Terms of Service

Last Updated: March 9, 2026

These Terms of Use (“Terms”) govern your access to and use of the platform available at https://m3sh.cards (the “Platform”), operated by M3-SH (“Provider”, “we”, “our”, or “us”).

The Platform provides technological tools that allow users to create and manage virtual payment cards and related payment functionality through an online interface.

By creating an account, accessing, or using the Platform or any services provided through it, you agree to be legally bound by these Terms.

If you do not agree with these Terms, you must not access or use the Platform.

These Terms constitute a legally binding agreement between you (“User”, “you”, or “your”) and the Provider.

YOUR RESPONSIBILITY AND ZERO TOLERANCE FOR ILLEGAL ACTIVITY

You are solely and fully responsible for how you use your account, your cards and the Platform, and for complying with all laws that apply to you and to each transaction. M3-SH does not support, facilitate or tolerate any illegal activity.

You must never use the Platform for: money laundering or concealing the origin of funds (including mixers and tumblers); terrorist financing or support for extremist groups; sanctions evasion or dealings with sanctioned persons or countries; violent crime, threats, extortion or ransom; human trafficking, forced labor or sexual exploitation; any abuse or exploitation of children; illegal drugs, weapons or explosives; fraud, scams, phishing, identity theft or the use of another person’s identity or account; hacking, malware, ransomware or stolen funds or data; darknet markets, illegal gambling or counterfeit goods; bribery, corruption or tax evasion; or any other unlawful purpose.

If we detect or reasonably suspect any such activity, we may refuse, freeze or reverse transactions, block cards, close the account, preserve all records and report to the competent authorities, without prior notice where the law allows. You are liable for any loss, fine or damage caused by your unlawful use, and you agree to indemnify and hold M3-SH harmless from it.

IDENTITY VERIFICATION, FEES AND SUPPORT

Identity verification is mandatory. No card is issued and no funds are moved until your identity has been verified by our specialized verification partner, using a valid government-issued ID and a selfie. We may ask for additional information, including source of funds, at any time.

The fees that apply are those shown on the website and in the app at the time of the transaction. Currently: card issuance USD 50 and funding 4%.

Support is provided through our official Telegram bot and by e-mail at contact@m3sh.cards. Before using the Telegram support you must tick the boxes accepting these Terms of Use and the Privacy Policy; the date of your acceptance is recorded. M3-SH staff will never ask for your card number, CVV, password or verification codes.

1. Acceptance of Terms

These Terms of Use (“Terms”) govern your access to and use of the platform operated by M3-SH (the “Platform”).

By creating an account, accessing, or using the Platform or any services provided through it, you confirm that you have read, understood, and agreed to be bound by these Terms.

If you do not agree with any provision of these Terms, you must not access or use the Platform.

By using the Platform, you also confirm that:

• you have the legal capacity to enter into binding agreements;
• you will comply with all applicable laws and regulations;
• you will use the Platform only for lawful purposes.

The Platform may update or modify these Terms from time to time. Continued use of the Platform after such updates constitutes acceptance of the revised Terms.

2. Description of the Platform

The Platform is a technology service operated by Provider that enables users to access and manage virtual payment card functionality through a digital interface.

The Platform provides tools and infrastructure that allow users to:

• create and manage virtual payment cards;
• view card balances and transaction history;
• manage card settings and usage limits;
• perform other card-related operations available through the Platform.

Virtual cards accessible through the Platform are issued and processed by licensed financial institutions or authorized payment partners.

The Provider does not act as a bank, financial institution, or card issuer and does not provide banking services.

The Provider supplies the technological infrastructure that allows users to interact with card issuing partners, payment networks, and payment processing systems.

Certain features of the Platform may rely on third-party service providers, including but not limited to:

• card issuing institutions;
• payment processors;
• payment networks;

The availability of specific services, cards, or features may vary depending on jurisdiction, technical integration, regulatory requirements, and the policies of third-party providers.

The Provider may update, modify, or discontinue certain Platform features from time to time in order to maintain security, compliance, or operational stability.

3. Eligibility and Account Registration

To use the Platform, you must meet the following eligibility requirements:

• you must be at least eighteen (18) years old or the legal age required to enter into binding agreements in your jurisdiction;
• you must have the legal capacity to enter into contracts;
• you must not be located in, organized under the laws of, or a resident of any jurisdiction subject to international sanctions;
• you must not be listed on any sanctions lists maintained by international authorities, including but not limited to the United Nations, the European Union, the United States Office of Foreign Assets Control (OFAC), or other applicable regulatory bodies.

