Terms and Conditions

Effective Date: May 19, 2026 · Version 2.0

Operator: Cause Vision s.r.o. (Prague, Czech Republic, ID: 17539013).

Please read these Terms carefully. They form a binding legal agreement between you and Cause Vision. They cover important topics including the risks of using cryptocurrency, our obligations under AML and sanctions laws, dispute resolution, limitation of liability, and prohibited activities. Digital assets are highly volatile and you may lose the entire value of your holdings. See our Risk Disclosure for a full explanation.

1. Definitions

Account: Your Cause Wallet user account, accessed via the email address you registered with.
Cause / we / us / our: Cause Vision s.r.o. and its affiliates operating the Services.
You / Customer / User: The individual person who has registered and uses the Services.
Services: The Cause Wallet web application, mobile applications, CauseCard programme, and all related features.
Digital Asset: A cryptocurrency or token supported by the Services (e.g. BTC, ETH, USDT, USDC, CAUSE).
Fiat: Government-issued currency (e.g. USD, EUR, KES, ZAR, AED).
Card / CauseCard: The Visa-branded prepaid debit card issued through our partner Rain Cards.
KYC: Know Your Customer identity verification carried out via our partner Sumsub.
AML: Anti-Money Laundering laws, regulations, and our compliance programme.
Sanctions: Restrictions imposed by OFAC, the EU, the UK (HMT/OFSI), the UN, or other applicable authorities.
Restricted Jurisdiction: Any country or region from which use of the Services is prohibited (see Section 4).
Wallet Address: The on-chain destination identifier for a Digital Asset transfer.

2. Acceptance, Eligibility, and Account

2.1 — Acceptance

By accessing or using the Services you agree to be bound by these Terms, our Privacy Policy, our Risk Disclosure, and any product-specific terms presented in-app (including the CauseCard cardholder agreement issued by Rain Cards). If you do not agree to any of these documents, you must not use the Services.

2.2 — Eligibility

You represent and warrant that:

You are at least 18 years of age and have full legal capacity to enter into binding agreements.
You are not a resident of, or accessing the Services from, a Restricted Jurisdiction.
You are not subject to any Sanctions list maintained by OFAC, the EU, the UK, the UN, or other applicable authority, nor 50%-or-more owned or controlled by any such person.
The information you provide during registration and verification is accurate, current, and complete.
You will use the Services only for lawful personal purposes (commercial, business-account, or institutional use requires a separate agreement).

2.3 — Account security

You are responsible for safeguarding your credentials (email, password, authenticator seed, backup codes, biometric factors, recovery codes, and any device used to access the Services). You must enable two-factor authentication and you must not share your credentials with any person. Cause is not liable for losses arising from unauthorised access that resulted from your failure to maintain credential security.

2.4 — Accurate information

You must update Cause promptly if any KYC information you provided changes (legal name, address, nationality, source-of-funds disclosures, beneficial ownership). Failure to maintain accurate records may result in restricted access or account closure.

3. Services and Custody Model

3.1 — Custody

The Cause Wallet operates a custodial model for balances held on the platform. We hold Digital Assets and Fiat balances on your behalf with segregated client-asset arrangements where required by applicable law. You retain beneficial ownership; we hold legal title for operational purposes only.

3.2 — Services provided

The Services include (a) buying, selling, sending, receiving, and storing supported Digital Assets; (b) on-ramp and off-ramp to Fiat via licensed third-party payment providers (currently Alchemy Pay); (c) the CauseCard programme issued by Rain Cards; (d) referral and rewards features; (e) related ancillary services we may add or remove at our discretion.

3.3 — Third-party providers

Certain features rely on third-party providers, each governed by their own terms:

Sumsub — identity verification and ongoing AML screening.
Rain Cards — issuer of the CauseCard. The cardholder agreement is between you and Rain; Cause is the programme manager.
Alchemy Pay — fiat on-ramp and off-ramp processor.
Cloudflare — anti-bot protection (Turnstile) and CDN.
Public blockchains — Ethereum, BNB Smart Chain, Polygon, and others as enabled.

We make commercially reasonable efforts to select reputable providers but are not liable for their independent acts or omissions.

3.4 — Service availability

The Services are provided on a best-effort basis. We do not guarantee uninterrupted availability and may temporarily suspend access for maintenance, security incidents, regulatory request, or to protect the integrity of the Services. Where reasonably practicable we will give advance notice.

