Last updated: March 7th, 2025

This Tuyo Cardholder Agreement (the “Card Terms”) are a binding agreement between you (“you”, or “your”), Tuyo Inc., and Issuer, including its affiliates, successors, and assigns (“Issuer,” “we”, “us”, or “our”) that govern your use of the Tuyo Cards, including the process for obtaining and managing Tuyo Cards, access to which is provided to you by Tuyo Inc. (“Tuyo”).

Important Disclosures

Rates, fees, and other important information about your Tuyo Card (“Card”) are set forth in these Important Disclosures.

Effective as of March 7th, 2025

Your Tuyo Card currently has 0% interest on all purchases. Issuer and Tuyo reserve the right to implement interest in the future for new purchases. Tuyo will disclose any changes to this agreement prior to the introduction of interest and other charges associated with your Tuyo Card.

Fees

Transaction Fee

• Foreign Purchases
  • Foreign Exchange Fee (non-USD): up to 3%
  • Cross Border Fee: up to 3%

Penalty Fees

• Late payment: None
• Returned payment: None

WHEN YOU APPLY FOR A CARD ACCOUNT, ACTIVATE A CARD, OR OTHERWISE PARTICIPATE IN THE PROGRAM IN ANY WAY, YOU REPRESENT THAT YOU HAVE READ, UNDERSTAND, AND AGREE TO THESE ISSUING TERMS.

Terms

Background

The Tuyo Card is provided to you on behalf of Tuyo in connection with your status as a Tuyo customer and pursuant to your separate Terms of Service between you and Tuyo (the “User Terms”). The Issuer is not a party to the Tuyo User Terms and disclaims any liability for the performance of services covered therein.