• You must be a U.S. citizen or legal U.S. resident; and
• You must be at least 18 years old.

In addition, to use our Services:

• You must be eligible to file U.S. federal and/or state taxes; and
• You must have a personal checking account with Evolve Bank & Trust, Member FDIC (“Evolve”) or another one of our supported banks or credit unions (a “Bank Account”); and
• Your Bank Account must enable us or our third-party data aggregators to view your Bank Account information, including your balance and transaction history.

Our Services are not available to any Customers of the Services previously removed from the Services by Grid. The terms and conditions of your Bank Account will be governed by the Consumer Interest Checking Account Agreement provided to you by Synapse Financial Technologies, Inc. (“Synapse”) on behalf of Evolve.If you want to use certain features of the Services you must create an account with us (“Account”). You can do this via our App.When creating your Account with us, you must provide accurate, current and complete information, including payment-related information with respect to your Bank Account and/or credit card. You also represent that you are authorized to provide us with all Account information necessary for you to use the Services. You are solely responsible for the activity that occurs on your Account, and you must keep your account password secure. You must notify Grid immediately of any breach of security or unauthorized use of your Account. We are not liable for any losses caused by any unauthorized use of your Account.You are the only person authorized to use your Customer ID and password and for maintaining the confidentiality of your Customer ID and password. You shall not permit or allow other persons to have access to or use your Customer ID and password. You are responsible for the use of the Services under your Customer ID.

We care about your privacy. You understand that by using the Services you agree to the collection, use and disclosure of your personal information and aggregate information as set forth in our Privacy Policy at https://getgrid.app/privacy, and to have your personal information collected, used, transferred to and processed in the United States. We may update our Privacy Policy at any time and any changes made to our Privacy Policy are effective upon their posting.

Unless expressly stated in writing in a separate agreement between Grid and you, Grid does not provide legal, financial, accounting or other professional services or advice. The Services in no way constitute and are not a replacement for professional tax, financial or business advice tailored to your specific needs.

If enabled by Grid for your Account, you may link external accounts at third-party financial institutions (each a “Linked Bank Account”) for (i) online transfers between your Linked Bank Account and your Bank Account, (ii) to enable the payment of any Advances (as defined below) you choose to receive to your Linked Bank Account, (iii) to enable you to use your Card, (iv) to transfer the proceeds of any LOCs (as defined below) you choose to receive to your Linked Bank Account, (v) to enable you to withdraw funds or make deposits through Electronic Fund Transfers (“EFTs”) and (vi) to pay any applicable Subscription Fees (as defined below). If enabled by Grid, you may link your Linked Bank Account with your Bank Account by logging into your financial institution on the App. We may also verify your control of the Linked Bank Account by requiring you to submit proof of ownership of the Linked Bank Account. All Linked Bank Accounts must be with financial institutions in the United States. We may decline the use of any Linked Bank Account that we believe may present a risk to you and/or us. By linking your Linked Bank Account to your Bank Account, and by subsequently logging into your Linked Bank Account through the App, you authorize us to view your account history and profile, including, but not limited to, your account and routing details, authentication details, balance, transaction history, contact information, and other related information made available by such external financial institution; and you understand this information may be used to transact on your behalf and perform other services subject to our Privacy Policy. When adding a Linked Bank Account, you represent and warrant that the account is not a joint account, and that you are the sole owner of and have the right to access, use and authorize us to use the Linked Bank Account for information and funds transfer purposes. If you close your Linked Bank Account, you are responsible for removing it as an account eligible for the linking service to avoid any transaction failure and possible charges related to a failed transaction. We are not responsible for any acts or omissions by the external financial institution or other provider of any Linked Bank Account, including, without limitation, any modification, interruption, or discontinuance of any Linked Bank Account by such financial institution. YOU ACKNOWLEDGE AND AGREE THAT WHEN GRID AND OUR THIRD PARTY SERVICE PROVIDERS ARE EFFECTING A TRANSFER FROM OR TO YOUR LINKED BANK ACCOUNT, WE AND OUR THIRD PARTY SERVICE PROVIDERS ARE ACTING AS YOUR AGENT, AND NOT AS THE AGENT OR ON BEHALF OF ANY THIRD PARTY. YOU AGREE THAT WE SHALL NOT BE LIABLE FOR ANY COSTS, FEES, LOSSES OR DAMAGES OF ANY KIND INCURRED AS A RESULT OF (1) OUR ACCESS TO THE LINKED BANK ACCOUNT; (2) OUR DEBIT AND/OR CREDIT OR INABILITY TO DEBIT AND/OR CREDIT THE LINKED BANK ACCOUNT IN ACCORDANCE WITH YOUR INSTRUCTIONS, TO CORRECT ANY TRANSFER MADE IN ERROR OR TO COVER A NEGATIVE BALANCE IN YOUR GRID BANK ACCOUNT OR CARD ACCOUNT; (3) ANY INACCURACY, INCOMPLETENESS OR MISINFORMATION CONTAINED IN THE INFORMATION RETRIEVED FROM THE LINKED BANK ACCOUNT; (4) ANY CHARGES IMPOSED BY THE FINANCIAL INSTITUTION OR ANY OTHER PROVIDER OF THE LINKED BANK ACCOUNT AND (5) ANY FUNDS TRANSFER LIMITATIONS SET BY THE FINANCIAL INSTITUTION OR OTHER PROVIDER OF THE LINKED BANK ACCOUNTS.

