Important information regarding the issuance and use of our payment cards across different jurisdictions.
This Cross-Border Card Issuance Disclaimer ("Disclaimer") provides important information regarding the issuance and use of payment cards by Neo Blockchain Bank and its associated entities across different jurisdictions. By applying for, receiving, or using our card products, you acknowledge that you have read, understood, and accepted the terms outlined in this Disclaimer.
Important Notice: Our card products are issued in Hong Kong and may be subject to different regulatory frameworks than those in your country of residence. Please read this disclaimer carefully before using our services.
The VISA Platinum bank cards associated with Neo Blockchain Bank accounts are issued in Hong Kong by our card issuing partner, Reap Technologies Limited. This is determined by the Bank Identification Number (BIN), which is linked to the country where the card is registered.
Although your card is issued in Hong Kong, you can use it globally, anywhere VISA is accepted, subject to the terms and conditions of use and any applicable local regulations.
Users are responsible for ensuring that their use of our card products complies with all applicable laws and regulations in their country of residence. This includes, but is not limited to:
When using your card for transactions in currencies other than the card's base currency, currency conversion will apply. Exchange rates are determined at the time of transaction settlement and may include applicable fees. Users should be aware of potential exchange rate fluctuations and associated costs.
Cross-border transactions may be subject to additional fees, including but not limited to:
Our card products and services are not available in all jurisdictions. We maintain lists of prohibited and restricted jurisdictions based on regulatory requirements, sanctions, and operational considerations.
Prohibited Jurisdictions: Users from certain countries or territories may be prohibited from applying for or using our card products due to international sanctions, regulatory restrictions, or other compliance requirements. Please refer to our General Disclaimer for a list of restricted regions.
We reserve the right to modify the list of prohibited jurisdictions at any time without prior notice, in response to changes in regulatory requirements or other factors.
As our cards are issued in Hong Kong, the consumer protection regulations applicable to our card products are primarily those of Hong Kong. Users should be aware that:
Your personal data may be processed and stored in jurisdictions outside your country of residence, including Hong Kong and other locations where our service providers operate. We implement appropriate safeguards to protect your data in accordance with applicable data protection laws. Please refer to our Privacy Policy for more information.
Users are solely responsible for determining and fulfilling any tax obligations arising from the use of our card products, including but not limited to:
We recommend consulting with a qualified tax professional regarding your specific tax obligations.
To the maximum extent permitted by applicable law, Neo Blockchain Bank and its associated entities shall not be liable for any losses, damages, or expenses arising from:
We reserve the right to modify this Disclaimer at any time. Changes will be effective upon posting to our website. Your continued use of our card products after any changes constitutes your acceptance of the modified Disclaimer.
This Disclaimer and any disputes arising from or related to the cross-border issuance and use of our card products shall be governed by and construed in accordance with the laws of Hong Kong, without regard to its conflict of law provisions.