Last Updated On: July 9, 2026
These Terms of Service (the “Terms”) are entered into between Ryze Money Inc, a company incorporated in Nevada, and having its registered office at 732 S 6TH ST STE N, Las Vegas, NV, 89101, USA (“Ryze”, “our”, “we”, “us”), and any person who accesses or uses the Services (as defined below) (“you”, “your”).
These Terms govern your access to, and use of the services, products, features, and related services made available by Ryze through its mobile application, website, and any related interfaces (collectively, the “Platform” and, together with the services made available through it, the “Services”). The Platform enables eligible users to access and use certain financial and non-financial products and services offered or facilitated by Ryze, including products that may be provided in partnership with banks, card issuers, processors, and other financial institutions (collectively, “Ryze Products”). Certain Ryze Products may be subject to additional terms and conditions, agreements, disclosures, consents, fee schedules, policies, or other product-specific documentation, including cardholder agreements, electronic fund transfer disclosures, credit-related disclosures, or partner terms, as applicable (each, a “Product Term” and collectively, the “Product Terms”). The Product Terms are incorporated into these Terms by reference and apply to your use of the applicable Ryze Product.
By accessing or using the Platform or Services, you represent and warrant that you are eligible to enter into a binding contract under applicable law and agree to be bound by these Terms. You agree to be bound by: (i) Ryze’s Privacy Policy (“Privacy Policy”) and Privacy Notice; (ii) Ryze’s Acceptable Use Policy (“AUP”); (iii) the applicable Product Terms (including the Vault Terms set out below); and (iv) any additional policies, rules, disclosures, schedules, consents, guidelines, or service-specific terms that Ryze may publish, provide, or otherwise make available from time to time (collectively, the “Additional Terms”). The Privacy Policy, AUP, Product Terms, and Additional Terms are incorporated into and form part of these Terms by reference.
The Services are intended solely for residents of the United States of America. You acknowledge and agree that Ryze and its partners may rely on the physical address and other information provided by you in connection with your application for, or use of, the Services. You further acknowledge that certain Ryze Products, or features may not be available in all states, and you agree to promptly notify Ryze of any change to your physical address or other account information. These Terms constitute a legally binding agreement between you and Ryze. If you do not agree to these Terms, you may not access or use the Platform or Services.
Information displayed on the Platform regarding any Ryze Product, including descriptions, features, fees, limits, eligibility criteria, or availability, is provided for informational purposes and does not constitute an approval or binding offer by Ryze or any applicable partner to provide such Ryze Product. Your application to use any Ryze Product constitutes a request by you to obtain such Ryze Product, which Ryze and/or the applicable partner may approve, deny, limit, or condition in accordance with applicable law, these Terms, and the applicable Product Terms. No regulated financial product or service shall be deemed issued, approved, or made available to you unless and until all applicable eligibility, underwriting, compliance, and partner requirements have been satisfied, and you have accepted the applicable Product Terms in accordance with applicable law.
In the event of any conflict or inconsistency between these Terms and any applicable Product Terms, the Product Terms shall prevail solely with respect to the relevant Ryze Product to which they apply, and these Terms shall continue to govern all other aspects of your access to and use of the Platform and Services.
PLEASE NOTE THAT THESE TERMS CONTAIN AN ARBITRATION AGREEMENT UNDER THE SECTION TITLED “DISPUTE RESOLUTION BY BINDING ARBITRATION,” WHICH REQUIRES YOU TO RESOLVE DISPUTES WITH US THROUGH FINAL AND BINDING ARBITRATION ON AN INDIVIDUAL BASIS, AND NOT THROUGH JURY TRIALS OR CLASS ACTION PROCEEDINGS.
When we refer to the “Services”, we mean the Platform and all services, features, functionality, tools, content, and related services owned, operated, licensed, or otherwise made available by Ryze through the Platform from time to time, including services that enable you to access, apply for, manage, or use any Ryze Products.
The Services may include access to, or facilitation of certain financial products and services offered by Ryze and/or its partners, including the following Ryze Products:
as well as any additional products, features, or services that Ryze may introduce from time to time. Subject to your eligibility and compliance with these Terms, the Services enable you to create and maintain an Account on the Platform. Once your Account has been created and verified, you may use the Platform to access and use the Ryze Products made available to you, subject to these Terms and the applicable Product Terms.
Please note that not all products and services are available at all times, and our products and services are constantly changing, so you might see features come and go as we continue to improve our experience and services for you. We will sometimes need you to agree to special terms for certain products or features.
We do not warrant that:
We reserve the right, in our sole discretion, to modify, suspend or discontinue the Platform and Services (in whole or in part), including any underlying technology or backend service providers. You agree that any such change (irrespective of the cause) may alter or affect the availability, performance, or user experience of the Platform, and that we shall have no liability to you for any such change.
By accessing or using our Services, you represent and warrant that (a) you have full legal capacity, right and authority to agree to and be bound by these Terms, (b) you are the age of majority in the jurisdiction from which you are accessing our Services or are the legal guardian of the person accessing such Services, (c) you are not barred or otherwise legally prohibited from accessing or using the Services, and (d) you have neither been disqualified nor been previously suspended or removed by us or any of our affiliates from availing the Services.
