Terms of Service.

These terms govern the Azura website and the Azura service: crypto-funded virtual cards for advertising, AI tools, cloud services and subscriptions. Azura is a brand of Azuria Labs LLC, a Wyoming limited liability company with its principal office at 30 N Gould St, Ste N, Sheridan, WY 82801, United States. “Azura”, “we” and “our” refer to Azuria Labs LLC operating the Azura brand; “you” means the visitor or customer and, where applicable, the business they represent.

You accept these terms when you create an Azura account; the registration form asks for that agreement explicitly. Browsing the website alone does not create an account or a payment obligation. The card rules shown in your dashboard before you create, top up, unlock or close a card form part of these terms for that card.

The dashboard demo is a simulation. Balances, cards, transactions, deposit addresses and referral rewards shown in the demo are examples. The demo does not open an account, issue a usable card or accept money. Do not send cryptocurrency to a demo address or enter real card details in the demo.

Azura serves both business customers and individual customers through the same dashboard and service. Typical uses include advertising, cloud services and software subscriptions. You must be at least 18, have reached the age of majority where you live and be legally able to enter into the agreement. If acting for a business, you must have authority to bind it.

The service is not available in sanctioned or prohibited jurisdictions, or where applicable local law forbids it. Where our card partner or payment processor restricts a country or region, we tell you before it affects an order. You are responsible for complying with the laws and tax obligations that apply to your use. This does not transfer the operator’s own legal obligations to you.

Network filtering can sometimes block access to the dashboard or a checkout page, including on networks in parts of Russia and the CIS. An otherwise eligible customer may use a VPN or a residential connection in a supported region to address a connectivity issue. This changes how you connect; it does not by itself change a card’s validity, guarantee acceptance or make you eligible. Access from a sanctioned or prohibited jurisdiction remains forbidden regardless of the connection used. Never use a VPN to misrepresent your residence or bypass an eligibility restriction.

Keep your account details accurate, protect your sign-in credentials and use only accounts and funds you are entitled to control. Notify support promptly if you suspect unauthorized access or a payment you do not recognize. Responsibility for a disputed transaction depends on the facts, applicable law and the relevant cardholder agreement; account access alone does not settle that responsibility.

Azura’s standard onboarding does not require identity-document or selfie uploads. No KYC does not mean no data processing, anonymity or exemption from legal requirements. Account, security and transaction information is still processed to run the service. If a legally required check or a partner restriction applies to your account, we tell you before it affects an order.

The product allows a cardholder name of your choice. This does not authorize impersonation, fraud or misrepresentation, and merchants may apply their own matching and acceptance requirements. See our Privacy Policy for the current data-processing position.

• Ads Card. A virtual card intended for advertising spend outside X (Twitter).
• X Ads Card. A virtual card for X (Twitter) Ads. The regular Ads Card is not accepted at X’s checkout.
• AI Card. A virtual card intended for AI tools, cloud infrastructure and software subscriptions.

The cards are issued by a third-party card issuer through our card programme partner; Azura provides your account, the dashboard and support. The card network (Visa or Mastercard) is shown on your issued card. Azura is not a bank and holds no banking licence; balances with Azura are not bank deposits and carry no deposit insurance.

The card number, expiry and security code become accessible only after the card’s first top-up is confirmed. These products do not support pairing with Apple Pay or Google Pay.

3-D Secure. For Ads Card, X Ads Card and AI Card, the card provider automatically confirms all 3-D Secure authentication requests. No 3DS code is sent and no action is required from you to complete 3DS. This does not guarantee payment approval: payments remain subject to available funds, merchant acceptance and issuer and card-network rules.

A card may be declined by a merchant, issuer or network. A platform logo is not an endorsement or a guarantee of acceptance. Card creation in under two minutes is a product estimate, not a guaranteed deadline. Spending limits, restricted merchant categories and other card restrictions apply as shown in the card rules in your dashboard; cash access, offline use and phone wallets are not supported.

The flow is crypto deposit → USD account balance → card balance. Deposits are processed by a third-party crypto payment processor. The coins and networks offered in the deposit dialog are the ones you can use; the current choice includes USDT, USDC, BTC, ETH, LTC and XMR on the networks shown there. Displaying a coin elsewhere on the website does not make every network or token variant supported.

