Terms of Service and Use

spendcrypto.io is a retail platform that specializes in offering a wide variety of gift cards and other products, with the feature of accepting cryptocurrency as a form of payment. Our platform operates in a straightforward retail format, allowing users to browse and select products, much like any other online shopping experience. Instead of a traditional currency, customers can conveniently use their cryptocurrency to make purchases.

When a user decides to buy a product, the payment process involves a direct cryptocurrency transaction. Customers will transfer the specified cryptocurrency amount from their personal digital wallets to spendcrypto.io’s designated cryptocurrency address. This transaction process is designed to be secure and efficient, ensuring a seamless shopping experience for users who prefer to use digital currencies.

At spendcrypto.io, we are committed to providing a smooth and secure shopping experience. Although we do not manage internal cryptocurrency wallets, we assist our customers in every step of their purchase journey. In case of any disputes or transaction-related issues, spendcrypto.io offers dedicated support to resolve these matters promptly and fairly.

This Terms of Service and Use (“Agreement”) forms a binding legal agreement between TechHouse Limited (“spendcrypto.io,” “SpendCrypto,” “us,” “our,” or “we”) and you, the user (“you” or “your”). Your use of spendcrypto.io’s services is governed by this Agreement, along with our Privacy Policy. We strongly advise you to carefully read through this Agreement and the Privacy Policy to fully understand the terms and conditions that govern your use of our services and platform.

Acceptance and Change of Terms

By signing up for an account on SpendCrypto you accept both the Terms of Service and Use, and the Privacy Policy. By accepting this Agreement or by using the Service, you expressly acknowledge and agree that you are entering into a legal agreement with SpendCrypto, and have understood and agree to comply with, and be legally bound by, this Agreement.

We reserve the right, at our sole discretion, to update, change or replace any part of these Terms of Service and Use by posting updates and changes to our website. If there is a change which has a material adverse impact on you, we will notify you by emailing you and providing 30 days notice. If you do not agree to the changes, you can terminate this agreement by discontinuing to use the services.

It is your responsibility to check our website periodically for changes. Your continued use of or access to our website or the services following the posting of any changes to these Terms of Service and Use constitutes acceptance of those changes.

For changes to these Terms of Service and Use that will significantly affect your rights and obligations we will strive to notify you before the changes take effect. You can terminate this Agreement at any time by concluding any outstanding purchases and other obligations, and deleting your account.

Registration and User Account

To use our services, or to access this site or some of the resources it has to offer, you may be asked to provide registration details in order to register a user account (“User Account” or “account”). It is a condition of use of this site and our services that all the details you provide are correct, current, and complete. If we believe the details are not correct, current, or complete, we have the right to refuse you access to the site, or any of its resources, and to terminate or suspend your account.

You must be at least 16 years old to sign up for a spendcrypto.io account. If you sign up for an account, you warrant that you are at least 16 years old. You may only use your own account at spendcrypto.io and you may only have one account registered. You may only act on your own behalf. You may not use your account to act as an intermediary or broker for any entity or person. You are not allowed to borrow, sell, share or otherwise make available your account or any details necessary to access your account to other people or entities.

You are responsible for maintaining adequate security and control of any and all usernames, passwords, two-factor authentication codes or any other codes or credentials that you use to access the services.

Your account must not contain misleading or fraudulent information, including, but not limited to having a non-personal phone number. Creating fake reputation information for your account, faking your country of origin or providing fraudulent identification documents is prohibited.

Identity Verification

Purpose of Identity Verification

spendcrypto.io is committed to maintaining a secure and trustworthy platform. To achieve this, we conduct identity verification to prevent illicit activities and comply with legal requirements. This process is essential in ensuring the integrity of transactions and safeguarding our users.

Trigger for Verification Requests

Identity verification may be requested in the following circumstances:

Signs of Illicit Activity: If we detect any activity on your account that raises suspicion of illegal or unauthorized actions, such as money laundering, fraud, or financing of prohibited activities.

Exceeding Purchase Limits: When your transactions exceed certain predetermined limits set by spendcrypto.io, which are in place to ensure secure and regulated operations.

Verification Process

The verification process will involve the following steps:

  1. Request for Information: You will be asked to provide personal information, including but not limited to, your full legal name, date of birth, and residential address.

