Not getting paid on time?
Improve the Collection Rate
on Unpaid Bills.
Set It and Forget It.
2% Transaction Fee.
or Merchant Fees.
Struggling to Pay your Bills?
Pay off Debts.
No Bills in the Mail.
No Checks to Write.
No Credit Card Debt.
No Interest Charges.
2% Transaction Fee.
Improve the Collection Rate
on Unpaid Bills.
In the News
June 13, 2018
13 Blockchain Insider Tips With Maria Eagleton
Blockchain technology is providing us with ways to help millions of people. Our co-founder, Maria Eagleton, shares her knowledge and wisdom on blockchain technology.
April 25, 2018
Cryptanite today announced a partnership with Dwolla, the white label e-commerce service utilizing ACH payment systems and used by millions around the country.
April 16, 2018
Cryptanite Blockchain Technologies Corp. introduces ChargaCard Payments App. ChargaCard’s secure network will offer alternative financing options intended to bypass expensive third-party financial institutions and predatory credit card firms.
April 9, 2018
Amended notice of change in Corporate structure
Cryptanite Blockchain Technology Corp. defined the date of its first financial year-end after the acquisition transaction, which was completed on March 7, 2018, as December 31, 2018.
We are here to help!
ChargaCard (“ChargaCard”, “we”, “us”, “our”) is an online platform that connects customers and online merchants to facilitate the creation of direct credit arrangements between these parties. The ChargaCard Platform includes payment transfers, social, and interactive features defined elsewhere in this agreement (the “Services”), in which certain users (“Client” or “Clients”) connect with other users (“Business” or “Businesses”) wishing to obtain credit or other similar arrangements with the Business (users of our Services to be referred to as a “User” or “Users”).
By signing up or otherwise using the ChargaCard platform, websites (the “Site” or “Website”), and software applications (together, the “ChargaCard Platform” or “Platform”), or accessing any content or material that is made available by ChargaCard through
terms that you agree to are referred to together as the “Agreements”). If you wish to review the terms of the Agreements, the effective version of the Agreements can be found on ChargaCard’s website. You acknowledge that you have read and understood
the Agreements, accepted these Agreements, and agree to be bound by them. If you don’t agree with (or cannot comply with) the Agreements, you may not use the ChargaCard Platform in any manner.
Please read the Agreements and, specifically, these Terms carefully. They cover important information about ChargaCard Platform provided to you and any charges, taxes, and fees we bill you. The Agreements include information about future changes to the Agreements, export controls, automatic renewals, limitations of liability, privacy information, a class action waiver, and resolution of disputes by arbitration instead of in court.
These Terms of Service remain in effect until canceled by either party, as explained elsewhere. ChargaCard may cancel these Terms or any aspect of the Service at any time upon ten (10) days advance notice for any reason. ChargaCard may cancel these Terms of Service with you or any aspect of the Service provided to you immediately if you breach any obligations required of you in these Terms of Service, any of the documents described in these Terms, or, in our judgment, you are about to breach any such obligation.
You affirm that you are (1) at least 18 years of age or older, and (2) have the power to enter a binding contract with us and not be barred from doing so under any applicable laws, and (3) are a resident in the United States. You also promise that any registration information that you submit to ChargaCard is true, accurate, and complete, and you agree to keep it that way at all times. Additional limitations on the permitted use of our Site and Services may be found elsewhere in the Agreements.
Occasionally we may, at our discretion, make changes to the Agreements. When we make changes to the Agreements, we’ll provide you with prominent notice as appropriate under the circumstances, such as by displaying a prominent notice within the Platform
or by sending you an email. In some cases, we will notify you in advance. Your continued use of the Platform after the changes have been made will constitute your acceptance of the changes. Please therefore ensure you read any such notice carefully.
If you do not wish to continue using the Platform under the new version of the Agreements, you may terminate the Agreements by contacting us through the Customer Support contact form.
ChargaCard reserves the right to revise, modify and supplement the content of the Site and these Terms (and all other documents related hereto or described herein) at any time in ChargaCard’s sole discretion. The latest Terms or other applicable document will be posted to the Site and the date indicated as "Last Revised" at the beginning of these Terms of Service or with respect to any other modified document will be updated to reflect the date as of which the last of any such revisions, modifications and supplementation occurred. Your continued use of the Site and the Service from the date the modified version is posted to the Site shall be deemed to constitute Your affirmative acknowledgment of, and agreement to abide and be bound by, the modified terms, conditions and obligations therein. Therefore, you should regularly check the Site for updates and/or changes. If You object to any of these revisions, modifications or supplementations or become dissatisfied with the Service in any way, your sole recourse is to immediately discontinue Your use of the Service and the Site.
ChargaCard reserves the right to revise, modify and supplement these Terms of Service at any time in ChargaCard’s sole discretion. ChargaCard will notify You of any such change to these Terms of Service, and You shall promptly notify Your customers who are subject to these Terms of Service of the change.
ChargaCard is an online platform that connects customers and businesses to facilitate the creation of direct credit arrangements between these parties, and to process and facilitate payments made between these parties. We may use third party services
to assist in these services.