To access certain features of the Platform, you may be required to create an account.

When registering an account, you agree to:

• provide accurate and complete information;
• maintain and promptly update your information if it changes;
• keep your login credentials confidential and secure;

You are responsible for maintaining the confidentiality of your account credentials and for restricting access to your account.

You must immediately notify the Provider if you become aware of any unauthorized access to your account or any other security breach.

The Provider reserves the right to refuse registration, suspend an account, or restrict access to the Platform if it reasonably suspects that:

• the information provided is inaccurate or misleading;
• the account is being used for unlawful or prohibited activities;
• the user may pose a compliance, security, or fraud risk.

4. Account Security and User Responsibilities

You are responsible for maintaining the security and confidentiality of your account credentials, including your login information, passwords, verification codes, or any other authentication methods used to access the Platform.

You agree not to:

• share your account credentials with any third party;
• allow any other person to access or use your account;
• use another person’s account without authorization.

All actions performed through your account are deemed to be performed by you.

You are solely responsible for any activities, transactions, or operations conducted through your account, whether authorized by you or resulting from your failure to safeguard your account credentials.

You must take all reasonable measures to protect your devices, credentials, and authentication methods from unauthorized access.

If you suspect or become aware of any unauthorized access, account compromise, or security breach, you must immediately notify the Provider and take appropriate steps to secure your account.

The Provider may temporarily suspend or restrict access to your account if it reasonably believes that your account security has been compromised or that unauthorized activity may have occurred.

The Provider shall not be liable for any loss or damage arising from your failure to comply with these security obligations.

5. Use of Virtual Cards

The Platform may enable users to create, access, and manage virtual payment cards.

Virtual cards available through the Platform are issued and processed by licensed financial institutions or authorized payment partners. The Provider does not issue payment cards and does not act as a bank or financial institution.

Users may use virtual cards for lawful payment transactions where such cards are accepted by the relevant payment networks.

The use of virtual cards may be subject to:

• transaction limits;
• balance limits;
• geographic restrictions;
• merchant category restrictions;

The Provider and its partners reserve the right to block, suspend, limit, or terminate the use of any virtual card if:

• required by applicable law or regulatory obligations;
• suspicious, fraudulent, or unauthorized activity is detected;
• compliance or security risks are identified;
• the user violates these Terms or other applicable policies.

The availability and functionality of virtual cards may depend on the policies, technical capabilities, and compliance requirements of third-party issuing partners and payment networks.

The Provider does not guarantee that virtual cards will be accepted by all merchants, payment systems, or online services.

Users are responsible for ensuring that their use of virtual cards complies with all applicable laws and payment network rules.

6. Fees and Payments

Certain features of the Platform, including the creation and use of virtual cards, may be subject to fees.

Applicable fees may include, but are not limited to:

• card issuance fees;
• transaction fees;
• card funding or top-up fees;
• network or processing fees;

The applicable fees, if any, will be displayed within the Platform interface or otherwise communicated to users before the relevant transaction or service is performed.

Current prices are shown on the home page and in the FAQ. The complete table that applies to your account, including transaction fees and limits, is always available in the client area under My details → Fees and limits.

By using the Platform and its services, you agree to pay all applicable fees associated with your use of the Platform.

Fees may be charged or deducted automatically from available balances, card funds, or other payment methods connected to the Platform.

The Provider reserves the right to modify, introduce, or remove fees from time to time. Any such changes may be reflected within the Platform or communicated through appropriate channels.

Users are responsible for any applicable taxes, duties, or charges imposed by governmental authorities in connection with their use of the Platform.

The Provider is not responsible for additional fees that may be charged by third parties, including but not limited to payment networks, card issuers, financial institutions, or intermediary service providers.

7. Prohibited Activities

Users must not use the Platform or any virtual cards obtained through the Platform for any unlawful, fraudulent, or prohibited activities.

Without limitation, users agree not to use the Platform for:

• money laundering, terrorist financing, or any activity that violates anti-money laundering (AML) or counter-terrorist financing regulations;
• transactions involving persons, entities, or jurisdictions subject to international sanctions;
• fraudulent, deceptive, or unauthorized transactions;
• the purchase, sale, or distribution of illegal goods or services;
• activities related to adult content, illegal gambling, or other restricted merchant categories where such activities are prohibited by payment networks or applicable law;
• attempting to bypass security measures or restrictions implemented by the Platform or its partners;
• interfering with the operation, security, or integrity of the Platform;
• using the Platform in a manner that may damage the reputation or operations of the Provider, its partners, or payment networks.

