Apposit LLC D/B/A Paga (“Paga” or the “Company”) is providing this Consumer Checking Account Agreement (this “Agreement”) to you on behalf of [___________] (“Bank”), a member of the Federal Deposit Insurance Corporation (“FDIC”). The Bank is the provider of the checking account (the “Account”). ank is also the issuer of the Visa® Debit Card (“Card”) pursuant to a license by Visa Incorporated. As used in this Agreement the words “we”, “our”, and “us” refer to ank, ousucessors, affiliates, or assignees, and the words “you” and “your” refer to you, the individual, and the Account holder and Card holder, who agrees to be bound by this Agreement, as well as anyone else with the authority to deposit, withdraw, or exercise control over the funds in the Account and anyone else that you authorize to use a Card. If enabled by the Platform, the Card is linked to the Account. Use of the Account and Card is governed by this Agreement. Access to your Account and the services under this Agreement availableony through the website and/or phone application (collectively, the “Paga App”) of Apposit LLC D/B/A Paga (“Paga” or the “Company”) The Company is responsible for making the Paga App available to you and as a result, some services under this Agreement may not be available to you. You should review your agreement with Paga for a complete list of services available. For a list of the services enabled and made available to you by the Paga, please vsit the Paga App. You may only use the Account and Card for personal, family or household purposes, and we may close the Account and Card if we determine either is being used for business purposes. This Agreement includes the Privacy Policy described in Section C. [If Platform T&Cs don’t include digital/mobile banking provisions, they should be included in this agreement or an addendum to this agreement. Functionality to be reviewed/updated based on program.]Access to your Account and the services offered under this Agreement shall be accessed through the Paga App unless we notify you otherwise.
YOU UNDERSTAND THAT BY OPENING AN ACCOUNT THROUGH THE PAGA APP, YOU AUTHORIZE THE BANK TO ACCEPT ALL INSTRUCTIONS PROVIDED TO THE BANK BY PAGA ON YOUR BEHALF.
Truth In Savings Disclosures
[Note to draft: If relevant, there are disclosures required for “bonuses,” which is consideration, other than interest and fee reductions, given for opening or maintaining an account; must disclose minimum balance required to obtain the APY, and how the balance is determined; must disclose minimum balance required to avoid imposition of a fee, and how the balance is determined.]The interest rate and APY is correct as of today’s date, but is subject to change at any time in our discretion, as further described in Section D.
Introduction. In order to apply for an Account, you must consent to the use of electronic signatures and electronic records for all transactions with us and for all agreements, disclosures, notices and other Communications(as defined below) relating to those transactions. Once you have given your consent, we may deliver or make any of the documents or Communications available to you by posting them in the Platform App and sending you an email notification when they become available.
Your Legal Rights. Certain laws require us to provide specific information to you in writing, which means you have a right to receive that information on paper. We may provide such information to you electronically if we first obtain your consent to receive the information electronically. Your consent will also apply to any other person named on your Account, product or service, subject to applicable law.
Your Consent to Electronic Signatures. By accepting this Agreement, you understand that:(i) electronically signing and submitting any document(s) to Bank legally binds you in the same manner as if you had signed in a non-electronic form, and (ii)the electronically-stored copy of your signature, any written instruction or authorization and any other document provided to you by Bank is considered to be a true, accurate and complete record, and legally enforceable in any proceeding to the same extent as if such documents were originally generated and maintained in printed form. By accepting this Agreement, you also acknowledge and agree that you have read, understand and agree to all the terms of this Section B, can access the Communications in electronic form, affirmatively consent to the use of electronic signatures and electronic records, and have an active email account. You agree not to contest the admissibility or enforceability of Bank’s electronically stored copy of this Agreement and any other documents.
Your Consent to Electronic Communications. To the fullest extent permitted by law, this Agreement, account statements, notices, legal and rate disclosures for your Account, updates and changes to this Agreement, or other service agreements and other communications (collectively, “Communications”) from us to you regarding your Account(s) and related services with us may be provided to you electronically, and you consent and agree to receive all those communications in an electronic form. Electronic Communications may be posted on the pages within the Platform App and/or delivered to your email address. You may print a paper copy of or download any electronic Communication and retain it for your records. All Communications in electronic format will be considered to be “inwriting,” and to have been received on the day of posting, whether or not you have received or retrieved the Communication. We reserve the right to provide Communications in paper format. You may withdraw your consent to electronic Communications by contacting us. A withdrawal of your consent will not become effective until we have received and have had a reasonable period of time to implement it. A withdrawal of your consent does not affect the legal effectiveness, validity or enforceability of any transactions, electronic signatures or electronic records of any Communication entered into, provided or made available before that withdrawal becomes effective. Your consent to receive Communications electronically is valid until your revocation of consent becomes effective. If you revoke your consent to receive Communications electronically, Paga will terminate your right to use the Paga App, and we may terminate the Account and related services. You accept all liability for any losses, cost, damages and expenses resulting from such termination to the extent permitted by law.
Your Review of Communications. Please review promptly all Communications we deliver or make available to you. If Communications are mailed to you, they will be delivered to you at the postal address shown in our records. If Communications are sent to you electronically, they will be delivered to you at the email address shown in our records or made available to you on the Paga App. We will retain printable versions of your Account statements for five (5)years or longer periods as may be required by applicable law. You agree to give us and Paga notice of any change of your postal or email address. If you fail to update or change an incorrect email address or other contact information, you understand and agree that any Communication shall nevertheless be deemed to have been provided to you if it was made available to you in electronic form in the Paga App or you were provided email notification of its availability.
Reporting to You (Statements); Errors and Disputes. Statements will be made available to you to view and/or print on the Platform App (if available). We will send an email notification when the statements are available online on a periodic basis at approximately monthly intervals. The Account statement will describe each credit or debit), date of credit or debit. You may view your statement by logging into Paga’s mobile application. Electronically delivered statements will provide all information that would be available in paper statements. Account statements will be considered to be correct unless you notify us, through Paga, of any errors within sixty (60) days of becoming available. Carefully review your statement each statement cycle and notify us of any errors within sixty (60)days of your statement becoming available. Bank will not be liable to you for any error that you do not report to Bank within that period of sixty (60) days. If you think your statement is wrong or if you need more information about a transaction listed on it, please contact Paga, at the customer service contact information set forth in Section L below. In making such communication, you need to tell us: (i) your name and Account number; (ii) why you believe there is an error and the dollar amount involved; and (iii) approximately when the error took place. If you need more information about our error resolution process, contact customer service (at the customer service contact information set forth in Section L below). This paragraph is subject to Section H, and in the event of any conflict between this paragraph and Section H regarding electronic fund transfers, Section H will apply.
