These Terms and Conditions ("Terms") govern your access to and use of TrueHold's products and services, including the card program and any related on-ramp, off-ramp, or virtual asset exchange features (collectively, the "Services"). By accessing or using the Services, you enter into a legally binding agreement with TrueHold ("TrueHold," "we," "our," "us"). Please read these Terms carefully. If you do not agree, do not visit, access, or use the Services.
Non-custodial by design: TrueHold does not request or store your seed phrases or private keys. Prior to spend, your digital assets remain in wallets you control. See Sections 2 and 5.
We may update these Terms from time to time (for example, due to service improvements, legal or regulatory changes, or to prevent abuse). We will provide notice of material changes when required. Unless a different effective date is stated, updates are effective when posted. Your continued use of the Services after updates constitutes acceptance of the revised Terms. We may also change, suspend, or discontinue any Service at any time.
We may, without prior notice or liability, and for any reason:
Your use of the Services is conditional upon your acceptance of these Terms. If you have questions, contact us at hello@truehold.xyz. If you disagree with any provision, stop using the Services immediately. Local laws and regulations may apply to your use; you are responsible for compliance.
Digital assets are volatile and can lose value quickly. Market liquidity may be limited. The value of a digital asset may fall to zero. Consider whether trading, holding, or using digital assets is suitable for you given your financial situation and risk tolerance.
Availability of the Services varies by jurisdiction and is subject to applicable laws and sanctions programs. We do not provide Services where prohibited, including (without limitation) jurisdictions subject to comprehensive sanctions. We may suspend or terminate access, restrict features, return assets as directed by authorities, or block transfers where required by law or sanctions programs.
Who we are. TrueHold provides a non-custodial crypto spending experience: connect your self-custody wallet, issue a card, and spend with just-in-time conversion to fiat at purchase time.
Issuance & partners. Card and e-money features are provided by licensed partners, authorized electronic money institutions / card issuers. Features and availability vary by region and partner.
TrueHold does not take custody of your private keys or require deposits of your digital assets to TrueHold accounts.
Subject to availability and partner coverage, TrueHold may offer:
TrueHold does not list or trade regulated securities. Certain Services may be provided by third parties under their own terms.
You may use the Services only if you:
We collect and retain information required for KYC/AML and sanctions compliance. We may request identity documents (e.g., passport) and perform checks using reliable third-party sources. Do not share account credentials with others or use VPN/proxies to evade geo-restrictions. You must keep information accurate and up-to-date and promptly notify us of changes. We may request additional information at any time to meet our legal obligations.
Finality: Blockchain transactions are irreversible. Verify amounts and addresses before sending. We cannot reverse or recall on-chain transfers.
Cashback may be earned on eligible purchases made with your TrueHold card (virtual or physical). Excluded categories do not earn cashback, including (non-exhaustive):
4829, 6538, 6536, 6537, 6010, 6011, 6050, 6051, 6529, 6530, 6540, 6012, 8999, 6211, 6300, 6513, 6760, 6532, 6533
7995, 7800, 7801, 7802
9311, 9222, 9223, 9211, 9399, 9402, 9405, 9411
4900, 9402
"Cash-like" transactions (e.g., money transfers, gift cards, currency exchange) are excluded. We may reverse cashback if a transaction is refunded, earned fraudulently, or violates these Terms. If we cannot recover an improperly credited amount, you remain responsible for repayment.
You must ensure:
We rely on the data you provide. Errors may result in loss of funds or assets. Blockchain data (including your public addresses) is permanent and publicly viewable.
Third-party providers (exchanges, payment processors, wallet providers) may be used for parts of the Services. We are not responsible for their delays, errors, limits, or outages. Their terms apply.
Most trades settle via blockchain and third-party fiat payment rails. We may set minimums/maximums and frequency limits. Once placed and submitted, trades are final and non-refundable, subject to applicable law. After delivery of crypto to your wallet or fiat to your account, our obligation is fulfilled.
You are solely responsible for safeguarding private keys and recovery phrases. We cannot recover lost keys or funds and do not issue refunds for user error, fraud, or third-party failures.
By using the Services, you acknowledge risks including, but not limited to:
You represent and warrant that you: (i) meet eligibility criteria; (ii) provide accurate information; (iii) comply with all applicable laws; and (iv) will not use the Services for unlawful purposes.
You agree not to:
If you suspect unauthorized access, notify hello@truehold.xyz immediately.
These Terms apply while you use the Services. We may suspend or terminate access immediately, including where you: (i) no longer meet eligibility; (ii) violate these Terms; (iii) fail to pay fees; or (iv) where required by law or a competent authority. We may decline, cancel, or reverse transactions at our discretion, subject to law. If you initiated a trade before suspension/termination, we will return corresponding fiat or digital assets unless prohibited by law. Terms intended to survive termination do so (e.g., indemnities, disclaimers, governing law).
TrueHold (and its licensors) own all rights in the Services, including content, branding, logos, and card designs. You may not copy, modify, reverse engineer, or create derivative works except as permitted by these Terms.
Each party will protect the other's confidential information and use it only to perform under these Terms. Confidential information may be shared with employees/agents/advisors on a need-to-know basis under equivalent confidentiality obligations. On request, destroy or securely erase confidential information (subject to legal retention requirements).
We process personal data in accordance with applicable data protection laws to provide the Services. See our Privacy Policy for details.
The Services are provided "as is" and "as available" without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, non-infringement, or uninterrupted/secure operation. We do not warrant accuracy, completeness, or timeliness of content or data.
To the maximum extent permitted by law, TrueHold and its Affiliates, officers, directors, employees, agents, service providers, and contractors are not liable for indirect, incidental, special, consequential, exemplary, or punitive damages; loss of profits, data, business, goodwill; or intangible losses arising from or related to the Services or these Terms, whether based in contract, tort, negligence, strict liability, or otherwise. Our aggregate liability is limited to the total fees you paid to TrueHold in the 12 months preceding the claim. Nothing excludes liability that cannot be excluded by law.
You agree to indemnify and hold harmless TrueHold and its Affiliates, officers, directors, employees, and agents from claims, losses, damages, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of your use of the Services, your breach of these Terms, violation of law, or infringement of third-party rights.