This User Agreement is a legal agreement between Company and Tillful, a product by Tillco Holdings, LLC, and governs your use of the Services. In this User Agreement, “Company” or “you” means the company that is applying for or has opened a Tillful Credit Account to use the Services, and “Tillful” or “we” means Tillco Holdings, LLC and its past, present, or future affiliates, successors and assigns, unless stated otherwise. References to “User Agreement” mean this document that you’re reading and any terms, agreements, and policies referenced including the Program Terms specific to the Services you use. The User Agreement, the Privacy Policy, and any other applicable terms may be changed over time. Definitions for other capitalized terms (like “Tillful Credit Account” and “Services”) are included below in Section 4.

The terms and conditions of this User Agreement are binding as of the date you agree to its terms. In exchange for gaining access to the Services, you are consenting to receive all Notices and communications electronically.

You may only apply for and maintain a Tillful Credit Account and use the Services if you agree to this User Agreement, so read it carefully.

Section 3 of this User Agreement includes an agreement to resolve any Disputes through binding arbitration on an individual basis and includes a waiver of any representative, consolidated, or class actions, along with important disclaimers and limitations of liability.

1. Opening a Tillful Credit Account

1.1 Eligibility

Only companies organized and registered in the United States (such as C-corps, S-corps, LLCs, or LLPs) may apply for a Tillful Credit Account and use the Services. Individual consumers, sole proprietors, unincorporated partnerships, and companies organized and/or registered outside the United States, are not permitted to use or attempt to open or use a Tillful Credit Account or the Services.

Company’s Tillful Credit Account is commercial in nature, and you acknowledge and understand that certain consumer protection laws (including the Electronic Funds Transfer Act or Regulation E) and consumer-specific rules (including NACHA rules specific to consumers) do not apply to transactions on your Tillful Credit Account or your use of the Services.

1.2 Requirements

Representations of Natural Person Applicant and Company

By submitting an application for a Tillful Credit Account, the Natural Person Applicant represents and warrants in an individual capacity and as an authorized representative of Company that:

Company is a business entity that is organized, registered, and located in the United States
Company has a valid U.S. Employer Identification Number (EIN)
Company is validly existing and in good standing in its jurisdiction of organization
Company is not engaged in any Prohibited Activities list below
The Natural Person Applicant is authorized to provide information about Company, submit the application on behalf of Company, enter into binding agreements on behalf of Company, authorize debits from Linked Accounts, and manage Company’s Tillful Credit Account
The Natural Person Applicant is not and is not affiliated with a Prohibited Person
All information Company and Natural Person Applicant provide to us is and will be current, accurate, and complete
Company will use its Tillful Credit Account exclusively for business purposes and not for any personal, family, or household use
Company has reviewed this User Agreement and the terms, agreements, or policies incorporated by reference
All Linked Accounts designated by Company are business rather than consumer accounts and are not established or used for personal, family, or household purposes

Required Information

You must provide Company Data to apply for and maintain a Tillful Credit Account and any Services. Company Data may include registered business name, business address, ownership details, contact information including email and phone number, tax identification number, the nature of the business, financial information, details for your Linked Accounts, and other business or personal information that we may require or request from time to time.

You must also provide certain Personal Data including the names, contact information, personal addresses, social security numbers, and dates of birth of Administrators, Users, Beneficial Owners, and Control Persons. We may also require that you provide certain documentary information used to verify Company Data and Personal Data such as organizational documents and certificates of registration, proof of address, or personal identification.

You must connect at least one Linked Account to your Tillful Credit Account. All Linked Account must be business accounts rather than consumer accounts. You authorize us to verify that the account details you provide for your Linked Account are correct and the Linked Account belongs to you.

To help the government fight the funding of terrorism and money laundering activities, U.S. federal law requires that financial institutions obtain, verify, and record Company Data and Personal Data identifying companies and their Beneficial Owners and Control Persons. You agree to provide the required information to open and maintain your Tillful Credit Account and agree to keep such information current. We may share this information with Program Partners and Third-Party Service Providers for these purposes, as explained in our Privacy Policy.

Verification and validation of information

Tillful and its Program Partners rely on the accuracy of the information you provide when opening and maintaining your Tillful Credit Account. You may be required to verify information previously provided or provide additional information in the course of applying for or receiving certain Services.

You acknowledge that you have obtained or will obtain appropriate consent and authorization of any person whose Personal Data you provide before sharing such data with Tillful.

You acknowledge and agree that we may use and provide Company Data and Personal Data to Program Partners and Third-Party Service Providers to validate the information you have provided and determine your eligibility for the Services, as described in the Privacy Policy.

We may approve or deny your application or grant you provisional, limited access to the Services or your Tillful Credit Account while your application is pending additional review. We may deny your application, interrupt provision of the Services to you, or suspend or close your Tillful Credit Account where, in our sole determination, the information you provided is incomplete, inaccurate, or out of date.

Consent to Electronic Signature and Communications

You agree that submitting your application for a Tillful Credit Account and indicating your agreement to the terms of this User Agreement electronically during the application process constitutes your electronic signature to this User Agreement. You also agree that your electronic consent has and will have the same legal effect as a physical signature. By agreeing to the terms of the User Agreement, you consent to us providing Notices and account statements to you electronically, and understand that this consent has the same legal effect as a physical signature.

Supplemental Agreements

In certain circumstances, including when we deem Company to present a high risk to Tillful or we are required by a Program Partner, we may require supplemental agreements between Tillful and Company or parties affiliated with Company. The availability of specific Services to Company may be subject to these supplemental agreements. We may add or change the applicability of these requirements and the supplemental agreements at any time. Company or parties affiliated with Company (including affiliates, Control Persons, or employees, contractors, or agents authorized to use the Services on Company’s behalf) may be required to enter into such supplemental agreements in order to access or continue use of the Services. We may require Company to enter into a security agreement or provide a security interest in Company assets for certain Programs. Required supplemental agreements are provided separately from this User Agreement.

1.3 Account Use Restrictions

Your Tillful Credit Account and the Services may not be (a) used for any purpose that is unlawful or prohibited by this User Agreement, (b) used for any personal, family, or household use, (c) used for any transaction involving Prohibited Activities, (d) provided to or used for any transaction involving an individual, organization, country, or jurisdiction that is blocked or sanctioned by the United States, including those identified on any lists maintained by the U.S. Treasury Department’s Office of Foreign Assets Control (OFAC) or the U.S. Department of State, (e) used by third parties who are not Company employees, contractors, or agents or who are otherwise unaffiliated with Company, or (f) used for any purpose not related to the business of Company.

We will not approve and may terminate Tillful Credit Accounts that we know or believe are engaged in any Prohibited Activities or otherwise do not comply with the restrictions in this section, as determined in Tillful’s sole discretion. Tillful may limit Company’s use of certain Services or require that you provide additional information to open or maintain your Tillful Credit Account where Company is engaged in Restricted Activities listed below as determined in Tillful’s sole discretion.

We may update the lists of Prohibited Activities or Restricted Activities at any time. You agree to review these lists regularly and contact us at card.tillful.com with any questions you have about how these lists may apply to Company's business. You agree to pay all Fines assessed against Tillful for your violation of the restrictions and requirements of this section or any use of the Services in connection with any Prohibited Activities or Restricted Activities.

1.4 Data and Privacy

We process Personal Data in accordance with the Privacy Policy. You acknowledge, understand, and agree that we will collect, process, and share Company Data and Personal Data to provide the Services in accordance with this User Agreement and the Privacy Policy.