In order to avail the Services, you will be required to create an account on the Platform by providing your details (“Account”) by providing your name, address, date of birth, and other information that will allow us to identify you.
You agree to provide and maintain true, accurate, and complete information about yourself and/or the entity you represent as prompted on the Platform.
Identity Verification and USA Patriot Act Notice. To help the government fight the funding of terrorism and money laundering activities, federal law requires financial institutions and their program partners to obtain, verify, and record information that identifies each person who opens an account or applies for certain financial products or services. Accordingly, when you create an Account, apply for, access, or use any Ryze Product, we, our banking partner, and/or our service providers may ask for additional information, data, or documentation (collectively, “Additional Information”) that allows us to verify your identity. You agree to share such Additional Information promptly upon request. We may also verify this information using third-party service providers. Your access to certain Services or Ryze Products may be delayed, restricted, suspended, or denied if we are unable to verify your identity or complete applicable screening requirements.
In order to access and use the Services, you may be required to complete authentication, verification, and security procedures specified by Ryze from time to time, including one-time password (“OTP”) verification, multi-factor authentication, device verification, biometric authentication, PIN creation, passcodes, or other security measures.
You must keep your Account credentials confidential; you must not share it, and you are not allowed to permit anyone else to log into our Services as you. You are responsible for all activities that occur under your Account. If you believe that your Account is no longer secure, notify us immediately by emailing us at support@ryze.com.
Subject to Additional Terms and Product Terms, we reserve the right, in our sole discretion and from time to time, to charge such fees for the Services as we may determine (“Fees”).
We also reserve the right to modify the Fees, and such changes shall become effective in accordance with applicable law and any applicable Product Terms.
We may, from time to time, also run certain promotional offers, in connection with the Ryze Products. Any such promotional benefit shall be subject to separate eligibility criteria, additional terms, and such other restrictions as may be notified by us or the relevant third-party provider from time to time. Unless expressly stated otherwise, promotional benefits: (a) are non-transferable; (b) are not redeemable for cash; (c) may not be combined with other offers; and (d) may be modified, suspended, withdrawn, or discontinued by us at any time without liability, to the extent permitted under applicable law.
All Fees paid by you, including for any third party services, are non-refundable unless otherwise expressly required under applicable law.
We will process payment for the Fees through our arrangements with third-party payment processors. You may pay for Services by providing a valid credit or debit card or any other payment method accepted by us from time to time.
All Fees are exclusive of applicable taxes (including but not limited to any service tax, withholding tax or value added tax), and you shall be responsible for payment of all taxes in relation to the Services.
In connection with your access to and use of the Platform, Services, and any Ryze Products, you agree to:
You shall use the Platform only for its intended purposes in a bona fide manner. You shall not:
Ryze reserves the right to monitor our Services electronically. We may access, use transfer or disclose, at any time and without notice to you, any information (including Personal Information as defined in our Privacy Policy) as reasonably necessary to:
The Platform and Services may enable you to access, use, or otherwise interact with services, products, content, or functionality provided by third parties, including integrations made available through the Platform (“Third-Party Services”). Certain Ryze Products may also rely on or be facilitated by third-party providers, financial institutions, data aggregators, or service providers. Your use of certain Ryze Products may require you to link external financial accounts and authorize Ryze and its service providers to access and process information relating to such accounts. Additional terms applicable to such functionality are set out in the applicable Product Terms.
Your access to and use of any Third-Party Services may be subject to separate terms, conditions, privacy policies, and other agreements imposed by the applicable third party. Ryze does not control and is not responsible for any Third-Party Services, including their availability, accuracy, security, unless expressly stated otherwise in the applicable Product Terms. Ryze may, at any time and without liability to you, modify, suspend, discontinue, or remove any Third-Party Services or integrations available through the Platform, with or without notice.
You further acknowledge and agree that we are not liable for any loss or damage which may be incurred by you as a result of the collection and/or disclosure of your information via such third party links or as a result of any reliance placed by you on the completeness, accuracy, or existence of any advertising, products, services, or other materials on or available via such third party links. Any transactions between you and a third party are solely between you and such third party unless expressly stated otherwise in the applicable Product Terms.
WE AND OUR PARTNERS PROVIDE OUR SERVICES, OUR CONTENT, AND ALL OTHER CONTENT AND MATERIALS AVAILABLE THROUGH OUR SERVICES AND ON OUR PLATFORM ON AN “AS IS” AND “AS AVAILABLE” BASIS WITHOUT ANY WARRANTY OR CONDITION OF ANY KIND, EXPRESS OR IMPLIED. WE DISCLAIM ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, RELATING TO OUR SERVICES, OUR CONTENT, AND USER CONTENT 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. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM OUR SERVICES, OUR CONTENT, USER CONTENT, OR OTHERWISE AVAILABLE THROUGH OUR SERVICES AND/OR PLATFORM WILL CREATE ANY WARRANTY REGARDING OUR SERVICES AND/OR PLATFORM THAT IS NOT EXPRESSLY STATED IN THESE TERMS. YOU USE OUR SERVICES, AND USE, ACCESS, DOWNLOAD, OR OTHERWISE OBTAIN OUR CONTENT, OR USER CONTENT OR OTHER CONTENT AVAILABLE THROUGH OUR SERVICES, AT YOUR OWN DISCRETION AND RISK. YOU ASSUME ALL RISK FOR ANY DAMAGE THAT MAY RESULT FROM YOUR USE OF OR ACCESS TO OUR SERVICES, YOUR DEALINGS WITH ANY OTHER MEMBER OR THIRD PARTY, AND YOUR USE OF OUR CONTENT, USER CONTENT OR OTHER CONTENT AVAILABLE THROUGH OUR SERVICES. YOU ARE SOLELY RESPONSIBLE FOR ANY DAMAGE THAT MAY RESULT FROM THE USE OF OUR SERVICES OR THE USE OF ANY OF OUR CONTENT, USER CONTENT OR OTHER CONTENT AVAILABLE THROUGH OUR SERVICES. NOTWITHSTANDING THE FOREGOING, NOTHING IN THIS SECTION SHALL AFFECT WARRANTIES WHICH ARE INCAPABLE OF EXCLUSION OR RESTRICTION UNDER APPLICABLE LAW.
