Shop thousands of U.S. retailers from anywhere in the world using our Virtual Payment Cards

Effective: June 1, 2025

These Terms of Service (“Terms”) govern your access to and use of the US Unlocked services provided by Tern Commerce Inc., doing business as US Unlocked (“USU”, “we”, “our”, or “us”). By using any part of the US Unlocked platform, you agree to be bound by these Terms and our Privacy Policy.

1. Eligibility

US Unlocked is intended for non-U.S. residents only. You must be at least 18 years old and legally capable of entering into a binding agreement in your jurisdiction.

We do not support users located in countries subject to U.S. trade restrictions, including but not limited to Russia, Belarus, North Korea, Iran, or Syria.

2. Account Registration & Identity Verification

To use US Unlocked, you must:

Verification requires:

3. Subscription & Pricing

US Unlocked is a subscription-based service. You may choose:

PlanPrice
Monthly$4.95/month
Annual$39.95/year (Save 33%)

Included in your subscription:

Additional Fees:

4. Card Types

We issue three types of virtual cards, each with a U.S. billing address:

Users receive 10 Everyday Spend Cards to mix and manage as needed. Additional cards are available for purchase.

5. Loading Funds

To shop using US Unlocked, you must first load your U.S. dollar balance. Supported methods:

Load MethodFee
Cryptocurrency / Stablecoins2%
EU Bank Transfer (SEPA)$0.70 + 4.5%
Apple Pay / Google Pay / Credit Card$1.00 + 5%

We do not currently accept PayPal, ACH, or bank wires.

You are responsible for ensuring that funds originate from a valid, authorized source. Suspicious or high-risk transactions may be delayed or rejected.

6. Prohibited Activities

You agree not to use US Unlocked to purchase or engage in the following:

Violating this section may result in permanent account suspension.

7. Shipping & Freight Forwarding

US Unlocked provides access to U.S. merchants, but does not offer direct shipping outside the United States.

You are responsible for:

8. Refunds & Disputes

Loaded funds are non-refundable, except as required by law. If a card is charged in error or a merchant fails to deliver:

9. Account Suspension or Termination

We reserve the right to suspend, restrict, or terminate your account without notice if:

10. Limitation of Liability

USU is not liable for any indirect, incidental, special, or consequential damages arising out of your use of the service. You agree to use US Unlocked “as-is,” with no warranty beyond what is required by law.

11. Governing Law & Dispute Resolution

These Terms are governed by the laws of the State of Delaware.

All disputes will be resolved through binding arbitration administered by [Insert Arbitration Body], and not in a court of law. You waive any right to participate in class-action proceedings.

12. Modifications to These Terms

We may update these Terms from time to time. If changes are material, we will notify you via email or in-app alerts. Continued use of the service after changes take effect constitutes acceptance.

13. Contact Us

If you have questions about these Terms, contact us at:

[email protected]

Tern Commerce Inc.
33 Vesey St
New York, NY 10282

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