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Terms of Service

1. Introduction

Welcome to Velvet Pay (Velvet Financial Inc).  By using our website, mobile application, or any services related to our credit card products (collectively, the “Services”), you agree to comply with these Terms of Service (“Terms”).

 

If you do not agree with these Terms, please do not use our Services.

2. Eligibility

To use our Services, you must:

  • Be at least 18 years old (or the age of majority in your jurisdiction).
  • Have a valid government-issued ID.
  • Provide accurate and complete information during account registration.
3. Account Registration & Security
  • You may need to create an account to access certain features.
  • You are responsible for maintaining the confidentiality of your login credentials.
  • You must notify us immediately if you suspect unauthorized access to your account.
4. Use of Services

By using our Services, you agree to:

  • Use them only for lawful purposes.
  • Not engage in fraudulent or deceptive activities.
  • Not attempt to access restricted areas of our website or interfere with its security features.
5. Credit Card Terms & Conditions

By applying for and using a Velvet Pay credit card, you agree to abide by the Credit Card Agreement, which outlines:

  • Interest rates, fees, and payment terms.
  • Credit limits and spending policies.
  • Dispute resolution procedures.
  • Liability for unauthorized transactions.

For full details, please refer to your Credit Card Agreement, which governs your specific credit account.

6. Fees & Charges

Your use of a credit card may be subject to certain fees, including but not limited to:

  • Annual fees
  • Late payment fees
  • Foreign transaction fees
  • Cash advance fees
  • Annual fees
  • Late payment fees
  • Foreign transaction fees
  • Cash advance fees

A full breakdown of fees is provided in your Credit Card Agreement.

7. Payment Terms
  • Your billing statement will be generated monthly, and payment due dates will be clearly outlined.
  • Failure to make payments on time may result in interest charges, late fees, and potential impact on your credit score.
8. Dispute Resolution

If you have a dispute regarding charges or account activity, you must notify us in writing within 60 days of the transaction date

We offer:

We welcome your questions, comments, and concerns about privacy. Please send us any and all feedback pertaining to privacy, or any other issue.

Online Policy Only

This online privacy policy applies only to information collected through our website and not to information collected offline.

 

Arbitration as a method for resolving disputes (if applicable).

9. Intellectual Property

All website content, logos, and trademarks are the property of Velvet Pay and may not be copied, distributed, or modified without our written permission.

10. Privacy Policy

Your use of our Services is also governed by our Privacy Policy, which outlines how we collect, use, and share your personal information.

11. Limitation of Liability

 We detect suspicious or fraudulent activity.

  • Unauthorized access to your account.
  • Errors, interruptions, or security breaches.
  • Losses or damages resulting from third-party services linked to our website.
  • Unauthorized access to your account.
  • Errors, interruptions, or security breaches.
  • Losses or damages resulting from third-party services linked to our website.
12. Termination of Service

You violate these Terms.

  • Unauthorized access to your account.
  • Errors, interruptions, or security breaches.
  • Your account remains inactive for an extended period.

You violate these Terms.

13. Modifications to Terms

We may update these Terms from time to time. Any changes will be posted on this page with the “Last Updated” date. Your continued use of our Services constitutes acceptance of the revised Terms.

14. Contact Information

For any questions or concerns about these Terms, please contact us at:

Velvet Financial Inc

910 S. Riverside Drive, Suite 3

[email protected]

866-990-7750

© Copyright 2025 Velvet Beauty Pay. All right reserved.