Any information made available through the Platform are provided for general informational purposes only and do not constitute legal, financial, credit, tax, investment, or other professional advice. No advice or information, whether oral or written, obtained from Ryze or through the Platform shall create any warranty not expressly stated in these Terms. Your use of the Platform, Services, and any Third-Party Services is at your sole discretion and risk.
All rights, title, and interest in and to the Platform and Services, including text, graphics, software, photographs and other images, videos, sounds, trademarks, and service marks, are owned by or otherwise licensed to us. Subject to your compliance with these Terms, Product Terms and Additional Terms, we grant you a non-exclusive, non-transferable, non-sublicensable, revocable, and limited licence to use the Services in accordance with these Terms.
User Content. All content, materials, data, and other intellectual property that you publish, host, transmit, or otherwise make available on or through the Services (collectively, “User Content”) remain your intellectual property. Except to the extent necessary to provide the Services, we do not acquire any rights, title, or interest in the User Content. You grant Ryze a worldwide, non-exclusive, royalty-free license to use, host, store, reproduce, process, and transmit such User Content solely to the extent necessary to provide, maintain, support, improve, and secure the Platform, Services, and Ryze Products, and to comply with applicable law.
All names, whether or not appearing with the trademark symbol, are trademarks that belong to us unless otherwise stated by us. The use or misuse of these trademarks or any other materials, except as permitted in these Terms, is expressly prohibited and may be in violation of copyright law, trademark law, and any other applicable law.
Except as stated in these Terms, nothing in these Terms shall be construed as conferring any right in or licence to our or any third party’s intellectual property rights.
You may, from time to time, submit suggestions and other feedback, including bug reports, relating to the Services and/or the Platform either of your own accord or at our request (“Feedback”). In the event Ryze uses, copies, discloses, publishes, displays, distributes, and/or exploits the Feedback (“Work”), you agree and acknowledge that Ryze shall own all intellectual property in relation to such Work and can do so without any attribution to you. To the extent that Ryze is not considered the owner of Work(s) under any applicable law, you hereby assign all rights, title, and interest in Work to Ryze. Such assignment in favour of Ryze is on a worldwide, enterprise-wide, perpetual, unconditional, fully paid-up and royalty-free basis.
To the extent the assignment is not effective under applicable law, you hereby grant a worldwide, enterprise-wide, perpetual, irrevocable, fully paid-up, royalty free, unconditional unlimited right and licence to use the intellectual property rights in the Work to Ryze and further to modify, improve, interpret, compile, recompile and further licence the intellectual property rights provided in the Work for any purpose of Ryze and without identifying or seeking your consent. Notwithstanding anything under applicable law, you agree and acknowledge that the intellectual property rights in Works assigned and/or licensed to Ryze pursuant to this Section shall not revert to you or lapse merely by efflux of time or Ryze’s failure to exercise its rights.
You represent and warrant that:
You agree to indemnify, defend at our option and hold Ryze and our affiliates and our partners, and their officers, directors, agents, employees, partners, representatives and licensors harmless from and against any or all claims, demands, suits, judicial proceedings, losses, liabilities, damages and costs (including but not limited to any attorney’s fees, damages, liabilities and settlements) due to or arising out of:
To the extent permitted under applicable laws, in no event shall Ryze, its affiliates, officers, employees, directors, agents, contractors, partners, suppliers, or licensors be liable to you or any third party for any special, indirect, incidental, consequential, punitive, or exemplary (including without limitation lost business opportunities, loss of profits (including anticipated profits)) damages or any other pecuniary or non-pecuniary losses including but not limited to breach or loss of data, or goodwill, regardless of whether we have been advised of the possibility of such damages, or based on any theory of liability, including breach of contract or warranty, negligence or other tortious action or any other claim arising out of or relating to:
Notwithstanding anything to the contrary, the maximum aggregate liability of Ryze for any and all direct claims arising out of or in connection with these Terms shall be limited to $100 (United States Dollars One Hundred only). Nothing in this Section limits any rights or remedies available to you under applicable law.
