Increase Technology Service Terms

Last updated: July 22, 2026

Increase Technologies Inc. (“Technology Company”, “us”, or “we”) provides a banking API (the “API”) and a dashboard (the “Dashboard”) that helps you communicate instructions to one of our bank partners (each, a “Bank”) and other services (collectively, the “Technology Services”). These Increase Technology Service Terms (these “Terms”) form a legal agreement that is entered into between Technology Company and the individual or entity (“you” and “your”) that signs up for the Technology Services. Technology Company partners with Banks that provide depository and payment services (the “Bank Services”). The word “Bank” refers to the Bank that provides the Bank Services to you. You, or someone you authorize to act on your behalf, may instruct us to help you open a depository account with the Bank (a “Bank Account”). Your use of the Bank Account is subject to your acceptance of the terms provided by the Bank (the “Bank Agreement”). Our partner Banks and links to the Bank Agreements are listed in Section 17 below. Please read these Terms carefully. You may use the Technology Services to access the Bank Services only if you agree to comply with the legal and regulatory requirements that apply to you and your business, these Terms and the Bank Agreement, including your agreement to resolve all disputes with Technology Company by arbitration and not in a lawsuit.

1. Use of the Increase Website

You may visit and view the Technology Company’s website (the “Increase Website”) before you register for the Technology Services. By accessing and browsing the Increase Website, you agree to comply with and be bound by these Terms and any laws and regulations applicable to your access and use of the Increase Website. Your use of the Increase Website is permitted solely for information purposes. You may not use the Increase Website in any manner that could damage, disable, overburden, or impair the Technology Services or interfere with any other party’s use of the Increase Website. We reserve the right to modify or discontinue the Increase Website or any part of it without notice and without liability. No part of the Increase Website constitutes a binding offer or contract for services unless and until you become a registered customer under these Terms.

2. Use of the Technology Services

2.1 You may use the Technology Services if you are a legal resident of the United States, you only use the Technology Services for personal, family or household purposes, and you, or your parent or legal guardian on your behalf, agree(s) to these Terms if you are an individual between 13 and 18 years old.

2.2 You may register your business for the Technology Services if: the business is a corporation, partnership, or similar non-natural person entity like an unincorporated association, limited liability company, limited liability partnership, or sole proprietorship; you are over the age of 18; the business does not use the account for personal, family, or household purposes; you are authorized to share information about the business with Technology Company and the Bank; and you are authorized to bind the business to these Terms and the Bank Agreement.

3. Your Obligations

3.1 During registration, you will create credentials that are used to authenticate your access to the Technology Services (your “Credentials”). You may authorize one or more people to use your Credentials to access the Technology Services, including to access the Bank Services. We will treat each designated person as authorized to use your Credentials to access and use the Technology Services until we receive written notice from you in an acceptable form. We may require you to give us separate written authorization telling us who is authorized to act on your behalf. You agree to notify us promptly in writing of any change in your form of organization or ownership or in the authority of any person with respect to use of your Credentials.

3.2 We may collect information about you and, if applicable, your business to help us and the Bank conduct identity verification. You will have limited access to the Technology Services and the Bank Services until you have submitted, and we and the Bank have reviewed and approved, all required information. The information you provide at the time your Credentials are created must be accurate and up-to-date while you use the Technology Services. We may suspend or terminate your access to the Technology Services if you provide inaccurate information or fail to update your information.

3.3 You may use the Technology Services only for lawful and legitimate purposes. You are responsible for following the laws, rules, regulations, and guidance that apply to where you use the Technology Services.

3.4 You may not:

Use the Technology Services in a way that could impair, overburden, damage, or disable any portion of the Technology Services,
Mirror any material contained on the Technology Services or otherwise modify, copy, distribute, publish, license or sell any Technology Services or data or any derivative work based on the Technology Services,
Attempt to gain unauthorized access to our computer network,
Use the Technology Services to promote hate, violence, harassment, or abuse, or
Use the Technology Services for any illegal or fraudulent transactions or activity that create an unacceptably high risk to Technology Company or that would violate these Terms of your Bank Agreement.

We may take action against you if we believe you have engaged in activities restricted by these Terms, the Bank Agreement, or by applicable law (the “Restricted Activities”).

3.5 You are fully responsible for managing your Credentials. You are responsible for all activity conducted using your Credentials whether or not you authorized the activity. Please notify us immediately about any unauthorized use of your Credentials.

