Terms of Service

Last updated: April 14, 2026

1. Acceptance of Terms

By accessing and using the NextCard-AI website and services, you agree to be bound by these Terms of Service. If you do not agree with these terms, you may not use our services.

2. Eligibility

To use our services, you must be at least 18 years old and have the legal capacity to enter into a binding contract. You represent and warrant that you meet these requirements.

3. Account Registration

When you register for an account, you agree to provide accurate, current, and complete information. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

4. Use of Services

You agree to use our services only for lawful purposes and in accordance with these Terms of Service. You may not use our services in any way that could damage, disable, overburden, or impair our systems.

5. Virtual Credit Cards

NextCard-AI provides virtual credit cards that can be used for online and in-store purchases. You are responsible for all transactions made with your virtual credit cards and must report any unauthorized use immediately.

6. Fees and Charges

Certain services may be subject to fees and charges. We will clearly disclose any fees before you use such services. You agree to pay all applicable fees and charges.

7. Privacy

Your privacy is important to us. Please review our Privacy Policy to understand how we collect, use, and protect your personal information.

8. Intellectual Property

All content and materials on our website, including but not limited to text, graphics, logos, and software, are the property of NextCard-AI and are protected by intellectual property laws.

9. Limitation of Liability

NextCard-AI shall not be liable for any direct, indirect, incidental, special, or consequential damages arising out of or in connection with your use of our services.

10. Termination

We may terminate or suspend your account at any time, without prior notice, for any reason, including but not limited to a violation of these Terms of Service.

11. Changes to Terms

We may update these Terms of Service from time to time. We will notify you of any changes by posting the updated terms on our website.

12. Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of the State of New York, without regard to its conflict of law provisions.

13. Contact Information

If you have any questions about these Terms of Service, please contact us at info@nextcard-ai.com.