In connection with the Services, a Client may form a relationship with a Business in which the Client is extended credit from the Business (a “Credit Line”). The existence, amount, and terms of the Credit Line may be dependent on numerous factors, including but not limited to the ChargaCard Score (discussed and defined elsewhere in these Terms). The maintenance of a Credit Line may carry with it various fees, also discussed elsewhere in these terms. The initiation of a Credit Line may require an upfront payment (the “Down Payment”) again subject to numerous factors, including the ChargaCard Score. The Business may impose a limit on the amount of money the Client can loan from the Business (a “Credit Limit”), and ChargaCard may impose a global Credit Limit governing the maximum amount of a credit given Client may have among all Business participants of the System.
From time to time, ChargaCard may develop and incorporate other features into the Service, either in connection with existing features or on a stand-alone basis. Your use of such additional features, if any, is governed by these Terms of Service.
As part of the Service, ChargaCard may make available to you additional features that allow you to integrate or use the Service with products and services provided by third-parties ("Add-On Features"). Add-On Features may be provided for a fee or at no charge. You agree that you will pay all applicable fees for the Add-On Features that you sign up for. ChargaCard does not endorse any third-party products or services that you use or may be entitled to use in connection with the Service or an Add-On Feature. You understand that Add-On Features may impact your use of the third products or services with which these features integrate.
During your use of our Services, we may ask you to provide personally identifiable information to us, such as your e-mail address, bank account information, credit information (including your name, address, social security number, date of birth, and any
other similar information) in connection with creating a user account on our website, or for other purposes, such as determining your credit worthiness and ability to participate in aspects of our Services. Some of our Services may be unavailable
to you without the creation of such a user account.
To open a Client user account, the Client must provide debit account information as a primary funding source, as well as a credit card or another debit card as a backup funding source (the “Funding Sources”). Debits and deposits may be made to these Funding Sources consistent with the Terms and other information presented to you through using our Services. Backup Funding Sources may be charged in the event the designated primary Funding Source is no longer active, refuses a charge initiated by us or a Business, or lacks sufficient funds. Clients must maintain at least one active Funding Source.
The accurate submission of information, when asked of you, is required to participate in some aspects of our Services. You agree to not submit knowingly false, fraudulent, or inaccurate information in connection with creating a user account on our website, and that you are creating a user account on your own behalf, or with the express consent of a third party who is authorized to use our Services and Websites, and agrees to these Agreements.
By using ChargaCard Platform you accept that ChargaCard can move the funds from your bank account/credit card to any Business’s bank account as either requested by you or the Business and you allow ChargaCard to automatically withdraw funds from your bank account to pay yout minimum payments on the Platform.
We may disable or remove your user account for any reason, at any time, in our sole discretion and without your consent or prior knowledge. Such reasons may include for lack of payment of fees, because our business is no longer viable, or the Service or aspect of the Service is no longer viable, for maintenance on our Site or in connection with our Services, or for any other reason.
ChargaCard is a facilitator of contact between Business and Client users. As such, ChargaCard does not determine, nor are we capable of determining, factors such as the Credit Line offered to a Client from a Business, the terms of the loan, the manner
and timeliness in which the loan is paid, or any similar detail regarding the relationship between the Business and the Client.
Each Business user is solely and entirely responsible for determining the credit worthiness of a potential Client, for ensuring that the Client represented on ChargaCard is reflective of an actual client of the Business, for creating invoices, receipts, or other documentation substantiating this relationship or any other relationship flowing from the Business's or the Client’s use of the Services, for ensuring and verifying timely repayment of any loan or installment offered, for initiating collection actions regarding payment, and for determining, overseeing, and managing any facet of the relationship as contemplated in this section.
To the maximum extent permissible by law, ChargaCard disclaims any liability, damages, or similar penalties that may thought to be imposed on ChargaCard or otherwise arising from the behavior of Business and Client users. This includes, for example, should Business or Client users violate any provision of law (through their actions or inactions). ChargaCard will not mediate any dispute between Business and Client users, however ChargaCard does reserve our right, as contemplated in these Terms, to terminate the accounts (and therefore suspend Services and access to the Site) of any User, at any time. Termination of the User account may not serve to terminate the relationship between the Client and the Business, which may itself carry important rights, obligations, and legal remedies. Clients concerned about the manner of the relationship between themselves and the Business should contact the Business in question directly for additional information.
We may generate a proprietary credit-like scoring number (the “ChargaCard Score”) based on information gathered from Clients who are seeking loan or credit opportunities from Businesses. The ChargaCard Score may be impacted by numerous factors, the makeup
and relative value of which are proprietary to us.
The ChargaCard Score algorithm utilizes different data points: transactional data on the account when available from various sources information about a Client’s activity on the System, and publicly available information from sources such as Facebook and LinkedIn. For example, some factors that may increase the ChargaCard Score for the Client include full and timely payments, the existence of multiple Funding Sources, and the presence of social media accounts. Some factors that may decrease the ChargaCard Score for the Client include late payments, a default on a credit or loan obligation, or the removal of Funding Sources or social medial information.
The ChargaCard Score does not utilize information that may be prohibited from being utilized under the Equal Credit Opportunity Act. This Act and similar acts may restrict our ability to use certain data to generate a ChargaCard Score. Such prohibited data includes age, race, religion, gender, and other, similar factors.
Should a Business be unwilling to offer any credit services to the Client, the Business retains all responsibility to comply with any applicable consumer financial protection laws, such as but not limited to laws promulgated by the federal Consumer Protection Bureau, rules, regulations, or similar acts by any other agency that may be responsible for reporting credit decisions to Clients.
We may charge a fee for our Services (the “Fee” or “Fees”). Fees are subject to change without notice. Such Fees may be assessed for you use of our Services.