Users must not attempt to:

• gain unauthorized access to the Platform or other user accounts;
• exploit vulnerabilities in the Platform or related systems;
• reverse engineer, manipulate, or disrupt the functionality of the Platform.

The Provider reserves the right to investigate suspected violations of these Terms and to take appropriate action, including but not limited to:

• suspension or termination of user accounts;
• blocking or cancellation of virtual cards;

8. Compliance and AML Requirements

The Provider is committed to complying with applicable laws and regulations relating to anti-money laundering (AML), counter-terrorist financing (CTF), sanctions compliance, and financial crime prevention.

To maintain compliance with these obligations, the Provider and its partners apply transaction monitoring, sanctions screening, and risk assessment procedures to all transactions processed through the Platform.

8.1. Automatic Transaction Verification (Risk Score)

All incoming transactions are subject to automatic verification. Wallet addresses and transaction hashes are analyzed using a risk assessment system.

Risk Score Threshold

60% — if this threshold is exceeded, the transaction is temporarily suspended for further verification (KYC/SoF).

Zero-Tolerance Categories — FREEZE and VERIFICATION

If direct or indirect exposure to the categories listed below is detected, the transaction will be frozen, and the user will be required to undergo identity verification (KYC) and source of funds verification (SoF):

Child Exploitation / Child Abuse

Terrorist Financing

Darknet Marketplace

Darknet Service

Drug Dealer

Fraudulent Exchange

Illegal Service

Mixing Services or Obfuscation Tools (including coin mixers, tumblers, and any services or mechanisms designed to anonymize, obfuscate, or conceal the origin of funds, including indirect usage through intermediary platforms)

Stolen Funds

Enforcement Action

Categories Subject to Freezing and Verification (Threshold above 5%)

If a high-risk source contributes more than 5% of the total transaction amount, the transaction will be frozen, and the user will be required to undergo KYC and SoF verification:

P2P Exchange (High Risk)

Exchange (High Risk)

8.2. Verification Procedure (KYC/SoF)

If a transaction is blocked, the user will be notified within 24 hours and requested to provide the following documents:

• proof of identity (passport or ID card);
• selfie with the identity document;
• proof of source of funds (e.g. exchange statement, mining confirmation, purchase agreement, or other supporting document);

Users must provide the requested information within a reasonable timeframe and fully cooperate with compliance procedures.

Stages and Timeline of the Review

User notification and request for documents — within 24 hours from the moment of blocking

Decision-making (approval / rejection / escalation) — up to 90 business days after receiving the complete set of documents

8.3. Signs of Suspicious Activity

In addition to automated risk assessment, the Provider reserves the right to block a transaction and initiate a manual review if signs of suspicious activity are detected.

The Provider may request additional information or documentation in any case where transaction parameters or user behavior raise reasonable concerns, even if the risk score does not exceed the established threshold.

8.4. Actions and Restrictions

Users agree that the Provider may, at its sole discretion:

• delay, suspend, or reject any transaction;
• request additional information or documentation for compliance purposes;
• restrict or suspend access to the Platform or specific services;
• block transactions or associated instruments (including virtual cards);

Failure to provide requested information or cooperation may result in:

• suspension or restriction of the user account;
• blocking of transactions or services;
• termination of access to the Platform.

8.5. Refund Procedure

Return method: to the original sender’s address or payment details.

Possible deductions:

• network fees (including blockchain / gas fees);
• processing fees in accordance with the Provider’s rates.

8.6. Regulatory Reporting

The Provider may be required to report certain transactions or activities to competent regulatory authorities or law enforcement agencies in accordance with applicable laws and regulations.

8.7. User Acknowledgment

By using the Platform, the user acknowledges and agrees that:

• all transactions are subject to monitoring and risk assessment;
• transactions may be delayed, restricted, or rejected;
• additional verification (KYC/SoF) may be required;

9. Risk Disclosure

By using the Platform and any services available through it, users acknowledge that certain risks may arise from the use of digital platforms, payment systems, and third-party financial services.