Our tax service allows you to obtain a projection of your income and tax refund for the upcoming tax season and use this information to adjust your tax withholdings to increase your take-home pay (“PayBoost”). If you are projected to receive a tax refund at the end of the tax year, you may benefit from PayBoost. If you elect to use this Service, your regular take-home-pay amount may increase. THIS DOES NOT MEAN YOUR SALARY INCREASES OR YOU ARE RECEIVING EXTRA COMPENSATION FROM YOUR EMPLOYER, FROM US, OR FROM ANY OTHER PARTY.If you are eligible to use PayBoost, you can adjust your tax withholding amount which may increase your take-home pay. We will provide you applicable Internal Revenue Service (“IRS”) forms and instructions on how to adjust your paycheck tax withholdings. In certain circumstances, we may adjust your tax withholdings directly. It is your responsibility to carefully review any IRS forms that you use in any capacity to ensure the IRS forms contain accurate information.PayBoost requires that you allow us to access your payroll (including payroll systems maintained by third parties), financial service providers, and other similar sources of financial information (“Financial Information”). We may, either directly or through third party service providers, access your Financial Information. To the extent necessary to provide the PayBoost service, you grant us full authority to act on your behalf in communicating with any third party controlling your Financial Information, including without limitation adjusting your tax withholdings as discussed in this Section 8. You acknowledge and represent that you have the authority to grant us access to your Financial Information. This includes access to any Financial Information associated with a joint tax filing account. For instance, if you file taxes jointly with your spouse and have a single Account with us, you represent that you and your spouse have each authorized us access to any Financial Information identified in and tied to your Account. The Services also include functionality designed to read information from images (for example, W-2s, other tax forms, or credit cards used for payment) photographed using a mobile device. This functionality is limited to those forms or items that the Services can read. If the form or other item you photograph and submit through the Services is not supported, you may need to manually enter your information.Once we have access to your Financial Information, Grid will calculate your projected tax refund, if any. You will have access to this information through your dashboard inside our App. Any projected tax refund is based on the information you directly provide us or that we obtain from your Financial Information. In either case, you are solely responsible for verifying the accuracy of the information.If you use our PayBoost service and satisfy the conditions set forth in this paragraph, Grid will refund to you any federal taxes that you owe on your federal tax return arising from an error in Grid’s payroll tax calculations (the “PayBoost Guarantee”). To qualify for this PayBoost Guarantee, you must (i) validate or update your data every month (monthly check-in) as required by PayBoost, and (ii) enter all information required by us completely and accurately. If you signed up for PayBoost mid-year, then you must have been an active PayBoost user by October 31 of the applicable tax year and validated or updated your data through monthly check-ins at least two (2) times prior to the December 31st end of such tax year. Any claims under our PayBoost Guarantee must be submitted to us, together with a copy of your federal tax return showing the amount of payroll tax owed, at guarantee@getgrid.app within sixty (60) days of the date you file your tax return with the IRS, but no later than December 15 of the calendar year following the applicable tax year. We will review your request and eligibility for the guarantee within fifteen (15) days of our receipt of your claim and tax return. If you are found to qualify for our PayBoost Guarantee, we will pay you the amount of any payroll taxes owed by you on your federal tax return for the applicable tax year.THIS SERVICE IS NOT A SUBSTITUTE FOR PROFESSIONAL ADVICE, SUCH AS LEGAL, ACCOUNTING, TAX ADVICE, OR OTHER FINANCIAL ADVICE THAT IS TAILORED TO YOUR FINANCIAL PLANNING, GOALS, OR SITUATION. YOU SHOULD SEEK SUCH PROFESSIONAL SERVICE PROVIDERS FOR PROFESSIONAL TAX, FINANCIAL OR BUSINESS ADVICE CUSTOMIZED TO YOUR SPECIFIC NEEDS. YOU HAVE THE SOLE AND FINAL RESPONSIBILITY TO PROVIDE ACCURATE AND COMPLETE INFORMATION FOR US TO PROVIDE THE PAYBOOST SERVICES IN WHOLE OR IN PART, OR ANY OTHER SERVICES PROVIDED BY GRID. THIS RESPONSIBILITY INCLUDES TIMELY AND COMPLETE ACCESS TO ANY APPLICABLE FINANCIAL INFORMATION. YOU ARE SOLELY RESPONSIBLE FOR VERIFYING THE ACCURACY OF THE INFORMATION THAT IS PROVIDED TO US DIRECTLY BY YOU OR IMPORTED FROM ANY RELEVANT THIRD PARTY. YOUR PROJECTED TAX REFUND IS AN ESTIMATE. EXCEPT FOR OUR PAYBOOST GUARANTEE, WE DO NOT GUARANTEE THE ACCURACY OF YOUR PROJECTED TAX REFUND. WE CALCULATE YOUR PROJECTED TAX REFUND AND PAYBOOST BASED ON CURRENTLY AVAILABLE INFORMATION FROM YOU, AND TAX LAW GUIDANCE AS IT CURRENTLY EXISTS. ANY CHANGES TO YOUR FINANCIAL SITUATION, TAX LAW (INCLUDING CURRENT IRS INTERPRETATIONS), AND OTHER SIMILAR FACTORS MAY CHANGE THE ULTIMATE OUTCOME OF YOUR TAX RETURN.

If you are a Grid+ subscriber or have taken an Advance from us, Grid monitors your Linked Bank Account and offers advances based on your anticipated income and tax refund (each, an “Advance”). Eligible users are offered the opportunity to receive an Advance, without interest, of up to $50 for the first advance, and up to $100 on future advances, based on repayment ability and history. All Advances are paid to the user’s Linked Bank Account or Debit Card. In all cases, you must affirmatively choose to receive an Advance. The maximum amount of each Advance for which you are eligible is based on, among other things, whether you have provided us access to your Financial Information (including your payroll account), established a direct deposit relationship between us and your Linked Bank Account, your repayment history with respect to any prior Advances, whether your Grid+ membership is in good standing (if applicable), and our analysis of your income and tax refund projections. We reserve the right to adjust Advance amounts and eligibility criteria at any time in our sole discretion. All Advances will be paid to the Linked Bank Account in 1-3 days, unless you choose to pay an expedited payment fee of $2.99. Expedited payments will be paid to the Linked Debit Card within 8 hours. Customers may also access Advances without subscribing to Grid+. To do so, please email support@getgrid.app and state that you would like an Advance without subscribing to Grid+ and we will determine whether you are eligible. Any such Advances are free and provided without interest.