2. Managing and Using Your Tillful Credit Account

2.1 Authorized Users

Administrators

You must specify at least one Administrator to manage your Tillful Credit Account when submitting your application. If you do not specify an Administrator, you agree that the Natural Person Applicant will be the Administrator for your Tillful Credit Account. Administrators must have, and Company represents that any individual designated as an Administrator has, the requisite power and authority to conduct business and manage Company’s Tillful Credit Account, including by authorizing debits from Linked Accounts. In the event that an individual designated as an Administrator no longer has such requisite power and authority, Company must notify us promptly and designate another Administrator for the Tillful Credit Account.

Administrators may take a variety of actions, including: adding, removing, or managing additional Administrators and Users; connecting and authorizing debits from Linked Accounts, Third-Party Services, and other accounts to your Tillful Credit Account; consenting to any new or updated terms or conditions contained in this User Agreement or other agreements or policies incorporated in this User Agreement, consenting to supplemental agreements, or consenting to any Additional Terms; adding or removing additional Services to Company's account; and taking actions specified in the Program Terms and performing other tasks on Company’s behalf. Administrators must not authorize the use of Company’s Tillful Credit Account or the Services by any Prohibited Person. More details about Administrator permissions are available on our website, and we may change these permissions from time to time by updating our website or otherwise providing you Notice.

Administrators must monitor Company’s Tillful Credit Account activity and statements as required by applicable Program Terms. Certain Services include additional permission levels and authorizations. If you use these Services, Administrators on your Tillful Credit Account will be able to authorize and assign Users these permission levels and authorizations.

In the event of a dispute regarding who is authorized to act on behalf of the Company in connection with Company’s Tillful Credit Account, you agree that Tillful is not obligated to adjudicate any such dispute and may continue to honor instructions from any designated Administrator or User, or suspend Company’s Tillful Credit Account or limit use of the Services unless and until the dispute is resolved, in Tillful’s sole discretion.

Other Users

Users other than Administrators may perform a variety of more limited activities on the Tillful Credit Account, depending on the role assigned to each User. Information about the types of User roles is available on our website. We may limit the number of Users you can create, and we may change the names, number, and permissions of roles from time to time by updating our website or otherwise providing you Notice.

All Users, including Administrators, may use Company’s Tillful Credit Account, transact, and use the Services only for valid, lawful, bona fide business purposes on Company’s behalf. Users may not use the Services for personal, family, or household purposes. Users must accept and comply with the User Terms.

2.2 Responsibility for Use

Company is responsible and liable for any actions or failure to act on the part of Administrators, Users, and those using Credentials issued to Users to access Company’s Tillful Credit Account. Details on liability for Charges, Fees, or Fines incurred through a specific Service can be found in the applicable Program Terms.

Company is responsible for:

Ensuring that Users are aware of and agree to abide by the terms of this User Agreement, the applicable Program Terms and all applicable law in connection with their use of the Services
Obtaining appropriate consent and authorization to provide Users’ personal information, and ensuring that Users are aware of and have reviewed the Privacy Policy and understand how we process their personal information
Ensuring that Users are aware of, accept, and comply with the User Terms
Ensuring that Users use the Services only for valid, lawful business purposes and not for any personal, family, or household use

Company is liable for any breach or violation by its Users of this User Agreement.

Company is responsible for ensuring that Administrators, Users, and any other persons affiliated with Company communicate respectfully and will refrain from using any form of disrespectful, harassing, abusive, or hateful speech with Tillful team members. If Tillful receives reports of any such behavior by representatives of your Company towards our team, we may contact your Administrator, suspend or limit access to Company’s Tillful Credit Account or the Services, or close your Tillful Credit Account, in Tillful’s sole discretion. Tillful may also ask the Issuer to close your Card.

2.3 Access

Safeguards and Credentials

You will keep your Tillful Credit Account secure and only provide access to individuals that you have authorized to use the Services on your behalf. You will take all reasonable steps to safeguard the privacy, confidentiality, and security of User Credentials. You will closely and regularly monitor the activities of Users who access the Services, and you will use all reasonable means to protect Cards, checks, mobile devices, web browsers, and anything else used to access or utilize the Services.

You will ensure that each User has their own unique set of Credentials, keeps those Credentials secure, does not share those Credentials with any other person or third party, and does not reuse Credentials for other services.

You will not allow any unauthorized person to use the Services. You will immediately disable User access to the Services or limit permissions where you know or suspect your Tillful Credit Account has been compromised or may be misused or where you know or believe a User’s Credentials are compromised or lost; and you will promptly notify us of any unauthorized access or use of your Tillful Credit Account or the Services.

2.4 Fees and Disclosures

Fees

We may assess Fees for some Programs or Services, including periodic fees, usage fees, late or failed payment fees, service fees, fees for misuse of your Tillful Credit Account or Services, fees applicable to certain transactions, or other fees we disclose to you. We will disclose Fees to you when opening your Tillful Credit Account, when you start using a new Service, or through our website. We may update, add, or change Fees upon 30 days' Notice to you (though we may not provide prior Notice when we reduce any Fee).

Any accrued or incurred Fees will be included in the amounts you owe Tillful Card under such Program.

Credit Reporting

We may report Company payment history and performance to one or more credit reporting agencies.

2.5 Changes to the Services and Service-specific terms

We may add Programs or Services or modify existing Programs or Services at any time. Some of these Services will be subject to Additional Terms. You acknowledge and understand that in order to use certain Services, you must agree to the Additional Terms that we will provide separately, but which will be incorporated by reference and form a part of this User Agreement.

We do not guarantee that each of the Services will always be offered or available to you. Services will change from time to time, and certain Services may be discontinued or others may be added.

2.6 Notices, Monitoring, and Communication

You agree that we and any agents acting on our behalf may send Notices to, receive communications from, or otherwise contact, including via text or SMS, the Natural Person Applicant, Administrators, or Users relating to an application submitted on behalf of Company, your Tillful Credit Account, or any activity in connection with your Tillful Credit Account in accordance with the terms outlined in this section. We and our agents may send Notices or otherwise communicate with you using the contact information provided to us or our agents by the Natural Person Applicant, Administrators, or Users, including phone numbers associated with mobile phones or devices, and may use autodialing or automated voice messaging technology. We and our agents are not responsible or liable for any charges or costs incurred by you, the Natural Person Applicant, Administrators, or Users in connection with such communications.

You agree that Tillful may monitor or record the interactions or activities of Administrators, Users, or persons given access to the Services or your Tillful Credit Account when using any of Tillful’s websites or mobile applications or accessing the Services. We and our agents may also monitor or record any communications for quality assurance or other reasonable business purposes.

Notices regarding payments, legal terms, and any other important Notices related to your Company’s Tillful Credit Account will be sent to the Natural Person Applicant and/or Administrators through your Tillful Credit Account or email and are considered received 24 hours after they are sent. You understand that you may not use the Services unless you consent to receive Notices electronically. You may only withdraw consent to receive Notices electronically by closing your Tillful Credit Account.

We may send text or SMS messages to the Natural Person Applicant, Administrators, or Users, including in connection with use of Credentials (such as in the case of multi-factor authentication challenges) to allow us to verify their identity. The Natural Person Applicant, Administrators, or Users may elect not to receive texts or SMS messages, but this will limit the use of certain Services and may increase the financial risks to Company that certain texts or SMSs are designed to mitigate, including losses caused by lost or stolen Credentials.

