Oobit Business Card And Services Terms And Conditions

Effective Date: 22.03.2026
Entity: Oobit Technologies Ltda., Avenida Paulista, 91, 01311-000, São Paulo, Brazil ("Oobit", "Company", "we", "us", or "our")

These Oobit Business Card and Services Terms and Conditions (these "Terms") constitute a legally binding agreement between Oobit and the legal entity that applies for, accesses, or uses the Services ("Customer", "you", or "your").

If you register for, access, or use the Services, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you accept these Terms on behalf of an entity, you represent and warrant that you have authority to bind that entity.

1. Agreement Scope

These Terms govern your access to and use of Oobit’s business products and services, including, where made available by Oobit or its partners:

1. business accounts;
2. virtual and physical corporate payment cards;
3. payment, treasury, and transfer functionality;
4. stablecoin-funded balances or treasury features;
5. spend management, controls, reporting, and related tools; and
6. any other products or services designated by Oobit for business customers (collectively, the "Services").

Certain parts of the Services may be provided or supported by third-party issuers, payment institutions, banking partners, card networks, custodians, liquidity providers, or other service providers ("Third-Party Providers"). Your use of certain Services may also be subject to additional terms imposed by such Third-Party Providers, and you agree to comply with them where applicable.

2. Definitions

For purposes of these Terms:

"Account" means the Customer’s Oobit business account.

"Authorized User" means any employee, contractor, officer, director, or other representative authorized by the Customer to access or use the Services on its behalf.

"Corporate Card" or "Card" means any virtual or physical payment card issued or made available to the Customer or its Authorized Users through the Services.

"Issuer" means the third-party financial institution or licensed issuer responsible for issuing a Card or supporting regulated payment functionality, if applicable.

"Payment Rails" means third-party payment systems and networks, including card networks, SEPA, ACH, PIX, SWIFT, and similar systems.

"Services" has the meaning set out in Section 1.

"Stablecoin Treasury" means digital asset or stablecoin balances held, allocated, or recorded for or on behalf of the Customer through the Services or related arrangements.

"Supported Assets" means any digital assets, including stablecoins, supported by Oobit from time to time.

"Supported Networks" means any blockchain or other network supported by Oobit from time to time.

3. Eligibility and Onboarding

To use the Services, you must:

1. be a duly organized and validly existing legal entity in good standing under the laws of your jurisdiction of formation;
2. use the Services solely for lawful business purposes;
3. successfully complete any onboarding, know-your-business, know-your-customer, sanctions, anti-money laundering, or other compliance checks requested by Oobit or any Third-Party Provider;
4. provide complete, accurate, and up-to-date information and documentation; and
5. promptly notify Oobit of any material change to your ownership, control, business activities, tax status, address, or other relevant information.

Oobit may approve, reject, limit, condition, or terminate any application or access request in its sole discretion, subject to applicable law.

4. Business Use Only

The Services are made available solely for commercial and business purposes. The Customer shall not use the Services for personal, family, or household purposes, and shall ensure that Authorized Users do not do so.

Customer is solely responsible for ensuring that all Cards, payment tools, and Service access are used only for legitimate business purposes and in accordance with these Terms.

5. Account Responsibility and Authorized Users

The Customer is responsible for:

1. all acts and omissions of its Authorized Users;
2. all activity occurring through its Account;
3. establishing, maintaining, and enforcing appropriate internal controls over access to the Services and use of Cards;
4. ensuring that Authorized Users comply with these Terms and any applicable policies; and
5. safeguarding all credentials, devices, Cards, security procedures, and authentication methods.

The Customer remains fully liable for all transactions, instructions, transfers, Charges, and other activity initiated through the Account or by any Authorized User, whether or not specifically authorized for each individual transaction, except to the extent caused directly by Oobit’s gross negligence, willful misconduct, or fraud.

6. Services Description

Oobit may enable the Customer to:

1. issue and manage Corporate Cards;
2. fund balances through approved methods, including Supported Assets where available;
3. initiate business payments, settlements, treasury movements, or transfers;
4. monitor spending, limits, users, and transaction data; and
5. access related reporting, support, and administrative features.

All Services are subject to availability, operational limitations, regulatory requirements, Third-Party Provider capabilities, geography, and eligibility criteria. Oobit may add, remove, suspend, or modify any Service feature at any time.

Oobit does not guarantee that the Services will be uninterrupted, error-free, continuously available, or available in all jurisdictions.