3.6 Our fees for the Technology Services are posted on our fee schedule unless set forth in a separate written agreement. We may deduct our fees from your Bank Account balance. Please contact us if you believe that fees have been incorrectly deducted. You agree that we may set off the funds in any Bank Account owned by you against any money that you owe Technology Company.

4. Data Use

We may share information you provide to us, or that is created through your use of the Technology Services with the Bank and other third parties. We may also receive information about you from a third party. We maintain a policy that explains how we use and protect your data (“Privacy Policy”) found here. We incorporate our Privacy Policy into these Terms.

5. Term and Termination

5.1 These Terms are effective on the date you first access or use the Technology Services and continue until terminated by you or us. We may terminate these Terms at any time for any reason as permitted under applicable law. We may also suspend your use of the Technology Services and your ability to access funds in your Bank Account, if (a) we determine that you are ineligible for the Technology Services or the Bank Services because of significant fraud or credit risk, or any other risks; (b) you use the Technology Services in a prohibited manner or otherwise do not comply with any of the provisions of these Terms; (c) any law or financial partner requires us to do so; or (d) we are otherwise entitled to do so under these Terms.

5.2 Termination does not immediately relieve you of obligations incurred by you under these Terms. Upon termination you understand and agree that (w) all licenses granted to you by us under these Terms will end; (x) we and the Bank reserve the right (but have no obligation) to delete all of your information and account data stored on our servers; (y) we will not be liable to you for compensation, reimbursement, or damages related to your use of the Technology Services or the Bank Service, or any termination or suspension of the Technology Services or the Bank Service or deletion of your information or account data; and (z) you are still liable to us for any fees or fines, or other financial obligation incurred by you or through your use of the Technology Services or the Bank Services prior to termination.

6. Modifications to the Technology Services or the Bank Services

We may make changes to how we operate and provide the Technology Services, including adding new services, modifying existing services, or suspending, discontinuing, or terminating your access to any or all portions of the Technology Services.

7. Modifications to these Terms

Technology Company may change these Terms at any time. You will be notified of any changes when they are posted on the Increase Website or presented to you in the Dashboard. You may also be notified of changes by email or as otherwise required by applicable law. The revised Terms are effective on the date the changes are posted on the Increase Website. By using the Technology Services after receiving notice of a change to these Terms, you are agreeing to be bound by the revised agreement.

8. Rules Governing these Terms

These Terms are subject to the laws of the state of Delaware. If any provision of these Terms is found to be unenforceable according to its terms, all remaining provisions will continue in full force and effect.

9. Indemnification

If someone sues us because of something you did, you agree to be responsible for the related costs: You will defend, indemnify, and hold us harmless from and against any and all claims, losses, expenses, demands, or liabilities, including attorneys’ fees and costs, incurred by us in connection with any claim by a third party arising out of or in any way related to: (a) your use of the Technology Services; (b) your violation or alleged violation of this agreement or of any applicable law; (c) your infringement or alleged infringement of any intellectual property or other right of any other person or entity; or (d) any dispute between you and a third party.

You must not settle any such claim or matter against us without our prior written consent. We reserve the right, at our own expense, to assume the exclusive defense and control of any matter for which we are entitled to indemnification by you, and you further agree that you will cooperate fully in the defense of any such claims.

10. Limitation of our Liability to You

WE AND OUR REPRESENTATIVES, AGENTS, AND ANY OF THEIR RESPECTIVE OFFICERS, DIRECTORS, EQUITY HOLDERS, EMPLOYEES, PARENT ENTITIES, SUBSIDIARIES, AFFILIATED ENTITIES, REPRESENTATIVES, AGENTS AND LICENSORS WILL NOT BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY SPECIAL, INDIRECT, INCIDENTAL, CONSEQUENTIAL OR PUNITIVE DAMAGES (SUCH AS LOSS OF PROFITS, LOSS OF GOODWILL, LOSS OF USE, LOSS OF DATA, BUSINESS INTERRUPTION, OR OTHER INTANGIBLE LOSSES) ARISING OUT OF OR RELATING IN ANY WAY TO THE TECHNOLOGY SERVICES, OR THESE TERMS.

