PRIVATE LABEL AI LUXURY BUSINESS DEBIT CARD

Important Legal & Compliance Disclosures

Read carefully — cards are issued only after verification and subject to program rules.

• Not a bank or FDIC insured: PRIVATE LABEL AI LUXURY BUSINESS DEBIT CARD is a branded fintech product delivered by Kayanda Capital. We are not a bank. Funds accessible via cards may not be FDIC insured unless explicitly stated by a sponsoring bank.
• KYC & AML required: All clients and cardholders must complete Know-Your-Customer (KYC) and anti-money laundering (AML) verification. Issuance is conditional on successful identity and business verification.
• Licensing & regulatory requirements: Depending on the services you request (e.g., custody of funds, stored-value, or cross-border money transmission), local or state licensing (including Money Transmitter Licenses) and regulatory registration (FinCEN or equivalent) may be required. You must consult qualified legal counsel before offering these services. Kayanda Capital does not provide legal, tax, or regulatory advice.
• Jurisdictional limitations: Card issuance, affiliate offers, and BNPL integrations may be limited by geography and merchant policies. We may refuse or suspend services in jurisdictions where local law or our partners prohibit issuance.
• Sanctions and prohibited use: Services will not be provided to persons or entities on OFAC or similar sanctions lists, or for any unlawful purpose. We may disable accounts and report suspicious activity to authorities when required by law.
• Chargebacks, fraud & liability: Cardholders and merchants remain responsible for compliance with card network rules. Clients may be liable for chargebacks, refunds, and fraud losses. We reserve the right to hold reserves or withhold funds to cover chargebacks or suspected fraud.
• Affiliate earnings: Affiliate commission rates are set by third-party programs and may change. Commissions are payable per the affiliate network's terms and subject to reconciliation.
• No warranty: Services are provided "as is." We make no guarantees about merchant acceptance, specific revenue uplift, or regulatory outcomes. You are responsible for obtaining any licenses or approvals required to operate in your jurisdiction.
• Taxes: Clients are responsible for reporting and paying any applicable taxes on fees, affiliate earnings, or other revenue.
• Legal advice: The information on this page is not legal advice. For legal certainty about licensure, consumer protection, and cross-border operation, consult a licensed attorney experienced in fintech and payments law.