Terms & Conditions

1. Service Overview

InstaBuySafe provides secure virtual payment cards for online purchases. Our service includes:

• Virtual Payment Cards: Instant generation of Visa/Mastercard compatible payment cards
• Secure Transactions: Purchases appear as "Digital Services" on statements
• Privacy Protection: No personal information collection or storage
• Instant Activation: Cards ready for use within 30 seconds
• 24/7 Support: Confidential customer assistance

2. Account Creation & Usage

Getting Started

• Only an email address is required
• No identity verification needed
• Instant card generation in 30 seconds
• You may create multiple cards

Acceptable Use

• Online purchases at legitimate merchants
• Digital content and services
• Subscription services
• Any legal commercial transaction

Prohibited Activities

• Illegal transactions or purchases
• Money laundering or fraud
• Circumventing merchant restrictions
• Reselling or sharing card details

3. Fees and Charges

Transparent Pricing

• Card Generation: Free for first card, $2.99 for additional cards
• Monthly Maintenance: No monthly fees or hidden charges
• Transaction Fees: None - pay exactly what you load
• Loading Fees: Free bank transfers, 3% for cryptocurrency
• International: No foreign transaction fees

Refund Policy

• Unused card balances refunded instantly
• Card generation fees non-refundable after use
• Disputed transactions resolved within 48 hours
• Full refunds for service issues

4. Privacy and Security

Information Protection

• Data Collection: Email address only - no personal information
• Transaction Privacy: Generic "Digital Services" billing descriptors
• No Tracking: We don't monitor your purchases or browsing
• Encryption: 256-bit SSL for all data transmission

Account Security

• Cards can be frozen instantly through support
• Real-time fraud monitoring and alerts
• No liability for unauthorized transactions
• Immediate replacement for compromised cards

5. Card Limits and Restrictions

Transaction Limits

• Single Transaction: $2,500 maximum per purchase
• Daily Limit: $5,000 across all cards
• Monthly Limit: $25,000 per account
• Card Balance: $10,000 maximum per individual card

Merchant Restrictions

• Online purchases only - no in-store transactions
• Some adult content merchants may be restricted
• Gambling and cryptocurrency exchanges limited
• Cash advance and money transfer services blocked

6. Service Availability

Uptime and Support

• Service Availability: 99.9% uptime guarantee
• Card Generation: Available 24/7 with instant activation
• Customer Support: Real-time assistance via phone, chat, email
• Maintenance Windows: Scheduled during low-usage periods

Service Interruptions

• Planned maintenance communicated 48 hours in advance
• Emergency maintenance may occur without notice
• Service credits provided for extended outages
• Alternative card options during maintenance

7. Account Termination

Voluntary Cancellation

• Instant Cancellation: Cancel anytime via phone or email
• Balance Refund: Unused balances returned within 24 hours
• Data Deletion: All account data permanently deleted
• No Penalties: No cancellation fees or charges

Service Termination

• InstaBuySafe may terminate accounts for terms violations
• 30-day notice provided for policy changes
• Remaining balances refunded even if terminated
• Appeal process available for disputed terminations

8. Legal and Compliance

Regulatory Compliance

• Secure banking through trusted partners
• PCI DSS Level 1 certified
• Anti-money laundering (AML) compliant
• Know Your Customer (KYC) exemption for small transactions

Dispute Resolution

• Customer Service: First point of contact for all issues
• Escalation Process: Unresolved issues escalated to management
• Arbitration: Binding arbitration for legal disputes
• Class Action Waiver: Individual claims only

9. Liability and Warranties

Service Disclaimers

• Service Quality: Best effort basis with no guarantees
• Merchant Acceptance: Cannot guarantee all merchants will accept cards
• Third-Party Services: Not responsible for external service issues
• Limitation of Liability: Limited to amount of service fees paid

User Responsibilities

• Protect card details and account information
• Report suspicious activity immediately
• Comply with all applicable laws and regulations
• Use service only for legitimate purposes

10. Contact Information

Questions about these terms or need assistance?

• Phone Support: 1-800-555-0199 (available 24/7)
• Email Support: support@instabuysafe.com
• Legal Inquiries: legal@instabuysafe.com
• Response Time: Within 24 hours for all inquiries

Effective Date: December 1, 2024
Last Updated: December 15, 2024