EXCEPT AS EXPRESSLY SET FORTH IN THESE TERMS OR REQUIRED BY APPLICABLE LAW (E.G., ANY NON-WAIVABLE RIGHTS OR REMEDIES), IN NO EVENT WILL THE TOTAL LIABILITY OF THESE PARTIES TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE USE OF, OR ANY INABILITY TO USE ANY PORTION OF, THE TECHNOLOGY SERVICES OR THE BANK SERVICES, OR OTHERWISE ARISING OUT OF OR RELATING TO THESE TERMS, WHETHER IN CONTRACT, TORT, OR OTHERWISE, EXCEED IN THE AGGREGATE ONE HUNDRED DOLLARS ($100.00).

IF YOU ARE A CALIFORNIA RESIDENT, YOU WAIVE CALIFORNIA CIVIL CODE SECTION 1542 WHICH PROVIDES: “A GENERAL RELEASE DOES NOT EXTEND TO CLAIMS THAT THE CREDITOR OR RELEASING PARTY DOES NOT KNOW OR SUSPECT TO EXIST IN HIS OR HER FAVOR AT THE TIME OF EXECUTING THE RELEASE AND THAT, IF KNOWN BY HIM OR HER, WOULD HAVE MATERIALLY AFFECTED HIS OR HER SETTLEMENT WITH THE DEBTOR OR RELEASED PARTY.

IF ANY OF THESE LIMITATIONS ARE FOUND TO BE INVALID, THESE PARTIES’ TOTAL LIABILITY FOR ALL DAMAGES, LOSSES, OR CAUSES OF ACTION OF ANY KIND SHALL BE LIMITED TO THE MAXIMUM EXTENT PERMITTED BY LAW.

11. Dispute Resolution by Binding Arbitration

PLEASE READ THIS “DISPUTE RESOLUTION BY BINDING ARBITRATION” PROVISION VERY CAREFULLY. IT LIMITS YOUR RIGHTS IN THE EVENT OF A DISPUTE BETWEEN YOU, ON THE ONE HAND, AND WE, ON THE OTHER HAND, SUBJECT TO THE TERMS AND OPT-OUT OPTION SET FORTH BELOW.

11.1 You and we agree that any and all past, present and future dispute, claims, or causes of action arising out of or relating to your use of any of the Technology Services, these Terms, or any other controversies or disputes between you and Technology Company or any of their respective affiliates, licensors, distributors, suppliers or agents, whether arising prior to or after you agreed to these Terms (collectively, “Dispute(s)”), shall be determined by arbitration, unless (a) you opt out as provided in Section 11.3 below; or (b) your Dispute is subject to an exception to this agreement to arbitrate set forth in Section 11.7. You and we further agree that any arbitration pursuant to this Section shall not proceed as a class, group or representative action.

11.2 We want to address your concerns without the need for a formal legal dispute. Before filing a claim against us, you agree to try to resolve the Dispute informally by contacting us. Similarly, we will undertake reasonable efforts to contact you (if we have contact information for you) to resolve any claim we may possess informally before taking any formal action. If a Dispute is not resolved within 30 days after the email noting the Dispute is sent, you or we may initiate an arbitration proceeding as described below.

11.3 You may opt out of this arbitration provision by sending a written notice to customer support within thirty (30) days after first accepting these Terms. You must date the written notice, and include your first and last name, address, and a clear statement that you do not wish to resolve disputes with Technology Company through arbitration. Except for the exceptions in Section 11.7 below, you knowingly and intentionally waive your right to litigate any Dispute if you do not submit notice before the 30-day deadline. You may continue to use the Technology Services if you opt out of the agreement to arbitrate after which no party to these Terms may invoke the mutual agreement to arbitrate in this Section 11.

11.4 You and we agree that the American Arbitration Association (“AAA”) will administer the arbitration under its Commercial Arbitration Rules and the Supplementary Procedures for Consumer Related Disputes in effect at the time arbitration is sought (“AAA Rules”). Those rules are available at www.adr.org or by calling the AAA at 1-800-778-7879. A party who desires to initiate arbitration must provide the other party with a written Demand for Arbitration as specified in the AAA Rules.

Arbitration will proceed on an individual basis and will be handled by a sole arbitrator. The single arbitrator will be either a retired judge or an attorney licensed to practice law and will be selected by the parties from the AAA’s roster of arbitrators. If the parties are unable to agree upon an arbitrator within fourteen (14) days after delivery of the Demand for Arbitration, then the AAA will appoint the arbitrator in accordance with the AAA Rules.