Advances can be repaid in one of two ways: You can repay an Advance in one installment deducted from your next paycheck; or If you are eligible for our installment repayment option, you can choose to repay your Advance in two equal installments deducted from your next two paychecks. You choose the applicable repayment method when you request an Advance. Grid reserves the right to obtain the repayment directly from your payroll account, or to charge your Linked Bank Account for repayment after we see evidence of income (such as a paycheck) deposited into your Linked Bank Account.

Notwithstanding paragraph (b) of this Section 9, if: Our connection to your Linked Bank Account is disabled for any reason while an Advance is outstanding; You dispute our right to repayment of an Advance; or You engage in any abusive or fraudulent activity with respect to our Services or violate these Terms; then you agree that we can immediately seek repayment of such Advance through your Bank Account or any other Payment Information (as defined in Section 13(b)) you have provided us.

If you dispute a legitimate repayment charge in connection with an Advance and your dispute claim is successful for any reason, you will be responsible for any dispute fees charged to Grid by your financial institution in addition to the repayment of your Advance. In such case, we may seek immediate repayment as provided in Section 8(d) for an amount equal to your Advance and any dispute fees charged to Grid.

Grid acknowledges that it has no legal or contractual claim against you if you fail to repay an Advance, but Grid will not provide you any further Advances and may suspend access to Grid’s Services while any Advance remains unpaid. Grid does not waive any rights regarding fraudulent activity, and Grid will pursue instances of fraud.

Grid monitors your Linked Bank Account to ensure there are sufficient funds before withdrawing any Advance repayment, but Grid does not warrant that an overdraft will not occur and is not responsible for any overdraft fees, over-the-limit fees, or insufficient fund charges (including finance charges, late fees, or similar charges) that result from your failure to maintain an adequate balance to repay an Advance.

Grid has contracted with certain service providers in order to provide services to you. Certain services are offered through Synapse Financial Technologies, Inc. and its affiliates Synapse Brokerage LLC and Synapse Credit LLC (collectively, "Synapse") and certain third party financial service providers (each of the foregoing being a "Partner Financial Institution"). Synapse is not a bank and is not affiliated with Grid. Brokerage accounts and cash management programs are provided through Synapse Brokerage LLC ("Synapse Brokerage"), an SEC-registered broker-dealer and member of FINRA and SIPC. Additional information about Synapse Brokerage can be found on FINRA's BrokerCheck. By participating in a Synapse cash management program, you acknowledge receipt of and accept Synapse Terms of Service, Privacy Policy, and the applicable disclosures and agreements available in Synapse's Disclosure Library. The Partner Financial Institution(s) participating in a Synapse cash management program can be found in the List of Program Banks. By creating an account with Grid and initiating financial transactions, you agree to Synapse's Terms of Service and Privacy Policy. You also agree to the terms of service and privacy policy of Synapse's Partner Financial Institution corresponding to the financial service and product(s) you select (collectively, "Synapse Terms"), each of which can be found here and which are incorporated herein by reference. By creating an account with us, you acknowledge that Synapse may share your information as necessary with their affiliates, Partner Financial Institutions and other service providers in connection with providing their respective services. It is your responsibility to make sure that the information you provide to [Platform] is accurate and complete. Additionally, you are responsible for complying with Synapse Terms when using your account. It is your responsibility to read and understand Synapse Terms as it contains terms and conditions relating to your account including but not limited to your rights, limitations, reversal and other liabilities, limitation of liability and binding arbitration provisions. All financial transactions are performed by Synapse's Partner Financial Institutions, a list of which can be found at synapsefi.com/legal. Grid will provide you with all access to all transaction notifications and account balances in addition to providing customer support relating to your account. You should refer to your account agreement for more important information. Once you have opened your Bank Account, you can choose to apply for a Card. If Evolve agrees to offer you a Card, the terms and conditions of your Card will be set out in the Mastercard Consumer Loan Card Agreement provided to you by Synapse on behalf of Evolve once you are approved. Please refer to the separate Fee Schedule available in the Mastercard Consumer Loan Card Agreement for information about fees and charges associated with your Grid Card. We may offer rewards on certain qualifying purchases made using your Grid Card and certain transactions using your Bank Account. The Grid Rewards Terms of Service are available at: www.getgrid.app/terms/rewards All loans are made by Synapse Credit LLC, NMLS 1971454, a licensed U.S. lender in designated States. Please see your loan documents for details. Eligibility for a loan is not guaranteed. Subject to state regulations, eligibility, credit check, underwriting and approval. Rates, terms and conditions apply. Lending decisions and funding times are subject to system limitations. Some applications may require additional verification, which can delay the lending decision. The Federal Equal Credit Opportunity Act (ECOA) prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant's income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The Federal agencies that administer compliance with this law concerning this creditor are: Consumer Financial Protection Bureau, 1700 G Street NW, Washington DC 20006; and Federal Trade Commission, Equal Credit Opportunity, Washington DC 20580.

