bSolo Customer Agreement

Last Updated: June 19, 2018

This document describes the features, policies, fees, disclosures, and risks associated with your bSolo account. This is the agreement, or contract, that governs your bSolo service relationship with bSolo. Read this document carefully and keep a copy for your records.

This document is a legally binding agreement (the “Agreement”) between you (“User,” “you,” and “your”), and Fidelity Labs, LLC, dba bSolo, and its successors and assigns (the “Company,” “bSolo,” “we,” “us” and “our”). Your use of the bSolo website and all affiliated websites owned and operated by us (together with any successor site(s) thereto, collectively, the “Site”) and our products, services, and applications (together with the Site, and your Account (as defined below) the “Services”) are subject to this Agreement. As used in this Agreement, “Account” means the online user account you have with bSolo that will allow you access to the Services. This Agreement also incorporates the bSolo Privacy Policy located at www.bsolo.com/privacy-policy (the “bSolo Privacy Policy”).

BY USING THE SERVICES, YOU AFFIRM THAT YOU ARE AT LEAST 18 YEARS OF AGE (OR OLDER IF YOU RESIDE IN A STATE WHERE THE MAJORITY AGE IS OLDER).

THIS AGREEMENT CONTAINS A MANDATORY Agreement to Arbitrate THAT, AS FURTHER SET FORTH BELOW, REQUIRES THE USE OF ARBITRATION ON AN INDIVIDUAL BASIS TO RESOLVE DISPUTES, RATHER THAN JURY TRIALS OR ANY OTHER COURT PROCEEDINGS, OR CLASS ACTIONS OF ANY KIND.

By entering into this Agreement, you are providing your authorization for us to communicate your instructions to the Bank Parties (as defined below) to initiate transfers to or from the personal bank account you specify to us (“Personal Bank Account”) and the deposit account (the “Evolve Deposit Account”) held in your name by Evolve Bank & Trust, Member FDIC (the “Bank”), via the automated clearinghouse network (“ACH”), for purposes of making tax payments to federal and state authorities via either the ACH and/or via physical check, or to correct erroneous transfers. The services and actions described in this paragraph, as well as the other banking, money transmittal and related services and actions performed by the Bank or on behalf of the Bank by its agents (collectively, the “Bank Parties”), are referred to as the “Bank Services.” For the avoidance of doubt, the Services do not include any Bank Services, and all such Bank Services are performed by the Bank Parties and not bSolo or the Service Providers (as defined in this Agreement under the “About bSolo” heading).

We reserve the right to modify this Agreement at any time by notifying you of any alterations or modifications by any reasonable means, including by posting a revised Agreement to the Site at www.bsolo.com/user-agreement or by sending a notice via the email address you provide to us, along with their effective date. You agree to read any and all alterations or modifications to this Agreement, and, by continuing to use the Services and your Account, you agree to be subject to any such alterations or modifications. Accordingly, if you do not agree to be subject to any modifications or alterations to this Agreement, you agree to cease usage of your Account, the Site, and the Services. The “Last Updated” legend above indicates when this Agreement last changed.

About bSolo

bSolo provides a platform through which the self-employed may pay their quarterly estimated taxes. Based on the information and instructions you provide, every time you get paid a portion of your earnings will be set aside to be used to pay your quarterly estimated taxes.

bSolo is neither a bank nor a money transmitter, and does not provide tax or money movement advice or services. In addition to the Bank Services provided by Bank Parties, bSolo works with third party service providers(collectively, the “Service Providers”) to provide the Services. The Service Providers may verify your identity, manage and transmit your data, and communicate with the Bank Parties in connection with the Bank Parties’ performance of fund transfers and processing of payments on your behalf, in each case, in connection with the Services. The Bank Parties may verify your identity, manage and transmit your data, hold your funds, perform fund transfers, and process payments on your behalf in connection with the Bank Services. The Service Providers and Bank Parties have their own terms, disclosures, and consent agreements. By using the Services, you agree to carefully review the Schedule of Service Providers and Bank Parties included in this Agreement as Attachment A (the “Schedule of Third Parties”), and to also carefully review those Service Providers’ and Bank Parties’ specific terms of use, user agreements, and privacy policies (links to such documents are provided in the Schedule of Third Parties). You may be required to expressly enter into the terms of use, the user agreement, and the privacy policy of certain Service Providers and Bank Parties to receive the Services and Bank Services.

We may change any Service Provider or Bank Party at any time at our sole discretion, and will provide you with notice of any such change via the email address you have provided to us. From time to time, you may receive disclosures, correspondence, or other documents from the Service Providers or Bank Parties. By using the Services and Bank Services you acknowledge and agree that you will read and, if necessary, respond to any correspondence, documents, disclosures, or information you receive from the Service Providers and Bank Parties, as applicable.

bSolo is also not a certified tax preparer or financial adviser, and the Services are not intended to provide tax advice for any individual’s personal financial situation.

We work with you to communicate your instructions to the Bank Parties to move funds and submit tax payments solely pursuant to your direct instruction, and we recommend that you independently consult a tax or financial advisor prior to providing any such instruction.

In order to perform the Services, (1) Your Personal Bank Account into which funds for your independent work are deposited will be monitored for such deposits; (2) Each time a deposit is detected, a percentage of that deposit will be calculated as a dollar amount, based on your instructions, and then identified as funds to be moved by the Bank Parties to your Evolve Deposit Account where your funds set aside for taxes are maintained; (3) You will receive notifications each time a new deposit is detected, when a Bank Party begins to move your set aside amount, and when a Bank Party completes the transfer process; (4) Near the time that quarterly estimated tax payments are due, Bank Parties will (based on your instructions) make payments to your specified tax authorities using the funds that you have asked to be set aside from each income deposit you receive in your Personal Bank Account. All Bank Services, including the movement of funds and the provision of Evolve Deposit Accounts, are provided by the Bank Parties. It is your responsibility to review all deposits and transfers, as well as any correspondence from bSolo, and to immediately report any errors to us using the Communications Process described in the “Contacting Us” section below. bSolo is not responsible for transfers of funds from non-income deposits into the Evolve Deposit Account.

Contacting Us

If you need to contact us at any time for any reason, email us at support@bsolo.com with a brief description of how we may assist you. We will then contact you by email or telephone within one (1) business day of our receipt of your email. Do not include any bank account, credit card, or other financial or sensitive information (such as social security number) in any email that you send to us; likewise, we will never request sensitive information from you via email. The process described in this section will be referred to in this Agreement and the Agreement to Arbitrate as the “Communications Process.”

