Effective Date: 2026-01-20

1. Introduction

This Card Services Disclosure (“Disclosure”) explains important information regarding the payment card services made available through PassCash.

PassCash provides access to digital and physical payment card solutions through licensed third-party financial institutions, card issuers, payment networks, banking partners, and service providers.

This Disclosure explains how PassCash card services operate, the responsibilities of users, applicable limitations, and important risks associated with using payment cards.

By requesting, activating, or using a PassCash card, users acknowledge and agree to the terms outlined in this Disclosure.

2. Card Service Provider Relationships

PassCash may partner with regulated financial institutions, card issuers, payment processors, and technology providers to provide card-related services.

PassCash may not directly issue payment cards or hold customer card balances unless expressly stated.

The applicable card issuer or financial institution may:

1. Issue and manage payment cards;
2. Maintain card program requirements;
3. Process card transactions;
4. Apply regulatory controls;
5. Establish additional card terms and conditions.

Users acknowledge that certain card services are subject to the terms, policies, and requirements of applicable third-party providers.

3. Card Availability

Card availability may depend on:

1. User eligibility;
2. Geographic location;
3. Identity verification requirements;
4. Regulatory requirements;
5. Availability from card providers;
6. Program limitations.

PassCash reserves the right to restrict, suspend, or discontinue card availability where necessary for legal, regulatory, operational, or security reasons.

4. Virtual and Physical Cards

PassCash may provide access to:

1. Virtual payment cards;
2. Physical payment cards;
3. Digital wallet-enabled cards;
4. Other card products offered through approved partners.

Card features, functionality, limits, supported currencies, and availability may vary depending on the applicable card program.

5. Card Activation and Usage

Users may be required to complete verification procedures before accessing or using card services.

Users are responsible for:

1. Keeping account information accurate.
2. Protecting card credentials.
3. Maintaining secure access to their accounts.
4. Reviewing transactions regularly.
5. Reporting unauthorized activity promptly.

Users must not use PassCash cards for unlawful, fraudulent, or prohibited activities.

6. Card Funding and Balances

Card funding methods and balance management may vary depending on the applicable card program.

Certain cards may operate independently from a PassCash wallet balance.

Users acknowledge that:

1. Funds loaded onto a card may be managed by the applicable card provider;
2. Card balances may not always be transferable back to a PassCash account;
3. Funding rules may vary by provider;
4. Additional restrictions may apply.

7. Card Fees and Charges

Card services may include fees such as:

1. Card issuance fees;
2. Replacement fees;
3. Delivery fees;
4. Transaction fees;
5. Foreign exchange charges;
6. Other applicable service charges.
7. Current fees are published through the PassCash Fees & Pricing Schedule.

Third-party providers may apply additional fees outside the control of PassCash.

8. Card Transaction Processing

Card transactions are processed through payment networks, card issuers, and financial service providers.

PassCash does not guarantee that every transaction will be approved.

Transactions may be declined due to:

1. Merchant restrictions;
2. Security reviews;
3. Insufficient funds;
4. Provider limitations;
5. Regulatory requirements;
6. Fraud prevention measures.

9. Unauthorized Transactions

Users must immediately notify PassCash of suspected unauthorized card activity.

Users may be required to provide:

1. Transaction details.
2. Supporting documentation.
3. Identity verification information.
4. Other information required for investigation.

Protection against unauthorized transactions may depend on applicable laws, card network rules, and provider policies.

10. Card Suspension or Termination

PassCash or applicable providers may suspend, restrict, or terminate card services due to:

1. Security concerns.
2. Fraud prevention requirements.
3. Regulatory obligations.
4. Violation of applicable terms.
5. Provider program changes.

Users may lose access to card services during investigations or compliance reviews.

11. Third-Party Card Providers

PassCash relies on third-party providers for certain card-related services.

PassCash is not responsible for:

1. Provider system outages.
2. Merchant acceptance issues.
3. Payment network interruptions;
4. Third-party policy changes.
5. Delays caused by external providers.

12. Important Card Risks

Users acknowledge that card services involve certain risks, including:

1. Unauthorized access.
2. Fraudulent transactions.
3. Service interruptions.
4. Merchant acceptance limitations.
5. Currency conversion fluctuations.
6. Regulatory changes.
7. Provider restrictions.

Users should carefully review card terms before using card services.

13. Contact Information

For questions regarding PassCash card services:

PassCash Investing LLC
Email: support@passcash.org
Website: https://passcash.org