Effective date: March 30, 2026 · Last updated: March 30, 2026
IMPORTANT — PLEASE READ CAREFULLY: These Terms of Service contain a binding arbitration clause (Section 18) and a class action waiver that affect your legal rights. By using the Reinx platform, you agree to resolve disputes through individual arbitration rather than in court, and you waive any right to participate in class actions.
These Terms of Service (“Terms”) constitute a legally binding agreement between you (“you,” “your,” or “User”) and Reinx, Inc. (“Reinx,” “we,” “us,” or “our”). These Terms govern your access to and use of the Reinx platform, including our website at reinx.ai and app.reinx.ai, our web dashboard, mobile applications, APIs, MCP (Model Context Protocol) servers, developer tools, and all related services (collectively, the “Services”).
By creating an account, accessing, or using our Services, you acknowledge that you have read, understood, and agree to be bound by these Terms, our Privacy Policy, our Acceptable Use Policy, and any additional terms and policies referenced herein. If you are using the Services on behalf of an entity, you represent and warrant that you have the authority to bind that entity to these Terms.
If you do not agree to these Terms, you must not access or use the Services.
To use the Services, you must:
If you are using the Services on behalf of a business entity, you additionally represent that you are authorised to accept these Terms on behalf of that entity and that the entity is legally organised and in good standing.
To access the Services, you must create a Reinx account by providing accurate, current, and complete information, including your name, email address, and a secure password. You agree to update your account information promptly if it changes.
As a regulated financial services platform, Reinx is required to verify your identity before granting access to financial features. You agree to provide accurate identity verification information as required by our KYC and KYB processes (conducted through Stripe Connect Custom onboarding), supply additional documentation as reasonably requested, and consent to verification through Stripe Identity and other verification services. Financial features will be unavailable until verification is complete (minutes to 48 hours). We reserve the right to refuse, suspend, or terminate your account if verification fails or reveals unacceptable risk.
By using the financial features of the Reinx platform, you also agree to be bound by the Stripe Connected Account Agreement. When you activate virtual card services, you additionally agree to the Stripe Issuing Accountholder Terms and the issuing bank partner’s terms (presented during card activation).
You are solely responsible for maintaining the confidentiality of your account credentials and for all activity under your account. You agree to use a strong, unique password with MFA enabled, never share credentials, immediately notify us of suspected unauthorised access, and secure all scoped API tokens for your AI agents. Reinx is not liable for loss arising from unauthorised access due to your failure to comply with these obligations.
Reinx is a consumer-facing fintech platform that enables users to create and manage virtual payment cards and cryptocurrency wallets for their AI agents, with spending limits, real-time approve/deny controls, expense tracking, analytics, and AI-powered financial management tools.
IMPORTANT: Reinx is a financial technology company, not a bank, credit union, or depository institution. Reinx does not hold deposits, issue credit, or operate as a money transmitter. Payment card services are provided through Stripe Issuing. Financial accounts and stablecoin services are provided through Stripe Financial Accounts and Bridge. Wallet infrastructure is provided through Privy.
Funds held on the Reinx platform are maintained as stablecoins (USDB or USDC) and are NOT insured by the FDIC or any government insurance programme. USDB is backed 1:1 by US Treasuries and BlackRock money market funds. USDC is backed 1:1 by cash and cash equivalents. While designed to maintain a stable value, stablecoins are not guaranteed by any government agency. You acknowledge and accept the risk that stablecoin values may fluctuate.
USD added to your account is converted to USDB via Bridge. Your dashboard shows balances in U.S. dollar equivalents.
Subscriptions billed monthly via Stripe Billing. Cancel anytime; effective at end of billing period. No partial refunds.
By adding a payment method, you represent that you have authority to use it, authorise Reinx and Stripe to initiate debits/credits per your instructions, confirm all transactions comply with applicable law, and agree this authorisation remains effective until you remove the method or close your account (or 30 days after written cancellation notice).
Virtual cards are issued through Stripe Issuing on the Visa and/or Mastercard networks. Each agent account receives one virtual card. Cards are digital only (no physical cards). Cards remain property of the issuing bank and Stripe, licensed to you under these Terms.
Reinx enforces controls at the payment network level (not in agent code). Controls are deterministic and cannot be overridden by agents, even if compromised. These include:
For agent-initiated purchases at compatible merchants, Reinx may generate Shared Payment Tokens (SPTs) through Stripe, scoped to a specific merchant, amount, and time window. Your real card number is never exposed. SPT availability depends on merchant compatibility.
Only you (the human account holder) may view full card details via the secure Reveal feature (Stripe.js Issuing Elements). AI agents never access raw card credentials. The MCP server does not expose card detail retrieval tools. Any attempt to extract card credentials constitutes a violation of these Terms.
Notify us within 60 days of any unauthorised or incorrect transaction. Reinx will work with Stripe and the payment network to investigate. Chargeback dispute fees ($15 per dispute) may apply.
You may create AI agent accounts, each receiving a virtual card and crypto wallets (EVM + Solana). You are solely responsible for all agents you create and all actions taken by those agents.
Agents communicate via scoped API tokens through MCP or REST API. Tokens contain agent account ID and permissions, not card numbers or wallet keys. Tokens are stored in MCP configuration files, not in agent LLM context. Tokens display once at creation and can be regenerated anytime. You are responsible for securing all tokens.