Hardware and Software Requirements. To access and retain electronic records of the Communications, you must use computer hardware and software that meets the following requirements: a Current Version (defined below) of an Internet browser we support; a connection to the Internet; a Current Version of a program that reads and displays PDF files (such as Adobe Acrobat Reader); and a computer or mobile device with an operating system capable of supporting all of the above. By "Current Version," we mean a version of the software that we support and that is currently being supported by its publisher. To print or download electronic records of Communications, you must have a connected printer or sufficient space on a long-term storage device.
Eligibility. The Account is available to consumers who are citizens, permanent residents or non-permanent resident aliens in the United States on a valid long-term visa, at least eighteen (18) years of age, and with a valid Social Security Number or a Tax Identification Number. The Account is also available to non-US-residents in approved jurisdictions where the Paga App is available, upon Bank approval, if the equivalent of a Social Security Number or a Tax Identification Number is obtained and verified in any country where Paga App users are permitted to register. All deposits to and withdrawals from the Account must be in U.S. dollars. You must agree to accept electronic, rather than paper statements, as provided above. This means: (i) you must keep us supplied with your valid email address; and (ii) you must agree to accept electronic delivery of all account communications (such as end-of-year tax forms and electronic statements). If you do not do so, you may not open an Account. If you withdraw your consent, we may close your Account.
Important Information about Procedures for Opening a New Account. To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an Account. What this means for you: When you open an Account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see a copy of your driver’s license or other identifying documents.
Account. The Account consists of an interest-bearing checking account used to hold your deposits and make payments and transfers to and from the Account. You will access your Account via the Paga App. If made enabled by Platform, the Account may include the use of a Card, which is linked to the Account for purposes of making payments and transfers to third parties. Additional information relating to use of the Card is set forth in Section J.
Password Security. You are responsible for maintaining adequate security and control of any and all user IDs, passwords, hints, personal identification numbers(“PINs”), or any other codes that you use to access the Account or Card. If you permit any other person(s), including any data aggregation service providers, to access or use your user IDs, passwords, hints, PINs, or any other codes that you use to access the Account or Card, you are responsible for any transactions and activities performed from your Account or Card and for any use of your personal and account information by such person(s). Do not discuss, compare, or share information about your account number or password unless you are willing to give them full use of your money. Any loss or compromise of the foregoing information and/or your personal information may result in unauthorized access to your Account or Card by third parties and the loss or theft of any funds held in your Account and any associated accounts. Electronic withdrawals are processed by automated methods, and anyone who obtains your Account number, Card or access device could use itto withdraw money from your Account, with or without your permission. You are responsible for keeping your email address and telephone number up to date in order to receive any notices or alerts that we may send you. We assume no responsibility for any loss that you may sustain due to compromise of your account login credentials due to no fault of Bank or the Company and/or your failure to follow or act on any notices or alerts that we may send to you. You agree to promptly review all Account and transaction records and other Communications that we make available to you and to promptly report any discrepancy to us.
Fee Disclosure. Except as set forth in_______, you are not required to pay Bank any fees in connection with this Account. Platform may charge additional transaction fees and other fees associated with the services provided to you. [If there are fees, they should be set forth in a separate fee schedule.]
Account Titling and Ownership. The Account may be owned and titled in the name of one (1) person who shall solely retain the right to direct the deposit or transfer of funds, or jointly. The Account cannot be owned or titled jointly by an organization, as Payable on Death (“POD”) or “In Trust For” (“ITF”).
Power of Attorney. You may wish to appoint a designated attorney-in-fact to conduct transactions on your behalf (in such capacity, your “Agent”). We have no duty or agreement whatsoever to monitor or insure that the acts of your Agent are for your benefit. We will not be required to follow the instructions of your Agent unless you have furnished us a power of attorney in a form or under circumstances acceptable to us. Unless you revoke it, a power of attorney continues until your death or the death of the person given the power. If the power of attorney is not “durable,” it is also revoked when you become incompetent. We may require your Agent to sign an affidavit stating that the power of attorney presented to us is a true copy and that, to the best of your Agent’s knowledge, you are alive and competent and that the relevant powers delegated to your Agent have not been amended or terminated. We may continue to honor the transactions of your Agent until:(1) we have received written notice of the termination of the authority or notice of your death, and (2) we have a reasonable opportunity to act on that notice. You agree not to hold us responsible for any loss or damage you may incur as a result of our following instructions given by an Agent acting under a valid power of attorney.
PrivacyPrivacy Policy. Bank’s privacy policy is available at https://www.mypaga.com/paga-web/customer/static/company/privacy (the "Privacy Policy"). By entering into this Agreement, you acknowledge that you have read and accepted the Privacy Policy.
Location of the Account. Your Account is established in the State of [Oklahoma].
Internet Gambling; Illegal Transactions. We may, but are not required to, deny authorization for any internet gambling transactions. You agree not to use your Account, Card or our services for online gambling or any illegal activity. We may refuse to process any transaction that we believe may violate the terms of this Agreement or applicable law. You acknowledge and agree that we have no obligation to monitor, review or evaluate the legality of your transactions and Account activity. You agree that using Bank or Company services or your Account or Card for illegal activity will be deemed an action of default and/or breach of contract and, in such event, our services and/or your Account may be terminated at our discretion. You further agree that should illegal use occur, you waive any right to sue us for such illegal use or any activity directly or indirectly related to it, and you agree to indemnify and hold us harmless from any suits, legal action, or liability directly resulting from such illegal use. To the fullest extent permitted by law, you agree to pay for any transaction that you authorized, even if that transaction is determined to be illegal.
Freezes, Blocking or Closing Accounts Due to Irregular or Unlawful Activities. You agreethat if Bank or the Company suspectsthat any irregular, unauthorized, or unlawful activity may be occurring inconnection with your Account or Card, Bank or the Company may “freeze” or placea hold on the balance in the Account pending an investigation of suchactivities. If Bank freezes your Account, Bank will give any notice required under the circumstances by the laws governing the Account. If Bank’s investigation confirms Bank’s suspicions of irregular, unauthorized, or unlawful activity then, notwithstanding anything to the contrary in this Agreement, Bank may immediately close your Account and Card, and may also close any or all other accounts, if necessary, to comply with applicable law. You agree that Bank may also freeze, block, or close your Account as necessary in order to comply with regulations issued by the United States Department of Treasury’s Office of Foreign Assets Control (“OFAC”).
