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:
- Create an account
- Provide accurate personal information
- Successfully complete identity verification (KYC)
Verification requires:
- A government-issued photo ID
- Proof of address (utility bill, bank statement, etc.)
- Additional documentation as needed to satisfy our compliance partner
3. Subscription & Pricing
US Unlocked is a subscription-based service. You may choose:
| Plan | Price |
|---|---|
| Monthly | $4.95/month |
| Annual | $39.95/year (Save 33%) |
Included in your subscription:
- Access to your US wallet
- 10 reusable Everyday Spend Visa Cards
- Real-time card issuance and transaction history
- No transaction fees when spending
Additional Fees:
- $2 per additional Everyday Spend Card beyond 10
- $2 per One-Time Use Card
4. Card Types
We issue three types of virtual cards, each with a U.S. billing address:
- US Unlocked Card Open-to-buy – works at most U.S. online merchants
- Store Locked Card Locks to the first approved merchant – ideal for recurring payments
- One-Time Use Card Deletes after a single successful transaction – best for high-risk or one-off use cases
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 Method | Fee |
|---|---|
| Cryptocurrency / Stablecoins | 2% |
| 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:
- Illegal goods or services
- Weapons, ammunition, or tactical gear
- Prescription or controlled substances
- Online gambling or betting
- Money transfer services or remittance tools
- Adult services or escort listings
- Cryptocurrency purchases or exchange-related activities
- Any activity deemed high-risk by card networks or regulators
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:
- Connecting to a freight forwarder
- Providing a valid U.S. shipping address
- Ensuring your chosen forwarder complies with customs and import regulations
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:
- You must contact the merchant directly to resolve the issue
- USU does not act as a party in disputes between you and merchants
- Fraudulent or abusive chargeback activity will result in account termination
9. Account Suspension or Termination
We reserve the right to suspend, restrict, or terminate your account without notice if:
- You violate these Terms or applicable laws
- We detect fraud or suspicious activity
- You misuse the platform for restricted services or third-party reselling
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:
Tern Commerce Inc.
33 Vesey St
New York, NY 10282