We reserve the right to suspend and/or terminate your access or use of the Platform, Services, Account, or any Ryze Product, or any portion thereof, immediately and at any point, with or without notice, at our sole discretion, if:
You agree that any termination of your access to the Services under any provision of these Terms may be effected without prior notice and acknowledge and agree that we may immediately deactivate or suspend your account. You agree that we will not be liable to you or any third party for any termination of your access to the Services.
Upon termination or suspension:
Any provisions of these Terms that by their nature should survive suspension or termination shall survive, including provisions relating to intellectual property, disclaimers, limitation of liability, indemnification, dispute resolution, arbitration, and governing law.
By using our Services, you consent to receive disclosures, notices, statements, agreements, and other communications electronically in accordance with the Electronic Signatures in Global and National Commerce Act (“E-SIGN Act”).
You agree that we may provide notices to you by electronic means, for example, by posting it on our website, emailing it to any email address that you have provided us, or sending it as a text message to any mobile phone number that you have provided us. We may also send notices to you by postal mail to any postal address that you have provided us. All notices by any of these methods will be deemed received by you no later than the earlier of when received or posted or 24 (twenty-four) hours after sent, except for notice by postal mail, which will be deemed received by you no later than the earlier of when received or 3 (three) business days after it is mailed.
You consent to be contacted by us, our agents, representatives, affiliates, or anyone calling on our behalf for any purposes, at any telephone number, or physical or electronic address you provide or at which you may be reached. You agree we may contact you in any way, including short message service (“SMS”) messages (including text messages), multimedia messaging service (“MMS”), calls using prerecorded messages or artificial voice, and calls and messages delivered using auto telephone dialling systems or automatic texting systems. You may opt-out of receiving SMS text messages by responding to the text message or contacting us using the contact information provided in these Terms.
Ryze may provide you with alerts, notifications, and other communications relating to the Services. Such communications may be delivered through the Platform, email, text message, push notification, or other communication channels permitted under applicable law and your communication preferences.
You acknowledge that alerts and notifications may be delayed, unavailable, or inaccurate due to factors outside Ryze’s control, including delays by third-party service providers. Ryze does not guarantee the delivery, accuracy, or timeliness of any alerts or communications.
Governing Law. Except as otherwise provided in Section XVI (Dispute Resolution by Binding Arbitration), these Terms will be governed by the laws of the State of California without regard to its conflict of law provisions. With respect to any disputes or claims not subject to arbitration, as set forth below, you and Ryze agree to submit to the personal and exclusive jurisdiction of the state and federal courts located within San Francisco County, California.
Limitation Period. You agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to use of the Services or these Terms must be filed within 1 (one) year after such claim or cause of action arose or be forever barred.
Electronic Records. A printed version of these Terms and of any notice given in electronic form will be admissible in judicial or administrative proceedings based upon or relating to these Terms to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form.
California Consumer Notice. Under California Civil Code Section 1789.3, users from California are entitled to the following specific consumer rights notice: The Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs may be contacted in writing at 1625 North Market Blvd., Suite N 112, Sacramento, CA 95834, or by telephone at (916) 445-1254 or (800) 952-5210.
PLEASE READ THIS SECTION CAREFULLY AS IT AFFECTS YOUR RIGHTS.
Agreement to Arbitrate. This Dispute Resolution by Binding Arbitration Section is referred to in these Terms as the “Arbitration Agreement.” For purposes of this Arbitration Agreement, “Covered Parties” means Ryze and its current or former affiliates, subsidiaries, banking partners, service providers, licensors, agents, employees, officers, directors, predecessors, successors, and assigns.
This Arbitration Agreement applies to all disputes, claims, and controversies between you and any Covered Party arising out of or relating to these Terms, the Services, the Platform, any Ryze Product, or your relationship with any Covered Party, unless superseded by a product- or service-specific agreement containing a separate arbitration provision applicable to the same subject matter.
You agree that any and all disputes or claims that have arisen or may arise between you and us, whether arising out of or relating to these Terms (including any alleged breach), the Services, any advertising, any aspect of the relationship, or transactions between us, will be resolved exclusively through final and binding arbitration, rather than a court, in accordance with the terms of this Arbitration Agreement, except that you or us may assert individual claims in small claims court, if your claims qualify. This Arbitration Agreement does not preclude you from bringing issues to the attention of federal, state, or local agencies, and such agencies can, if the law allows, seek relief against us on your behalf. You agree that, by entering into these Terms, you and we are each waiving the right to a trial by jury or to participate in a class action. Your rights will be determined by a neutral arbitrator, not by a judge or jury. The Federal Arbitration Act, including both its substantive and procedural provisions, governs the interpretation and enforcement of this Arbitration Agreement.
Prohibition of Class and Representative Actions and Non-Individualized Relief. YOU AND WE 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 ACTION OR PROCEEDING. UNLESS BOTH YOU AND WE 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, OR CLASS 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 CLAIMS.
