PERFECT MONEY
TERMS AND CONDITIONS
Effective Date: 2007/02/15
Last Updated: 2026/03/23
Website: https://www.perfectmoneycard.com
Operating Entity: PerfectMoney SI
Contact Email: contact@perfectmoney.com
1. Introduction and Acceptance
These Terms and Conditions (“Terms”) govern your access to and use of the Perfect Money website, electronic wallet services, payment cards, transfers, cryptocurrency-related services, and any other products or services made available through our platform.
In these Terms, “Perfect Money,” “we,” “us,” and “our” refer to [Insert Full Legal Company Name], the legal entity responsible for providing the relevant services.
“Customer,” “user,” “you,” and “your” refer to any individual or entity that accesses our website, creates an account, or uses our services.
By creating an account or using our services, you acknowledge that you have read and understood these Terms and agree to comply with them, together with any applicable service-specific terms disclosed to you.
If you do not agree to these Terms, you must not use the services.
Important: These Terms do not replace any mandatory rights or protections available to you under applicable law.
2. Eligibility and Account Registration
To use our services, you must:
Meet the minimum legal age required to enter into a binding agreement in your jurisdiction.
Have the legal capacity to accept these Terms.
Provide accurate, complete, and up-to-date registration information.
Reside in a country or territory where the relevant service is legally available.
Complete any identity verification or compliance checks required for the service.
Use the account for lawful purposes and in accordance with these Terms.
We don't restrict registration or access where required by applicable law, licensing requirements, sanctions, risk controls, or service availability.
You must not register using another person's identity, provide misleading information, or create multiple accounts to bypass account restrictions.
3. Account Security
You are responsible for protecting your account credentials and using reasonable security measures to prevent unauthorized access.
You must:
Keep your password and authentication credentials confidential.
Use a strong, unique password.
Notify us promptly if you suspect unauthorized access or fraudulent activity.
Keep your contact details up to date.
Cooperate with reasonable security checks relating to your account.
We will handle security incidents and unauthorized transactions in accordance with applicable law and the relevant service terms.
We will never require you to disclose your account password or full authentication credentials by ordinary email. You should not send your password, full card PIN, or recovery codes to anyone claiming to represent our support team.
4. Electronic Wallet Services
Where available, Perfect Money may provide electronic wallet functionality that allows eligible customers to hold, receive, send, or manage supported balances.
The availability of each wallet currency, balance type, and transaction function depends on the services enabled for your account.
You agree that:
Wallet balances and transaction records will be displayed through your account interface.
Transactions may be subject to limits, fees, verification requirements, and processing times.
Certain transactions may require additional confirmation or compliance review.
Displayed balances may be updated to reflect completed transactions, applicable fees, adjustments, or corrections.
5. Payment Card Services
Perfect Money may make payment cards available to eligible customers through Mastercard and Visa.
Card availability, eligibility, currency, spending limits, ATM functionality, merchant acceptance, and supported countries depend on the card program and the applicable issuer terms.
Where supported, a card may allow the holder to make purchases, withdraw cash from compatible ATMs,P.O.S and NFC payments , GooglePay and Applepay or perform other permitted transactions.
You acknowledge that:
Card issuance may require identity verification and approval for some countries.
Card activation may require for some countries and must be completed through the authorized activation process.
The card must be used only by its authorized holder, unless the issuer expressly permits otherwise.
ATM withdrawals and purchases may be subject to limits and third-party fees.
Some merchants, ATMs, countries, or transaction categories may not be supported.
The card issuer may impose additional rules, limits, or restrictions.
A card order, payment, or activation request does not by itself guarantee approval or successful activation.
6. Card Activation and Verification
Where card activation is required, customers must follow the instructions provided through the official Perfect Money website or another authorized channel.
Customers may be required to provide information or complete verification steps to establish eligibility and protect against fraud.
You must:
Enter accurate information that matches the required account or verification records.
Use only authorized activation links and channels.
Submit only information that you are authorized to provide.
Contact official support if an activation attempt fails or an activation instruction appears suspicious.
Activation may be delayed or declined if required information is incomplete, inconsistent, unverified, or otherwise does not satisfy the applicable requirements.