The Natural Person Applicant, Administrators, and Users are required to maintain updated web browsers, computers, and mobile device operating systems to receive Notices correctly. Contact us immediately if you are or believe you are having problems receiving Notices.

Unless you're communicating with us about a matter where we've specified another notice address (for example, certain communications specified in the Privacy Policy), you may contact us on card.tillful.com or 1-877-TILLFUL.

2.7 Updates to Company Information

Providing Information

You will keep Company Data and each User’s Personal Data current, complete, and accurate in your Tillful Credit Account at all times.

We may require additional information from you at any time, including Company Data (such as copies of government-issued identification, business licenses, or other information related to your business) and Personal Data (such as copies of government-issued personal identification and proof of address) to verify Beneficial Owners or Control Persons, validate information you provided, verify the identity of Administrators or Users, or assess Company’s financial condition and business risks.

Notification of Corporate and Business Changes

Company must be duly organized and remain in good standing under the laws of its jurisdiction of organization at all times.

You will promptly notify us in writing if any of the following occur:

The nature of your business changes significantly
There is a change of Beneficial Owners or Control Persons
There is a material change in the control or ownership of your business (whether direct or indirect) or you transfer or sell 25% or more of your total assets
There is a planned or anticipated liquidation or voluntary bankruptcy or insolvency proceeding
You are party to a dispute or are involved in a regulatory proceeding in which claims are asserted that would, if sustained in a legal or regulatory proceeding or alternative dispute resolution forum, result in a material impact to Company’s financial condition
You receive a judgment, writ or warrant of attachment or execution, lien, or levy against 25% or more of your total assets
You begin engaging in any Prohibited Activities or Restricted Activities
You changed your State residency, move your operations to another state, or change the state of incorporation

2.8 Tillful Card Property and Licenses

Tillful owns all Tillful Property. Company, Administrators, and other Users may use Tillful Property only as and for the purposes provided in this User Agreement and the Program Terms. You may not modify, reverse engineer, create derivative works from, or disassemble Tillful Property or register, attempt to register, or claim ownership in Tillful Property or portions of Tillful Property.

Tillful grants you a nonexclusive and non-transferable license to use Tillful Property as provided through the Services and as permitted by this User Agreement. This license terminates upon termination of this User Agreement unless terminated earlier by us.

We will not share any Company Data with third parties for marketing unaffiliated products without your consent, but may use Company Data to identify Services, Third-Party Services, and programs that we believe may be of interest to you, including as part of a rewards or benefits program.

You grant Tillful a worldwide, irrevocable license to use, modify, distribute, copy, and create derivative works from Company Data for the purposes identified in this User Agreement.

2.9 Identification as Customer

We may publicly reference you as a Tillful customer on our website or in other communications during the term of this User Agreement. We will not express any false endorsement or partnerships. You grant Tillful a limited license to use Company trademarks or service marks for this purpose. Please notify us if you prefer that we not identify you as a Tillful customer, and we will remove references to you on our website or in other communications.

2.10 Beta Services and Feedback

We sometimes release Beta Services in order to test new products, features, and programs, and we may make these Beta Services available to you to get your Feedback. We may change or discontinue Beta Services at any time. Beta Services are confidential until we publicly announce the products, features, or programs, and if you use Beta Services, you agree to keep information about the Beta Services confidential. Any Beta Services are provided to you AS IS and without warranty. We may use any Feedback about the Services or Beta Services freely and without restriction. Except where specifically notified by us, we will not compensate or credit you for Feedback you provide to us.

2.11 Content

Information provided on our website and in other communications from us, other than the agreements, offers, policies, and terms referenced or otherwise incorporated by this User Agreement or that we otherwise expressly denote as governing your relationship with Tillful, is for information purposes only. We may change or update information from time to time without Notice.

Information we provide on our website and in other communications to you may contain third-party content or links to third-party sites and applications. We do not control any such third-party content, sites, or applications, and we are not responsible or liable for the availability, accuracy, completeness, or reliability of third-party content or for damages, losses, failures, or problems caused by, related to, or arising from such third-party content or the products or practices of third parties.

2.12 Assignment

You may not transfer or assign (by operation of law or otherwise) this User Agreement, any of your rights or obligations hereunder, or operation of your Tillful Credit Account, without Tillful’s prior express written consent. If you wish to make such a transfer or assignment, or the ownership of Company is changing, you must give us prior written notice. If we consent to such a transfer or assignment, the assignee or successor must assume all of Company’s rights, obligations, and liabilities under this User Agreement and your relationship with Tillful, and will be bound by all the terms of this User Agreement. Tillful may assign, pledge, or otherwise transfer this User Agreement or any of its rights and powers under this User Agreement without restriction and without providing Notice to you. Any such assignee or successor will have all rights as though originally named in this User Agreement instead of Tillful.

2.13 Account Holds, Suspensions, Terminations, and Other

Actions We May Take

If we believe, in our sole discretion, that you’ve violated the terms of this User Agreement, engaged in any Prohibited Activities or Restricted Activities, violated applicable law or rules, engaged in fraudulent or unfair activities, or have otherwise engaged in activities that violate our or others’ rights, or created an undue risk of harm for us or others, we may take a number of actions to protect Tillful, its customers, and others at any time, in our sole discretion and with or without Notice to the extent permitted by law, the actions we may take include:

Terminate this User Agreement, limit your or any Administrator’s or User’s access to your Tillful Credit Account and/or the Services, and/or close or suspend your Tillful Credit Account, immediately and without penalty to us;
Refuse to provide the Services to you, any Administrator or User, or any other individual in the future;
Limit your, any Administrator’s or User’s, or any other individual’s access to our websites, software, systems (including any networks and servers used to provide any of the Services) operated by us or on our behalf, your Tillful Credit Account or any of the Services, including limiting your ability to pay or send money or make withdrawals;
Hold or otherwise restrict the balance in your Tillful Credit Account or hold payments to/from your Tillful Credit Account, for a period of time or indefinitely, if reasonably needed to protect against the risk of liability or loss or if you have engaged in any Prohibited Activities or Restricted Activities, to be determined in our sole discretion;
Debit your Tillful Credit Account or any Linked Account for any amounts owed, even if payment is not yet due for such amounts;
Return or reverse transactions associated with your Tillful Credit Account or otherwise remit funds in accordance with applicable rules governing payments (e.g., NACHA rules) and/or in an effort to remediate fraudulent or criminal conduct, as determined in our sole discretion;
Contact others who have transacted with you, other financial institutions, other impacted third parties, or law enforcement or other regulators about your actions and/or Tillful Credit Account;
Update inaccurate information you, the Natural Person Applicant, any Administrator or User, or any other individual acting under or associated with your Tillful Credit Account provided us; or
Take legal action against you, the Natural Person Applicant, any Administrator or User, or any other individual acting under or associated with your Tillful Credit Account.

If you’ve violated this User Agreement or have engaged in any Prohibited Activities or Restricted Activities, then you’re also responsible for damages to Tillful caused by your violation and/or such activities.

