2.1 The Platform uses a split‑provider model: Vowallex provides interface access and support; ARGOcoin provides core virtual asset services and compliance decisions for Core Services; Virtual Card Services are offered by Vowallex and/or Card Issuer(s); ARGOcoin does not issue cards and is not responsible for card settlement.

3.1 Services and content are provided “as is” and “as available”, without warranties.

4.1 To the fullest extent permitted by law, we are not liable for indirect or consequential losses, including market losses, lost profits, or lost opportunities.

5.1 We are not responsible for third‑party services, links, ATM operators, merchants, card issuers, processors, or their terms.

6.1 Availability of services may vary by jurisdiction and may be restricted due to regulatory requirements and sanctions.

7.1 This Disclaimer is governed by the Terms of Service.