Safeguarding Your Login Credentials

You are required to register with bSolo in order to access and use the Services (including your Account). Your Account is separate and distinct from your Evolve Bank Account, which is maintained directly with the Bank. When you sign up for the Services and create an Account, you will be asked to provide a username or email and create a password (“Login Credentials”).

You are responsible for protecting your Login Credentials from unauthorized use, and you are responsible for reviewing any and all activity that occurs on your Account. You agree to notify the Company immediately if you believe that your Login Credentials have been or may be used without your permission. The Company is not responsible for losses or damage caused by your failure to safeguard your Login Credentials. You are responsible for keeping your Login Credentials up to date through your Account dashboard.

The Company reserves the right to disable any Login Credentials, username, password, or other identifier, whether chosen by you or provided by us, at any time in our sole discretion for any or no reason, including if we have reason to believe you have violated any provision of this Agreement. We will notify you by email if your Login Credentials are disabled. You agree that if you do not respond to this email within five (5) business days, you may no longer receive the Services, which may result in the tax payment instructions you have provided to us not being carried out by the Banking Parties. It is your responsibility at all times to ensure that your taxes are paid.

If your Login Credentials are lost or stolen, or if you believe there has been unauthorized access to your Account, you agree to notify us immediately at support@bsolo.com. We will respond within one (1) business day of our receipt of your email. We also strongly recommend changing your password as soon as possible.

Your Registration Requirements

To use the Services, you must: (i) agree to the terms of this Agreement; (ii) read, review and agree to all terms, conditions, agreements, and privacy policies for the Bank Parties and all Service Providers listed in the Schedule of Third Parties; (iii) be a US citizen or a legal US resident of at least 18 years of age (or older if you reside in a state where the majority age is older); (iv) have a Personal Bank Account with a US financial institution; and (v) provide all the information we request on the Site, such as your name, email address, mobile device number, and Personal Bank Account information.

When instructed, you agree to provide documents to verify your identity and ensure completion of the tax payment process (which is performed by the Bank Parties), such as a copy of your government-issued ID, passport, driver’s license, or a utility bill, bank statement, some other bill dated within three months of our request, with your name and US residential address on it, or an affidavit—as well as your filing status and other tax-related information. You must notify us of any changes to your street number, street, city, state, zip code, telephone number, and your Personal Bank Account information (collectively, your “User Information”) by emailing us atsupport@bsolo.com using the Communications Process.

You represent, warrant, and covenant that all User Information you provide us from time to time is truthful, accurate, current, and complete, and you agree not to misrepresent your identity or your User Information. bSolo may terminate this Agreement at any time, as well as terminate the Services at any time and at our sole discretion, or in the case of willful misrepresentation of your identity or your User Information. You understand that under these circumstances, you will no longer receive the Services, which may result in the tax payment instructions you have provided to us not being carried out by the Banking Parties. It is your responsibility at all times to ensure that your taxes are paid.

By using the Services and providing User Information to us, you automatically authorize us to share your information with the Bank Parties and the Service Providers listed in the Schedule of Third Parties as necessary in order to provide the Services to you and take actions based on your instructions.

The Registration Process

The registration process to sign up for the Services requires that you successfully complete the following steps:

  1. Sign up for your Account by entering your email address, selecting the state in which you’d like to pay taxes, and creating a password;
  2. Provide User Information, which will be used: a) to provide the Services to you; b) so that the Bank Parties can assist you in opening the Evolve Deposit Account at the Bank in your name; and c) to provide instructions to allow the Bank Parties to transmit your quarterly estimated tax payments;
  3. Link the Personal Bank Account where you receive your income deposits for your work;
  4. Specify a quarterly tax payment amount in dollars you wish to pay to the IRS and state(s), as well as a percentage of each income deposit you receive in your Personal Bank Account that will be used by the Bank Parties to move money to your Evolve Deposit Account;
  5. Select a billing plan for the Services, and select the method by which you wish to be billed for the Services; and
  6. Successfully complete the Evolve Deposit Account opening process for the Bank (as described in the following paragraph).

The Bank, in its sole discretion, as determined by its policies and procedures and applicable law or regulation, may decline to open an Evolve Deposit Account for you. If the Bank declines to open an Evolve Deposit Account for you, then (a) you will not be permitted to use the Services, (b) you will receive notice that your Account has not been created, and (c) you will not be billed for the Services.

Your Registration Obligations

As a bSolo user, you are responsible for obtaining and maintaining any computer equipment and services needed to access the Site and Services, including the ongoing costs of such equipment services, as described further in the Hardware and Software Requirements section below. When you access the Services through a mobile device, your wireless carrier’s standard charges, data rates, and other fees may apply. The Company may also restrict access to portions of the Services for some or all users from time to time. The Services may also be unavailable due to maintenance or for other reasons. Your use of the Services does not guarantee delivery of any future functionality or features. We aim to enhance the Services through future functionality updates, and you agree use of the Services is not dependent or in reliance on any oral or written public comments made by the Company related to possible such future functionality or features. Company is not liable or responsible for any result or consequence of the unavailability of any part of the Services at any time or for any period.

Your Communications Requirements

You agree and consent to receive and store electronically all records, notices, statements, communications, and other items for all Services provided to you under this Agreement and in connection with your relationship with us. The communications between you and us use electronic means, whether you visit the Site, use the Services, or send us an email, or whether we post notices on the Site or through the Services, or communicate with you via email. You consent to receive all communications from us in an electronic form and you agree that all terms and conditions, agreements, notices, disclosures, and other communications that we provide to you electronically satisfy any requirements that such communications would satisfy if it were in writing.

You have a right to withdraw your consent to receive communications from us. You can do this by changing your account preferences or contacting us at support@bsolo.com.

If you withdraw your consent to receive communications from us, you will no longer be able to use the Services, and your Account will be deactivated. If you withdraw consent to receive further communications, we will close your Account and will treat the withdrawal of consent as our authorization to communicate your instructions to the Bank Parties to return your balance from the Evolve Deposit Account to your Personal Bank Account and to close your Evolve Deposit Account. Any withdrawal of your consent to receive communications electronically will be effective only after we have had sufficient time to process your request for withdrawal. Withdrawal of your consent to receive communications does not apply to any communications we sent to you before the date on which we process your withdrawal.

You agree to keep your communication details and personal information current with us. To ensure that we can send you communications and perform the Services, you must notify us of any changes in your email address, mobile device number, and by using the Communications Process.

