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Pecuna — Terms of Service

Last updated: November 12, 2026 · Effective: November 12, 2026

1. About these Terms

1.1. These Terms of Service ("Terms") govern your use of Pecuna, the ad-spend billing service available at pecuna.ai and within the VIB3 platform (the "Service"). The Service is provided by VIB3, Inc., a United States company ("Pecuna", "we", "us").

1.2. By creating an account, accepting these Terms, or using the Service, you agree to these Terms on behalf of the business you represent ("Client", "you"). You confirm you are authorised to bind that business.

1.3. These Terms form one agreement with any order form or other written agreement between you and us ("Order") and the Pecuna Privacy Policy. If they conflict, the Order prevails.

1.4. Pecuna is not a bank. Payment accounts, holding of funds, and payment instruments are provided through our payment partner, Slash, and its partner banks, under their own terms.

2. Definitions

  • Balance — funds you have added to the Service, held with our payment partner.
  • Ad Platform — a third-party advertising platform supported by the Service.
  • Ad Account — an advertising account on an Ad Platform that you fund or use through the Service.
  • Payment Instrument — any card, account, or other payment method made available to you through the Service.
  • Spend — amounts charged by an Ad Platform for your advertising.

3. Eligibility, account and verification

3.1. The Service is for businesses only. Don't use it as a consumer or for personal, family, or household purposes.

3.2. Before we activate your account, our team reviews your business and the people who own or control it. We may ask for company documents, identity documents, information about your business and advertising, and the source of your funds.

3.3. We may refuse, limit, or delay any account at our discretion, and we don't have to give a reason where the law prevents it.

3.4. Keep your information accurate and tell us promptly if your ownership, control, or business activity changes. We may repeat our review at any time.

3.5. You are responsible for all activity under your account, including by team members you invite. Keep your credentials secure and tell us at once at [email protected] if you suspect unauthorised access.

4. The Service

4.1. The Service lets you hold funds and use them to pay for advertising on supported Ad Platforms. The features, Ad Platforms, currencies, and limits available to you are shown in your account and may change over time.

4.2. Payment Instruments are provided by our payment partner and are subject to its terms. Use them only to pay for advertising on supported Ad Platforms.

4.3. Where we provide or manage Ad Accounts for you, we may grant and remove your access to them. The relationship with the Ad Platform for those accounts may remain with us or our partners.

4.4. Transfers to Ad Platforms depend on the Ad Platform and our payment partner. We aren't responsible for their delays.

4.5. Any notifications or alerts in the Service are for convenience only. You remain responsible for monitoring your Spend.

4.6. We may add, change, or remove features of the Service.

5. Fees, invoicing and taxes

5.1. Fees, if any, are as shown in your account or Order. We will give you at least 30 days' notice of new or higher fees.

5.2. Your bank, our payment partner, and Ad Platforms may charge their own fees. You pay these.

5.3. Where a currency conversion applies, we use the rate shown in the Service at the time of the transaction.

5.4. Amounts are exclusive of taxes. You are responsible for taxes on your advertising purchases. We issue invoices and other documents for amounts we charge you.

5.5. Report any discrepancy in your account records within 30 days of the transaction. After that, the records are final unless the error is ours.

5.6. Invoices. We issue invoices electronically, in your account or by email to your billing contact. An invoice is treated as received when we send it.

5.7. Payment terms. Unless your Order says otherwise, invoices are due within 7 days of the invoice date. Pay in the invoice currency by bank transfer or another method we accept. Section 6.3 applies to late payment.

5.8. Full payment. Pay invoiced amounts in full, without set-off or deduction. You bear your own bank and intermediary fees. If the law requires you to withhold tax, increase your payment so that we receive the full invoiced amount.

5.9. Billing details. You are responsible for accurate billing details, including legal name, address, and tax ID. We may reissue an invoice with corrected details on request.

5.10. Invoice disputes. To dispute an invoice, tell us in writing within 15 days of the invoice date and give your reasons. Pay the undisputed part on time.

5.11. Adjustments. We may issue credit notes or additional invoices after reconciling Spend with Ad Platforms or correcting errors.

5.12. Allocation. We apply payments first to late interest and fees, then to the oldest outstanding amounts.

5.13. Funding by invoice. Where you fund your Balance against an invoice, funds are credited only after we receive them in full.

6. Postpaid terms

6.1. The Service is prepaid unless we agree otherwise in writing. Any credit or postpaid terms are offered at our discretion, set out in an Order, and may be changed, suspended, or cancelled by us.

6.2. Spend above your available Balance or agreed limit is a debt you owe us. We may invoice it, including after we reconcile it with the Ad Platform.

6.3. If you pay late, we may deduct the amount from your Balance, suspend the Service, charge late interest as set in your Order or at the maximum rate the law allows, and recover reasonable collection costs.

7. Refunds, withdrawals and chargebacks

7.1. You may ask to withdraw unused Balance to a verified bank account in your company's name. We process withdrawals within a reasonable time, minus applicable fees and any amounts you owe us.