Any fees due in connection with the Service are non-refundable. Transaction fees and all other fees owed by you to ChargaCard will be automatically debited the Funding Sources, without your prior authorization (after your consent on sign up stage). You hereby authorize ChargaCard to perform all such debits on a monthly basis (the “Monthly Payment”). ChargaCard’s prices and fees may include transaction or credit card processing fees, sales, use, service, value-added or similar taxes, to be displayed on the given transaction. You shall pay applicable taxes, unless you have provided to ChargaCard an appropriate exemption certificate for the delivery destination acceptable to the applicable taxing authorities. All payments must be made in United States dollars.
In the event you fail to pay any sum when it is due, or any charge initiated by us is denied by you or your Funding Sources for any reason, ChargaCard may continue to attempt charges to your Funding Sources or alternate Funding Sources at our discretion.
If these actions fail to collect the balance due, ChargaCard may initiate an internal collection process that will last 90 (ninety) days: during the first 14 (fourteen) days ChargaCard will try to collect the sum every 3 (three) calendar days first from you debit; if after 14 (fourteen) days the sum hasn’t been collected, ChargaCard will repeat the process every 5 (five) days for the duration of the remaining 76 (seventy six) days. Our actions or inactions under this process in no way inhibit our legal right to payment, or prejudice any rights we may have to collect payment from you through any manner, including through the initiation of legal action. Excessive non-payments may result in the deactivation and deletion of a Client account, and may prohibit, at our discretion, the Client from utilizing our Services in the future.
ChargaCard reserves the right to disable the username(s) and password(s) for your account, to cancel your account and to pursue other collection or legal remedies.
In the event you wish to contest or dispute payment to, or collection by, ChargaCard of any sums in connection with the Service, you must provide written notice of such contest or dispute to ChargaCard within 60 (sixty) days of the date on which any such sum becomes due, such as by contacting us through our support e-mail address.
ChargaCard will charge Businesses 2% and Clients 2% of the full amount of the credit. Please note, that this fee will be charged on the first payment of the total amount of the credit line. There are no additional fees to a Client unless the Client fails the actions (Section 7). In case the action is failed the Client may be subject to interest charges. The interest depends on your ChargaScore and your payment history in the system. The proceeds of interest charges will be transferred to a Business that initiated credit line. The Client will be notified and will have to submit a payment (transaction) with fee to make a credit from any Business.
Even if not expressly prohibited via any of these Terms, you may not attempt, or to actually succeed in, any circumvention, manipulation, or otherwise alteration of our billing system and fee structure to change what you may, from the obvious context of your usage of our Services and stated fee schedule, be required to pay us. Any such circumvention or attempted circumvention may result in the immediate termination of your ability to use our Services, the assessment of additional fees, and subject you to legal action.
Notwithstanding any information that may be construed to be contrary elsewhere in these Terms, the minimum Monthly Payment amount for a User with an active Credit Line with a Business is calculated in accordance with installment plan for this credit and will be displayed as the greater of fixed dollar amount or percentage of the current outstanding debt.
A Down Payment may be due upon initiation of a Credit Line. The Down Payment may vary from 0% to 100% of the requested Credit Line.
Unless specified elsewhere in the specific arrangements made or anticipated to be made between a Client and a Business, each billing period (a “Billing Period”) is one calendar month, beginning on the first day of the month, and ending on the last day of the month. However, under no circumstances shall a Billing Period, including the first month under which a Billing Period may become due, be less than sixteen days. For example, if a Credit Line is initiated on the 17th day of April, the first payment under the Billing Period shall be due on June 1. If a Credit Line is initiated on the 13th day of April, the first payment under the Billing Period shall be due on May 1.
ChargaCard, or other third parties, owns all rights, title and interest in and to the Service and the Site, and portions and similar owns or licenses all applicable rights to any Intellectual Property Rights, as defined in this section, whether registered,
unregistered, or eligible to be registered, and any trademarks, logos and service marks ("Marks") displayed on the Site or through the Service. "Intellectual Property Rights" means any and all rights existing from time to time under patent law,
copyright law, trade secret law, trademark law, unfair competition law and any and all other proprietary rights, and any and all applications, renewals, extensions and restorations thereof, now or hereafter in force and effect worldwide.
You acknowledge and agree that no title to any Intellectual Property Rights of ChargaCard or such third parties is transferred to You, and that You do not obtain any rights, express or implied, in the Site or the Content other than the rights expressly granted in these Terms of Service. The Content may be protected by copyright and other Intellectual Property Rights. You are prohibited from using any Marks for any purpose including, without limitation, use as metatags on other pages or sites on the World Wide Web without the written permission of ChargaCard or such third party that may own the Marks. You agree not to remove, obscure or alter the copyright notice, trademarks or other proprietary rights notices belonging to ChargaCard or such third parties affixed to or contained within or accessed in conjunction with or through the Site. Your use of the Service, the Content or the Site is not an endorsement of You or Your business by ChargaCard, and You shall not utilize the trademarks, logos or service marks of ChargaCard or such third parties to suggest any endorsement or affiliation to them. You remain owner of all rights, title and interest in and to the Intellectual Property Rights in Your trademarks, logos and service marks. If You upload any trademark, logo or service mark, or other material, you thereby grant ChargaCard a limited license to use such in conjunction with your use of the Service, such as on your invoices or web page displays generated by the Service, and to identify you as a user of the Service.