3.5 — Modification of Services

We may add, remove, or modify Services, supported Digital Assets, supported networks, fees, and limits at our discretion. Material changes will be notified in advance via in-app message or email where practicable.

4. Restricted Jurisdictions and Geographic Limits

4.1 — Prohibited jurisdictions

The Services are not available to residents of, or persons accessing from, the following jurisdictions (the list may change with regulatory developments):

Countries subject to comprehensive US, EU, UK, or UN sanctions, including but not limited to Belarus, Cuba, Crimea, Donetsk and Luhansk regions of Ukraine, Iran, Myanmar, North Korea, Russia, Sudan, Syria, and Venezuela.
Any jurisdiction where the provision of the Services would violate applicable law.

4.2 — Feature-level restrictions

Some features (notably CauseCard issuance and certain on/off-ramp payment methods) are further restricted by our partners' programme rules and may be unavailable in additional countries even where the rest of the Service is permitted. The list shown in-app at the time of application is authoritative.

4.3 — No circumvention

You must not use VPNs, proxies, or any technical means to misrepresent your geographic location or to access the Services from a Restricted Jurisdiction. Doing so is a material breach and may result in immediate termination, forfeiture under applicable law, and reporting to authorities.

5. Identity Verification (KYC) and AML

5.1 — Verification required

To access most Services (including any transaction over de-minimis thresholds, the CauseCard, and on/off-ramps) you must complete identity verification carried out via our partner Sumsub. This typically requires a government-issued photo identity document, a live selfie, and proof of address.

5.2 — Enhanced Due Diligence

We may at our discretion or as required by law request additional information including source of funds, source of wealth, occupation, expected transaction volumes, and beneficial ownership of any third-party participating in your transactions. Failure to provide requested information within a reasonable period may result in suspension or closure of your Account.

5.3 — Ongoing monitoring

We perform ongoing transaction monitoring and screening against Sanctions and politically-exposed-person (PEP) lists. We may delay, decline, or report transactions where we identify risk indicators consistent with money laundering, terrorist financing, fraud, market abuse, or Sanctions evasion.

5.4 — Travel Rule

For transfers above applicable thresholds, we comply with the FATF "Travel Rule" (or equivalent local implementation) by collecting and transmitting required originator and beneficiary information to the receiving institution. By using the Services for such transfers you authorise this information sharing.

5.5 — Holds, freezes, and reports

Where required by law or in furtherance of our AML programme we may (a) place a hold on funds; (b) refuse or reverse a transaction (to the extent technically possible); (c) freeze the Account; (d) terminate the Account; and (e) file Suspicious Activity Reports (or local equivalent) with competent authorities without notice to you. We are prohibited by law from disclosing the existence of certain reports.

6. Fees, Limits, and Taxes

6.1 — Fees

Fees applicable to the Services are disclosed in-app at the time of the transaction and on the dedicated fee schedule page. Fees may include but are not limited to: trading spreads, network fees, on/off-ramp processing fees, card issuance and maintenance fees, FX conversion fees, and ATM withdrawal fees. We reserve the right to change fees with reasonable notice.

6.2 — Limits

Account-level transaction and balance limits apply based on your verification tier, jurisdiction, and risk profile. Limits are visible in-app and may be adjusted by us at any time.

6.3 — Taxes — your responsibility

You are solely responsible for determining and paying any taxes arising from your use of the Services (including income tax, capital gains tax, VAT/sales tax, and withholding tax) under the laws of your country of residence and any other applicable jurisdiction. We do not provide tax advice. Where required by law we may withhold tax or report transaction information to tax authorities (including under FATCA, CRS, or local crypto-specific reporting regimes).

7. Digital Asset Transactions

7.1 — Irreversibility

Digital Asset transactions are typically irreversible. Once a transaction is broadcast to a public blockchain it cannot be unwound by Cause, by the receiving party, or by us. You are responsible for verifying the destination address, the selected network, and the amount before confirming any transaction.

7.2 — Wrong-chain risk

Each Digital Asset is associated with one or more specific networks. Sending an asset to an address on the wrong network will typically result in permanent loss of the funds. The in-app warnings shown before each receive or send flow are for your protection — read them.