• Minimum amounts. Each crypto deposit has a minimum requested account credit of $20; the deposit fee is added to the payment. Each card top-up has a minimum entered amount of $20 before its fee is deducted. Creating a card is a separate $5.00 charge.
• Payment instructions. Check the address, network, amount, quote and its expiry before sending funds. The deposit dialog shows the exact crypto amount and how long that rate is locked; if the lock expires before you send, start a new deposit. A transfer that arrives late or in an unexpected amount goes into review and is credited once it can be matched to your deposit. Quotes in the dashboard demo are examples, not exchange-rate commitments.
• Blockchain risks. Send only the quoted asset, on the quoted network, to the address shown in your deposit instructions. Azura cannot recover a transfer of another asset or over another network; in some cases our payment processor can trace it, but recovery is not guaranteed. Blockchain transfers generally cannot be reversed; an incorrect address may cause permanent loss.
• Timing and exchange rates. Network congestion, confirmations, checks and price movements can affect timing and the amount credited. If less than the quoted amount arrives, the amount received is credited proportionately on the quoted terms; a flat network fee shown in the quote applies in full. You may send the remainder to the same deposit address to complete that load, subject to the live quote’s validity and payment instructions. If Azura or its payment processor returns a transfer to the sender, the corresponding credit is reversed in your statement. Wallet or network charges are separate from Azura’s fees.

Loaded balances are funds for spending through the service, not bank deposits. They do not earn interest or carry deposit insurance, and funding is exposed to applicable fees, exchange-rate movements and network risks. There is no regular withdrawal or cash-out facility. Load only what you intend to spend. Any mandatory rights to reimbursement remain unaffected. Figures in the dashboard demo are simulated and do not represent real funds.

The $5.00 one-time card creation fee, 4% card top-up fee and 0.6% crypto deposit fee apply equally to Ads Card, X Ads Card and AI Card. The card creation fee is a launch offer; the regular price is $10.00. We may end the offer for new cards with notice on this page; the price shown when you confirm a card order is the price of that card. The fee table below is the current published schedule. Every order in the dashboard shows the amount, the relevant fees and the net amount before you confirm.

For example, requesting $100.00 in account credit adds a 0.6% deposit fee of $0.60, for a total payment of $100.60. The full $100.00 reaches the account balance. A $100 card top-up credits $96 after the 4% top-up fee; the account must have enough balance to fund that top-up. Card creation is charged separately. Amounts are calculated in cents and rounded to the nearest cent.

Burn closes and the card creation price. We treat a card as a “burn close” when you close it after using it while less than $15.00 of spend has settled on it, or when a merchant you had paid with it was declined for insufficient funds in the 48 hours before the close or keeps billing the closed card afterwards. How long the card was open does not matter. Closing a never-used card, or a card with real settled spend and no unpaid merchant bill, is never a burn close. Burn closes are counted per account over a rolling 30-day window. While that count is two, your next card costs $15.00 instead of $5.00; while it is three or more, $20.00, which is the maximum. While three or more burn closes fall within the window, new cards are paused until fewer than three remain; your existing cards, deposits and top-ups keep working. The price falls back to $5.00 once fewer than two burn closes remain within the window. The current price and the reason are shown before you confirm a card order. The 1% return fee on a voluntary card close applies regardless of how the close is classified.

Card limits. Each account can hold up to 5 active cards and create up to 10 new cards within 30 days. Cards that could not be issued do not count. We raise these limits on request through support, and we may set a lower limit for an account where these terms allow us to restrict it; the dashboard then shows the reason.

External blockchain charges, merchant charges and exchange-rate effects are not Azura fees. There is no subscription plan and, because balances are not paid out, no withdrawal fee. A price change is announced on this page with the notice required by applicable law and never changes a completed order; the price shown when you confirm an order is the price of that order. The pricing section describes the same fee schedule.

Permitted card purposes. Use Ads Card and X Ads Card only for advertising payments. The regular Ads Card does not support X (Twitter); choose X Ads Card for X advertising. Use AI Card only for AI tools, cloud services, paid APIs and SaaS subscriptions. These cards are not for general shopping. These are Azura’s permitted-use rules; they do not guarantee merchant acceptance.