You agree that ChargaCard’s service providers and suppliers are third-party beneficiaries of the above provisions, with all rights to enforce such provisions as if they were each a party to these Terms of Service.
At various times, you may submit content to our Website or Services (the “User Submitted Content”), such as the name, logo, or trade dress of a Business, or any other material or content. Such content may contain text, images, hyperlinks, content subject
to intellectual property protection such as but not limited to trademarked information, and other information and media. You represent that you own or control all of the rights to all of the material submitted to our website, including but not
limited to images, and that this material does not violate our Terms, or the rights of any third party, or any relevant laws. We will make public any data submitted to us at our sole discretion, even if this data may be noted as private, confidential,
trade secret, or otherwise not intended for public display.
You should not submit or share secret material to us with the expectation that this material will remain secret.
You grant ChargaCard a perpetual, unlimited, irrevocable license to use, reproduce, modify, distribute, or display materials you submit on our website in connection with our Services, or in any other manner at any other time, including for promotional or other commercial purposes not connected with our Services.
We may process, use, analyze, or commercialize material you submit in any way, including in ways not yet known, without any compensation, notice, or your consent, at any time, and without the compensation, notice, or consent of any third parties or successors in interest. We may remove or modify material you submit at any time, without your consent or prior notification.
ChargaCard and our Website and Services are not a repository for your data. We may lose, eliminate access to data you submit, or disable your ability to access this data, at any time, at our sole discretion, without prior notice or your consent. Our display or hosting of data you submit does not create any implied right of any kind. We disclaim all responsibility, and assume no liability for any material posted by any third party, including you, or that may result from a loss, modification, or revocation of access to you, any other User, or a third party, to such data.
We may not monitor the material submitted by you, any User, or any third parties for accuracy or for compliance with these Terms or any other relevant terms or laws. We make no express or implied representations regarding the accuracy of such User Submitted Content or other content.
We are not responsible for future misuse or misappropriation of any content posted on our website by third parties, even if this use is not in compliance with these Terms.
You may not submit content you know or believe to be spam, pornographic, illegal, malicious, intentionally defamatory, intending to harm our Services or Website, harm another user, or harm any third party.
You may submit other content to us, such as but not limited to feedback, ideas, reviews, and comments. These submissions in any form are similarly covered by all terms of this section.
The following uses of our Website and Services are prohibited: (a) the use of automated spiders, crawlers, or scrapers, except in connection for inclusion with publicly available web search engine results online (downloading, crawling, or programmatically accessing our Services or Site in any way with the intent to reproduce our information on any other content aggregator or any similar website, is prohibited without our prior written consent); (b) using our Services or Website with the intent of modifying, verifying, or compiling records of any kind, or the assessment of taxes by any taxation authority, its employees, or agent; (c) using our Services or Site with the intent of harassing us, our users, or any third party; to commit any kind of fraud; to intend to cause any harm to us, our users, or any third party; or to instigate or participate in a denial of service attack or similar malicious attack directed at us, our users, or any third party; (d) using our Services or Site with the intent of infringing on the intellectual property rights of any other party; (e) using our Services or Site with the intent of violating any provision of law, rule, or regulation.
If you believe that any User has acted inappropriately, which may include, but is not limited to, offensive, violent, illegal, or otherwise inappropriate behavior, you may report such violations to firstname.lastname@example.org.
ChargaCard respects the intellectual property rights of our Users, and of third parties. If you believe that your intellectual property rights have been in some way infringed, you may contact us at email@example.com, through which our Copyright Agent may be contacted. We may require you to submit additional information with your query at our future discretion, which may include an identification of the offended material, the basis through which you believe your claim is valid, your contact information, and a sworn statement regarding your status as the true copyright holder.
Wet may limit access to, or temporarily or permanently remove material we believe to be in violation of copyright laws or of another’s intellectual property, even without complaints from Users or third parties. We will comply with the appropriate provisions of the DMCA to the extent possible in handling alleged copyright violations.
We may terminate this legal agreement with you, at any time, without notice, and at our sole discretion if (a) you have breached any provision of the Terms, or any law or rule or regulation, or we believe you intend to make such a breach, or we believe
you are unable to comply with any provision of the Terms; or (b) we are required to do so by law; or (c) we cease operation or providing Services or our Sit; or (d) in cases provided for in these Terms.
You may terminate your legal agreement with us at any time by (a) discontinuing the use of our Services, for example, if you have a user account with us, you must delete your user account or inform us of your desire to delete this account, or (b) affirmatively manifesting to us that you wish to terminate this legal agreement, such as by e-mailing firstname.lastname@example.org. However, Users are unable to cancel their account on the Platform if payments to or from that account are forthcoming. For further information, please contact the e-mail address listed above.
Our or your termination of this Agreement shall not in any way impact the rights you have agreed to as detailed in the Disclaimer of Warranties and General Disclaimer, Indemnification, Arbitration, and choice of law provision sections elsewhere in these Terms, or in any other section that explicitly notes it shall continue to be in effect after the expiration or termination of our relationship. These sections remain in effect, and therefore our protections remain in effect, so long as you or your successors in interest retain the ability to litigate any legal claim you may have against us, or any third party that may in any way implicate or involve us maintains such claims, and so long as you or your successors in interest remain liable for any civil or criminal claim arising out of or in any way implicating us or the use of our Site or Services.
The termination of your account or your relationship with us may result in the loss of information associated with your user account or your usage of our Services such as, for example, any User Submitted Content, or may permanently restrict your access to our Services. ChargaCard does not accept any liability for any loss you may incur resulting from the loss of such information, or Services.
