These Terms & Conditions (“Terms”) form a legally binding agreement between Leading Cards, a technology platform registered in Saint Vincent and the Grenadines, and you (“User”). By accessing our platform and using our services, you agree to comply with these Terms. Leading Cards provides Users with access to virtual cards issued by authorized third-party providers. These cards are intended strictly for affiliate marketing, online media purchases, and IT-related services.

Leading Cards is not a bank, not a licensed financial institution, and does not issue cards or hold funds on behalf of Users. We act as a technology intermediary offering access to virtual cards through approved third-party providers. All payments, card issuance, and financial processing are managed by licensed entities outside of our operational control.

To use the platform, you must:

You must not use our services if:

Upon successful registration, Users are granted an account through which they can request access to virtual card services. You are solely responsible for maintaining the confidentiality of your login credentials. Leading Cards is not liable for any unauthorized access caused by your failure to secure your account.

Virtual cards accessible via the platform are issued by third-party licensed institutions (“Issuers”). By using a card, you also agree to the Cardholder Agreement provided by the Issuer. Card availability, spending limits, fees, and supported merchants are determined by the Issuer and may vary depending on your verification tier and jurisdiction.

Fees for card issuance, renewal, or usage are displayed in your account dashboard and may vary by card type or User tier.

We may suspend, restrict, or terminate your account without prior notice if:

You may close your account at any time by contacting our support team. Leading Cards reserves the right to retain records of your usage in accordance with our AML obligations.

Your use of the platform is subject to our Privacy Policy, which describes how we collect, process, and store your personal information, including identification documents for KYC purposes.

Leading Cards does not offer services to Users in or from the following jurisdictions:

To the fullest extent permitted by law:

These Terms are governed by the laws of Saint Vincent and the Grenadines. Any disputes arising from or relating to these Terms shall be resolved through amicable negotiation, or where necessary, submitted to the appropriate courts of SVG.

We may revise these Terms at any time by posting an updated version on our website. Continued use of the platform after updates constitutes acceptance of the new Terms.