7. Stablecoin Treasury and Digital Asset Features

Where Oobit permits funding or treasury activity using Supported Assets:

1. the Customer acknowledges that digital assets and stablecoins involve market, legal, regulatory, counterparty, custody, technological, cybersecurity, and protocol risks;
2. Oobit does not guarantee the value, liquidity, convertibility, or continued support of any Supported Asset;
3. transactions submitted on a blockchain or other digital asset network may be irreversible once broadcast or confirmed;
4. settlement timing may vary and may be delayed due to network congestion, compliance review, outages, or Third-Party Provider issues; and
5. Oobit may refuse, suspend, reverse where possible, or delay any Supported Asset transaction where required for risk, legal, compliance, or operational reasons.

The Customer is solely responsible for ensuring that wallet addresses, network selections, beneficiary information, and transaction details are accurate. Oobit is not liable for losses arising from erroneous or incompatible transfer instructions provided by the Customer.

8. Corporate Cards

8.1 Issuance and Use

Cards are issued or made available subject to approval by Oobit and, where applicable, the Issuer and other Third-Party Providers. Cards may operate through third-party card networks, including Visa or Mastercard.

Cards may only be used:

1. by the Customer and its Authorized Users;
2. for lawful business purposes;
3. in accordance with these Terms, applicable law, and any Issuer or network rules; and
4. within any limits, controls, or restrictions imposed by Oobit, the Issuer, or applicable law.

8.2 Restrictions

The Customer shall not, and shall ensure that its Authorized Users do not:

1. use any Card for personal, family, or household expenses;
2. resell, assign, sublicense, transfer, or otherwise provide a Card to any unauthorized third party;
3. use a Card for unlawful, fraudulent, deceptive, abusive, or prohibited activity;
4. use a Card in any sanctioned jurisdiction or with or for the benefit of any sanctioned person;
5. circumvent transaction monitoring, controls, limits, or compliance measures; or
6. use a Card for any consumer-facing or resale program without Oobit’s prior written approval.

8.3 Card Controls and Limits

Oobit and/or the Issuer may establish spending limits, merchant controls, geographic restrictions, MCC restrictions, velocity limits, balance thresholds, or other controls on Cards or Accounts at any time, with or without prior notice where permitted by law.

Authorization holds, estimated transactions, card verifications, or delayed-settlement transactions may temporarily reduce available limits or balances.

8.4 Lost, Stolen, or Compromised Cards

The Customer must notify Oobit immediately if any Card, credential, device, or access method is lost, stolen, compromised, misused, or suspected of unauthorized use.

Oobit may suspend, replace, cancel, or reissue a Card at any time. The Customer remains responsible for transactions occurring before effective notice and blocking, except as otherwise required by applicable law or caused by Oobit’s fault.

9. Payments, Transfers, and Transaction Instructions

The Customer may initiate payments, transfers, and other transaction instructions through the Services, subject to limits and availability.

The Customer is solely responsible for the completeness and accuracy of all payment details, including payee, beneficiary, routing, account, wallet, network, and amount information. Oobit may rely on the information submitted and is not responsible for losses resulting from incorrect instructions.

Oobit may delay, refuse, suspend, or cancel any transaction where reasonably necessary for compliance, fraud prevention, sanctions screening, operational security, dispute handling, legal process, or risk management.

Oobit does not guarantee settlement times, foreign exchange rates, execution times, or acceptance by merchants, acquiring institutions, banks, payment systems, or blockchain networks.

10. Fees and Charges

The Customer agrees to pay all fees, charges, spreads, penalties, and other amounts applicable to the Services, as disclosed by Oobit, the Issuer, or through the Account, fee schedule, website, product interface, order form, or other incorporated materials.

Applicable fees may include, without limitation:

1. transaction fees;
2. card issuance or replacement fees;
3. foreign exchange fees;
4. cross-border fees;
5. service or subscription fees;
6. transfer or withdrawal fees;
7. returned payment fees;
8. dispute or chargeback-related fees;
9. liquidation or asset conversion fees, where applicable; and
10. any taxes, duties, or levies imposed by law.

Oobit may update fees from time to time upon notice, including by posting updated fees through the Services or website. Continued use of the Services after the effective date of a fee change constitutes acceptance of the updated fees.

Unless expressly stated otherwise, all fees are non-refundable.

11. Funding, Repayment, and Set-Off

The Customer shall maintain sufficient balances, collateral, reserves, or repayment capacity to satisfy all obligations arising from its use of the Services.

If credit, delayed settlement, prefunding, or post-settlement obligations apply to any Service, the Customer agrees to pay all amounts due when required.