If we close your Tillful Credit Account or terminate your use of the Services for any reason, we’ll notify you of such actions. If any funds in your Tillful Credit Account are subject to a hold or restriction and that hold or restriction is later removed, we will either send any unrestricted funds to an external account you specify or make such funds available for withdrawal. To the extent permitted by law, we will deduct from your Tillful Credit Account or any Linked Account any reasonable expenses we incur while attempting to contact you or other costs we may incur in the process of closing your Tillful Credit Account. You will continue to be liable to us for any transactions or obligations, or any losses or expenses we sustain, that are associated with your Tillful Credit Account, whether incurred before, during, or after the account closing process.

You are responsible for all reversals, chargebacks, claims, fees, fines, penalties, negative balance, and any liability incurred by Tillful, any Tillful customer, or a third party caused by or arising out of your breach of this User Agreement and/or your use of the Services.

Our decision about actions we may take in relation to your Tillful Credit Account may be based on confidential criteria that are essential to our management of risk and the protection of Tillful, our customers, service providers, or others. We may use proprietary fraud and risk modeling when assessing the risk associated with your Tillful Credit Account. In addition, we may be restricted by law, regulation, or a governmental authority from disclosing certain information to you about such decisions or actions. You agree that we have no obligation to disclose the details of our risk management or security procedures to you.

Nothing in this section is intended to limit our rights to refuse to provide Services to anyone, at any time, and for any reason consistent with applicable law, in our sole discretion.

2.14 Term and Termination

This User Agreement is effective when you accept its terms when applying for a Tillful Credit Account and continues until terminated by either you or us, in accordance with the Program Terms or as set forth in this User Agreement.

You may ask us to terminate this User Agreement by ceasing to use the Services, paying all amounts owed, and providing notice to us. We may decline to terminate this User Agreement or close your Tillful Credit Account if you have a negative balance in respect of any Service, if any funds that we are holding on your behalf are subject to a hold, lien or other restriction, if there are pending transactions, or if we believe that the Tillful Credit Account is being closed to evade any legal or regulatory requirement or investigation. We may decline to send you any funds remaining in your account less any Fees, Charges, Fines, setoffs, or other amounts until we have completed the process of terminating your Tillful Credit Account and/or any restrictions or holds on such funds have been removed.

Tillful may terminate this User Agreement at any time and for any reason with or without prior Notice.

You are responsible for all Charges, Fees, Fines, losses, and other amounts owed to us caused by your action or inaction, including any that are assessed or may arise after the termination of your Tillful Credit Account, and for any costs we may incur in the process of closing your Tillful Credit Account.

In the event that this User Agreement is terminated, except as expressly provided herein, the applicable Program Terms will immediately terminate (other than sections that survive termination).

Sections 1.4 (Data and Privacy), 2.2 (Responsibility for Use), 2.3 (Access), 2.7 (Notices, Monitoring, and Communication), 2.11 (Beta Services and Feedback), 2.13 (Assignment), 2.14 (Account Holds, Suspensions, Terminations, and Other Actions We May Take), 2.15 (Term and Termination), 3.1 (Limitation of Liability), 3.2 (Disclaimer of Warranties by Tillful), 3.3 (Indemnification), 3.4 (Governing Law and Venue), 3.5 (Binding Arbitration), and 3.6 (Legal Process) together with the provisions of the Program Terms that identify continuing obligations, and all other provisions of this User Agreement or the agreements, terms, and policies incorporated herein giving rise to continuing obligations of the parties, will survive termination of this User Agreement.

If you reapply or reopen your Tillful Credit Account or use or attempt to use any of the Services, you are consenting to the User Agreement in effect at that time.

3. General Provisions

3.1 Limitations of Liability

Tillful’s liability is limited with respect to your Tillful Credit Account and your use of the Services. Tillful and Issuer are not liable to you for consequential, indirect, special, exemplary, or punitive damages or lost profits or revenue, reputational harm, physical injury, or property damage arising from or related to your Tillful Credit Account, Tillful’s systems and Services, your use of or inability to use Services or Cards, or this User Agreement, whether or not we were advised of their possibility by you or third parties, unless prohibited by applicable law or rules.

Our maximum liability to you under this User Agreement and any terms, agreements, or policies incorporated by reference, is limited to the greater of the total amount of Fees actually paid by you to Tillful in the three months preceding the event that is the basis of your claim or $5,000. These limitations apply regardless of the legal theory on which your claim is based, unless prohibited by applicable law or rules.

To the extent applicable law or rules prohibit or restrict any of the limitations of liability set forth in this User Agreement, or any portion of them, or a court or arbitrator holds that such limitations, or any portion of them, are unenforceable for any reason, this User Agreement shall be interpreted and construed in a manner that limits Tillful’s liability to the greatest extent possible under applicable laws and rules.

3.2 Disclaimer of Warranties by Tillful

THE SERVICES, TILLFUL PROPERTY, AND BETA SERVICES ARE PROVIDED TO YOU AS IS AND AS AVAILABLE. TILLFUL DISCLAIMS ALL EXPRESS, IMPLIED, OR STATUTORY WARRANTIES OF TITLE, MERCHANTABILITY, OR FITNESS FOR A PARTICULAR PURPOSE, AND ALL WARRANTIES OF NON-INFRINGEMENT OF THE SERVICES, TILLFUL PROPERTY, AND BETA SERVICES. NOTHING IN THIS PLATFORM AGREEMENT WILL BE INTERPRETED TO CREATE OR IMPLY ANY SUCH WARRANTY TO YOU.

THIRD-PARTY SERVICES ARE NOT PROVIDED OR CONTROLLED BY TILLFUL. TILLFUL DOES NOT PROVIDE SUPPORT FOR AND DISCLAIMS ALL LIABILITY ARISING FROM FAILURES OR LOSSES CAUSED BY THIRD-PARTY SERVICES.

TILLFUL DISCLAIMS ALL WARRANTIES AND DOES NOT GUARANTEE THAT (A) SERVICES AND DATA PROVIDED UNDER THIS PLATFORM AGREEMENT ARE ACCURATE OR ERROR-FREE; (B) THE SERVICES WILL MEET YOUR SPECIFIC NEEDS OR REQUIREMENTS; (C) THE SERVICES WILL BE USABLE BY COMPANY, ADMINISTRATORS, OR USERS AT ANY PARTICULAR TIME OR LOCATION; (D) SPECIFIC MERCHANTS WILL PERMIT PURCHASES USING CARDS ISSUED BY AN ISSUER; (E) SERVICES WILL BE UNINTERRUPTED, SECURE, OR FREE FROM HACKING, VIRUSES, OR MALICIOUS CODE; AND (F) ANY DEFECTS IN THE SERVICES WILL BE CORRECTED, EVEN WHEN WE ARE ADVISED OF SUCH DEFECTS.

TILLFUL IS NOT LIABLE FOR AND DISCLAIMS LIABILITY FOR ANY DAMAGES, HARM OR LOSSES TO YOU ARISING FROM UNAUTHORIZED ACCESS OR USE OF YOUR TILLFUL CREDIT ACCOUNT OR THE SERVICES.

3.3 Indemnification

You agree to indemnify, defend, and hold harmless Tillful and Third-Party Service Providers (including our respective affiliates, directors, employees, agents, and representatives), from and against all losses, liabilities, claims, demands, or expenses, including reasonable attorney’s fees, arising out of or related to: your breach or alleged breach of this User Agreement or any other agreements with Tillful; acts or omissions of Administrators, Users, or other Company employees or agents; Company’s actual or alleged infringement of a third party’s intellectual property rights; Company's use of Third-Party Services; or disputes over Charges between Company and merchants.