The arbitrator(s) is authorized to award any remedies, including injunctive relief, that would be available to a party in an individual lawsuit and that are not waivable under applicable law.

Notwithstanding any language to the contrary in this Section 11, if a party seeks injunctive relief that would significantly impact other Technology Company users or Bank Account holders as reasonably determined by any party, the parties agree that such arbitration will proceed on an individual basis but will be handled by a panel of three (3) arbitrators. You will select one arbitrator, and we shall select one arbitrator, and the two party-selected arbitrators shall select the third, who shall serve as chair of the arbitral panel. That chairperson shall be a retired judge or an attorney licensed to practice law and with experience arbitrating or mediating disputes. In the event of disagreement as to whether the threshold for a three-arbitrator panel has been met, the sole arbitrator appointed in accordance with this Section shall make that determination. If the arbitrator determines a three-person panel is appropriate, the arbitrator may – if selected by either party or as the chair by the two party-selected arbitrators – participate in the arbitral panel.

Except as and to the extent otherwise may be required by law, the arbitration proceeding and any award is confidential.

You and we further agree that all proceedings can be conducted via videoconference, telephonically or via other remote electronic means; provided that, if the arbitrator(s) reasonably determines that an in-person hearing is necessary, the arbitration will be held in the county where you live or work.

If we elect arbitration, we will pay all of the AAA filing costs and administrative fees (other than hearing fees). If you elect arbitration, filing costs and administrative fees (other than hearing fees) will be paid in accordance with the AAA Rules, or in accordance with countervailing law if contrary to the AAA Rules. However, if the value of the relief sought is $10,000 or less, at your request, Technology Company will pay all filing, administration, and arbitrator fees associated with the arbitration, unless the arbitrator(s) finds that either the substance of your claim or the relief sought was frivolous or was brought for an improper purpose (as measured by the standards set forth in Federal Rule of Civil Procedure 11(b)).

In such circumstances, fees will be determined in accordance with the AAA Rules. Each party shall bear the expense of its own attorneys’ fees, except as otherwise required by law. This Section 11 “Dispute Resolution by Binding Arbitration” shall be construed under and be subject to the Federal Arbitration Act, notwithstanding any other choice of law set out in these Terms.

11.5 Regardless of the rules of a given arbitration forum, you and we agree that the arbitration of any Dispute shall proceed on an individual basis, and neither you nor we may bring a claim as a part of a class, group, collective, coordinated, consolidated or mass arbitration (each, a “Collective Arbitration”). Without limiting the generality of the foregoing, a claim to resolve any Dispute against Technology Company will be deemed a Collective Arbitration if (a) two (2) or more similar claims for arbitration are filed concurrently by or on behalf of one or more claimants; and (b) counsel for the claimants are the same, share fees or coordinate across the arbitrations. “Concurrently” for purposes of this provision means that both arbitrations are pending (filed but not yet resolved) at the same time.

11.6 TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, NEITHER YOU OR WE SHALL BE ENTITLED TO CONSOLIDATE, JOIN OR COORDINATE DISPUTES BY OR AGAINST OTHER INDIVIDUALS OR ENTITIES, OR ARBITRATE OR LITIGATE ANY DISPUTE IN A REPRESENTATIVE CAPACITY, INCLUDING AS A REPRESENTATIVE MEMBER OF A CLASS OR IN A PRIVATE ATTORNEY GENERAL CAPACITY. IN CONNECTION WITH ANY DISPUTE (AS DEFINED ABOVE), ANY AND ALL SUCH RIGHTS ARE HEREBY EXPRESSLY AND UNCONDITIONALLY WAIVED. ANY CHALLENGE TO THE VALIDITY OF THIS SECTION 11 SHALL BE DETERMINED EXCLUSIVELY BY THE ARBITRATOR.

11.7 Notwithstanding your and our right to arbitrate Disputes, you and we retain the following rights: you, and we each retain the right (a) to bring an individual action in small claims court; and (b) to seek injunctive or other equitable relief in a court of competent jurisdiction to prevent the actual or threatened infringement, misappropriation or violation of a party’s copyrights, trademarks, trade secrets, patents or other intellectual property rights.