We will send to you via email a monthly account statement that summarizes all activity related to your Account for the preceding month, including the beginning and ending balances of your Evolve Deposit Account (based on information provided to us by the Bank Parties) (the “Account Statement”). You agree to carefully review each Account Statement, as well as all other communications sent to you by bSolo. You must contact bSolo at support@bsolo.com within sixty (60) days after the first Account Statement is sent that you believe contains any errors, and provide the following: (i) Your user name; (ii) a description of the error or the transaction that you believe is in error; (iii) a clear explanation of why you believe there is an error or why you are seeking additional information about the alleged error; and (iv) the dollar amount of the suspected error.

You agree to print and save/or electronically store a copy of all communications and documents we send you.

Authorization to Contact You

We may contact you using autodialed or prerecorded calls and text messages, at any telephone number that you have provided us, to: (i) notify you regarding your Account, the Site, or the Services; (ii) troubleshoot problems with your Account or the Services; (iii) resolve a dispute; (iv) collect a debt; (v) poll your opinions through surveys or questionnaires; or (vi) as otherwise necessary to service your Account or enforce this Agreement, our policies, applicable law, or any other agreement we may have with you. We may also contact you using autodialed or prerecorded calls and text messages for marketing purposes (e.g., offers and promotions), if you consent to such communications. We may collect other telephone numbers for you and may place manual non-marketing calls to any of those numbers and autodialed non-marketing calls to any landline. Standard telephone minute and text charges may apply and may include overage fees if you have exceeded your plan limits. If you do not wish to receive such communications, you may change your communications preference at any time by emailing us at support@bsolo.com. You agree that choosing to opt out of such communications may render your Account unusable, and we reserve the right to close your Account under such circumstances.

We may share your telephone number and contact information with our Service Providers and the Bank Parties. These Service Providers may contact you using autodialed or prerecorded calls and text messages, only as authorized by us to carry out the Services, and the Bank Parties may contact you using autodialed or prerecorded calls and text messages to carry out the Bank Services pursuant to your separate agreement with the Bank Parties.

We may, without further notice or warning and in our discretion, monitor or record telephone conversations you or anyone acting on your behalf has with us or our agents for quality control and training purposes, or for our own protection.

Hardware and Software Requirements

In order to access and retain Communications (defined as any and all communications via email, mobile, or other means) provided to you electronically, you must have: (i) a valid email address; (ii) a computer or other mobile device (such as tablet or smart phone) that operates on a platform like Windows or a Mac; (iii) a connection to the Internet; (iv) a Current Version of Internet Explorer 8 (or higher), Mozilla Firefox 7.0, Safari 5, or Chrome 15; (v) a Current Version of a program that accurately reads and displays PDF files, such as Adobe Acrobat Reader version 7 or higher; (vi) a computer or device and an operating system capable of supporting all of the above; and (vii) a printer to print out and save Communications in paper form or method of electronic storage to retain Communications in an electronic form. “Current Version” means the version of the software that is currently being supported by its publisher.

Authorizing ACH Debits and Credits

You authorize us to communicate to the Bank Parties your instructions to initiate transfers to or from your Personal Bank Account and your Evolve Deposit Account, each as directed by you, and if applicable, to correct erroneous debits and credits via ACH, as described in this Agreement (the “ACH Authorization”).

Authorization to Debit Personal Bank Account. You authorize us to communicate your instructions to the Bank Parties that authorize the Bank Parties to debit your Personal Bank Account for the amount of the chosen percentage specified in the registration process. Debits to your Personal Bank Account may vary between $0 and $5,000 (debits to your Personal Bank Account are limited to $5,000 per business day and $15,000 per month). Debits to your Personal Bank Account may occur up to 3 times per business day. You will receive a notification via email notifying you that an income deposit to your Personal Bank Account has been detected, and then bSolo will communicate to the Bank Parties your instruction to move your chosen percentage of that deposit from your Personal Bank Account to your Evolve Deposit Account. The email notification provides instructions on how to cancel this scheduled transaction. After a scheduled transaction is settled in your Evolve Deposit Account, you may elect to cancel the transaction, and the Bank Parties will return the transfer to your Personal Bank Account. It is your responsibility to monitor and confirm the accuracy of all transfers and deposits.

In the event a debit to your Personal Account exceeds the $0 – $5,000 range described above, you will be, as required by applicable law, provided with written notice of the amount and date of the transfer at least 10 days before the date of such transfer.

Authorization to Debit Evolve Deposit Account. You authorize us to communicate your instructions to the Bank Parties that authorize the Bank Parties to debit your Evolve Deposit Account for refund to your Personal Bank Account or pay taxes. Debits to your Evolve Deposit Account may vary between $0 and $15,000.

In the event that a debit to your Evolve Deposit Account exceeds the range described above, you will be, as required by applicable law, provided with written notice of the amount and date of the transfer at least 10 days before the date of such transfer. While Federal law gives you the right to receive advance notice of all debits that vary in amounts to the Evolve Deposit Account, opting to receive all such notices will result in your inability to use the Services resulting in the closure of your Account and we will treat such action as our authorization to communicate your instructions to the Bank Parties to return your balance from the Evolve Deposit Account to your Personal Bank Account and to close your Evolve Deposit Account.

You acknowledge that the ACH Authorizations contained in this section will be provided to the Bank, and represents your written authorizations for ACH transactions requested by you and will remain in full force and effect until you notify bSolo that you wish to revoke these authorizations by emailing support@bsolo.com. You understand that bSolo requires three (3) business days prior notice in order to cancel these ACH Authorizations. You agree that choosing to revoke such ACH Authorizations will render your Account unusable, and we reserve the right to close your Account under such circumstances.

Interest on Funds Held in Your Evolve Deposit Account

You agree that you will not receive interest or other earnings on the funds in the Deposit Account with the Bank that contains funds that you direct to be used for the payment of your taxes.

Pricing, Fees, Billing, and Unpaid Obligations

bSolo will provide Services to you at the subscription fees described at www.bsolo.com/pricingwhich describes all fees and payment terms associated with your AccountWe may change fees and pricing at any time in our sole discretion, and any change to our pricing or payment terms shall become effective in the billing cycle following notice of such change to you as provided in this Agreement. We, will, however, attempt to provide you with thirty (30) days’ advance notice by email before any such fee or pricing changes become applicable to you. Your continued use of your Account, the Site, or the Services after effective date of the change serves as your agreement and consent to the revised fees and charges. In addition to payment of fees, you are responsible for penalties or fines resulting from unauthorized use of the Services, and any fees or charges arising from debits or credits to your Account, such as overdraft fees.