3.4 Governing Law and Venue

This User Agreement will be construed, applied, and governed by the laws of the State of Delaware exclusive of its conflict or choice of law rules except to the extent that U.S. federal law controls or unless otherwise specified in this Agreement. Subject to Section 3.5 (Binding Arbitration), all litigation shall be brought in the state or federal courts located in Delaware.

3.5 Binding Arbitration

PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR RIGHTS AND WILL IMPACT HOW LEGAL CLAIMS YOU AND WE HAVE AGAINST EACH OTHER ARE RESOLVED, UNLESS YOU OPT OUT AS SET FORTH BELOW. FOR PURPOSES OF THIS PROVISION ONLY, THE TERMS “WE,” “US,” AND “OUR” INCLUDE TILLFUL (Tillco Holdings, LLC). AND/OR ITS PAST, PRESENT, OR FUTURE AFFILIATES EXCEPT TILLFUL (Tillco Holdings, LLC), THEIR RELATED PERSONS OR ENTITIES, AND/OR ANY PREDECESSORS OR SUCCESSORS IN INTEREST.

You and We Agree to Arbitrate Disputes Between Us. Either you or we may, at either’s sole election, require that the sole and exclusive forum for resolution of a Dispute be final and binding arbitration pursuant to this Binding Arbitration section, unless you opt out as provided below, in which case you and we may resolve the Dispute through litigation in court. Disputes are subject to arbitration regardless of whether they arise from contract, tort, a constitution, statute, common law, principles of equity, or any other legal theory. Disputes include matters arising as initial claims, counterclaims, cross-claims, third-party claims, or otherwise. Nothing in this section affects the right of a party to seek temporary injunctive or declaratory relief from a court of appropriate jurisdiction in conjunction with a Dispute that is subject to arbitration in order to prevent imminent and irreparable harm.

The scope of this Binding Arbitration section is to be given the broadest possible interpretation that is enforceable. You and we agree that this User Agreement is entered into pursuant to a transaction in interstate commerce, and thus the Federal Arbitration Act, 9 U.S.C. §1, et seq., governs the interpretation and enforcement of this Binding Arbitration section.

Opt Out Procedure. If you want to opt out of this Binding Arbitration section, you may do so by delivering a written opt-out notice to Tillco Holdings, LLC, 13693 S 200 W STE 200, Draper UT 84020, Attn: Legal Department. The written opt-out notice must be sent to this address within thirty (30) days of the date you accept this User Agreement for the first time and you are responsible for maintaining proof that it was sent within this time period (e.g. copy of postmarked mail containing the opt-out notice, copy of receipt from delivery service showing date the delivery service received the opt-out notice for delivery). The opt-out notice must identify the name of your company, state that you are opting out of the Binding Arbitration section of the User Agreement, and include the name and signature of someone authorized by you to opt you out of this section. You may send an opt-out notice by mail, delivery service, or courier, as long as it is sent to the address specified above within the specified time. No other methods can be used to opt out of this Binding Arbitration section. Opting out of this section has no effect on any previous, other, or future arbitration or dispute resolution agreements that you may have with us or third parties. If you opt out of this Binding Arbitration section, all other parts of the User Agreement will continue to apply.

Arbitration Procedures. In the event you or we elect to resolve a Dispute through final and binding arbitration pursuant to the terms of this section, the Dispute will be resolved by arbitration before a single arbitrator, as provided in this section. All issues will be for the arbitrator to decide, except issues relating to arbitrability, the scope or enforceability of this Binding Arbitration section, or the interpretation or enforceability of the Prohibition of Class and Representative Actions and Non-Individualized Relief provision below shall be for a court of competent jurisdiction to decide.

Arbitration will be administered by JAMS or the American Arbitration Association (“AAA”), at the election of the party initiating arbitration. The arbitration shall be conducted according to, and the location of the arbitration shall be determined in accordance with, AAA’s Commercial Arbitration Rules (if AAA is chosen as the administrator) or JAMS’s Comprehensive Arbitration Rules & Procedures or Streamlined Arbitration Rules & Procedures depending on the amount in dispute (if JAMS is chosen as the administrator), except to the extent such rules and procedures conflict with this Binding Arbitration section or any countervailing applicable law. You may review JAMS’s rules and procedures by visiting its website at www.jamsadr.com. You may review AAA’s rules and procedures by visiting its website at www.adr.org. In the case of a conflict between the rules and procedures of the administrator and this Binding Arbitration section, this section shall control, subject to countervailing applicable law, unless all parties to the arbitration consent to have the rules and procedures of the administrator apply.

If the value of the relief sought in arbitration is $50,000 or less, you or we may elect to have the arbitration conducted by telephone or based solely on written submissions, which election shall be binding on you and us subject to the discretion of the arbitrator to require an in-person hearing, if the circumstances warrant. Attendance at an in-person hearing may be made by telephone by you and/or us, unless the arbitrator requires otherwise.

Either you or we may commence arbitration by providing a written demand for arbitration to JAMS or AAA and the other party detailing the nature of the Dispute and the relief requested. The arbitrator will apply the substantive law as described in Section 3.4. Each party shall bear the expense of its own attorneys’ fees and its out-of-pocket costs incurred in connection with the arbitration, except the appropriate apportionment of any administrative fees and expenses or arbitrator fees and expenses associated with the arbitration shall be determined by the arbitrator in the arbitration award. The award of the arbitrator shall be final and binding, and judgment on the award may be entered in any court of competent jurisdiction.

The arbitrator shall take steps to reasonably protect confidential information. The arbitration proceedings and information related to them will be maintained as confidential, including the nature and details of the Dispute arbitrated, evidence produced, testimony given, and the outcome of the arbitration, unless such information was already in the public domain or was obtained independent from the Dispute. Company and Tillful, and all witnesses, advisors, and arbitrators will only share such information as necessary to prepare for or conduct arbitration or other legal proceedings, or to enforce the outcome of the same, unless additional disclosure is required by law.

Prohibition of Class and Representative Actions and Non-Individualized Relief. NO ARBITRATION SHALL PROCEED ON A CLASS, REPRESENTATIVE, OR COLLECTIVE BASIS (INCLUDING AS A PRIVATE ATTORNEY GENERAL ON BEHALF OF OTHERS), EVEN IF THE CLAIM OR CLAIMS THAT ARE THE SUBJECT OF THE ARBITRATION HAD PREVIOUSLY BEEN ASSERTED OR COULD HAVE BEEN ASSERTED IN COURT ON A PURPORTED CLASS, REPRESENTATIVE, OR COLLECTIVE BASIS. YOU AND WE ALSO AGREE NOT TO PARTICIPATE AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE ACTION AGAINST US OR YOU. UNLESS CONSENTED TO IN WRITING BY ALL PARTIES TO THE ARBITRATION: (1) NO PARTY TO THE ARBITRATION MAY JOIN, CONSOLIDATE, OR OTHERWISE BRING CLAIMS FOR OR ON BEHALF OF TWO OR MORE INDIVIDUALS OR ENTITIES IN THE SAME ARBITRATION UNLESS THOSE PERSONS OR ENTITIES ARE PARTIES TO A SINGLE TRANSACTION, AND (2) AN AWARD IN ARBITRATION SHALL DETERMINE THE RIGHTS AND OBLIGATIONS OF THE NAMED PARTIES ONLY, AND ONLY WITH RESPECT TO THE CLAIMS IN ARBITRATION, AND SHALL NOT (A) DETERMINE THE RIGHTS, OBLIGATIONS, OR INTERESTS OF ANYONE OTHER THAN A NAMED PARTY, OR RESOLVE ANY CLAIM OF ANYONE OTHER THAN A NAMED PARTY; NOR (B) MAKE AN AWARD FOR THE BENEFIT OF, OR AGAINST, ANYONE OTHER THAN A NAMED PARTY. NO ADMINISTRATOR OR ARBITRATOR SHALL HAVE THE POWER OR AUTHORITY TO WAIVE, MODIFY, OR FAIL TO ENFORCE THIS PROVISION, AND ANY ATTEMPT TO DO SO, WHETHER BY RULE, POLICY, ARBITRATION DECISION OR OTHERWISE, SHALL BE INVALID AND UNENFORCEABLE. ANY CHALLENGE TO THE VALIDITY OF THIS PROVISION SHALL BE DETERMINED EXCLUSIVELY BY A COURT OF COMPETENT JURISDICTION AND NOT BY JAMS, AAA, OR ANY ARBITRATOR.