Arbitration Procedures. Arbitration will be conducted by a neutral arbitrator in accordance with the American Arbitration Association’s (“AAA”) Consumer Arbitration Rules, and, if applicable, its Mass Arbitration Supplementary Rules, that are in effect at the time the arbitration is initiated (the “AAA Rules”), as modified by the terms set forth in this Arbitration Agreement. For information on the AAA, please visit its website, https://www.adr.org. Information about the AAA Rules and fees for consumer disputes can be found at the AAA’s consumer arbitration page, https://www.adr.org/Consumer. If there is any inconsistency between any term of the AAA Rules and any term of this Arbitration Agreement, the terms of this Arbitration Agreement will control, unless the arbitrator determines that the application of the inconsistent Arbitration Agreement terms would not result in a fundamentally fair arbitration. The arbitrator must also follow the provisions of these Terms as a court would. All issues are for the arbitrator to decide, including issues relating to the scope, enforceability, and arbitrability of this Arbitration Agreement.
Unless we and you agree otherwise, any arbitration hearings will take place in a reasonably convenient location for both parties with due consideration of each party’s ability to travel and other pertinent circumstances. If the parties are unable to agree on a location, the determination will be made by AAA. If your claim is for $10,000 or less, we agree that you may choose whether the arbitration will be conducted solely on the basis of documents submitted to the arbitrator, through a telephonic hearing, or by an in-person hearing, as established by the AAA Rules. If your claim exceeds $10,000, the right to a hearing will be determined by the AAA Rules. Regardless of the manner in which the arbitration is conducted, the arbitrator will issue a reasoned written decision sufficient to explain the essential findings and conclusions on which the award is based.
Costs of Arbitration. Payment of all filing, administration, and arbitrator fees (collectively, the “Arbitration Fees”) will be governed by the AAA Rules, unless otherwise provided in this Arbitration Agreement. The arbitrator may award fees and costs, and we shall not be obligated to reimburse your portion of the Arbitration fees, except to the extent required under the AAA Rules or applicable law, if the arbitrator determines that a claim, proceeding, or defense was frivolous or brought for harassment, for an improper purpose, or in bad faith.
Arbitration Involving California Residents. If you reside in California, the arbitration provisions of these Terms are intended to be fully enforceable under the California Arbitration Act (Cal. Code Civ. Proc. §§ 1281 et seq.). Arbitration shall be conducted in accordance with the rules of the selected arbitration provider, consistent with California law governing arbitration agreements. Nothing in this agreement prevents you from seeking public injunctive relief in a court of competent jurisdiction as permitted under California law. However, any claim for monetary damages or individualized relief shall be subject to arbitration under this agreement.
Right to Opt Out of Arbitration. You may opt out of this Arbitration Agreement by sending written notice of your decision to opt out to Ryze at legal@ryze.com within 30 (thirty) days after you first accept these Terms. Your opt-out notice must include your full name, the email address associated with your Account, and a clear statement that you wish to opt out of this Arbitration Agreement. If you validly opt out of this Arbitration Agreement, all other provisions of these Terms will continue to apply. Opting out of this Arbitration Agreement will not affect any other arbitration agreements that you may currently have, or may enter into in the future, with Ryze or any Covered Party.
Severability. If a court or the arbitrator decides that any term or provision of this Arbitration Agreement (other than the Section titled “Prohibition of Class and Representative Actions and Non-Individualized Relief” above) is invalid or unenforceable, such term or provision shall be severed and the remainder of this Arbitration Agreement shall be given full force and effect. If a court or the arbitrator decides that any of the provisions of Section above titled “Prohibition of Class and Representative Actions and Non-Individualized Relief” are invalid or unenforceable with respect to any claim or any particular remedy for a claim (such as a request for public injunctive relief), then that claim or particular remedy (and only that claim or particular remedy) shall be severed from any remaining claims and/or remedies and may be brought in a court of competent jurisdiction, but the Section titled “Prohibition of Class and Representative Actions and Non-Individualized Relief” shall be enforced in arbitration on an individual basis as to all other claims or remedies to the fullest extent possible. You and we agree that a court will decide any claim or any particular remedy for a claim severed from any arbitration only after the completion of that arbitration.
Future Changes to Arbitration Agreement. Notwithstanding any provision in these Terms to the contrary, Ryze agrees that if it makes any future change to this Arbitration Agreement (other than a change to the registered address) while you are a user of the Services, you may reject any such change by sending Ryze written notice within 30 (thirty) days of the change to legal@ryze.com. By rejecting any future change, you are agreeing that you will arbitrate any dispute between us in accordance with the language of this Arbitration Agreement as of the date you first accepted these Terms (or the effective date of any subsequent changes to these Terms).
Survival. The provisions of these Terms that, by their nature, are intended to survive termination or expiration shall so survive, including without limitation those relating to intellectual property, liability, indemnification, payment obligations, disclaimers, governing law and dispute resolution, and any other provisions which, by their terms or intent, extend beyond the termination or expiration of these Terms.
Severability. If any provision of these Terms is determined by any court or other competent authority to be unlawful or unenforceable, the other provisions of these Terms will continue in effect. If any unlawful or unenforceable provision would be lawful or enforceable if part of it were deleted, that part will be deemed to be deleted, and the rest of the provision will continue in effect (unless that would contradict the clear intention of the Section, in which case the entirety of the relevant provision will be deemed to be deleted).
Waiver. No failure or delay in exercising any right, power, or privilege hereunder shall operate as a waiver thereof, nor shall any single or partial exercise of any right, power, or privilege preclude any other or further exercise thereof or the exercise of any other right, power, or privilege. Every right or remedy herein conferred upon or reserved to either party shall be cumulative and shall be in addition to every right and remedy existing at law or equity or by statute, and the pursuit of any one right or remedy shall not be construed as an election.
