RUENESSR

Public Offer / Terms of Service

Effective date: March 2, 2026
OCTOPRO OÜ · Reg. No. 16515516 · Harju maakond, Tallinn, Roseni tn 13, Estonia

1. Parties

This agreement is entered into between:

OCTOPRO OÜ, registered in the Republic of Estonia, registration number 16515516, address: Harju maakond, Tallinn, Roseni tn 13 (hereinafter — the "Service")

and the individual using the Service (hereinafter — the "User").

By registering in the Service, issuing a Card, or commencing use of the services, the User accepts this public offer (agreement) in full.

2. Legal Nature of the Service

2.1. The Service is exclusively an IT provider and does not provide banking or financial services.

2.2. The Service:

  • is not a credit institution;
  • is not an electronic money institution (EMI);
  • is not a payment institution;
  • does not hold User funds as a deposit.

2.3. All User balances constitute a technical record (ledger) in the Service's system, not monetary funds.

2.4. The User agrees that:

  • funds are not protected by EU guarantee schemes;
  • the Service is not obliged to ensure liquidity;
  • access to funds may be restricted at any time.

3. Subject Matter

3.1. The Service provides access to:

  • issuance of virtual cards;
  • card management;
  • non-cash online payments;
  • contactless offline payments via tokenization (Apple Pay, Google Pay).

3.2. Virtual cards are provided through partner organizations. The Service is not the card issuer and does not control decisions of payment systems.

3.3. The Card may be used for:

  • online payments — purchases of goods and services at online merchants;
  • offline contactless payments — by adding the Card to Apple Pay or Google Pay (tokenization). The virtual card number is tokenized and used for NFC payments at physical terminals.

3.4. The availability of Apple Pay / Google Pay depends on the card issuer, device, and the User's country. The Service does not guarantee support from Apple or Google and is not liable for any refusals on their part.

4. Top-up and Nature of Funds

4.1. Accepted top-up methods:

  • USDT (TRC-20) — available to all Users;
  • Russian rubles (RUB) — available only after passing basic KYC verification.

4.2. USDT deposits are one-way only. Withdrawal of USDT from the Service is not available. USDT credited to the User's wallet is converted into card balance and cannot be reversed.

4.3. The User agrees that:

  • cryptocurrency transactions are irreversible;
  • exchange rate losses are possible;
  • the Service bears no responsibility for cryptocurrency volatility.

4.4. The Service may:

  • convert funds at its own internal rates;
  • apply commissions and fees.

5. Strict Usage Restrictions

5.1. The following are strictly prohibited:

  • cash withdrawal in any form;
  • transfers between cards or accounts (P2P);
  • use of the Card as a storage or savings tool;
  • any cash-out schemes or attempted encashment;
  • multiple accounts (multi-accounting);
  • use via proxy/VPN to circumvent geographic restrictions.

5.2. Prohibited merchant categories:

  • gambling, including online casinos, betting, and gaming;
  • adult services;
  • high-risk MCC transactions;
  • payment arbitrage, fraud, scam, and abuse schemes;
  • money laundering (AML) and terrorist financing (CTF);
  • circumvention of sanctions, regulatory, or geographic restrictions;
  • activities violating EU, Estonian, or other applicable laws.

5.3. The Service independently determines the nature of transactions and their permissibility without obligation to prove violations to the User.

6. Compliance, KYC, and Monitoring

6.1. The Service performs AML/KYC checks in accordance with Estonian and EU legislation.

6.2. The Service may at any time:

  • request documents and confirmations;
  • conduct video identification;
  • suspend operations until verification is complete.

6.3. Refusal to undergo verification is grounds for blocking the account.

6.4. Fiat (RUB) top-ups are only available after the User successfully completes basic KYC verification.

7. Blocking and Forfeiture of Funds

7.1. The Service may without prior notice:

  • block the Card;
  • restrict operations;
  • freeze funds.

7.2. Grounds include but are not limited to:

  • suspected violation of these Terms;
  • requirements of partners or regulators;
  • chargeback or risk of refunds;
  • suspicious activity.

7.3. In case of confirmed or suspected violations, funds may be withheld or fully forfeited.

7.4. The Service is not obligated to:

  • notify in advance;
  • disclose reasons;
  • provide evidence.

8. Funds Retention

8.1. The Service may retain funds:

  • for up to 365 calendar days;
  • longer — upon request of partners or regulators;
  • until the investigation is complete;
  • until obligations to third parties are fulfilled.

9. Chargeback

9.1. Any initiated chargeback procedure may result in:

  • immediate blocking;
  • funds retention;
  • termination of service;
  • penalties.

9.2. The User agrees to compensate all losses of the Service caused by a chargeback, including fines, commissions, and expenses of partners.

10. Refund of Funds

10.1. A refund is possible only when all conditions are met simultaneously:

  • the Card is fully closed;
  • the User has ceased using the Service;
  • there are no violations;
  • all KYC/AML checks have been passed.

10.2. Refund timeline: no earlier than 180 calendar days after the Card is closed.

10.3. The Service may:

  • deduct commissions and expenses;
  • refuse a refund in case of violations or risks;
  • request additional documents.

11. Commissions and Fees

11.1. The Service may unilaterally:

  • set and change commissions;
  • introduce limits;
  • change transaction conditions.

11.2. Current conditions are published in the Service interface.

12. Limitation of Liability

12.1. The Service is not liable for:

  • actions of banks, issuers, and payment systems;
  • transaction declines;
  • blocks by third parties;
  • indirect or consequential losses.

12.2. The maximum liability of the Service is limited to 0 EUR or the remaining account balance, at the discretion of the Service.

13. Indemnification

13.1. The User undertakes to compensate ALL losses of the Service, including:

  • fines and penalties;
  • chargeback costs;
  • third-party claims;
  • legal fees and expenses.

14. Termination

14.1. The Service may terminate service at any time without explanation.

14.2. The User may terminate use by closing the Card and ceasing use of the Service.

14.3. Termination does not release the User from obligations arising during the period of use.

15. Applicable Law and Jurisdiction

15.1. This agreement is governed by the laws of the Republic of Estonia.

15.2. All disputes shall be resolved in the courts of Estonia, or through arbitration at the discretion of the Service.

16. Amendments

16.1. The Service may amend these Terms at any time.

16.2. Continued use of the Service constitutes acceptance of the updated Terms.

16.3. The current version is always published on the website.