Which Accounts Bear Interest. Your Account will bear interest as described in this Section D.
Rate Information. The initial interest rate and APY for the Account appear in the Account Opening Disclosures. This is a variable rate account. We may, at our discretion, change the interest rate and APY for your Account at any time; this may be changed daily. Paga will notify you of any change in the interest rate and APY for your Account by posting the new interest rate on the Paga App. [to be confirmed for each platform. Rate information required on each periodic statement.]
Accrual of Interest. Interest begins to accrue no later than the business day the deposit is credited to your Account. [needs to be modified depending on the Platform] Interest will be compounded daily and credited to your Account on a monthly basis. Account interest is calculated using the daily balance calculation method. This method applies a daily periodic rate to the principal balance in the Account each day. There are no minimum or maximum balance restrictions on your Account.
Forfeit of Uncredited Interest. If you close your Account after interest has accrued but before it is credited to your Account, you will forfeit that interest, and it will not be credited to your Account.
You request a demo of Bearer
We call you
You use Bearer
You receive emails from us
You chat with us for customer support
You opt-in to marketing messages
Deposits to the Account. You can make deposits into your Account using any of these methods:
* The limits included here are the highest limits allowed for transactions. However, we reserve the right to allow you to transact higher volume than the limits defined herein at any time without prior notice. In certain cases, for security reasons, we may lower your limits uponnotice to you at the time you attempt to initiate a transaction. Limits forInstant Account Funding are described in Section K below.
a) Linking BankAccounts. You may link an accountwith us or an external account at a third-party financial institution foronline transfers between your linked account(s) and your Account. You may linkyour external account(s) with your Account by (i) logging into your financialinstitution on the Paga App, or (ii) by providing the account and routingdetails for the external account and verifying the two (2) micro deposits wesend to your external account the next business day. We may also verify yourcontrol of the external account by requiring you to submit proof of ownershipof the external account(s). We may decline the use of any external account thatwe believe may present a risk to you and/or us. By linking your externalaccount to your Account, and by subsequently logging into your linkedaccount(s) through the Paga App, you authorize us to view your account historyand profile, including, but not limited to, your account and routing details,authentication details, balance, transaction history, contact information, andother related information made available by such external financialinstitution; and you understand this information may be used to transact onyour behalf and perform other services subject to our Privacy Policy and thePrivacy Policy of the Company. When adding an external account, you representand warrant that you are the owner of, and have the right to access, use andauthorize us to use the external account for information and funds transferpurposes. If any of your linked accounts has a joint account holder, yourepresent and warrant that the joint account holder has consented for you torepresent both you and them, and to use the external account with the Pagaservices. If you do not have such consent, you should not use that externalaccount, and we will terminate your use of the linking service if we arenotified of such a situation. If you close any of your external accounts, youare responsible for removing it as an account eligible for the linking serviceto avoid any transaction failure and possible charges related to a failedtransaction. We are not responsible for any acts or omissions by the externalfinancial institution or other provider of any linked external bank account,including, without limitation, any modification, interruption, or discontinuanceof any linked external bank account by such financial institution, serviceprovider or Paga.
b) Direct Deposits. If enabled by Paga for yourAccount, your Account number and bank routing number may be used for thepurpose of initiating direct deposits to your Account. The Account number andrecipient’s name on any direct deposit we receive must match your name. Anydirect deposit received in a name other than the name registered to the Accountwill be returned to the originator. If your Account number changes you mustimmediately notify your employer or any other payors. You must provide themwith the new Account number to ensure that your direct deposit activitycontinues uninterrupted. If you have arranged to have direct deposits made to your Account at least once every sixty (60) daysfrom the same person or company, you can contact Paga at the custome rservice contact information set forth in Section L below to find out whether or not the deposit has been made.
c) AccountFunding with Cards. If enabled byPaga for your Account, you may fund your Account with your debit or credit cardfrom an outside financial institution. To fund your Account using a debit cardyou must have avalid debit card issued by a U.S.-based bank or financial institution bearingthe Visa, MasterCard or Discover logo. If enabled by Paga for yourAccount, you may use one of those debit cards to fund your Account in InstantAccount Funding transactions, which are further described in Section K below.You may not use prepaidcards or gift cards with your Account. Please keep your card accountinformation current. If your card account number changes or your cardexpiration date changes, we may acquire that information from our financialservices partner and update your account accordingly. You may dispute a paymentmade with your card issuer if you used a debit card to fund your payment. Yourrights with respect to the card issuer may be broader than those availableunder this Agreement.
d) Wire Transfers. If enabled by Paga for your Account, you may fundyour Account with a wire transfer. When we accept a wire transfer payment orderinstructing payment to you or to your Account, we will notify you of ourreceipt of payment by indicating the amount in your Account statement. YourAccount statement will be the only notice of receipt which we will provide you,and no interest will be paid on wire transfer payments deposited into youraccount unless the account otherwise pays interest.
e) No Deposits inCash orPaper Checks. Bank will onlyaccept funds deposited electronically through Paga. We are not liable for anydeposits (including cash) lost in the mail, lost in transit, or not received byus. We do not accept (i) deposits in cash, cashier’s checks or money order or (ii)deposits of any type of check via mail. If we receive any of those instrumentsby mail, we will return it to the address we have for you on file. Onlydeposits made in accordance with the terms of this Agreement will be accepted.
f) Our Right toCharge Back Deposited Checks or Electronic Transfers. If you receive an electronic transfer as provided inthis Agreement and (i) the paying bank returns it to us unpaid;(ii) the paying bank demands that we repay them because the electronictransfer was fraudulent; or (iii) the sending bank or the originator of anitem demands that we return the item because it was unauthorized, sent to thewrong account number or procured by fraud, we may pay the return or demand, andsubtract the funds from your Account, even if the balance in your Account isnot sufficient to cover the amount we subtract or hold, causing an overdraft.If we have reason to believe that any of the events in the previous sentencehave occurred or may occur or that the item should not have been paid or maynot be paid for any other reason, we may place a hold on the funds or move themto a non-customer account until we determine who is entitled to them.
g) Right toReject Any Deposit. We may refuse anydeposit, with or without cause.. We are under no obligation to accept any item,wire, electronic funds transfer, or other transaction for deposit to yourAccount or for collection, and we may refuse to give value for any such transaction. We may restrict access to anydeposit credited to your account that violates any laws of the United States,including those giving rise to OFAC sanctions.