  2. Submission of Documents: You will need to submit documents that verify your identity. Acceptable documents include government-issued photo ID, proof of residence, and potentially additional documentation depending on the case.

  3. Review and Confirmation: Our team will review the submitted documents. You will be notified once the verification process is complete. This process may take several days, depending on the volume of verifications being handled.

User Cooperation

Your cooperation in this process is crucial. Failing to comply with identity verification requests may result in limitations or suspension of your account.


All information and documents provided during the identity verification process will be handled with strict confidentiality. This information will only be used for compliance with legal requirements and for the purpose of maintaining the security and integrity of spendcrypto.io.

Ongoing Verification

We reserve the right to request additional verification at any time to ensure ongoing compliance with legal standards and our internal policies. This may include re-verification in certain circumstances or when additional information is needed.

This identity verification policy is a fundamental part of our commitment to offering a secure platform for all users and is essential for the fulfillment of our legal and regulatory obligations. Your understanding and cooperation are greatly appreciated.

Limitation, Suspension, and Termination of Your User Account

Occasionally situations arise where we may need to limit, suspend, or terminate your account. Account limitation (“limit”, “limitation”) results in a temporary or permanent loss of access to a certain specific part or parts of the services we offer. Account suspension (“suspension”, “block”, “ban”) results in a temporary loss of access to most parts of the services we offer. Account termination (“termination”, “permanent ban”) results in permanent loss of access to all services we offer as well as termination of this Agreement.

We have the right to, limit, suspend, or terminate your account or access to the services that we provide to you if:

  • we have a reason to believe that you have acted in violation of these Terms of Service and Use or applicable laws or regulations or if we have a reason to believe that any content or material submitted or shared by you in or through the services violates these Terms of Service and Use or applicable laws or regulations or third party rights;

  • we suspect that you use the services to engage in, attempt to engage in, or in connection with fraudulent activity, money laundering, terrorist financing or other financial crime;

  • we have reason to believe that you have supplied false, misleading or deceptive information in connection with your registration, identity verification, trades or any other use of our services, either to us or to another user;

  • we are required to do so under any applicable law, regulation or an order issued by an authority;

  • make available content or behave in a way that libels, defames, invades privacy, stalks, is obscene, pornographic, racist, abusive, harassing, threatening or is offensive;

  • if you use the services in a manner which may cause the services to be interrupted or damaged or such a way that the functionality of the services is in any way impaired or attempt to bypass or break any security mechanism of the services or if SpendCrypto believes in good faith that such action is reasonably necessary to protect the security of its services or its property or brand or the security, property and rights of its users or those of third parties;

  • attempt any unauthorized access to user accounts or any part or component of the service.

We will normally give you a notice of any limitation, suspension, or termination of your account but we may, if it is reasonable to do so (for example we consider it advisable for security reasons), limit, suspend or terminate your account without prior notice to you.

You acknowledge that our decision to limit, suspend, or terminate your account, may be based on confidential criteria that are essential to our risk management and security protocols and that we are under no obligation to disclose the details of our risk management and security procedures to you.

In the event that we limit, suspend or terminate your account we will lift the suspension as soon as possible once the reasons for the suspension or termination no longer exist.

Fees and Pricing

The services are provided to you against fees determined on a per transaction and/or per purchase basis in accordance with the prices and pricing principles set out on our website. Such fees may include fees for incoming and outgoing transactions, product margins, and service fees.

Please note that all fees are non-refundable. We encourage you to review the fee structure before completing any transaction on our website. By using our services, you agree to these terms.

Allowed Jurisdictions

To use services provided by SpendCrypto you may need to fulfill certain legal obligations in your country and/or state of residence. By accepting these terms and service you confirm that you have reviewed your local laws and regulations and that you are aware of, and fulfill, any and all such obligations.

Intellectual Property Rights

You acknowledge and agree that all copyrights, trademarks and all other intellectual property rights in and related to this site and our services is exclusively the property of SpendCrypto and our licensors. We grant you a revocable, non-exclusive, non-sublicensable, non-transferable and limited license, subject to the terms of this Agreement, to access and use our site and service, as well as related content, materials and information (collectively, the “Content”) solely for approved purposes as permitted by us from time to time. Any other use of the Content is expressly prohibited and you agree not to copy, transmit, distribute, sell, license, reverse engineer, modify, publish, or participate in the transfer or sale of, create derivative works from, or in any other way exploit any of the Content, in whole or in part.