You may choose to request a Credit Line from Synapse Credit LLC ("Synapse Credit") or Pier Lending, LLC (“Pier”) through the Site or the App. If Synapse Credit or Pier approves your request, the Credit Line will be governed by the Consumer Credit Line Agreement between you and Synapse Credit or Pier. Grid is not a lender and does not make any Credit Line available to you. If you are approved for a Credit Line, you may transfer the proceeds to your Bank Account or your Linked Bank Account or access them through your Card. Please refer to the separate Truth in Lending disclosure available in the Consumer Credit Line Agreement for information about fees and charges associated with your Credit Line. All loans are made by Synapse Credit LLC, NMLS 1971454, or Pier Lending LLC ("Pier") (NMLS #2451164) licensed U.S. lenders in designated States. Please see your loan documents for details. Eligibility for a loan is not guaranteed. Subject to state regulations, eligibility, credit check, underwriting and approval. Rates, terms and conditions apply. Lending decisions and funding times are subject to system limitations. Some applications may require additional verification, which can delay the lending decision. The Federal Equal Credit Opportunity Act (ECOA) prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant's income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The Federal agencies that administer compliance with this law concerning this creditor are: Consumer Financial Protection Bureau, 1700 G Street NW, Washington DC 20006; and Federal Trade Commission, Equal Credit Opportunity, Washington DC 20580.

By applying for a loan with Pier, you are agreeing to Pier’s Terms of Service, Privacy Policy, Electronic Communications Policy, and E-Sign Disclosure. It is your responsibility to make sure that the information you provide is accurate and complete. Additionally, you are responsible for complying with Pier terms when using Pier services. It is your responsibility to read and understand Pier’s Terms of Service as it contains terms and conditions relating to your loan, including but not limited to your rights, limitations, limitation of liability and binding arbitration provisions.If you sign up for the Grid credit builder program (“Credit Builder”), we will give you a series of monthly goals (“Goals”) to complete to increase your Vantage credit score by a certain amount (“Future Score”). Goals will include setting up a minimum dollar amount of direct deposits each month to your Bank Account and spending a minimum dollar amount each month on your Grid Card. Goals and your Future Score will be set entirely in our discretion. Credit Builder is free with your Grid+ subscription.In order to qualify for the Credit Builder Guarantee (defined below), you must meet your Goals each month for twelve (12) consecutive months. If you miss your Goals for any month, your progress will be reset and you will need to meet your Goals for another twelve (12) consecutive months to qualify for the Credit Builder Guarantee (“Reset”). Your progress will also be Reset if you have an overdue or late payment on an Advance, your Grid Card or an LOC or if you have an external event that has a negative impact on your credit score, such as fraud, a missed or overdue payment outside of our Services, or if you apply for a third-party credit card, mortgage, or other consumer credit product (“Disqualifying Event”).You must notify Grid within thirty (30) days of any Reset if you believe you have met your Goals for 12 consecutive months without a Disqualifying Event. Any disputes must be submitted in writing to support@getgrid.app. All determinations by Grid will be final.

Your Bank Account allows you to withdraw funds or make deposits through Electronic Fund Transfers ("EFTs"). EFTs are transactions that are processed by electronic means and include, among others, ACH transfers and direct deposits. This Section provides you with information and important disclosures and terms about the EFTs that are permitted on your Bank Account. Further information is provided in the Consumer Interest Checking Account Agreement which you agree to when you open your Bank Account.Your Bank Account allows the following types of EFTs:

• Direct deposits from your employer or other source of income;
• Transfers to or from your Bank Account to or from a Linked Bank Account; or
• Transfers to or from your Bank Account to a merchant or other third party by providing the third party with your Bank Account routing number and account number;

There are limitations on the frequency and amount of EFTs you can make to or from your Bank Account. These limits are different for each type of transaction. The limits that apply to ETFs that credit or deposit funds into your Bank Account are as follows:

Deposit Method	Limitations for Your Bank Account
Direct deposits	No limits
ACH transfers to your Bank Account from a Linked Bank Account	$2,500/day / $10,000/month
Debit Card transfers to your Bank Account from a connected Debit Card	$2,500/day / $10,000/month

The limits that apply to EFTs that debit or withdraw from your Bank Account are as follows:

Withdrawal Method	Limitations for Your Bank Account
ACH transfers from your Bank Account to a Linked Bank Account	$2,500/day / $10,000/month
Debit Card transfers from your Bank Account to a connected Debit Card	$2,500/day / $10,000/month
ACH transfer to a merchant or other third party you authorize to withdraw from your Bank Account using your routing number and account number	$5,000/day / $20,000/month

Contact us immediately if you believe that an unauthorized EFT has occurred or may occur concerning your Bank Account, or if your Customer ID or password have been lost, stolen or compromised. Calling us at 501-566-4743 is the best way of keeping your losses to a minimum. You could lose all the money in your Bank Account and any Linked Bank Account if you take no action to notify us of the unauthorized EFT or the loss or theft of your Customer ID or password. For unauthorized EFTs, your liability will be as follows if you notify us of the loss: If you tell us within two (2) business days after learning of the loss, theft or compromise of your Customer ID or password, you can lose no more than $50.00. If you do NOT tell us within two (2) business days and we can prove that we could have prevented the loss had you contacted us, you could lose as much as $500.00. If your statement shows EFTs that you did not make and you do NOT contact us within sixty (60) days after the statement was made available to you, you may not get back any money lost after the sixty (60) days if we can prove that your contacting us would have prevent those losses. We can extend these time periods if extenuating circumstances (such as a long trip or hospital stay) kept you from notifying us.Contact us at 501-566-4743 or email at support@getgrid.app as soon as you can if you think your statement or receipt is wrong or if you need more information about an EFT listed on a statement or receipt. We must hear from you no later than sixty (60) days after we sent the FIRST statement on which the problem or error appeared. Your communication must include the following information:

• Tell us your name and Bank Account number.
• Describe the error or the EFT you are unsure about and explain as clearly as you can why you believe it is an error or why you need more information.
• Tell us the dollar amount of the suspected error.