In addition to those withdrawals using your Card (if applicable) described in Section J below and Instant Push to Card Transactions(if applicable) described in Section L below, you can make withdrawals from your Account using any of these methods (if enabled by Paga):
*The limits included here are the highest limits allowed for transactions.However, we reserve the right to allow you to transact higher volume than thelimits defined herein at any time without prior notice. In certain cases, forsecurity reasons, we may lower your limits upon notice to you at the time youattempt to initiate a transaction. Limits for Instant Push to Card aredescribed in Section K below.
a) Instant Pushto Card. If enabled by Platform, youmay be able to send payments from your Account in Instant Push to Cardtransactions, which are further described in Section K below.
b) Wire Transfers. If enabled by Paga for your Account, you may makepayments or withdrawals from your Account via a wire transfer payment order.Payment orders will not be accepted until executed by us. We reserve the rightto refuse to accept any payment order.
c) No Overdrafts. You are not permitted to overdraw your Account. Ifthe available balance in your Account is at any time not sufficient to coverany payment or withdrawal you have authorized, we may refuse to process thepayment or withdrawal. If your Account balance becomes negative for any reason,you must make a deposit immediately to cover the negative balance. Ifyour Account has a negative balance of (i) $__or more, it will be closedimmediately and (ii) less than $__ for thirty (30) calendar days or more itwill be closed.[1] [2] If you fail to pay the amount of any overdraft, wereserve the right to refer your overdrawn Account to an attorney forcollection, and you agree to pay all reasonable expenses, including, but notlimited to, reasonable attorney’s fees and court costs, incurred by us as aresult of your Account being overdrawn.
d) Notice ofFurnishing Negative Information. Wemay report information about your Account to credit bureaus. Unpaid overdraftsmay be reflected in your credit report.Paga has business input here.cc @tayo@paga.com
Availability. We make funds available according to the type of deposit and when the funds are applied or credited to your Account. Some types of deposits may not be available for immediate use. When we delay the availability of funds or place ahold on a deposit made to your Account, you may not withdraw those funds, and we will not use them to pay any debits, such as ACH transfers or payments or, if available, transactions using your debit card during the deposit hold period. We have the right to refuse any deposit. If any direct deposit, ACH transfer or other transfer for which you have received credit is not paid for any reason, you agree to pay us the amount for which you have received credit. The length of the delay in the availability of funds will vary depending on thetype of deposit.
Business Days. The length of the delay in the availability of funds is counted in business days from the day your deposit is applied to your Account. For purposes of these disclosures, our business daycare Monday through Friday. Federal holidays are not included. Deposits received after the cut-off times provided in this Agreement or on a day Bank is not open will be processed the following business day that Bank is open.
Same Day Availability. Funds received from preauthorized electronicpayments, such as payroll direct deposits, will be available on the day wereceive the deposit. Funds from ACH credits that we receive from a verifiedexternal bank account will be available on the day we receive the deposit. Funds from internal transfers will be availableimmediately, and funds from InstantAccount Funding will be available within the same day.
Longer Availability. Electronictransfers depositing into the Account initiated through Paga may take up to five (5) business daysfrom the date of the initial request but will post on the payment date of thedeposit once the money has reached us.
How Your Account Balance and Available Balance are Determined. To avoid a negative balance and/or Bank’s refusal to process a transaction, it is necessary to understand how your Account balance is determined to avoid having non-sufficient funds in your Account. Your Account has two kinds of balances:the actual balance and the available balance. Your actual balance reflects thefull amount of all deposits to your Account as well as payment transactionsthat have been posted to your Account. It does not reflect transactions thathave been authorized but are still pending. Your available balance is theamount of money in your Account that is available for you to use. Youravailable balance is your actual balance less: (1) holds placed on deposits;(2) holds on debit card or other transactions that have been authorized but arenot yet posted; and (3) any other holds, such as holds related to any pledgesof Account funds and any minimum balance requirements or to comply with legalprocess. We use your available balance to determine whether there aresufficient funds in your Account to pay items, including drafts, ACH, debitcard and other electronic transactions, as applicable. Pending transactions andholds placed on your Account may reduce your available balance, in our solediscretion. Pending transactions and holds also may cause your Account tobecome overdrawn during the time the transaction is pending or a hold is ineffect. You may check your available balance and actual balance on the PagaApp, at an ATM, if a debit card has been issued,, or by contacting Paga at thecustomer service contact information set forth in Section L below.
How Transactionsare Posted to Your Account. There are two types of transactions thataffect your account: credits (deposits of money into your Account) and debits(payments out of your Account). It is important to understand how each isapplied to your Account so that you know how much money you have and how muchis available to you at any given time. This section explains generally how andwhen we post transactions to your Account. If we change these practices, we will provide you notice in accordance withthis Agreement.
a) Credits. Deposits are generally added to youraccount when we receive them. However, in some cases when you deposit funds,the full amount of the deposit may not be available to you at the time ofdeposit.
b) Debits. There are several types of debittransactions. Common debit transactions are generally described below. There are many ways transactionsare presented for payment by merchants, and we are not in control of whentransactions are received. We receive multiple data files every day from theFederal Reserve with ACH transactions Monday through Friday. If the day is a recognized federal holiday bythe Federal Reserve, we may not receive or process a file that day. For ACHtransactions that we receive at the same time, for example, all in the samedata file, ACH credit transactions are posted first and ACH debit transactionsare posted second in the order received by us. Bank posts ACH transactionsthroughout the day Monday through Friday, excluding federal holidays. PIN-BasedCard purchase transactions are purchase transactions using your Card for whicha merchant may require you to enter yourpersonal identification number (PIN) at the time of sale. They are processedthrough a PIN debit network. These transactions are similar to ATM withdrawaltransactions because the money is usually deducted from your available balanceimmediately at the time of the transaction. However, depending on the merchant,a PIN-based transaction may not be immediately presented for payment.Signature-Based Card purchase transactionsare purchase transactions using your Card that are processed through asignature-based network. Rather than entering a PIN, you typically sign for thepurchase; however, merchants may not require your signature for certaintransactions. Such signature-based transactions are not immediately presentedfor payment. InstantPush to Card transactions are deducted from your available balance immediatelyat the time of the transaction.
