Terms of Service.

Hpcarding operates a digital exchange that buys gift cards, prepaid cards and supported cryptocurrencies from individual sellers and pays the agreed value in Naira by instant bank transfer. These Terms of Service, together with our Privacy Policy and AML & KYC Policy, form a binding agreement between you and Hpcarding.

By creating an account or starting a trade, you accept these terms. If you do not agree with any part of them, please do not use the platform. Separate notices displayed inside the app during a trade (such as a locked quote confirmation) form part of that specific trade and do not change these terms.

You must be at least 18 years old and legally able to enter into contracts to open an account. You may only trade funds and assets that you own or are authorized to sell. One person may hold one account, and accounts are personal - they cannot be transferred, sold or operated on behalf of an unnamed third party.

Business and bulk trading accounts are available and carry additional onboarding requirements. Contact support if you trade volumes that regularly exceed personal limits.

You are responsible for the accuracy of the details you provide, for keeping your password confidential, and for all activity that happens under your login. Notify us immediately through official support channels if you suspect unauthorized access.

We may ask you to update your details at any time. Persistent inaccuracy in account details can delay payouts, because instant bank transfers only succeed when the receiving account matches your verified identity.

Before your first payout we complete a one-time identity check: a government-issued ID and a liveness selfie. Higher verification tiers unlock larger trade limits and may request proof of address or source of funds. Verification exists to protect both sides of every trade and is required by the financial regulations that apply to us.

We treat verification data under our Privacy Policy. We do not sell it, and we keep only what the law requires us to keep.

The rate board shows the rates we pay, per brand, region and asset, and it updates with the market. A quote becomes binding the moment you accept it inside a trade: that quote is locked for the duration of the trade window, and the payout does not change even if the market moves.

A quote can be re-issued before acceptance if the board moves, and it can be voided after acceptance only if verification fails for a stated reason - for example a card that is already redeemed, a balance that does not match the amount declared, or a transaction that cannot be confirmed on-chain.

• Open a trade and declare the brand, region, denomination or coin and network.
• Complete in-platform verification: card codes or card details, or an on-chain send to the unique address issued for the trade.
• Review and accept the locked quote.
• Receive your Naira by instant transfer, with a receipt recorded in your trade history.

Payout timing targets are shown per asset and begin once verification completes. The visible trade timer reflects the current stage at all times. If a payout is ever late past its stated target, flag the trade on live chat with its ID and it enters the priority lane.

• Trading cards, coins or proceeds you do not own or are not authorized to sell.
• Attempting to trade stolen, fraudulent or counterfeit assets, or assets linked to any criminal activity.
• Circumventing verification, manipulating quotes, or exploiting platform errors for gain.
• Using the platform on behalf of an undisclosed third party, or reselling access to it.
• Any activity prohibited by the financial, anti-money-laundering or sanctions rules that apply to you or to us.

We may refuse, pause or reverse any trade that breaches this section, and report activity where the law requires us to. Where a trade is reversed, funds or assets are returned as far as the law and the situation allow.

There are no trading fees, processing fees or withdrawal fees charged to sellers. The rate shown on the board, and the quote you accept, is the amount paid to your bank. We earn our margin on the resale side of the exchange, not from deductions on your payout.

Your bank may apply its own rules to receiving transfers; those are between you and your bank, not part of our pricing.

You can close your account at any time from settings or by contacting support, subject to completing any trades already in progress and to the record-keeping duties described in our AML & KYC Policy.

We may suspend or restrict an account where verification cannot be completed, where a trade breaches these terms, or where the law requires it. We will tell you the reason where we legally can. Completed trades that pass verification are always paid out, regardless of any later account closure.

We provide the platform with professional care and honor every locked quote. Our liability for any claim connected to a trade is limited to the value of that trade. We are not liable for indirect losses - such as lost profit or missed opportunities - that are not a direct result of our failure.

Nothing in these terms limits liability that cannot legally be limited. You agree to cover losses caused to us by your breach of these terms or your unlawful use of the platform.

We may update these terms as the service, the market or the law evolves. Material changes are announced in the app and on this page at least seven days before they take effect. Starting a trade after a change takes effect means you accept the updated terms; trades opened before the change complete under the terms they were opened with.

These terms are governed by the laws applicable to Hpcarding’s place of business, and disputes will be handled first through our support and complaints process, which aims to resolve everything without lawyers.

Questions about these terms go to info@hpcarding.com or through live chat, where a human answers in about two minutes during support hours.