If you tell us orally, we may require that you send us your complaint or question in writing by email within ten (10) business days. We will determine whether an error occurred within ten (10) business days after we hear from you and will tell you the results and correct any error promptly. If we need more time, we may take up to forty-five (45) days---or ninety (90) days for Bank Accounts open less than thirty (30) days or foreign-initiated transactions --- to investigate your complaint or question. If we decide to do this, we will credit your Bank Account within ten (10) business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days, we may not credit your Bank Account. For Bank Accounts open less than thirty (30) days, we may take up to twenty (20) business days to credit your Bank Account for the amount you think is in error. We will tell you the results within three (3) business days after completing our investigation. If we decide that there was no error, we will send you a written explanation by email. You may ask for copies of the documents that we used in our investigation.Grid reserves the right to cancel or suspend any EFTs due to fraud or compliance related concerns.

Via the Remote Deposit Capture Services (“RDC”) we allow you to make deposits into your Bank Account by using the App to take a legible picture of the front and back of a negotiable check and transmit such images. We will attempt to collect the item by presenting the image or converting the image into a digital representation of the original check (the “Substitute Check”). Unlike traditional check deposits, you retain the original paper check when you use RDC. We request that you retain the original check for at least thirty (30) days after you submit the check image to us.The check to be deposited via RDC shall be properly endorsed in the same manner in which it is made payable to you and with the restrictive endorsement “For mobile deposit only”.Your check image must be received by 3:00 pm PT on a business day to be considered deposited on the same day. Any check images received after 3:00 pm PT will be considered as deposited the following business day.The amount shall generally be made available in your Bank Account no later than six (6) business days after the day you made the RDC. We may place a hold on your deposited check for a longer period of time if we have reasonable cause to doubt the collectability of the check.In other circumstances, a longer hold period may apply before funds deposited by check are available in your Bank Account. For example, a longer delay may apply in the following cases:

• We believe a deposited check will not be paid;
• You deposit one or more checks totaling $5,000 or more in one day;
• You redeposit a check that has been previously returned unpaid;
• Your Bank Account had a negative balance anytime in the previous six (6) months; and
• We experience an emergency such as a failure of communication or computer delay.

We can delay the availability of your funds if your Bank Account was opened thirty (30) days or less from the date of your RDC. In such cases, we will send you an electronic notice informing you if your ability to withdraw funds is delayed for any reason and when your funds may be available. Generally funds will be available no later than ten (10) business days after the deposit is accepted for processing.

We will make every practicable effort to provide our Services to you. We may, however, limit or discontinue your use of our Services if your use substantially exceeds the normal use of our Services as compared to other Customers. We will notify you as quickly as we can if we limit our provision of Services or discontinue your ability to use our Services. You acknowledge that we are under no obligation to provide a reason for discontinuing our Services. If you pay fees for our Services, we will follow the policies set out in Section 15 (Account Fees) set forth below.

If you have been approved for a Grid Advance or Line of Credit, your ability to obtain an Advance or draw upon the Line of Credit may be suspended immediately if any of the following happen: (1) You are in default under any agreement you have with Grid or its partner providers; (2) any evaluation of your credit, employment status, or security, related to any Grid program or service, now or later, indicates adverse information or increased risk to Grid; or (3) you submit a claim or request to activate your benefit under the Grid Income Protection Program.

If your services are suspended due to loss of employment or arising out of action taken under the Grid Income Protection Program, your Grid accounts will not be closed, however, you will not qualify for any Advance and your available credit on any Line of Credit will be reduced to $0.00 until services are reactivated.

If you regain employment and wish to reactivate suspended services, you will be required to provide proof of employment in the Grid App. Your ability to obtain an Advance and/or draw on any Line of Credit must be reapproved by Grid and will be subject to an adjusted assessment of your ability to repay the Advance or Line of Credit. This assessment will include a review of your current income details and may not qualify you for the same amount of benefits available to you prior to the suspension of your services.

We offer certain Services without charge and other Services as part of our Subscription modelGrid membership gives you access to our PayBoost service and is free.To access more of our service offerings, you must have a Grid+ subscription Account (“Subscription”). If you purchase a Subscription, you will be presented with a checkout screen where you will agree to an ongoing Subscription fee, plus any applicable taxes, and other charges (“Subscription Fee”), at the then-current Subscription Fee rate. If you purchase a Subscription, we (or our third-party payment processor) will automatically charge you, using the Payment Information (as defined in Section 16(b)) you have provided until you cancel your Subscription. The frequency of charges may vary (weekly, bi-weekly, monthly) based on the Subscription you select. BY AGREEING TO THESE TERMS AND ELECTING TO PURCHASE A SUBSCRIPTION, YOU ACKNOWLEDGE THAT YOUR SUBSCRIPTION HAS RECURRING PAYMENT OBLIGATIONS AND YOU ACCEPT RESPONSIBILITY FOR ALL RECURRING PAYMENT OBLIGATIONS PRIOR TO CANCELLATION OF YOUR SUBSCRIPTION BY YOU OR GRID. YOUR SUBSCRIPTION CONTINUES UNTIL YOU CANCEL IT OR WE TERMINATE YOUR ACCESS TO OR USE OF THE SERVICES IN ACCORDANCE WITH THESE TERMS.There are no fees associated with this Account. Fees are subject to change at any time. We will provide you advance notice of any changes where required by law.Except for any payments owed to you pursuant to our PayBoost Guarantee, any refunds payable to you by Grid may be made by way of a credit that can be used for future fees payable by you to Grid for use of our Services. Any such credits will be recorded to your Account. From time to time, we may offer promotion codes, coupons, or other similar offers for credits or discounts in connection with our Services (collectively, “Credits”), which Credits will be shown in your Account. Credits are issued for promotional purposes only; they have no cash value and may not be transferred or exchanged for cash. Credits can only be redeemed on our Site or App. Credits expire within 12 months of the date on which you receive such Credits in your Account and any Credits unused within such 12-month period will be forfeited. You are responsible for any tax consequences that may result from the redemption or use of Credits. USE OF SUCH CREDITS WILL BE SUBJECT TO APPLICABLE LAW.