11.8 Except as otherwise required by applicable law, in the event that this arbitration provision is found not to apply to you or your Dispute, you and we agree that any judicial proceeding (other than small claims actions) will be brought in the federal or state courts of Delaware. You and we consent to venue and personal jurisdiction there. We all agree to waive our right to a jury trial.

11.9 This Section 11 “Dispute Resolution By Arbitration” shall survive the termination or expiration of these Terms. If a court decides that any part of this Section 11 is invalid or unenforceable, then the remaining portions of this Section 11 will nevertheless remain valid and in force. In the event that a court finds that all or any portion of Section 11.6 “Class Action and Collective Arbitration Waiver” to be invalid or unenforceable, then the entirety of this Section 11 “Dispute Resolution By Arbitration” shall be deemed void and any remaining Dispute must be litigated in court.

12. Intellectual Property

12.1 You may use the API and the Dashboard after you register with Technology Company and receive your Credentials. You may only use the API and the Dashboard for the purpose you describe to Technology Company when you enroll in the Technology Services. You may use the API to develop, test, and operate an Application, including a mobile application, website, platform, or service. Your integration must comply with Technology Company’s documentation, including technical documentation, usage guidelines, call volume limits, and the documentation located here (the “Documentation”). You may display the data created by your use of the Technology Services and the Bank Services as permitted by these Terms, your Bank Agreement, and applicable law. We update the API and Documentation from time to time, and may add or remove functionality. We will notify you if we make changes that materially impact the Technology Services.

12.2 We will provide you with Credentials that allow you to access and use the API (the “API Credentials”). The API Credentials are our confidential information. You may not sell, transfer, sublicense, or disclose your API Credentials or other Credentials to any third party, other than a service provider performing services on your behalf. You are responsible for the security of your API Credentials and you are liable for any actions performed using your API Credentials or other Credentials. Technology Company may revoke your API Credentials for any reason in its sole discretion upon notice to you.

12.3 Technology Company owns all rights, interest, and title in and to the Technology Company’s intellectual property in the Technology Services, the API, the Dashboard, and any associated Documentation (including without limitation any patents, copyrights, rights of publicity, trademarks, logos, designs, trade dress, and trade secrets) (collectively, the “Increase Technology IP”). You are granted a non-exclusive and non-transferable license to electronically access and use the Increase Technology IP only in the manner described in these Terms. You may need to agree to additional terms if new Increase Technology IP becomes available. You may not use the Increase Technology IP, including any Technology Company logos or marks, without our prior written permission. All rights in the Increase Technology IP not expressly granted to you in these Terms are reserved. You shall not and shall not allow any third party to use your Credentials to: (a) claim or register any Increase Technology IP on your behalf or on behalf of others; (b) import or export any portion of the Increase Technology IP to a person or country in violation of export control laws; (c) copy, reproduce, post, transmit, resell or distribute the Increase Technology IP or any content or data obtained through the Technology Services or our website; (d) access or attempt to access non-public Technology Company information; (e) hack or develop workarounds to any technical limitations placed on your use of the Technology Services by Technology Company; (f) reverse engineer the Increase Technology IP; (g) engage in any activity that would interfere with or affect Technology Company’s ability to provide the Technology Services, including sending an unreasonably large number of requests in quick succession to the API; or (h) attempt any of the foregoing. We may publicly refer to you as a Technology Company user during the term of these Terms.

12.4 We may use any Feedback you provide us about the API and the Technology Services without any obligation to you. You grant Technology Company all rights, title, and ownership to the Feedback. You will not acquire any rights or licenses to the Increase Technology IP if you provide Feedback to us.

12.5 Confidential Information is any non-public information we communicate to you which is marked or declared as “Confidential” or “Proprietary” or if not so marked or declared, should be reasonably understood from the context of disclosure or from the information itself, to be confidential. Confidential Information also includes: (y) Technology Company user data and any other data that you access via the API; and (z) API Credentials and any other Technology Company credential information, including passwords and PINs. You must maintain the confidentiality of Confidential Information and not use it for any purpose other than solely as required and necessary to perform your obligations under these Terms. In the event that Confidential Information is required to be disclosed by a court, government agency, regulatory requirement, or similar disclosure requirement, you must immediately notify Technology Company. Your obligation to maintain the confidentiality of Confidential Information will survive the termination of these Terms.