7.2. Funds already sent to an Ad Platform are returned only if and when the Ad Platform refunds them.

7.3. Disputes about Ad Platform charges go through the Ad Platform's own process. We will help where we can but don't guarantee the outcome.

7.4. Don't reverse or charge back a payment you made to fund your Balance. If you do, or a payment fails, we may recover the amount and related fees and suspend your account.

7.5. We may hold funds as long as needed to complete our review, investigate suspected fraud, or meet a legal requirement.

8. Ad Platforms and your responsibilities

8.1. Your use of each Ad Platform is governed by its own terms and advertising policies. You must follow them, including rules on prohibited and restricted content, targeting, and landing pages.

8.2. We don't control Ad Platforms. They may reject ads, restrict or disable Ad Accounts, change prices, or change their APIs. We aren't responsible for those actions or for funds an Ad Platform holds or refuses to return because of your conduct.

8.3. You are solely responsible for your ads, products, landing pages, and campaign settings, and for all Spend under your Ad Accounts and Payment Instruments, including Spend by your team members.

8.4. If an Ad Account we provide is restricted because of your content or conduct, you will cover the resulting costs, including unrecovered funds and penalties charged to us.

8.5. Don't transfer, sell, or give third parties access to Ad Accounts or Payment Instruments provided through the Service without our written consent.

9. Prohibited use, AML and sanctions

9.1. Don't use the Service to:

  • advertise or pay for anything illegal, or anything an Ad Platform prohibits;
  • launder money, finance terrorism, or evade taxes or sanctions;
  • use funds from a source you can't lawfully use, or accept funds from third parties to pass through your Balance;
  • run cloaking, circumvention, or account-farming schemes, or recreate Ad Accounts an Ad Platform has banned;
  • give false information or impersonate any person or business;
  • probe, overload, or reverse-engineer the Service.

9.2. You confirm that neither you nor your owners, directors, or advertised businesses are sanctioned by the UN, EU, UK, US (OFAC), or UAE, or are located in a sanctioned country or region. Don't use the Service for the benefit of anyone who is.

9.3. We monitor transactions and may ask for information about any payment. We may refuse or reverse a transaction, freeze funds, and report to authorities where the law requires. Where the law forbids it, we won't tell you we have done so.

10. Suspension and termination

10.1. You may close your account at any time by contacting [email protected], once you have paid everything you owe.

10.2. We may suspend or restrict the Service, in whole or in part, with or without notice, if: you breach these Terms or an Order; our review is incomplete or fails; we suspect fraud, money laundering, or a sanctions breach; you don't pay on time; an Ad Platform or our payment partner requires it; or the law requires it.

10.3. We may end these Terms for convenience on 30 days' notice.

10.4. On termination, all amounts you owe become due at once, your access to Payment Instruments and Ad Accounts provided through the Service ends, and, after final reconciliation of Spend, we return any remaining Balance under section 7, minus amounts owed.

10.5. Sections that by their nature should survive termination, including sections 5–7 and 11–13, survive.

11. Disclaimers, liability and indemnity

11.1. The Service is provided "as is" and "as available". To the extent the law allows, we disclaim all implied warranties, including fitness for a particular purpose. We don't promise uninterrupted service, ad performance, or Ad Platform approval.

11.2. We aren't liable for: lost profits, revenue, or ad results; indirect or consequential loss; acts or omissions of Ad Platforms, banks, card issuers, or other third parties; or losses caused by your credentials being misused.

11.3. You will indemnify us against claims, losses, fines, and costs, including reasonable legal fees, arising from your ads, your breach of these Terms or an Ad Platform's policies, or your breach of law.

12. Intellectual property, confidentiality and data

12.1. We own the Service, its software, and its content. We grant you a limited, non-exclusive, non-transferable right to use it during these Terms. You keep all rights to your ads and data.

12.2. If you send us feedback, we may use it freely.

12.3. Each party will keep the other's non-public business information confidential and use it only to perform these Terms, except where the law or a regulator requires disclosure.

12.4. We process personal data as described in the Pecuna Privacy Policy. You confirm you have the right to share with us the personal data of your owners, directors, and team members.

13. Governing law, disputes, changes and contact

13.1. These Terms are governed by the laws of the State in which VIB3, Inc. is incorporated and the federal laws of the United States, without regard to conflict-of-law rules. Disputes go to the exclusive jurisdiction of the state and federal courts in that State. Either party may seek urgent injunctive relief in any competent court.

13.2. We may change these Terms. We will notify you by email or in the Service at least 30 days before a material change takes effect, unless the law or our payment partner requires it sooner. If you keep using the Service after that date, you accept the change.

13.3. You may not assign these Terms without our consent. We may assign them to an affiliate or successor. If any provision is unenforceable, the rest remains in force. Not enforcing a right is not a waiver of it. The English version of these Terms prevails over any translation.

13.4. We send notices to the email address on your account. Send notices to us at [email protected].

Contact: VIB3, Inc. · [email protected]