You are responsible for paying any and all applicable fees associated with the Services in a timely manner with a valid payment method. All fees for the Services are quoted in U.S. Dollars. All payments for the Services must be made electronically by the methods specified on the Site or the Services, currently by debit or credit card. You agree that we may or may direct our Service Providers to charge your selected payment method for any such fees owed. You are required to keep your billing information current, complete, and accurate (e.g., a change in billing address, credit card number or expiration date) and to notify us if your selected payment method is cancelled. We may add new services for additional fees and charges, or add or amend fees and charges for existing services, at any time in our sole discretion. Any change to our pricing or payment terms shall become effective in the billing cycle following notice of such change to you as provided in this Agreement.

Depending on the billing plan you select in your Account registration process, you will be charged for the Services on a recurring monthly or quarterly basis until you instruct us otherwise using the Communications Process. You will receive an email confirmation every time you are charged for the Services. Your billing plan will automatically renew monthly or quarterly, depending on which billing plan you have selected. You may change your billing plan Account by emailing us as specified in the Communications Process.

Transactions associated with the Services may result in additional fees or other monetary consequences for you that may be assessed by us or our Service Providers. Note that at any time we or our Service Providers may debit your available balance in your Account to cover obligations that have occurred but have not yet been debited.

Depending on the billing plan you’ve chosen, your debit card or credit card will be billed on a recurring monthly or quarterly basis, at the then current billing fees established by us and our Service Providers.

This section, along with any other provision related to assessment of any fees, will survive any termination or suspension of this Agreement, the Site, or the Services, closure of your Account, or termination or cancellation of this Agreement.

Evolve Deposit Account Fees and Charges

Transactions associated with the Bank Services (such as a returned item fee) may result in additional fees or other monetary consequences for you that may be assessed by us or the Bank Parties. Note that at any time the Bank Parties may debit your available balance in your Evolve Deposit Account to cover obligations that have occurred but have not yet been debited.

You will be responsible and liable for any fees, charges, expenses and other amounts (including reasonable attorneys’ fees) incurred by the Company as a result of your use of the Bank Services, including the following actions: (a) negative Evolve Deposit Account balances, (b) transaction returns (e.g., non-sufficient funds) and (c) reversals from chargebacks (e.g., unauthorized activity) per the Electronic Fund Transfer Act (15 U.S.C. § 1693 et seq. as may be amended), Regulation E, and NACHA guidelines (see achrulesonline.org for more information).

This section, along with any other provision related to assessment of any fees, will survive any termination or suspension of this Agreement, the Site, or the Services, closure of your Account, or termination or cancellation of this Agreement.

Payment of Estimated Taxes

You authorize (i) the Bank Parties to direct funds that have been set aside in your Evolve Deposit Account to the IRS and to the state (if applicable) that you specify in the Account opening process to pay your estimated quarterly taxes, and (ii) for us to communicate such authorization to the Bank Parties on your behalf. Your funds will be held in the Evolve Deposit Account at the Bank. If there are insufficient funds in the Evolve Deposit Account to cover an estimated quarterly tax payment, your complete tax obligation may not be paid. Any shortfall is your responsibility. In order to avoid a shortfall, you may transfer money into your Evolve Deposit Account directly prior to the estimated quarterly tax payment by using the tools in your Account Dashboard from your linked bank account. Payment of all applicable taxes is solely your responsibility at all times.

Actions taken by the Bank Parties in connection with the payment of your estimated quarterly taxes are based on the information and direction provided you, and you are responsible for the accuracy and completeness of such information and direction.

Ownership, Copyright, Trademarks

Our “Content,” which we provide through our Services, includes all information, data, logos, marks, designs, graphics, pictures, sound files, other files, and their selection and arrangement. Information, materials and other content provided by users is called “User Content.” Other than User Content, all Content is owned or licensed by us and is protected by copyright, trademark or other intellectual property law. Our Content is provided “as is” and without representation or warranty, and you are responsible for any actions or inactions that you take based on the Content.

We offer the Services and the Content solely for your personal use for the purposes described therein and in this Agreement. Any and all other uses are prohibited. You may not restrict or inhibit any other person from using or enjoying the Services or Content.

We may store and/or preserve User Content and may also disclose User Content to our Service Providers and the Bank Parties, otherwise in accordance with this Agreement and the bSolo Privacy Policy, and if required to do so by law or in good faith believe that such preservation or disclosure is reasonably necessary to: (i) comply with any law or regulation; (ii) enforce this Agreement; (iii) respond to any claim that User Content violates rights of third parties in accordance with this Agreement; and/or (iv) protect rights, property, or interests of the Company and its agents and representatives.

You hereby grant to bSolo a royalty-free, worldwide, transferable, sub-licensable, irrevocable, perpetual license to use or incorporate into the Services any suggestions, enhancement requests, recommendations, or other feedback provided by you to bSolo that is related to the Services, including all User Content, and any product feedback you provide directly to bSolo or about bSolo on any public forum or message board.

We have the right, but not the obligation, to monitor, evaluate, alter or remove User Content and analyze User Content to determine your or its compliance with this Agreement and other applicable rules that we may establish.

We and our Service Providers and third-party licensors own the Services, which are protected by proprietary rights and laws. All trade names, trademarks, service marks and logos in the Services not owned by us are the property of their respective owners. You may not use our trade names, trademarks, service marks or logos in connection with any product or service that is not ours, or in any manner that is likely to cause confusion. Nothing contained in the Services should be construed as granting any right to use any trade names, trademarks, service marks or logos without the express prior written consent of the owner. Reference to any products, services, processes or other information, by tradename, trademark, manufacturer, supplier, or otherwise does not constitute or imply endorsement, sponsorship, or recommendation. Any logos, trademarks, registered trademarks, product names, and company names used or displayed by any of our Service Providers or Bank Parties on their websites or documentation are the sole responsibility of that Service Provider or Bank Party, as applicable, and such use has not been specifically approved by us.

Your User Content is your responsibility. We have no responsibility or liability for any loss or damage related in any way to your User Content. At our sole discretion we may remove, screen, or edit without notice any User Content posted or stored on the Site or through the Services, and we may do this at any time and for any reason. You are solely responsible for maintaining copies of any User Content you post or store on the Services.

You represent, warrant and covenant that you have all rights necessary to grant the licenses granted in this section, and that your User Content, and your provision thereof through and in connection with the Services, is complete and accurate, and is not fraudulent, tortious or otherwise in violation of any applicable law or any right of any third party. You further irrevocably waive any “moral rights” or other rights with respect to attribution of authorship or integrity of materials regarding your User Content that you may have under any applicable law under any legal theory.