Disclaimer of Warranties and Limitation of Liability

This site and the services are provided on an “as is” and “as available” basis for your information and use without any representation or endorsement. To the maximum extent permitted by applicable law, we make no warranties of any kind, whether express or implied, in relation to the site or the services, including but not limited to, implied warranties of satisfactory quality, functionality, fitness for a particular purpose, non-infringement, compatibility, security, accuracy, condition or completeness, or any implied warranty arising from course of dealing or usage or trade.

TechHouse Limited LTD or spendcrypto.io is not associated with and does not itself support or claim to be in partnership with any of the payment methods, services or companies which may appear visible in the Online Payment method lists or offer details. Also, services provided by TechHouse Limited or spendcrypto.io are not authorized, approved, endorsed or sponsored by any of the payment methods listed on the website or their respective trademark owners. Payment method listings are visible on spendcrypto.io for informative purposes only.

SpendCrypto is not responsible for any user-generated content on its site including but not limited to messages, feedbacks or offers but may remove or modify said content without notice or liability at any time in its sole discretion.

This site may contain links to other sites on the Internet. These sites may contain information or material that some people may find inappropriate or offensive. These other sites are not under the control of spendcrypto.io, and you acknowledge that (whether or not such sites are affiliated in any way with spendcrypto.io) spendcrypto.io is not responsible for the accuracy, legality, decency, or any other aspect of the content of such sites.

spendcrypto.io reserves the right to modify or discontinue, temporarily or permanently, all or any part of this site and/or any software, facilities and services on this site, with or without notice, and/or to establish general guidelines and limitations on their use.

If and to the maximum extent permitted by applicable law, we will not be liable for:

  • any economic losses (including without limitation loss of revenues, profits, contracts, business or anticipated savings);

  • any loss of goodwill or reputation;

  • any special or indirect or consequential losses, howsoever arising

in any case whether or not such losses were within the contemplation of either of us at the date on which the event giving rise to the loss occurred. Without limitation, you (and not us) assume the entire cost of all necessary servicing, repair or correction or correction in the event of any such loss or damage arising.

Nothing in these Terms of Service and Use shall exclude or limit our liability based on willful conduct or gross negligence. If and to the extent applicable law does not allow the above limitations of warranty and liability, such limitations shall not apply to you.

Notwithstanding any other provision in these Terms of Service and Use, nothing shall limit your rights as a consumer under mandatory provisions of applicable consumer protection legislation.


You agree to be fully responsible for (and fully indemnify us against) all claims, liability, damages, losses, expenses, including legal fees and costs suffered by us and arising out of or related to any breach of this Agreement by you or any other liabilities incurred by us arising out of your use of the services, or use by any other person accessing the services using your user account, device or internet access account; or your violation of any law or rights of any third party.


We may transfer or assign our rights and duties under this Agreement to any party at any time without notice to you, but this will not affect your rights or our obligations under this Agreement. You may not, however, transfer or assign any of your rights and duties under this Agreement to any other party.

This Agreement (as amended from time to time) contains the entire agreement and understanding between us in respect of all matters which are referred to herein and supersedes any prior written or oral agreement between us relating to such matters. No oral explanation or oral information given by either of us shall alter the interpretation of this Agreement. You confirm that, in agreeing to accept this Agreement, you have not relied on any representation that is not expressly included herein and you agree that you shall have no remedy in respect of any misrepresentation which has not become a term of this Agreement. However, nothing in this Agreement purports to exclude liability for any fraudulent statement or act.

If any part of provision this Agreement is deemed unlawful, void or for any reason unenforceable, then that provision shall be deemed to be severable from this Agreement and shall not affect the validity and enforceability of any of the remaining provisions of the Agreement.

Our failure to enforce any right or provision in this Agreement will not constitute a waiver of such right or provision unless acknowledged and agreed to by us in writing. Except as expressly set forth in this Agreement, the exercise by either party of any of its remedies under this Agreement will be without prejudice to its other remedies under this Agreement or otherwise permitted under law.

Governing Law

You agree that this Agreement and any dispute between you and us shall be governed in all respects by the laws of Saint Kitts and Nevis, and you unconditionally submit to the non-exclusive jurisdiction of the courts of Saint Kitts and Nevis.

