Terms and Conditions

Last Updated: September 19, 2026

These Terms and Conditions govern your use of Metal-CreditCard.com and your purchase or use of products and services offered by Metal-CreditCard.com.

1. Website Use and Acceptance of Terms

Welcome to Metal-CreditCard.com (“MCC,” “we,” “us,” or “our”). These Terms and Conditions (“Terms”) govern your access to and use of Metal-CreditCard.com, our custom metal payment card conversion services, artwork and design services, related products, and other services offered through the Website (collectively, the “Services”).

By accessing this Website, placing an order, submitting artwork, approving a design, or using our Services, you agree to be bound by these Terms and by the policies incorporated into these Terms by reference.

If you do not agree to these Terms, you should not use the Website or purchase our Services.

You must be at least 18 years old and legally capable of entering into a binding agreement to place an order.

MCC may modify, suspend, discontinue, or restrict access to any portion of the Website or Services at any time, subject to obligations relating to orders that have already been accepted.

This Website may contain links to third party websites or services. MCC does not control those websites and is not responsible for their content, security, policies, or practices.

2. Policies Incorporated Into These Terms

The following MCC policies are incorporated into these Terms by reference and form part of your agreement with MCC:

The policy that specifically addresses a subject will control that subject. For example, the Return Policy controls cancellations and refunds, the Warranty Policy controls warranty claims and replacement eligibility, and the Shipping Policy controls shipping procedures.

Nothing in these Terms or the incorporated policies limits any right or remedy that cannot legally be waived under applicable law.

3. Nature of MCC’s Services

MCC provides custom metal payment card conversion and personalization services. In many cases, the customer sends an existing plastic debit or credit card to MCC so that certain functional components may be transferred, programmed, or incorporated into a custom metal card.

MCC does not issue credit cards, debit cards, bank accounts, credit lines, or financial accounts.

MCC is not a bank, credit union, card issuer, payment network, or financial institution.

Your relationship with your card issuer remains separate from your relationship with MCC.

By ordering a card conversion, you acknowledge that the Service involves physical modification of or removal of components from your existing payment card. This process may permanently alter the original plastic card.

4. Customer Authorization and Responsibilities

By submitting a payment card to MCC, you represent and warrant that:

You are the authorized cardholder or have lawful authority from the authorized cardholder to submit the card.
The card has not been obtained through fraud, theft, or other unlawful activity.
You are legally permitted to possess and submit the card for personalization or conversion.
You will comply with your cardholder agreement and applicable laws.

Before sending a payment card to MCC, you should lock, freeze, or otherwise secure the card whenever your issuer provides that capability.

You should never provide MCC with your PIN, online banking password, bank login credentials, security questions, or other credentials that are not necessary for production.

You are responsible for notifying your issuer if your card is lost, stolen, compromised, replaced, canceled, or otherwise changed.

If your issuer changes your account number, card number, expiration date, security features, EMV chip, or other card information, the custom metal card may no longer function and a new conversion may be required.

5. Relationship With Card Issuers and Payment Networks

MCC is independent from banks, credit unions, payment networks, and card issuers.

Your issuer remains solely responsible for:

Your financial account.
Your credit limit or available funds.
Interest rates, fees, rewards, and account terms.
Transaction authorization and declines.
Replacement or cancellation of your payment card.
Policies regarding third party modification or personalization of issued cards.

You are responsible for reviewing your cardholder agreement or contacting your issuer if you are uncertain whether your issuer permits modification or personalization of the physical card.

MCC is not responsible for an issuer’s decision to replace a card, cancel a card, restrict an account, change card technology, decline transactions, or otherwise take action relating to your account.

6. Ordering and Order Acceptance

Submitting an order does not automatically require MCC to accept or produce the order.

An order is considered accepted after MCC receives successful payment confirmation and determines that the order can reasonably be fulfilled.