Force Majeure. You agree that we shall not be liable for any breach of these Terms if such breach is caused by an event that is unforeseeable and beyond our reasonable control (such as, depending on the circumstances, unavailability of any communication system, breach or virus in our system, sabotage, fire, flood, explosion, acts of God, civil commotion, strikes or industrial action of any kind, riots, insurrection, war, acts of government, unauthorised access to computer data and storage devices, computer crashes (“Force Majeure Event”). In such circumstances, we will be entitled to a reasonable extension of time to fulfil our obligations and shall take commercially reasonable methods to inform you of the Force Majeure Event and use all reasonable endeavours to mitigate the effects of the Force Majeure Event.
Notices. Any notice required or authorised to be given under these Terms shall be in writing and may be served (a) to Ryze by sending an email to legal@ryze.com marked for the attention of Legal; and (b) to you by sending an email to the email ID provided by the User while creating the Account, provided that such emails are actually received. A notice shall be effective from the day it was received, and if not received during a business day, then from the recipient’s next business day.
Modifications. We reserve the right to modify these Terms, Product Terms and Additional Policies at any time. Such modifications and additional terms and conditions will come into effect once we publish them on our website. We may also communicate such modifications to you if required by law through one or more of the following methods: (a) a notification sent to the email address associated with your Account; (b) a notice displayed within the Platform; or (c) such other means as Ryze may determine from time to time. In the event you do not agree with any of the changes, please do not continue to access and/or use our Services and our Platform.
Regulatory Changes. You acknowledge and agree that we may have to modify the Services or the Platform to comply with applicable laws. As a result of this, you may be unable to access or use all or any part of the Services or the Platform. We shall not be liable to you for such inability to use the Services or the Platform pursuant to our compliance with applicable laws.
If you would like to exercise any of your rights or if you have any grievances or queries, you may reach out to us by visiting us at our website https://ryze.money or by emailing support@ryze.com.
We may also provide live chat, or other contact methods through the Services. Please note that email or electronic communications may not be secure; do not include sensitive information such as Social Security numbers or full financial account numbers in any correspondence.
Vault is a Ryze Product that enables eligible users (“you” or “your”) to access and use Vault Services (defined below).
By enrolling in, or using the Vault Services, you agree to these Vault Terms (“Vault Terms”). These Vault Terms supplement, and are incorporated into, the Terms above. In the event of any conflict between these Vault Terms and the Terms, these Vault Terms shall prevail solely with respect to your use of the Vault Services.
Certain features of Vault Services are provided by Ryze’s banking partner, First National Bank of Lacon (“FNBL”), Member FDIC. Ryze acts as the program manager for certain Vault Services, while FNBL is the depository institution providing the Bank Account and the issuer of the Debit Card. Certain Vault Services may also be subject to additional agreements, disclosures, policies, and terms issued by FNBL and/or applicable payment networks from time to time.
The terms used in these Vault Terms shall have the meaning as ascribed below. Capitalized terms not defined in these Vault Terms shall have the meanings assigned to them in the Terms.
“ACH” means the Automated Clearing House network;
“ATM” means an automated teller machine;
“Available Balance” means the amount of funds available in your Vault account for withdrawal, transfer, card transactions, or other permitted use, after taking into account Pending Transactions, holds, restrictions, and other operational or risk-based adjustments;
“Bank Account” means the checking account made available in connection with the Vault Services by Ryze’s banking partner;
“Business Day” means any day other than a Saturday, Sunday, or federal holiday on which commercial banks in the United States are generally open for business and the ACH network is operational;
“Debit Card” means the physical and/or virtual debit card issued in connection with the Vault Services by Ryze’s banking partner;
“External Account” means any external bank account linked by you in connection with the Vault Services;
“Pending Transaction” means any transaction authorized or initiated using your Vault account or Debit Card that has not yet settled or posted; and
“Statement” means the periodic account statement made available electronically through the Platform or other authorized delivery methods reflecting account balances, transactions, transfers, fees, and other account activity for the applicable statement period.
Vault enables you to:
(collectively, the “Vault Services”).
In order to access and use the Vault Services, you must:
Ryze and/or FNBL may require you to satisfy additional eligibility requirements on an ongoing basis in order to continue accessing or using the Vault Services.
Vault Services may not be available in all jurisdictions or to all users, and Ryze reserves the right to limit, suspend, or discontinue access to Vault at any time in its sole discretion and in accordance with applicable law.
Account Opening. In order to access and use certain Vault Services, you may be required to open and maintain a Bank Account through the Platform in accordance with these Vault Terms and any additional requirements specified by Ryze and/or FNBL from time to time. Your Bank Account and certain Vault Services may also be subject to separate agreements, disclosures, policies, and terms provided by FNBL and/or applicable payment networks from time to time, including any applicable deposit account agreements, electronic funds transfer disclosures, fee schedules, and funds availability disclosures. Please note that the Vault Services do not include overdraft protection or overdraft credit functionality unless expressly stated otherwise by Ryze and/or FNBL.