Severability. If any portion of this Binding Arbitration section, other than the Prohibition of Class and Representative Actions and Non-Individualized Relief is deemed invalid or unenforceable, the remaining portions of this section shall nevertheless remain valid and in force. If a court decides that any of the provisions of the Prohibition of Class and Representative Actions and Non-Individualized Relief is invalid or unenforceable because it would prevent the exercise of a non-waivable right to pursue public injunctive relief and that decision is not overturned after any rights to appeal are exhausted, then any claim regarding the entitlement to such relief (and only that form of relief) must be severed from arbitration and may be litigated in court. Also, if a court decides that any of the provisions of the Prohibition of Class and Representative Actions and Non-Individualized Relief is invalid or unenforceable for any other reason and that decision is not overturned after any rights to appeal are exhausted, then any claim that may not be arbitrated in accordance with the provisions of the Prohibition of Class and Representative Actions and Non-Individualized Relief that are held to be invalid or unenforceable must be severed from arbitration and may be litigated in court. For the sake of clarity, in no event shall any court decision finding a provision of the Prohibition of Class and Representative Actions and Non-Individualized Relief invalid or unenforceable be deemed to authorize an arbitrator to adjudicate claims or make awards beyond those authorized in this Binding Arbitration section.

Future Amendments to this Binding Arbitration Section. Notwithstanding any provision in this User Agreement to the contrary, you and we agree that if we make any amendment to this Binding Arbitration section (other than an amendment to any notice address or website link provided herein) in the future, that amendment shall not apply to any claim that was filed in a legal proceeding against us prior to the effective date of the amendment. The amendment shall apply to all other disputes or claims governed by this Binding Arbitration section that have arisen or may arise between you and us. We will notify you of amendments to this Binding Arbitration section by posting the amended terms on card.tillful.com at least 30 days before the effective date of the amendments and by providing notice through email to one or more designated administrators of your Tillful Credit Account. If you do not agree to these amended terms, you may close your Tillful Credit Account within the 30-day period and you will not be bound by the amended terms.

3.6 Compliance with Court Orders and Other Legal Process or Requests and Applicable Law

If we are notified of or become aware of a court order or other legal process or request (e.g. subpoenas, garnishments, levies, warrants) or if we otherwise believe we are required to do so in order to comply with applicable law or regulatory requirements, we may take certain actions, including without limitation providing information in our possession, custody, or control to comply with orders, subpoenas, or other requests for information; holding payments to/from your Tillful Credit Account or holding or otherwise restricting funds in your Tillful Credit Account; or suspending, terminating, closing, or limiting access to your Tillful Credit Account. We will decide, in our sole discretion, which action is required or appropriate. We do not have an obligation to contest or appeal any court order or legal process involving you or your Tillful Credit Account. We are not responsible to you for any losses or consequences you sustain due to actions we may take to comply with a legal order, legal process or request, or applicable law. We may, but are not required to, provide you with Notice of any court order, legal process or requests, or actions we may take in conjunction with them.

3.7 Headings and Interpretation

Headings in this User Agreement are for reference only. Except where otherwise specified, all references to sections or provisions refer to this User Agreement or the applicable incorporated terms. The phrases including, for example, or such as do not limit the generality of the preceding provision; the word or will be read to mean either… or… or any combination of the proceeding items; words in the singular include the plural and words in the plural include the singular; and provisions listing items and using and require all listed items.

3.8 Changes to this User Agreement

We reserve the right to amend this User Agreement, including by deleting, modifying, or adding provisions, at any time by posting the amended version of this User Agreement to the Tillful website. The amended version will be effective at the time we post it, unless otherwise noted. If any amendments reduce your rights or increase your responsibilities, we will provide you with at least 30 days’ advance email notice of the amended User Agreement before the amended agreement becomes effective as to you. Such email notice will be sent to the email address(es) we have on file for the Administrator(s) of your Tillful Credit Account. Your continued use of your Tillful Credit Account or any Services, through the actions of any Administrator or User, after any amended User Agreement becomes effective as to you constitutes acceptance of the amended agreement. If you do not agree with any amended User Agreement, you may close your Tillful Credit Account in a manner consistent with this User Agreement before it becomes effective as to you. It is your responsibility to ensure that the contact information, including any email addresses, associated with your Tillful Credit Account remains accurate and current. Please contact us immediately if your contact information changes so we can assist with updating your account.

You are responsible for notifying Users of any applicable updates to the User Agreement and all terms, agreements, and policies incorporated by reference, and for ensuring Users comply with such updates. We may or may not provide Notice of updates directly to Users.

Outside of amendments made consistent with the terms of this User Agreement, the only other way this User Agreement may be amended or otherwise modified is through an agreement in writing that is duly signed by an authorized representative of Tillful and an authorized representative of Company.

Any waiver, modification, or indulgence that we provide to Company, of any kind or at any time, applies only to the specific instance involved and will not act as a general waiver or a waiver, modification, or indulgence under this User Agreement for any other or future acts, events, or conditions. Further, any delay by Tillful in enforcing our rights under this User Agreement does not constitute forfeiture or waiver of such rights.

3.9 Entire Agreement

This User Agreement, including any terms, agreements or policies incorporated by reference, constitutes the entire understanding of the parties with respect to the subject matter described and supersedes all other proposals or previous understandings, written or oral, between the parties. No other agreements, representations, or warranties other than those provided in this User Agreement and the applicable Program Terms will be binding unless in writing and signed by Company and Tillful.

3.10 Severability

Unless provided otherwise in this User Agreement, if any provision of this User Agreement is held by a court or arbitrator to be invalid or unenforceable, that provision will be fully severable, such provision shall be construed and enforced in a manner that reflects the original intentions of the parties as closely as possible and is consistent with applicable law, and the remaining provisions of this User Agreement shall remain in full force and effect.

4. Defined Terms

Capitalized terms in this User Agreement are defined as follows:

Additional Terms means additional terms or policies to which we may require you to agree in the event that we release new products, features, integrations, promotions, or rewards, or otherwise to enhance and improve the scope and quality of the Services.

Administrator means an individual(s) with the requisite power and authority to conduct business and manage Company’s Tillful Credit Account and act on behalf of Company, including consenting to this User Agreement, as designated by Company.

Beneficial Owner means any individual who, directly or indirectly, owns 25% or more of the equity interests of Company.

Beta Services means beta or pre-release products or services, which may contain features and functionality that are incomplete or subject to substantial change or discontinuation.