You acknowledge and agree that any information you enter into the Service, including but not limited to customer contact information and financial account information, may be utilized by ChargaCard for the sole purpose of providing the Service to you. You represent and warrant that You have all rights to provide any such data to ChargaCard and to grant ChargaCard the foregoing rights. You have the right, during the Term, to use any system export feature to retrieve data from the Service, but you understand that this export function does not include the ability to export full credit card account numbers or bank account numbers. Should you request export of this financial account information, you acknowledge and agree that ChargaCard may provide this service at an additional fee but is under no obligation to do so.
You agree and understand that you are solely responsible for maintaining the confidentiality of any passwords associated with any account you use to access our Services or Site. We will not give your password out to anyone without your express permission or unless required to do so by law. You agree that you will be solely responsible for the activities that occur under your account, even if your account is accessed by another party without your consent.
YOUR USE OF THE SERVICE IS AT YOUR OWN RISK. THE SERVICE AND ALL CONTENT MADE AVAILABLE ON OR THROUGH THE SITE OR VIA THE SERVICE ARE PROVIDED TO YOU BY CHARGACARD "AS IS" ON AN "AS AVAILABLE BASIS" WITHOUT WARRANTY OF ANY KIND EITHER EXPRESS OR IMPLIED
INCLUDING, WITHOUT LIMITATION, THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, SECURITY, OR ACCURACY. CHARGACARD MAKES NO WARRANTY THAT (A)THE SERVICE WILL MEET YOUR REQUIREMENTS, OR (B)
THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE OR ERROR-FREE.
CHARGACARD DOES NOT ENDORSE AND IS NOT RESPONSIBLE FOR (A) THE ACCURACY, TIMELINESS OR RELIABILITY OF ANY INVOICE, APPOINTMENT, STATEMENT, OR OTHER ITEM GENERATED THROUGH THE SERVICE (B) THE ACCURACY, TIMELINESS OR RELIABILITY OF ANY INVOICE, OPINION, ADVICE, APPOINTMENT, OR STATEMENT MADE THROUGH THE SERVICE OR THE SITE BY ANY PARTY OTHER THAN CHARGACARD, (C) ANY CONTENT PROVIDED ON ANY THIRD PARTY SITE(S) LINKED TO THE SITE, OR (D) THE CAPABILITIES OR RELIABILITY OF ANY PRODUCT OR SERVICE OBTAINED FROM ANY THIRD PARTY SITE(S) LINKED TO THE SITE.
OTHER THAN AS REQUIRED UNDER APPLICABLE LAW, UNDER NO CIRCUMSTANCE WILL CHARGACARD, OR ANY OF ITS AFFILIATES, AGENTS, OFFICERS, DIRECTORS OR EMPLOYEES, BE LIABLE FOR ANY LOSS OR DAMAGE CAUSED BY YOUR RELIANCE ON INFORMATION OBTAINED THROUGH THE SERVICE OR THE SITE, OR YOUR RELIANCE ON ANY PRODUCT OR SERVICE OBTAINED FROM A LINKED SITE. IT IS YOUR SOLE RESPONSIBILITY TO EVALUATE THE ACCURACY, COMPLETENESS AND USEFULNESS OF ANY OPINION, ADVICE OR OTHER CONTENT AVAILABLE THROUGH THE SITE OR OBTAINED FROM A THIRD PARTY SITE LINKED TO THE SITE. PLEASE SEEK THE ADVICE OF PROFESSIONALS, AS APPROPRIATE, REGARDING THE EVALUATION OF ANY SPECIFIC OPINION, ADVICE, PRODUCT, SERVICE OR OTHER CONTENT.
CHARGACARD DOES NOT REPRESENT OR WARRANT THAT THE SITE IS COMPATIBLE WITH YOUR EQUIPMENT OR THAT THE SITE IS FREE OF VIRUSES, WORMS, BOTS OR ANY OTHER HARMFUL, INVASIVE OR CORRUPTED FILES. TO THE MAXIMUM EXTENT ALLOWABLE BY LAW, THE UNIFORM COMMERCIAL CODE AND THE UNIFORM COMPUTER INFORMATION TRANSACTIONS ACT SHALL NOT APPLY TO THESE TERMS OF SERVICE.
THE INFORMATION, SOFTWARE, PRODUCTS, SERVICE, SITE, CONTENT AND DESCRIPTIONS OF THE SERVICE PUBLISHED ON THE SITE OR A LINKED SITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS, AND CHARGACARD SPECIFICALLY DISCLAIMS ANY LIABILITY FOR SUCH INACCURACIES
OR ERRORS. CHARGACARD DOES NOT REPRESENT OR WARRANT THAT THE CONTENT ON THE SITE IS COMPLETE OR UP-TO-DATE. CHARGACARD IS UNDER NO OBLIGATION TO UPDATE THE SITE, THE SERVICE OR THE CONTENT. CHARGACARD MAY CHANGE THE SITE, THE SERVICE OR THE CONTENT,
OR MAY MAKE IMPROVEMENTS OR CHANGES THERETO, AT ANY TIME WITHOUT NOTICE.