Currency and spending limits. Account and card balances are in USD. Each card carries daily and monthly spending limits, a maximum per payment and a maximum balance. They are shown in your dashboard before you create the card and on the card afterwards, and the issuer may apply a lower effective limit. A limit is not a guarantee that every merchant charge will be accepted.

Keep your card active. Spend at least $29 per month on each card to keep it active. This is spending with merchants, not a monthly Azura fee. After three inactive months, the card is retired and its remaining balance returns to your main Azura balance without a return fee. The creation fee paid for the issued card is not refunded when it is retired, except where applicable law requires otherwise.

Keep a small positive balance on any active card you intend to use, and enough to cover the full merchant charge, including any applicable tax, currency conversion or authorization hold. Repeated payment attempts with no available funds may also cause a network flag or block. Card funds and the main account balance are separate; a positive account balance does not automatically top up a card.

We lock a card after two consecutive payment declines caused by insufficient funds (an NSF lock). This counts consecutive insufficient-funds declines, rather than all declined payments over the card’s lifetime. Each declined attempt carries the $0.25 fee above.

Debt repayment and unlocking are separate. A deposit may be used to repay a card debt automatically. Only the amount left on the card after repayment and applicable fees is available for spending. The NSF lock clears automatically when a top-up brings the booked card balance high enough to cover the charge that was declined, plus any required network margin. Repaying the debt alone may leave the card locked; you may need a further normal card top-up.

One self-service unlock per lock episode. After a top-up, you may alternatively request an NSF unlock, for example if you have moved the recurring charge to another payment method. This requires a minimum confirmed spendable balance and acknowledgement of the current card-use rules. The self-service option is available once per NSF-lock episode.

Final warning and retirement. After an unlock, another insufficient-funds decline triggers a final warning. A further insufficient-funds decline after that warning’s 24-hour grace period retires the card. We permit at most two full NSF-state resets per card within 30 days; a third covering top-up leaves the final warning in place. Treatment of remaining funds is subject to the applicable agreement and mandatory law; a lock or retirement does not itself authorize unlawful forfeiture.

Restricted merchant categories. Payments in restricted merchant categories are declined by the issuer at any balance, and each attempt counts as a strike, separately from the NSF rules. Repeated strikes freeze the card under a merchant-category lock; where eligible, you can unlock it yourself once per reset window after acknowledging the card rules, after which the card is on probation. Further restricted attempts during probation lead to a final warning, a freeze and finally the retirement of the card, with its balance returned to your account balance without a return fee. An ordinary unfreeze or top-up does not remove this lock. The restricted categories, the strike counts and the time windows are listed in the card rules in your dashboard.

One card per advertiser account. A card is for one advertising account (for example one Google Ads or one TikTok Ads account). Using one card behind several advertiser accounts is prohibited use: advertising platforms read one card number behind many accounts as card testing, and the whole card range pays for it. Our card partner counts the distinct advertiser accounts a card is used with over a rolling window, across approved, settled and declined verification charges alike; a platform’s separate invoice references (for example Meta’s) do not count as distinct accounts. When a card appears behind several accounts we warn you, in the dashboard and by e-mail; when the pattern continues, the card is locked. Topping up does not lift this lock and there is no self-service unlock; contact support for a review, and expect to be asked which accounts you used the card for. Your balance remains yours while the card is locked: you can return it to your account balance (1% return fee) or close the card. If you run several advertiser accounts, buy a separate card for each. A first lock does not change the price of your next card. If a second card on your account is locked for this within 12 months, we pause new cards on your account until our support team has reviewed it; your existing cards, deposits, top-ups and returns keep working.

Freezing a card does not cancel a subscription, settle a merchant dispute or remove a debt to a merchant. Cancel recurring services with the merchant and follow its cancellation process. Authorization holds, delayed presentment, reversals and merchant refunds are governed by the applicable cardholder and network rules.