Card Networks means the payment card networks including Visa or Mastercard.

Cards means physical or virtual payment cards issued by an Issuer and managed through your Tillful Credit Account.

Charge means a payment for goods or services made using a Card to a merchant that accepts payments on the applicable Card Network.

Company Data means information or documentation provided by Company to Tillful, and which includes Financial Data and any Personal Data provided by Company, Administrators, or Users.

Control Person means a single individual with significant responsibility to control, manage, or direct Company.

Credentials means usernames, passwords, and other identifiers or credentials used to assist in identifying and authenticating you with regard to your use of the Services or to access your Tillful Credit Account.

Dispute means any past, present, or future claim, dispute, or controversy involving you (or persons claiming through or connected with you), on the one hand, and us (or persons claiming through or connected with us), on the other hand, relating to or arising out of the User Agreement, any Services, any application for a Tillful Credit Account, and/or the activities or relationships that involve, lead to, or result from any of the foregoing.

Feedback means all feedback, suggestions, ideas, or enhancement requests you submit to us.

Fees means charges we impose on you for use of Services or your Tillful Credit Account.

Financial Data means Company’s bank balance, transaction, account, or other information accessible to Tillful through Linked Accounts or Third-Party Services.

Fines means all fines, penalties, or other charges imposed by Tillful, a Program Partner, governmental agency or regulatory authority arising from your breaching of this User Agreement, any of the Program Terms, or other agreements you have with Tillful or a Program Partner.

Issuer means the bank that is a member of the Card Network indicated on Cards and is responsible for issuing the Cards to you.

Linked Account means any account that is held with a financial institution and is connected to your Tillful Credit Account or authorized for payment of Charges, Fees, and Fines.

Natural Person Applicants means the natural person who applies for a Tillful Credit Account on Company’s behalf.

Notice means any physical, voice, or electronic communication, or legal notices that are provided or directed to Company, Users, or Administrators through phone call, text or SMS, email, push notification, Company’s Tillful Credit Account, or by any other means.

Personal Data means data that identifies or could reasonably be used to identify a natural person.

User Agreement means this User Agreement, as amended, and any terms, agreements, and policies referenced including the Program Terms specific to the Services you use, the Privacy Policy, User Terms, Rewards Terms, and any applicable Additional Terms or supplemental agreements.

Program Partner means a bank, financial institution, or other partner that provides services directly related to one or more Programs.

Program Terms means the terms and agreements applicable to portions of the Services, including the Tillful Card Program Terms, Credit Agreement, the Card Terms, any Program Partner terms, and any other terms and conditions that govern access to and use of any Program.

Programs means the Tillful programs, and any other financial products or Services offered or operated by Tillful.

Prohibited Activities means the business types and activities posted on our website as updated from time to time.

Prohibited Person means any individual or organization that is subject to sanctions in the United States, identified on any lists maintained by OFAC or the U.S. Department of State, or is subject to any law, regulation, or other list of any government agency that prohibits or limits us from providing a Tillful Credit Account or Services to such person or from otherwise conducting business with the person.

Restricted Activities means the business types and activities posted on our website as updated from time to time.

Security Procedures means certain procedures and controls that are intended to help secure and protect your Tillful Credit Account and data from misuse, fraud, and theft.

Services means the financial products, technology, expense management, cash management, payment services, integrations with Third-Party Services, and all other services provided by Tillful, including those available through your Tillful Credit Account.

Tillful Credit Account means your Company’s account(s) with Tillful that is/are used to access the Services.

Tillful Data means all data developed or collected by Tillful through the development or provision of Services, Cards, or Third-Party Services, or generated or recorded by the Tillful platform, but which does not include Company Data.

Tillful Property means the Services and related technology; Tillful Data; and copyrights, patents, trade secrets, trade or service marks, brands, logos, and other intellectual property encompassing or incorporated into each of the foregoing.

Third-Party Services means services and data provided by third parties in relation to tor provided through the Services. Third-Party Services include but are not limited to accounting or expense management platforms, payment processors and e-commerce platforms, and applications used to monitor Linked Accounts.

Third-Party Service Provider means an affiliate or other third party that assists us in providing the Services to you, that supports our internal operations, or that provides other services related or connected to, or provided through the Services or a Tillful Credit Account.

Users means any employees, contractors, or agents authorized to use the Services on Company’s behalf, and includes Administrators and other account roles as designated by Tillful.

By using the Services available to you under Company’s Tillful Credit Account, you consent to these User Terms. You agree to abide by the terms of the User Agreement, the applicable Program Terms for Services you use, these User Terms, all applicable law, and Card Network rules in connection with your use of the Company’s Tillful Credit Account and Services. To the extent that you are issued a Card, you consent to the terms in Section 3 and the Tillful Program Terms. You also consent to receive all communications from Tillful electronically as described in these User Terms. We may update or replace these User Terms by posting an updated version on card.tillful.com Your continued use of the Services will serve as your acceptance of any changes to these User Terms.

YOU AGREE TO RESOLVE DISPUTES THROUGH BINDING ARBITRATION IN THE MANNER CONSENTED TO BY COMPANY UNDER THE USER AGREEMENT PLEASE READ THIS CAREFULLY AND ONLY USE THE SERVICES IF YOU UNDERSTAND AND AGREE TO THIS PROVISION.

User terms

1. Obtaining Access to the Services

Prior to using the Services on behalf of your Company, you will need an Administrator to add you as an authorized User and provide you access to the Tillful Credit Account.

Eligibility

By using Services, you represent and warrant in your individual capacity that:

You are not a Prohibited Person
You are an employee, contractor, or agent authorized to use the Services on Company’s behalf
All information you provide to us, either directly or through an Administrator, is and will be current, accurate, and complete
You will use the Services exclusively for business purposes and not for any personal, family, or household use
You have reviewed the User Agreement, and the terms, agreements, or policies incorporated by reference, including these User Terms
your State of incorporation or operations submitted in your application is correct and has not changed.

Use of your personal information

To authorize you as a User on Company’s Tillful Credit Account, an Administrator must provide Tillful certain Personal Data about you—including your name, contact information, personal address, social security number, and date of birth. We may also require that the Administrator provide certain documentary information—including proof of address or personal identification—used to validate your Personal Data and your identity. You acknowledge that you have authorized the Administrator to share your Personal Data with Tillful. You must provide the Administrator with Personal Data that is current, complete, and accurate at all times.

You acknowledge and agree that we may use and provide your Personal Data to Program Partners and Third-Party Service Providers to validate your Personal Data. At any time during the term of this User Agreement and your use of the Services, we may require additional information from you.

Details on our collection, use, and handling of Personal Data are described in our Privacy Policy. Please review it carefully and contact us if you have any questions. By using the Services, you agree that we may use your Personal Data in accordance with our Privacy Policy.

Consent to electronic signature

You agree that using the Services available to you under your Company’s Tillful Credit Account constitutes your electronic signature. You also agree that your electronic consent has and will have the same legal effect as a physical signature.

2. Use of the Services

Prohibited and Restricted Activities

You may only use Company’s Tillful Credit Account and the Services for valid, lawful bona fide business purposes, such as making purchases on behalf of Company. You are prohibited from using Company’s Tillful Credit Account or the Services for:

Any purpose that is unlawful or prohibited by the User Agreement or these User Terms
Personal, family, or household use
Any transaction involving any Prohibited Activities
Any transaction involving an individual, organization, country, or jurisdiction that is blocked or sanctioned by the United States, including those identified on any lists maintained by OFAC or the U.S. Department of State
Any other purpose unrelated to the business of Company

We may terminate your access to Company’s Tillful Credit Account and Services if we know or believe that you are engaged in any Prohibited Activities or otherwise do not comply with these restrictions.