YOU AGREE THAT NEITHER CHARGACARD, NOR ANY OF ITS AFFILIATES, AGENTS, OFFICERS, DIRECTORS OR EMPLOYEES, WILL BE LIABLE, WHETHER IN CONTRACT, TORT, STRICT LIABILITY OR OTHERWISE, FOR ANY DIRECT, PUNITIVE, SPECIAL, CONSEQUENTIAL, INCIDENTAL OR INDIRECT DAMAGES (INCLUDING WITHOUT LIMITATION LOST PROFITS, COST OF PROCURING SUBSTITUTE SERVICE OR LOST OPPORTUNITY) ARISING OUT OF, OR IN CONNECTION WITH, THE USE OF THE SITE, THE SERVICE, THE CONTENT OR A LINKED SITE, OR WITH THE DELAY OR INABILITY TO USE THE SITE OR A LINKED SITE, EVEN IF CHARGACARD OR ANY SUCH AFFILIATE, AGENT, OFFICER, DIRECTOR OR EMPLOYEE IS MADE AWARE OF THE POSSIBILITY OF SUCH DAMAGES. THIS LIMITATION ON LIABILITY INCLUDES, WITHOUT LIMITATION, THE TRANSMISSION OF ANY VIRUSES THAT MAY INFECT YOUR EQUIPMENT, FAILURE OF MECHANICAL OR ELECTRONIC EQUIPMENT OR COMMUNICATION LINES, TELEPHONE OR OTHER INTERCONNECT PROBLEMS (E.G. YOU CANNOT ACCESS YOUR INTERNET SERVICE PROVIDER), UNAUTHORIZED ACCESS, THEFT, DATA LOSS, OPERATOR ERRORS, STRIKES OR OTHER LABOR PROBLEMS, OR ANY FORCE MAJEURE. CHARGACARD CANNOT AND DOES NOT GUARANTEE CONTINUOUS, UNINTERRUPTED OR SECURE ACCESS TO THE SITE, THE SERVICE OR THE CONTENT.
You shall defend, indemnify and hold ChargaCard, and its agents, service providers, parent, subsidiaries, affiliates, officers, employees, directors, representatives and agents, harmless from any claim, cause of action or demand, loss, liability or damage
(including reasonable attorneys’ fees, accounting fees and costs) made or brought by you or by any third party due to, or arising out of, any of the following: (a) your use of the Site (or the use of the Site by your customers), the content on
the Site or the Service or any other program offered on or through the Site; (b) the violation by you, or your customers or anyone using your computer or your username and password, of these Terms; (c) any user submission posted by you; or (d)
the infringement or violation by you, or your customers or anyone using the Service or the Site with your computer or your username and password, of any Intellectual Property Rights or other right of any person or entity; or (e) any failure to
follow any applicable consumer protection, data privacy, storage, or similar law, rule, regulations, or ordinance that may be imposed on you as a result of your activities as facilitated by us; or (f) any dispute arising between you and another
User regarding fees, payment terms, approval for loan opportunities, or similar transactions; and (h) your failure to comply with all data privacy and security laws, rules, regulations and guidance applicable to you or the information provided
to you by ChargaCard, including any law, rule, regulation, standard or guidance, or other condition or provision.
ChargaCard reserves the right to exclusively defend and control the defense, settlement and resolution of any and all claims arising from the above causes and any such indemnification matters arising therefrom and you agree that you will fully cooperate with ChargaCard in any such defenses and reimburse ChargaCard for reasonable fees (including attorney’s fees) and expenses in connection therewith.
You agree that any and all disputes, claims or controversies arising out of or related to the use of the Site, the provision of the Service or these Terms of Service, including any claims under any statute or regulation ("Disputes"), shall be submitted
for binding arbitration. Unless the parties agree otherwise, any arbitration shall take place in the State of Colorado, City and County of Denver, and shall be administered by, and pursuant to the commercial arbitration rules of the American
Disputes shall be arbitrated on an individual basis. There shall be no right or authority for any Disputes to be arbitrated on a class action basis or in a purported representative capacity on behalf of the general public or other persons or entities similarly situated. The arbitrator’s authority to resolve Disputes and to make awards is limited to Disputes between You and ChargaCard alone, and is subject to the limitations of liability set forth in these Terms of Service. Disputes brought by either You or ChargaCard against the other party may not be joined or consolidated in arbitration with Disputes brought by or against any third party, unless agreed to in writing by You and ChargaCard. No arbitration award or decision on any Disputes shall be given preclusive effect as to issues or claims in any dispute with anyone who is not a party to the arbitration. Should any portion of this paragraph be stricken from these Terms of Service or deemed otherwise unenforceable, then the entire section of these Terms of Service labeled "Arbitration" shall be stricken from these Terms of Service.
The provisions of the section of these Terms of Service labeled "Arbitration" and all arbitration awards duly made in connection therewith may be enforced in a court of competent jurisdiction, and the party seeking enforcement shall be entitled to an award of all costs, fees and expenses (including attorney fees) incurred in obtaining the enforcement of this provision, to be paid by the party against whom enforcement is ordered. All arbitration awards duly made under these Terms of Services shall not be subject to review or appeal except as permitted by applicable law. Any provision of these Terms of Service to the contrary notwithstanding (a) You or ChargaCard may seek interim relief from a court located in the State of Colorado, City and County of Boulder to protect such party’s rights or property while arbitration is pending, and (b) ChargaCard may bypass the aforementioned arbitration process in cases of fraud or other crimes against ChargaCard, interference with ChargaCard’s technical operations or violations of ChargaCard’s rights or property.
