Terms of Service

These Terms of Service (the “Terms”) form an agreement between you and OCEAN WAVE FINTECH PTY LTD (“we”, “us”, “our”), a company with its registered business address at 7500A Beach Road, #04-307 The Plaza, Singapore 199591. MEXC Card is the programme name under which we market the corporate card and spend management services described on this website; brand marks used in the programme name remain the property of their respective owners.

The Terms apply to the following, together the “Services”:

• your access to and use of mexccard.com and the informational content published on it;
• the online enquiry and application process, including the information you submit to us for assessment;
• onboarding, card issuance and account servicing carried out together with our issuing bank partner where your application is approved;
• the spend control, expense record and reporting features made available to approved programme participants;
• our customer support channels, including email correspondence and the contact forms on this website.

Cards issued in the programme operate on the Visa® payment network. Card usage, balances, statements, disputes and chargebacks are additionally governed by the cardholder agreement and any programme schedules you receive from the issuing bank partner during onboarding. Where those documents conflict with these Terms on a matter of card issuance or card usage, those documents prevail for that matter, and these Terms continue to apply to everything else.

Nothing on this website is an offer of credit, an offer to contract, or financial, legal, accounting or tax advice. Features described on this website may not all be available in every region or under every programme configuration.

Cards are issued by our issuing bank partner pursuant to a license from Visa International. Any references to payment networks are for informational purposes only and do not imply endorsement. Visa is a registered trademark of Visa International Service Association.

The Services are offered to businesses and to the individuals authorised to act for them. To apply, the individual submitting the application must be at least 18 years old, have the legal capacity to enter into a binding agreement, and be authorised to bind the applicant business.

Business type. We accept applications from incorporated companies, limited liability partnerships, partnerships and registered sole proprietorships that are lawfully constituted and in good standing in their place of registration. Applicants are asked to provide registration documents, ownership and control information, details of beneficial owners, and evidence of the authority of the person signing on the business’s behalf. Applications from businesses whose activity falls within the list in Section 5 are not accepted.

Jurisdiction. Availability varies by region and by programme partner, and the Services are not offered where their provision would breach applicable law. Applicants, their beneficial owners and their authorised representatives are screened against applicable sanctions and restricted-party lists, and we do not onboard persons or businesses that are subject to those measures or that are established in a comprehensively sanctioned territory. You are responsible for confirming that your use of the Services is permitted under the law that applies to you.

Review and approval. Applications are subject to eligibility requirements, review and approval. We assess each application on its merits and may request further information, decline an application, or withdraw an approval before activation. Where we are permitted to explain a decision we will do so; in some cases legal or regulatory constraints prevent us from giving reasons.

All applicants are subject to identity verification in accordance with applicable anti-money laundering and know-your-customer regulations.

Accurate information. You agree that the information you give us during application and throughout the relationship is true, current and complete, and that you will tell us without undue delay if it changes — for example a change of registered address, authorised representative, ownership, control or business activity. We carry out periodic reviews of customer information, and you agree to cooperate with reasonable requests to refresh documentation.

Credentials and access. You are responsible for keeping login credentials, verification codes and any authentication method confidential, for using the additional authentication options we make available, and for the actions taken through your account. Notify us at support@mexccard.com as soon as you suspect a credential has been exposed, a card has been lost, or a transaction was not authorised by you. Prompt reporting matters: your rights in relation to unauthorised transactions and the applicable reporting windows are set out in the cardholder agreement and in the payment network rules.

Authorised users. Where the programme allows you to nominate employees or contractors as cardholders, you remain responsible for their use of the Services, for setting appropriate internal spend policies and limits, for removing access when a person leaves your organisation, and for making sure each authorised user is informed of the terms and privacy practices that apply to them.

Records and monitoring. You agree to use the Services for lawful business purposes, to review statements and transaction records made available to you, and to raise discrepancies with us within the timeframe stated in the cardholder agreement. You also agree not to interfere with the security of this website, not to attempt to access accounts or data that are not yours, and not to use automated means to extract content from the website beyond ordinary search engine indexing.

Fees may apply depending on product, region and program terms. Applicable fees are disclosed before you confirm an action or transaction. We do not publish programme pricing on this page because amounts depend on the product, the region and the programme terms agreed with you. The fee schedule that applies to your account is provided to you in writing as part of the application and onboarding documentation, and you are asked to confirm it before your account is activated.

Depending on the product and region, the fee schedule may include charges of the following kinds:

• card issuance, and replacement of a lost, stolen or damaged card;
• periodic account servicing, charged monthly or annually as stated in your schedule;
• currency conversion, where a transaction is presented in a currency other than your account currency, expressed as a percentage applied to the converted amount;
• cash withdrawal at an automated teller machine, where the programme supports it;
• account inactivity, and administrative charges for services such as document copies or expedited card delivery.

Every amount in your fee schedule states the currency it is expressed in and whether it is charged per item, per transaction, per month or per year, and whether taxes are included. Third parties may impose their own charges that we do not set and do not receive — for example an operator surcharge at an automated teller machine, or a surcharge applied by a merchant. Exchange reference rates used for conversion are those applied by the payment network on the date the transaction is processed.

