VALUT.NET User Agreement
1. General provisions
1.1 This User Agreement is concluded between the user and Vltala Flow s.r.o., Vlkova 532/8, Žižkov, 130 00, Prague 3, Czech Republic, the owner of the VALUT.NET website. By using the website, you agree to the terms and conditions of this agreement.
1.2 The purpose of the VALUT.NET website is to provide users with services for issuance and maintenance of virtual foreign cards.

2. Registration and account
2.1 To use the service, you must create an account on the VALUT.NET website by providing accurate and complete information. You are responsible for the confidentiality of your account and password, as well as for all activities that take place under your account.

3. Use of the Service
3.1 You may only use the service for lawful purposes in accordance with the terms of this agreement.
3.2 You may not use the service for:
— Violating federal, state, local or international laws and regulations.
— Exploiting, harming, or attempting to harm minors.
— Sending advertisements, including "spam".
— Impersonating another person or organization.
— Any other action that restricts the use of the service by other users.

4. Payment for Services
4.1 We may charge you a fee for using the service. You agree to pay all fees associated with the use of the service.
5. Intellectual Property
5.1 All content, including text, graphics, logos, images and software, is our property or the property of our licensors. You agree not to reproduce, modify, distribute or use the content without our written consent.

6. Disclaimer of Warranties
6.1 The Service is provided as is. We make no warranties, express or implied, as to the operation of the service or the information, content, materials or products included on the service. You agree to use the service as it is presented at any particular time.

7. Limitation of Liability
7.1 We will not be liable for any damages arising from the use of the service, including direct, indirect, incidental or punitive damages.

8. Termination
8.1 We may terminate or suspend your account and access to the service at any time, without notice and for any reason.

9. Applicable Law
9.1 These Terms shall be governed by and construed in accordance with the laws of the Czech Republic without regard to conflict of laws principles.