c) AuthorizationHolds. When you use your Card for certaintransactions, the merchant accepting your Card may request advanceauthorization of that transaction, and we may place a hold on your Account.This may be the case where you present your Card for payment at restaurants,gas stations, hotels and certain other retail establishments. Incertain situations, certain kinds of merchants are permitted to requestauthorization for a Card transaction in an amount different from the amount ofthe actual transaction. When we receive an authorization request from amerchant, we do not receive information from which to determine whether therequest covers the actual amount of a transaction, an estimated amount, orwhether the merchant’s request exceeds the amount permitted. Each hold willreduce the available balance in your Account by the amount of the hold, butwill not affect your actual balance. In the event the available balance in yourAccount (i.e., net of the hold) is insufficient to pay items posted to your Account,transactions will decline. An authorization hold is not payment for anauthorized transaction. The transaction is subsequentlyprocessed by the merchant and submitted to us for payment. Wewill make payment for a transaction only after the actual transaction ispresented to us physically or electronically. Thiscan happen hours or sometimes days after the transaction, depending on themerchant and its payment processor. These payment requests are received in realtime throughout the day and are posted to your Account when they are received.Many purchases that are done through the Internet or with a merchant wheregoods are ordered and to be delivered at a future date will create anauthorization at the time of purchase but the transaction may not be sent to usfor posting until the merchandise is shipped. Anyauthorization hold on your Account will be released upon the earlier of: (a)the day we: (i) receive the actual transaction, (ii) post that transaction toyour Account for payment, and (iii) match the authorization of that transactionto the actual transaction; or (b) five (5) business days after the date weauthorized the transaction. The release of the hold will be in the form of acredit to your Account for the amount of the original hold. Credits forreleased holds and payments for Card transactions are posted separately to yourAccount, and the credit for any particular hold is not used to pay theparticular transaction for which the hold was originally placed.
Electronic Transfers via Wire Transfer. If enabled by Paga, you may originate transfers toand from your Account via wire transfer as provided in Sections E and F of thisAgreement. Subject to the terms and conditions of this Agreement, you herebyauthorize Bank and Bank hereby agrees to honor, execute and charge to theAccount all requests for the wire transfer of funds you make through thePlatform. The Uniform Commercial Code (“UCC”) includes provisions relating towire transfers. The provisions define the following terms: funds transfer, paymentorder and beneficiary. The terms are used here as they are defined in Article4A of the UCC titled “Funds Transfers” as adopted by the State of [_______][1] . In general, a funds transfer is the process ofcarrying out payment orders that lead to paying a beneficiary. The paymentorder is the set of instructions given to bank to transfer funds. Thebeneficiary is the person or business who received the payment. You may submitdomestic and foreign U.S. wire transfer requests via Paga. Wire transfer requests will not beaccepted through any other medium. Incoming domestic U.S. and foreign wiretransfers to the Account are processed by the Bank. Wire transfer refers to thetransfer of funds through the Fedwire® Funds Service of Federal Reserve Banksor other means. Wire transfer does not include ACH transfers. [For outgoing wire transfers, afee is charged to Account associated with or originating the outgoing wiretransfer for outgoing wire transfers. Information about the fee can be foundbelow.]
Verification of Wire Transfer Requests. A wiretransfer request will be processed only if the request complies with Bank’ssecurity and verification procedures. [You must log into the Paga andpass two-factor authentication to submit a wire transfer request, and[2] ] further agree to comply with any other securityprocedures that Bank adopts now or in the future for initiation of wiretransfer requests. You agree that any wire transfer request, or request foramendment to or cancellation of a wire transfer request, as described below,made pursuant to Bank’s security and verification procedures, shall beconclusively deemed to be your instruction, whether or not you authorized thesame, and you will be required to pay Bank, and Bank is authorized to chargethe Account, for any such wire transfer.
Adequacy of Security and Verification Procedures. You acknowledge Bank’s security and verificationprocedures will not detect error in the transmission or content of the wiretransfer instruction and agree to be solely responsible for the discovery andidentification of any error and to advise Bank of such error as describedbelow. You agree Bank’s security and verification procedures as implemented byBank from time to time, are commercially reasonable, and you will be bound byany wire transfer instruction issued in your name and accepted by Bank incompliance with the procedures.
Wire Transfer Request Procedures and Accuracy. All wire transfer requests must conform to Bankprocedures, which may be amended by Bank from time to time. The proceduresinclude the method for submitting wire transfer requests and cut-off times. Youunderstand the accuracy of the account/routing/transit number associated with afinancial institution (“FI”) and the account number of a wire transferrecipient, i.e., the beneficiary, is critical. You acknowledge and agree thatBank and beneficiary’s FI may rely solely upon the account/routing/transitnumber or similar identifying number provided in the wire transfer request toidentify (a) the beneficiary and (b) the beneficiary’s FI. You are required topay Bank, and Bank is authorized to charge the Account, for any wire transfermade by Bank at your request using such account/routing/transit number orsimilar identifying numbers, even if you identified the beneficiary or FI byname. If there is a discrepancy in your wire transfer request between the nameof the beneficiary or the FI and such beneficiary’s account/routing/transit orsimilarly identifying number, Bank will, and is authorized to make payment onthe basis of such identifying number, even if it results in a beneficiary or FIother than the one designated by you by name being paid. If you give us apayment order that is erroneous in any way, you agree to pay the amount of theorder whether or not the error could have been detected by any securityprocedure we employ.
Time of Wire Transfer Request; Sufficient FundsAvailable. Regardless of what time orday you complete a wire transfer request through Paga, the business hours of the wire transfer departmentof the Bank determine when wire transfer requests are processed. Thebusiness hours and processing cut-off times appear below. The business hoursand cut-off times may be amended by Bank from time to time. Wire transfer requests receivedon a non-business day or after hours on a business day will be handled the nextbusiness day. Bank is not required to act on the day it receives a wiretransfer request if the request is received after business hours or Bank cannotreasonably execute the wire transfer request within such business hours. Bankis authorized to use any means for the transmission of funds Bank considerssuitable. Bank is not required to honor wire transfer requests, unless you havean Account balance of actually and finally collected funds sufficient to coverthe amount of the wire transfer and fees to be charged to the Account. If,because of circumstances beyond its control, Bank is delayed beyond the timelimits appearing below or by law in acting upon a wire transfer request, thetime for acting shall be extended for the time necessary to complete the action,if Bank exercises such diligence, as circumstances require.