Changes to fees are notified in advance in the manner and within the notice period set out in your cardholder agreement. If you would like a copy of the current schedule for a product before applying, request it through our contact page; common pricing questions are also answered in our FAQ.

You agree not to use the Services, and not to permit any authorised user to use the Services, for any of the following:

• activity that breaches applicable law, regulation, payment network rules or the requirements of our issuing bank partner;
• money laundering, terrorist financing, sanctions evasion, tax evasion, bribery or the handling of proceeds of unlawful activity;
• fraud or misrepresentation, including submitting false, altered or borrowed identity or business documents, or applying on behalf of a business you are not authorised to represent;
• allowing a person who is not an authorised user to use a card or an account, or selling, renting or transferring access to your account;
• arranging transactions that have no genuine commercial purpose, including transfers designed to move funds between related accounts, to disguise the source of funds, or to obtain a rebate or incentive that would not otherwise be due;
• gambling, betting or lottery activity where it is not lawfully licensed and permitted for the participants and the jurisdictions involved;
• adult services and content, weapons and munitions, controlled substances, counterfeit or infringing goods, endangered species products, and other categories restricted under the programme documentation;
• pyramid, chain-referral and multi-level marketing schemes, advance-fee arrangements, and investment schemes promising returns that are not supported by a licensed offering;
• providing regulated financial or payment services to third parties using our Services without holding the licences required to do so;
• attempting to probe, scan, disable or circumvent the security of this website or our systems, introducing malicious code, reverse engineering any part of the Services, or using scraping or automated collection tools against the website;
• infringing our intellectual property or that of any third party, or using our brand or programme names in a way that suggests an association or endorsement that does not exist.

Where we suspect, on reasonable grounds, that a prohibited activity has occurred, we and our partners may decline or reverse a transaction, suspend or restrict an account, require further information, terminate the relationship under Section 9, and make a report to a regulator or law enforcement authority. Legal and regulatory constraints may prevent us from telling you that a report has been made.

The content of this website — including text, layout, graphics, illustrations, interface design, source code and the selection and arrangement of the material — is owned by OCEAN WAVE FINTECH PTY LTD or licensed to us, and is protected by copyright and other intellectual property laws. The MEXC Card programme name and associated brand marks are used under the arrangements agreed with their respective owners and remain the property of those owners.

We grant you a limited, revocable, non-exclusive and non-transferable permission to view this website and to download or print reasonable extracts for the internal purpose of evaluating or administering the Services. That permission does not include the right to republish, redistribute, frame, sell, or create derivative works from the material, to remove proprietary notices, or to use our name, logo or programme marks in advertising, product names or domain names without our prior written consent.

Trademarks and service marks belonging to third parties that appear on this website are referred to in plain text for identification purposes only. References to a payment network are informational and do not imply that the network sponsors, endorses or is affiliated with the programme.

If you send us feedback, suggestions or ideas about the Services, you grant us a non-exclusive, royalty-free, worldwide licence to use them to operate and improve the Services, without obligation of confidentiality or compensation, unless we have agreed otherwise in writing. If you believe material on this website infringes your rights, write to support@mexccard.com with details of the material and the basis of your claim, and we will review it.

Visa is a registered trademark of Visa International Service Association.

This website and its informational content are provided on an “as is” and “as available” basis. We take care to keep the content accurate and current, but we do not warrant that the website will be uninterrupted or free from error, that defects will be corrected, or that the content is complete for your particular circumstances. Product descriptions are summaries; the contractual documentation you receive during onboarding governs your rights.

To the fullest extent permitted by applicable law, we are not liable for indirect, incidental, special, consequential or punitive loss, or for loss of profit, revenue, anticipated savings, business opportunity, goodwill or data, however arising and whether or not we were advised of the possibility of that loss. We are also not liable for loss caused by events outside our reasonable control, including the failure of a third-party network, a merchant’s refusal to accept a card, or action taken by a regulator, court or issuing partner.

Subject to the paragraph below, our total aggregate liability arising out of or in connection with these Terms, whether in contract, tort (including negligence), breach of statutory duty or otherwise, is limited to the greater of (a) the total fees you paid to us for the Service giving rise to the claim during the twelve months immediately before the event that caused the loss, and (b) SGD 100.

Nothing in these Terms excludes or limits liability that cannot be excluded or limited under applicable law, including liability for fraud or fraudulent misrepresentation, for death or personal injury caused by negligence, and any statutory rights or protections you have that cannot lawfully be waived. You agree to indemnify us against reasonable losses, costs and expenses we incur as a result of your breach of Section 5 or of your negligent or unlawful use of the Services, except to the extent the loss results from our own breach or negligence.

We would like the chance to resolve a concern before it becomes a formal dispute, and we ask you to follow the steps below in order.