Oobit may, to the extent permitted by law and contract:

1. debit or deduct amounts owed from balances or funds held for the Customer;
2. set off liabilities against any amounts otherwise payable to the Customer; and
3. require reserves, collateral, rolling reserves, prefunding, or other security measures.

Late or failed payment may result in suspension, collections activity, additional fees, or termination of the Services.

12. Chargebacks, Disputes, and Transaction Errors

The Customer is responsible for reviewing transaction history, statements, and reports promptly.

If the Customer disputes a transaction, it must notify Oobit within the period specified by Oobit, the Issuer, applicable card-network rules, or applicable law. Oobit may require supporting information and documentation.

Disputes and chargebacks are subject to applicable card-network rules, Issuer requirements, and procedural deadlines. Oobit does not guarantee any outcome in favor of the Customer.

Pending disputes do not relieve the Customer of its obligation to pay amounts due unless and until a credit is actually granted.

13. Compliance, Monitoring, and Investigations

Oobit may monitor use of the Services and may request information, records, supporting documents, transaction explanations, source-of-funds information, or other materials at any time.

The Customer shall promptly cooperate with any compliance, fraud, regulatory, audit, or operational inquiry.

Oobit may block, hold, suspend, reverse where possible, report, or refuse activity where required or deemed advisable under applicable law, sanctions rules, anti-money laundering requirements, fraud prevention obligations, court order, subpoena, network rules, or internal risk policies.

14. Prohibited Use

The Customer shall not use, and shall ensure that Authorized Users do not use, the Services:

1. for any unlawful purpose;
2. for any fraudulent, deceptive, abusive, or unauthorized purpose;
3. in connection with sanctioned countries, territories, entities, organizations, or individuals;
4. in violation of anti-money laundering, anti-bribery, export control, sanctions, tax, financial services, data protection, or other applicable laws;
5. in connection with prohibited industries, goods, or activities identified by Oobit from time to time;
6. to facilitate money laundering, terrorist financing, tax evasion, market abuse, or other financial crime;
7. in a manner that could damage, disable, overburden, or impair the Services; or
8. in a way that exposes Oobit, the Issuer, or any Third-Party Provider to legal, regulatory, reputational, or operational risk.

15. Sanctions and Restricted Jurisdictions

The Customer represents and warrants on an ongoing basis that neither it, nor any of its beneficial owners, directors, officers, employees using the Services, nor any Authorized User is:

1. the subject or target of sanctions administered or enforced by any relevant sanctions authority; or
2. located, organized, or ordinarily resident in a jurisdiction subject to comprehensive sanctions, to the extent prohibited by applicable law.

The Customer shall not use the Services directly or indirectly in violation of sanctions laws. Oobit may suspend or terminate access immediately where sanctions risk arises.

16. Third-Party Providers

The Services may depend on Third-Party Providers, including card issuers, banking partners, custodians, payment processors, liquidity providers, or network operators.

Oobit is not responsible for delays, outages, errors, refusals, interruptions, insolvency events, or performance failures caused by Third-Party Providers, except to the extent required by law and not disclaimable.

Where Third-Party Provider terms apply, the Customer agrees to comply with them.

17. Data, Privacy, and Information Sharing

Oobit processes personal data and business information in accordance with its Privacy Policy and applicable law.

The Customer authorizes Oobit to collect, use, store, transfer, and disclose information relating to the Customer, its Authorized Users, and its transactions as reasonably necessary to:

1. provide the Services;
2. verify identity and business information;
3. perform compliance, sanctions, and fraud screening;
4. support card issuance and payment processing;
5. share data with Issuers, networks, banking partners, processors, and other Third-Party Providers; and
6. protect Oobit’s legal and operational interests.

The Customer represents that it has obtained all notices, consents, and permissions required to provide personal data of Authorized Users and other representatives to Oobit.

18. Intellectual Property

All rights, title, and interest in and to the Services, platform, software, interfaces, documentation, trademarks, and related materials are owned by Oobit or its licensors.

Except for the limited right to use the Services in accordance with these Terms, no license or rights are granted to the Customer.

19. Suspension and Termination

Oobit may suspend, restrict, or terminate the Customer’s access to any or all Services immediately, with or without notice where permitted by law, if:

1. the Customer breaches these Terms;
2. Oobit reasonably suspects fraud, misuse, unauthorized activity, or prohibited conduct;
3. the Customer fails onboarding, compliance, or ongoing review requirements;
4. continued service would expose Oobit or a Third-Party Provider to legal, regulatory, or reputational risk; or
5. a Third-Party Provider, Issuer, or applicable authority requires suspension or termination.

The Customer may stop using the Services at any time, but termination does not affect liabilities accrued before termination.