The services is offered by us from Saint Kitts and Nevis. We make no representations that the services are appropriate or available for use in any specific countries. Users of spendcrypto.io are themselves responsible for making sure they are in compliance with legislation of the jurisdiction they operate and reside in. If your local laws do not permit you to use the services provided by SpendCrypto, you may not access this website.

Tax Compliance

1. User Responsibility for Tax Compliance

You, as a user of spendcrypto.io, are solely responsible for determining what, if any, taxes apply to your cryptocurrency transactions. The ownership, purchase, sale, exchange, or any other transaction involving cryptocurrencies may have tax implications. Since tax regulations vary significantly by jurisdiction, you are responsible for understanding and complying with the tax regulations applicable in your jurisdiction.

2. Reporting and Payment of Taxes

It is your responsibility to report and remit the correct tax to the appropriate tax authority. spendcrypto.io is not responsible for determining whether taxes apply to your cryptocurrency transactions or for collecting, reporting, withholding, or remitting any taxes arising from any cryptocurrency transactions.

3. Documentation

spendcrypto.io does not provide tax advice and does not offer any specific information regarding the tax status of transactions made through our service. However, we will provide transaction history and statements to registered users upon request to assist in tax reporting. These documents may be requested for your personal record-keeping and tax compliance purposes.

4. Cooperation with Tax Authorities

In the event that spendcrypto.io receives a request from a duly authorized tax authority for information relating to your account or transactions processed through our service, we will comply in accordance with our legal obligations. This may involve sharing your transaction history and other relevant information with these authorities.

5. Changes in Tax Law

Tax laws and regulations are subject to change, and new laws or regulations may be enacted. We encourage you to regularly consult with a qualified tax advisor to stay informed about the tax regulations and obligations in your jurisdiction as they relate to your cryptocurrency transactions.

6. Indemnification

By using spendcrypto.io, you agree to indemnify and hold harmless spendcrypto.io, its affiliates, officers, agents, and employees from any claim arising out of your failure to comply with your tax obligations, including but not limited to, your failure to report and remit the appropriate taxes on your cryptocurrency transactions.

This section on Tax Compliance is intended to provide general guidelines and should not be construed as legal, tax, or financial advice. We strongly advise you to consult with a professional tax advisor to understand your personal tax obligations.

Refund Policy


Our refund policy is structured with the understanding that our products, once delivered and unsealed, are non-refundable except in specific circumstances detailed below.

No Cooling-off Period

Please be aware that there is no cooling-off period for unsealed products. Once a product is unsealed, it is considered final sale unless it falls under exceptional circumstances as outlined in this policy.

Eligibility for Refund

Refunds are provided under the following conditions:

Non-receipt of product: If you have not received the product after payment and our efforts to resolve the issue are unsuccessful, you are eligible for a refund.

Invalid or Redeemed product: If the product received is invalid or has been previously redeemed, you qualify for a refund. You must inform us of the issue so we can investigate with our third-party providers. Not including redemption issues on your end, such as account issues with third parties or location-based restrictions.

Technical Errors

In cases of technical errors resulting in the product not being delivered, a full refund will be issued by either providing the items you purchased or through refunding the payment via the same method it was sent.

Overpayment and Underpayment

Overpayment: If you have overpaid, you can request a refund of the excess amount, minus any transaction fees.

Underpayment: You have the option to pay the outstanding amount to receive the product, request a refund in the same cryptocurrency (minus transaction fees), or receive a refund in your account balance.

Account Balance Limits

For balances exceeding our set limits, refunds will be issued post mandatory identity verification. Failure to verify may result in account freezing until verification is completed.

Exceptional Refunds

In certain cases, such as for compliance, we may require additional verification to process refunds.

Refund Request Deadline

To qualify for a refund, you must make your request within 30 days from the transaction date. Requests beyond this period will be considered at our discretion and may be refunded as a credit to your account balance.

Transaction Fees

Please note that transaction fees specific to your chosen payment method are non-refundable.

Right to Refuse Refunds

We reserve the right to refuse refunds if the refund costs exceed the refund amount or for any other valid reason.

Processing Time

The time required to process refund requests can vary.

Additional Information

We may request additional information before processing refunds.

Contact for Refunds

For refunds or more information, please contact our support team at support@spendcrypto.io or use our provided support service.