Such risks may include, but are not limited to:

• temporary interruptions or unavailability of the Platform due to technical maintenance, software issues, or infrastructure failures;
• delays, declines, or failures of transactions caused by payment networks, card issuers, financial institutions, or other third-party service providers;
• unauthorized access to accounts resulting from compromised credentials or user devices;
• cyberattacks, malware, system intrusions, or other security incidents affecting online services;

The Provider makes reasonable efforts to maintain the reliability, security, and availability of the Platform. However, the Provider does not guarantee uninterrupted or error-free operation of the Platform.

Users acknowledge that the functionality and availability of certain services, including virtual cards, may depend on third-party providers such as card issuing institutions, payment networks, and financial service partners.

The Provider shall not be responsible for disruptions, restrictions, or changes imposed by such third parties.

Users assume full responsibility for evaluating the suitability of the Platform for their needs and for any risks associated with its use.

10. Suspension and Termination

The Provider reserves the right to suspend, restrict, or terminate a user’s access to the Platform or any of its services at its discretion if it reasonably believes that:

• the user has violated these Terms;
• the user has engaged in unlawful, fraudulent, or prohibited activities;
• the user poses a compliance, security, or fraud risk;
• the user has provided false, inaccurate, or misleading information;
• suspension is required to comply with applicable laws, regulations, or requests from regulatory authorities.

In such cases, the Provider may take actions including but not limited to:

• suspending or terminating the user account;
• blocking or canceling virtual cards;
• restricting access to certain Platform features;

The Provider may also suspend access to the Platform temporarily for reasons including but not limited to:

• security concerns;
• technical maintenance;
• system upgrades;

Users may stop using the Platform at any time by ceasing to access their account and discontinuing use of the services.

Termination or suspension of access does not relieve the user of any obligations incurred prior to such suspension or termination, including payment of any applicable fees.

11. Limitation of Liability

To the maximum extent permitted by applicable law, the Provider shall not be liable for any direct or indirect losses, damages, or expenses arising from the use of, or inability to use, the Platform or any services provided through it.

This limitation of liability includes, but is not limited to, losses resulting from:

• interruptions, delays, or failures of the Platform;
• technical malfunctions, software errors, or system outages;
• actions or failures of third-party service providers, including card issuers, payment networks, or financial institutions;
• unauthorized access to user accounts resulting from compromised credentials or user devices;
• delays, declines, or failures of payment transactions;
• regulatory actions, legal changes, or compliance restrictions affecting the availability of services.

The Provider makes reasonable efforts to ensure the security and reliability of the Platform, but the Platform and its services are provided on an “as is” and “as available” basis, without warranties of any kind, whether express or implied.

To the extent permitted by law, the Provider disclaims all warranties, including but not limited to warranties of:

• fitness for a particular purpose;
• uninterrupted or error-free operation of the Platform.

In no event shall the Provider be liable for any indirect, incidental, consequential, or special damages, including loss of profits, loss of data, or business interruption.

Users acknowledge that certain services provided through the Platform depend on third-party providers and external systems over which the Provider has no control.

12. Intellectual Property

All intellectual property rights in and to the Platform, including but not limited to software, source code, design, interfaces, graphics, databases, documentation, trademarks, logos, and other content made available through the Platform, are owned by or licensed to the Provider.

Nothing in these Terms shall be construed as granting users any ownership rights in the Platform or its components.

Subject to compliance with these Terms, the Provider grants users a limited, non-exclusive, non-transferable, and revocable right to access and use the Platform solely for its intended purposes.

Users must not:

• copy, reproduce, distribute, or publicly display any part of the Platform;
• modify, adapt, or create derivative works based on the Platform;
• reverse engineer, decompile, or attempt to extract the source code of the Platform;
• use the Platform or its content in any manner that infringes the intellectual property rights of the Provider or third parties.

All trademarks, service marks, logos, and trade names appearing on the Platform are the property of the Provider or their respective owners and may not be used without prior written permission.

Unauthorized use of the Platform or its intellectual property may result in suspension of access to the Platform and may give rise to legal action.

13. Third-Party Services

Certain services available through the Platform rely on third-party providers.

Such third-party providers may include, but are not limited to:

• card issuing institutions;
• payment networks;
• payment processors;
• compliance and verification service providers;

These third-party providers operate independently and may have their own terms, policies, and operational requirements.

The Provider does not control and is not responsible for the services, actions, or policies of such third-party providers.