Safeguards and Credentials

You will maintain your own unique set of Credentials and keep those Credentials secure. You will not share those Credentials with any other person or third party, or reuse Credentials for other services. You will not grant any other person or third-party access to your Company’s Tillful Credit Account or Services.

You will use all reasonable means to protect Cards, checks, mobile devices, web browsers, and anything else used to access or utilize the Services, as applicable. You will not allow any other person or third party to use your Company’s Tillful Credit Account or Services on your behalf. You will immediately notify an Administrator where you know or suspect your Credentials are compromised or lost. We may suspend your access to the Services if we believe your Credentials have been compromised, or if not doing so poses a risk to you, Company, Tillful, or any third parties.

Notices and communications

Company has an established business relationship with Tillful. You will receive Notices to the email and mobile numbers provided to Tillful by you or Company. These Notices may include push notifications, and text or SMS messages providing information or alerts about Services, Cards, or transactions, and may allow you to provide information back to Tillful (such as sending a receipt from a transaction). You may elect to not receive certain Notices through the Tillful Credit Account, but doing so will limit the use of certain Services and may increase the financial risks to Company.

You are required to maintain an updated web browser and computer and mobile device operating systems to receive Notices correctly. You are responsible for all costs imposed by internet or mobile service providers for sending or receiving Notices electronically.

You consent to receiving Notices electronically to your mobile device and understand that this consent has the same legal effect as a physical signature. If you wish to revoke this consent, please notify your Administrator and contact us.

3. Using Cards

You are responsible for securing Cards, account numbers, and Card security features (including the CVV and PIN, if any). You will promptly notify an Administrator when a Card is lost, stolen, breached, or needs to be replaced. In such cases, replacement cards must be requested by an Administrator.

You will review the Periodic Statement associated with your Cards on no less than a monthly basis and promptly report any unauthorized or fraudulent activity to your Administrator.

The Issuer may suspend or cancel Cards at any point and for any reason including where directed by the Company or Tillful Card, for termination or suspension of the Tillful Credit Account, or where we determine in our sole discretion that continuing to provide Services poses an unacceptable risk to you, Tillful, or third parties.

Company’s Tillful Credit Account is commercial in nature, and you acknowledge and understand that certain consumer protection laws (including the Electronic Funds Transfer Act or Regulation E) and consumer-specific rules (including NACHA rules specific to consumers) do not apply to transactions on Company’s Tillful Credit Account or your use of the Services.

4. Ownership of Tillful Property, Feedback

Tillful and licensors own the incorporated Tillful Property. You may only use Tillful Property as provided to you and for the purposes provided in these User Terms or as otherwise permitted by the User Agreement between Company and Tillful. You may not modify, reverse engineer, create derivative works from, or disassemble Tillful Property, or register, attempt to register, or claim ownership of Tillful Property or portions of Tillful Property.

Tillful grants you a nonexclusive and non-transferable license to use Tillful Property as provided through the Services and as permitted by these User Terms. This license terminates upon termination of the User Agreement or these User Terms unless terminated earlier by us.

5. Suspension and Termination

Tillful may suspend or terminate access to Company’s Tillful Credit Account or the Services at any time and for any reason, in our sole and absolute discretion, without prior Notice. Tillful may terminate these User Terms at any point and for any reason without prior Notice including where directed by the Company or an Issuer, for termination or suspension of the Tillful Credit Account, or where we determine in our sole discretion that continuing to provide Services poses an unacceptable risk to you, Tillful, or third parties. In the event that the User Agreement with Company is terminated, except as expressly provided in the User Agreement, these User Terms will immediately terminate (other than Section 1, Section 4, and any other sections giving rise to continued obligations of the parties that survive termination).

6. Changes to These User Terms

We may modify these User Terms by providing you Notice. Your continued use of the Services constitutes your consent to the revised User Terms.

Prohibited and Restricted Activities

February 14, 2022

The examples listed below are not exhaustive and we reserve the right to modify or update the lists below at any time by posting a revised version to our website. The revised version will be immediately effective upon posting. If we determine in our sole discretion that you engage or have engaged in activities that are illegal, may harm others or our reputation or operations, or violate our or others rights, including by engaging in any of the activities below or authorizing or helping others to do so, we may deny, terminate, or suspend your use of the Services.

Prohibited Activities List

Regulated or Illegal Activities

Sale of Schedule I controlled substances with or without a pharmaceutical license, or sale of Schedules II-V controlled substances without a pharmaceutical license, where such schedules are defined by the United States Department of Justice, Drug Enforcement Agency (DEA);
Production, sale, or distribution of marijuana;
Production, sale, or distribution of guns, accessories, ammunition, and other weapons;
Production, sale, or distribution of illegal material, including but not limited to child pornography;
Gambling, betting, lotteries, sweepstakes, or games of chance;
Prostitution or escort services;
Sale of counterfeit or "gray market" goods or services;
Ponzi or pyramid schemes, or other unfair or deceptive activities; and
Money laundering or handling of proceeds from illegal activities

‍

Violent or Hateful Activities

Intentionally promoting, supporting, or perpetrating (1) violence or physical harm or (2) hate toward any group or individual based on race, religion, disability, gender, sexual orientation, gender identity, national origin, immigration status, or any other legally protected characteristic under federal or state law.

Restricted Activities List

Companies that are engaged in the following activities or businesses may be required to provide additional information or documentation or may be ineligible for certain Services:

Businesses dealing in cryptocurrency or digital assets;
Financial services providers, including banks or bank affiliates, securities brokers, money transmitters, investment companies, or investment funds;
Pornography, adult chat, or other sexually explicit services; or
Sale of Schedules II-V controlled substances with a pharmaceutical license, where such schedules are defined by the DEA.

Please contact us if you are unsure whether your business or activities are permitted by Tillful.

Terms & Conditions

Tillful Card

Effective date: June 12, 2023

1. Opening a Tillful Credit Account

1.1 Eligibility

1.2 Requirements

1.3 Account Use Restrictions

1.4 Data and Privacy

2. Managing and Using Your Tillful Credit Account

2.1 Authorized Users

2.2 Responsibility for Use

2.3 Access

2.4 Fees and Disclosures

2.5 Changes to the Services and Service-specific terms

2.6 Notices, Monitoring, and Communication

2.7 Updates to Company Information

2.8 Tillful Card Property and Licenses

2.9 Identification as Customer

2.10 Beta Services and Feedback

2.11 Content

2.12 Assignment

2.13 Account Holds, Suspensions, Terminations, and Other

2.14 Term and Termination

3. General Provisions

3.1 Limitations of Liability

3.2 Disclaimer of Warranties by Tillful

3.3 Indemnification

3.4 Governing Law and Venue

3.5 Binding Arbitration

3.6 Compliance with Court Orders and Other Legal Process or Requests and Applicable Law

3.7 Headings and Interpretation

3.8 Changes to this User Agreement

3.9 Entire Agreement

3.10 Severability

4. Defined Terms

User terms

Prohibited and Restricted Activities

Prohibited Activities List

Regulated or Illegal Activities

Violent or Hateful Activities

Restricted Activities List