Your access to and use of the Service and the Site are subject to all applicable international, federal, state, and local laws and regulations. ChargaCard does not make, and hereby disclaims, any representation that the Content is appropriate or available for use in any particular location, and access to Content from territories where the Content may be illegal is prohibited. Those who choose to access or use the Site and the Service do so at their own initiative and risk and are responsible for compliance with all applicable laws.
The laws applicable to the use of the Site, our Services, and the interpretation of these Terms shall be the laws of the State of Colorado, United States, and applicable federal law, without regard to any conflict of law provisions that would result in the laws of a different entity being applied.
Dwolla is a powerful payments platform that securely connects to bank or credit union accounts to enable the transfer of money for any individual or organization in the U.S.
If you have any questions related to ChargaCard, you can contact ChargaCard support center by e-mailing email@example.com.
ChargaCard may also collect non-personalized, or non-identifiable information (the “Anonymous Information”) in which we are unable, and do not foresee being able, to tie this data back to you or any particular User. Such data, by way of example, may include technical information regarding your anonymous usage of our website, aggregated data in which the uses of many Users, including your usage, is compiled in the aggregate, an anonymous User’s path through our Website or Services, and similar such data.
From time to time, we may make changes to our Policy. Changes to our Policy may occur without notice to you, and at any time. You may always find an updated version of the Policy at this web location. If you do not agree with any alteration in our Policy, you must discontinue your usage of our Site and our Services. You may also request that your user account, if any, be deleted or permanently disabled, and that we remove any information such as Personal Information, to the extent technologically possible, and consistent with additional provisions in this Policy. Information regarding disabling your user account is available in our Terms, elsewhere in this document, or may be obtained by contacting us at firstname.lastname@example.org.
We collect the following types of personal information in order to provide you with the use of ChargaCard Services, and to help us personalize and improve your experience.
Information we collect automatically: When you use ChargaCard Services, we collect information sent to us by your computer, mobile phone or other access device. The information sent to us includes, but is not limited to, the following: data about the pages you access, computer IP address, device ID or unique identifier, device type, geo-location information, computer and connection information, mobile network information, statistics on page views, traffic to and from the sites, referral URL, ad data, and standard web log data and other information.
Information you provide to us: We may collect and store any information you provide us when you use ChargaCard Services, including when you add information on a web form, add or update your account information, participate in community discussions, chats, or dispute resolutions, or when you otherwise correspond with us regarding ChargaCard Services.
When you use ChargaCard Services, we also collect information about your transactions and your activities. In addition, if you open a ChargaCard user account or use our Services, we may collect the following types of information:
We may also collect information from or about you from other sources, such as through your contact with us, including our customer support team, your results when you respond to a survey, your interactions with members of the ChargaCard corporate family or other companies (subject to their privacy policies and applicable law), and from other accounts we have reason to believe you control (whether in part or in whole). Additionally, for quality and training purposes or for its own protection, ChargaCard may monitor or record its telephone conversations with you or anyone acting on your behalf. By communicating with ChargaCard, you acknowledge that your communication may be overheard, monitored, or recorded without further notice or warning.
Information from other sources: You may choose to provide us with access to certain personal information stored by third parties such as social media sites (e.g., Facebook and LinkedIn). The information we may receive varies by site and is controlled by that site. By associating an account managed by a third party with your ChargaCard account and authorizing ChargaCard to have access to this information, you agree that ChargaCard may collect, store and use this information in accordance with this Policy.
Authentication and Fraud Detection: In order to help protect you from fraud and misuse of your personal information, we may collect information about you and your interactions with ChargaCard Services. We may also evaluate your computer, mobile phone or other access device to identify any malicious software or activity.
When you download or use our mobile applications, or access one of our mobile optimized sites, we may receive information about your location and your mobile device, including a unique identifier for your device. We may use this information to provide you with location-based services, such as advertising, search results, and other personalized content. Most mobile devices allow you to control or disable location services in the device's setting's menu. If you have questions about how to disable your device's location services, we recommend you contact your mobile service carrier or the manufacture of your particular device.
Cookies are one example of data that we automatically collect from Users, and a manner in which we interact with Users. Cookies may include Personal Information, or may be compiled from or along with Anonymous Information. A cookie is a piece of data stored on your computer that is tied to information about you and your usage of our Website or Services. We may use both session ID cookies (which are cookies that are specific to your usage of our Website or Services during one given browsing session), or persistent cookies (which are cookies that remain on your device beyond a single browsing session).
Session ID cookies are usually deleted when you close your browser, log out, or do a similar action on your device. Your browser’s help file may contain information on affirmatively deleting such cookies.
Persistent cookies are not deleted when you close your browser, but may be deleted manually, or may expire in time. Your browser’s help file may contain information on manually deleting such cookies.
You may also be able to prohibit our Website from placing cookies or similar web beacons on your device, and to limit our collection of your data in general, however this may limit your ability to use our Website and Services, or certain features. Your browser’s help file may contain information on disabling such access.
Cookies and similar data are used for various purposes, which include minimizing load times to our Website and Services, tracking and saving your preferences and those of other uses when you or they log in to or access our Website or Services, tracking your usage for technological or statistical purposes, tracking your usage in an attempt to improve or alter our Website or Services, or for various other purposes.
Certain third-party service providers and websites with whom we may partner, such as, but not limited to, Google Analytics, may also utilize cookies or other, similar web beacons that are loaded onto your device during the navigation of our Website or use of our Services. These third-party services providers may not be disclosed to you prior to your usage of our Website or Services. We may not have control over these cookies. These third-party websites may use these cookies to help provide insight into which areas of our Website and Services are frequently visited by you and other Users. These cookies may also be used to provide targeted advertisement to you and other Users. You may review the applicable privacy policies of these service providers to learn more about how they may use information they collect from cookies and other similar means.