Users acknowledge that certain features of the Platform, including the issuance and processing of virtual cards, depend on the systems and services of these third parties.

The Provider shall not be liable for any delays, errors, interruptions, or restrictions caused by third-party providers.

Users may be required to comply with the terms, rules, or policies of such third-party providers when using the Platform.

14. Data Protection and Privacy

The Provider may collect, process, and store certain personal data in connection with the operation of the Platform and the provision of its services.

Such data may include information provided by users during account registration, information related to transactions or use of the Platform, and certain technical data necessary for security, compliance, and operational purposes.

The Provider processes personal data in accordance with applicable data protection laws and regulations.

Detailed information regarding the collection, use, storage, and protection of personal data is provided in the Privacy Policy, which forms an integral part of these Terms.

By using the Platform, users acknowledge that they have read and understood the Privacy Policy and consent to the processing of their personal data as described therein.

Users are responsible for ensuring that any information they provide to the Platform is accurate and lawful to disclose.

15. Changes to Terms

The Provider reserves the right to modify or update these Terms from time to time.

Any updated version of the Terms will be published on the Platform and will become effective upon publication unless otherwise specified.

Users are encouraged to review these Terms periodically to stay informed of any changes.

Continued use of the Platform after updated Terms have been published constitutes acceptance of the revised Terms.

If a user does not agree with any updated Terms, the user must stop using the Platform.

16. Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of Hong Kong.

Unless otherwise specified, any dispute, controversy, difference or claim arising out of or relating to these Terms, including the existence, validity, interpretation, performance, breach or termination thereof or any dispute regarding non-contractual obligations arising out of or relating to these Terms, will be referred to and finally resolved by arbitration administered by Hong Kong International Arbitration Centre (“HKIAC”) under the HKIAC Administered Arbitration Rules in force when the notice of arbitration is submitted.

Unless agreed otherwise, the number of arbitrators will be one (1) and that arbitrator must have relevant legal and technological expertise.

If you and we do not agree on the arbitrator to be appointed within fifteen (15) working days of the dispute proceeding to arbitration, the arbitrator is to be appointed by HKIAC.

The arbitration proceedings will be conducted in English.

Notwithstanding any other provision of these Terms, you agree that we have the right to apply for injunctive remedies (or an equivalent type of urgent legal relief) in any jurisdiction.

In the event of any dispute arising between you and Provider concerning these Terms both parties agree to seek resolution through good faith negotiations.

If a resolution cannot be reached within a reasonable timeframe, the dispute shall be escalated for mediation or arbitration in accordance with the governing law provisions set forth in these Terms.

Any claims or disagreements regarding transactions must be reported to Provider within a specified period as determined by applicable service rules or regulations. Failure to raise a dispute within the given timeframe may result in forfeiture of claims.

Provider reserves the right to investigate any disputes thoroughly and may require additional documentation from User to support their claim. Until the dispute is resolved, Provider may, at its discretion, suspend or withhold any disputed amount. Users acknowledge that certain disputes, particularly those involving the third-party providers, may be subject to separate dispute resolution processes imposed by them.

17. Service Disclaimer

The Platform provides technological tools that enable access to certain payment and card-related functionality.

The Provider is not a bank, financial institution, payment service provider, or card issuer, and does not provide banking, investment, or financial advisory services.

Virtual cards and related payment functionality available through the Platform may be issued or operated by third-party licensed financial institutions or payment partners.

The Provider does not control and is not responsible for the services, policies, or operations of such third-party providers.

Nothing on the Platform should be interpreted as financial advice, investment advice, or a recommendation to engage in any financial transaction.

Users are solely responsible for evaluating the suitability of the Platform and any services available through it.

18. Electronic Communications and Notices

By creating an account or using the Platform, you agree to receive communications from the Provider electronically.

Such communications may include, but are not limited to:

• service notifications;
• security alerts;
• compliance or verification requests;
• updates to these Terms or other policies;
• operational announcements related to the Platform.

Communications may be delivered through:

• notifications within the Platform interface;
• other electronic communication channels used by the Platform.

You agree that electronic communications satisfy any legal requirement that such communications be provided in writing.

Users are responsible for maintaining a valid and accessible email address associated with their account.

The Provider shall not be responsible for any consequences resulting from a user’s failure to receive communications due to outdated contact information or technical issues on the user’s side.

The Provider may contact users for compliance or security purposes.