MCC reserves the right to refuse, cancel, or refund an order before production when reasonably necessary, including circumstances involving:

Suspected fraud or unauthorized card use.
Artwork or content that may violate applicable law or third party rights.
Technical or manufacturing limitations.
Pricing or Website errors.
Payment failure or payment reversal.
Inability to obtain information or materials required to complete the order.

You are responsible for providing accurate contact, order, artwork, billing, and shipping information.

7. Custom Artwork and Design Approval

Customer Supplied Artwork

When you submit artwork, photographs, logos, graphics, names, trademarks, or other materials (“Customer Artwork”), you represent that you either own the Customer Artwork or have sufficient legal permission to use it for the requested purpose.

You grant MCC a nonexclusive, royalty free license to reproduce, resize, modify, format, engrave, print, and otherwise use Customer Artwork only as reasonably necessary to prepare artwork proofs, manufacture your order, provide customer support, and administer the transaction.

You remain responsible for Customer Artwork and for obtaining any permissions required from copyright owners, trademark owners, photographers, artists, businesses, organizations, or other rights holders.

MCC Created Artwork

Unless otherwise agreed in writing, original templates, design elements, layouts, production files, processes, and artwork created independently by MCC remain the intellectual property of MCC.

Customer ownership of Customer Artwork does not transfer ownership of MCC’s preexisting intellectual property, templates, manufacturing methods, design systems, or production files.

Portfolio and Marketing Use

Unless you request otherwise in writing before production, you grant MCC permission to photograph and display images of the completed custom product for portfolio, gallery, advertising, social media, promotional, and marketing purposes.

MCC will not intentionally display complete payment card numbers, security codes, or other sensitive account information in public marketing materials.

Permission to display a completed product does not give MCC ownership of intellectual property that belongs to you or to a third party.

MCC will not sell or license Customer Artwork as a standalone commercial design solely because it was submitted with an order unless separate permission or licensing rights exist.

Design Approval

When you approve an artwork proof, you authorize MCC to proceed with production using that approved design.

You are responsible for reviewing spelling, names, placement, orientation, logos, graphics, and other visible design elements before approval.

Minor variations may occur between a digital proof and the finished physical product because of engraving, material properties, manufacturing tolerances, lighting, screen settings, and other production factors.

8. Intellectual Property and Prohibited Content

All original Website content owned by MCC, including text, graphics, photographs, logos, layouts, software, production methods, templates, and original designs, is protected by applicable intellectual property laws.

Website content may not be copied, reproduced, distributed, resold, republished, scraped, or commercially exploited without written permission from MCC, except where otherwise permitted by law.

MCC may refuse to produce artwork that MCC reasonably believes:

Violates copyright, trademark, publicity, privacy, or other rights.
Attempts to create an unauthorized replica of a proprietary payment card design.
Is fraudulent, deceptive, or unlawful.
Could reasonably expose MCC to legal liability.

All third party trademarks, logos, card brands, financial institution names, and other intellectual property remain the property of their respective owners.

Reference to a third party brand does not imply sponsorship, authorization, endorsement, or affiliation with MCC unless expressly stated.

9. Pricing and Payment

Prices displayed on the Website are subject to change before an order is placed.

If MCC discovers a material pricing error after an order has been submitted, MCC may contact you to correct the order or cancel the affected order and refund amounts paid for that order.

Payment methods may include third party payment processors, peer to peer payment services, digital wallets, electronic transfers, or other methods displayed during checkout or communicated by MCC.

Payment providers may impose their own terms, privacy practices, transaction fees, currency conversion fees, or other requirements. MCC is not responsible for fees independently charged by your financial institution or payment provider.

Unless otherwise stated, prices are expressed in United States Dollars.

10. Cancellations, Returns, and Refunds

Because MCC products and Services are personalized and custom made or custom altered for individual customers, cancellation and return rights may be different from those associated with ordinary retail merchandise.

Cancellations, refunds, returns, deductions, processing fees, and related eligibility requirements are governed by the MCC Return Policy in effect at the time of purchase.

