations in force in the region where you operate. You are responsible for ensuring that your use of the card or our services complies with local laws.
3.2 Users undertake to use the Card and Total Credit Plus services only for lawful and legitimate purposes.
4. Prepaid Card
4.1 The Total Credit Plus prepaid card is a financial product that allows users to make purchases, transfers and payments at points of sale and online.
4.2 The Card is not a credit card; Funds must be charged to the card prior to use.
4.3 The Prepaid Card may be subject to certain fees, including activation, monthly maintenance, top-up, and international transaction fees. These fees are detailed in the fees section on the Total Credit Plus website.
5. Top-ups and Funds
5.1 Users can top up funds on their card through Total Credit Plus-approved methods, which are listed on the Website or Mobile App.
5.2 Funds topped up on the card do not earn interest.
6. Remittances and Transfers
6.1 Users may use the Total Credit Plus Card to send and receive remittances, as well as to make transfers between Total Credit Plus users, provided that this is permitted by applicable regulations.
6.2 All transfers are subject to security review and may be limited by the applicable laws of each country.
7. Account Security
7.1 Users are responsible for maintaining the confidentiality of their account information, including their password.
7.2 In the event of loss or theft of the card, users must notify Total Credit Plus immediately so that the card can be blocked and unauthorized use prevented.
8. Privacy Policy
8.1 Protecting your privacy is important to Total Credit Plus. Please see our "Privacy Policy" for more details on how we collect, use and protect your personal information.
9. Limitations of Liability
9.1 Total Credit Plus shall not be liable for:
- Any loss resulting from improper use of the card or account, including theft or loss of the card.
- Damage or loss caused by technical failures, service interruptions, or causes beyond our control.
- Indirect or consequential losses resulting from the use of the card or services.
10. Modifications to the Terms and Conditions
10.1 Total Credit Plus reserves the right to amend these Terms and Conditions at any time. Users will be notified of changes through our website or mobile application.
10.2 Your continued use of the Services following notice of the changes will constitute acceptance of the new terms.
11. Termination of Service
11.1 Total Credit Plus reserves the right to suspend or terminate access to its services in case the user violates these Terms and Conditions, or for any other reason at the discretion of the company.
12. Governing Law
12.1 These Terms and Conditions are governed by the laws of [Country] and any dispute arising in connection with them shall be resolved in the competent courts of [Country].
13. Contact
13.1 For any queries or issues relating to these Terms and Conditions, you can contact us via customerservice@totalcreditplus.com