Verification. You authorize Ryze, FNBL, and their respective service providers, such as Socure, to verify the information provided by you in connection with the Vault Services, including information relating to your identity, Bank Account, External Account, debit cards, account activity, and other information. Ryze and/or FNBL shall conduct Know Your Customer (“KYC”) and Office of Foreign Assets Control (“OFAC”) checks, in connection with the Vault Services.
Patriot Act Compliance. To help the government fight terrorism and money laundering activities, federal law requires financial institutions to obtain, verify, and record information identifying each person who opens an account. Accordingly, Ryze and/or FNBL may require you to provide information and documentation identifying you in connection with the opening and maintenance of your Bank Account.
Account Linking. We use third party open banking service providers like Plaid Inc. to link your External Account in connection with the Vault Services. You agree to provide true, accurate, complete, and current information about yourself and your accounts. Please note that we will not be able to provide you with some of our services/products, if you do not consent to linking your External Account for availing our Vault Services.
Ryze, FNBL, and their respective service providers may access and retrieve information relating to your Bank Account, linked External Accounts, and debit cards, including on a recurring basis, for purposes including (a) identity verification and authentication; (b) account opening, servicing, and verification; (c) fraud prevention and risk management; (d) transaction authorization and monitoring; (e) ACH transfers, transaction processing, and payment processing; and (f) providing, maintaining, improving, and supporting the Vault Services.
Compliance with Privacy Policies. You authorize Ryze, FNBL, and their respective service providers to access, retrieve, use, and process information relating to your Bank Account, External Accounts, and debit cards in connection with the Vault Services in accordance with these Vault Terms, the Terms, the Privacy Policy, and the applicable privacy policies of such third parties.
Following successful completion of onboarding, verification, and account opening processes, Ryze and/or FNBL may issue a Debit Card to you in connection with the Vault Services. The Debit Card may be made available through the Platform as a virtual card and/or as a physical card delivered to the address associated with your Account.
You must activate your Debit Card before it can be used. You may activate the Debit Card through the Platform or such other methods as Ryze and/or FNBL may make available from time to time. You may also be required to establish or manage a PIN in connection with the use of your Debit Card.
You may use your Debit Card to make transactions from your Bank Account wherever Mastercard-branded debit cards are accepted, subject to your Available Balance, applicable transaction limits, these Vault Terms, and any restrictions imposed by Ryze, FNBL, or applicable payment networks from time to time.
Your Debit Card remains the property of FNBL and may be cancelled, repossessed, restricted, suspended, or revoked by Ryze and/or FNBL at any time in accordance with these Vault Terms, applicable law, or applicable payment network requirements.
The Vault Services may also enable you to link and use eligible External Accounts or debit cards in connection with certain funding, transfer, payment, or account management functionality. Such External Accounts and debit cards are provided by third-party financial institutions and remain subject to the terms, conditions, and restrictions imposed by the applicable third-party provider.
Fund Availability. Funds deposited into your Bank Account may not be immediately available for withdrawal, transfer, or use. Availability of funds may depend on transaction verification procedures, fraud prevention reviews, regulatory requirements, network processing timelines, and other operational considerations determined by Ryze and/or FNBL from time to time. Additional funds availability disclosures may be provided separately in accordance with applicable law.
Deposits in the Bank Account are insured up to the standard maximum deposit insurance amount applicable per depositor, per ownership category, and per insured bank.
The Vault Services may enable you to initiate, receive, authorize, and manage ACH transfers and other electronic payment transactions involving your Bank Account and linked External Accounts, subject to these Vault Terms and any limitations imposed by Ryze, FNBL, applicable payment networks, or applicable law.
By using the Vault Services, you authorize Ryze, FNBL, and their respective service providers to initiate ACH debits, credits, transfers, reversals, corrections, and other electronic payment entries to and from your Bank Account and linked External Accounts in connection with the Vault Services, including for:
Transfers and electronic payments initiated through the Vault Services may be subject to processing timelines, transaction limits, settlement delays, verification procedures, fraud prevention reviews, network requirements, and other operational or compliance-related restrictions determined by Ryze and/or FNBL from time to time. Certain outbound ACH transfers or transfers involving newly linked payees or External Accounts may be subject to additional account validation, fraud prevention reviews, processing delays, or authentication procedures in accordance with applicable NACHA rules, network requirements, and fraud prevention obligations.
Ryze and/or FNBL may place holds on transactions, delay processing, reject transfers, reverse transactions, or decline payment instructions if:
You are responsible for ensuring that all payment instructions, transfer details, linked External Account information, and funding instructions submitted through the Vault Services are accurate and complete. Ryze and FNBL shall not be responsible for delays, failed transfers, misdirected payments, or other losses arising from inaccurate, incomplete, or incorrect instructions provided by you.
Your Debit Card may be used to withdraw cash, obtain balance information, and perform other supported transactions at ATMs that accept Mastercard-branded debit cards or participate in supported ATM networks made available in connection with the Vault Services.
ATM transactions may be subject to transaction limits, withdrawal limits, availability restrictions, network rules, fraud prevention controls, and other operational or security requirements imposed by Ryze, FNBL, ATM operators, or applicable payment networks from time to time.