This section will survive any termination or suspension of this Agreement, the Site, or the Services, closure of your Account, or termination or cancellation of this Agreement.

Prohibited Uses

You may use the Services only for lawful purposes and in accordance with this Agreement. You agree not to use the Services to: (i) violate any applicable federal, state, local or international law or regulation (including, without limitation, any laws regarding the export of data or software to and from the US or other countries); (ii) impersonate or attempt to impersonate the Company, a Company employee, another user or any other person or entity (including, without limitation, by using e-mail addresses associated with any of the foregoing); or (iii) engage in any other conduct that restricts or inhibits anyone’s use of the Services, which, as solely determined by us, may harm the Company or users of the Services or expose them to liability.

You may not use the Services if you conduct high risk or illegal activities which are prohibited by any applicable laws, including, without limitation, certain credit repair services, debt consolidation services, payday loans, title loans, telemarketing, tobacco sales, travel clubs, sweep stakes, choice of law, marijuana supply or sales, tribal or entities that are not regulated by state or federal laws, certain mail order and telephone order (MOTO) companies, businesses located offshore, adult entertainment, stored value cards, third party payment processors, online gambling operations, unlicensed sale of firearms and certain weapons, businesses that offer and/or deal in FIAT or virtual currency or token exchange.

Additionally, you agree not to: (i) Use the Services in any manner that could disable, overburden, damage, or impair the Site or interfere with any other party’s use of the Services, including their ability to engage in real time activities through the Site or Services; (ii) Use any robot, spider or other automatic device, process or means to access the Services for any purpose, including monitoring or copying any of the material on the Site or related to the Services; (iii) Use any manual process to monitor or copy any of the Content or material on the Site or presented in the Services or for any other unauthorized purpose without our prior written consent; (iv) Use any device, software or routine that interferes with the proper functioning of Services; (v) Introduce any viruses, trojan horses, worms, logic bombs or other material which is malicious or technologically harmful; (vi) Attempt to gain unauthorized access to, interfere with, damage or disrupt any parts of the Services, or the server on which they are stored, or any server, computer or database connected to the Site or Services ; (vii) Attack the Services via a denial-of-Services (DOS) attack or a Distributed Denial-of-Services (DDOS) attack; (viii) copy, transmit, transfer, modify or create derivative works, reverse engineer, reverse compile, reverse assemble or otherwise determine or derive source code of the Services, nor permit or authorize any third party to do any of the foregoing; or (ix) Otherwise interfere with the proper working of the Services.

Termination of Services

To the extent permitted by applicable law, we may, in our sole discretion, terminate (or suspend access to) your Account and your use of the Services, Content, or any portion thereof, the rights of any third party with access to your User Content, and cancel this Agreement. We reserve the right to do this for any reason, including, but not limited to, any disabling of your Login Credentials that is not resolved by you within a reasonable time, your breach of this Agreement, including using your Account in a manner other than its stated intended use or your direction to limit or revoke authorizations or means of communication necessary to our ability to provide the Services. We may direct our Service Providers to, and communicate to the Bank Parties your instruction to, automatically close accounts that maintain zero balances for an extended period of time.

You may stop using the Services, cancel a transaction, cancel this Agreement, or close your Account by emailing us as specified in the Communications Process. We will resolve any such cancellation or Account closure within ten (10) business days. Notwithstanding the foregoing, if there are any pending transactions relating to your Evolve Deposit Account when we receive your termination notice, we will treat the instruction of termination from you as an instruction for us to communicate to the Bank Parties your direction to close your Evolve Deposit Account promptly after such transactions are completed. Your termination of this Agreement will not affect any of our rights or your obligations that arose under this Agreement prior to termination or that survive the termination of this Agreement.

Regardless of how or when your Account is closed, you will remain responsible for all charges, debit items, or other transactions you initiated, directed, or authorized, whether arising before or after termination of this Agreement. Note that a final disbursement of funds may be delayed until any remaining issues have been resolved.

The closure of your Account will be treated as an instruction for us to communicate to the Bank Parties your instruction to transfer the funds in your Evolve Deposit Account, if any, to your Personal Bank Account. If your Personal Bank Account is closed or the Bank Parties are otherwise unable to transfer the funds in your Evolve Deposit Account to the Personal Bank Account, we will communicate to the Bank Parties your instruction to mail a check for the amount of the funds left in your Evolve Deposit Account to you at your mailing address in our records.

If you do not use the Services for a certain period of time, applicable law may require the Bank Parties to report the funds in your Evolve Deposit Account as unclaimed property. If this occurs, we may try to locate you at the address shown in our records. If we are unable to locate you, the Bank Parties may be required to deliver any funds in your Evolve Deposit Account to the applicable state as unclaimed property. The specified period of time to report and deliver funds to a state varies by state.

The Company may alter, suspend, or discontinue the Site or Services at any time and for any reason. If the bSolo service is discontinued or suspended, bSolo will provide notice prior to suspending or discontinuing the Services by email.

Any and all obligations agreed to by you in this section will survive any termination or suspension of this Agreement, the Site, or the Services, closure of your Account, or termination or cancellation of this Agreement.

Modification and Enforcement

We may amend or terminate this Agreement at any time. This may include changing, removing, or adding fees and policies, changing features and services or any Service Provider or Bank Party that provide them (such as any vendor that bills your credit card or debit card), and limiting the usage or availability of any feature or service, within the limits of applicable laws and regulations. Although it is our policy to send notice to Users of any material changes, we are not obligated to do so in most cases.

bSolo may transfer its interests in or rights related to your Account or this Agreement to any of its successors and assigns, whether by assignment, merger, consolidation, or otherwise. You may not transfer your interests in or rights related to your Account or this Agreement (including by giving someone other than yourself access to your Account using a password) except with the prior written approval of bSolo, or as allowed by law.

We may enforce this Agreement against any and all Users, and retain all rights to do so at any time.

If any provision of this Agreement is found to be in conflict with applicable laws, rules, or regulations, either present or future, that provision will be enforced to the maximum extent allowable, or made to conform with applicable law, as the case may be. However, the remainder of this Agreement will remain fully in effect and enforceable.

bSolo may use the electronically stored copy of your signature, any written instructions or authorizations, the Account application, and this Agreement as the true, complete, valid, authentic, and enforceable record, admissible in judicial, administrative, or arbitration proceedings to the same extent as if the documents and records were originally generated and maintained in printed form. You agree not to contest the admissibility or enforceability of the electronically stored copies of such documents in any proceeding between you and bSolo.