For Services offered on a Subscription basis, we will automatically charge your Subscription Fee to your Payment Information (as defined below) on a monthly basis, unless or until you cancel your Subscription or your Account with us is otherwise terminated. Upcoming dates on which your Subscription Fee will be charged to you will be displayed in our App. We will do our best to collect your Subscription Fee when you have funds available to pay your Subscription Fee and will attempt to avoid charging you for your Grid+ membership if we determine that your Linked Bank Account does not have sufficient funds to cover the charge, but we make no warranties that an overdraft will not occur. If our attempt to charge your Subscription Fee is declined, we reserve the right to (i) continue making additional debit attempts to your Linked Bank Account until we are successful (ii) use any other payment method(s) you have provided us in connection with your Payment Information, (as defined below) or (iii) if you have more than one Linked Bank Account, make debit attempts against your other Linked Bank Accounts in any order. If a payment method, such as a debit or credit card, expires or is otherwise replaced, we reserve the right to treat the replacement as the original payment method.All fees are payable in U.S. dollars. When you purchase a Subscription with recurring payment obligations (each, a “Transaction”), you expressly authorize us (or our third-party payment processors) to charge you for such Transaction. We may ask you to supply additional financial information relevant to your Transaction, including your credit card number, the expiration date of your credit card, and your email and postal addresses for billing and notification (such information, “Payment Information”). You represent and warrant that you have the legal right to use all payment method(s) you provide in connection with your Payment Information. When you initiate a Transaction, you authorize us to provide your Payment Information to our third-party payment processors to complete your Transaction and to charge your payment method for the Transactions you have selected and authorized (together with any applicable taxes and other charges). You may need to provide additional information to verify your identity before completing your Transaction (such information is included within the definition of Payment Information).Payment processing services for our Customers on our Site and our App are provided by Stripe and are subject to the Stripe Connected Account Agreement, which includes the Stripe Terms of Service (collectively, the "Stripe Services Agreement"). By agreeing to these Terms or by using our Services, you agree to be bound by the Stripe Services Agreement, as the same may be modified by Stripe from time to time. As a condition of Grid enabling payment processing services through Stripe, you agree to provide us accurate and complete information about yourself, and you authorize us to share such information and transaction information related to your use of the payment processing services provided by Stripe.Synapse is our backend software provider, and partners with financial institutions to provide FDIC insurance. Synapse's API, and their relationship with financial institutions, enables us to offer banking services and products. By agreeing to Grid's TOS and Privacy Policy, you also agree to Synapse's terms and policies below: https://synapsefi.com/legalYour Grid Bank Account and/or Card Account has no overdraft facility and cannot maintain a negative balance. If your Grid Bank Account or Card Account has a negative balance for any reason, you hereby authorize us to (i) make debit attempts to your Linked Bank Account until we are successful in covering the negative balance (ii) use any other payment method(s) you have provided us in connection with your Payment Information or (iii) if you have more than one Linked Bank Account, make debit attempts against your other Linked Bank Accounts in any order. If a payment method, such as a debit or credit card, expires or is otherwise replaced, we reserve the right to treat the replacement as the original payment method.

You may cancel a Subscription at any time through our App or by emailing us at support@getgrid.app; with the caveat that if you have an outstanding Advance that has not been repaid, you can cancel your Subscription to avoid future recurring fees, but your Account will not be closed until your Advance has been repaid. Subscription payments are nonrefundable and there are no refunds or credits for partially used Subscription periods.

By using our Services, you represent and warrant that all of the following are true and correct:

• Information -- You have the right and authority to provide us with all Financial Information, Payment Information or other documentation required for the provision of the Services.
• Use of Joint Accounts Prohibited -- Your Linked Bank Account is not a joint account, meaning it is not an account that is held by more than one person where each person has the right to deposit into or withdraw funds from the account.
• Violation of Any Law, Regulation or Other Obligation. Your use of our Services does not violate or promote the violation of any applicable law or regulation or any legal or contractual obligation you may have to a third party and you agree to comply with all applicable laws, rules and regulations in connection with your use of our Services.
• U.S. Bank Account -- Your Linked Bank Account must be located within the United States.
• Use of Linked Bank Account -- Your Linked Bank Account may not be linked to more than one Bank Account.

By using our Services, you understand and agree that we may, in our sole discretion and through any verification methods we choose, verify that any or all of your representations and warranties listed above are met. If we determine that you have violated or are likely to have violated any portion of these Terms, we reserve the right to suspend or terminate your Account, with or without notice, in our sole discretion.

Subject to your compliance with these Terms, Grid grants to you a limited non-exclusive, non-transferable license to download and install a copy of the App on a mobile device or computer that you own or control and to run such copy of the App solely for your own personal, non-commercial purposes. Except as expressly permitted in these Terms, you may not:

• copy, modify or create derivative works based on the App;
• distribute, transfer, sublicense, lease, lend or rent the App to any third party;
• reverse engineer, decompile or disassemble the App; or
• make the functionality of the App available to multiple individuals outside your immediate household through any means.