Any activation code, transaction reference, or PIN Code must be used only for its stated purpose and handled securely. We will not ask you to disclose your account password or unrelated authentication credentials.
7. Deposits and Funding
Where available, customers may fund their accounts using the payment methods displayed in their account or during deposits.
Supported methods may include bank transfers, card payments, money transfer agencies , cryptocurrency transfers, or other approved payment channels.
All deposits are subject to the rules of the selected payment provider and the relevant service.
You are responsible for:
Sending funds using the correct payment method and network.
Entering the correct destination address and payment reference.
Checking the amount, currency, network, and applicable fees before confirming a transfer.
Ensuring that the funds originate from lawful activities and that you are authorized to use them.
Deposits may be delayed because of network congestion, bank processing, payment-provider or technical problems.
Cryptocurrency transactions are generally difficult or impossible to reverse once confirmed on the relevant blockchain. Sending assets to an incorrect address or using an unsupported network may result in a permanent loss of funds.
We will handle misdirected or incorrectly submitted payments in accordance with applicable law, the capabilities of the relevant payment provider, and any disclosed recovery procedure. Recovery is not guaranteed and may involve additional fees where legally permitted and disclosed.
8. Withdrawals
Eligible customers may request withdrawals through the methods available to their account.
Withdrawal methods may include supported cryptocurrency networks, bank transfers, card-related payout methods, money transfer agencies or other approved channels.
Withdrawal requests may be subject to:
Available balance and transaction limits.
Applicable fees and exchange rates.
Identity and source-of-funds verification.
Security and compliance reviews.
Payment-provider processing times.
Restrictions imposed by the receiving institution or payment network.
A withdrawal request is not considered completed merely because it has been submitted. Its status will be shown through the account interface or communicated through an authorized channel.
Where funds are temporarily reserved during withdrawal processing, we will disclose the relevant process. If a withdrawal is rejected or cancelled, any reserved amount will be handled according to the applicable service rules and law.
We will not retain customer funds indefinitely without a lawful basis. Where a transaction is delayed or rejected, we will provide appropriate information and a process for requesting assistance, subject to legal and security restrictions.
9. Transfers Between Customers
Where customer-to-customer transfers are available, users may transfer eligible balances to supported recipients.
Before confirming a transfer, you should verify the recipient identifier, amount, currency.
You are responsible for checking the details you enter. We are unable to reverse a completed transfer, particularly where the recipient has already received or withdrawn the funds.
If you believe a transfer was unauthorized, fraudulent, or made in error, contact official support immediately.
We may delay or review transfers when required for security, fraud prevention, legal compliance, or investigation of suspected unauthorized activity.
10. Cryptocurrency Services and Exchange Transactions
Where legally permitted and available, Perfect Money may facilitate cryptocurrency deposits, withdrawals, conversions, or exchange transactions through its own authorized arrangements or third-party providers.
Supported assets, networks, trading pairs, and transaction limits may change over time.
Before confirming a conversion or exchange, you should review the displayed exchange rate, applicable fees, estimated amount to be received, and any relevant network charges.
You acknowledge that:
Cryptocurrency prices may change rapidly.
Exchange rates may differ between providers and platforms.
Blockchain transactions may be delayed, rejected, or subject to network congestion.
Transfers may be irreversible after blockchain confirmation.
Digital assets may experience substantial price volatility.
Availability may depend on your jurisdiction and the relevant provider.
Unless expressly stated in a separate agreement, we do not guarantee the value, liquidity, or future price of any cryptocurrency.
Nothing in these Terms constitutes investment advice, a recommendation to purchase an asset, or a promise of profit.
11. Fees, Charges, and Exchange Rates
Fees may apply to account services, card issuance, card activation, deposits, withdrawals, transfers, currency conversions, cryptocurrency transactions, or other services.
The applicable fees and exchange rates will be displayed or made available before you confirm a transaction, where required by law.
You are responsible for reviewing the applicable charges before proceeding.
Third-party banks, ATM operators, payment processors, card networks, and blockchain networks may impose additional charges. Where these charges are known and can reasonably be disclosed, we will provide the relevant information.
We will not introduce undisclosed charges contrary to applicable law.
