Terms and Conditions

Effective Date: September 16th, 2024

These Terms and Conditions govern your use of Novacrust services, a product of Prosharbiz LLC, incorporated in Delaware. By accessing or using Novacrust, you agree to comply with these terms. Please read them carefully.

1. Definitions

Novacrust refers to the cross-border payment platform operated by Prosharbiz LLC.User or You refers to anyone using Novacrust services.Services includes creating, funding, and using Novacrust virtual cards.

2. Eligibility

You must be at least 18 years old or the age of majority in your jurisdiction to use our services. By registering, you represent that all information provided is accurate and truthful.

3. Account Creation and Security

Users must create an account to access Novacrust services. You are responsible for maintaining the confidentiality of your login credentials and for all activities under your account. Notify us immediately if you suspect unauthorized access to your account.

4. Use of Services

Permitted Use: Novacrust is for lawful purposes only. You agree not to use our services for fraudulent, illegal, or unauthorized transactions. Card Restrictions: Novacrust virtual cards cannot be used for cash withdrawals or at physical points of sale.

5. Fees and Charges

Novacrust charges fees for card issuance, funding, and certain transactions. Fees are displayed clearly at the time of use. All payments and charges are final and non-refundable, except wallet balances as specified in the Refund Policy.

6. Funding and Transactions

Users may fund their virtual cards in local currency, subject to conversion to USD. Transactions are processed based on available card balance. Users are responsible for ensuring sufficient funds before initiating payments..

7. Refunds and Disputes

Only wallet balances are refundable as per our Refund Policy.
Users must report disputes regarding transactions within 30 days of the transaction date.

8. Intellectual Property

All content, trademarks, and intellectual property associated with Novacrust are owned by Prosharbiz LLC. Unauthorized use, reproduction, or distribution of any content is prohibited.

9. Limitation of Liability

Prosharbiz LLC is not liable for:

• Losses arising from unauthorized account access due to user negligence.
• Failures or delays in processing transactions caused by third-party providers.
• Indirect, incidental, or consequential damages.

10. Privacy

Your use of Novacrust is subject to our Privacy Policy, which outlines how we collect, use, and protect your personal information.

11. Termination

We reserve the right to suspend or terminate your account for:

• Breach of these terms.
• Engaging in fraudulent or unlawful activities.
• At our sole discretion, with prior notice where applicable.

12. Modifications to Terms

We may update these Terms and Conditions periodically. Continued use of Novacrust after changes signifies your acceptance of the revised terms.

13. Governing Law

These Terms are governed by the laws of the State of Delaware, without regard to its conflict of laws principles.

14. Contact Us

For questions or concerns about these Terms and Conditions, please contact:

Prosharbiz LLC

651 N Broad St, Suite 206 Middletown, Delaware 19709

Email: [email protected]

By using Novacrust, you confirm that you have read, understood, and agreed to these Terms and Conditions.