Design work, commissioned artwork, preparation, manufacturing, and customization may begin shortly after an order is accepted. Once work has begun, cancellation fees or other limitations described in the Return Policy may apply.

Approval of a custom artwork proof authorizes production of the approved design and may affect cancellation or refund eligibility.

Claims involving a manufacturing defect are governed by the MCC Warranty Policy.

Nothing in this section eliminates any consumer right that cannot legally be waived.

11. Warranty and Manufacturing Defects

MCC’s written warranty coverage, exclusions, eligibility requirements, replacement procedures, and available remedies are described in the MCC Warranty Policy.

The version of the Warranty Policy in effect when you purchase your product applies to that purchase unless otherwise required by law.

Normal wear, scratches, fading, surface marks, patina, or cosmetic changes resulting from ordinary use are not necessarily manufacturing defects.

MCC may require photographs, troubleshooting, documentation, or return of a product for inspection before approving a warranty claim.

Nothing in these Terms is intended to disclaim or limit any implied warranty or other warranty right that cannot legally be disclaimed or limited.

12. Production, Shipping, and Delivery

Production cannot begin until MCC has received all information and materials reasonably required to complete the order. Depending on the order, this may include:

Successful payment.
The customer’s physical payment card.
Required artwork or design information.
Customer approval of the final artwork proof.

Any production timeframe advertised by MCC begins only after all required materials, information, approvals, and the physical card, when applicable, have been received.

Production and shipping estimates are based on information reasonably available to MCC at the time the estimate is provided.

If a material delay occurs, MCC will communicate with the customer and provide any options required by applicable law.

Shipping Your Card to MCC

You are responsible for safely shipping your physical payment card to MCC.

A tracked shipping method should be used. You should lock or freeze the card before shipment when your issuer provides that capability.

Until carrier tracking confirms delivery to MCC, the card remains in the custody of the carrier and the customer bears the risk associated with inbound shipment, except where otherwise required by law.

Return Shipping From MCC

MCC ships completed orders using tracked shipping services as described in the Shipping Policy.

If an outbound shipment is lost or damaged before confirmed delivery, MCC will assist with the carrier claim and determine the appropriate remedy consistent with the Shipping Policy and applicable law.

A carrier record showing successful delivery to the shipping address provided by the customer is presumptive evidence of delivery.

MCC is not responsible for loss caused by an incorrect or incomplete customer supplied address, refusal of delivery, failure to retrieve a shipment, or theft occurring after confirmed delivery, except where otherwise required by law.

International Orders

International customers are responsible for customs duties, import taxes, VAT, GST, brokerage charges, and other governmental fees imposed by the destination country unless expressly stated otherwise.

MCC will not intentionally falsify customs values or improperly identify merchandise as a gift.

13. Card Functionality and Compatibility

MCC takes reasonable steps to produce custom metal cards that function as intended when properly manufactured and compatible with the customer’s original card.

However, no payment card can be guaranteed to work with every merchant terminal, ATM, payment system, issuer, or financial institution.

Compatibility may be affected by:

Issuer policies.
Changes made by the card issuer.
ATM or terminal design.
Merchant equipment.
Physical wear or damage.
Changes in payment technology.

Standard full metal card conversions generally do not provide NFC or contactless tap to pay functionality unless a product or Service specifically states that contactless functionality is supported.

Customers may use an issuer supported mobile wallet, such as Apple Pay or Google Pay, for contactless transactions when available.

MCC does not guarantee ATM compatibility. Customers assume the ordinary risk that a third party ATM may retain a card. Any applicable replacement coverage is governed by the Warranty Policy or an Extended Protection Plan, if purchased.

14. Chargebacks and Payment Disputes

If you experience a problem with an order, we encourage you to contact MCC so that we have an opportunity to investigate and resolve the issue.

If a chargeback or payment dispute is filed, MCC may provide the payment provider, bank, or card network with documentation reasonably related to the transaction, including:

Order records.
Payment confirmations.
Customer communications.
Artwork proofs and approvals.
Production records.
Shipping and delivery records.

