Terms of Service

1 Acceptance & Eligibility

By accessing silvarstain.com, creating an account, uploading W-2, or initiating RF1_ RF1_XXXXXX or MT1_ MT1_XXXXXX transfers, you agree to these Terms, our Privacy Policy, and all fee disclosures.

• You must be 18+ years old and legally capable of entering binding contracts
• For RF1_ tax refund, you must be a US taxpayer authorized to sign IRS Form 8821
• One account per person — verified via government ID and liveness selfie
• You represent that documents (W-2, 1099, ID) you upload are true, complete, and belong to you
• We may refuse service or close accounts if KYC/AML checks fail

2 Our Services

Silvarstain Financial is a fintech platform that provides:

• RF1_ Tax Refund Processing: Authorized filing assistance via licensed CPA partners, IRS e-file, tracking code RF1_XXXXXX, and auto-credit to your Available Balance
• MT1_ Email Money Transfer: Send USDC to any email address, generates MT1_XXXXXX + verifiable hash, recipient claims in 1 click
• USDC Rails: 1 USDC = $1.00 stablecoin settlement, instant, low fee, 100% withdrawable, 95% cold storage
• Virtual Cards: Disposable and recurring USDC-backed cards for online spending (powered by PCI-compliant issuer partner)

3 Accounts & KYC/AML

• You must complete KYC: Government ID + selfie + SSN/ITIN for tax service + address verification
• You are responsible for password and 2FA security — enable 2FA mandatory for withdrawals > $500
• We may request additional documents at any time for compliance (FinCEN, IRS, fraud prevention)
• Do not share login. You are liable for all activity under your account, including MT1_ transfers sent using your account
• We may suspend account if we suspect fraud, money laundering, or false documents — you will be notified via email with RF1_/MT1_ reference if applicable

4 RF1_ Tax Refund — Specific Terms

How it works:

• You upload W-2/1099 + ID + e-sign Form 8821 (Tax Information Authorization) — authorizes our licensed CPA partners to access your tax info and file
• We prepare and e-file your return. You receive tracking code RF1_8K29XP — track status: Filed → Accepted → Approved → Credited
• IRS sends refund to partner bank account designated via Form 8821 authorization (with your consent)
• Once received, we auto-credit your Silvarstain Available Balance 1:1 within 60 seconds — push notification + email confirmation

Key Conditions:

• Refund amount determined solely by IRS — we do not guarantee amount, only that we file accurately based on docs you provide
• Up to $8,000 advance may be available for eligible users — subject to separate advance agreement, fees disclosed upfront
• Our processing fee (if any) disclosed before you sign Form 8821 — no hidden fees after authorization
• If IRS rejects return or issues less than expected, we will notify you with IRS notice — you remain responsible for accuracy of docs provided
• Tax docs retained 3 years per IRS record-keeping, then securely deleted

5 MT1_ Email Transfer — Specific Terms

• You enter recipient email + USDC amount + confirm — we debit your Available Balance instantly
• System generates unique MT1_4K2Z91 + verifiable hash + timestamp — included in auditable receipt
• Recipient receives email from noreply@silvarstain.com with secure claim link — must verify email to claim
• Once claimed, amount credited to recipient's Silvarstain balance — they can withdraw to bank or spend via card
• Unclaimed MT1_ expires after 14 days — funds auto-return to your Available Balance minus $0.50 processing fee
• You confirm recipient email is correct — we are not liable for transfers to wrong email if you typed incorrectly
• Fee $1-$3 flat per MT1_ transfer — shown before you confirm

6 USDC & Withdrawals

• 1 USDC = $1.00 — backed by cash and short-term treasuries (Circle reserves). Stable, not volatile crypto
• Available Balance is 100% withdrawable anytime via MT1_ or bank off-ramp
• Bank withdrawal (off-ramp): 1-2 business days via partner bank, fee $2-$5 disclosed upfront
• USDC on-chain withdrawal: you provide wallet address — you are responsible for address accuracy, transactions irreversible
• We maintain 95% funds in multi-sig offline cold wallets — hot wallet only for instant operations
• Minimum withdrawal $10, maximum per transaction $25,000 (may vary based on KYC tier)

7 Virtual Cards

• Disposable: single merchant, expires after first authorization — for secure online shopping
• Recurring: multiple uses until expiry, set limit — for subscriptions like Netflix
• Works anywhere Visa is accepted online — not for ATM or in-person chip unless enabled
• We do not store full card PAN — tokenized with PCI-compliant issuer partner
• If card declined, check Available Balance, limit, merchant restrictions (gambling, crypto exchanges may be blocked per issuer policy)
• You are responsible for disputes with merchants — contact support with MT1_/card last 4 for assistance

8 Fees

• All fees displayed before you authorize transaction — no surprise charges
• RF1_ processing fee: disclosed upfront before Form 8821 signature (typically $0-$150 depending on complexity, advance fee separate if applicable)
• MT1_ transfer: $1-$3 flat per transfer
• Bank withdrawal: $2-$5 flat
• USDC deposit: free (network gas may apply for on-chain)
• Virtual card creation: $1 disposable, $2 recurring — no monthly fee
• We may change fees with 14-day notice via email and dashboard banner

9 Prohibited Uses

You agree NOT to use Silvarstain for:

• Money laundering, terrorist financing, fraud, tax evasion, falsifying W-2/1099 or ID
• Sending MT1_ to yourself via fake emails to manipulate rewards (if any)
• Gambling, illegal drugs, weapons, sanctioned persons/countries per OFAC list
• Hacking, attempting to bypass KYC, creating multiple accounts to evade limits
• Using virtual cards for illegal purchases or cash advance schemes
• We monitor transaction velocity, IP, device fingerprint — violations lead to immediate suspension + reporting to FinCEN if required by law

12 Limitation of Liability

To maximum extent permitted by law:

• Service provided "as is" — we strive for <60 second auto-credit but do not guarantee zero downtime
• Our liability limited to amount of fees you paid in last 6 months or $500, whichever is greater
• We are not liable for indirect damages: lost refund due to inaccurate docs you provided, lost profit, MT1_ sent to wrong email you typed
• We are not liable for IRS delays, bank off-ramp delays (1-2 business days), blockchain congestion for on-chain USDC
• You indemnify us against claims arising from false docs, prohibited use, or breach of Terms

13 Termination

• You may close account anytime — request via support@silvarstain.com — after closure, withdrawable balance will be sent via bank off-ramp after KYC verification
• We may suspend or terminate if KYC fails, fraud suspected, prohibited use, or legal requirement — you will be notified via email
• Upon termination, RF1_ docs still retained 3 years per IRS, AML data 5 years per FinCEN — then deleted
• MT1_ transfers already sent and claimed remain final — unclaimed MT1_ will auto-return to sender balance

14 Governing Law & Disputes

• These Terms governed by laws of State of Delaware, USA, without regard to conflict of law
• Any dispute: first contact support@silvarstain.com — we aim to resolve within 30 days
• If unresolved, binding arbitration in Delaware via American Arbitration Association, on individual basis — no class actions
• You may also bring claim in small claims court if eligible
• We may update Terms with 14-day notice via email + dashboard — continued use means acceptance. Material changes (fees, liability) notified more prominently

15 Contact Us

By using silvarstain.com, you acknowledge you read, understood, and agree to these Terms + Privacy Policy + Fee Disclosures. If you disagree, do not use our services.