ReloadCard

Terms of Service

Last updated: April 5, 2026

These Terms of Service ("Terms") govern your use of the ReloadCard platform, including our website, consumer application, merchant dashboard, and APIs (collectively, the "Service"). By accessing or using the Service, you agree to be bound by these Terms.

1. Definitions

  • "ReloadCard", "we", "us" — refers to the ReloadCard platform and its operators.
  • "Consumer" — any individual who uses the Service to purchase, hold, reload, transfer, or redeem gift cards.
  • "Merchant" — any business that uses the Service to issue, manage, or accept gift cards.
  • "Gift Card" — a stored-value instrument issued by a Merchant through the Service.
  • "Reload Network" — the network of Merchants who participate in cross-store discovery and transfers.

2. Eligibility

You must be at least 18 years of age to use the Service. By using the Service, you represent that you meet this requirement. Merchants must be legally authorized to conduct business in their jurisdiction.

3. Account Registration

You are responsible for maintaining the confidentiality of your account credentials. You agree to provide accurate, current, and complete information during registration and to update such information as needed. You are responsible for all activities that occur under your account.

4. The Service

4.1 For Consumers

ReloadCard provides a platform to purchase, hold, reload, and manage gift cards from participating Merchants. Gift cards are issued by the Merchant, not by ReloadCard. ReloadCard acts as a technology service provider facilitating these transactions.

4.2 For Merchants

ReloadCard provides tools to issue and manage gift cards, accept payments, and participate in the Reload Network. Merchants who join the Reload Network authorize ReloadCard to act as their agent for the purpose of collecting consumer payments on their behalf (the "Agent Agreement").

4.3 Cross-Store Transfers

Consumers may transfer gift card balances between participating Merchants on the Reload Network. Transfers are subject to Merchant opt-in, transaction limits, and verification requirements. When a transfer occurs, funds are settled between Merchant accounts via Stripe Connect. ReloadCard retains a platform fee on each transfer.

5. Payments and Fees

5.1 Consumer Payments

All consumer payments are processed by Stripe, Inc. ("Stripe"). By making a payment, you agree to Stripe's terms of service. ReloadCard does not store your payment card details.

5.2 Merchant Fees

ReloadCard charges a platform fee of 5% on each transaction (card activation, reload, transfer, or gift). This fee is deducted automatically via Stripe Connect. Stripe's processing fees are separate and apply in addition. There are no monthly subscription fees for the Reload Network.

5.3 Refunds

Gift card purchases are generally non-refundable unless required by applicable law. Merchants may issue store credit at their discretion. Consumers should contact the issuing Merchant directly for refund requests.

6. Gift Card Terms

  • Gift cards are issued by the Merchant, not by ReloadCard.
  • Gift card balances represent a liability of the issuing Merchant.
  • Expiration of gift card balances is subject to applicable state and federal law.
  • ReloadCard is not responsible for the goods or services provided by Merchants.
  • Lost or stolen gift cards should be reported immediately. ReloadCard is not liable for unauthorized use.

7. Prohibited Uses

You may not use the Service to:

  • Violate any applicable law or regulation
  • Engage in fraud, money laundering, or terrorist financing
  • Circumvent transaction limits or verification requirements
  • Create multiple accounts to evade restrictions
  • Reverse-engineer, decompile, or attempt to extract the source code of the Service
  • Use automated systems (bots, scrapers) to access the Service without authorization
  • Resell or commercially exploit the Service without written permission

8. Account Suspension and Termination

We may suspend or terminate your account at any time if we reasonably believe you have violated these Terms, engaged in suspicious activity, or pose a risk to other users or the platform. Merchants may have their Reload Network access revoked. Consumers may have their accounts frozen pending investigation.

9. Limitation of Liability

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED. TO THE MAXIMUM EXTENT PERMITTED BY LAW, RELOADCARD SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF THE SERVICE.

ReloadCard's total liability for any claim arising from these Terms shall not exceed the fees paid by you to ReloadCard in the twelve (12) months preceding the claim.

10. Indemnification

You agree to indemnify and hold harmless ReloadCard and its officers, directors, employees, and agents from any claims, damages, losses, or expenses (including reasonable attorneys' fees) arising from your use of the Service or violation of these Terms.

11. Dispute Resolution

Any dispute arising from these Terms shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association. You waive your right to participate in a class action lawsuit or class-wide arbitration.

12. Governing Law

These Terms are governed by the laws of the State of Delaware, United States, without regard to conflict of law principles.

13. Changes to Terms

We may update these Terms from time to time. We will notify you of material changes via email or through the Service. Continued use of the Service after changes constitutes acceptance of the updated Terms.

14. Contact

For questions about these Terms, contact us at legal@reloadcard.app.

Privacy Policy | Terms of Service | Merchant Documentation