MCC reserves the right to contest chargebacks that MCC reasonably believes are inaccurate, fraudulent, abusive, or inconsistent with the documented transaction.

Fraudulent or abusive payment activity may result in refusal of future orders.

Nothing in this section restricts a customer’s lawful rights under applicable consumer protection laws, payment network rules, or agreements with the customer’s financial institution.

15. Website Disclaimer and Limitation of Liability

The Website itself is provided on an “as available” basis. MCC does not guarantee that Website access will always be uninterrupted, error free, secure, or free from technical problems.

Product warranty rights are governed separately by the MCC Warranty Policy and applicable law.

To the fullest extent permitted by law, MCC will not be liable for indirect, incidental, special, exemplary, punitive, or consequential damages arising from the use of the Website, Services, or products, including loss of profits, lost business opportunities, or losses caused by transaction declines or third party payment system failures.

To the fullest extent permitted by law, MCC’s aggregate liability arising from a particular order will not exceed the amount actually paid to MCC for the order giving rise to the claim.

These limitations do not apply to liability that cannot legally be excluded or limited, including liability arising from conduct for which applicable law prohibits limitation.

16. Indemnification

To the extent permitted by law, you agree to indemnify and hold harmless Metal-CreditCard.com, its owners, employees, contractors, agents, and representatives from third party claims, damages, liabilities, costs, and reasonable legal expenses arising from:

Your unlawful use of the Website or Services.
Your material breach of these Terms.
Artwork or other materials submitted by you that infringe third party rights.
Your fraudulent or unauthorized submission of a payment card.
Your violation of applicable law.

This section does not require you to indemnify MCC for claims arising solely from MCC’s own conduct where such indemnification is prohibited by law.

17. Events Beyond Our Reasonable Control

MCC is not responsible for delays or failures caused by circumstances reasonably beyond our control, including severe weather, natural disasters, fires, floods, governmental actions, carrier disruptions, labor disputes, utility failures, telecommunications failures, supply interruptions, or similar events.

This section does not eliminate obligations that applicable law requires MCC to perform in the event of a delayed or unfulfilled order.

18. Changes to These Terms

MCC may update these Terms from time to time.

When changes are made, the “Last Updated” date at the top of this page will be revised.

Unless otherwise required by law or agreed by the parties, the Terms in effect when an order is placed will govern that order.

Updated Terms will apply prospectively to future Website use and future transactions after they are posted.

19. Governing Law and Venue

These Terms and any dispute arising out of or relating to these Terms, the Website, or MCC’s Services will be governed by the laws of the State of Florida, without regard to its conflict of law principles, except where federal law or another applicable law controls.

To the extent permitted by applicable law, any legal action arising from these Terms or Services shall be brought in a state court located in Hillsborough County, Florida, or in the applicable federal court having jurisdiction over Hillsborough County, Florida.

Nothing in this section deprives a consumer of any nonwaivable legal right or forum protection provided by applicable law.

20. Severability, Waiver, and Entire Agreement

If any provision of these Terms is determined to be invalid or unenforceable, the remaining provisions will remain in effect to the fullest extent permitted by law.

MCC’s failure to enforce any provision of these Terms does not constitute a waiver of that provision or any other provision.

These Terms, together with the applicable order confirmation, approved artwork, Privacy Policy, Return Policy, Warranty Policy, Shipping Policy, and any other policy expressly incorporated by reference, constitute the agreement between MCC and the customer concerning the applicable transaction.

If a specific written agreement signed or expressly accepted by MCC conflicts with these Terms, the specific written agreement will control to the extent of the conflict.

21. Contact Information

Questions, complaints, legal notices, or other communications regarding these Terms may be directed to:

Metal-CreditCard.com
Email: [email protected]
Address: 3690 W Gandy Blvd, Suite 402
Tampa, FL 33611
Phone: 1-866-523-2747