12. Transaction Limits and Processing Times
We may apply limits to deposits, withdrawals, card transactions, transfers, conversions, and account balances.
Limits may depend on verification status, account type, transaction history, service availability, risk controls, or legal requirements.
Processing times are estimates unless expressly stated otherwise. Delays may occur because of third-party providers, banking hours, blockchain confirmation times, security reviews, technical interruptions, or circumstances beyond our reasonable control.
Where a delay materially affects a transaction, customers may contact support for an update.
13. Identity Verification and Compliance
We may be required to verify customer identity, residence, source of funds, source of wealth, transaction purpose, or other relevant information.
Verification requirements may arise from applicable laws, regulatory obligations, the requirements of a card issuer, banking partner, payment provider, or other authorized service provider.
You agree to provide genuine, accurate, and current documentation when reasonably required for a lawful verification purpose.
We will process identity documents and other personal information in accordance with our Privacy Policy and applicable data protection laws.
Where legally required, we may restrict, delay, or decline transactions, or disclose information to competent authorities or authorized providers.
We will not claim to hold a particular financial license or regulatory authorization unless that authorization has actually been granted and applies to the relevant service.
14. Prohibited Activities
You must not use Perfect Money to:
Commit fraud, theft, money laundering, terrorist financing, or other unlawful activity.
Violate applicable sanctions or financial restrictions.
Conceal the origin, ownership, or destination of funds for an unlawful purpose.
Use stolen payment methods, forged documents, or another person's identity without lawful authorization.
Facilitate scams, phishing, unauthorized transactions, or deceptive commercial activity.
Circumvent identity verification, transaction limits, or security controls.
Exploit technical vulnerabilities, interfere with the platform, or access another user's account without authorization.
Use the services for transactions prohibited by applicable law or the relevant service provider.
Provide false or misleading information in connection with an account, card, transaction, or verification process.
We may investigate suspected violations and take proportionate action consistent with applicable law and these Terms.
15. Account Suspension, Restrictions, and Closure
We may restrict or suspend access to some or all services where reasonably necessary to:
Protect an account or customer from suspected fraud or unauthorized access.
Investigate suspicious transactions or security incidents.
Meet a legal, regulatory, sanctions, or court-order requirement.
Respond to a material breach of these Terms.
Address a material operational or security risk.
Comply with requirements imposed by an authorized issuer or service provider.
Where legally permitted and reasonably practicable, we will notify the customer of the restriction and explain the available steps to resolve it.
You may request account closure by contacting [Insert Official Support Email] or following the closure procedure available on the website.
Before closing an account, you may be required to complete pending transactions, resolve outstanding obligations, or arrange the lawful disposition of eligible remaining balances.
Account closure does not eliminate rights or obligations that arose before closure.
16. Refunds and Cancellations
Refund eligibility depends on the nature of the transaction, the applicable service terms, the payment method, and the law governing the transaction.
Fees for services already supplied may be non-refundable only where that treatment is lawful and has been properly disclosed.
Card issuance, personalization, delivery, activation, and other service fees may be subject to separate refund conditions, which must be made available before purchase.
Where a payment was unauthorized, duplicated, incorrectly processed, or otherwise eligible for a remedy under applicable law, you may submit a request for review.
Nothing in these Terms removes any mandatory consumer rights that apply to you.
17. Errors and Unauthorized Transactions
If you identify an incorrect balance, duplicate transaction, unauthorized transfer, suspicious card payment, or other transaction error, contact us promptly through [Insert Official Support Channel].
Include the relevant transaction reference, date, amount, currency, and a description of the issue. Do not send your password, full card PIN, or full authentication codes.
We will review the report and take appropriate steps in accordance with applicable law and the relevant service terms.
You should also contact the relevant card issuer, bank, payment provider, or wallet provider where their procedures apply.
Reporting deadlines and dispute procedures may vary by service and jurisdiction. Any applicable deadlines will be communicated through the relevant terms or required disclosures.
18. Privacy and Personal Data
We collect and use personal information as necessary to provide services, administer accounts, process transactions, protect platform security, and respond to customer requests.
The categories of data collected, legal bases for processing, recipients, retention periods, international transfers, and customer rights are explained in our Privacy Policy.
By using the services, you acknowledge that personal data will be handled , subject to applicable law.