Card debt. A merchant settlement that arrives late or higher than the authorized amount can take a card below zero; the difference is a debt on that card. Each declined payment attempt on a card without balance adds the $0.25 decline fee to that debt. We may repay such a debt automatically from your account balance, including any later deposit or return from another card, at the normal 4% load fee shown above; the repayment covers the debt and its fee, nothing more is taken from your balance. If we cover a card debt from our own funds, you owe us that amount plus the load fee, and it is taken from your next deposit. While a card debt is open we pause new cards and loads to your other cards. We freeze an indebted card after 72 hours and, if the debt is still open on day 10, we close the card for good; you then owe us the debt and it is taken from your next deposit. A card closed this way is not reopened.

Charges after a card is closed. A merchant you were paying may keep presenting its bill to a closed card for up to 30 days. Each such declined attempt costs the $0.25 decline fee, which is charged to your account balance and, if the balance is empty, is owed to us and taken from your next deposit. Update the payment method with the merchant before closing a card.

Keep sign-in and account-authentication codes private. Payments remain subject to merchant, issuer and network decisions; the dashboard demo’s controls do not authorize real transactions.

Use the website and the service lawfully. In particular, do not:

• Use stolen funds, stolen credentials, impersonation or deceptive payment information.
• Launder money, finance terrorism, evade applicable sanctions or facilitate other unlawful transactions.
• Exploit a vulnerability, interfere with the service, access another person’s account or circumvent security controls.
• Sell, rent or transfer account access or cards without authorization under the applicable service agreement.
• Use a card to carry out fraud or deliberately evade a merchant’s or advertising platform’s lawful restrictions.

Restricted uses. The cards are not for general shopping and must not be used for games and digital-goods purchases, gambling, cash withdrawals, money transfers, buying crypto or funding exchange accounts or e-wallets. The issuer declines such payments; the decline fee applies and the strike rules above follow. Google Ads' own card verification is the only charge admitted in the games category, during a short window while Google checks the card. That window is not permission to buy games: a game purchase approved in it locks the card, and a repeat closes the card and returns its remaining balance to your account balance. After a second such case within 12 months we pause new cards on your account, while deposits, top-ups and existing cards keep working; repeated cases may lead to the closure of your account. The current list of restricted categories is part of the card rules in your dashboard; it is not a guarantee that every other merchant is accepted.

A merchant refund, a dispute over an unauthorized or incorrect payment, a withdrawal of unused funds and a refund of an Azura service fee are different processes. Blockchain irreversibility does not, by itself, remove a legal claim relating to a card transaction or a service.

Account and card balances are intended for spending and cannot normally be withdrawn to a wallet or bank account. A merchant refund is distinct from a withdrawal and is processed according to the applicable issuer and network rules. Card creation and funding fees already charged are not normally refunded after the relevant service has been performed, except where applicable law requires otherwise. These rules do not remove mandatory withdrawal, reimbursement or unauthorized-payment rights.

Minimum partial return. Where permitted, partial returns from a card to your account balance must be at least $5 before the return fee. This $5 minimum applies only to partial card-to-account returns, not to merchant refunds or full card closures. Existing return eligibility rules and fees still apply; returning card funds does not provide a cash-out facility.

Closing eligibility. For a card with settled spending, closure requires at least $15 settled or a card age of at least seven days. Pending authorizations, a load or return still processing, card debt and other eligibility restrictions may prevent closure; a never-used card is not subject to that used-card threshold. A freeze alone does not establish that a card can or cannot be returned. The applicable eligibility must be checked before a return or close is accepted.

Expiry. An expired card is retired automatically and its remaining balance returns to your main Azura balance without a return fee. Its issued-card creation fee is not refunded, except where applicable law requires otherwise. Merchant refunds received after a card closes remain attributable to that card and retain their separate refund fee.

Disputes. Report an unrecognized or incorrect payment to support promptly, with the card, date, amount and merchant. We raise disputes and replacement questions with our card partner on your behalf; the issuer’s and card network’s dispute rules and deadlines apply, and contacting a merchant does not extend them. Do not share a password, full card number or authentication code in a support message.

We may suspend cards, restrict access or terminate the service where reasonably necessary to protect customers, payment networks or the integrity of the service. Grounds include suspected fraud or abuse, breaches of these terms, repeated flagged transfers, a security incident, provider requirements, applicable law or a lawful order. Restrictions should be proportionate to the reason. Where permitted, the customer should receive an explanation and a way to contest an error; information may be withheld where disclosure is unlawful or would compromise security.