• Step 1 — Raise it with support. Write to support@mexccard.com or use our contact page, describing the issue, the account or card reference, the relevant dates and amounts, and the outcome you are seeking. We acknowledge complaints and aim to respond within 2 business days.
• Step 2 — Internal review. If the response does not resolve the matter, ask for the case to be escalated. A reviewer who was not involved in the original handling will look at the file and we aim to issue a written outcome within 30 calendar days of escalation, telling you where that is not possible and why.
• Step 3 — Card transaction disputes. A dispute about a specific card transaction — for example goods not received, an incorrect amount, or a transaction you did not authorise — is handled under the dispute and chargeback process set out in your cardholder agreement and under the applicable payment network rules. Those processes have their own evidence requirements and time limits, so raise the transaction as soon as you notice it.
• Step 4 — Mediation, then court. If a dispute remains unresolved, the parties agree to attempt settlement in good faith and, where both parties agree, to refer the dispute to mediation administered by the Singapore Mediation Centre before commencing proceedings. Where mediation does not resolve the dispute, or a party does not agree to it, the dispute is decided by the courts identified in Section 10.

Each party bears its own costs of the steps above unless a mediator or court decides otherwise. Nothing in this Section prevents either party from seeking urgent injunctive relief, or prevents you from bringing a complaint to a regulator or other body that has jurisdiction over the matter.

Closure by you. You may stop using this website at any time. To close a programme account, send a written request from an authorised representative to support@mexccard.com. Closure takes effect once outstanding transactions have settled, any balance owed has been paid, and pending disputes have been concluded. Cards linked to the account are cancelled on closure and cannot be reinstated.

Suspension or closure by us. We or our issuing bank partner may suspend access, restrict functionality, or terminate the relationship where: you materially breach these Terms or the cardholder agreement; requested due diligence information is not provided or cannot be verified; we reasonably suspect activity described in Section 5; a legal, regulatory or partner requirement obliges us to act; or a product or the programme is discontinued. Where we are able to give notice we will give reasonable notice and, where possible, an opportunity to remedy the issue; where the risk is immediate or the law requires it, action may be taken without prior notice.

Effect of closure. On termination your right to use the Services ends, and you remain responsible for transactions and fees incurred before closure. Provisions that by their nature should survive continue to apply, including Sections 5 to 10. We retain records for the periods required by applicable law and by our record-keeping obligations, as described in our Privacy Policy. Closure of an account does not affect rights or obligations that accrued before it took effect.

These Terms, and any dispute or claim arising out of or in connection with them or their subject matter (including non-contractual disputes or claims), are governed by and construed in accordance with the laws of the Republic of Singapore, without regard to conflict of law principles that would apply the law of another jurisdiction.

Subject to the dispute resolution steps in Section 8, the courts of Singapore have exclusive jurisdiction to settle any dispute or claim arising out of or in connection with these Terms. OCEAN WAVE FINTECH PTY LTD conducts the programme from its business address at 7500A Beach Road, #04-307 The Plaza, Singapore 199591.

If you access the Services from outside Singapore, you do so on your own initiative and are responsible for compliance with local law, including any restriction on the products described here. This Section does not deprive you of the protection of any mandatory consumer or data protection law of your place of residence that cannot be excluded by agreement, and does not limit the rights of a regulator with jurisdiction over the programme.

If a provision of these Terms is held to be invalid or unenforceable, it is to be read down to the minimum extent necessary, or severed if it cannot be read down, and the remaining provisions continue in force. A delay or failure by either party in exercising a right does not operate as a waiver of that right.

We may update these Terms to reflect changes to the Services, to our partners or operating processes, or to legal and regulatory requirements. The version published on this page is the version in force, and the effective date shown at the top of the page tells you when it began to apply.

Where a change materially affects your rights or obligations, we aim to give at least 30 calendar days’ notice before it takes effect, by posting a notice on this website and, for programme participants, by email to the address on file. Where a change is administrative — for example a correction, a clarification, a change of contact details, or an update required to comply with the law by a fixed date — it may take effect when it is published.

Continuing to use the Services after a change takes effect indicates your acceptance of the revised Terms. If you do not accept a change, stop using the Services and, if you hold a programme account, close it under Section 9 before the change takes effect. Amendments to card terms, fees and account conditions issued by our issuing bank partner are notified under the change process set out in the cardholder agreement, which may differ from this Section.

We do not amend these Terms retrospectively. If you would like a copy of an earlier version, request it at support@mexccard.com.

These Terms take effect on 1 September 2026 and replace any earlier version published on this website. They remain in force until replaced by a later version published under Section 11.

OCEAN WAVE FINTECH PTY LTD
7500A Beach Road, #04-307 The Plaza, Singapore 199591
General and support enquiries: support@mexccard.com
Privacy and data protection enquiries: privacy@mexccard.com
We aim to respond to written enquiries within 2 business days.

You can also reach us through our contact page, and many questions about eligibility, fees and card usage are answered in our FAQ. These Terms should be read together with our Privacy Policy and our Cookie Policy.

Products and services are subject to eligibility, availability, and applicable fees. Availability and features may vary by region and program partners. Applications are subject to eligibility requirements, review and approval. Fees may apply depending on product, region and program terms. Applicable fees are disclosed before you confirm an action or transaction.