19. Electronic Communications
You agree that we may communicate with you electronically regarding account activity, transactions, verification requests, security notices, changes to these Terms, and service-related information.
Communications may be delivered through your account dashboard, registered email address, or other authorized channels.
You are responsible for maintaining access to your registered email address and keeping your contact information current.
Important notices will be provided in accordance with applicable law. Marketing communications, where sent, will be handled according to applicable consent and opt-out requirements.
20. Service Availability and Technical Interruptions
We aim to provide reliable access to the platform but do not guarantee uninterrupted or error-free service.
Services may occasionally be unavailable because of maintenance, technical failures, security incidents, network interruptions, or issues involving third-party providers.
Where reasonably practicable, we will take appropriate steps to restore service and communicate material interruptions.
Nothing in this section excludes liability where such exclusion is prohibited by applicable law.
21. Third-Party Services
Certain services may depend on external card issuers, banks, payment processors, cryptocurrency providers, blockchain networks, identity verification providers, or technology partners.
Those third parties may have separate terms, fees, eligibility rules, and privacy practices.
We will identify relevant third-party providers where required by law or necessary to explain the service.
We are not responsible for independent services outside our control, except to the extent responsibility cannot lawfully be excluded or arises from our own acts or omissions.
22. Intellectual Property
Unless otherwise stated, the website's content, design, text, graphics, logos, software, and other materials are owned by or licensed to the relevant rights holder.
You may use the website for its intended lawful purposes. You must not copy, distribute, modify, reverse engineer, or commercially exploit protected materials without permission, except where permitted by applicable law.
Any third-party trademarks, card-network marks, or payment-provider logos remain the property of their respective owners.
Use of a third-party trademark does not necessarily imply endorsement, partnership, or authorization.
23. Disclaimers
The services are provided subject to the terms, conditions, and limitations applicable to each service.
Information displayed on the website is intended to explain our services and is not a guarantee that every feature will be available to every customer or in every jurisdiction.
We do not guarantee cryptocurrency prices, investment returns, uninterrupted access, universal merchant acceptance, or the availability of third-party banking and payment services.
Nothing in these Terms excludes a warranty, representation, or legal responsibility that cannot lawfully be excluded.
24. Limitation of Liability
To the extent permitted by applicable law, we will not be liable for indirect or consequential losses that are not reasonably foreseeable, including certain losses of business opportunity or anticipated profit.
Our liability for a specific service may be subject to additional limitations disclosed in the applicable service agreement, provided those limitations are lawful.
Nothing in these Terms limits or excludes liability for fraud, fraudulent misrepresentation, wilful misconduct, gross negligence where exclusion is prohibited, death or personal injury caused by negligence where applicable law prohibits exclusion, or any other liability that cannot lawfully be limited.
Any limitation of liability must be interpreted in accordance with the mandatory laws applicable to the customer and the service.
25. Indemnification
To the extent permitted by applicable law, you may be responsible for reasonable losses or costs directly resulting from your unlawful use of the services, fraud, or material breach of these Terms.
This provision does not make you responsible for losses caused by our own breach of law, negligence, misconduct, or other conduct for which liability cannot lawfully be transferred to you.
26. Changes to These Terms
We may update these Terms when necessary to reflect changes to our services, operations, security practices, legal requirements, or third-party arrangements.
The updated version will be published on this website with a revised “Last Updated” date.
Where required by law, we will provide advance notice or obtain your consent before material changes take effect.
If you do not agree to a change, you may stop using the affected services and, where available and lawful, request account closure in accordance with the applicable procedures.
Changes will not retroactively remove rights that cannot lawfully be removed.
27. Governing Law and Dispute Resolution
These Terms are governed by the laws of Switzerland SI e-services , subject to mandatory consumer protection and other laws that apply to you.
Any dispute arising from these Terms will be handled by the courts or dispute resolution bodies with jurisdiction under applicable law.
Where legally permitted, the parties may first attempt to resolve a dispute through the official customer support process.
Nothing in this section deprives a consumer of any mandatory right to bring proceedings before a competent court or authority.
28. Severability
If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will continue to apply to the extent permitted by law.