7.3 — Network forks, validator collusion, and protocol risk

Public blockchains may undergo forks, governance changes, halts, consensus failures, or coordinated validator action. We are not obligated to support any specific fork and we may at our discretion select which side to follow. We are not liable for losses arising from protocol-level events outside our control.

7.4 — Smart contract risk

Some supported assets and features depend on smart contracts deployed by third parties or by us. Smart contracts may contain bugs, may be exploited, or may be subject to oracle manipulation or governance attacks. We do not warrant the security or correctness of any third-party smart contract.

8. CauseCard Programme

8.1 — Issuer

The CauseCard is a Visa Platinum prepaid debit card issued by Rain Cards. Cause is the programme manager. Your cardholder relationship is with Rain Cards; the Rain cardholder agreement (presented separately on approval) governs the card itself, including network rules, dispute rights, chargebacks, and acceptance.

8.2 — Funding and FX

The Card is funded from your Cause Wallet balance. Settlement currency is USD. Purchases in other currencies are converted at the rate provided by the card network plus the FX fee disclosed in the fee schedule.

8.3 — Restricted purchases

The Card may not be used for: cryptocurrency purchases through third-party services; gambling in jurisdictions where prohibited; controlled substances; dark-web services; unlicensed pharmacies; firearms and ammunition; endangered species; money-services- business activity; or any other category restricted by Visa, the issuer, or applicable law.

8.4 — Disputes and chargebacks

Disputed transactions are handled under the Visa scheme rules and Rain's dispute process. You must report unauthorised or disputed transactions promptly. Reporting windows may apply.

8.5 — Card limits

Daily and monthly spending limits, ATM withdrawal limits, and per-transaction limits apply per the programme tier shown in-app after issuance.

9. Prohibited Activities

You agree not to (and not to attempt to):

Use the Services for any illegal purpose, including money laundering, terrorist financing, fraud, tax evasion, market manipulation, or financing of weapons proliferation.
Use the Services in or on behalf of any Restricted Jurisdiction or Sanctioned person.
Provide false, misleading, or stolen identity information.
Use another person's Account or allow another person to use yours.
Interfere with the Services, attempt unauthorised access, scrape, probe, reverse-engineer, decompile, or otherwise compromise security.
Use bots, automated agents, or scripts other than through documented APIs we provide.
Conduct prohibited card purchases (Section 8.3).
Engage in transaction patterns indicative of structuring, layering, smurfing, or other AML-evasive techniques.
Use the Services to violate any third party's intellectual property, privacy, or other rights.

10. Suspension and Termination

10.1 — By us

We may suspend or terminate your Account, with or without notice, for: suspected fraud or sanctions exposure; unverifiable KYC; breach of these Terms; non-payment of fees; regulatory order; extended inactivity (with notice); or where required by law.

10.2 — By you

You may close your Account at any time by following the in-app flow or contacting info@cause.vision. Closure does not extinguish outstanding obligations, holds required by law, or retention periods mandated by AML/tax rules.

10.3 — Effect of termination

Upon termination we will (subject to AML/sanctions holds) return your remaining balances to an external wallet or bank account you nominate. We may retain personal data for the periods set out in our Privacy Policy where required by law.

11. Disclaimers and Limitation of Liability

11.1 — No investment advice

Nothing in the Services constitutes investment, financial, accounting, tax, or legal advice. Information shown in-app (including prices, charts, and educational content) is for general information only. You should consult a licensed professional before making financial decisions.

11.2 — No deposit insurance

Digital Asset balances are not insured by the FDIC, FSCS, CDIC, FSCS, or any other government deposit-insurance scheme. They are not covered by securities investor protection schemes. You may lose the entire value of your Digital Assets.

11.3 — Services AS IS

Subject to mandatory consumer-protection laws, the Services are provided "as is" and "as available" without warranty of any kind. We disclaim all implied warranties including merchantability, fitness for a particular purpose, and non-infringement, to the maximum extent permitted by law.

11.4 — Limitation of liability

To the maximum extent permitted by applicable law, Cause and its affiliates, officers, employees, agents, and suppliers will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages; loss of profits, revenue, data, or goodwill; or for digital-asset losses arising from market volatility, network failure, third-party action, or force majeure events. Our aggregate liability in any twelve-month period for any cause connected with the Services will not exceed the greater of (a) the fees paid by you to Cause during that period or (b) USD 1,000. Nothing in these Terms excludes or limits liability that cannot be excluded under applicable mandatory law (including for fraud, death, or personal injury caused by negligence).