Limited Functionality

The Services and the Site are being made available on an “as is” and “as available basis.” This Services and the Site are not substitutes for your own judgment or the advice of a tax professional. The Services have not been tested in all situations under which it may be used and may not achieve the results you desire. To the fullest extent permitted under applicable law, THE COMPANY DISCLAIMS ALL WARRANTIES WITH RESPECT TO THE SERVICES, ANY THIRD-PARTY SERVICES AND THIRD-PARTY MATERIALS, AND ANY BANK SERVICES, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT AND TITLE. ALL DISCLAIMERS OF ANY KIND (INCLUDING IN THIS SECTION AND ELSEWHERE IN THESE TERMS) ARE MADE FOR THE BENEFIT OF THE COMPANY AND ITS AFFILIATES AND THE COMPANY’S OR THEIR RESPECTIVE SHAREHOLDERS, OWNERS, DIRECTORS, OFFICERS, EMPLOYEES, AFFILIATES, AGENTS, REPRESENTATIVES, LICENSORS, SUPPLIERS, BANK PARTIES AND SERVICE PROVIDERS, AND THEIR RESPECTIVE SUCCESSORS AND ASSIGNS (THE “AFFILIATED ENTITIES”).

This section will survive any termination or suspension of this Agreement, the Site, or the Services, closure of your Account, or termination or cancellation of this Agreement.

Limitation of Liability

IN NO EVENT SHALL THE COMPANY OR ANY AFFILIATED ENTITY BE LIABLE FOR ANY DAMAGES WHATSOEVER (INCLUDING, WITHOUT LIMITATION, INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY AND CONSEQUENTIAL DAMAGES, LOST PROFITS, OR DAMAGES RESULTING FROM LOST DATA OR BUSINESS INTERRUPTION) in connection with this Agreement or otherwise RESULTING FROM THE USE OR INABILITY TO USE the Services, the Content or any other SERVICES, WEBSITES or MOBILE PHONE APPLICATIONS of the Company OR CONTENT THEREIN, OR THE PERFORMANCE OR NONPERFORMANCE OF ANY BANK SERVICES, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), OR ANY OTHER LEGAL THEORY, EVEN IF THE COMPANY KNEW OR SHOULD HAVE KNOWN OR HAD BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. NOTWITHSTANDING AND WITHOUT LIMITING THE FOREGOING, YOU AGREE THAT OUR LIABILITY AND THE LIABILITY OF OUR Affiliated Entities, IF ANY, ARISING OUT OF ANY KIND OF LEGAL CLAIM IN ANY WAY RELATING TO this Agreement or THE USE OF THE Services, the content or THE PERFORMANCE OR NONPERFORMANCE OF any bank Services, WILL NOT EXCEED THE AMOUNT YOU HAVE ACTUALLY PAID TO US, IF ANY, FOR USE OF THE SERVICES. BECAUSE SOME STATES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN CATEGORIES OF DAMAGES, THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU. IN SUCH STATES, OUR LIABILITY AND THE LIABILITY OF OUR Affiliated Entities IS LIMITED TO THE FULLEST EXTENT PERMITTED BY SUCH STATE LAW. THIS SECTION APPLIES WITHOUT LIMITATION TO ANY DAMAGES THAT MAY BE CAUSED OR AFFECTED BY ANY ACTION OR INACTION OF ANY BANK PARTY, Service Provider, or other VENDOR USED IN THE PROVISION OF THE SERVICES.

IF YOU ARE DISSATISFIED WITH THE SITE, SERVICES, OR YOUR ACCOUNT, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE SITE AND SERVICES.

This section will survive any termination or suspension of this Agreement, the Site, or the Services, closure of your Account, or termination or cancellation of this Agreement.

Indemnification

You agree to defend, indemnify and hold harmless the Company and the Affiliated Entities from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses or fees (including reasonable attorneys’ fees) arising out of or relating to your violation of this Agreement or your use of the Site, Services, or your Account. We reserve the right, at our own expense, to assume the exclusive defense and control of any matter subject to indemnification by you, in which event you agree to cooperate with us in defending such claims.

This section will survive any termination or suspension of this Agreement, the Site, or the Services, closure of your Account, or termination or cancellation of this Agreement.

Agreement to Arbitrate

This section serves as an agreement to arbitrate between You and the Company (“Agreement to Arbitrate”). You and the Company agree that any and all disputes or claims that have arisen, or may arise, between you and the Company (including any disputes or claims between you and any Service Provider used by the Company (except to the extent that you and any such Service Provider have a direct agreement that provides for an alternative dispute resolution process with respect to your direct relationship with such Service Provider, but in such case, such alternative dispute resolution process will apply only to your direct relationship with such Service Provider)) that relate in any way to or arise out of this or previous versions of this Agreement or this Agreement to Arbitrate, your use of or access to the Services, the actions of the Company or its agents, or any products or services sold, offered, or purchased through the shall be resolved exclusively through final and binding arbitration, rather than in court. Alternatively, you may assert your claims in small claims court, if your claims qualify and so long as the matter remains in such court and advances only on an individual (non-class, non-representative) basis. The Federal Arbitration Act governs the interpretation and enforcement of this Agreement to Arbitrate. This Agreement to Arbitrate will survive any termination or suspension of this Agreement, the Site, or the Services, closure of your Account, or termination or cancellation of this Agreement.

1. Prohibition of Class and Representative Actions and Non-Individualized Relief

YOU AND THE COMPANY AGREE THAT EACH OF US MAY BRING CLAIMS AGAINST THE OTHER ONLY ON AN INDIVIDUAL BASIS AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, OR REPRESENTATIVE OR PRIVATE ATTORNEY GENERAL ACTION OR PROCEEDING. UNLESS BOTH YOU AND THE COMPANY AGREE OTHERWISE, THE ARBITRATOR MAY NOT CONSOLIDATE OR JOIN MORE THAN ONE PERSON’S OR PARTY’S CLAIMS, AND MAY NOT OTHERWISE PRESIDE OVER ANY FORM OF A CONSOLIDATED, REPRESENTATIVE, CLASS, OR PRIVATE ATTORNEY GENERAL ACTION OR PROCEEDING. ALSO, THE ARBITRATOR MAY AWARD RELIEF (INCLUDING MONETARY, INJUNCTIVE, AND DECLARATORY RELIEF) ONLY IN FAVOR OF THE INDIVIDUAL PARTY SEEKING RELIEF AND ONLY TO THE EXTENT NECESSARY TO PROVIDE RELIEF NECESSITATED BY THAT PARTY’S INDIVIDUAL CLAIM(S). ANY RELIEF AWARDED CANNOT AFFECT OTHER USERS. If a court decides that applicable law precludes enforcement of any of this paragraph’s limitations as to a particular claim for relief, then that claim (and only that claim) must be severed from the arbitration and may be brought in court, subject to your and The Company’s right to appeal the court’s decision. All other claims will be arbitrated.