The invalid provision will be interpreted or replaced only to the extent necessary to achieve a lawful result consistent with the original purpose.
29. No Waiver
Failure or delay in enforcing a provision of these Terms does not constitute a waiver of that provision or any other right, unless applicable law provides otherwise.
30. Assignment
You may not transfer your account or rights under these Terms to another person without our prior written consent, except where permitted by applicable law.
We may transfer or assign our rights and obligations in connection with a lawful business restructuring, merger, or transfer of services, subject to any required notices, consents, and legal protections.
31. Account Integrity and Fair Use
Customers must use Perfect Money services honestly and responsibly. Any attempt to manipulate transactions, abuse platform features, submit false information, or exploit technical errors is strictly prohibited. We reserve the right to investigate suspected misuse and take appropriate action in accordance with these Terms and applicable law.
32. Certified Exchanger Services
32.1 Overview
Perfect Money may provide a Certified Exchanger program that allows eligible customers to exchange supported currencies or digital assets through exchangers approved or recognized by the platform.
Certified Exchangers are subject to applicable platform requirements, verification procedures, and transaction rules. The availability of exchanger services depends on the customer's location, supported currencies, and applicable legal requirements.
32.2 Exchanger Verification and Approval
Applicants seeking Certified Exchanger status may be required to provide identity documents, business registration details, contact information, payment details, and other information reasonably necessary for verification.
Approval is subject to review and does not constitute a guarantee of future performance, solvency, or regulatory authorization.
Perfect Money may approve, reject, suspend, or revoke an exchanger's status in accordance with its policies and applicable law.
32.3 Exchange Requests and Rates
Before confirming an exchange, customers should review the exchange rate, amount to be exchanged, expected amount to be received, applicable fees, and estimated processing time.
Exchange rates may vary between exchangers and may change due to market conditions. A rate is binding only where the applicable exchange process or agreement confirms that it has been accepted.
Customers are responsible for checking the recipient details and transaction information before submitting an exchange request.
32.4 Payments and Processing
Exchange requests may require payment through the methods and accounts specified by the selected exchanger.
Customers must follow the payment instructions provided for the specific transaction. Payments sent to incorrect accounts, using unsupported networks, or without required references may be delayed or difficult to recover.
Processing times depend on the selected exchanger, payment method, verification requirements, and relevant banking or blockchain networks.
32.5 Fees and Exchange Charges
Exchangers may apply service fees, exchange-rate margins, or other charges, provided these are disclosed before the customer confirms the transaction and are permitted by applicable law.
Customers should verify the final amount they will receive before proceeding.
32.6 Customer Responsibilities
Customers must provide accurate information, use payment methods they are authorized to use, and ensure that all transactions comply with applicable laws.
Customers must not use exchanger services for fraud, money laundering, sanctions evasion, unauthorized payments, or other unlawful activities.
32.7 Disputes, Delays, and Complaints
If an exchange is delayed, incomplete, or disputed, customers should first contact the exchanger through the authorized communication channel and retain the transaction reference and payment confirmation.
Customers may also contact Perfect Money support for assistance in accordance with the platform's complaint-handling procedures.
The availability of support or mediation does not guarantee that a transaction can be reversed or that funds can be recovered.
32.8 Suspension and Removal
Perfect Money may suspend or remove an exchanger from the program where there is suspected fraud, a material breach of platform rules, failure to meet verification requirements, or another lawful reason.
Any pending transactions will be handled in accordance with applicable law, the relevant transaction terms, and any necessary security or compliance review.
33. Political Neutrality and Sanctions Compliance
Perfect Money does not support or promote any political party, political movement, or political agenda. All services must be used in compliance with applicable laws, international sanctions, and financial restrictions.
We reserve the right to restrict or refuse transactions where required by applicable law or where necessary to comply with relevant sanctions obligations.
Customers are responsible for ensuring that their activities comply with the laws and restrictions applicable to them.
34. Anti-Fraud and Account Protection
Perfect Money is committed to protecting the platform and its customers against fraud, scams, and unauthorized activity. Transactions may be reviewed or temporarily restricted when suspicious activity is detected. Customers must provide accurate information and cooperate with reasonable security checks. Any suspected fraud should be reported promptly through official customer support channels.