We reserve all rights in and to the App not expressly granted to you under these Terms.The following terms apply to any App accessed through or downloaded from any app store or distribution platform (like the Apple App Store or Google Play) where the App may now or in the future be made available (each an "App Provider"). You acknowledge and agree that:

• These Terms are between you and Grid, and not with the App Provider, and Grid (not the App Provider), is solely responsible for the App.
• The App Provider has no obligation to furnish any maintenance and support services with respect to the App.
• In the event of the App's failure to conform to any applicable warranty, you may notify the App Provider, and the App Provider will refund the purchase price for the App to you (if applicable), and, to the maximum extent permitted by applicable law, the App Provider will have no other warranty obligation whatsoever with respect to the App. Any other claims, losses, liabilities, damages, costs or expenses attributable to any failure to conform to any warranty will be the sole responsibility of Grid.
• The App Provider is not responsible for addressing any claims you have or any claims of any third party relating to the App or your possession and use of the App, including, but not limited to: (i) product liability claims; (ii) any claim that the App fails to conform to any applicable legal or regulatory requirement; and (iii) claims arising under consumer protection, privacy, or similar legislation.
• If any third party claims that the App or your possession and use of that App infringes that third party's intellectual property rights, Grid will be solely responsible for the investigation, defense, settlement and discharge of such claim.
• The App Provider, and its subsidiaries, are third-party beneficiaries of these Terms as related to your license to the App, and upon your acceptance of the Terms, the App Provider will have the right to enforce these Terms as a third-party beneficiary thereof.
• You represent and warrant that (i) you are not located in a country that is subject to a U.S. Government embargo, or that has been designated by the U.S. Government as a terrorist-supporting country; and (ii) you are not listed on any U.S. Government list of prohibited or restricted parties.
• You must also comply with all applicable third-party terms of service when using the App.

You agree not to engage in any of the following prohibited activities in connection with your use of the Services:

• copying, distributing, or disclosing any part of the Services in any medium, including without limitation by any automated or non-automated “scraping”;
• using any automated system, including without limitation “robots,” “spiders,” “offline readers,” etc., to access the Services in a manner that sends more request messages to the Grid servers than a human can reasonably produce in the same period of time by using a conventional on-line web browser;
• transmitting spam, chain letters, or other unsolicited email;
• attempting to interfere with, compromise the system integrity or security or decipher any transmissions to or from the servers running the Services;
• taking any action that imposes, or may impose at our sole discretion an unreasonable or disproportionately large load on our infrastructure;
• uploading invalid information, viruses, worms, or other software agents through the Services;
• collecting or harvesting any personally identifiable information, including account names, from the Services;
• using the Services for any commercial solicitation purposes;
• impersonating another person or otherwise misrepresenting your affiliation with a person or entity, conducting fraud, hiding or attempting to hide your identity;
• interfering with the proper working of the Services;
• accessing any content on the Services through any technology or means other than those provided or authorized by the Services; or
• bypassing the measures we may use to prevent or restrict access to the Services, including without limitation features that prevent or restrict use or copying of any content or enforce limitations on use of the Services or the content therein.

We welcome suggestions, comments, or other feedback (“Feedback”). You agree that all Feedback is and will be given entirely voluntarily. Furthermore, we will be free to use, disclose, modify, reproduce, sell, offer for sale, license (through multiple tiers) or otherwise distribute and exploit any Feedback provided to us as we see fit, without obligation or restriction of any kind on account of intellectual property rights or otherwise.

All Intellectual Property Rights in (a) the Services, including all content, design, text, graphics, images, audio, video and other material, including the domain name, taglines, organization, related documentation and all enhancements and derivatives thereto; and (b) Grid’s tradenames, trademarks and logos (those items in (a) and (b) collectively referred to as “Grid Content”), are the exclusive property of Grid and its licensors.

Except as explicitly provided herein, you are not permitted to sell, license, rent, modify, distribute, copy, reproduce, transmit, publicly display, publicly perform, publish, adapt, edit or create derivative works from any Grid Content; provided that you may download and/or print one copy of individual pages from our Site for your personal, non-commercial use so long as you do not modify the Grid Content and you keep all copyright and other proprietary notices in place. You agree that you do not acquire any ownership rights in any downloaded Grid Content. You may not “mirror” any Gird Content on the Site or in our Services without our express written permission. Use of the Grid Content for any purpose not expressly permitted by these Terms is strictly prohibited.

For the purposes of these Terms, “Intellectual Property Rights” means all patent rights, copyright rights, mask work rights, moral rights, rights of publicity, trademark, trade dress and service mark rights, goodwill, trade secret rights and other intellectual property rights as may now exist or hereafter come into existence, and all applications therefore and registrations, renewals and extensions thereof, under the laws of any state, country, territory or other jurisdiction.

The Services (including the App) may contain links to third-party websites or resources. We provide these links only as a convenience and are not responsible for the content, products or services on or available from those websites or resources or links displayed on such websites. You acknowledge sole responsibility for and assume all risk arising from your use of any third-party websites or resources.

These Terms and any action related thereto will be governed by the Federal Arbitration Act, federal arbitration law, and the laws of the State of California, without regard to its conflict of laws provisions. Except as otherwise expressly set forth in Section 26 (Dispute Resolution), the exclusive jurisdiction for all Disputes (defined below) that you are not required to arbitrate will be the state and federal courts located in the Northern District of California, and you waive any objection to jurisdiction and venue in such courts.

For any dispute with Grid, you agree to first contact us at support@getgrid.app and attempt to resolve the dispute with us informally.

In the unlikely event that you and Grid are not able to resolve a dispute within sixty (60) days of your contacting support@getgrid.app, you agree to resolve any claim, dispute, or controversy (excluding any claims for injunctive or other equitable relief as provided below) arising out of or in connection with or relating to these Terms, or the breach or alleged breach, termination, enforcement, interpretation or validity thereof or the use of the Services or Content thereof (collectively, “Disputes”), by binding arbitration, except as provided herein. Any such arbitration will be conducted on an individual basis and not in a class, representative or consolidated action or proceeding. You agree that the U.S. Federal Arbitration Act governs the interpretation and enforcement of these Terms, and that you are each waiving the right to a trial by jury or to participate in a class action. This arbitration provision shall survive termination of these Terms.