Handling of Wire Transfer Requests, Amendments,Revocations and Discrepancies. Youmay ask Bank to amend or cancel any wire transfer or related instruction,subject to authentication using the procedures set forth above, and Bank willuse its best efforts to comply with such request if the request is made at atime and in a manner that gives Bank a reasonable opportunity to act on therequest before it makes the wire transfer or carries out the instruction as youoriginally requested; provided, however, you agree Bank shall not beresponsible and will have no liability for any loss resulting from any delay inhandling or completing a wire transfer request, or for Bank’s inability for anyreason to carry out a requested amendment or cancellation of a wire transferrequest. If you ask Bank to recover funds Bank has already transferred inaccordance with a wire transfer request, Bank may attempt to do so in its solediscretion, but Bank shall be under no obligation to seek recovery of anyfunds. If Bank grants a request to attempt to recover funds, Bank will takesuch action as it deems reasonable under the circumstances, including, forexample, sending a request to reverse the transfer to any FI that received suchfunds. In no event, however, shall Bank be deemed to have guaranteed orotherwise assured the recovery of any portion of the amount transferred, nor tohave accepted responsibility for any amount transferred before Bank receivedand had time to act upon the request to amend or cancel the wire transfer request.
Duties of Bank. The duties and responsibilities of Bank with respect to wire transfers arespecifically contained in this paragraph. Bank shall exercise the same degreeof care and discretion in acting upon an instruction for the wire transfer offunds as Bank would ordinarily take in the wire transfer of funds for its ownaccount; PROVIDED, HOWEVER, BANK SHALL NOT BE LIABLE FOR ANY ERROR OF JUDGMENTOR FOR ANY ACTION TAKEN OR OMITTED TO BE TAKEN BY BANK EXCEPT FOR GROSSNEGLIGENCE OR WILLFUL MISCONDUCT. Any claim for compensation by you must be made in writing and received byPaga at [____________] within a reasonable time, not exceeding fourteen(14) days from the date of the transaction on which the claim is based.
Fees and Charges. [A $__________fee is charged for each outgoing wire transfer request to the Accountassociated with or originating the outgoing wire transfer. Fees may also beassessed by the receiving and/or beneficiary financial institution(s) for awire transfer returned for insufficient or incorrect information provided byyou that prevented funds from being applied to the beneficiary account. Thefee(s) may vary and will be deducted from the funds returned to Account by thefinancial institution(s) charging the fee(s).]
Compliance with Laws. By using wire transfer services, you represent that (a) you are notlocated in a country that is subject to U.S. government sanctions, includingwithout limitation, the Crimea region of Ukraine, Cuba, Iran, North Korea, orSyria, or other U.S. government embargoes, (b) you are not a person, group orentity that has been designated by the U.S. government as a SpeciallyDesignated National (SDN) or in a “terrorist supporting” country, (c) you areauthorized under U.S. federal, state and local laws to conduct financialtransactions with Bank, (d) you are not subject to sanctions by the U. S.Department of the Treasury, Office of Foreign Assets Control (OFAC), and (e)you will not use the Account or any services provided by Bank to facilitatepayments, either directly or indirectly, to a sanctioned country, person, groupor entity. Bank vigorously enforces laws and regulations promulgated by OFACand, in accordance with OFAC rules, Bank reserves the right to: (i) check thenames of current and new customers against OFAC’s database, and (ii) blockand/or reject transactions until Bank is satisfied that you or any wiretransfer recipient parties are not subject to OFAC sanctions.
Hours of Operation and Cut-Off Times. Bank’s wire transfer department is open from _______ to _________,Monday through Friday. Outgoing wire transfer requests received before ________will be processed the same business day if funds are available. Incoming wiretransfers received between ________ and ___________ are processed thesame business day. Funds from incoming wire transfers are available the day thedeposit is applied to the Account. Wire transfers are not processed on weekends or Federal Reserve Bank holidays.
Remittance Transfers. All international wire transfers will be routed by us through one of our correspondent financial institutions. Wires cannot be sent directly tofinancial institutions in a country other than the U.S. Domestic wire transferswill settle only in U.S. Dollars. International wires may be in a foreigncurrency if accepted at our discretion. You will be responsible to ensure thatthe proper foreign currency is available and may be obtained through us.International wires are considered Remittance Transfers under the U.S.Remittance Transfer Rule and require certain disclosure, cancellation, anddispute rights be provided to you at the time each international wire isrequested. Remittance Transfer Rule requirements and timelines supersede anycontradicting disclosure, cancellation, or dispute requirements set forth inthis Agreement.
Special provisions of thefederal Consumer Financial Protection Bureau’s Regulation E govern certainoutgoing electronic international transactions initiated by consumers that aredefined as “Remittance Transfers.” Included within the definition of a RemittanceTransfer are wire transfers of funds from your Account that we may permit youto make under this Agreement to third parties who are located, or whoseaccounts are located, outside the United States. Among other things, this meansthat when you request a remittance transfer: (1) You will receive specificdisclosures about the details of the requested transfer before you will bepermitted to complete the transfer. (2) We will send you a special receiptcontaining additional information after you have made the transfer. (3) Youhave certain cancellation and refund rights in connection with these wires ifyou change your mind within 30 minutes after making payment and the funds havenot already been picked up or deposited into the recipient’s account. Theserights are briefly summarized below. (4) You have certain rights if you suspectan error or problem with a Remittance Transfer. These rights are brieflysummarized below. (5) Certain provisions of this Agreement, which limit ourliability to you or make you responsible for losses in various circumstances,do not apply and our or your liability or responsibility is instead governed bythe Regulation E Remittance Transfer rules. The Regulation E RemittanceTransfer rules provide that if you give us the incorrect account number orrecipient institution identifier, you could lose the transfer amount. (6) Theremay be provisions of this Agreement that are inconsistent with certain rightsor responsibilities of you or us under the Regulation E Remittance Transferrules. In the event of any such inconsistency, Regulation E will control andthis Agreement will be deemed modified so as to be consistent with theRemittance Transfer rules, without affecting the validity of any otherprovisions of the Agreement.