Certain ATM operators or networks may impose additional fees, surcharges, restrictions, or limitations in connection with ATM transactions. Such fees and charges are determined by the applicable ATM operator or network and are separate from any fees charged by Ryze or FNBL. Ryze and/or FNBL do not operate or control third-party ATMs and are not responsible for the availability, functionality, security, or operation of any third-party ATM, including any delay, error, malfunction, cash unavailability, or failure affecting ATM transactions.
Ryze may generate and make available to you periodic electronic Statements through the Platform in connection with the Vault Services. Such Statements may include information relating to your Bank Account, Debit Card transactions, ACH transfers, balances, deposits, withdrawals, fees, Pending Transactions, and other account activity.
Statements may be provided electronically in accordance with the Terms and applicable law. You may have the right to withdraw consent to electronic delivery and request paper copies of certain communications in accordance with applicable law and any applicable fee schedules.
You may also access transaction history, account balances, transfer activity, card activity, and other account-related information through the Platform.
You are responsible for reviewing your Statements, transaction history, and account information and promptly notifying Ryze of any suspected unauthorized transactions, errors, inaccuracies, or suspicious activity in connection with the Vault Services.
Transactions that (a) exceed your Available Balance; (b) violate applicable transaction restrictions; (c) are identified as suspicious, fraudulent, unauthorized, unlawful, or high-risk; or (d) otherwise fail Ryze’s and/or FNBL’s fraud prevention, compliance, operational, security, or authorization checks, may be delayed, declined, reversed, restricted, or blocked by Ryze and/or FNBL at any time.
Certain transactions, merchant categories, payment activities, or transfer functionality may be prohibited, restricted, or unsupported in connection with the Vault Services, including cash-equivalent transactions, unlawful transactions, gambling-related transactions, and such other merchant category codes (“MCCs”), transaction types, or payment activity as Ryze and/or FNBL may restrict from time to time.
Ryze and/or FNBL may impose transaction limits, velocity limits, withdrawal limits, transfer limits, funding restrictions, or other operational controls in connection with the Vault Services at any time for fraud prevention, compliance, security, operational, or risk management purposes.
Ryze and/or FNBL may modify, suspend, restrict, or discontinue certain transaction functionality or access to the Vault Services at any time in accordance with applicable law, applicable payment network requirements, and operational or risk management policies.
Ryze and FNBL are not responsible if any merchant, ATM operator, payment network, financial institution, or other third party refuses to accept, honor, process, or authorize any transaction involving your Debit Card, Bank Account, or Vault Services.
Ryze and/or FNBL may investigate any reported unauthorized transaction or suspected unauthorized activity and may require you to provide additional information, documentation, or cooperation in connection with such investigation.
Your Liability for Unauthorized Transfers. You must immediately inform us if you believe your Debit Card, Account credentials, or Bank Account has been lost, stolen, compromised, or used without authorization. Subject to applicable law:
You must promptly notify Ryze of any suspected billing errors, transaction disputes, unauthorized transfers, incorrect charges, or other discrepancies relating to the Vault Services.
You must notify us no later than 60 (sixty) days after the first Statement on which the suspected error appeared was made available to you. When notifying Ryze of a suspected error, you should provide:
Upon receipt of a dispute or error notice, Ryze and/or FNBL may investigate the relevant transaction or account activity and may require additional information, documentation, or cooperation from you.
Pending completion of any investigation, Ryze and/or FNBL may temporarily withhold credits, reversals, refunds, or adjustments relating to the disputed transaction or account activity, to the extent permitted under applicable law. Ryze and/or FNBL will notify you of the results of the investigation upon completion.
If your Bank Account remains inactive or dormant for an extended period of time, Ryze and/or FNBL may classify the account as dormant or inactive in accordance with applicable law, regulatory requirements, and internal policies.
Funds held in dormant or inactive accounts may become subject to applicable unclaimed property, abandoned property, or escheat laws and may be reported and remitted to the appropriate governmental authority in accordance with applicable law.
Prior to remitting funds to a governmental authority, Ryze and/or FNBL may attempt to contact you using the contact information associated with your Account; however, it is your responsibility to maintain accurate and current contact information at all times.
Once funds are remitted to a governmental authority pursuant to applicable unclaimed property or escheat laws, Ryze and FNBL may no longer have any responsibility or liability with respect to such funds, and any claim relating thereto must be made directly with the applicable governmental authority.
Ryze and/or FNBL may suspend, restrict, block, close, or terminate your access to the Vault Services, Bank Account, Debit Card, or certain transaction functionality at any time, with or without notice, if:
Upon suspension, restriction, closure, or termination of the Vault Services:
The Bank Account is a non-interest-bearing account.
No interest or annual percentage yield (“APY”) will be paid on funds held in the Bank Account.
No minimum balance is required to open or maintain the Bank Account unless otherwise specified by Ryze and/or FNBL.
Please refer to Annexure I of these Vault Terms for the fees and charges in relation to the Vault Services.
If you would like to exercise any of your rights or if you have any grievances or queries, you may reach out to us by visiting us at our website https://ryze.money or by emailing support@ryze.com.
The fee schedule for Vault Services will be published here when finalized. Until then, any applicable fees will be disclosed in the Platform and/or in separate Product Terms or disclosures provided at account opening or before a fee is charged.