Our primary purpose in collecting Personal Information is to provide you with a secure, smooth, efficient, and customized experience. We may use Personal Information to:
We may contact you via electronic means or postal mail to notify you regarding your account, to troubleshoot problems with your account, to resolve a dispute, to collect fees or monies owed, to poll your opinions through surveys or questionnaires, or as otherwise necessary to service your account. Additionally, we may contact you to offer coupons, discounts and promotions, and inform you about the Services and the services of our corporate family. Finally, we may contact you as necessary to enforce our policies, applicable law, or any agreement we may have with you. To reach you as efficiently as possible, we may contact you via phone, and may use autodialed or prerecorded calls and text messages as described in our User Agreement. Where applicable and permitted by law, you may decline to receive certain communications.
We do not sell or rent your Personal Information to third parties for their marketing purposes without your explicit consent. We may combine your Personal Information with information we collect from other companies and use it to improve and personalize the Services, content, and advertising.
If you do not wish to receive marketing communications from us or participate in our ad-customization programs, simply indicate your preference by logging into your account and going to the Notifications section and updating your preferences, or by following the directions that may be provided within the communication or advertisement, or by contacting us directly.
We respect your communication preferences. If you no longer wish to receive notifications via our application, you can adjust your preferences by visiting the settings page of the application.
Our operations are supported by a network of computers, cloud-based servers, and other infrastructure and information technology, including, but not limited to, the use of third-party service providers. We, and third-party service providers on our behalf, store and process your personal information in the United States and elsewhere in the world. If your information is transferred to other countries, including countries which may not have data protection laws that provide the same level of protection that exists in your country, we will protect the information as described in this Policy.
We protect your information using physical, technical, and administrative security measures to reduce the risks of loss, misuse, unauthorized access, disclosure and alteration. Some of the safeguards we use are firewalls and data encryption, physical access controls to data centers, and information access authorization controls.
We may store your Personal Information for as long as you are an active User of our Services and Website, for, by example, maintaining a user account with us, and for a reasonable amount of time after. We may also continue to store Personal Information to comply with legal, financial reporting, or other compliance obligations, such as to enforce this Policy, or the Terms. In the event you wish to affirmatively ensure that your Personal Information has been deleted or removed, you may send an e-mail request to email@example.com, and we will make reasonable efforts to comply with your request, consistent with any applicable privacy laws, and other requirements as set out in this paragraph.
Anonymous Information may be stored indefinitely.
When transacting with others, we may provide those parties with information about you necessary to complete the transaction, such as your name, account ID, contact details, shipping and billing address, or other information needed to promote the reliability and security of the transaction. If a transaction is held, fails, or is later invalidated, we may also provide details of the unsuccessful transaction. To facilitate dispute resolution, we may provide a buyer with the seller’s address so that goods can be returned to the seller. The receiving party is not allowed to use this information for unrelated purposes, such as to directly market to you, unless you have agreed to it. Contacting users with unwanted or threatening messages is against our policies and constitutes a violation of our Terms.
If someone is sending you money and enters your email address or phone number, we will provide them your registered name so they can verify they are sending the money to the correct account.
We work with third parties, including merchants, to enable them to accept or send payments from or to you using ChargaCard. In doing so, a third party may share information about you with us, such as your email address or mobile phone number, to inform you that a payment has been sent to you or when you attempt to pay a merchant or third party. We use this information to confirm that you are a ChargaCard customer and that ChargaCard as a form of payment can be enabled, or to send you notification of payment status. Also, if you request that we validate your status as a ChargaCard customer with a third party, we will do so.
If you link your loyalty or gift card of a ChargaCard merchant to your account, we may share your card number with that merchant when you pay using ChargaCard.
Please note that merchants, sellers, and users you buy from or contract with have their own privacy policies, and although ChargaCard’s user agreement does not allow the other transacting party to use this information for anything other than providing Services, ChargaCard is not responsible for their actions, including their information protection practices.
Regardless, we will not disclose your credit card number or bank account number to anyone you have paid or who has paid you using ChargaCard, or with the third parties that offer or use Services, except with your express permission or if we are required to do so to comply with credit card rules, a subpoena, or other legal process.
We may share your personal information we collect from you, including, but not limited to, your name, contact details, and transactions and activities, with:
If you open a ChargaCard account directly on a third-party website or via a third party application, any information that you enter on that website or application (and not directly on a ChargaCard website) will be shared with the owner of the third party website or application. These sites are governed by their own privacy policies and you are encouraged to review their privacy policies before providing them with personal information. ChargaCard is not responsible for the content or information practices of such third parties.
Log In with ChargaCard allows you to streamline and simplify the account creation and login process when using third-party websites, and it allows these websites to enhance your experience on their sites. Instead of creating multiple usernames and passwords for each website you visit, Log In with ChargaCard allows you to sign in to a participating website using your existing ChargaCard login information. When you use Log In with ChargaCard, you agree that ChargaCard can share the information listed on the Log In with ChargaCard consent screen or in your Log In with ChargaCard account settings with the participating website. Information you allow ChargaCard to share with these third-party websites is subject to each third-party’s terms of service and privacy agreement, so you are encouraged to review their policies.