If you want to cancel a Remittance Transfer: you have the right to cancel a Remittance Transferand obtain a refund of all funds paid to us, including any fees if the fundshave not already been picked up or deposited into the recipient’s account.. Tocancel, you must contact Paga at __________ within 30 minutes of making paymentfor the transfer. When you contact us, you must provide us with information tohelp us identify the transfer you wish to cancel, including the amount andlocation where the funds were to be sent. We will refund your money withinthree business days of your request to cancel a transfer, as long as the fundshave not already been picked up or deposited into the recipient’s account.
If you think there has been an error or problem with aRemittance Transfer: (1) Call us at_____________; or (2) Write us at _____________. You must contact us within 180days of the date we promised that the funds would be made available to therecipient. When you do, please tell us:
(1) Your name andtelephone number or address;
(2) The error or problemwith the transfer, and why you believe it is an error or problem;
(3) The name of theperson receiving the funds, and if you know it, his or her telephone number oraddress;
(4) The dollar amount ofthe transfer; and
(5) The confirmation codeor number of the transaction.
We will determine whetheran error occurred within 90 days after you contact us, and we will correct anyerror promptly. We will tell you the results within three business days aftercompleting our investigation. If we decide that there was no error, we willsend you a written explanation. You may ask for copies of any documents we usedin our investigation.Please note that, becausewe utilize commercial wire systems to send these types of Remittance Transfers,they are not classified as “electronic fund transfers” under Regulation E, andaccordingly, the additional consumer disclosures set forth in in this Agreementunder the heading of “Electronic Funds Transfers Disclosures” do not apply.Please note also that domestic wires within the U.S. (both outgoing andincoming) and international wires into your Account are not subject to theRegulation E remittance transfer rules, and further, they are not subject tothe “Electronic Funds Transfers Disclosures” disclosures.
Debit Card. If enabled by Paga, you may use a Card toaccess or use funds in your Account. The Card is a debit card that allows youto have access to your Account to perform electronic funds transfers. You mustactivate your Card prior to use. You can activate it by purchasing acard and setting up a pin on the Paga App. You are responsible for all authorizedtransactions initiated and fees incurred in connection with use of the Card. Ifyou permit another person to have access to the Card or your Card credentials,we will treat this as if you have authorized such use and you will be liablefor all transactions and fees incurred by those persons. If you need to replaceyour Card for any reason, please deactivate the Card by notifying Paga via the websiteand/or mobile application, bycalling us at _at +1(626) 722-5443 or email athelp@paga.com..
Expiration Date. The expiration date of the Card is identified on the back of the Card. Youagree to sign the back of the Card immediately upon receipt. The Card is ourproperty and must be surrendered to us or discarded upon demand. The Card is adebit card. The Card is not a credit card. The Card is nontransferable, and itmay be canceled, repossessed, or revoked at any time without prior noticesubject to applicable law. We may refuse to process any transaction that webelieve may violate the terms of this Agreement.
Virtual Card. You may have the option of accessingyour Account with, in addition to your physical card, a virtual cardrepresented by a 16-digit account number (“Virtual Card”). The Virtual Card mayeither be single-use, meaning the 16-digit account number will expire after asingle transaction, or recurring-use, meaning you may use your 16-digit Accountnumber for multiple transactions. You may not use your Virtual Card to obtaincash anywhere.
PIN. You will be provided with a personal identification number(“PIN”), which must be used in all automated teller machine (“ATM”)transactions and certain PIN debit transactions when requested at the point ofsale. You should not disclose your PIN to anyone. If the security orconfidentiality of the PIN is compromised, please notify Platform at Platform’swebsite and/or mobile application in order to block your Card. Alternatively, you may notify Platform at the customer service contact information set forthin Section L below.
. You may use your Card to withdraw cashfrom your Account, pay for purchases at places that have agreed to accept the Card, and pay bills directly from your Account in the amounts and on the daysyou request. There are transactional (dollar) limits per day imposed on yourCard. The transactional limits imposed on your Card are provided in the tablebelow. These limits are the maximumamounts that you can spend with your Card per day andare subject to periodic review and to change based on your Account history,activity, Paga’s reviews and other factors. Wereserve the right to allow you to transact higher volume than the limitsdefined herein at any time without prior notice. Because of the limitationsimposed by some ATMs and in the event of equipment failure or unavailability,you may not be able to withdraw or to access funds even though you have notexceeded these limitations. The daily period to which the transactionallimits apply are on a rolling 24-hour basis.
Spending and Withdrawals Limits. You may use your Card to withdraw cashfrom your Account, pay for purchases at places that have agreed to accept theCard, and pay bills directly from your Account in the amounts and on the daysyou request. There are transactional (dollar) limits per day imposed on yourCard. The transactional limits imposed on your Card are provided in the tablebelow. These limits are the maximumamounts that you can spend with your Card per day andare subject to periodic review and to change based on your Account history,activity, Paga’s reviews and other factors. Wereserve the right to allow you to transact higher volume than the limitsdefined herein at any time without prior notice. Because of the limitationsimposed by some ATMs and in the event of equipment failure or unavailability,you may not be able to withdraw or to access funds even though you have notexceeded these limitations. The daily period to which the transactionallimits apply are on a rolling 24-hour basis.
Fees. . [We charge $10 forissuance of cards. You may use your Card at ATMs and cash dispensers. In suchcases, you might be charged a fee from such ATMs’ or cash-dispensers’operators, networks or merchants. You may be allowed to fund your Accountvia reload at the register services at retailers within [the GreenDot®network]. You may be charged a fee fromsuch retailer at the time of the transaction]
Foreign Transactions. If you make a purchase in a currencyother than dollars, the amount deducted from your Account will be converted by Visa Incorporated into dollars. The exchange rate between thetransaction currency and the billing currency used for processing internationaltransactions is a rate selected by Visa Incorporated from the range of rates available in wholesale currencymarkets for the applicable central processing date, which may vary from therate Visa Incorporated itself receives, or thegovernment-mandated rate in effect for the applicable central processing date.
Card not Present Transactions. If you use the 16-digit Card numberwithout presenting the Card in person (such as for a mail order, telephone, orinternet purchase), the legal effect will be the same as if you had physicallypresented the Card itself. For security reasons, we may limit the amount ornumber of such transactions you may make.