You are fully responsible for the actions of your AI agents, including all transactions, funds spent or transferred, any legal violations, and ensuring agents operate within configured limits. Reinx provides robust controls, but ultimate responsibility rests with you.
Reinx calculates a proprietary Agent Health Score (300–850) based on behavioural metrics. Scores are informational and may be used for platform feature eligibility, agent-to-agent trust levels, and risk management.
All agent wallet transactions route through the Reinx backend. The backend validates against spending policies before executing. Within-policy transactions auto-approve (~50–100ms). Transactions above approval thresholds are held for human review (default: 72-hour window).
Agent wallets are managed through Privy using custodial wallets backed by Bridge (a Stripe company), a licensed custodian. Reinx does not hold or have access to wallet private keys; custody is maintained by the licensed custodian. Each agent receives an EVM wallet (Base, with additional chains as added) and a Solana wallet.
You acknowledge and accept:
You agree not to use the Services, or configure agents to use the Services, for:
Reinx may suspend or terminate your account and freeze funds for suspected prohibited activity. Frozen funds are held pending investigation and may be reported to law enforcement.
Reinx provides REST API and MCP server access. You are solely responsible for keeping API keys and tokens confidential, restricting access to authorised systems, never exposing keys in client-side code or public repos, immediately revoking compromised keys, and all API calls made with your keys. Reinx enforces rate limits published in our documentation. The MCP server does NOT expose card credential retrieval tools.
The Services and all associated IP are and remain Reinx’s exclusive property. You receive a limited, non-exclusive, non-transferable, revocable licence to use the Services under these Terms. You retain ownership of content you submit; you grant Reinx a worldwide, non-exclusive, royalty-free licence to use it as necessary to provide and improve the Services. Any feedback you provide grants Reinx an unrestricted, irrevocable, perpetual licence to use it.
The Services integrate with third-party providers including Stripe (payments, KYC, billing), Privy (wallets), Bridge (stablecoin conversion), Supabase (database/auth), and AWS (hosting). You agree to be bound by applicable third-party terms. Reinx is not responsible for third-party availability or performance.
You represent that all information you provide is accurate, you will comply with all applicable laws, you will not engage in prohibited activities, you have the right to use payment methods provided, you will monitor your agents, and you understand and accept the risks described in these Terms.
THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND. TO THE FULLEST EXTENT PERMITTED BY LAW, REINX DISCLAIMS ALL WARRANTIES, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.
Reinx does not warrant uninterrupted or error-free service, accuracy of results, that copilot responses constitute financial or legal advice, that stablecoin values will remain stable, or that blockchain transactions will process within any timeframe.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, REINX SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES. REINX’S TOTAL AGGREGATE LIABILITY SHALL NOT EXCEED THE GREATER OF (A) FEES PAID BY YOU IN THE 12 MONTHS PRECEDING THE CLAIM, OR (B) $100.
This applies regardless of legal theory and whether Reinx was advised of possible damages. Some jurisdictions limit these exclusions; in those jurisdictions, liability is limited to the greatest extent permitted.
You agree to indemnify and hold harmless Reinx and its directors, officers, employees, agents, and affiliates from claims arising from your use of the Services, violation of these Terms or applicable law, actions of your AI agents, violation of third-party rights, and disputes with third parties related to your use.
Close your account anytime via dashboard or by contacting legal@reinx.ai. Active subscriptions terminate at billing period end. All agent accounts, cards, and wallets are deactivated. Remaining funds available for withdrawal for 30 days, after which Reinx initiates automatic withdrawal to your last linked bank. API tokens are immediately invalidated.
Reinx may suspend or terminate your account for Terms violations, legal/regulatory requirements, suspected compromise or prohibited activity, failure to complete verification, or if your use poses risk. Reinx retains transaction records as required by law (minimum 7 years) regardless of termination.
Sections on IP, disclaimers, liability limitation, indemnification, dispute resolution, and general provisions survive termination.
Before formal proceedings, you agree to attempt informal resolution by contacting legal@reinx.ai. We will attempt to resolve disputes within 60 days.
DISPUTES SHALL BE RESOLVED THROUGH BINDING INDIVIDUAL ARBITRATION administered by the American Arbitration Association (AAA) under Consumer Arbitration Rules.
Arbitration by a single arbitrator in Las Vegas, Nevada or remotely. The arbitrator’s decision is final and binding.
YOU AND REINX EACH WAIVE THE RIGHT TO PARTICIPATE IN CLASS, COLLECTIVE, OR REPRESENTATIVE ACTIONS. The arbitrator may not consolidate claims or preside over representative proceedings.
Either party may bring individual small claims court actions or seek injunctive relief for IP infringement.
Opt out of arbitration/class waiver within 30 days of accepting these Terms by emailing legal@reinx.ai with subject “Arbitration Opt-Out” including your name, account email, and clear opt-out statement.
Reinx may modify these Terms. For material changes, we provide at least 30 days’ notice via email and post updated Terms with a revised effective date. Changes required by law or addressing security issues may take effect immediately. Continued use after the effective date constitutes acceptance. If you disagree, stop using the Services and close your account.
Reinx, Inc.
3009 Hawksdale Dr, Unit #332
Las Vegas, NV 89134, United States
Email: legal@reinx.ai
Website: reinx.ai