2. Arbitration Procedures

Arbitration is more informal than a lawsuit in court. Arbitration uses a neutral arbitrator instead of a judge or jury, and court review of an arbitration award is very limited. However, an arbitrator can award the same damages and relief on an individual basis that a court can award to an individual. An arbitrator should apply the terms of this Agreement as a court would. All issues are for the arbitrator to decide, except that issues relating to arbitrability, the scope or enforceability of this Agreement to Arbitrate or the interpretation of the preceding section (“Prohibition of Class and Representative Actions and Non-Individualized Relief”), shall be for a court of competent jurisdiction to decide.

The arbitration will be conducted by the American Arbitration Association (“AAA”) under its rules and procedures, including the AAA’s Consumer Arbitration Rules (as applicable), as modified by this Agreement to Arbitrate. The AAA’s rules are available at www.adr.org or by calling the AAA at 1-800-778-7879. The use of the word “arbitrator” in this provision shall not be construed to prohibit more than one arbitrator from presiding over an arbitration; rather, the AAA’s rules will govern the number of arbitrators that may preside over an arbitration conducted under this Agreement to Arbitrate.

A party who intends to seek arbitration must first send to the other party, by certified mail, a completed form Notice of Dispute (“Notice”). The Notice to the Company should be sent to bSolo, 245 Summer Street, Boston, Massachusetts 02110. The Company will send any Notice to you to the physical address we have on file associated with your Account; it is your responsibility to keep your physical address up to date. All information called for in the Notice must be provided, including a description of the nature and basis of the claims the party is asserting and the relief sought.

If you and the Company are unable to resolve the claims described in the Notice within 30 days after the Notice is sent, you or the Company may initiate arbitration proceedings. A form for initiating arbitration proceedings is available on the AAA’s site at www.adr.org. In addition to filing this form with the AAA in accordance with its rules and procedures, the party initiating the arbitration must mail a copy of the completed form to the opposing party. You may send a copy to the Company at the following address: bSolo, 245 Summer Street, Boston, Massachusetts 02110. In the event the Company initiates an arbitration against you, it will send a copy of the completed form to the physical address we have on file associated with your Account. Any settlement offer made by you or the Company shall not be disclosed to the arbitrator.

The arbitration hearing shall be held in Boston, Massachusetts. If the value of the relief sought is $10,000 or less, you or the Company may elect to have the arbitration conducted by telephone or based solely on written submissions, which election shall be binding on you and the Company subject to the arbitrator’s discretion to require an in-person hearing, if the circumstances warrant. In cases where an in-person hearing is held, you and/or the Company may attend by telephone, unless the arbitrator requires otherwise.

The arbitrator will decide the substance of all claims in accordance with applicable law, including recognized principles of equity, and will honor all claims of privilege recognized by law. The arbitrator shall not be bound by rulings in prior arbitrations involving different users of the Services, but is bound by rulings in prior arbitrations involving the same user of the Services to the extent required by applicable law. The arbitrator’s award shall be final and binding and judgment on the award rendered by the arbitrator may be entered in any court having jurisdiction thereof.

3. Costs of Arbitration

Payment of all filing, administration and arbitrator fees will be governed by the AAA’s rules, unless otherwise stated in this Agreement to Arbitrate. Any request for payment of fees by the Company should be submitted by mail to the AAA along with your Demand for Arbitration. If (a) you willfully fail to comply with the Notice of Dispute requirement discussed above, or (b) in the event the arbitrator determines the claim(s) you assert in the arbitration to be frivolous, you agree to reimburse the Company for all fees associated with the arbitration paid by the Company on your behalf that you otherwise would be obligated to pay under the AAA’s rules.

4. Severability

With the exception of any of the provisions in the preceding Section 1 (“Prohibition of Class and Representative Actions and Non-Individualized Relief”) of this Agreement to Arbitrate, if an arbitrator or court decides that any part of this Agreement is invalid or unenforceable, the other parts of this Agreement shall still apply.

5. Opt-Out Procedure

IF YOU ARE A NEW BSOLO USER, YOU CAN CHOOSE TO REJECT THIS AGREEMENT TO ARBITRATE (“OPT-OUT”) BY MAILING US A WRITTEN OPT-OUT NOTICE (“OPT-OUT NOTICE”). THE OPT-OUT NOTICE MUST BE POSTMARKED NO LATER THAN 30 DAYS AFTER THE DATE YOU ACCEPT THIS AGREEMENT FOR THE FIRST TIME. YOU MUST MAIL THE OPT-OUT NOTICE TO THE COMPANY BENEFITS AT 245 SUMMER STREET, BOSTON, MASSACHUSETTS 02110.

The Opt-Out Notice should contain your name, address (including street address, city, state and zip code), and the user ID(s) and email address(es) associated with the Company account(s) to which the opt-out applies. You must sign the Opt-Out Notice for it to be effective. This procedure is the only way you can opt out of the Agreement to Arbitrate. If you opt out of the Agreement to Arbitrate, all other parts of the Agreement will continue to apply to you. Opting out of this Agreement to Arbitrate has no effect on any previous, other, or future arbitration agreements that you may have with us.

6. Future Amendments to the Agreement to Arbitrate

Notwithstanding any provision in this Agreement to the contrary, you and we agree that if we make any amendment to this Agreement to Arbitrate (other than an amendment to any notice address or site link provided herein) in the future, that amendment shall not apply to any claim that was filed in a legal proceeding against the Company prior to the effective date of the amendment. The amendment shall apply to all other disputes or claims governed by the Agreement to Arbitrate that have arisen or may arise between you and the Company. We will notify you of amendments to this Agreement to Arbitrate by posting the amended terms at least 30 days before the effective date of the amendments at www.bsolo.com/user-agreement or, and by providing notice via email. If you do not agree to these amended terms, you may close your Account within the 30-day period and you will not be bound by the amended terms.

Unless you and we agree otherwise, in the event that the Agreement to Arbitrate above is found not to apply to you or to a particular claim or dispute, either as a result of your decision to opt out of the Agreement to Arbitrate or as a result of a decision by the arbitrator or a court order, you agree that any claim or dispute that has arisen or may arise between you and the Company must be resolved exclusively by a state or federal court located in Boston, Massachusetts. Each of you and the Company irrevocably agrees to submit to the personal jurisdiction of the state and federal courts located in Boston, Massachusetts for the purpose of litigating all such claims or disputes and waives all objections to this venue.

