These Elios Spend Card Terms (the "Card Terms") are a binding agreement between you ("you" or "your") and the Issuer ("we", "us", or "our") that governs your use of the Elios Spend Cards, including the process for obtaining and managing Elios Spend Cards, access to which is provided to you by ELIOS TECH S.A. ("Elios").
PLEASE REVIEW THE ARBITRATION CLAUSE AND NOTICES SET FORTH BELOW IN SECTION 16. BY USING THE CARD, YOU ARE AGREEING TO THE ARBITRATION CLAUSE AND NOTICES SET FORTH IN THAT SECTION. THE ARBITRATION CLAUSE WILL HAVE A SUBSTANTIAL EFFECT ON YOUR RIGHTS IN THE EVENT OF A DISPUTE, INCLUDING YOUR RIGHT TO BRING OR PARTICIPATE IN A CLASS PROCEEDING.
Rates, fees, and other important information about your Elios Card ("Card") are set forth in these Important Disclosures.
Effective as of May 7th, 2026
Interest Rates and Interest Charges: 0%
Annual Percentage Rate (APR) for Purchases: 0%
Your Elios Card is currently Zero 0% interest on all purchases. Issuer and Elios reserve the right to implement interest in the future, for new purchases. Elios will disclose any changes to this agreement prior to the introduction of interest and other charges associated with your Elios Card.
Transaction Fee
Foreign Purchases
Penalty Fees