Terms of Service

These terms and conditions ("Agreement") govern the use of the Fiat to Crypto Onramp and Crypto to Fiat Offramp with Virtual and Physical Credit Cards service ("Service") provided by ArkFi ("Provider") to the user ("User") via online applications ("Platform"). By using the Service, the User agrees to be bound by this Agreement. If the User does not agree to the terms of this Agreement, the User may not use the Service.

Service Description

The Platform provides the User with the ability to convert fiat currency into cryptocurrency and also cryptocurrencies into fiat currency, which can then be used to purchase virtual and physical credit cards. These virtual and physical credit cards can be used by the User to make purchases at participating merchants.


The Provider is not liable for any damages or losses incurred by the User as a result of using the Service. The User assumes all risks associated with the use of the Service, including but not limited to the risks associated with the volatility of cryptocurrencies.


The Provider grants the User a non-exclusive, non-transferable license to use the Service for the purpose of converting fiat into cryptocurrencies, cryptocurrencies into fiat currency and purchasing virtual and physical credit cards. The User may not use the Service for any other purpose without the express written permission of the Provider.

Reservation of Rights

The Provider reserves the right to modify, suspend, or discontinue the Service at any time without notice to the User. The Provider also reserves the right to refuse service to anyone for any reason at any time.


The content of the Service, including but not limited to text, graphics, logos, images, and software, is the property of the Provider and is protected by copyright laws. The User may not reproduce, distribute, or modify any part of the Service without the express written permission of the Provider.

Content Liability

The Provider is not liable for any content posted by the User using the Service. The User is solely responsible for the content of any communications made using the Service.

Governing Law

This Agreement shall be governed by and construed in accordance with the laws of [state/country], without regard to its conflict of laws principles.

Dispute Resolution

Any dispute arising out of or relating to this Agreement shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association. The arbitration shall take place in [city/state], and the arbitrator's decision shall be final and binding.

Entire Agreement

This Agreement constitutes the entire agreement between the User and the Provider with respect to the use of the Service and supersedes all prior or contemporaneous communications and proposals, whether oral or written, between the User and the Provider.


The Provider may amend this Agreement at any time by posting the amended terms on its website. The User's continued use of the Service after the posting of the amended terms constitutes acceptance of the amended terms.


If any provision of this Agreement is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.


The failure of the Provider to enforce any right or provision of this Agreement shall not be deemed a waiver of such right or provision.


The User may not assign this Agreement without the prior written consent of the Provider.

Contact Information

If the User has any questions or concerns about this Agreement or the Service, the User may contact the Provider at [contact information].