General

This Agreement constitutes the entire agreement and understanding between you and the Company concerning your Account, the Services, and the Site, notwithstanding any different or additional terms that may be contained in the form of purchase order, instruction, communication, or other document used by you to effect transactions hereunder, which such terms are hereby rejected.

This Agreement supersedes all prior or contemporaneous discussions, proposals and agreements between you and the Company relating to the subject matter hereof.

bSolo may make any modifications to this Agreement by any reasonable means as previously described in this Agreement. Any amendment, modification or waiver of any provision of this Agreement outside of the amendment, modification and waiver procedures expressly described in this Agreement, including any amendment, modification or waiver that you alleged was agreed to by bSolo will not be effective unless it is made in writing and signed by an officer of bSolo. If any provision of this Agreement is held to be invalid or unenforceable, the remaining portions will remain in full force and effect and such provision will be enforced to the maximum extent possible so as to affect the intent of the parties and will be reformed to the extent necessary to make such provision valid and enforceable.

No waiver of rights by the Company may be implied from any actions or failures to enforce rights under this Agreement. This Agreement is intended to be and are solely for the benefit of the Company and you and do not create any right in favor of any third party. This Agreement will be governed by and construed in accordance with the laws of the Commonwealth of Massachusetts, without reference to its conflict of laws principles.

We control and operate the Site from our facilities in the United States of America and, unless otherwise specified, the materials displayed on the Site are presented solely for the purpose of promoting products and services available in the United States. We do not represent that materials on the Site are appropriate or available for use in other locations. If you choose to access the Site from other locations, you are responsible for compliance with local laws, if and to the extent local laws are applicable.

This Agreement does not, and shall not be construed to, create any partnership, joint venture, employer-employee, agency or franchisor-franchisee relationship between you and the Company.

Any heading, caption or section title contained in this Agreement is for convenience only, and in no way defines or explains any section or provision. All terms defined in the singular shall have the same meanings when used in the plural, where appropriate and unless otherwise specified. Any use of the term “including” or variations thereof in this Agreement shall be construed as if followed by the phrase “without limitation.”

Customer Support

All customer support requests must be made using the Communications Process described previously in this Agreement. If you have questions, comments or concerns regarding this Agreement, please contact us at support@bsolo.com. You may also find additional assistance and support at www.bsolo.com/help. Please note that email communications will not necessarily be secure; accordingly, you should not include bank account or other sensitive information in your email correspondence with us. California residents may reach the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs by mail at 1625 North Market Blvd., Sacramento, CA 95834, or by telephone at (916) 445-1254 or (800) 952-5210.

ATTACHMENT A

SCHEDULE OF THIRD PARTIES

By using your Account and/or the Services, you agree and acknowledge that (a) some features of the Services utilize the services of Service Providers and other third party service providers, which may include software, informational, data or other services, and (b) the Bank Services utilize the services of the Bank Parties. Some of these Service Providers, other third party service providers and Bank Parties require Users who utilize such features to agree to additional terms and conditions. This page identifies third-party terms and conditions that apply to the features set forth below, and your use of such features constitute your agreement to be bound by additional terms and conditions.

You acknowledge that you are solely responsible for any problems, issues, communications, or interactions you may have with (i) any Service Provider or other third party service provider related to the Services, the Site, or your Account, or (ii) any Bank Party related to the Bank Services. We reserve the right, but have no obligation, to monitor disputes between you and any Service Provider or other third party service provider related to the Services, the Site, or your Account, and we shall have no liability for your interactions with such providers.

When we access and retrieve information from such Service Providers and Bank Parties as directed by you, you agree that we and these Service Providers and Bank Parties are acting as your agent, and not the agent or on behalf of any other third party. You also agree that our Services are not endorsed or sponsored by Service Providers or Bank Parties. By using your Account and/or the Services, you agree and acknowledge that you have carefully read and agree to all terms and conditions provided by the following Service Providers and Bank Parties. The information below is provided for your convenience only, and you access it at your own risk. We are not responsible for, and do not endorse, the content of any such sites, or the products and services sold on them, nor do we take responsibility for the accuracy of any such sites.

SynapseFi (Bank Party)

Terms of Service: https://synapsefi.com/tos-evolve

Privacy Policy: https://synapsefi.com/privacy

Evolve Bank and Trust (Bank Party)

Deposit Agreement: https://synapsefi.com/evolve-bank-deposit-agreement

Privacy Policy: https://synapsefi.com/evolve-privacy

Terms of Service: https://synapsefi.com/tos-evolve

Recurly (Service Provider)

Terms and Conditions: https://recurly.com/legal/terms

User Agreement: https://recurly.com/legal/acceptable-use

Privacy Policy: https://recurly.com/legal/privacy

Stripe (Service Provider)

Terms and Conditions: https://stripe.com/marks/legal

User Agreement: https://stripe.com/us/legal

Privacy Policy: https://stripe.com/us/privacy

Equifax: (Service Provider)

Terms and Conditions: https://www.equifax.com/terms/

User Agreements: https://www.equifax.com/terms?inheritRedirect=true#Site%20Terms%20of%20Use

Privacy Policy: https://www.equifax.com/privacy/

We are not responsible for the quality or efficacy of the services provided by any of the Service Providers used in providing the Services or related to your Account or the Bank Parties used by you in connection with the Bank Services, or their information privacy or security practices, and we have no responsibility for the information, goods or services offered or provided by such Service Providers and Bank Parties, or for the manner in which they conduct their operations. Your use of the Service Providers’ and Bank Parties’ services and the materials, information and goods offered by them is entirely at your own risk, and is subject to the terms of use of the third parties operating or providing them, if any.

You should assume that any Internet page or other material that does not bear the official bSolo logo is provided by a third party, and bSolo is not responsible nor does it control any third parties’ (including the Service Providers’ and Bank Parties’) use of logos or trademarks. You agree to read the applicable terms of any agreement, terms of use and privacy policies of any third-party services, including those of the Service Providers and Bank Parties, since they are subject only to the agreements you have with them, and not covered by this Agreement. Further, any third-party services, including those of the Service Providers and Bank Parties, may use your Information in a way that we would not. You further acknowledge that your use of the Service Providers’ and Bank Parties’ services is on an “as-is” basis, and that the Company, may change Service Providers at any time without notice to you. Although it is our policy to send notice to account owners of any material changes, we are not obligated to do so in most cases.

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