Processing Errors. We will rectify any processing errorthat we discover. If the error results in your receipt of less than the correctamount to which you are entitled, we will credit the Account for thedifference. If the error results in your receipt of more than the correctamount to which you are entitled, we will debit the extra funds from theAccount.
Card on File. If you keep your Card on file with amerchant or payee with authorization to bill that Card for recurring payments,or to make future purchases or payments, you may need to notify each merchantof your updated debit card information, such as a new card number or expirationdate, to ensure payments are uninterrupted.
No Warranty. We are not responsiblefor the delivery, quality, safety, legality, or any other aspect of the goodsand services purchased from merchants with the Card. All disputes concerningthose matters should be addressed to the merchants from whom the goods andservices were purchased. Merchants have no authority to make representations orwarranties on our behalf, to bind us or to enter into any agreement on ourbehalf. EXCEPT AS EXPRESSLY OTHERWISE PROVIDED IN THIS AGREEMENT OR REQUIRED BYLAW, WE MAKE NO REPRESENTATIONS OR WARRANTIES OF ANY KIND TO YOU, WHETHEREXPRESS OR IMPLIED, REGARDING THE CARD, INCLUDING, WITHOUT LIMITATION, ANYIMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE.
Receipts. You should get a receipt at the time you makea transaction using your Card. You agree to retain, verify, and reconcile yourtransactions and receipts.
Digital Wallets. You can add your Card to a digital walletby following the instructions of the digital wallet. The digital wallet may not be accepted in allplaces where your Card is accepted. We may terminate the ability for you to addthe Card to a digital wallet at any time. You should contact the digital walletprovider to remove a Card from the digital wallet. We can end or suspend yourability to use a Card with the digital wallet at any time. You are solelyresponsible for maintaining the security of your digital wallet credentials(including user identification, password or other access credentials). If youshare these credentials with any other person, you expressly authorize thatperson to have access to your personal information, to access your Account andto initiate charges to your Account using the digital wallet service. We currently donot impose a fee for using your Card with a digital wallet, but we reserve theright to impose a fee in the future.Please note that a digital wallet provider or another third party enabling orassociated with your use of a digital wallet may charge a fee for using yourCard with such digital wallet service. We are not aprovider of any digital wallet service that you may choose to use, and we arenot responsible for providing the digital wallet service to you. We are onlyresponsible for supplying information securely to the digital wallet providerto enable usage of the Card in such digital wallet. We are not responsible forany failure of the digital wallet or the inability to use the digital walletfor any transaction. We are not responsible for the performance ornon-performance of the digital wallet provider or any other third partiesregarding any agreement you enter into with the digital wallet provider orassociated third-party relationships that mayimpact your use of the digital wallet. YOU EXPRESSLY ACKNOWLEDGE AND AGREE THATUSE OF A DIGITAL WALLET SERVICE IS AT YOUR SOLE RISK, AND WE ARE NOTRESPONSIBLE FOR THE RISK AS TO SATISFACTORY QUALITY, PERFORMANCE, OR ACCURACY.You agree that we may exchange your information with your digital walletprovider, a payment network (e.g., Visa and Mastercard), and others in order toenable your use of a digital wallet service, make information available to youabout your Card transactions, and improve our ability to offer our services inconnection with a digital wallet service. We do not control how digital walletproviders or other third parties use the information received in connectionwith digital wallet services, and the use of such information is governed bysuch party’s privacy policy. We are not responsible for the security of theinformation provided to any digital wallet provider or stored in a digitalwallet. We are not responsible if a security breach occurs that affects anyinformation stored in, or sent from, a digital wallet. We do not recommend Paga permit thispractice.We charge fees for card creation andissuance
If enabled by Platform,you may fund your Account instantly using an eligible debit card (InstantAccount Funding) or instantly transfer funds from your Account to an eligibledebit card (Instant Push to Card). You will have to link the debit card to theAccount using the Paga App and provide such additional information requested onthe Paga App regarding the transaction, and the debit card must be enabled bythe payment network for instant transfer services. These transactions operatethrough card networks (VisaDirect and Mastercard MoneySend). [describe any feescharged to customer] Limits for Instant Account Funding and Instant Pushto Card transactions are set forth below. Theselimits are subject to periodic review and to change based on your Accounthistory, activity, Paga’s reviews and otherfactors. We reserve the right to allow you to conduct transactions in excess ofthe limits at any time without prior notice. Additional limits may be imposedby other financial institutions involved in Instant Account Funding and InstantPush to Card transactions that are outside of our control.
You will not use InstantAccount Funding or Instant Push to Card transactions to violate any applicablelaw or regulation, including OFAC rules. Instant Account Funding and InstantPush to Card transactions may fail, be rejected or be delayed due to a reviewby us or other financial institutions involved in the transactions, such as forfraud, regulatory, or compliance reasons, or if the transaction exceedsapplicable limits. An Instant Account Funding transaction also may fail or berejected for the following reasons, without limitation: (i) there areinsufficient funds available in the sender's account; (ii) you reject thepayment or decline to receive such payments generally; (iii) the paymentexceeds the sender's limits; (iv) your Account is closed, invalid, orineligible to receive such payments, or is being monitored for suspectedfraudulent or other illegal activity; and (v) the sender's account is beingmonitored for suspected fraudulent or other illegal activity. By submitting a requestfor an Instant Push to Card transaction, you irrevocably and unconditionallyauthorize us to deduct the amount from your Account and to initiate thatpayment transaction. We may deduct this amount immediately upon receipt of yoursubmission of the request. You should only use Instant Push to Cardtransactions to make payments to persons who you know. You are responsible forverifying that the information for the receiver of an Instant Push to Cardtransaction is accurate and complete. We have no obligation to verify theaccuracy or completeness of that information. We may reject a requested InstantPush to Card transaction if you do not have sufficient funds in your Accountfor that transaction. An Instant Account Funding transaction also may fail orbe rejected for the following reasons, without limitation: (i) if the recipientrejects the payment or declines to receive such payments generally; (ii) yourAccount is closed, invalid, or ineligible to send such payments, or is being monitoredfor suspected fraudulent or other illegal activity; and (iii) the recipient'saccount is being monitored for suspected fraudulent or other illegal activity. Any dispute between youand a sender or receiver of an Instant Account Funding or Instant Push to Cardtransaction must be resolved directly between you and the sender or receiver.We have no responsibility for, and shall not be liable to you in connectionwith, any dispute between you and a sender or receiver.
