Terms of Service
By accessing and using Guardian Wallet, you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to these terms, please do not use our service.
Guardian Wallet provides a service that allows users to manage their subscription services through virtual credit cards. We are not responsible for the content or availability of external sites linked to from our service.
You must register to use our service. You agree to provide accurate and complete information and to keep this information up to date. You are responsible for maintaining the confidentiality of your account and password.
Users agree to pay all fees associated with their account. We reserve the right to change our fees at any time with reasonable notice. All payments are non-refundable except as required by law.
Virtual credit cards provided by Guardian Wallet are for subscription management purposes only. Users are responsible for ensuring sufficient funds are available in their accounts to cover subscription charges.
You agree not to:
Guardian Wallet shall not be liable for any indirect, incidental, special, consequential or punitive damages resulting from your access to or use of or inability to access or use the service. Our liability is limited to the amount you have paid for the service in the past six months.
We may terminate or suspend your account and bar access to the service immediately, without prior notice or liability, under our sole discretion, for any reason whatsoever.
We reserve the right, at our sole discretion, to modify or replace these Terms of Service. It is your responsibility to check these Terms periodically for changes. Your continued use of the service following the posting of changes will mean that you accept and agree to the changes.
Guardian Wallet processes identity, contact, subscription, payment, KYC, session, device, and security-risk information to provide wallet funding, virtual card issuance, subscription controls, fraud prevention, support, and legal compliance. We collect only the fields required for those purposes and separate sensitive payment and identity verification processing through specialized providers such as Stripe, Lithic, Clerk, and Sumsub.
Privacy risks include unauthorized account access, over-collection of identity data, inappropriate retention of financial records, and suspicious session activity. Our mitigations include Clerk-managed authentication, server-side authorization checks, encrypted third-party payment and KYC processors, limited disclosure to service providers, session revocation for significant IP location jumps, access logging, and retention limits aligned to operational, tax, dispute, and compliance needs.
Users may request access, correction, export, or deletion of their personal information where permitted by law. We will update this summary when material product, vendor, or data-use changes alter the privacy risk profile of Guardian Wallet.
If you have any questions about these Terms, please contact us at:
Email: support@guardianwallet.ca
Address: Guardian Wallet, 123 Fintech Avenue, Toronto, ON, Canada