Consumer Pilot Prepaid Card Agreement (Non-US B2C)

1.1 Individual Capacity: You enter into this Agreement as an individual natural person aged 18 or older ("Cardholder", "you", or "your") exclusively for your personal use during this closed pilot.

1.2 Strict Non-US Representation: You expressly represent, certify, and warrant that: (a) you are not a citizen or lawful permanent resident (Green Card holder) of the United States of America; (b) you are not physically located, residing, or accessing this service from within the United States; and (c) you will immediately cease using the card and notify Use Thrive if your residency status changes to the United States. Use Thrive does not offer consumer accounts in the US.

1.3 Customer Identification (KYC): Prior to card issuance, you must verify your identity by providing your full legal name, date of birth, residential address, government-issued photo ID (passport or national identity card), and a live biometric verification selfie. Use Thrive reserves the right to decline any pilot applicant without statement of cause.

2.1 100% Pre-Funded Facility: The Use Thrive Pilot Card is a non-depository, non-interest-bearing prepaid virtual card. It is not an open-end credit plan or credit card. You cannot spend more than the settled fiat/stablecoin balance available in your linked pilot ledger. Any transaction exceeding your available loaded funds will be immediately declined.

2.2 Loading with Stablecoins: You may fund your card exclusively by transferring supported stablecoins (USDC/USDT) from an un-hosted Web3 wallet or personal exchange account to your designated receiving address. Use Thrive does not accept physical cash, checks, or paper negotiable instruments.

2.3 No Insured Bank Deposit: Funds loaded to your card do not constitute deposits insured by the CDIC (Canada), FDIC (United States), or any government deposit insurance scheme. Funds represent prepaid stored-value intended solely for payment execution.

3.1 Strict Pilot Caps: To mitigate fraud and systemic risk during testing, Use Thrive imposes strict transaction limits: maximum single transaction of $2,500 USD, maximum daily spend of $5,000 USD, and aggregate monthly spend cap of $10,000 USD across your profile. Attempts to circumvent caps via velocity splitting will trigger automatic card freezing.

3.2 Program Revocation for Convenience: As this is an experimental closed beta, Use Thrive and the Issuer reserve the right to suspend, terminate, or modify the pilot program, or revoke your individual card privileges, at any time with or without prior notice. In the event of program discontinuation, remaining unspent loaded funds will be remitted back to your verified cryptocurrency wallet address within seven (7) business days.

4.1 Credential Protection: You are responsible for preserving the confidentiality of your card number, CVV, expiration date, and 3DS verification codes. You must not permit any third party to use your card.

4.2 Prompt Reporting of Compromise: If your card details are compromised, lost, or subject to unauthorized online usage, you must immediately freeze the card via the Use Thrive application and email support@usethrive.com. You will not be held responsible for unauthorized transactions occurring after you have successfully locked the card and transmitted written notice to our support team.

5.1 Merchant First Resolution: If you experience an issue with goods or services purchased with your card (e.g., non-delivery, incorrect billing), you must first make a reasonable, good-faith effort to resolve the dispute directly with the merchant.

5.2 Pilot Dispute Window: If the merchant refuses resolution, you may submit a formal transaction dispute via the application within thirty (30) days of the transaction settlement date. Investigations are conducted under Visa and Mastercard network rules. You must furnish supporting documentation (invoices, cancellation emails, shipping logs). Use Thrive will credit your balance if the chargeback is decided favorably by the network.

You agree never to use your card for: (a) purchasing illegal narcotics, prescription drugs without prescriptions, or weapons; (b) online gambling or betting platforms not licensed in your country of residence; (c) purchasing adult content or escort services; (d) peer-to-peer money transfers or quasi-cash transactions (cash advances, lottery tokens); or (e) sending funds to any party subject to international sanctions (OFAC/OSFI). Engaging in prohibited activities results in immediate permanent blacklisting.

This Agreement is governed by the laws of the Province of Ontario, Canada, and the federal laws of Canada applicable therein. Any dispute arising out of this Agreement that cannot be resolved informally within thirty (30) days shall be resolved by binding, individual arbitration in Toronto, Ontario (or conducted virtually) under the simplified rules of the Canadian Arbitration Association.