13. Disclaimers

THE TECHNOLOGY SERVICES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. WE PROVIDE THE TECHNOLOGY SERVICES WITHOUT ANY WARRANTY OR CONDITION OF ANY KIND, EXPRESS OR IMPLIED. TECHNOLOGY COMPANY ON BEHALF OF ITSELF, AND EACH OF THEIR RESPECTIVE AFFILIATES, PARTNERS, AND ITS LICENSORS, DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, RELATING TO THE SERVICES INCLUDING THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, QUIET ENJOYMENT, QUALITY, ACCURACY, TITLE AND NON-INFRINGEMENT, AND ANY WARRANTY ARISING OUT OF COURSE OF DEALING, USAGE OR TRADE.

YOU USE THE TECHNOLOGY SERVICES AT YOUR OWN DISCRETION AND RISK. YOU ASSUME ALL RISK FOR ANY DAMAGE THAT MAY RESULT FROM YOUR USE OF OR ACCESS TO THE SERVICES. YOU ARE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR PROPERTY (INCLUDING ANY COMPUTER SYSTEM OR MOBILE DEVICE USED IN CONNECTION WITH THE SERVICES), OR THE LOSS OF DATA THAT MAY RESULT FROM THE USE OF THE SERVICES.

Note that the ability to disclaim warranties varies in different jurisdictions. Where a jurisdiction places limits on the ability for a party to exclude certain warranties, these exclusions only exist to the extent permitted by law. Because of this jurisdictional variance, some of the above exclusions may not apply to you.

14. Force Majeure

We are not responsible for any loss to you caused by an event that is beyond our control including, but not limited to, natural disasters, wars, insurrection, terrorist acts or threats, riots, strikes, computer failure, fire, loss of power, communication or transportation facilities, action or inaction of any governmental authority, or for delays or other failures of the U.S. Mail service, Fedwire, or the failure of any other provider of funds transfer or item processing services.

15. Waiver

We may waive any of our rights or obligations under these Terms in a particular situation. We are not obligated to do so, and we may choose not to do so even if we have done so before. Our failure to enforce any right or provision of these Terms will not be considered a waiver of such right or provision. The waiver of any such right or provision will be effective only if in writing and signed by a duly authorized representative of us. Except as expressly set forth in these Terms, the exercise by either party of any of its remedies under these Terms will be without prejudice to its other remedies under these Terms or otherwise.

16. Notices

We may be required to send you a notice. We may notify you through the Dashboard, via email, or by mail using the contact information you provide us during registration, as you may update from time to time. All notices and statements are effective when we post, mail or deliver them to you or another owner or authorized signer. Notice to any one of them will be effective for all.

17. Bank Agreements

The Technology Services allow you to access the Bank Services, including the Bank depository and payment services. Your Bank Account is with one of the Banks listed below:

Increase Bank, member FDIC,
Grasshopper Bank, N.A., Member FDIC,
First Internet Bank of Indiana, Member FDIC, or
Core Bank, Member FDIC.

Please review the applicable Bank Terms on the Legal Terms page, depending upon which Bank provides the Bank Services to you. Feel free to contact us if you are unsure which Bank provides the Bank Services to you.

You may be eligible for a credit card account when you open a Bank Account. Refer to the applicable Payment Card Agreement found on the Legal Terms Page for more details.

18. Contact Us

Please contact customer support or (541) 262-5071 if you have any questions about these Terms or the Technology Services.

Unless required by law or if we have agreed otherwise in writing, we are not required to act upon instructions you give by fax or voicemail. In some cases, we may ask that you submit any verbal instructions to us in writing.

19. Phone Communications and Recording

You agree that we may contact you by text message for service-related information if you provide us with your phone number. For example, we may send you text messages to provide you information about fraud alerts, deposit holds, amounts you owe us, and other information related to your activity on the Technology Services. You certify, warrant, and represent that the phone number you have provided to us is your contact number and not someone else’s. You represent that you are permitted to receive calls and text messages at the phone number you have provided to us. You agree to promptly alert us whenever you stop using a phone number. When we send you a text message or call, we may use automatic dialers and artificial, text, or prerecorded messages. Standard message and data rates may apply to all text messages.

You agree that we may monitor or record phone calls you have with us for any reason, including to monitor the quality of service you receive and to verify transaction related information. You agree that we are not required to remind you before or during each phone call that the conversation is subject to being monitored or recorded in accordance with applicable state and federal law.