11.5 — Force majeure

Cause is not liable for any failure to perform caused by events beyond reasonable control, including natural disasters, war, terrorism, civil unrest, labour action, governmental orders, internet or telecommunications failures, third-party service outages, blockchain network failures, or cyber attacks.

12. Indemnification

You agree to defend, indemnify, and hold harmless Cause, its affiliates, and their respective officers, employees, and agents from and against any claims, damages, losses, liabilities, and expenses (including reasonable legal fees) arising from (a) your breach of these Terms; (b) your violation of applicable law; (c) your infringement of any third-party right; or (d) any transaction conducted through your Account, whether by you or by a person you authorised or whom you negligently allowed to access your credentials.

13. Intellectual Property

All software, designs, trademarks, content, and documentation within the Services are owned by Cause Vision or its licensors and are protected by copyright, trademark, and other intellectual property laws. We grant you a limited, non-exclusive, non- transferable, revocable licence to use the Services for personal non-commercial purposes only. You may not copy, modify, distribute, sell, or reverse-engineer any portion of the Services.

14. Data Protection

Our processing of personal data is governed by our Privacy Policy, which complies with the EU and UK GDPR, the CCPA/CPRA, POPIA, PDPA, and other applicable data-protection laws. Where you are an EU/UK data subject, you have rights of access, rectification, erasure, restriction, portability, objection, and to lodge a complaint with your local supervisory authority (in the Czech Republic, the Office for Personal Data Protection — UOOU).

15. Dispute Resolution and Governing Law

15.1 — Governing law

These Terms are governed by the laws of the Czech Republic without regard to its conflict-of-law principles. Mandatory consumer-protection rights under the law of your country of residence are not affected.

15.2 — Pre-dispute notice

Before initiating formal proceedings, you must notify us in writing at info@cause.vision and allow 60 days for good-faith resolution.

15.3 — Jurisdiction

Subject to mandatory consumer protections, any unresolved dispute will be submitted to the exclusive jurisdiction of the courts of Prague, Czech Republic. EU consumers may alternatively submit disputes through the European Commission's Online Dispute Resolution platform at ec.europa.eu/consumers/odr.

15.4 — No class actions (where enforceable)

To the maximum extent permitted by applicable law and notwithstanding 15.3, you and Cause agree to resolve disputes on an individual basis and not as part of any class, consolidated, or representative action.

16. Modifications to these Terms

We may modify these Terms from time to time. The current version and effective date are shown at the top of this page. Material changes will be notified at least 14 days in advance via in-app message or email. Continued use of the Services after the effective date of a change constitutes acceptance. If you do not accept a change, you must stop using the Services and may close your Account.

17. General Provisions

17.1 — Entire agreement

These Terms, the Privacy Policy, the Risk Disclosure, and any product-specific agreements (including the Rain cardholder agreement) constitute the entire agreement between you and Cause regarding the Services.

17.2 — Severability

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

17.3 — No waiver

Failure to enforce any provision is not a waiver of our right to enforce it later.

17.4 — Assignment

You may not assign or transfer your rights under these Terms. We may assign our rights and obligations to an affiliate or to a successor in connection with a merger, acquisition, or sale of assets, with notice to you.

17.5 — Notices

Notices to you may be given by in-app message, email to the address on your Account, or any other method permitted by applicable law. Notices to us must be sent to info@cause.vision with a copy to our registered office at the address below.

17.6 — Survival

Sections that by their nature should survive termination (including Sections 6.3, 9, 11, 12, 13, 15, and any accrued payment obligations) will survive.

17.7 — Language

These Terms are drafted in English. Any translation provided is for convenience only; the English text prevails in case of conflict, except where mandatory local-language requirements apply.

18. Contact

General and legal enquiries: info@cause.vision

Security disclosures: techsupport@cause.vision

Postal: Cause Vision s.r.o., Prague, Czech Republic — registered identification number 17539013. Offices in Prague, Nairobi, and Dubai.

By continuing to use the Services after the Effective Date you confirm you have read, understood, and accepted these Terms, the Privacy Policy, and the Risk Disclosure.