Upon termination, Oobit may cancel Cards, block transactions, retain reserves, deduct outstanding obligations, and require the Customer to pay all sums due.

20. Disclaimers

Except as expressly set out in these Terms, the Services are provided on an "as is" and "as available" basis.

To the maximum extent permitted by law, Oobit disclaims all implied warranties, including warranties of merchantability, fitness for a particular purpose, title, non-infringement, and uninterrupted availability.

Oobit does not warrant that the Services will meet the Customer’s requirements or that any transaction will be executed, completed, accepted, or settled without delay or error.

21. Limitation of Liability

To the maximum extent permitted by law:

1. Oobit shall not be liable for any indirect, incidental, special, punitive, exemplary, or consequential damages, including loss of profits, revenue, goodwill, business opportunity, anticipated savings, data, or use;
2. Oobit shall not be liable for losses caused by merchants, card networks, banking partners, blockchain networks, custodians, payment rails, or other Third-Party Providers;
3. Oobit shall not be liable for losses arising from Customer error, including incorrect payment instructions, wallet addresses, network selections, or unauthorized use caused by Customer negligence; and
4. Oobit’s aggregate liability arising out of or relating to these Terms or the Services shall not exceed the total fees actually paid by the Customer to Oobit for the affected Services during the twelve (12) months immediately preceding the event giving rise to the claim.

Nothing in these Terms excludes or limits liability that cannot lawfully be excluded or limited.

22. Indemnification

The Customer shall defend, indemnify, and hold harmless Oobit, its affiliates, and their respective officers, directors, employees, contractors, agents, and representatives from and against any third-party claims, actions, losses, liabilities, damages, judgments, penalties, fines, costs, and expenses, including reasonable legal fees, arising out of or relating to:

1. the Customer’s or any Authorized User’s use of the Services;
2. any breach of these Terms;
3. any violation of applicable law or third-party rights;
4. any transaction, dispute, chargeback, payment reversal, or merchant claim involving the Customer; or
5. fraud, negligence, willful misconduct, or unauthorized activity by the Customer or its Authorized Users.

23. Communications

The Customer consents to receive communications from Oobit electronically, including by email, platform notification, dashboard message, SMS, telephone, or other contact method provided by the Customer, where permitted by law.

Such communications may include onboarding requests, service notices, security alerts, transaction notifications, legal disclosures, operational updates, and other information relating to the Services.

The Customer is responsible for keeping contact details accurate and current.

24. Amendments

Oobit may amend these Terms from time to time. Unless a different notice period is required by law or contract, Oobit may provide notice by posting updated Terms on its website or platform, or by sending notice through the Services or by email.

The amended Terms become effective on the stated effective date. Continued use of the Services after that date constitutes acceptance of the amended Terms.

25. Governing Law

These Terms shall be governed by and construed in accordance with the laws of Brazil, without regard to conflict of law principles.

26. Dispute Resolution

Any dispute, controversy, or claim arising out of or relating to these Terms or the Services shall first be addressed through good-faith negotiations between the parties.

If the dispute is not resolved within thirty (30) days after written notice, either party may bring the dispute before the competent courts of São Paulo, Brazil, unless applicable law requires otherwise.

Each party irrevocably submits to the exclusive jurisdiction of such courts, except where injunctive or equitable relief may properly be sought in another competent jurisdiction.

27. Miscellaneous

27.1 Entire Agreement

These Terms, together with any fee schedule, product-specific terms, incorporated policies, and applicable order forms, constitute the entire agreement between the parties regarding the Services.

27.2 Severability

If any provision of these Terms is held invalid or unenforceable, the remaining provisions remain in full force and effect.

27.3 No Waiver

Any failure or delay by Oobit in exercising any right or remedy shall not constitute a waiver.

27.4 Assignment

The Customer may not assign or transfer these Terms or any rights or obligations under them without Oobit’s prior written consent. Oobit may assign or transfer these Terms to an affiliate or in connection with a merger, acquisition, reorganization, or sale of assets.

27.5 Force Majeure

Oobit shall not be liable for any delay or failure arising from causes beyond its reasonable control, including acts of God, war, terrorism, labor disputes, cyberattacks, outages, banking disruptions, card-network failures, blockchain congestion, governmental action, or interruption of utilities or communications.

27.6 Language

These Terms may be provided in multiple languages. In the event of inconsistency, the English version shall control unless applicable law requires otherwise.

28. Contact

For support or legal notices, contact:

Oobit Technologies Ltda.
Avenida Paulista, 91, 01311-000, São Paulo, Brazil
Email: support@oobit.com

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