You can close your account in the dashboard at any time. Close your cards first; closing a card returns its balance to your main Azura balance. Before closing, cancel merchant subscriptions and review pending charges. Closure does not create a withdrawal facility: balances are not paid out. If money is left on your main balance, the dashboard offers two choices, to spend it first or to close the account anyway. If you choose to close anyway and confirm that you understand, the remaining balance is forfeited at closure and cannot be restored later. Merchant refunds that reach a closed account are reviewed by our support team. Closure does not erase records that must lawfully be retained. Where applicable law requires us to repay a balance, that requirement takes precedence over this forfeiture.

For each person who registers through your personal invitation link, you receive $5.00 of account credit once that person has topped up a total of $500.00 onto their Azura cards, and a further $5.00 for every additional $1,000.00 they top up, for as long as their account is open. Only card top-ups the invited person paid for count, from their registration on, each at the amount paid including the top-up fee; crypto deposits, card creation fees and repayments of card debt do not. The invitation is recorded when the person registers through your link and cannot be added later. While the programme is active, credit is added automatically when a step is reached. This is spending credit for your cards, not a cash payout. Your dashboard shows totals only (people invited, people past the first step, credit earned), never the top-ups of an individual person. A link click or registration alone does not qualify. No reward for the invited person is promised. Demo invitations and displayed credits are simulations.

Do not use self-referrals, fabricated accounts, spam or misleading claims to generate rewards. A reward may be withheld or reversed where the referral is fraudulent, duplicated or does not meet the published rules. Material programme changes should apply prospectively and respect rewards already validly earned.

The website’s original branding, design and software are protected by applicable intellectual-property law. You may view the website and save or print these legal documents for reference. This does not grant a right to misuse the Azura brand or another party’s content. Rights granted by law or an applicable open-source licence are unaffected.

Third-party names and logos identify the services discussed. They do not imply affiliation, sponsorship or universal compatibility. External websites operate under their own terms and privacy notices.

Azura does not provide financial, investment, legal or tax advice. Product descriptions, funding examples and information about cryptocurrencies are general information, not a personal recommendation. You are responsible for your decisions and for obtaining independent advice where needed.

We work to keep the service available, but merchant acceptance, uninterrupted uptime and uninterrupted advertising delivery are not guaranteed. Card issuing, card payments and crypto deposits depend on our card partner, the issuer, the card networks, our payment processor and the blockchains involved; a delay or outage on their side can delay an order. Do not rely on the dashboard demo’s simulated transactions, example exchange rates or demo balances to make a real payment.

We are responsible for the service we provide under these terms and applicable law. These terms do not introduce a blanket liability cap and do not exclude liability that cannot legally be excluded, including liability for fraud or intentional misconduct. Mandatory consumer and payment-service protections remain unaffected where they apply.

The operator is Azuria Labs LLC, a Wyoming LLC. These terms do not yet contain a governing-law clause; until one is added, the law that applies to you by default applies. A Wyoming incorporation does not displace mandatory laws that apply to the service or its customers. No exclusive court venue, arbitration requirement or waiver of collective rights is imposed by these terms.

Individual customers receive the consumer protections that apply to their contract, including any statutory right to cancel and the complaints route of their jurisdiction. Complaints go to the support contact below; we answer in writing. Marketing a product for business use does not remove mandatory protections from a customer who legally qualifies as a consumer.

Nothing here limits rights that cannot be waived under the law applicable to you. Any future choice-of-law or venue provision must respect those rights.

The revision date identifies the latest update to these terms. We may update them as the service changes; material changes that affect existing customers are announced in the dashboard or by e-mail with the notice required by law, and apply from the date stated. Continued browsing alone is never treated as acceptance of a new fee or a new paid service.

The Privacy Policy and Cookie Policy explain information processing and browser storage; neither replaces any consent separately required for processing or storage.

Legal and support contact: hello@azura.cards

Operator: Azuria Labs LLC, 30 N Gould St, Ste N, Sheridan, WY 82801, United States. Azura is a brand of Azuria Labs LLC, registered with the Wyoming Secretary of State under Filing ID 2026-002098781.