As limited exceptions to Section 28(a) above: (i) you may seek to resolve a Dispute in small claims court if it qualifies; and (ii) we retain the right to seek injunctive or other equitable relief from a court to prevent (or enjoin) the infringement or misappropriation of our Intellectual Property Rights. In addition, you will retain the right to opt out of arbitration entirely and litigate any Dispute if you provide us with written notice of your desire to do so by email at support@getgrid.app within thirty (30) days following the date you first agree to these Terms.

Any arbitration will be conducted by JAMS, Inc. (“JAMS”) under the Optional Expedited Arbitration Procedures then in effect for JAMS. JAMS may be contacted at www.jamsadr.com. The arbitration will be conducted in San Francisco County, California, unless you and Grid agree otherwise. If you are an individual using the Services for non-commercial purposes: (i) JAMS may require you to pay a fee for the initiation of your case, unless you apply for and successfully obtain a fee waiver from JAMS; (ii) the award rendered by the arbitrator may include your costs of arbitration, your reasonable attorney’s fees, and your reasonable costs for expert and other witnesses; and (iii) you may sue in a small claims court of competent jurisdiction without first engaging in arbitration, but this does not absolve you of your commitment to engage in the informal dispute resolution process. Any judgment on the award rendered by the arbitrator may be entered in any court of competent jurisdiction. Nothing in this Section shall be deemed as preventing Grid from seeking injunctive or other equitable relief from the courts as necessary to prevent the actual or threatened infringement, misappropriation, or violation of our information security, Intellectual Property Rights or other proprietary rights. If your claim is for U.S. $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents submitted to the arbitrator, through a telephonic or video-conference hearing, or by an in-person hearing as established by the JAMS Rules. If your claim exceeds U.S. $10,000, the right to a hearing will be determined by the JAMS Rules. The parties agree that the arbitrator shall have exclusive authority to decide all issues relating to the interpretation, applicability, enforceability and scope of this arbitration agreement.

Payment of all filing, administration and arbitrator fees will be governed by the JAMS Rules and each party will be responsible for its own costs and expenses in connection with any arbitration; provided that the arbitrator will have the discretion to award repayment of costs and expenses to the prevailing party, to the extent permitted by law.

YOU AGREE THAT YOU MAY BRING CLAIMS AGAINST GRID ONLY IN YOUR INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING. Further, if a Dispute is resolved through arbitration, the arbitrator may not consolidate another person’s claims with your Dispute, and may not otherwise preside over any form of a representative or class proceeding. If this specific provision is found to be unenforceable, then the entirety of this Dispute Resolution section shall be null and void.

Notwithstanding the provisions of Section 2 (Changes to Terms and Our Offerings) above, if Grid changes any of the terms of this Section 26 (Dispute Resolution) after the date you first accepted these Terms (or accepted any subsequent changes to these Terms), you may reject any such change by sending us written notice (including by email to support@getgrid.app) within 30 days of the date such change became effective, as indicated in the “Last Updated” date above or in the date of Grid’s email to you notifying you of such change. By rejecting any change, you are agreeing that you will arbitrate any Dispute between you and Grid in accordance with the terms of this Section 26 “Dispute Resolution” as of the date you first accepted these Terms (or accepted any subsequent changes to these Terms).

This Section 26 (Dispute Resolution) will survive the termination of these Terms. If any portion of this Section 26 (other than paragraph (e)) is deemed invalid or unenforceable, the remaining portions of this Section 26 will nevertheless remain in force and valid. If there is a final judicial determination that applicable law precludes enforcement of this Section 26’s limitations as to a particular claim for relief or a particular term, then that claim (and only that claim) or that term (and only that term) may be severed from this Section 26 and be brought in court. If an arbitration is brought on a class, representative or collective basis and the limitations on such proceedings in paragraph (e) are found to be unenforceable, then no arbitration shall be conducted. In no event shall an arbitrator be authorized to determine claims or make awards beyond those authorized in this Section 26.

These Terms constitute the entire and exclusive understanding and agreement between us regarding the Services, and these Terms supersede and replace any and all prior oral or written understandings or agreements between us regarding the Services.

If any provision of these Terms is held invalid or unenforceable by an arbitrator or a court of competent jurisdiction, that provision will be enforced to the maximum extent permissible and the other provisions of these Terms will remain in full force and effect.

You may not assign or transfer these Terms, by operation of law or otherwise, without Grid’s prior written consent. Any attempt by you to assign or transfer these Terms, without such consent, will be null. Grid may freely assign or transfer these Terms without restriction. Subject to the foregoing, these Terms will bind and inure to the benefit of the parties, their successors and permitted assigns.

Any notices or other communications provided by Grid under these Terms, including those regarding modifications to these Terms, will be given: (i) via email; and/or (ii) by posting to the Site and App. For notices made by e-mail, the date of receipt will be deemed the date on which such notice is transmitted.

No joint venture, partnership, employment, agency or similar relationship exists between Grid and you as a result of these Terms or your use of our Services.

Grid’s failure to enforce any right or provision of these Terms will not be considered a waiver of such right or provision. The waiver of any such right or provision will be effective only if in writing and signed by a duly authorized representative of Grid. Except as expressly set forth in these Terms, the exercise by either party of any of its remedies under these Terms will be without prejudice to its other remedies under these Terms or otherwise.

The following provisions in these Terms shall survive termination of your use or access to our Services: all disclaimers, Section 22 (Our Proprietary Rights), Section 24 (Limitation of Liability), Section 25 (Governing Law and Forum Choice), Section 26 (Dispute Resolution, Section 27 (General Terms)), and any other provision that by its terms survives termination of your use or access to our Services.

If you have any questions about these Terms, please contact us at support@getgrid.app.
Bank services are provided through our banking software provider, Synapse. To report a complaint relating to the bank services, email help@Synapsefi.com or call (415) 688-2943.