> For the complete documentation index, see [llms.txt](https://docs.cwallet.com/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.cwallet.com/cozy-card/cozy-card-usage-rules.md).

# Cozy Card Usage Rules

Please read these rules before using your Cozy Card. Breaking them may cause your card to be **frozen** or **permanently deleted**.

### When will my card be frozen?

Your card may be frozen if any of the following happens:

| Situation                                                  | What does it means                                                                                                |
| ---------------------------------------------------------- | ----------------------------------------------------------------------------------------------------------------- |
| Spending at a prohibited merchant                          | Your card cannot be used by certain merchants. See the full list below.                                           |
| 3 failed transactions in a row due to insufficient balance | If you try to spend more than your card balance and the payment fails 3 times in a row, your card will be frozen. |

#### Porhibited merchants

Do not use your Cozy Card at the following merchants:

| Category                       | Merchants                                                    |
| ------------------------------ | ------------------------------------------------------------ |
| Gas stations                   | All gas/petrol stations                                      |
| Crypto trading                 | Any platform or service for buying or selling cryptocurrency |
| Ride-hailing and food delivery | Uber, Uber Eats, Grab, foodpanda                             |
| Gambling                       | Online and offline gambling, betting and casino services     |

This applies to **every way of paying** with your Cozy Card, including online payments, in-app payments, Apple Pay and in-store payments.